Credit card data security: Who's responsible?

摘要

Last year's infamous heartland breach should be a wake up call that it is time for credit card issuers to step up and address the security issue that exists in this country with respect to protecting customer information.rnA perfectly good solution is being used in other countries to minimize Card Not Present (CNP) fraud and card cloning: smart cards. This solution is not available to American consumers, merchants or credit card processors because card issuers have not been mandated by the U.S. government to implement it.