A Technical Deep Dive into Tokenization |
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| © 2025 by IJCTT Journal | ||
| Volume-73 Issue-5 |
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| Year of Publication : 2025 | ||
| Authors : Kunal Nandi | ||
| DOI : 10.14445/22312803/IJCTT-V73I5P103 | ||
How to Cite?
Kunal Nandi, "A Technical Deep Dive into Tokenization," International Journal of Computer Trends and Technology, vol. 73, no. 5, pp. 14-18, 2025. Crossref, https://doi.org/10.14445/22312803/IJCTT-V73I5P103
Abstract
Using card numbers in merchant terminals/e-commerce websites increases the risk of security breaches. In order to reduce this security breach and enhance the security of transactions, Tokenization replaces sensitive card numbers (debit/credit/prepaid) with unique, randomly generated tokens. This article provides a technical analysis of payment tokenization, covering token generation or provisioning, ID&V flow in token generation, payment transactions using Token, and a comparison among Encryption, Tokenization,3DS, Biometric Auth, TLCM and its role in the payment ecosystem.
Keywords
Tokenization, Digital payments, Payment security, Token Service Provider, Cryptographic validation.
Reference
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