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pci-tokenization

Replace plaintext PANs with HSM-backed FF3-1 format-preserving tokens.

Updated Feb 25, 2026
Search Tags:#tokenization#pci-dss#hsm#ff3-1#format-preserving-encryption#detokenization#kubernetes-network-policy
One-click install
npx skills add https://github.com/zenobiuszeto/banking-strawman-capabilities --skill pci-tokenization
Or copy as Structured Prompt for Agent▼
Please help me install this Agent Skill.
Skill: pci-tokenization
Source: https://github.com/zenobiuszeto/banking-strawman-capabilities/tree/main/skills/pci-tokenization
Command: npx skills add https://github.com/zenobiuszeto/banking-strawman-capabilities --skill pci-tokenization

SYSTEM DOCUMENTATION & REQUIREMENTS

What problem does it solve?

This Skill removes cardholder PAN exposure from transactional systems by replacing raw card numbers with HSM-backed format-preserving tokens and enforcing strict detokenization controls so that only an isolated Cardholder Data Environment (CDE) can access plaintext PANs.

Core Features & Use Cases

  • HSM-backed FPE (FF3-1): Generate Luhn-compliant tokens that preserve PAN format while preventing plaintext exposure.
  • Secure Token Vault: Store AES-256-GCM encrypted PAN blobs with SHA-256 pan hashes and masked PANs for display, and enforce token expiry matching card expiry.
  • CDE Isolation & RBAC: Enforce Kubernetes network segmentation and method-level security so detokenization occurs only in the CDE with immutable audit logging to Kafka.
  • Network Tokenization Integration: Provision and track Visa/Mastercard network tokens for wallet provisioning and lifecycle operations.
  • Use Case: Replace card-on-file storage in an e-commerce platform so downstream payment orchestration and ledger systems only handle tokens, and settlement services request detokenization from CDE-only pods.

Quick Start

Tokenize a customer's PAN for e-commerce by invoking the TokenizationService with HSM-backed FF3-1, persist the token and masked PAN in the TokenVault, and emit an immutable audit event.

Frequently Asked Questions about pci-tokenization

High-intent search queries and answers about installing and using this skill.

FAQPage Schema
How do I tokenize cardholder PANs to achieve PCI-DSS compliance in cloud-native banking platforms?▼

Tokenize cardholder PANs by replacing plaintext card numbers with HSM-backed FF3-1 format-preserving encryption tokens, ensuring transactional systems handle Luhn-compliant tokens instead of raw PAN exposure for PCI-DSS compliance.

Does format-preserving tokenization support Luhn compliance for downstream payment processing?▼

Yes, format-preserving tokenization uses HSM-backed FF3-1 encryption to generate Luhn-compliant tokens that preserve the PAN format, allowing downstream payment orchestration and ledger systems to process tokens without plaintext exposure.

How do I isolate detokenization within a Cardholder Data Environment using Kubernetes network policies?▼

Enforce CDE isolation by applying Kubernetes network segmentation and RBAC controls so detokenization only occurs within isolated CDE pods, emitting immutable audit events to Kafka for secure settlement and reconciliation.

Can I use HSM-backed tokenization for network token provisioning in digital wallets?▼

Yes, HSM-backed tokenization integrates with network tokenization to provision and track Visa/Mastercard network tokens for digital wallet lifecycle operations, replacing card-on-file storage while maintaining secure token vault mappings.

How are encrypted PANs stored and managed during the tokenization process?▼

Encrypted PANs are stored using AES-256-GCM encryption with nonce and SHA-256 hashing in a secure token vault, maintaining masked PANs for display and enforcing token expiry matching the original card expiry.

What is the best way to replace card-on-file storage in an e-commerce platform to prevent plaintext PAN exposure?▼

Replace card-on-file storage by invoking a tokenization service with HSM-backed FF3-1 encryption, persisting tokens and masked PANs in a secure vault, so downstream systems handle only tokens and settlement requests CDE-only detokenization.

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