+98 straipsnis Techniniai reguliavimo standartai, susiję su autentiškumo patvirtinimu ir ryšių palaikymu
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98 straipsnis Techniniai reguliavimo standartai, susiję su autentiškumo patvirtinimu ir ryšių palaikymu

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1. Apžvalga

,
98 straipsnis 1.

EBI, glaudžiai bendradarbiaudama su ECB ir pasikonsultavusi su visais atitinkamais suinteresuotaisiais subjektais, įskaitant mokėjimo paslaugų rinkos subjektus, atstovaujančiais visiems susijusiems interesams, parengia techninių reguliavimo standartų projektus, skirtus mokėjimo paslaugų teikėjams, kaip nustatyta šios direktyvos 1 straipsnio 1 dalyje, pagal Reglamento (ES) Nr. 1093/2010 10 straipsnį, kuriuose konkrečiai nurodoma:

a) 

griežto kliento autentiškumo patvirtinimo, nurodyto 97 straipsnio 1 ir 2 dalyse, reikalavimai;

b) 

97 straipsnio 1, 2 ir 3 dalių taikymo išimtys, grindžiamos kriterijais, nustatytais šio straipsnio 3 dalyje;

c) 

reikalavimai, kuriuos turi tenkinti saugumo priemonės pagal 97 straipsnio 3 dalį, siekiant apsaugoti mokėjimo paslaugų vartotojų personalizuotų saugumo požymių konfidencialumą ir vientisumą; ir

d) 

sąskaitą tvarkančių mokėjimo paslaugų teikėjų, mokėjimo inicijavimo paslaugų teikėjų, informavimo apie sąskaitas paslaugų teikėjų, mokėtojų, gavėjų ir kitų mokėjimo paslaugų teikėjų bendrų ir saugių atvirųjų ryšių standartų reikalavimai, skirti identifikavimui, autentiškumo patvirtinimui, pranešimui ir informavimui, taip pat saugumo priemonių įgyvendinimui.
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EBI parengia 1 dalyje nurodytus techninių reguliavimo standartų projektus siekdama:

a) 

priėmus veiksmingus ir rizika grindžiamus reikalavimus mokėjimo paslaugų vartotojams ir mokėjimo paslaugų teikėjams užtikrinti tinkamą saugumo lygį;

b) 

užtikrinti mokėjimo paslaugų vartotojų lėšų ir asmens duomenų saugumą;

c) 

užtikrinti ir išlaikyti sąžiningą visų mokėjimo paslaugų teikėjų konkurenciją;

d) 

užtikrinti technologinį ir verslo modelio neutralumą;

e) 

sudaryti sąlygas plėtoti patogias naudoti, prieinamas ir novatoriškas mokėjimo priemones.
98 straipsnis 3.

1 dalies b punkte nurodytos išimtys grindžiamos šiais kriterijais:

a) 

suteiktos paslaugos rizikos lygiu;

b) 

operacijos suma arba pasikartojimo dažnumu arba abiem;

c) 

operacijos vykdymui naudotu mokėjimo kanalu.
98 straipsnis 4.
EBI 1 dalyje nurodytus techninių reguliavimo standartų projektus pateikia Komisijai ne vėliau kaip 2017 m. sausio 13 d.

Komisijai suteikiami įgaliojimai priimti tuos techninius reguliavimo standartus pagal Reglamento (ES) Nr. 1093/2010 10–14 straipsnius.
98 straipsnis 5.
Pagal Reglamento (ES) Nr. 1093/2010 10 straipsnį EBI peržiūri ir, jei tikslinga, reguliariai atnaujina reguliavimo techninius standartus, inter alia, kad būtų atsižvelgta į inovacijų ir technologinę plėtrą ir Reglamento (ES) 2022/2554 II skyriaus nuostatas.

1.1 Nuorodos

1.2 Nustatyti reikalavimai

1.3 Susiję standartai

2. Nustatyti reikalavimai

Reikalavimai

3. Susiję standartai

Standartai
SCF Secure Practices Alignment Justification

Description

Mechanisms exist to align the organization's Security, Compliance & Resilience Program (SCRP) with one or more industry-recognized frameworks that:
(1) Support external scrutiny; and
(2) Provide defensible justification for secure practices.

Possible Solutions & Considerations

Micro-Small Business (<10 staff) / BLS Firm Size Classes 1-2

∙ Informal alignment with NIST CSF 2.0, SCF CORE Fundamentals, CIS Controls or another framework that meets the organization's needs.

Small Business (10-49 staff) / BLS Firm Size Classes 3-4

∙ Formal alignment with NIST CSF 2.0, SCF CORE Fundamentals, CIS Controls or another framework that meets the organization's needs.
∙ Gap analysis documentation
∙ Written justification for framework choices.

Medium Business (50-249 staff) / BLS Firm Size Classes 5-6

∙ Formal alignment to a framework or metaframework capable of addressing security, compliance and resilience needs.
∙ Documented gap analysis and justification
∙ GRC platform alignment reports (e.g., SCFConnect)

Large Business (250-999 staff) / BLS Firm Size Classes 7-8

∙ Formal alignment to a framework or metaframework capable of addressing security, compliance and resilience needs.
∙ Regulatory mapping evidence packages
∙ GRC platform with framework comparison reporting

Enterprise (> 1,000 staff) / BLS Firm Size Class 9

∙ Formal alignment to a framework or metaframework capable of addressing security, compliance and resilience needs.
∙ External auditor validation
∙ Board-level reporting on framework compliance
∙ GRC platform with automated framework mapping

SCR-CMM

Level 0 Not Performed

Practices are non-existent, based on the inability to demonstrate an implemented and operational capability. A reasonable person would conclude the control is not being performed.

Level 1 Performed Informally

Cybersecurity & Data Protection Governance (GOV) domain capabilities are ad hoc and inconsistent. Capability criteria associated with this control may include:
▪ Policies, standards & procedures associated with GOV domain capabilities provide limited coverage due to the depth and breadth of the existing documentation.
▪ Governance-related activities are decentralized (e.g., a localized/regionalized function) and uses non-standardized methods to implement secure, resilient and compliant practices.
▪ No formal Governance, Risk & Compliance (GRC) team exists. GRC roles are assigned to existing IT/cybersecurity personnel.
▪ Cybersecurity and data protection governance is informally assigned as an additional duty to existing IT/cybersecurity personnel.
▪ Basic procedures are established for important tasks, but are ad hoc and not formally documented.
▪ No formal cybersecurity and/or data protection principles are identified for the organization.
▪ Informal recommendations are leveraged to update existing policies and standards.
▪ The responsibility for developing and operating cybersecurity and data privacy procedures are up to the business process owner(s) to determine, including the definition and enforcement of roles and responsibilities.

Level 2 Planned Tracked

Cybersecurity & Data Protection Governance (GOV) capabilities are requirements-driven, but are not standardized across the entity (e.g., local/regional level consistency). Capability criteria associated with this control reasonably expect the following criteria to exist:
▪ Policies and standards associated with GOV domain capabilities are formally documented and centrally-managed by the entity.
▪ Standardized Operating Procedures (SOP) associated with GOV domain capabilities are documented and maintained by process owners.
▪ IT and/or cybersecurity personnel work with business stakeholders and process owners to appropriately scope and reasonably implement cybersecurity and data protection controls associated with GOV domain capabilities to address applicable statutory, regulatory and/or contractual requirements for Technology Assets, Applications, Services and/or Data (TAASD).
▪ Governance-related controls are primarily administrative and preventative in nature (e.g., policies, standards and procedures & guidelines).
▪ No formal Governance, Risk & Compliance (GRC) team exists. GRC roles are assigned to existing IT and/or cybersecurity personnel.
▪ IT and/or cybersecurity personnel ensure cybersecurity policies and standards are aligned with a leading cybersecurity framework (e.g., SCF, NIST 800-53, NIST 800-171, ISO 27002 or NIST Cybersecurity Framework).

Level 3 Well Defined

Cybersecurity & Data Protection Governance (GOV) capabilities are standardized across the entity for applicability to People, Processes, Technologies, Data and/or Facilities (PPTDF) to ensure consistency for Technology Assets, Applications, Services and/or Data (TAASD). Capability criteria associated with this control reasonably expect the following criteria to exist:
▪ Policies and standards associated with GOV domain capabilities are formally documented and centrally-managed by the entity's Governance, Risk & Compliance (GRC) team, or similar function.
▪ Standardized Operating Procedures (SOP) associated with GOV domain capabilities are well-documented and kept current by process owners.
▪ The entity's Governance, Risk & Compliance (GRC) team, or similar function, is appropriately staffed and supported to implement and maintain GOV domain capabilities to address Minimum Compliance Requirements (MCR) (e.g., applicable statutory, regulatory and/or contractual requirements) and Discretionary Security Requirements (DSR) (e.g., entity-required controls).
▪ Technology is leveraged to enhance the efficiency and accuracy of governance, risk management and compliance operations (e.g., GRC platform).
▪ An implemented and operational capability exists to align the organization's Security, Compliance & Resilience Program (SCRP) with one or more industry-recognized frameworks that:
(1) Support external scrutiny; and
(2) Provide defensible justification for secure practices.

Level 4 Quantitatively Controlled

Utilize SCR-CMM Level 3 criteria definitions:
▪ There are no defined Level 4 criteria, since it is reasonable to assume a quantitatively-controlled process is not necessary to operationalize this control.
▪ While it may be possible to develop “metrics-driven” capabilities for this control, the criteria would be organization-specific to define.

Level 5 Continuously Improving

Utilize SCR-CMM Level 3 or Level 4 (if available) criteria definitions:
▪ There are no defined Level 5 criteria, since it is reasonable to assume a continuously-improving process is not necessary to operationalize this control.
▪ Level 5 capabilities should be considered “world-class” where the control builds on Level 4 capabilities, but are continuously improving through Artificial Intelligence (AI) and/or Machine Learning (ML) technologies.
▪ While it may be possible to develop responsive capabilities for this control through the use of AI and/or ML technologies, the criteria would be organization-specific to define.