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In 2004, the payment card brands aligned their individual cardholder data protection programs to create the Payment Card Industry Data Security Standard (PCI DSS) This alignment in standards provides an industry-wide framework that forms the basis of each association's individual security programs The objective of the individual programs is to compel merchants and payment service providers to enact measures that protect cardholder information. The goal of the PCI DSS is to specify the security controls required to protect cardholder data in the transaction-processing environment from end-to-end.
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