Implementing PCI DSS Requirement 3: Encryption & Tokenization Strategies

Implementing PCI DSS Requirement 3: Encryption & Tokenization Strategies

Overview

PCI DSS Requirement 3 focuses on protecting stored cardholder data through encryption, tokenization, and other cryptographic methods. This article explores practical implementation strategies.

Key Components

1. Encryption Requirements

3.1: Keep cardholder data storage to a minimum

• Implement data retention policies
• Automate data lifecycle management
• Regular data discovery scans

3.2: Do not store sensitive authentication data

• Prohibit storage of full track data, CVV2, PIN blocks
• Implement validation in CI/CD pipelines
• Regular scanning for accidental storage

2. Cryptographic Implementation

AWS KMS Configuration: