Which of the following is not included in Cardholder Data?

The correct answer is that PIN blocks are not included in Cardholder Data. Cardholder Data encompasses information that directly identifies a cardholder and their account. This typically includes the Primary Account Number (PAN), cardholder name, and service code, as these elements are essential for transactions involving payment cards.

PIN blocks, while related to the security of transactions, do not identify the cardholder in the same manner and are instead used to encrypt and secure the Personal Identification Number (PIN) during transactions. The primary focus of Cardholder Data is to facilitate the transaction and provide identifiable information, rather than securing transaction processes. Therefore, since PIN blocks are associated more with transaction security rather than being a direct identifier of the cardholder, they do not fall under the definition of Cardholder Data.