PCI DSS Compliance

interface PlaidDataFlow {
  cardDataHandling: {
    storage: 'No direct card storage'
    transmission: 'Encrypted channels only'
    processing: 'Analysis of transaction metadata'
 
    riskFactors: {
      bankStatements: 'May contain masked card numbers'
      transactionData: 'May include merchant card transactions'
      accountInfo: 'Linked payment methods'
    }
  }
 
  mitigations: {
    tokenization: 'Use Plaid tokens instead of raw data'
    dataMinimization: 'Only collect necessary fields'
    encryption: 'AES-256 for any card-related data'
 
    pciFocus: {
      requirement1: 'Network security controls'
      requirement3: 'Protect stored cardholder data'
      requirement4: 'Encrypt transmission of cardholder data'
    }
  }
}

network_security:
  firewalls:
    deployment:
      - Perimeter firewalls (cloud WAF)
      - Host-based firewalls on servers
      - Database access controls
      - API gateway restrictions
 
    configuration:
      - Default deny policies
      - Whitelist approved traffic
      - Regular rule reviews
      - Change management process
 
  network_segmentation:
    zones:
      dmz: "Public-facing services"
      application: "Internal application servers"
      database: "Backend data stores"
      management: "Administrative access"
 
    controls:
      - VLANs/subnets
      - Access control lists
      - Network monitoring
      - Intrusion detection

class SecureConfiguration {
  systemHardening = {
    servers: {
      removeDefaults: 'Remove default accounts and passwords'
      disableServices: 'Disable unnecessary services'
      updateSoftware: 'Apply security patches promptly'
      antiMalware: 'Install and maintain anti-malware'
    }
 
    applications: {
      secureDefaults: 'Change default settings'
      encryption: 'Enable encryption features'
      authentication: 'Strong authentication mechanisms'
      logging: 'Enable comprehensive logging'
    }
 
    databases: {
      accessControls: 'Restrict database access'
      encryption: 'Encrypt sensitive data'
      monitoring: 'Enable audit logging'
      patching: 'Regular security updates'
    }
  }
 
  configurationStandards = {
    documentation: 'Maintain configuration baselines'
    automation: 'Use configuration management tools'
    testing: 'Validate configurations regularly'
    changeControl: 'Approve configuration changes'
  }
}

interface TransmissionSecurity {
  encryption: {
    protocols: {
      web: 'TLS 1.2+ for all web traffic'
      api: 'TLS 1.3 for API communications'
      database: 'TLS for database connections'
      internal: 'IPSec for internal networks'
    }
 
    keyManagement: {
      generation: 'Use cryptographically strong keys'
      distribution: 'Secure key exchange protocols'
      storage: 'Hardware security modules (HSM)'
      rotation: 'Regular key rotation schedule'
    }
  }
 
  implementation: {
    certificates: {
      source: 'Trusted certificate authorities'
      validation: 'Validate certificate chains'
      monitoring: 'Monitor certificate expiration'
      replacement: 'Automate certificate renewal'
    }
 
    configuration: {
      cipherSuites: 'Strong cipher suites only'
      protocols: 'Disable weak protocols (SSLv3, TLS 1.0/1.1)'
      perfectForwardSecrecy: 'Enable PFS where possible'
      hsts: 'HTTP Strict Transport Security'
    }
  }
}

malware_protection:
  antivirus:
    deployment:
      - All servers and workstations
      - Real-time scanning enabled
      - Regular signature updates
      - Behavioral analysis
 
    management:
      - Centralized management console
      - Automated policy deployment
      - Quarantine procedures
      - Incident response integration
 
  additional_controls:
    email_security:
      - Spam filtering
      - Attachment scanning
      - URL protection
      - Phishing detection
 
    web_security:
      - Web application firewall
      - Content filtering
      - Malicious site blocking
      - Download scanning
 
    endpoint_protection:
      - Device control
      - Application whitelisting
      - Exploit protection
      - Network access control

class SecureDevelopment {
  sdlc = {
    planning: {
      threatModeling: 'Identify security threats early'
      securityRequirements: 'Define security specifications'
      architectureReview: 'Security architecture approval'
    }
 
    development: {
      secureCoding: 'Follow secure coding guidelines'
      codeReview: 'Security-focused code reviews'
      staticAnalysis: 'Automated security testing'
      thirdParty: 'Vet third-party components'
    }
 
    testing: {
      securityTesting: 'Dedicated security test cases'
      penetrationTesting: 'External security assessment'
      vulnerabilityScanning: 'Automated vulnerability detection'
      dynamicTesting: 'Runtime security testing'
    }
 
    deployment: {
      secureConfiguration: 'Deploy with secure settings'
      changeManagement: 'Controlled deployment process'
      rollback: 'Ability to quickly rollback'
      monitoring: 'Security monitoring post-deployment'
    }
  }
 
  vulnerabilityManagement = {
    scanning: {
      frequency: 'Monthly internal, quarterly external'
      scope: 'All systems in cardholder data environment'
      tools: 'Multiple scanning technologies'
    }
 
    remediation: {
      critical: 'Within 30 days'
      high: 'Within 90 days'
      medium: 'Within 180 days'
      low: 'Risk-based prioritization'
    }
 
    tracking: {
      database: 'Vulnerability tracking system'
      reporting: 'Regular status reports'
      metrics: 'Remediation time tracking'
    }
  }
}

interface AccessControl {
  userManagement: {
    identification: {
      uniqueUserIds: 'Each user has unique identifier'
      namingConvention: 'Consistent naming standards'
      lifecycle: 'Provisioning, modification, deprovisioning'
    }
 
    authentication: {
      multiFactor: 'MFA for all administrative access'
      passwordPolicy: {
        length: 'Minimum 12 characters'
        complexity: 'Mix of character types'
        history: 'Cannot reuse last 4 passwords'
        expiry: 'Change every 90 days'
      }
 
      lockout: {
        attempts: 'Lock after 6 failed attempts'
        duration: '30 minutes or manual unlock'
        monitoring: 'Alert on lockout events'
      }
    }
  }
 
  privilegedAccess: {
    assignment: 'Principle of least privilege'
    review: 'Regular access reviews (quarterly)'
    segregation: 'Separate admin accounts'
    monitoring: 'Enhanced logging for privileged actions'
  }
 
  systemAccounts: {
    shared: 'Prohibited for cardholder data access'
    service: 'Unique accounts for each service'
    generic: 'Disabled or removed'
    vendor: 'Temporary access only'
  }
}

physical_security:
  facilities:
    access_controls:
      - Badge-based access systems
      - Biometric authentication
      - Visitor management
      - Security guards
 
    monitoring:
      - 24/7 video surveillance
      - Motion detectors
      - Access logging
      - Incident response
 
    environmental:
      - Climate control
      - Fire suppression
      - Power backup (UPS)
      - Natural disaster protection
 
  media_handling:
    storage:
      - Locked cabinets/rooms
      - Environmental controls
      - Access logging
      - Inventory management
 
    transportation:
      - Secure courier services
      - Chain of custody
      - Tamper-evident packaging
      - Insurance coverage
 
    disposal:
      - Secure destruction
      - Certificate of destruction
      - Witness destruction
      - Audit trail

class AuditLogging {
  loggingRequirements = {
    events: [
      'User access attempts',
      'Administrative actions',
      'System access',
      'Data access',
      'Network access',
      'Privilege escalation',
      'System modifications',
      'File access'
    ],
 
    details: {
      userId: 'User identifier',
      timestamp: 'Date and time',
      eventType: 'Type of event',
      success: 'Success or failure',
      source: 'Source of event',
      resource: 'Resource accessed',
      details: 'Additional event details'
    }
  }
 
  logManagement = {
    centralization: 'Central log management system',
    protection: 'Logs protected from tampering',
    retention: 'Minimum 1 year, 3 months online',
    backup: 'Regular log backups',
 
    monitoring: {
      realTime: 'Real-time log analysis',
      alerting: 'Automated alerting on suspicious events',
      correlation: 'Event correlation and analysis',
      investigation: 'Log analysis tools and procedures'
    }
  }
 
  timeSync = {
    ntp: 'Network Time Protocol synchronization',
    sources: 'Authoritative time sources',
    monitoring: 'Time drift monitoring',
    accuracy: 'Accurate to within seconds'
  }
}

security_testing:
  vulnerability_scanning:
    internal:
      frequency: "Monthly"
      scope: "All systems in CDE"
      remediation: "Critical within 30 days"
 
    external:
      frequency: "Quarterly"
      scope: "Public-facing systems"
      provider: "ASV (Approved Scanning Vendor)"
 
  penetration_testing:
    frequency: "Annual"
    scope: "Network and applications"
    methodology: "Industry-standard methodology"
    reporting: "Executive summary and technical details"
 
  wireless_security:
    scanning:
      frequency: "Quarterly"
      scope: "All facility locations"
      detection: "Unauthorized access points"
 
    configuration:
      - WPA2/WPA3 encryption
      - Strong authentication
      - Default SSID changes
      - Firewall protection
 
  change_detection:
    file_integrity:
      - Critical system files
      - Configuration files
      - Application files
      - Database files
 
    monitoring:
      - Real-time detection
      - Automated alerts
      - Investigation procedures
      - Response protocols

interface SecurityGovernance {
  informationSecurity: {
    policy: {
      scope: 'All personnel and systems'
      ownership: 'CISO responsibility'
      review: 'Annual policy review'
      approval: 'Board or executive approval'
    }
 
    procedures: {
      incident: 'Security incident response'
      vulnerability: 'Vulnerability management'
      access: 'Access control procedures'
      change: 'Change management'
    }
  }
 
  riskManagement: {
    assessment: {
      frequency: 'Annual risk assessment'
      methodology: 'Formal risk assessment process'
      documentation: 'Risk register and treatment plans'
      monitoring: 'Ongoing risk monitoring'
    }
 
    treatment: {
      accept: 'Documented risk acceptance'
      mitigate: 'Risk mitigation controls'
      transfer: 'Insurance and contracts'
      avoid: 'Eliminate risk sources'
    }
  }
 
  awareness: {
    training: {
      allPersonnel: 'Annual security awareness training'
      specialized: 'Role-based security training'
      contractors: 'Third-party personnel training'
      testing: 'Knowledge verification testing'
    }
 
    communication: {
      policies: 'Policy communication'
      updates: 'Security update notifications'
      incidents: 'Security incident awareness'
      culture: 'Security culture promotion'
    }
  }
}

technical_implementation:
  network_security:
    - Deploy WAF (Web Application Firewall)
    - Configure network segmentation
    - Implement intrusion detection
    - Set up VPN for remote access
 
  data_protection:
    - Implement tokenization
    - Deploy encryption solutions
    - Configure key management
    - Set up data loss prevention
 
  access_controls:
    - Deploy identity management
    - Implement multi-factor authentication
    - Configure privileged access management
    - Set up access monitoring
 
  monitoring:
    - Deploy SIEM solution
    - Configure log collection
    - Set up alerting rules
    - Implement incident response

interface ComplianceActivities {
  documentation: {
    policies: 'Information security policy'
    procedures: 'Operational procedures'
    standards: 'Technical standards'
    guidelines: 'Implementation guidelines'
  }
 
  training: {
    awareness: 'General security awareness'
    roleSpecific: 'PCI DSS specific training'
    technical: 'Technical security training'
    incident: 'Incident response training'
  }
 
  testing: {
    vulnerability: 'Vulnerability assessments'
    penetration: 'Penetration testing'
    controls: 'Control effectiveness testing'
    incident: 'Incident response testing'
  }
 
  assessment: {
    internal: 'Internal compliance assessment'
    external: 'QSA assessment'
    remediation: 'Gap remediation'
    certification: 'AOC completion'
  }
}

ongoing_activities:
  quarterly:
    - Vulnerability scanning (external)
    - Access review
    - Policy review
    - Security metrics review
 
  monthly:
    - Vulnerability scanning (internal)
    - Security training
    - Incident review
    - Control testing
 
  continuous:
    - Log monitoring
    - Security alerts
    - Patch management
    - Threat intelligence

interface PCIMetrics {
  technical: {
    vulnerabilityRemediationTime: number     // Days
    patchInstallationTime: number           // Days
    systemUptimePercentage: number          // Percentage
    encryptionCoverage: number              // Percentage
  }
 
  operational: {
    incidentResponseTime: number            // Hours
    falsePositiveRate: number              // Percentage
    complianceScore: number                 // Score out of 100
    auditFindingsClosed: number            // Count
  }
 
  business: {
    complianceCost: number                 // Annual cost
    businessImpact: number                 // Downtime hours
    customerTrust: number                  // Survey score
    regulatoryRisk: number                 // Risk score
  }
}

implementation_costs:
  technology:
    security_tools: "$50,000 - $100,000"
    infrastructure: "$25,000 - $50,000"
    monitoring: "$30,000 - $60,000"
    consulting: "$75,000 - $150,000"
 
  ongoing:
    maintenance: "$20,000 - $40,000/year"
    assessment: "$15,000 - $30,000/year"
    training: "$5,000 - $10,000/year"
    monitoring: "$24,000 - $48,000/year"
 
  total_first_year: "$180,000 - $360,000"
  annual_ongoing: "$64,000 - $128,000"

interface ScopeReduction {
  tokenization: {
    approach: 'Use payment processor tokens'
    benefit: 'Remove card data from environment'
    implementation: 'Plaid tokenization features'
  }
 
  minimization: {
    approach: 'Collect minimum necessary data'
    benefit: 'Reduce compliance scope'
    implementation: 'Data classification and filtering'
  }
 
  outsourcing: {
    approach: 'Use PCI compliant service providers'
    benefit: 'Transfer compliance responsibility'
    implementation: 'Vendor due diligence'
  }
}