🛡️ Comprehensive Data Security Framework
🔐 Security Commitment
SMRT Payments maintains enterprise-grade security controls to protect customer data, employee information, and business operations. Our multi-layered security approach meets or exceeds industry standards for payment processing, data protection, and regulatory compliance.
1. Technical Security Controls
🔒 Encryption Standards
In Transit: TLS 1.3 encryption for all data transmission
At Rest: AES-256 encryption for stored data
Key Management: Hardware security modules (HSM) for key storage
🗄️ Database Security
Engine: PostgreSQL 16 with advanced security features
Authentication: SCRAM-SHA-256 password hashing
Access Control: Role-based permissions and row-level security
🌐 Network Protection
Firewalls: Multi-layer firewall architecture
VPN Access: Secure remote access for authorized personnel
DDoS Protection: Cloud-based attack mitigation
📱 Application Security
API Security: OAuth 2.0 and JWT token authentication
Input Validation: Comprehensive sanitization and validation
Session Management: Secure session handling and timeout
2. Infrastructure Security
Cloud Platform Security:
- Google Cloud Platform: SOC 2 Type II certified infrastructure
- Network Segmentation: Isolated environments for different service tiers
- Compute Security: Hardened virtual machines with minimal attack surface
- Container Security: Docker containers with security scanning and policies
Physical Security:
- Data Centers: Tier IV facilities with 24/7 physical security
- Access Controls: Biometric and multi-factor authentication for facility access
- Environmental Controls: Redundant power, cooling, and fire suppression
- Equipment Disposal: Certified data destruction for decommissioned hardware
3. Access Management & Authentication
| User Type |
Authentication Method |
Access Level |
Review Frequency |
| System Administrators |
MFA + Hardware Keys |
Privileged (monitored) |
Monthly |
| Employees |
Username/Password + SMS |
Function-specific |
Quarterly |
| Customers |
Portal Authentication |
Account-specific |
As needed |
| API Integrations |
API Keys + OAuth |
Service-limited |
Bi-annual |
Principle of Least Privilege:
- Users granted minimum necessary access for job functions
- Regular access reviews and recertification processes
- Automatic deprovisioning for terminated employees
- Time-limited elevated access for administrative tasks
🔐 Multi-Factor Authentication (MFA)
All administrative and privileged accounts require MFA using hardware security keys, authenticator apps, or SMS verification. MFA is strongly recommended for all user accounts and required for sensitive operations.
4. Monitoring & Incident Response
Security Monitoring:
- 24/7 SOC: Security Operations Center monitoring all systems
- SIEM Integration: Centralized logging and event correlation
- Threat Intelligence: Real-time threat feeds and indicators
- Behavioral Analysis: Machine learning-based anomaly detection
Incident Response Process:
- Detection: Automated alerting and human analysis
- Assessment: Rapid triage and impact evaluation
- Containment: Immediate threat isolation and mitigation
- Investigation: Forensic analysis and root cause identification
- Recovery: System restoration and security improvements
- Communication: Stakeholder notification per legal requirements
5. Compliance & Certifications
🏆 Compliance Standards
SMRT Payments maintains compliance with multiple industry standards and regulations to ensure the highest level of data protection and security.
Current Certifications & Compliance:
- PCI DSS Level 1: Payment Card Industry Data Security Standard
- SOC 2 Type II: Service Organization Control audit compliance
- CCPA Compliant: California Consumer Privacy Act requirements
- GDPR Ready: General Data Protection Regulation principles
- HIPAA Compatible: Healthcare data protection capabilities
- FedRAMP Ready: Federal Risk and Authorization Management Program
Regular Audits & Assessments:
- Quarterly: Internal security assessments and vulnerability scans
- Annual: Third-party penetration testing and security audits
- Continuous: Automated security scanning and code analysis
- Ad-hoc: Incident-driven security reviews and improvements
6. Data Protection Measures
Data Classification & Handling:
- Public: Marketing materials, public documentation
- Internal: Business operations data, employee communications
- Confidential: Customer data, financial records, proprietary information
- Restricted: Payment card data, personal health information, legal documents
Data Loss Prevention (DLP):
- Content Inspection: Automated scanning for sensitive data patterns
- Transfer Controls: Encrypted channels for all data movement
- Endpoint Protection: Device-level security and monitoring
- Cloud Security: Advanced threat protection for cloud services
🔄 Backup & Recovery
Backup Strategy: Automated daily backups with 3-2-1 methodology (3 copies, 2 different media, 1 offsite)
Recovery Time: RTO of 4 hours, RPO of 1 hour for critical systems
Testing: Monthly backup restoration testing and annual disaster recovery exercises
7. Employee Security Training
Security Awareness Program:
- Onboarding: Mandatory security training for all new employees
- Annual Training: Updated security awareness and compliance training
- Phishing Simulation: Regular testing and education campaigns
- Incident Training: Response procedures and reporting requirements
Role-Specific Training:
- Developers: Secure coding practices and vulnerability awareness
- Administrators: Advanced security controls and monitoring
- Customer Service: Privacy protection and social engineering prevention
- Management: Risk assessment and security governance
8. Third-Party Security
Vendor Risk Management:
- Due Diligence: Security assessments before vendor engagement
- Contracts: Security requirements and liability provisions
- Monitoring: Ongoing vendor security posture evaluation
- Incident Coordination: Joint incident response procedures
Key Security Partners:
- Cloud Provider: Google Cloud Platform with advanced security services
- SMS Services: Twilio with enterprise security controls
- Payment Processing: PCI DSS certified payment gateways
- Security Tools: Industry-leading security software and services
9. Continuous Improvement
SMRT Payments maintains a culture of security awareness and continuous improvement through:
- Threat Intelligence: Regular updates on emerging threats and vulnerabilities
- Technology Updates: Timely patches and security updates for all systems
- Process Reviews: Regular evaluation and improvement of security procedures
- Industry Engagement: Participation in security communities and best practice sharing
Security Program Last Updated: January 20, 2025
Next Review Date: July 20, 2025
Security Framework Version: 4.2
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