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This skill equips Claude with the deep technical knowledge required to build, audit, and maintain payment processing systems that comply with PCI DSS (Payment Card Industry Data Security Standard). It provides specific implementation patterns for data minimization, secure tokenization, AES-256-GCM encryption for data at rest, and robust audit logging. By following these industry-standard security protocols, developers can significantly reduce their compliance scope and ensure that sensitive cardholder data like PANs and CVVs are handled with the highest level of security and integrity throughout the payment lifecycle.