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Posts Tagged ‘pci scanning’

Online Business Owners Should Improve Online Conversion Rates

Posted by websiteverification on September 1, 2011

Online business owners everywhere are constantly trying to improve sales and profits.  If you own a business online, you may know that one way you can do this is by improving your conversion rate.  When referring to conversions in online marketing and sales we are referring to when a visitor comes to the website and completes the business owner’s intended action.  Such as, buying something on the website or joining an email list or newsletter.  Ultimately, the conversion occurs when the visitor becomes the customer. The conversion rate is the percentage of visitors who perform the intended action…the percentage who make a purchase or whatever the intended action is.

Finding the online conversion rate for your website is really important if you want to be successful. Conversion rates are a really good way to measure the success of your website and help you see what things may be working and what things aren’t.  There are many things you can do to improve your conversion rate and increase online sales and profits.

Create user reviews about the products or services you offer on your site.  This can accelerate conversion on your website and improve conversion rate.  You may choose to reserve a section or page on your site for previous customer’s reviews. When someone searches for something that you sell, they will be directed to your site to see the reviews.

Produce better substance for your website that clearly targets the conversion goal.  For example, if you are selling clothing online, make sure that you have pictures, text, video, etc. relating to that clothing.  Make certain you add content to your website regarding any special sales or clearance.

Improve your website navigation structure.  If your website is not easy to navigate, visitors will be less likely to continue to visit the site.  Be sure that the way it is structured makes it easy for visitors to browse and find what they want without having to think too much about where to click.

Remember, increasing conversion rate is essential in increasing sales and profits when it comes to an online business.  If you want to increase sales (and who doesn’t?) think about using some of these ideas to improve your conversion rates.  Also, there are some companies that will help you with this and do it for you.  Check them out if you are interested!

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You Can Overcome Website Vulnerabilities That Can Lead to Hacking

Posted by websiteverification on March 18, 2011

All website and online business owners are concerned about the website vulnerabilities that may affect their site.  This is because internet threats are everyone.  One in particular is hacking.  Everyone has heard of computer hacking, but do you really know what can happen to your website if it is hacked? How can you overcome website vulnerabilities that lead to hacking?

Wikipedia describes computer hacking as the practice of changing computer hardware and software to accomplish a function which is outside of the creator’s original purpose.  Essentially, hacking is unlawful use of a computer and its network resources. Crimes such as identity theft, credit card fraud or other computer crimes are often the result of hacking.

Some hackers are technology buffs who enjoy learning how computers work and may even consider computer hacking as a form of art.  However, computer hacking is illegal unless it is done under contract between an ethical hacker and an organization.

Vulnerability scanning is the best way to protect your website from the vulnerabilities that can lead to things like hacking.   It is crucial that you test your website applications on a regular basis to ensure the safety of your computer systems and web data, as well as your customer’s private information. According to the PCI Security Standards, you should have your website and system scanned at least quarterly by an approved scanning vendor.  The vulnerability scans will identify any type of vulnerabilities found in your website so you can fix them.

So if you are doing what you should be and taking the steps to protect your site and overcome website vulnerabilities, then you will look out for computer hackers.

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Avoid Website Vulnerabilities

Posted by websiteverification on November 11, 2010

When you have created your own website, you need to be aware of the risks of website vulnerabilities.  You spend a lot of time producing your website and maintaining it.  You don’t want an attack against your site because most likely, you would have to start all over.  Be sure that your site is not vulnerable to malicious attacks.  Below are listed some of the most prevalent website attacks that you should be aware of.

Cross Site Scripting

Cross site scripting (also known as XSS) has been proven to be the most prevalent threats to websites. XSS happens when one of your web applications gathers malicious data because of an attacker setting it up. Malicious attackers insert client side script into web pages that are viewed by other users.  When the user clicks on a link to your site from another website, instant message, or email message, it attacks your site.  The attacker is then able to gather data from your site, and it can cause major problems. The best way to avoid this is as a user, only open links from web pages that are trusted.  Cross site scripting is one of the most common threats to websites.

SQL Injection

SQL injection attacks are another common website threat. SQL stands for “structured query language”.  An SQL injection attack is when a person places malicious code into the SQL strings of your website.  The producer of the website may accept the code while they are creating their website, not realizing that it is malicious.  It will then cause major problems to the website because the attacker will now have access to website data.  They may change or steal data from your website.

Session Hijacking

Another threat to be sure your website is not vulnerable of is session hijacking.  This is when a valid computer session is exploited.  The attacker is able to take over a web user’s computer session by obtaining the session id and then pretending to be the authorized user.  They can then steal important information from the victim.  Session hijacking may or may not be detectable to the website owner.  But if your website is not responding in the normal or expected way, session hijacking could be a possible cause, so be aware.

So if you are an owner of a website, you need to watch out for these website vulnerabilities.  One of the best ways to get rid of any website vulnerabilities is to have quarterly scans of your website by an approved scanning vendor.

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Another Step to Keep Your Website Safe – Vulnerability Scanner

Posted by websiteverification on February 13, 2010

Vulnerability scanners are one step further than what you already have to keep your website safe.  It is a very important part of website security.  A vulnerability scanner is used by an ASV (authorized scanning vendor) to look for and recognize threats to your computer system. It scans for many different common vulnerabilities on your system and then sends the results to you in a report so you will have the info you need to get it fixed.

I am sure you have all heard about the many threats that are lurking out there on the internet.  Things like malware (spyware, adware), viruses and worms, and internet phishing can cause horrible problems to your computer system and website.  Here is a quick explanation of some of these well known dangers.

Malware (short for “malicious software”) is designed to take over a computer system without the permission of the user.  Malware includes things like spyware and adware.  Spyware can infect computers without their knowledge and steal private information about the user.  Occasionally spyware is concealed within types of adware.  Adware is short for “advertising supported software” and isn’t illegal – which makes people believe it is safe, but that’s not always the case. Computer users should protect themselves against malware by using firewalls and vulnerability scanners.

Computer viruses, as you know, are spread from computer to computer just like a human virus spreads from person to person.   Computer viruses can range in severity; some may cause only somewhat bothersome problems while others can damage your hardware, software or files.  Another threat, worms, is similar to viruses because they spread from computer to computer, but unlike a virus, they can travel without any human action.  Worms use files or data transport on your computer system so they can travel without help.  Always have anti-virus software on your computer and vulnerability scanners to help you avoid these issues.

Internet phishing is the criminal practice of trying to acquire private information such as usernames, passwords, and credit card information from unknowing users.  This happens because those doing the phishing disguise themselves as trustworthy businesses or people. It is normally carried out by email and frequently directs users to phony websites that look identical to real ones the user has visited before.

Now that we have reviewed some of the major threats of the internet, be sure to put in place a vulnerability scanner.

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SSL Certificates Are a Key to Site Security

Posted by websiteverification on January 14, 2010

If you want your site to have the best security possible, SSL is something you need.  And while SSL is super important, you should know that SSL alone is not enough for site security.  Secure Sockets Layer technology secures your online business and your customers will know that they can trust your site.

The way that SSL works is by encrypting the data that is transmitted during a transaction in order to protect the sensitive information from being hacked or stolen.  Encryption means that it scrambles the data and then unscrambles it once it is transmitted.  Each SSL certificate includes unique information regarding that particular certificate owner and then a certificate authority verifies the identity of the certificate owner once it is issued.

If you run a business online and you accept credit cards on your account, you must have SSL. Another reason you need SSL is if you require a login to your site or if you process personal info like addresses, id numbers, etc.

As an online shopper, you might wonder how to be sure the site you are shopping on uses SSL.  They way that you can tell if your info is secure, is that you will notice that “http” is replaced with “https” in the address line.  Also, you will see a small padlock in the status bar at the bottom of the browser window.

SSL is a very critical part of site security if you plan on having a successful online business.  Remember that while it is important to your website it is not enough. The SSL certificate only protects data transfers, not your whole website. Think about other types of site security for the ultimate online business. Things such as third party business verification, privacy policies, and being PCI compliant with pci scanning are also a must!

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Complying with the PCI Data Security Standards is Too Hard and Too Expensive

Posted by websiteverification on July 22, 2009

We all know by now that PCI compliance is necessary, but that doesn’t mean it’s the easiest thing in the world to accomplish.  Many businesses claim that complying with the PCI Data Security Standard is too hard and too expensive.

Understanding and executing the 12 PCI DSS requirements can seem intimidating, especially for small to medium sized businesses. However, these requirements were developed to help protect businesses from being victims of cardholder theft. Even if there was no requirement for PCI compliance, the practices for security found in these standards are steps that every business would want to take anyways to protect sensitive information. Most aspects of the PCI DSS are already a common practice for businesses who want their sites secure. There are many products and services available to help meet the requirements for security and PCI compliance.

When people say PCI is too hard, sometimes what they may really mean is that complying is expensive. But you should know that the business risks and ultimate costs of non-compliance can greatly exceed the cost of implementing PCI DSS.

Non-compliance can be very expensive if not catastrophic. Non-compliance doesn’t just result in costs associated with fines, credit card replacement and audit fees, but also from loss of business reputation and revenue. In fact a recent study stated that 70 percent of the cost of non-compliance was loss of revenue. This is not only a big deal for big companies that are criticized by the media, but may be truly disastrous for small businesses and the result is putting them out of business.

So, if you are one of those people that have ignored PCI compliance, know that it is not worth it.  Complying with the PCI Data Security Standard is a must!

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Identity Theft Can Be Avoided With Vulnerability Assessments

Posted by websiteverification on June 26, 2009

It has been said that identity theft is the largest white collar crime ever in the United States.  As a website owner, you may wonder what you can do to protect your clients.  I am here to recommend that you should definitely have vulnerability assessments done on your website.  A vulnerability assessment is defined as the process of identifying, quantifying and prioritizing the vulnerabilities in a system.  You may have also heard of vulnerability scanning or pci scanning, it is really all basically the same thing.  And it is one of the best ways that you, as an online business owner, can protect the information of your customers.

Criminal identity theft occurs when a thieve gives another person’s name and personal information such as a drivers’ license, date of birth, or Social Security number (SSN) to obtain a job, housing, money, goods, or other services. It’s been reported by the Federal Trade Commission that in the last twelve months 9.93 million people have had some type of identity theft crime committed against them. Victims spend on average $1,200 in out-of-pocket expenses and an average of 175 hours in time and effort to resolve the many problems caused by identity thieves. The scary thing is that it takes a victim on average 12 months before they even realize they have been victimized!

So how can vulnerability assessments help? Having vulnerability scanning conducted by an approved scanning vendor yearly or even quarterly can protect your site and help keep you compliant with the PCI DSS (Payment Card Industry Data Security Standards). Merchants that accept, process or store credit card information on their site, must have the scanning conducted.  Once passing the scan they will receive the official certification that they need to submit to their acquiring bank.  You can be sure that you will avoid penalties and heavy fines, if you are conducting these scans and staying compliant.

It has been proven that merchants who are pci compliant see online orders increase. Why? Because shoppers are more confident in using their credit cards online when they know that the sites they are shopping on are more protected from the risk of identity theft.

Some areas that are tested during a vulnerability assessment are firewalls, server vulnerabilities, virtual private networking (VPN), email configuration, remote access services, web site analysis, modems, and more.

So if you own an online business, don’t take any risks.  Keep your site compliant and safe from identity thieves for the protection of your business and your customers. Start vulnerability assessments now.

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The PCI Standards SAQ

Posted by websiteverification on June 1, 2009

While doing my research into the PCI standards I have come across a term quite often; SAQ.  The acronym stands for Self Assessment Questionnaire. The PCI standards Self Assessment Questionnaire is a tool used to assist merchants and service providers in self-evaluating their PCI compliance.

There are five different versions of the PCI standards SAQ in order to meet various scenarios.  The version that your organization will need to complete depends on how your company handles credit card data. For some businesses, the appropriate questionnaire is short and simple, while for others it is long and technical.  But each questionnaire is divided into six sections that focus on a specific are of security. These are:

  1. Maintain a secure network.
  2. Protect cardholder data.
  3. Maintain a vulnerability management program.
  4. Implement strong access control measures.
  5. Regularly monitor and test networks.
  6. Maintain and information security policy.

While completing the SAQ, merchants have to pass each question in order to be considered compliant with the PCI standards. Failing any question means the merchant or service provider is not compliant. The risk(s) identified by the questionnaire must be remedied and the questionnaire retaken.

The SAQ may seem somewhat complicated, but there are many businesses and websites out there that can help you complete it.  Also, depending on your merchant level, the SAQ may not be enough.  You may need to have an onsite audit completed to certify your PCI compliance.  The best thing to do if you are unsure is to check with your acquirer.

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What’s Wrong With The PCI DSS?

Posted by websiteverification on May 14, 2009

There has been a lot of criticism regarding companies following the PCI DSS as there only form of security. While it is important to have other options for security, following the PCI DSS does work!
clipped from www.tripwire.com

There’s nothing wrong with PCI DSS that cannot be cured by following it

I continue to hear comments that PCI DSS doesn’t work and that it should be modified or even eliminated.
find it interesting that so much fault can be leveled at PCI DSS in light of the facts that Verizon Business puts forth in their 2009 Data Breach Investigations Report. Here are some of their findings after investigating data breaches that compromised 285 million records in 2008 alone:
 81% of the victims were not PCI compliant
The last point—81% of the victims were not PCI compliant—speaks volumes about the spirit, intent and effectiveness of PCI DSS …. if it is treated as security best practice and followed on a daily basis rather than treating it as a checklist that must be passed annually. Until each of the above percentages changes dramatically, I think PCI DSS should be seen as a good security best practice to follow continuously.
Posted by Ed Rarick
  blog it

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Are the Websites you Shop on PCI Certified?

Posted by websiteverification on March 31, 2009

You may have heard a lot about PCI compliance, and maybe you have taken all the steps you need to ensure that your business is PCI certified. But, I have a question for you? Are the websites you are shopping on PCI certified? This is something that is important to you as an online shopper, because you want to make sure that your personal information, such as account numbers, etc. is safe and secure. One way that you can be sure, is if the website you are shopping on is PCI certified.

Just to review, what it means to PCI certified is that the website is complying with all the requirements of the PCI DSS (which stands for Payment Card Industry Data Security Standards). These requirements include things such as building and maintaining a secure network, protecting cardholder data, maintaining a vulnerability management program, regularly monitoring and testing networks, and maintaining an information security policy. Also, the website should be carrying out quarterly or daily PCI vulnerability scans. These scans will scan the website on a quarterly or daily basis in order to make sure that there are no threats or vulnerabilities on the website that would cause customer information to become stolen by hackers and online thieves.

You may be wondering how you can tell if a website that you shop on is PCI certified. The easiest way to tell is by looking for trust seals posted on the website. Trust seals are small images, that when clicked on, will confirm that the website has been verified and has conducted PCI scans. It is important to look for trust seals when shopping online, so that you aren’t putting your personal information in on a site that is not safe from online theft.

So when you shop online, be careful. Do your homework and look for those trust seals that are up to date. You want to be sure that the site you are shopping on is verified by a third party, and is following PCI compliance. Don’t let your personal information fall into the hands of the wrong person. Make sure that you are shopping on websites that are PCI certified.

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