For example see the Visa's pdf at [link|http://usa.visa.com/download/business/accepting_visa/support_center/cisp_overview.pdf#search=%22visa%20pci%22|http://usa.visa.com/...=%22visa%20pci%22]
Most of the requirements are fairly straightforward [Convert database columns from plain text to [probably] Triple DES encrypted values.
But there are a few open issues,
- How to protect and securely distribute the encryption keys?
- How to recover the key that matches a particular database backup?
There are several vendors who will sell you a 'magic box' that acts as a key management system. These boxes seem to require other hardware, software and consulting services from the vendor [and have unknown reliability issues].
There is also a 'Symkey' LGPL project on SourceForge [link|http://www.strongkey.org/|http://www.strongkey.org/] - but it is clearly not ready for prime [or any other] time yet.
Has anyone had experiance implementing a key management system?