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Payment account companies (including American Express, MasterCard Worldwide, and Visa Inc.) developed the Payment Card Industry Data Services Standard (PCI DSS) version 1.1, finalized in 2006, to protect customer account data from unauthorized access and misuse. Parties worldwide that process credit card data have been adopting this security standard, but adoption is not yet complete. This white paper is intended for any organization that accepts credit cards and processes credit card data, which could include but is not limited to: merchants, merchant banks, issuing banks, and processors.
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