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AQSA EXAM ~200~ QUESTIONS WITH VERIFIED ANSWERS
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AQSA EXAM ~200~ QUESTIONS WITH VERIFIED ANSWERSMalware - ANSWER Criminals utilize malicious software to enter computer
systems and steal payment data.
Phishing - ANSWER An attack that sends an email or displays a Web notice that
falsely claims to be from a genuine organization in an attempt to deceive the victim
into providing confidential information.
Criminals can get access to systems that store, process, or send payment data using
inadequate remote access controls.
Weak Password - ANSWER A password that is readily cracked and undermines
security.
ANSWER: Criminals seek for obsolete software to exploit holes in unpatched
systems.
Sniffer attacks, which infect e-commerce websites with malicious code, are
extremely difficult to detect.
ANSWER: Physical skimming is the process of obtaining cardholder data by
adding small hardware devices to POS systems.
Importance of Securing Payment Account Data - ANSWER: Cardholders may be
liable for unauthorized charges.
Merchants may incur fines, legal fees, and reputational damage.
- A negative influence on consumer trust and confidence.
- Loss of revenue and market share
,How Payment Security Protects the Industry - Answer: Prevents Financial Losses
- Builds customer trust.
- Maintains reputation.
Types of Data on a Payment Card - Answer: Chip
- Card Verification Code.
- Primary Account Number (PAN).
Expiration Date
- Magnetic strip
- Signature Strip.
- Card Verification Code.
Account Data That Can Be Stored After Authorization: Primary Account Number
(PAN)
- Cardholder's Name
Expiration Date
- SERVICE CODE
Account Data That May Not Be Stored After Authorization - FULL TRACK
DATA
- Card Verification Code.
- Pin/Pin Block
,Cardholder - ANSWER Is the client purchasing from the merchant? This may be a
card-present or card-not-present transaction.
Merchant - ANSWER Is the organization that accepts payment from the cardholder
during a purchase. The merchant transmits payment transaction data to their
acquirer.
Acquirer - ANSWER sends payment transaction data over the payment network to
the issuer.
Payment Brand Network - ANSWER facilitates payment transactions between the
merchant's acquirer and issuer.
Issuer - ANSWER Provides the card to the cardholder. Every time the cardholder
makes a purchase, the issuer notifies the merchant's acquirer whether the
transaction has been authorized or denied.
Third-party service providers are companies or organizations that directly process,
store, or transmit payment account data on behalf of another entity.
Authorization Process: ANSWER 1. Cardholder
2. Merchant
3. Acquirer
4. Payment Brand Network
5. Issuer
, Clearing Process: ANSWER 1. The acquirer submits purchase information to the
Payment Brand Network.
2. Payment Brand Network transmits information to the issuer.
3. Issuer confirms, and Payment Brand Network returns completed transaction data
to the acquirer.
Settlement Process: ANSWER 1. The issuer identifies the acquirer through the
Payment Brand Network.
2. Issuer sends payment to the acquirer.
3. The Acquirer pays the merchant the money.
4. Issuer invoices the cardholder.
ANSWER: PCI Security Standards Council
ANSWER: The PCI Security Standards Council is in charge of developing and
managing the Payment Card Industry Security Standards, particularly the PCI Data
Security Standard.
ANSWER: PCI Data Security Standard
PCI Data Security Standard: ANSWER Technical and operational standards
required to secure payment account data.
- Required for every entity that stores, processes, and transmits data.
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