CIPT practice question 5 of 30
SCENARIO Looking back at your first two years as the Director of Personal Information Protection and Compliance for the St. Anne’s Regional Medical…
Full set: 220 questionsTokenization is the most appropriate standard for protecting credit card information in this scenario. It is a process recommended by the Payment Card Industry Data Security Standard (PCI DSS) where the primary account number (PAN) is replaced with a unique, non-sensitive equivalent value called a "token." This token has no extrinsic or exploitable meaning or value. The actual sensitive cardholder data is stored securely in a centralized vault. By using tokens, the medical center's systems can process payments without storing or transmitting the actual PAN, significantly reducing the scope of PCI DSS compliance and minimizing the risk of a data breach.
A. Symmetric encryption is a valid method for protecting data at rest, but tokenization is a more specialized and often preferred control for payment card data to reduce compliance scope.
C. Obfuscation is a general term for making data difficult to understand. It is not a formal cryptographic standard and lacks the security assurances of tokenization for financial data.
D. Certificates are used for authentication and securing data in transit (e.g., TLS), not for protecting sensitive data like credit card numbers stored at rest in a database.
1. PCI Security Standards Council. (2018, August). PCI DSS Tokenization Guidelines, Version 2.0. Page 5, Section 3.0: "Tokenization can be used to reduce the scope of the cardholder data environment (CDE)."
2. PCI Security Standards Council. (2022, March). Payment Card Industry Data Security Standard (PCI DSS) v4.0. Requirement 3.3: "Mask PAN when displayed (the first six and last four digits are the maximum number of digits to be displayed)." Tokenization is a method to achieve this and protect the full PAN.
3. National Institute of Standards and Technology (NIST). (2014). NISTIR 8008, Interagency Report on Status of International Cybersecurity Standardization. Section 4.1.1 discusses PCI DSS and its controls for protecting cardholder data.
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