The Payment Card Industry(History)

上一篇 / 下一篇  2008-09-25 18:08:35 / 个人分类:The Payment Card Industry(PCI)

Consumers have enjoyed using credit and debit cards for many years. Whether the cards are used for purchasing vacations, enjoying meals at restaurants or buying needed items for the home or office, these plastic cards are part of society. Today, many employees are paid with payroll cards, a recent innovation that allows employees to access their paychecks from wherever they are.


However, sophisticated thieves have been able to extract credit and debit card information from unsecured databases and other means. This has resulted in a higher incidence of identity theft, a crime that affects merchant companies, financial institutions, e-commerce companies and individuals.

Because of these security breaches, the major credit card companies - American Express, Discover, MasterCard and Visa - decided to create regulations to help prevent theft of consumers' data. The Payment Card Industry (PCI) Data Security Standards were created by MasterCard and agreed to in 2004 by the four major credit card companies. Each of the credit card companies has its own term for these standards. On June 30, 2005, the regulations took effect.


The American Express program is called Data Security Operating Policy (DSOP); the Discover program is called Discover Information Security and Compliance (DISC);The MasterCard program is called MasterCard Site Data Protection (SDP); and the Visa program is called Cardholder Information Security Program (CISP).


Payment card industry compliance and validation protects vendors, employers and employees, consumers from suffering financial and data loss because of unprotected network systems.


Any business that accepts credit cards needs to be aware of the PCI Data Security Standards and implement them on its network. Doing this brings peace of mind to the vendors and the consumers and can save large companies millions of dollars every year. Small and mid-size companies also benefit, because they can assure their customers of the safety of their network and avoid security breaches which cost them loss of business and income.

多年以来,人们都习惯于用信用卡及借计卡。不管他们是用于旅游消费,或是就餐,或是为家里,办公室添购物品,这些塑胶卡已经是人们生活的一组成部分。今天,许多员工都是用它来领取薪水。还有最近的一样创新就是不管在任何地方都可以核实他们的帐户。

 

但是,一些久经世故的贼已经可以盗取信用卡及借记卡的信息从不安全的数据库中或是其他手段。这导致高频率的身份盗取和高犯罪,影响商业,金融业,电子商务和个体。

 

由于这些安全隐患,四大主要的信用卡公司——American Express(美国运通),Discover,MasterCardVisa——决定创建行业规则以预防用户数据被窃取。PCI安全标准由MasterCard创立,在2004年被四大主流信用卡公司接受。每家信用卡公司有其自己的条款标准。在2005630日,些规则开始生效。

 

The American Express program被称为DSOPData Security Operating Policy;The Discover program被称为DISC(Discover Information Security and Compliance);The MasterCard被称为SDP(MasterCard Site Data Protection);The Visa被称为CISP(Cardholder Information Security Program).

 

付款卡行业的标准保护供应商,雇主和雇员,消费者免受的财政和数据丢失,因为无保护的网络系统。

 

任何接受信用卡的商业机构必须知晓PCI数据安全标准并且在他们的网络中实施。做好这些可以带给供应商和顾客安全的理念并且每年可以节约百万的美金。小公司或是中型的企业都可以受益,因为他们可以确认其客户网络安全并避免让其丢失商机和收入。

 


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  • 建立时间: 2008-04-16
  • 更新时间: 2008-12-11

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