COI.
search Request for Consideration arrow_forward menu
close Submit Innovation
close
F&A / Finance verified Verified Outcome TRL 9

Tokenization for PCI Compliance

domain Client: A leading global hotel chain handshake Provider: TokenEx / Internal schedule Deploy: Q4 2019 (Post-Breach Hardening)
92 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: High

Executive Summary

ANALYST: COI RESEARCH

Following a massive data breach, the chain implemented extensive tokenization. Credit card numbers (PANs) are replaced with non-sensitive 'tokens' at the point of capture. The raw data is stored in a secure third-party vault, meaning the retailer's internal systems only ever process and store tokens, rendering a breach useless to attackers.

rate_review Analyst Verdict

"De-scoping is the best security. Instead of trying to secure the credit card number in 500 systems, you replace it with a useless token. This drastically reduces the PCI-DSS audit scope and risk exposure."

lock
Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

The company stored guest credit card details across reservation systems, front desk apps, and call centers. This broad attack surface led to a breach of millions of records. Compliance costs were massive due to the scope of systems touching PAN data.

psychology The Solution

Implemented tokenization middleware. When a guest books, the card goes to the vault provider. The provider returns a token (e.g., 4111-XXXX-XXXX-1234). The hotel system uses this token for billing, loyalty, and reporting. The raw card never touches the hotel's core database.

settings_suggest Technical & Deployment Specs

Integrations
Oracle Opera, Payment Gateway
Deployment Model
SaaS Vault
Data Classification
PCI Data
Estimated TCO / ROI
Medium
POC Summary (2018-11-01 to 2019-12-01)

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Vendor Dependency High Contractual uptime guarantees with token vault provider.
Latency Low High-performance API.

trending_up Impact Trajectory

Audited value realization curve

Tokenization of 100% of new bookings Verified Outcome
Primary KPIReduction in PCI audit scope/cost
Audit CycleZero PAN data in core databases

policy Compliance & Gov

  • Standards: PCI-DSS Level 1
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: PCI Data

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
lock
verified_user
Technical Audit
PDF • Audited
lock

Related Intelligence

article
Tenant Experience Operating System (TeX)
View Outcome →
article
Global Data Platform & Optimization
View Outcome →
article
Autonomous Earthmoving Equipment
View Outcome →
Security Architecture

The "Blind Verification" Protocol

How we verified these outcomes for A leading global hotel chain without exposing sensitive IP or identities.

Private
lock_person

1. Raw Evidence

Audit ID: #PRIV-882
Evidence: Direct SQL Logs
Public
public

2. Verified Asset

Outcome: Verified
Ref ID: #COI-882

Strategic Action Center

Identify your current stage and take the next step.

rocket_launch
Replicate This Success
Want similar results? Request a deployment consultation.
psychology_alt
Submit Challenge
Have a different problem? Submit your problem statement.
publish
Publish Case Study
Submit your own verified evidence.
thumb_up
Verify Impact
Audit your existing solution.