 Example of dynamic, transaction-specific tokens include cryptograms used in the EMV specification.The Payment Card Industry Data Security Standard, an industry-wide set of guidelines that must be met by any organization that stores, processes, or transmits cardholder data, mandates that credit card data must be protected when stored.Tokenization, as applied to payment card data, is often implemented to meet this mandate, replacing credit card and ACH numbers in some systems with a random value or string of characters.