Kaardiandmeid

Kaardiandmed refer to the information associated with payment or identification cards, such as bank or credit cards, that is used to process transactions or verify identity. The term is commonly used in security, banking, and privacy contexts to describe data elements that can identify a cardholder and authorize payments.

Card data can be divided into different categories. Core data typically includes the primary account number (PAN), cardholder name, expiration date, and the card’s service code. Some data is considered highly sensitive, such as the full magnetic stripe data, chip data, and the card verification value (CVV or CVV2), as well as personal PINs. In many frameworks, storing sensitive authentication data after an authorization is not permitted, and certain elements like CVV should not be retained by merchants.

Handling and protection of kaardiandmed are governed by security standards and legal requirements. The Payment Card Industry Data Security Standard (PCI DSS) provides a framework for the secure handling, processing, and storage of card data, including requirements for encryption, access controls, network security, and regular audits. Techniques such as tokenization and encryption are commonly used to minimize exposure of card data in systems and during transmission.

Use cases include in-store purchases, online payments, mobile wallets, and ATM transactions. In all cases, responsible stakeholders aim to limit data collection, ensure secure transmission, and comply with privacy laws such as the General Data Protection Regulation (GDPR) in the European Union.

Breaches of kaardiandmed can lead to fraud and financial loss. Consumers and organizations are advised to monitor statements, use reputable payment gateways, keep software up to date, and minimize the amount of card data stored or processed.