ISO TR 13569-2005 Financial services - Information security guidelines《金融服务 信息安全指南》.pdf

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1、 Reference number ISO/TR 13569:2005(E) ISO 2005TECHNICAL REPORT ISO/TR 13569 Third edition 2005-11-15 Financial services Information security guidelines Services financiers Lignes directrices pour la scurit de linformationISO/TR 13569:2005(E) PDF disclaimer This PDF file may contain embedded typefac

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5、rt of this publication may be reproduced or utilized in any form or by any means, electronic or mechanical, including photocopying and microfilm, without permission in writing from either ISO at the address below or ISOs member body in the country of the requester. ISO copyright office Case postale

6、56 CH-1211 Geneva 20 Tel. + 41 22 749 01 11 Fax + 41 22 749 09 47 E-mail copyrightiso.org Web www.iso.org Published in Switzerland ii ISO 2005 All rights reservedISO/TR 13569:2005(E) ISO 2005 All rights reserved iii Contents Page Foreword iv Introduction v 1 Scope . 1 2 Normative references . 1 3 Te

7、rms and definitions. 2 4 Symbols and abbreviated terms . 10 5 Corporate information security policy 11 6 Management of information security Security programme. 18 7 Organization for information security 20 8 Risk analysis and assessment 24 9 Security controls implementation and selection. 25 10 IT s

8、ystems controls 29 11 Implementation of specific controls . 32 12 Miscellaneous . 36 13 Follow-up safeguards. 40 14 Incident handling 41 Annex A (informative) Sample documents 43 Annex B (informative) Web services security analysis example 52 Annex C (informative) Risk assessment illustrated 57 Anne

9、x D (informative) Technological controls 66 Bibliography . 72 ISO/TR 13569:2005(E) iv ISO 2005 All rights reservedForeword ISO (the International Organization for Standardization) is a worldwide federation of national standards bodies (ISO member bodies). The work of preparing International Standard

10、s is normally carried out through ISO technical committees. Each member body interested in a subject for which a technical committee has been established has the right to be represented on that committee. International organizations, governmental and non-governmental, in liaison with ISO, also take

11、part in the work. ISO collaborates closely with the International Electrotechnical Commission (IEC) on all matters of electrotechnical standardization. International Standards are drafted in accordance with the rules given in the ISO/IEC Directives, Part 2. The main task of technical committees is t

12、o prepare International Standards. Draft International Standards adopted by the technical committees are circulated to the member bodies for voting. Publication as an International Standard requires approval by at least 75 % of the member bodies casting a vote. In exceptional circumstances, when a t

13、echnical committee has collected data of a different kind from that which is normally published as an International Standard (“state of the art”, for example), it may decide by a simple majority vote of its participating members to publish a Technical Report. A Technical Report is entirely informati

14、ve in nature and does not have to be reviewed until the data it provides are considered to be no longer valid or useful. Attention is drawn to the possibility that some of the elements of this document may be the subject of patent rights. ISO shall not be held responsible for identifying any or all

15、such patent rights. ISO/TR 13569 was prepared by Technical Committee ISO/TC 68, Financial services, Subcommittee SC 2, Security management and general banking operations. This third edition cancels and replaces the second edition (ISO/TR 13569:1997), which has been technically revised. It also incor

16、porates ISO/TR 13569:1997/Amd 1:1998. ISO/TR 13569:2005(E) ISO 2005 All rights reserved v Introduction Financial business practices have changed with the introduction of computer and network-based technologies. Increased reliance on electronic transactions has heightened the need to manage the secur

17、ity of information and communications technology. Huge amounts in funds and securities are transferred daily by electronic communication mechanisms controlled by security practices based on business policies. The high value and sheer volume of such transactions within an increasingly connected, open

18、 environment exposes the financial industry to potentially severe consequences. Interconnected networks and the increased number and sophistication of malicious adversaries compound this risk with the potential to impact banks and their customers. And when financial transactions involve systemically

19、 important payment systems, these consequences may adversely affect national and global financial markets. The necessity to expand business operations into these environments and to manage risk, demands a strong and effective enterprise information security programme. Financial institutions must man

20、age these programmes in a comprehensive manner, just as they manage risk through well-established business practice and agreements, careful outsourcing of functions, insurance and the use of appropriate security controls. Also they must architect their security programmes to address the changing ris

21、ks and requirements imposed by an expanding national and international legal and regulatory environment. As the Basle accords warn us, operational, legal and regulatory risks can cause or exacerbate credit and liquidity risks. The management of these risks has become central to the information secur

22、ity programme of a financial institution. Each institution must interpret these risks in terms of its own business activities in order to understand its exposure. Careful consideration must be given to operational risks, including fraud and criminal activities, natural disasters and acts of terroris

23、m. Low probability events, such as the tsunami that struck Asia in December 2004 and the September the eleventh, 2001 terrorist attacks on the financial services in New York City, do happen and must be planned for. This Technical Report is intended for use by financial institutions of all sizes and

24、types that need to employ a prudent and commercially reasonable information security management programme. It also gives useful guidance to providers of services to financial institutions, and may serve as a source document for educators and publishers serving the financial industry. The objectives

25、of this Technical Report are: to define the information security management programme; to present programme policy, organization and necessary structural components; to present guidance on the selection of security controls that represent accepted prudent business practice in financial applications;

26、 to inform financial services management of the need to systematically address legal and regulatory risks in their security information management programme. This Technical Report is not intended to provide a single generic solution for all financial service institutions. A risk analysis must be per

27、formed by each organization and appropriate actions selected. This Technical Report provides guidance for conducting that process, not specific solutions. TECHNICAL REPORT ISO/TR 13569:2005(E) ISO 2005 All rights reserved 1 Financial services Information security guidelines 1 Scope This Technical Re

28、port provides guidelines on the development of an information security programme for institutions in the financial services industry. It includes discussion of the policies, organization and the structural, legal and regulatory components of such a programme. Considerations for the selection and imp

29、lementation of security controls, and the elements required to manage information security risk within a modern financial services institution are discussed. Recommendations are given that are based on consideration of the institutions business environment, practices and procedures. Included in this

30、 guidance is a discussion of legal and regulatory compliance issues, which should be considered in the design and implementation of the programme. 2 Normative references The following referenced documents are indispensable for the application of this document. For dated references, only the edition

31、cited applies. For undated references, the latest edition of the referenced document (including any amendments) applies. ISO 9564 (all parts), Banking Personal Identification Number (PIN) management and security ISO 10202 (all parts), Financial transaction cards Security architecture of financial tr

32、ansaction systems using integrated circuit cards ISO 11568 (all parts), Banking Key management (retail) ISO/IEC 11770 (All parts), Information technology Security techniques Key management ISO 15782 (all parts), Certificate management for financial services ISO 16609:2004, Banking Requirements for m

33、essage authentication using symmetric techniques ISO/IEC 17799, Information technology Security techniques Code of practice for Information security management ISO/IEC 18028 (All parts), Information technology Security techniques IT network security ISO/IEC 18033 (All parts), Information technology

34、Security techniques Encryption algorithms ISO 21188, Public key infrastructure for financial services Practices and policy framework ISO/TR 13569:2005(E) 2 ISO 2005 All rights reserved3 Terms and definitions For the purposes of this document, the following terms and definitions apply. 3.1 access con

35、trol functions that limit access to information or information processing facilities, to those persons or applications authorized such access, including physical access controls, which are based on placing physical barriers between unauthorized persons and the information resources being protected,

36、and logical access controls, which employ other means 3.2 accountability property that ensures that the actions of an entity may be traced uniquely to the entity ISO 7498-2; ISO/IEC 13335-1:2004, definition 2.1 3.3 alarm indication of a security violation, or unusual or dangerous condition, which ma

37、y require immediate attention 3.4 asset anything that has value to the organization ISO/IEC 13335-1:2004, definition 2.2 3.5 audit function that seeks to validate that controls are in place, adequate for their purposes, and that reports inadequacies to appropriate levels of management 3.6 audit jour

38、nal chronological record of system activities which is sufficient to enable the reconstruction, review and examination of the sequence of environments and activities surrounding or leading to each event in the path of a transaction from its inception to the output of the final results ISO 15782-1:20

39、03, definition 3.3 3.7 authentication provision of assurance of the claimed identity of an entity ISO/IEC 10181-2; ISO/IEC TR 13335-4:2000, definition 3.1 3.8 authenticity property, as applied to entities such as users, processes, systems and information, that ensures that the identity of a subject

40、or resource is the one claimed 3.9 availability property of being accessible and usable upon demand by an authorized entity ISO 7498-2; ISO/IEC 13335-1:2004, definition 2.4 ISO/TR 13569:2005(E) ISO 2005 All rights reserved 3 3.10 back-up saving of business information to assure business continuity i

41、n case of loss of information resources 3.11 biometric measurable biological or behavioural characteristic that reliably distinguishes one person from another, used to recognize the identity, or verify the claimed identity, of an individual ANSI X9.84:2003 3.12 biometrics automated methods used to r

42、ecognize the identity, or verify the claimed identity, of an individual, based on physiological or behavioural characteristics 3.13 card authentication method CAM concept that allows unique machine-readable identification of a financial transaction card, and that prevents copying of cards 3.14 class

43、ification scheme that separates information into categories, such as fraud potential, sensitivity or information criticality, so that appropriate controls may be applied 3.15 confidentiality property that information is not made available or disclosed to unauthorized individuals, entities, or proces

44、ses ISO 7498-2; ISO/IEC 13335-1:2004, definition 2.6; ISO 15782-1:2003, definition 3.19 3.16 contingency plan procedure that, when followed, allows an organization to resume operations after natural or other disasters 3.17 control see safeguard 3.18 corporate information security policy Policy gener

45、al statement of the intentions and goals of establishing an information security programme 3.19 credit risk risk that a party within the system will be unable to fully meet its financial obligations within the system either when due or at any time in the future CPSS, Core Principles for Systemically

46、 Important Payment Systems 3.20 criticality requirements that certain information or information processing facilities be available to conduct business ISO/TR 13569:2005(E) 4 ISO 2005 All rights reserved3.21 cryptography mathematical process used for encryption or authentication of information 3.22

47、cryptographic authentication authentication based on a digital signature, message authentication code as generated under ISO 16609 with a cryptographic key distributed under ISO 11568, or inferred through successful decryption of a message encrypted under ISO 18033 (coupled with ISO/TR 19038 or ANSI

48、 X9.52) with a key distributed under ISO/IEC 11770 3.23 cryptographic key value that is used to control a cryptographic process, such as encryption or authentication NOTE Knowledge of an appropriate key allows correct decryption or validation of the integrity of a message. 3.24 destruction of inform

49、ation any condition which renders information unusable regardless of cause 3.25 digital signature cryptographic transformation that, when associated with a data unit, provides the services of origin authentication, data integrity and signer non-repudiation ANSI X9.79 3.26 disclosure of information unauthorized viewing or potential viewing of information 3.27 dual control process of utilizing two or more separate entities (usually persons), who are operating in concert, to protect sensitive