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Test Code : P2050-003
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Vendor title : IBM
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IBM IBM Commerce Solutions Selling

IBM (IBM) incomes fine Media insurance, InfoTrie experiences | killexams.com actual Questions and Pass4sure dumps

news headlines about IBM (NYSE:IBM) Have trended superb currently, in accordance with InfoTrie Sentiment analysis. The research neighborhood identifies tremendous and sinful press insurance via monitoring greater than 6,000 news and weblog sources in precise-time. The solid ranks coverage of companies on a scale of impecunious 5 to 5, with rankings closest to five being probably the most favorable. IBM earned a media sentiment ranking of two.sixty seven on their scale. InfoTrie moreover gave news headlines concerning the know-how enterprise an news buzz rating of 2 out of 10, indicating that recent press coverage is terribly not going to Have an Have an effect on on the company’s share expense in the next a number of days.

listed here are one of the most information headlines that may additionally Have impacted IBM’s rating:

IBM has been the subject matter of a number of analyst reviews. Morgan Stanley lowered their goal fee on shares of IBM from $185.00 to $168.00 and set an “obese” score on the stock in a analysis notice on Wednesday, October 17th. u.s.a.community upgraded shares of IBM from a “impartial” score to a “purchase” ranking and lifted their cost target for the company from $one hundred sixty.00 to $180.00 in a record on Wednesday, September 26th. ValuEngine downgraded shares of IBM from a “sell” rating to a “mighty promote” ranking in a document on Thursday, November 1st. Zacks investment research downgraded shares of IBM from a “buy” rating to a “grasp” rating in a report on Wednesday, September nineteenth. ultimately, Argus downgraded shares of IBM from a “purchase” ranking to a “grasp” rating in a record on Thursday, October 18th. Three analysts Have rated the inventory with a promote score, eleven Have assigned a dangle rating and eight Have issued a buy score to the inventory. The inventory has a consensus ranking of “hang” and a consensus charge goal of $161.00.

Shares of NYSE IBM opened at $116.forty three on Thursday. The enterprise has a debt-to-fairness ratio of 1.eighty one, a short ratio of 1.26 and a present ratio of 1.31. The enterprise has a market capitalization of $105.fifty one billion, a price-to-income ratio of 8.forty four, a P/E/G ratio of 1.69 and a beta of 1.20. IBM has a 52-week low of $114.09 and a fifty two-week extreme of $171.13.

IBM (NYSE:IBM) closing posted its income effects on Tuesday, October sixteenth. The technology trade mentioned $3.forty two earnings per share for the quarter, topping analysts’ consensus estimates of $three.40 with the aid of $0.02. IBM had a web margin of seven.12% and a return on equity of sixty nine.ninety eight%. The solid had income of $18.seventy six billion for the quarter, compared to the consensus assay of $19.04 billion. complete through the equal length within the extinct yr, the company posted $3.30 EPS. The company’s quarterly income become down 2.1% on a year-over-12 months groundwork. On usual, equities analysts forecast that IBM will post 13.81 income per share for the existing yr.

IBM announced that its board has licensed a share repurchase program on Tuesday, October thirtieth that permits the company to repurchase $four.00 billion in surprising shares. This repurchase authorization allows the expertise company to repurchase up to three.5% of its inventory via open market purchases. stock repurchase classes are commonly a demonstration that the company’s leadership believes its inventory is undervalued.

The enterprise moreover lately announced a quarterly dividend, which became paid on Monday, December 10th. Stockholders of list on Friday, November ninth had been issued a $1.fifty seven dividend. The ex-dividend date turned into Thursday, November eighth. This represents a $6.28 dividend on an annualized foundation and a dividend yield of 5.39%. IBM’s dividend payout ratio (DPR) is perquisite now forty five.fifty one%.

In different IBM information, Chairman Virginia M. Rometty purchased eight,500 shares of IBM stock in a transaction dated Friday, November 2nd. The shares Have been purchased at a typical can imbue of $117.fifty one per share, for a total transaction of $998,835.00. Following the acquisition, the chairman now at once owns eleven,368 shares within the enterprise, valued at approximately $1,335,853.68. The acquisition became disclosed in a filing with the SEC, which is accessible in the course of the SEC web site. additionally, Director Sidney Taurel purchased 4,311 shares of IBM inventory in a transaction dated Wednesday, October thirty first. The inventory changed into bought at a customary expense of $a hundred and fifteen.02 per share, for a complete transaction of $495,851.22. Following the completion of the acquisition, the director now owns 19,987 shares in the company, valued at $2,298,904.seventy four. The disclosure for this purchase will moreover be institute perquisite here. Insiders own 0.17% of the enterprise’s stock.

WARNING: “IBM (IBM) incomes fine Media insurance, InfoTrie stories” changed into firstly suggested through Markets daily and is the property of of Markets each day. when you are reading this information yarn on a further domain, it became illegally stolen and republished in violation of united states & exotic copyright and trademark law. The customary version of this news yarn can be seen at https://www.themarketsdaily.com/2018/12/20/ibm-ibm-incomes-wonderful-media-coverage-infotrie-reviews.html.

About IBM

overseas company Machines Corp. is an guidance know-how company, which provides integrated solutions that leverage information know-how and talents of company approaches. It operates during the following segments: Cognitive solutions, global company services, expertise capabilities & Cloud systems, techniques, and international Financing.

Featured Story: risk Tolerance

Insider Buying and Selling by Quarter for IBM (NYSE:IBM)

receive news & ratings for IBM each day - Enter your email tackle beneath to acquire a concise day by day summary of the latest information and analysts' scores for IBM and related organizations with MarketBeat.com's FREE daily electronic mail newsletter.


IBM to sell software items to HCL for $1.8B: Key Takeaways | killexams.com actual Questions and Pass4sure dumps

international trade Machines enterprise (IBM - Free record) recently entered perquisite into a definitive settlement to divest seven utility items to HCL applied sciences for about $1.8 billion.

Per the phrases of the contract, IBM intends to promote Appscan, Bigfix, Commerce, Connections, Notes & Domino, Portal and Commerce utility options.

The options are estimated to Have a total addressable market (TAM) exceeding $50 billion. especially, the utility offerings consist of three on-premise solutions.

The enterprise deal is expected to conclude within mid-2019, discipline to customary regulatory approvals.

IBM’s shares were up very nearly 2% the day before today, while that of HCL which trades under NSE (India) with the ticker “HCLTECH” had been down approximately 5%.

notably, shares of IBM Have shed 15.5% year to date, in comparison with the trade’s decline of 10.2%.

Key Takeaways for IBM

The movement is in sync with IBM’s increasing focus of attention on bolstering its hybrid cloud company. The trade estimates the charge of its hybrid cloud company at $19 billion.

In a sharp contrast, IBM’s Cognitive options’ section isn't painting a promising photo. in fact, Cognitive options’ revenues-exterior diminished 5.7% yr over 12 months (down 5% at cc) to $4.15 billion in third-quarter 2018. Segmental revenues concerning Strategic Imperatives and Cloud declined 4% and a yoke of%, respectively.

specifically, options software revenues are suggested under Cognitive options’ segment. solutions software includes choices in strategic verticals like health, area-particular capabilities like analytics and security, and IBM’s emerging applied sciences of AI and blockchain. The angle moreover includes offerings that handle horizontal domains like collaboration, commerce and skill. options utility revenues declined 3% yr over year in third-quarter 2018.

In a bid to understand hybrid cloud goals, IBM intends to give corporations with market leading hybrid cloud platform enabling them to shift their company applications seamlessly to the cloud. in this regard, the company lately entered into a definitive compress to purchase red Hat for approximately $34 billion in cash. The buyout is expected to shut within the latter half of 2019.

by using divesting the application items, IBM will gain $1.eight billion, anticipated to enhance the company’s money position, which is vital at this constituent of time.

above all, IBM ended third-quarter 2018 with $14.70 billion in complete money and marketable securities in comparison with $11.ninety three billion at the conclude of second-quarter 2018. complete debt (together with world financing) turned into $46.9 billion, up $1.four million from the previous quarter.

additionally, the trade is moreover predicted to partly mitigate the sluggishness in Cognitive solutions’ segment with this deal.

in the words of senior vice chairman of IBM’s Cognitive solutions and research, John Kelly, "We trust the time is arrogate to divest these choose collaboration, advertising and commerce application belongings, which can be more and more delivered as stand-alone items.”

HCL Stands to benefit

The seven software solutions picture solutions in excessive-increase security, commerce and advertising domains, which benevolent Noida, India-headquartered HCL’s discrete working segments. additional, HCL and IBM currently Have an IP Partnership encompassing 5 of the seven products in consideration.

These elements will allow HCL to seamlessly combine the items in its company approaches.

moreover, some of those options are diagnosed as market main solutions in respective fields, which is a good.

further, with the closure of the deal, HCL is anticipated to expand its trade globally via gaining IBM’s client base.

bottom line

We believe it's a win-win circumstance for both the groups worried because it permits them to understand their respective company desires.

With the closure, they harmonize with IBM will be smartly located to focus of attention on its hybrid cloud businessin a bizarre manner. instead of blocking resources on the construction and enhancement of the stand-on my own products worried, the trade is anticipated to toughen its foothold in the hybrid cloud market.

Zacks Rank & Key Picks

IBM incorporates a Zacks Rank #3 (grasp). Twitter, Inc. (TWTR - Free document) , Upland application (UPLD - Free document) and Intel (INTC - Free document) are some stocks charge considering the fact that within the broader expertise sector. complete of the three stocks flaunt a Zacks Rank #1 (mighty purchase).

that you can remark the finished list of nowadays’s Zacks #1 Rank stocks here.

long-term profits boom fee for Twitter, Upland utility and Intel is currently pegged at 22.1%, 22% and eight.four%, respectively.

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here's why IBM just sold a $1.eight billion chunk of its application company to the Indian IT trade HCL | killexams.com actual Questions and Pass4sure dumps

One month after IBM introduced its $34 billion strategic acquisition of red Hat, the utility huge revealed a sale of its personal.

IBM introduced late Thursday that it would sell a collection of application items to the Indian IT enterprise HCL for $1.8 billion.

in the deal, IBM will promote seven enjoyable application applications in the collaboration, on-premise advertising, and commerce spaces, which altogether Have an addressable market of $50 billion, the company mentioned. those functions Have been the closing products left over from its acquisition of Lotus, which it purchased for $three.5 billion in 1995.

IBM and HLC already had intellectual-property partnerships on five of those items.

while HCL's stock rate took a 5% souse on Friday following the information, Wall highway changed into a bit greater supportive of IBM's altenative to abandon the property in crave of extra cash and a stronger-margin application portfolio. nonetheless, IBM shares fell more than 3% in buying and selling on Friday, notwithstanding the stock become still buying and selling above its low for November.

"We like that IBM continues to sell its non-core software product lines," the usanalyst John Roy wrote.

The utility suite become a section of IBM's Cognitive options, a segment that comprises IBM Watson fitness and other synthetic-intelligence companies — and which has viewed profits declines. The company talked about it expected to peer this segment enrich its salary increase after the sale.

Cognitive solutions brought in $four.15 billion in the third quarter of 2018 , down 6% from the identical duration in 2017. Its margins declined through 2.7% within the identical duration, in line with the company filing.

IBM has completed similar deals every year over the past 14 years

In a blog submit on Friday, IBM explained the sale to traders as being a section of a propel towards a "excessive-price mannequin," which virtually capacity the trade would relatively invest in better-yield rising areas equivalent to AI, cloud, and blockchain than work out a fashion to assist its declining corporations grow.

examine greater: IBM changed into dropping the cloud wars — here's why Wall street thinks its $34 billion pink Hat acquisition will change that

"providing a high-price model additionally requires ongoing funding prioritization, for the intuition that elements comparable to market elegance, differentiation, and significance to IBM's built-in mannequin," the trade talked about within the publish.

but this fashion is never fresh for IBM. Roy, the usanalyst, wrote that IBM had similarly sold off some of its utility portfolio over every of the previous 14 years. complete of those offers, he pointed out, were valued at $740 million to $1.6 billion.

bottom line: it be no longer about crimson Hat

IBM's $34 billion acquisition of pink Hat in October has created some redundancies in the enterprise's portfolio, but it's no longer why this sale is occurring, Roy wrote.

A "capabilities issue" for IBM is that as soon as the acquisition closes, there can be some overlap between middleware products, akin to IBM's WebSphere and pink Hat's JBoss product lines, he observed — however that risk would not accommodate any of the products that it sold off to HCL.

as an alternative, united states of americaviews this as an smooth sale of underperforming utility products, as it refocuses on the profitable stuff.

"Mixing away from under-performers is only first rate enterprise," Roy wrote.


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P2050-003 exam Dumps Source : IBM Commerce Solutions Selling Technical Mastery Test v1

Test Code : P2050-003
Test title : IBM Commerce Solutions Selling Technical Mastery Test v1
Vendor title : IBM
: 25 actual Questions

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How Can Brands ‘Converge’ Ad Tech And Mar Tech? | killexams.com actual questions and Pass4sure dumps

"Brand Aware” explores the data-driven digital ad ecosystem from the marketer's point of view.

Today's column is written by Tony Ralph, director of data and marketing technology at Intuit QuickBooks.

With at least one notable exception, nearly complete researchers predict the inevitable convergence of the mar tech and ad tech ecosystems.

Predictions aside, as a technologist working within and between these two worlds, I can remark definitively that it is the exception when they find solutions that gracefully blend the data and performance advantages of each, not the rule.

This is unfortunate since it should be their obligation to provide prospects and customers with digital experiences that are graceful, consistent and harmonious across both paid and owned media.

When they find that dollars, data and platforms are bifurcated across these two realms, how can brands present a holistic and unified user journey experience?

Bringing Ad Tech Data Science To Mar Tech

Ad tech spans the systems used to optimize a potentially global dialogue between businesses and their customers via paid media. With great budgets and vast volumes of data, the space has evolved to encompass a world of real-time bidding, profound algorithmic exploration and optimization at scale via machine learning.

I’ve personally participated in rigorous experimentation that has shown that for long-running campaigns, simple machine learning, on the smartest platforms, regularly outperforms manual targeting and optimization. In the ad tech world, today’s contest of man vs. machine learning is tipping in favor of the machine.

Mar tech platforms, on the other hand, Have evolved in a manner that relies on defining targeting and segmentation rules in forward of initiating a campaign. These rules are often operationally challenging to setup, test and debug.

Thus, introducing machine learning into the mar tech realm has the potential to enhance optimization and streamline day-to-day operations. In fact, early returns for campaigns I’ve been involved with prove significant date increases relative to static rules-based campaigns, as well as ease in configuration.

Challenges to this approach may embrace finding resources that are abundant in the ad tech world: data and data scientists. In the case of mar tech, we’ve institute that there may not be enough scale or allegiance of data to drive modeling exercises efficiently. However, within the mar tech realm, one can often supplement basic interactivity data such as opens and clicks with information gleaned from customers via web and product interactions or even event-level data from the ad tech space.

It is not uncommon for mar tech teams to operate in-house, whereas ad tech’s historical complexity often compels teams to work with agencies. However, it is not as common to allocate data scientists to mar tech teams. I would recommend committing data science efforts to mar tech in the same way they Have been deployed in ad tech space. Aside from the modeling exercises, brands will likely find that enhanced reporting and analytics is a speedy follow with this mindset shift.

Bringing Mar Tech First-Party Data To Ad Tech

Mar tech entails working with a much smaller number of known customers, contacts or leads. Rather than paid media, mar tech generally involves first-party experiences such as email or mobile campaigns, web experiences or offer programs.

As opposed to mar tech, where I suggest an increase in data science investment, it’s time to confront the opposite trend in ad tech.

As an avid ad tech hacker, I remark this with some sense of regret. I feel nostalgia for the rooms packed with armies of people optimizing keyword bids, structure in-house bidders and conducting nuanced bid-optimization testing. Alas, we’re finding these approaches are becoming less and less justifiable from an ROI perspective due to the plane of machine-learning investment by the huge ad tech platforms.

We shouldn’t, however, just turn over the keys entirely to platform partners. The strategy evolves to ensuring brands are setting arrogate conversion goals and supplementing the modeling with high-fidelity feedback in the figure of their first-party data. This mastery of first-party data and customer segmentation is precisely the domain that mar tech teams Have been refining for years.

In short, just as mar tech tactics can be enhanced with the data science approach they find in ad tech, the data and systems that drive mar tech efficiency can be extended as feedback loops to optimize ad tech campaigns. More importantly, this cross-pollination compels marketing and advertising teams to integrate tactics and harmonize campaigns that were once partitioned.

Imagine traditional mar tech campaigns across web, email or product experiences not dictated by targeting founded on static rules but infused with modeling output from an ad tech data science team. At the same time, ad tech campaigns might be seeded with high-value audiences, bidding influenced by lifetime-value indices or optimization algorithms fueled by circumstantial conversion data supplied via your internal mar tech tools and teams.

These opportunities are available to brands today with no requisite to wait for vendors to travel down the arduous road toward convergence, which has many technical and governance challenges. What may be more intriguing is how many brands handcuff themselves organizationally by splitting budgets and teams across paid and owned media. When the focus is on tactics and channels, this outcome is smooth to derive.

However, when the focus is on unifying the holistic user journey for customers, brands may arrive at a different outcome. With this approach, the most profound convergence may be breaking down silos within teams and organizations to create a world where paid and owned tactics work in unison to deliver a brand dialogue that is brilliant and unified across every digital touch point.

Follow Intuit QuickBooks (@QuickBooks) and AdExchanger (@adexchanger) on Twitter.


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PCI DSS questions answered: Solutions to tough PCI problems | killexams.com actual questions and Pass4sure dumps

During their recent virtual seminar, PCI DSS 2.0: Why the latest update matters to you, experts Ed Moyle and Diana...

Kelley of SecurityCurve were unable to respond complete of the PCI DSS questions they received during their live question-and-answer session. SearchSecurity.com has asked them to give brief responses to each of the unanswered questions, and we've published those questions and responses below to abet you solve your unique PCI problems.

For additional information about the Payment Card Industry Data Security Standard, visit SearchSecurity.com's PCI DSS resources page.

  • Where can they find information about PCI DSS compliance that is focused on those of us who are "Mom & Pop" shops?Since most small organizations plunge into the self-assessment category, a mighty resource is the Security Standards Council SAQ (Self-Assessment Questionnaire) section. Specifically these documents:

    SAQ main page

    PCI DSS SAQ instructions and guidelines

    SAQ: How it complete fits together

    SAQ A-D and Guidelines

  • It seems the necessity of PCI compliance hasn't fully penetrated the Asian markets. attain you Have any suggestions on how to achieve compliance for companies who attain trade in Asia, where adjusting to PCI standards aren't a priority?Companies should be compliant regardless of where the payment information is stored, processed or transmitted. Even if processors in a particular locale aren't as focused on the standard, the companies (merchants/retailers) with operations in those locales should implement the same controls as they attain in other areas of the globe.

  • If card data is entered via the virtual terminal of a third-party on a desktop PC where wireless is not enabled, attain I requisite wireless scans?All wireless networks within the CDE (cardholder data environment) requisite to be scanned pursuant to the PCI DSS wireless guidelines provided by the Council. If audit and test findings confirm there is no wireless on the virtual terminal and there is no wireless within the CDE, additional scans are not required (for example, note that the wireless scanning requirement is not addressed in SAQ C-VT specific to virtual terminal-only environments). Note, however, that if you expend other devices beyond just the virtual terminal to store/process/transmit cardholder data (such as a PoS on your network), you will Have to scan.

  • Is there a standard for isolating non-compliant custom systems that attain not Have a newer PCI-compliant version available? Let's assume this would be a software package without encryption in its database.There are two standards for payment software – the PA DSS for commercial software and the PCI DSS for commercial software with significant customization and custom software. If the custom software is saving PANs in an unencrypted format, it is non-compliant with PCI DSS. The best options are to stop saving the PANs and expend an alternative -- like masking, tokens or other unique identifier -- or find a way to encrypt the PAN data before it enters the database. If this is not possible, create a document explaining why, list compensating controls (such as increased monitoring and access control) and achieve in status a road map for mitigating or eliminating the problem. Although the compensating controls/road map will not imply a fully compliant RoC or SAQ, it does prove profitable faith on the section of the company to work towards correcting the problem.

  • In terms of a policy strategy, should an enterprise's existing information security policies be amended to embrace PCI requirements, or attain the requirements requisite to be addressed in PCI-specific policies?In most cases the CDE (cardholder data environment) under PCI is a very small portion of the network and should be clearly zoned off from the rest of the corporate network activities. As a separate section of the network, a unique policy (or policy set) should apply for that zone. So PCI-specific policies should exist. However, parts of existing policy – for specimen strong password controls and reset – can be re-used in the PCI-specific policies where applicable.

  • Regarding encryption in requirement 3, if the decryption key is not present in the cardholder environment, is the system out of the scope of PCI?In the FAQ section of the Council site it states: "Encrypted data may be deemed out of scope if, and only if, it has been validated that the entity that possesses encrypted cardholder data does not Have the means to decrypt it." So if the entity does not Have the key, that data may be deemed out of scope.

  • Does PCI require verification that there are no rogue wireless access points that may Have connected to the POS network?Yes. From the Council's Wireless Guidance: "These are requirements that complete organizations should Have in status to protect their networks from attacks via rogue or unknown wireless access points (APs) and clients. They apply to organizations regardless of their expend of wireless technology and regardless of whether the wireless technology is a section of the CDE or not." And, "The purpose of PCI DSS requirement 11.1 is to ensure an unauthorized or rogue wireless device introduced into an organization's network does not allow unmanaged and unsecured WLAN access to the CDE. The intent is to obviate an attacker from using rogue wireless devices to negatively impact the security of cardholder data. In order to combat rogue WLANs, it is acceptable to expend a wireless analyzer or a preventative control such as a Wireless Intrusion Detection/Prevention System (IDS/IPS) as defined by the PCI DSS."

  • Where is cataclysm recovery and trade continuity planning covered in the PCI DSS requirements, or is it?Disaster recovery and BCP are not explicitly called out in the 2.0 version of PCI DSS; however, incident response planning is. "12.5.3 - Establish, document, and distribute security incident response and escalation procedures to ensure timely and effectual handling of complete situations." moreover in the Penetration Testing supplement it states: "Perform testing in accordance with censorious company processes including change control, trade continuity, and cataclysm recovery." And, in the Application Reviews and Web Application Firewalls Clarified it states: "Adhere to complete policies and procedures including change control, trade continuity, and cataclysm recovery."

  • Would you define "scope" as the geographical belt of the PCI servers? Or would you define "scope" as the SAQ requirements? It seems at times they are used interchangeably.The scope of the audit surface is the cardholder data environment (CDE). The CDE is "The people, processes and technology that store, process or transmit cardholder data or sensitive authentication data, including any connected system components." So any system component in the CDE is in scope regardless of geographic location.

  • Shared accounts are prohibited according to PCI DSS as I understand it, but imagine if you Have your network outfit management outsourced and the firewalls and switches for the cardholder environment are managed by a third party or a service supplier. In this scenario, you would requisite two-factor authentication for administrative access to the CHE, but what if the service provider/supplier has several technicians and you are using RSA tokens? attain you Have to supply one authentication account and one RSA token per technician? Or is it necessary only to supply one account and one RSA token for the service provider/supplier? You're perquisite that shared accounts are prohibited by PCI DSS; Requirement 8 states: "Assign a unique ID to each person with computer access." Strictly speaking, to be compliant, a unique ID and two-factor token would requisite to be assigned for each person remotely administering the firewalls and switches.

  • Can you speak to some of the feedback you Have received from clients who Have implemented a tokenization product, including some of the key areas to focus on when selecting a vendor?We've received positive feedback from companies that expend tokenization in the CDE to reduce scope. One that they spoke to and Have mentioned publicly is Helzberg Diamond Shops, Inc.. However, they caution that to be completely effective, organizations requisite to moreover address scope reduction and zoning, document the tokenization implementation so it can be reviewed during audit, and confirm with your acquirer/processor that tokenization is acceptable. For vendor selection, the Council is working on tokenization guidance, but Visa Inc.has already issued its recommended guidance, Tokenization Best Practices.
  • Speaking from a university standpoint, they hoist credit cards in many ways -- POS, Internet, MOTO – but they expend only PA-DSS applications and they are hosted by a service provider, so they attain not store any CHD. Their CHDE is really the PCs (and network) where the card data is entered or swiped. They Have segmented complete system components (PCs where CHD is entered or swiped) away from their regular network. It appears that many of the PA-DSS requirements are in reference to "stored" credit card data. Can you give me some counsel on how to determine how much of the requirements apply to us given that they attain not store CHD? They Have secured complete components that Have CHD entered and they are running PA-DSS-compliant applications.Sounds like you've done a lot of mighty scoping work. The PA-DSS applies to applications, but entities still requisite to be PCI DSS compliant. Since your applications are already PA-DSS compliant, focus instead on what matters to your university, which is attesting to PCI DSS compliance. If your transactions levels qualify you for self-assessment review, the self-assessment guidelines (please remark question 1 for more information) and determine which one applies and complete that. In general, if you plunge under multiple SAQs your acquirer/processer will want you to complete SAQ –D. However, to be sure, check with your acquirer/processor to confirm.
  • Can you offer counsel on what to scrutinize for in an internal audit and reporting product for PCI DSS compliance?There are multiple audit and reporting tool types that can be used in PCI DSS compliance. For example, a penetration testing system will return reports on vulnerabilities and exposures in the CDE, while a patching system will return reports on patch information, both of which apply. In many cases, when organizations Think about a meta-console for reporting, it is a log or event/information aggregation console that brings together multiple reporting components for expend in PCI DSS compliance work. For any tool, scrutinize for the ability to check for issues specific to PCI DSS (ex: password policy on servers and applications in the CDE) and report on these in a template that maps the finding to the specific requirement.

  • I Have a question about PCI and the cloud. They are a PCI plane 1 merchant. They are thinking of moving their data focus to cloud, Amazon to be specific. They understand that Amazon is PCI plane 1 compliant. Is it really workable to be a PCI-compliant plane 1 merchant in a cloud environment? attain you Have any guidance regarding PCI in a cloud environment?Amazon.com Inc. (Amazon Web Services – AWS) is, as of this writing, a PCI DSS Validated Service Provider. However, using AWS, or any Validated Service Provider, does not eradicate the requisite to entity using the service to be PCI DSS compliant . As Amazon notes, "All merchants must manage their own PCI certification. For the portion of the PCI cardholder environment deployed in AWS, your QSA can rely on their validated service provider status, but you will still be required to fill complete other PCI compliance and testing requirements that don't deal with the technology infrastructure, including how you manage the cardholder environment that you host with AWS." So while a cloud provider can be third party validated as a PCI DSS provider, this doesn't imply they're certified to PCI or that entities using the service are automatically certified.

    If you are going to host some or complete of your CDE in the cloud, attain so with a compliant provider. However, don't forget to annually check that the provider is remaining compliant with your CDE, as well as the parts of your CDE that are hosted in the cloud. Additionally, according to the PCI Security Standards, your RoC must "document the role of each service provider, clearly identifying which requirements apply to the assessed entity and which apply to the service provider." And:

    "12.8 – If cardholder data is shared with service providers, maintain and implement policies and procedures to manage service providers, to embrace the following:

    12.8.1 – Maintain a list of service providers.

    12.8.2 –Maintain a written agreement that includes an acknowledgement that the service providers are amenable for the security of cardholder data that the service providers possess.

    12.8.3 - Ensure there is an established process for engaging service providers including proper due diligence prior to engagement.

    12.8.4 - Maintain a program to monitor service providers' PCI DSS compliance status at least annually"

  • In endeavor to ensure PCI compliance, they Have a number of different products from different vendors, since there does not seem to be one replete PCI compliance "solution." Is this by design? Is there any handicap to having each requirement met by a different vendor's product?There are a number of components in PCI compliance and they encompass people, process and technology, and span both the physical and the logical. Also, complete of the documentation related to policies and process. It would be extremely difficult (arguably impossible) for a single solution to attain it all. The reality is that organizations expend a number of different vendor solutions for the technical controls.

    Some vendors provide products that meet different controls. For example, a vendor with a log aggregation or SIEM tool that moreover sells antivirus/malware or patch management. The huge win is not necessarily to Have complete tools (or many tools) from the same vendor, but to be able to bring together reporting, logs, test and monitoring information in a centralized status to compose oversight and compliance monitoring more comprehensive and efficient.

  • How can companies deal with convene recordings in the convene focus when taking card payments by phone? Are there any mitigating factors?Because there is not a lot of convene focus guidance in the PCI DSS, the Council addressed convene focus issues in a special FAQ #5362. "The Council's position remains that if you can digitally query sensitive authentication data (SAD) contained within audio recordings - if miserable is easily accessible - then it must not be stored."

    Though this is not hosted on the PCI Security Standard Council Domain -- it is the official FAQ for the Council and can be accessed directly by clicking in the FAQs link at the top of the official Council page.

    Also, gladden remark question below for additional information on storage rules regarding sensitive authentication data (SAD).

  • Our call-recording solution requires manual intervention to bleep out the CV2 number. Is this sufficient as a compensating control to meet the standard?

    If the CV2 (or any other sensitive authentication data/SAD) is not stored, this should meet the standard. Document how the manual process is implemented to ensure miserable is truly being deleted and not stored.

    Alternately, according to PCI Security Standards Council FAQ "If these recordings cannot be data mined, storage of CAV2, CVC2, CVV2 or CID codes after authorization may be permissible as long as arrogate validation has been performed. This includes the physical and logical protections defined in PCI DSS that must still be applied to these convene recording formats."

  • If you Have backups of credit card data in a secure location, is that a violation? How can it be mitigated?It's not a violation -- it is section of a requirement! Requirement 9.5 explicitly states: "Store media back-ups in a secure location, preferably an off-site facility, such as an alternate or back-up site, or a commercial storage facility. Review the location's security at least annually." recollect to compose sure the data was encrypted before it was backed up and that the personnel at the facility attain not Have the key to decrypt the data.

  • What are the rules for external scanning?External scanning is covered in Requirement 11.2.2 – "Perform quarterly external vulnerability scans via an Approved Scanning Vendor (ASV), approved by the Payment Card Industry Security Standards Council (PCI SSC).

    Note: Quarterly external vulnerability scans must be performed by an Approved Scanning Vendor (ASV), approved by the Payment Card Industry Security Standards Council (PCI SSC). Scans conducted after network changes may be performed by internal staff." 

    See the PCI Security Standard for a list of ASVs

    Also helpful is the ASV Program Guide, and the ASV Client Feedback Form

  • PCI 2.0 lightly touches upon virtualization for the first time. Does this extend beyond virtual machine images to virtual appliances (e.g. expend of virtual firewalls & virtual switches in hosted products)?Yes, according to the Scope of Assessment for Compliance it does extend to virtual appliances. "System components" in v2.0 include, "any virtualization components such as virtual machines, virtual switches/routers, virtual appliances, virtual applications/desktops, and hypervisors." moreover note that virtualization is mentioned in Requirement 2.2.1: Implement only one primary function per server, "Note: Where virtualization technologies are in use, implement only one primary function per virtual system component."

  • Is a system that is not holding the cardholder data, but only processing it (like a Web farm) a section of PCI audit requirements?Yes, if a system component stores, processes or transmits cardholder data or sensitive authentication data, it is section of the CDE and within scope of the PCI DSS audit. For additional guidance, refer to the Scope of Assessment for Compliance with PCI DSS requirements section of PCI DSS v2.0.

  • When attain companies Have to switch over to PCI 2.0?For the absolute final word on compliance deadlines, check with your acquirer or specific card brand. In general, however, v2.0 went into effect on January 1, 2011 and there is a year to comply with the fresh standard. If you are in the middle of an assessment cycle that started in 2010 and the compliance assessment will be completed before the conclude of 2011, you can continue the process with v1.2.1. If you a starting a fresh assessment cycle in 2011, expend v2.0.

  • If an organization has filled out the self assessment questionnaire (SAQ) and identified that it has not complied with the 12 DSS requirements, should the SAQ still be submitted? Or should the organization wait until the 12 requirements Have been satisfied?Before admitting defeat, remark if there is any way your organization can come by to be compliant. Don't forget, if a non-compliant system or process is not essential, it could be scoped out of the CDE and out of the compliance surface. moreover don't forget about compensating controls. The pattern is to be fully compliant, but compensating controls provide a way for organizations to be mitigating risks as they work towards implementing better controls.

    According to the Compensating Controls Appendix B in SAQ D v2.0: "Compensating controls may be considered for most PCI DSS requirements when an entity cannot meet a requirement explicitly as stated, due to legitimate technical or documented trade constraints, but has sufficiently mitigated the risk associated with the requirement through implementation of other, or compensating, controls." Also, there is a compensating control worksheet that needs to be completed in Appendix C of the SAQ D v2.0.

    If de-scoping the non-compliant system and compensating controls are not options, then you will requisite to check the "Non-Compliant" box on the SAQ and achieve in a target date for compliance. In most cases, your acquirer/processor will want to remark this proof, and possibly query your organization to fill out the "Action Plan" section of the SAQ; however, check with your acquirer/processor to be sure.

  • Let's talk about the mythical beast that is end-to-end encryption. Does it exist? More specifically, one of their audience members asked, "What if end-to-end encryption from the pin pad / card swipe POS is implemented? Does that hoist everything out of PCI scope?"The Council is calling this P2PE for point-to-point encryption. acceptation turning the cardholder data into ciphertext (encrypting it) and then transmitting it, encrypted to a destination, for example, the payment processor. If the P2PE begins on swipe by cashier of the credit card at the PoS (point of sale) and continues complete the way to the processor, it is not stored, and no one in the interim path has the keys to decrypt the data, then it could reduce the scope of the audit surface significantly. Caveats here are that everything will requisite to be implemented correctly, validated and tested. However, note that the entity still must be PCI DSS compliant – though compliance may be greatly simplified. And, at this time, the PCI Security Standards Council still deems P2PE an emerging technology and is formalizing official guidance, training QSAs on how to evaluate germane P2PE components, as well as considering creating a validated list of P2PE solutions. For more information on the status of P2PE, gladden read the Initial Roadmap: Point-to-Point Encryption Technology and PCI DSS Compliance program guide.

  • Under what circumstances can an internal audit certify a merchant as being PCI compliant?If the merchant qualifies for SAQ completion, internal audit can be amenable for the assessment and attestation process. "Each payment card brand has defined specific requirements for compliance validation and reporting, such as provisions for performing self-assessments and when to engage a QSA."

    If the merchant must complete a RoC, it is workable to attain the on-site assessment with an internal resource if the brand allows it. Check with your brand for specifics, Mastercard Inc., for example, has deemed that as of June 30, 2011, the "primary internal auditor staff engaged in validating PCI DSS compliance [must] attend PCI SSC ISA Training and pass the associated accreditation program annually."

  • What PCI and security implications attain you anticipate arising with the fresh generation of contact-less cards, given that they are now being widely distributed?If the data can be transmitted in a secure encrypted format over the RF from the contact-less card to a secure endpoint, the data should not be exposed. However, if the data from the card is in clear-text over the air, sniffing attacks will be a major concern. Also, key management and MiTMs may be problems depending on specific technical implementations.

  • Are quarterly penetration tests still required for wireless access points that are using WPA-2?Yes, quarterly tests are required. Requirement 11.1 covers complete known/unknown wireless access points regardless of protections on them. "11.1 - Test for the presence of wireless access points and detect unauthorized wireless access points on a quarterly basis." The intuition for this is that one of the intents of this requirement is to ensure there are no rogue devices in the CDE.

  • Does Citrix sessioning between payment apps and hosted sites provide sufficient encryption for PCI compliance?If the session is configured to transmit the data between the payment apps and the hosted site using an approved fashion (ex: SSL/TLS ) then it should be compliant for at least the transmission portion of the standard.

    Requirement 4.1 -- "Use strong cryptography and security protocols (for example, SSL/TLS, IPSEC, SSH, etc.) to safeguard sensitive cardholder data during transmission over open, public networks."

  • How much are organizations spending on PCI compliance? Can you provide a sweep both for one-time costs and annual maintenance?There are two sides to this coin: cost of the audit and cost of compliance overall.
  • Audit cost: According to a recent Ponemon survey on PCI DSS trends (.pdf), the mediocre cost of the audit itself is $225,000 for the largest (Tier 1) merchants, but the cost can sweep much higher or lower depending on complexity of the environment, size of the CDE, and other factors .

  • Overall cost of compliance: In 2008, Gartner conducted a survey of 50 merchants and institute that PCI costs had been increasing since 2006 (Gartner.com registration required) and cited costs averaging 2.7M for Tier 1 merchants, 1.1M for Tier 2, and 155k for Tier 3. Again, these are averages, so your particular case might be different.
  • Requirement 2.2.1 mandates that censorious servers provide a single-purpose service. If I Have a single server hosting an e-commerce application with a Web server and database residing on a physical server, attain I requisite to status the database on a separate server?Yes, in most cases. Requirement 2.2.1 – "Implement only one primary function per server to obviate functions that require different security levels from co-existing on the same server." The intent of this requirement is to provide some protections if the underlying host, in this case the operation system running the database and e-commerce application is breached, causing one or both of the services to be exposed to attack. VMs are now allowed, so the same piece of hardware could be used with a hypervisor to separate the two services across two VMs. Alternately, if there is a censorious trade need, such as performance, for both primary functions to be on the same server, reckon if this justifies a compensating control by completing the compensating control worksheet (Appendix C of the PCI DSS).
  • About the author:Ed Moyle is currently a manager with CTG's Information Security Solutions practice, providing strategy, consulting, and solutions to clients worldwide as well as a founding ally of SecurityCurve.

    Diana Kelley is a ally with Amherst, N.H.-based consulting solid SecurityCurve. She formerly served as vice president and service director with research solid Burton Group. She has extensive taste creating secure network architectures and trade solutions for great corporations and delivering strategic, competitive lore to security software vendors.



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    References :


    Issu : https://issuu.com/trutrainers/docs/p2050-003
    Dropmark : http://killexams.dropmark.com/367904/11445781
    Wordpress : http://wp.me/p7SJ6L-hj
    Scribd : https://www.scribd.com/document/356951720/Pass4sure-P2050-003-Braindumps-and-Practice-Tests-with-Real-Questions
    weSRCH : https://www.wesrch.com/business/prpdfBU1HWO000XSVW
    Dropmark-Text : http://killexams.dropmark.com/367904/12025402
    Youtube : https://youtu.be/NzEyqGe4vvE
    Blogspot : http://killexams-braindumps.blogspot.com/2017/10/pass4sure-p2050-003-ibm-commerce.html
    RSS Feed : http://feeds.feedburner.com/JustStudyTheseIbmP2050-003QuestionsAndPassTheRealTest
    Vimeo : https://vimeo.com/241758351
    publitas.com : https://view.publitas.com/trutrainers-inc/just-memorize-these-p2050-003-questions-before-you-go-for-test
    Google+ : https://plus.google.com/112153555852933435691/posts/6on7rToZtWz?hl=en
    Calameo : http://en.calameo.com/account/book#
    Box.net : https://app.box.com/s/ueh574wao8zmpmq8edqk6cx4g9lo7dqg
    zoho.com : https://docs.zoho.com/file/5ce0z4958dc84a72a40fb9b527926543aea4f
    coursehero.com : "Excle"






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