3Delta Systems Offers Best Practices for Safeguarding Credit Card Data

3Delta Systems, a leader in online credit card processing solutions and a pioneer in safeguarding confidential payment data through tokenization, kicked off its observance of National Cyber Security Awareness Month by releasing a free white paper containing best practices for preventing cyber criminals from gaining entry to data centers where personally identifiable information, medical records and credit card numbers are often stored.

The white paper, entitled, "Stopping Data Cyberthieves in Their Tracks," explores proven technologies and techniques for thwarting those who try to hijack, steal or destroy sensitive customer credit card and purchase-card information housed at corporate or government data centers.

"Hackers have a built-in advantage when it comes to compromising data," said Aaron Bills, founder and chief operating officer of 3Delta Systems. "They think day and night about how to invent and execute a clever attack, and they gravitate to pathways that offer the least resistance for the greatest payoff. Many work for organized crime syndicates. Yet most companies don't have full-time security defense teams with the same intensity and focus on deterring hackers. So the odds of a successful breach are in the hacker's favor."

According to the Ponemon Institute's U.S. Cost of a Data Breach Study, data heists during 2009 cost companies an average of $6.75 million, or $204 per compromised customer record - up from $6.65 million, or $202 per record, in 2008. When the Institute conducted its first data breach study in 2005, the average was $138 per record. In just five years, the cost of dealing with the consequences of a breach rose nearly 48 percent. The same study found that breaches from malicious attacks and botnets doubled from 12 percent to 24 percent between 2008 and 2009 and cost 40 percent more than those caused by human negligence or IT system glitches.

Any organization that accepts or processes credit cards or p-cards cards online, in a store, by phone or by mail must protect and restrict access to that data in accordance with 12 specific Payment Card Industry Data Security Standards (PCI DSS) established by the major credit card brands that make up the PCI Security Standards Council.

"Because every point at which credit card data is handled must be secured, conforming with PCI rules as well as building and defending one's own data fortress can be extraordinarily difficult and prohibitively expensive," Bills explains. "Organizations that collect and store that data themselves often find the process to be a huge headache with potentially significant liabilities rather than a convenience for their customers. Transferring sensitive credit card and payment transaction data off site, where it is encrypted and stored at highly secure, PCI-compliant processing centers, is often the best solution."

3Delta Systems, which has met the strictest PCI compliance requirements for payment data security seven years in a row, pioneered a tokenization technology in 2003 called CardVault® that enables merchants to exchange their customers' confidential card data for randomly generated payment "tokens," a process that safely replaces real card numbers with a string of characters which then become useless to would-be hackers. Merchants use only the token key reference for each customer transaction while the real card data remains offsite at 3DSI's secure processing centers.

"By assuming that perpetrators will gain some form of access, you must plan for a layered, deep-defense approach to secure your system so that if one safeguard fails, other countermeasures can detect and respond to an attack," Bills added. "Toward that end, tokenization can be a formidable tool in your defense arsenal."


  • Return to Form

    My first security trade show was in 2021. At the time, I was awed by the sheer magnitude of the event and the spectacle of products on display. But this was the first major trade show coming out of the pandemic, and the only commentary I heard was how low the attendance was. Two representatives from one booth even spent the last morning playing catch in the aisle with their giveaway stress balls. Read Now

    • Industry Events
    • ISC West
  • Live from ISC West: Day 1 Recap

    The first day of ISC West 2023 is in the books, and it’s safe to say that vendors have brought their A-game to Las Vegas. The booths of this year’s Live From partners—NAPCO Security, Alibi Security, Vistacom, RGB Spectrum, and DoorKing—were swamped all day long. Here’s a brief recap of just a few highlights from each partner’s presence at the show. Read Now

    • Industry Events
    • ISC West
  • Turn on the AC, ISC West is Hot

    Nothing warm about the Las Vegas weather outside. It is cold, and it was raining after the opening day. No one seemed to care inside the convention center. The hall was packed with inquisitive security professionals. Read Now

    • Industry Events
    • ISC West
  • Live From ISC West 2023: Day 1

    ISC West 2023 in Las Vegas, Nevada, has officially begun! Make sure to keep an eye on Security Today’s ISCW Live 2023 page, as well as our associated Twitter accounts—@SecurToday and @CampusSecur—for the latest updates from the show floor at the Venetian Expo. Read Now

    • Industry Events
    • ISC West

Featured Cybersecurity

New Products

  • PACE® Long Range Ethernet Solutions

    PACE® Long Range Ethernet Solutions

    Altronix introduces the newest addition to its portfolio of PACE® Long Range Ethernet Solutions. 3

  • Dahua 2-Wire IP Video Intercom System

    Dahua 2-Wire IP Video Intercom System

    Dahua Technology is introducing a new line of expandable 2-wire IP video intercom solutions for the North America market. The New 2-wire IP video intercom is more advanced, cost effective, and designed to help businesses increase their security. 3

  • Kangaroo Home Security System

    Kangaroo Home Security System

    Kangaroo is the affordable, easy-to-install home security system designed for anyone who wants an added layer of peace of mind and protection. It has several products, ranging from the fan-favorite Doorbell Camera + Chime, to the more comprehensive Front Door Security Kit with Professional Monitoring. Regardless of the level of desired security, Kangaroo’s designed to move with consumers - wherever that next chapter may be. Motion sensors, keypads and additional features can be part of the package to any Kangaroo system in place, anytime. Additionally, Kangaroo offers scalable protection plans with a variety of benefits ranging from 24/7 professional monitoring to expanded cloud storage, coverage for damage and theft. 3