Stripe & PCI DSS 4.0 Credit Card PAN Scrubber in Node.js (<1ms)

import OpenAI from 'openai';
import { sanitize, restore } from '@privacyscrubber/sdk';

const openai = new OpenAI({ apiKey: process.env.OPENAI_API_KEY });

const customerDisputeLog = `
Customer: Lisa Albright
Card on file: 4532 0158 9234 1182 (Exp: 08/28, CVV: 891)
Dispute: Unauthorized charge of $320.00 from Cloud Services Inc.
`;

// 1. Sanitize in local RAM using Financial Profile (<1ms)
const { scrubbedText, tokenMap } = sanitize(customerDisputeLog, {
  profile: 'Financial'
});

console.log('Sanitized Dispute Log Safe for AI Assessment:');
console.log(scrubbedText);
// PAN and CVV are transformed into [CARD_1] and [ID_1]!

// 2. Invoke AI dispute adjudication agent:
const completion = await openai.chat.completions.create({
  model: 'gpt-4o',
  messages: [{ role: 'user', content: `Draft customer dispute response:\n\n${scrubbedText}` }]
});
const aiResolution = completion.choices[0].message.content || '';

// 3. Restore in local banking application:
const cleartextResolution = restore(aiResolution, tokenMap).restoredText;
console.log('\nFinal Restored Dispute Draft:');
console.log(cleartextResolution);