Tokenlagring

Tokenlagring refers to the practice of storing sensitive payment card information, such as credit or debit card numbers, in a secure digital format. This process replaces the actual card details with a unique identifier called a token. The token itself is meaningless if intercepted and cannot be used to make fraudulent transactions as it does not contain the original card number.

This technology is employed by various entities, including payment processors, merchants, and mobile payment providers. When a customer makes a purchase, their card details are sent to a tokenization service. This service then generates a token and securely stores the original card information. The merchant's system receives and stores only the token, which is then used for subsequent transactions.

Tokenization significantly enhances security by reducing the risk of data breaches. If a merchant's database is compromised, the attackers will only obtain tokens, rendering the stolen data useless. The actual cardholder data remains protected within the tokenization service's secure environment. This method is a key component in complying with payment card industry data security standards.

The process typically involves a secure gateway or vault where the tokenization occurs. Upon authorization of a transaction, the token is sent to the payment network, which then communicates with the tokenization service to retrieve the original card details for processing. This creates a secure and efficient payment ecosystem.