System and method for payment card industry enterprise account number elimination

摘要

A system and method replaces credit card numbers in systems that are customer facing with token Ids to thereby reduce exposure to credit card number theft.

主权项

1. A system, comprising:
a vault infrastructure in communication with client-facing applications, the vault infrastructure being configured to receive a credit card number of a credit card; a credit card authorization system in communication with the client-facing applications; wherein the vault infrastructure is configured to substitute, in real-time, a token id for the credit card number upon receipt of the credit card number from a customer and prior to communication with the credit card authorization system; and a mini-vault in communication with a vault of the vault infrastructure, the mini-vault being configured to locally cache token ids and credit card numbers to help distribute calls to the vault over the course of a particular time period.