Copyright Goodheart-Willcox Co., Inc. 64 Principles of Cybersecurity over six million transactions per year would be at level 1. Some of the require- ments differ depending on the level assignment. There are potential penalties for noncompliance. Fines could run as high as $5,000 to $100,000 per month on the acquiring bank. The credit card bank may choose to pass the cost to the merchant or terminate the payment relationship with the merchant. This would be in addition to any possible civil litigation from cardholders. Goodheart-Willcox Publisher Figure 2-22. The PCI DSS contains 12 standards based on six goals. Goals PCI DSS Standard Build and Maintain a Secure Network 1. Install and maintain a firewall 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. Use and regularly update antivirus software or programs. 6. Develop and maintain secure systems and applications. Implement Strong Access Control Measures 7. Restrict access to cardholder data by business need-to-know. 8. Assign a unique ID to each person with computer access. 9. Restrict physical access to cardholder data. Regularly Monitor and Test Networks 10. Track and monitor all access to network resources and cardholder data. 11. Regularly test security systems and processes. Maintain an Information Security Policy 12. Maintain a policy that addresses information security for employees and contractors. Square, Inc. Figure 2-23. A device such as this one from Square can be used with a smart- phone to accept and process credit card payments as well as payments from smartphone apps.