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June 23, 2005 Payment Card Security: Self-Assessment Is Not Enoughby Ivan Remsik, Martha Bennett
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Executive Summary
The Payment Card Industry Data Security Standard unites MasterCard, Visa, American Express, Diners Club, Discover, and JCB in the increasingly rigorous and complex process of protecting consumers' financial data. While compliance validation is thoroughly defined for large service providers and insists on the involvement of external security specialists, merchants and smaller service providers can proclaim compliance based on the judgments of their own staff. To minimize security risks and potential liabilities, card issuers and acquirers should implement more stringent compliance validation requirements.
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