How is "cardholder data" defined by PCI DSS?

The definition of "cardholder data" as outlined by PCI DSS includes specific elements that are critical for maintaining the security and integrity of payment card transactions. The correct choice encompasses the Primary Account Number (PAN), cardholder name, expiration date, and service code. This combination of information is essential for processing transactions securely, as it identifies the cardholder and verifies their ability to conduct transactions.

The PAN is the most sensitive piece of information, as it uniquely identifies the card itself. The cardholder name and expiration date help to confirm the identity of the individual using the card. The service code provides additional details about the card's functionality and the applicable usage limitations, which are critical for ensuring that transactions are authorized appropriately.

By focusing on these specific elements, PCI DSS sets a standard that organizations must adhere to in order to protect cardholder data effectively and reduce the risk of fraud and data breaches. Understanding this definition is vital for anyone involved in payment processing or handling cardholder information, as it lays the foundation for compliance with PCI DSS requirements and best practices.