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CCSP Practice Question: Which TWO of the following are benefits of using…
Which TWO of the following are benefits of using tokenization for credit card data?
⚠ Common exam trap
ISC2 often tests the misconception that tokenization eliminates the need for encryption entirely, but the correct understanding is that tokenization reduces PCI DSS scope while encryption (for the vault and transit) remains essential.
Answer choices
Why each option matters
Answer the question above first, then reveal the full breakdown to understand why each option is right or wrong.
Correct answer & explanation
✓
Maintains data format for existing systems
Tokenization replaces sensitive credit card data with a non-sensitive token that retains the same format (e.g., a 16-digit number) and length, allowing existing systems, databases, and applications to process the token without modification. This format-preserving property ensures that legacy systems, such as payment gateways or CRM platforms, can continue to operate without requiring costly re-engineering. By using a token instead of the actual PAN, the organization reduces the scope of PCI DSS compliance because the tokenized data is not considered cardholder data under the PCI DSS standard.
Answer analysis
Option-by-option breakdown
For each option: why learners choose it and why it is or isn't the right answer here.
- ✓
Maintains data format for existing systems
Why this is correct
Tokens can preserve format, aiding integration.
- ✗
Reversible without a key vault
Why it's wrong here
Tokenization requires a vault to reverse.
- ✓
Reduces PCI DSS compliance scope
Why this is correct
Tokens are not considered sensitive data under PCI DSS.
- ✗
Eliminates the need for encryption
Why it's wrong here
Tokenization and encryption serve different purposes.
- ✗
Slows down database queries
Why it's wrong here
Tokenization may add overhead but is not a benefit.
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JA
Written by Johnson Ajibi, MSc IT Security
Senior Network & Security Engineer · founder of Courseiva
This CCSP practice question is part of Courseiva's free ISC2 certification practice question bank. Courseiva provides original exam-style practice questions with explanations, topic-based practice, mock exams, readiness tracking, and study analytics to help learners prepare for the CCSP exam.