Entities Affected by this Policy: All departments that collect, maintain or have access to credit card information must comply with PCI policy. These currently include:. The merchant account is tied to a general ledger account to distribute funds appropriately to the organization owner for which the account was set up. Regulation monitors stay abreast of updates to their respective regulations, ensure policies are up to date and notify CNS about changes.
PAN — Primary Account Number is the payment card number credit or debit that identifies the issuer and the particular cardholder account. It is also called Account Number. Overview: Credit card companies and financial institutions validate that vendors CALS are rated based on their volume of transactions. The rating that a company receives determines the process that they must go through in order to be validated. There are four levels of PCI Compliance, with level 1 being the most stringent and level 4 being the least stringent.
If a merchant suffers an attack that has caused account data to be compromised, the merchant level requirement goes up to level 1 automatically. CALS policy prohibits the storing of any credit card information in an electronic format on any computer, server or database including Excel spreadsheets.
It further prohibits the emailing of credit card information. Based on this policy, compliance with a number of the PCI Compliance requirements do not apply. The following list communicates the full scope of the compliance requirements but based on CALS policy that prohibits storing of credit card information electronically and utilizing third-party vendors for web-based credit card processing, some may not be relevant.
Merchant account holders who fail to comply are subject to:. To achieve compliance, the following requirements must be met by departments accepting credit cards to process payments on behalf of CALS.
Enforcement: The Information Security Officer will oversee enforcement of the policy. Additionally, this individual will investigate any reported violations of this policy, lead investigations about credit card security breaches and may terminate access to protected information of any users who fail to comply with the policy. Honor or memorial gifts are an everlasting way to pay tribute to someone who has touched your life. When a tribute gift is given the honoree will receive a letter acknowledging your generosity and a bookplate will be placed in a book.
For more information, contact or calsfoundation cals. This policy and additional supporting policies:. This policy applies to those involved with payment card handling including faculty, staff, students, third-party vendors, individuals, systems, networks, and other parties with a relationship to the university including auxiliary service corporations, alumni associations, student associations and governments, Research Foundation RF , UB Foundation UBF and any unit using third-party software to process payment card transactions.
This includes transmission, storage, and processing of payment card data, in any form electronic or paper on behalf of UB. Individual who owns and benefits from the use of a membership card, particularly a payment card. Elements of payment card information that must be protected, including primary account number PAN , cardholder name, expiration date, and the service code. The date on which a card expires and is no longer valid. The expiration date is embossed, encoded, or printed on the card.
CHD must be disposed of in a certain manner that renders all data un-recoverable. This includes paper documents and any electronic media including computers, hard drives, magnetic tapes, and USB storage devices in accordance with the Record Retention and Disposition Policy.
The approved PCI DSS disposal methods include cross-cut shredding, incineration, and approved shredding and disposal service.
A department or unit including a group of departments or a subset of a department approved to accept payment cards and assigned a merchant identification number. Number code of 14 or 16 digits embossed on a bank or credit card and encoded in the card's magnetic strip. PAN identifies the issuer of the card and the account, and includes a check digit as an authentication device.
Additional elements of payment card information required to be protected but never stored. These include magnetic stripe i.
The three- or four-digit value printed on or to the right of the signature panel or on the face of a payment card used to verify card-not-present transactions. Data encoded in the magnetic stripe or equivalent data on a chip used for authorization during a card-present transaction. Entities may not retain full magnetic-stripe data after transaction authorization.
Personal identification number entered by the cardholder during a card-present transaction, or encrypted PIN block present within the transaction message.
Policy Information. Policy Contents. Return to UB Policy Library. University at Buffalo Policy Library. Policy Statement. Install and maintain a firewall configuration to protect cardholder data 2. Do not use vendor-supplied defaults for system passwords and other security parameters Protect Cardholder Data 3. Protect stored cardholder data 4. Encrypt transmission of cardholder data across open, public networks Maintain a Vulnerability Management Program 5.
Protect all systems against malware and regularly update anti- virus software or programs 6. For the avoidance of doubt, where more than one option for implementing a given Required Element is included in the Standard, implementation of any such option is regarded as implementation of such Required Element for purposes of this definition.
For the avoidance of doubt, where more than one option for implementing a given element is included in the Standard, infringement by either option is regarded as Necessary Infringement. Necessary Claims do not include i claims covering reference implementations or implementation examples; ii claims that would be infringed only by any enabling technology that may be necessary to make or use any implementation of the Standard, but are not expressly set forth in the Standard; and iii claims that would be infringed only by an implementation that complies with a specification, requirement or standard not developed by or on behalf of Licensor but which are merely incorporated by reference into the Standard.
Grant of License. Covenant not to Assert Patent Claims. In consideration of such benefits, and as a precondition to implementing any Standard, the Licensee hereby enters into the following covenant not to assert:. Licensee irrevocably covenants and agrees that it will not seek to enforce any of its Necessary Claims under such Standard anywhere in the world at any time now or in the future against a Licensor for any use, implementation, or Necessary Infringement of such claims resulting from compliance with such Standard, or b any Implementers of such Standard with respect to those portions of any Compliant Products that implement such Standard, provided that such Compliant Product has been developed by a person or entity that has entered into, and is in compliance with, a Non-Assertion Commitment with Licensor.
No other rights of Licensee, except those expressly stated in this covenant not to assert, shall be deemed to have been granted, waived, or received by implication, estoppel, or otherwise; provided, however, that nothing in this Agreement shall limit, or be construed to limit in any way, any obligation or covenant of Licensee separately arising under the Policy.
Provisions Applicable to All Licensees. The following provisions apply to all Licensees the definitions in Section II are hereby incorporated by reference :. Licensee shall not sublicense any Standard or any of its rights under this Agreement, except to the extent necessary to exercise its rights under Section II.
Intellectual Property. No rights are conveyed in this Agreement to create any derivative work of any Standard, or any portion thereof. Support and Maintenance. Licensor shall have no obligation to Licensee or to any End User to support or maintain any Standard.
No Warranties. Third Party Rights.
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