Glossary
Sensitive Authentication Data (SAD)
Sensitive Authentication Data (SAD) constitutes a subset of critical information utilized in the authentication and authorization of payment card transactions. It encompasses various security-related elements that are instrumental in verifying the identity of cardholders and validating the legitimacy of payment transactions. These elements are considered sensitive due to their potential to compromise the security and integrity of the payment card system if accessed or exploited by unauthorized parties.
Key components of Sensitive Authentication Data may include:
Additional elements that may fall under Sensitive Authentication Data include dynamic security codes generated by payment cards (e.g., dynamic CVVs), biometric data used for authentication purposes, and cryptographic keys employed in secure authentication protocols.
Given the sensitive nature of this information, strict security measures and compliance requirements, such as those outlined in the Payment Card Industry Data Security Standard (PCI DSS), are enforced to safeguard Sensitive Authentication Data against unauthorized access, disclosure, or misuse. Protecting the confidentiality and integrity of Sensitive Authentication Data is paramount to preserving trust and security within the payment card ecosystem, ensuring that cardholder information remains secure throughout the transaction process.