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Cisco, HyTrust, VMware, Savvis and Coalfire have collaborated to construct a cloud reference architecture that addresses some of the unique challenges of the Payment Card Industry (PCI) Data Security Standard (DSS). Innovative technologies from Cisco, VMware, and HyTrust are used to implement the cloud architecture with a number of additional security controls to meet the intent of PCI DSS. The reference architecture was implemented in the Savvis lab and the team collaborated with Coalfire, which provided guidance as a PCI Qualified Security Assessor (QSA).