3.4 Access to displays of full PAN and ability to copy PAN is restricted.
This requirement focuses on restricting access to displays of full PAN and the ability to copy PAN. It ensures that organizations have controls in place to limit who can view and copy full PAN data.
Sub-requirements
3.4. Primary account number (PAN) is rendered unreadable anywhere it is stored.
Ensure that PAN is protected by strong cryptography, truncation, masking, or hashing wherever it is stored.
Key Risks
Frequently Asked Questions
What methods can be used to render PAN unreadable?
Encryption, truncation, masking, or hashing are all acceptable methods.
Who should have access to full PAN?
Only personnel with a legitimate business need should have access to full PAN.
How should PAN be displayed?
PAN should be masked when displayed, showing only the minimum necessary digits.
What are the risks of storing PAN in plaintext?
Plaintext PAN is easily compromised in a breach, leading to fraud and compliance violations.
How often should PAN protection methods be reviewed?
Regularly, and after any changes to storage or processing systems.
Common QSA Questions
Can you show how PAN is rendered unreadable in your systems?
We use strong encryption, truncation, or masking as required, and can provide evidence of these controls.
How do you control access to full PAN?
Access is restricted by role, logged, and reviewed regularly.
How do you ensure PAN protection methods remain effective?
We review and test our controls regularly to ensure ongoing effectiveness.
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