Card-on-File Tokenisation (CoFT), recently seen in the news is

1
A process that replaces sensitive card data with an alternate code called a token, which is unique for every card, token requestor and device.
2
A method to improve customer convenience and adoption of digital payments.
3
An RBI mandate making tokenisation compulsory for domestic online card transactions.
4
A technology that enables contactless card payments through NFC.

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