diff --git a/common/util/src/main/java/kr/co/palnet/kac/util/MaskingUtil.java b/common/util/src/main/java/kr/co/palnet/kac/util/MaskingUtil.java
new file mode 100644
index 0000000..3f9f3e5
--- /dev/null
+++ b/common/util/src/main/java/kr/co/palnet/kac/util/MaskingUtil.java
@@ -0,0 +1,106 @@
+package kr.co.palnet.kac.util;
+
+import java.util.regex.Matcher;
+import java.util.regex.Pattern;
+
+public class MaskingUtil {
+
+    public static String maskString(String originalString, int start, int end) {
+        String mask = originalString.substring(start, end).replaceAll(".", "*");
+        return originalString.substring(0, start) + mask + originalString.substring(end);
+    }
+
+    public static String maskStringEndWith(String originalString, int end) {
+        return maskString(originalString, 0, end);
+    }
+
+    public static String maskStringStartWith(String originalString, int start) {
+        return maskString(originalString, start, originalString.length());
+    }
+
+    public static String maskEmail(String email) {
+        return email.replaceAll("(?<=.{3}).(?=[^@]*?@)", "*");
+    }
+
+    public static String maskEmailAndDomain(String email) {
+        String regex = "(.+)@(.+)";
+
+        Pattern pattern = Pattern.compile(regex);
+        Matcher matcher = pattern.matcher(email);
+        if (matcher.find()) {
+            String localPart = matcher.group(1);
+            String domain = matcher.group(2);
+
+            localPart = maskString(localPart, 3, localPart.length());
+            domain = maskString(domain, 3, domain.length());
+            return localPart + "@" + domain;
+        }
+        return email;
+    }
+
+    public static String maskCardNumber(String cardNumber) {
+//        return cardNumber.replaceAll("\\b(\\d{6})(\\d+)(\\d{4})\\b", "$1****$2");
+        // 하이픈 제거
+        String cardNumberWithoutHyphens = cardNumber.replace("-", "");
+
+        // 마스킹 적용
+        StringBuffer sb = new StringBuffer();
+        Pattern pattern = Pattern.compile("(\\d{6})(\\d+)(\\d{4})");
+        Matcher matcher = pattern.matcher(cardNumberWithoutHyphens);
+        while (matcher.find()) {
+            matcher.appendReplacement(sb, matcher.group(1) + "*".repeat(matcher.group(2).length()) + matcher.group(3));
+        }
+        matcher.appendTail(sb);
+        String maskedCardNumber = sb.toString();
+
+        // Return the card number in the original format
+        return cardNumber.contains("-")
+                ? maskedCardNumber.replaceAll("(\\d{4})(.{4})(.{4})(\\d{3,4})", "$1-$2-$3-$4")
+                : maskedCardNumber;
+
+    }
+
+
+    public static String maskName(String name) {
+        if (name.length() == 1) {
+            return "*";
+        } else if (name.length() == 2) {
+            return name.replaceAll("(?<=.).", "*");
+        } else {
+            return name.replaceAll("(?<=.).(?=.)", "*");
+        }
+    }
+
+    public static String maskPhoneNumber(String phoneNumber) {
+        // 하이픈 제거
+        String phoneNumberWithoutHyphens = phoneNumber.replace("-", "");
+
+        // 마스킹 적용
+        StringBuffer sb = new StringBuffer();
+        Pattern pattern = Pattern.compile("(02|0\\d{2})(\\d+)(\\d{4})");
+        Matcher matcher = pattern.matcher(phoneNumberWithoutHyphens);
+        while (matcher.find()) {
+            matcher.appendReplacement(sb, matcher.group(1) + "*".repeat(matcher.group(2).length()) + matcher.group(3));
+        }
+        matcher.appendTail(sb);
+        String maskedPhoneNumber = sb.toString();
+        return phoneNumber.contains("-")
+                ? maskedPhoneNumber.replaceAll("(\\d{2,3})(.{3,4})(\\d{4})", "$1-$2-$3")
+                : maskedPhoneNumber;
+    }
+
+    public static String maskExpireDate(String expireDate) {
+        return expireDate.replaceAll("(\\d{2})(\\d{2})", "$1/$2");
+    }
+
+
+    public static String maskResidentRegistrationNumber(String rrn) {
+        return rrn.replaceAll("(\\d{6}-?\\d{1})(\\d{6})", "$1******");
+    }
+
+    public static String maskIp(String ip) {
+        return ip.replaceAll("^(\\d+)(\\.\\d+\\.\\d+\\.\\d+)$", "***$2");
+    }
+
+
+}