The term tokenization refers to create a numeric or alphanumeric number in place of the original card number. It is difficult for hackers to get original card numbers. Let us see an example, data analysis. Here, card numbers masked with other junk characters for security purpose.
Popular Tokenization Servers
There are two kinds of servers currently popular for implementing tokenization.- Vault-based
- Vault-less
Vault-based server
The term vault based means both card number and token will be stored in a Table usually Teradata tables. During increasing volume of transactions, the handling of Table is a big challenge.
Every time during tokenization it stores a record for each card and its token. When you used a card multiple times, each time it generates multiple tokens. It is a fundamental concept.
So the challenge here is Table size will be increased.
 |
| Tokenization process |
Vault-less server
The recently established technology is much faster than the vault based model, where the card numbers and tokens will not be stored. Whenever it received a request, it generates a random number.
Even during de-tokenization, it just decode the random number and sends actual card number. Also possible to send numeric/alpha numeric tokens.
Also read: Top books on credit cards domain
Hello Srini
ReplyDeleteJust read your article on vault -v- vaultless, this question can only be answered depending on the vault itself - was it built to be scalable? Does it store every transaction? Quite simply no it does not, but like i say it all depends on how the vault was built. Is it more secure than vaultless - definately.
Vault-less is reversible security method that replaces sensitive data with fake data that looks and feels just like the real thing. So vault-less is advanced than Vault.
Delete