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May 18th, 2016

PCI Compliance / 'Card Not Present' Articles / Terminology

PCI Compliance continues to prove challenging to organizations across the U.S. and beyond, particularly with regard to protecting credit card and social security data.  The main problem is that this sensitive information can be exposed when verbally transmitted by a customer to an agent.

There are new tools on the market, however, that eliminate this problem by capturing the customer's credit card number, e.g. via highly secure DTMF data capture right from the customer's telephone keypad. The agent never sees the numbers as they are immediately routed directly to a secure PCI server.

What follows are several articles and terms to help with your PCI-DSS research.



  • PCI-DSS - Payment Card Industry Data Security Standard

  • DTMF - Dual-Tone Multi-Frequency (DTMF tones are created by pressing numbers on a telephone keypad)

  • CNP - Card not present; refers to payments where the customer does not physically produce the card - e.g. with telephone or online transactions

  • PAN - Primary account number (on a credit card, e.g.)

  • CVC - Card validation code (3 digit security code on the back of a credit card)

  • CSC - Card security code (another name for CVC; 3 digit security code on the back of a credit card)

  • Cardholder data - Cardholder's PAN, full name, expiration date, security code (CVC, CSC)...

  • PII - Personally identifiable information (information used to identify, contact or locate a single person)