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In the credit card industry, the primary goal of information management is ensuring that cardholder data is properly secured and protected and that merchants and third-party solution providers meet minimum privacy levels for any application, database, or file system that plays a role in storing, processing, or transmitting account-related data. The Payment Card Industry Data Security Standard (PCI DSS) was formalized as an industry- wide standard in 2004, originating as separate data security standards established by the five major credit card companies: MasterCard, VISA, Discover, American Express, and the Japan Credit Bureau (some of whom are Cloudera Enterprise customers).