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The Payment Card Industry (PCI) is a coalition of credit card companies including American Express, Discover, MasterCard and Visa. The PCI has created a Data Security Standard (PCI DSS) which details the security requirements for credit card merchants, service providers and processors. Any organization that stores, processes or transmits cardholder data is required to comply with the PCI DSS. The PCI DSS is multifaceted with requirements for security management, policies, procedures, network architecture, cryptology, key management and other protective measures. This whitepaper focuses on the portions of the PCI DSS which address cryptology (encryption) and key management for protecting cardholder data.
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