The idea is to swap payment card data with a randomized number in the same format with no intrinsic value of its own. The difference from encryption is that the original pattern is still “locked”. Encrypted values can be decrypted with the key, brute computing force, or through a hacked/stolen key. Tokens, by the other hand, have no mathematical relationship between the token and its original number, then it cannot be decrypted. De-tokenization can only be done by the PayCertify tokenization system.
The idea is to swap payment ACH data with an encrypted string. De-tokenization can only be done by the PayCertify tokenization system.