Not regulatory as in government, but industry regulated yes. All card brands require that you comply with the Payment Card Industry, Data Security Standard. http://www.visa.com/cisp for more info...
Honestly, you don't need to store anything to issue a credit. A credit is just like a debit, except you put money back instead of take it out.
The problem here is the storage of discretionary data (CVV/CVC) found in the track (magstripe), and "card-not-present" (read: online purchases) authentication data (CVV2/CVC2/CID). A PIN number or PIN block (encrypted pin that matches with issuing bank) is just as bad, except in most cases you are directly hitting someone's checking or savings account.
Companies get a better (cheaper) interchange rate on transactions where they provide this authentication data, so some may think it is to their advantage to store it.
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Not regulatory as in government, but industry regulated yes. All card brands require that you comply with the Payment Card Industry, Data Security Standard. http://www.visa.com/cisp for more info...
Honestly, you don't need to store anything to issue a credit. A credit is just like a debit, except you put money back instead of take it out.
The problem here is the storage of discretionary data (CVV/CVC) found in the track (magstripe), and "card-not-present" (read: online purchases) authentication data (CVV2/CVC2/CID). A PIN number or PIN block (encrypted pin that matches with issuing bank) is just as bad, except in most cases you are directly hitting someone's checking or savings account.
Companies get a better (cheaper) interchange rate on transactions where they provide this authentication data, so some may think it is to their advantage to store it.
Nice backpack with tons of room for all of your gadgets. 2000 cubic inches of space (yes their site says 1500. Its wrong).
1 d4 bf088720d59f77aa994138a919/Action/Vendor_Prod/CatI d/280/ProdId/1872
Watch for specials... I paid ~$80.
http://www.travelcountry.com/shop/SessionId/1c1
csh set prompt="%S %p %s [%~] %m(!)%# "