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PCI-Security PCIPv4-0 Questions & Answers

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Payment Card Industry Professional (PCIP) v4.0

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Question: 517

In the context of PCI DSS, which of the following is a key requirement for maintaining a secure network and systems?

ng vendor-supplied defaults for system passwords and other security parameters gularly updating anti-virus software or programs

plementing strong encryption methods for data transmission over open networks er: A, C, D

nation: PCI DSS requires installing firewalls, updating anti-virus software, and strong encryp transmissions, while using vendor defaults is explicitly prohibited.

ion: 518

of the following best describes the importance of implementing multi-factor authentication cessing systems that handle cardholder data?

A is only necessary for remote access and not for internal systems.

plementing MFA enhances security by requiring multiple forms of verification before grantin thereby reducing the risk of unauthorized access to sensitive data.

A is an outdated practice that does not contribute significantly to security.

A only complicates the user experience without adding substantial security benefits. er: B

nation: Multi-factor authentication significantly enhances security by requiring multiple form ation, thereby reducing the likelihood of unauthorized access to systems handling sensitive lder data.

Installing and maintaining a firewall configuration to protect cardholder data

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Question: 519

A large e-commerce company is implementing a new payment processing system. As part of their PCI DSS compliance strategy, they must ensure that cardholder data is encrypted during transmission. Which of the following protocols should they implement to secure this data effectively?

HTTPS
FTP
TLS
SSH

Explanation: HTTPS and TLS are secure protocols that encrypt data during transmission, ensuring cardholder data is protected. FTP does not encrypt data, and SSH is primarily for secure shell access, not for web traffic encryption.

Question: 520

use of generic encryption keys that can be shared across multiple devices.

physical security of the devices used for data entry and encryption to prevent tampering. owing unrestricted access to payment devices for all employees to enhance convenience.

absence of any need for validation of the encryption methods employed. er: B

nation: Organizations must consider the physical security of the devices used for data entry a tion to prevent tampering, ensuring the integrity and security of cardholder data in PCI P2P ns.

ion: 521

access control model is most effective for ensuring that only authorized personnel can acce lder data while adhering to the principle of least privilege?

e-Based Access Control (RBAC) cretionary Access Control (DAC) ndatory Access Control (MAC) ribute-Based Access Control (ABAC)

nation: RBAC allows organizations to assign permissions based on user roles, ensuring that

In the implementation of PCI P2PE solutions, what is a critical factor organizations must consider to ensure the integrity and security of cardholder data?

The
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individuals have the minimum access necessary to perform their jobs, thus adhering to the least privilege principle.

Question: 522

During a security incident response, a company discovers that its intrusion detection system (IDS) failed to alert on a significant breach due to misconfiguration. What is the most critical step to take immediately after resolving the incident?

Inform all employees about the breach
Review and update the IDS configuration and alert settings
Conduct a full security audit of all systems
Change all user passwords as a precaution Answer: B

Explanation: Reviewing and updating the IDS configuration and alert settings is critical to prevent similar failures in the future and ensure that the system can effectively detect and respond to threats.

pany is reviewing their compliance with PCI PTS requirements for their payment terminals. er that their terminals do not meet the latest version of the standards. What is the most signif ation of not adhering to PCI PTS requirements?

minals may process transactions, but the company risks fines. company may experience increased transaction fees from banks.

n-compliance may result in the terminals being vulnerable to tampering and data breaches. terminals will not be able to process any payment types.

nation: PCI PTS (Payment Terminal Security) requirements are essential for ensuring that pa als are secure from tampering and data breaches. Non-compliance exposes the terminals to cant security risks.

ion: 524

onfiguring an access control system for a network that processes cardholder data, which of ing practices should be prioritized?

owing all users access to critical systems for efficiency

gularly updating access control policies based on threat intelligence plementing access controls only at the perimeter of the network ying solely on user education for security

Ter
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Explanation: Regularly updating access control policies based on threat intelligence ensures that the organization remains proactive in adapting to evolving security threats.

Question: 525

Which of the following processes is essential for maintaining compliance with the PCI DSS requirement for logging and monitoring access to cardholder data?

Implementing automated alerting for unauthorized access attempts.
Regularly reviewing logs to identify patterns of suspicious activity.
Storing logs indefinitely to ensure historical reference.
Limiting log access to system administrators only. Answer: A, B, D

ion: 526

enario where a company uses both encryption and tokenization to protect cardholder data, w mary benefit of implementing both methods rather than relying on just one?

ng both methods eliminates the need for compliance with PCI DSS.

mbining encryption and tokenization provides layered security, enhancing overall data protec ng that even if one method is compromised, the other remains secure.

Both methods are redundant and do not add significant security benefits. plementing both methods simplifies the data management process.

nation: Implementing both encryption and tokenization creates a layered security approach, ng that if one method is compromised, the other continues to protect sensitive cardholder dat

ion: 527

valuating the effectiveness of an organization's PCI DSS compliance program, which of th ing is considered a critical metric?

mber of security incidents reported quency of employee PCI training sessions

centage of systems that are compliant with PCI requirements

Explanation: Essential processes for maintaining compliance include automated alerting for unauthorized access and regular log reviews to identify suspicious activity. However, storing logs indefinitely is not a requirement, and limiting access to logs is important for security.

Quest

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Amount of cardholder data processed annually Answer: A, C

Explanation: Effective metrics include the number of security incidents and the percentage of compliant systems. While training is important, it is not a direct measure of compliance effectiveness.

Question: 528

In the case of a service provider that handles payment card data for multiple clients, which report is primarily required to demonstrate compliance with PCI DSS on behalf of all clients?

Self-Assessment Questionnaire
Report on Compliance
Attestation of Compliance
Service Provider Compliance Statement Answer: B

ion: 529

ding the PCI DSS, which of the following is a primary goal of Requirement 3, which focuses otection of stored cardholder data?

nsure that all cardholder data is stored indefinitely for transaction verification purposes. estrict the storage of sensitive authentication data after authorization, ensuring that only nec retained and protected.

andate that all stored cardholder data must be kept in easily accessible locations for audit es.

llow merchants to store cardholder data as long as it is encrypted with basic encryption ques.

nation: Requirement 3 of the PCI DSS aims to restrict the storage of sensitive authentication uthorization, ensuring that only necessary data is retained and adequately protected.

ion: 530

urity team is reviewing access logs and notices multiple entries from a single user account ac lder data at odd hours consistently. What should the team initially consider regarding this ac

user may be working overtime

Explanation: A service provider must complete a Report on Compliance (ROC) to demonstrate compliance with PCI DSS for all clients, as it provides a comprehensive review of their security practices.

Quest

To e
To r essary
data is
To m purpos
To a techni

Quest

The
The user’s account may have been compromised
The system may be misconfigured
The user is likely a valuable employee Answer: B

Explanation: The odd hours of access patterns should raise concerns about potential account compromise, warranting a deeper investigation into the user’s activity.

What practice is essential for ensuring the security of tokenized cardholder data in a payment processing environment?

Allowing unrestricted access to tokenization servers for all employees.
Implementing strong access controls and monitoring systems for token management.
Storing tokens alongside encrypted cardholder data.
Using a single token for all transactions to simplify management. Answer: B

nation: Implementing strong access controls and monitoring for token management is essenti that tokenized cardholder data remains secure and protected from unauthorized access.

ion: 532

thorough review of access logs, an analyst identifies a user account that has been accessing lder data at irregular intervals. What is the most appropriate first step the analyst should tak

ck the user account immediately ify the user of the findings

estigate the user's access patterns further nerate a report for management

nation: Investigating the user's access patterns further is essential to determine whether the ac timate or indicative of a security breach before taking further action.

ion: 533

ganization utilizes a logging system that captures all user activities within its payment proces ation. However, during a review, it is found that the logs are not being stored securely. Wha

primary risk associated with this practice?

reased operational costs

Quest

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Inv
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applic t is the

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Potential data breaches and compliance violations
Inefficient use of storage resources
Lack of user accountability Answer: B

Explanation: Storing logs insecurely poses a risk of data breaches and compliance violations, as sensitive information could be accessed by unauthorized individuals, jeopardizing cardholder data security.

A company that stores cardholder data is evaluating its data retention practices. Which of the following practices are essential for compliance with PCI DSS?

Retaining cardholder data as long as necessary
Implementing secure data disposal methods
Storing cardholder data on unencrypted devices
Regularly reviewing data retention policies Answer: A,B,D

on policies are essential for compliance with PCI DSS.

ion: 535

ncial institution is evaluating its firewall configuration to ensure that only necessary busines an pass through. Which of the following configurations would best minimize the attack sur llowing legitimate traffic?

ow all inbound traffic and restrict outbound traffic

plement a default-deny rule for inbound traffic and allow specific outbound protocols mit all traffic on established connections without further inspection

ck all traffic except for specific IP addresses and ports er: B

nation: Implementing a default-deny rule for inbound traffic significantly minimizes the attac surface. By only allowing specific outbound protocols, the institution can ensure that only legitima

s processed while blocking unauthorized access.

ion: 536

rvice provider processes payment card data on behalf of multiple clients, which compliance report ost comprehensive and required to demonstrate their security posture?

f-Assessment Questionnaire estation of Compliance

Explanation: Retaining data only as necessary, secure disposal methods, and regular reviews of data retenti

Quest

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Quest If a se is the m

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Report on Compliance
Service Provider Self-Report Answer: C

Explanation: Service providers must complete a Report on Compliance (ROC) to comprehensively demonstrate their PCI compliance to all clients they serve.

When implementing security measures to protect stored cardholder data, which of the following practices would significantly enhance the security of the data while at rest?

Employing a single encryption key for all data.
Using a combination of encryption and access controls to restrict data access.
Storing data in an unencrypted format for faster retrieval.
Allowing all employees to access the stored data for operational efficiency. Answer: B

t rest, as it restricts access to authorized personnel only and protects the data from unauthor

ion: 538

a security audit, a company discovers that its intrusion detection system (IDS) is only conf nitor inbound traffic. What is the primary vulnerability associated with this configuration?

reased network latency

bility to detect outbound data exfiltration duced system performance

ck of compliance with PCI DSS er: B

nation: Configuring the IDS to monitor only inbound traffic leaves the organization vulnerab und data exfiltration, as unauthorized data transfers may go undetected.

ion: 539

cent audit, a payment processor discovered that its user accounts included generic administra nts shared among multiple users. What is the primary issue with this account management pr

implifies password management

educes the number of required passwords

Explanation: Using a combination of encryption and access controls significantly enhances data security while a ized

Quest

Inc
Ina
Re
La

Quest

It s
It r
It creates accountability challenges and security vulnerabilities
It enhances collaboration among team members Answer: C

Explanation: Generic administrative accounts shared among multiple users create accountability challenges and security vulnerabilities, making it difficult to trace actions back to specific individuals.

In the context of PCI DSS, which of the following statements regarding access control mechanisms is accurate?

Access to cardholder data should be based on the principle of least privilege
All employees should have unrestricted access to cardholder data
Multi-factor authentication is required for remote access to the cardholder data environment
Access permissions should be reviewed regularly to ensure appropriateness Answer: A, C, D

uthentication for remote access, and involve regular reviews of permissions.

Explanation: Access control mechanisms should follow the principle of least privilege, require multi- factor a

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