The Payment Card Industry Data Security Standard, meant to help protect consumers' credit and debit card information at retail, has a few flaws of its own, some observers said. Dave Hogan, chief information officer for the National Retail Federation, Washington, said he considers “the weak link to be the PCI standard itself, because it is difficult to follow and interpret.” Retailers, he added, should be allowed to “not store card data at all and not get penalized for it.” Currently, ...

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