Korttitiedot

Korttitiedot refers to data associated with a card used in financial transactions or controlled access. In a payment context this typically includes the card number (PAN), expiry date, cardholder name, and security features such as the CVV/CVC. When transactions are conducted digitally, card data can be replaced by tokens or other abstractions to reduce exposure of the actual card details. Korttitiedot may also involve data stored on cards, such as magnetic stripe data or EMV chip information, and the data held by issuers, processors, and merchants.

In use, korttitiedot enable authorization and settlement of payments and can be required for access-control services that rely on card credentials. Data may be stored by multiple parties in encrypted form or as tokens, and access to it is typically restricted to authorized personnel and systems.

Protection and regulatory context: Handling of korttitiedot is governed by data protection and payment industry standards. The PCI Data Security Standard prescribes encryption, network segmentation, vulnerability management, access controls, and regular testing. Proper data minimization, retention limits, and secure destruction are common requirements, and CVV data is generally not stored after authorization. In the European Union, such data is personal data subject to GDPR, with considerations for consent, purpose limitation, and data subject rights.

Risks and measures: Common threats include data breaches, skimming, phishing, and malware. Organizations should implement strong authentication, monitoring, incident response, and regular audits; users should guard card details and report suspected misuse.

Consumer guidance: Review statements, enable notifications, use virtual or disposable card numbers where available, avoid saving card data on devices, and contact the issuer if a card is lost or stolen.