Abstract
The Payment Card Data Security Standard (PCI DSS) has been designed to be the benchmark standard for the protection of cardholder data and applies to any business IT system or business operation that is involved in the storage, processing, or transmission of this type of sensitive data. The successful application and implementation of the PCI DSS control sets against the card payment operations makes it more difficult for the attackers to steal such data and, as such, provides greater assurance to the Card Brands, Issuers, and Acquirers and ultimately helps protect the consumers from payment card fraud. However, the criminals are opportunists seeking to exploit the misinterpretation/misapplication of the PCI DSS controls, poorly managed PCI DSS oversight, bad practices, or poor risk management processes.
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