On what many Americans consider a day of change, here we go again with more of the same: a massive data breach involving Heartland Payment Systems, a credit card payment processor, that was announced on Tuesday. First, the good news: no merchant data or cardholder Social Security numbers, unencrypted personal identification numbers (PIN), addresses or telephone numbers were involved in the breach. Neither was any check processing data. Now for the bad news: since they were alerted to suspicious activity by Visa