PCI DSS Requirements for Tokenization

Tokenization is designed to protect confidential information from fraud or hacking, which can cause serious problems with the organization and its customers. With the integration of Tokenization Services, companies are advised to remember that they must comply with industry requirements (PCI DSS). And this technology is a great option for this purpose, because it significantly reduces the cost of complying with industry regulations.

What does PCI mean in Tokenization?

PCI DSS is a set of industry rules that companies must pay for. The main concern is that enterprises are required to securely store user information, especially CHD (card holder data). The main task is to ensure that the customer’s personal information is not disclosed to unauthorized parties.

The token process means that we replace all the original information with non-confidential parts – tokens. And the best part is that tokens have no value outside of their environment, which means thieves can’t use them.

Here are the main benefits a company can get:

• Enterprises reduce the amount of data they need to securely store, which in turn reduces the cost of PCI.
• Enterprises reduce the risk of being fined or fined by the industry regulator

Tokenization PCI application

As mentioned, data protection simulation is the main purpose. Consider some options for PCI tokenization solutions.

Companies can extend their forums by:

• Provide standard verification to verify how the token works when it is necessary to protect personal information from being exposed to the environment or even in areas that are not within the PCI limits.
• Testing token solutions to make it work properly and provide the highest level of security.
• Reduce various threats related to tokenization, such as deployment, tokens, encryption, etc.

If we pay attention to how tokens are implemented and make sure they work properly, we can make it easier to meet the requirements and also avoid sensitive information such as CHD or PII exposure.

Major PCI Requirements

Behind industry standards, companies must follow CHD in all processes.

When performing a simulation, you should verify the following:

• No confidential data types will be exposed during both the simulation and the simulation process.
• All the elements included in the tokens are stored in internal networks, and they are highly protected.
• There is a secure line of communication between each area.
• CDH is safe and secure when stored and also transmitted over networks, especially if they are public.
• All necessary steps have been taken to provide authorized access control.
• The system has strong configuration steps to avoid vulnerabilities and potential exploits.
• CHD can be safely removed when needed.
• All processes are monitored, accident reports are enabled, and when problems occur, the system has the appropriate response to fix them.

By implementing recommendations, enterprises can reduce the risk of hacking and comply with industry regulatory laws.

Simulators and map work

Once we know what a token is, let’s take a closer look at the main things – tokens. These sections act as a representation of the original information that has been replaced. At the same time, tokens are engraved on it, without exposure, these are random symbols, numbers, letters, and so on.

The system creates tokens using a variety of functions, which can be based on encryption methods, or hashing and indexing.

In the process of creating a token, we must also comply with industry laws, some of which are

• Parts of the original PAN cannot be rebuilt with the knowledge of tokens.
• Inability to predict complete data with access to Token-to-PAN pairs.
• Tokens should not show any information or values ​​if they are hacked.
• The verification data cannot be simulated in any way.

The other part of the simulation is the mapping. Just like the process of creation, once the token is connected to the information that was created and replaced, there are rules for the map process. These include:

• Mapping jobs can only be used by authorized parties.
• The main data backup process associated with its token must be monitored to prevent unauthorized access.
• All mapping process components meet PCI guidelines.

Simulated Volt

Like mapping systems, storage, where the original CHD is stored, must also be compatible with a set of PCI rules.

Once the token is created, the real information comes to the Vault and is encoded with the corresponding token.

According to the guideline, all confidential information is stored here and companies must ensure the highest security standards for Vault. Therefore, in the case of hacking, the protection provided by tokens is no longer valid.

Key Management

To avoid potential vulnerabilities, all components involved in the tokens process must be properly managed with strong encryption, such as token creation, use, and data protection.

The management of cryptographic keys includes the following rules

• There should be strict security controls in the storage of pans and tokens.
• Ensure that encryption keys are created and stored securely.
• Both token creation and tokenization processes are protected.
• All tokens are only available in areas specified within the PCI range.

Tokenization solutions to meet requirements

The main reason behind tokens is to provide safe environments, as well as to protect and transmit information and meet industry needs. Properly covered, it will withstand a great deal of adverse conditions.

Before signing the contract, it is recommended that you verify that your token provider is compliant with the PCI guidelines, that you pay for non-compliance and that you are responsible for supervisors.