使用數字錢包保護信用卡免受數據洩露的3種方法

無論您是在線購物還是親自購物，交出信用卡越來越風險。幸運的是，您不必。

If you're anything like me, then the thought of handing over your credit card online or in person fills you with dread. After all, it feels like there's a new data breach in the news every week. And when a retailer suffers a data breach, they usually have no way of notifying customers quickly enough to cancel and replace any affected cards before thieves begin making contactless payments.

如果您像我一樣，那麼想到在線交出您的信用卡或親自交出您的信用卡會讓您感到恐懼。畢竟，感覺每週都會有新的數據洩露。而且，當零售商遭受數據洩露時，他們通常無法迅速通知客戶，以取消並更換任何受影響的卡，然後盜賊開始進行非接觸式付款。

Of course, if you're shopping in a physical store, then you can use Apple Pay, Google Wallet, or Samsung Wallet on your iPhone, Android phone, or Galaxy phone to keep your payment card credentials safe. But if you're shopping on a website, then you don't have these options. At least, not unless you're shopping at a small selection of e-commerce platforms.

當然，如果您在物理商店購物，則可以在iPhone，Android手機或Galaxy Phone上使用Apple Pay，Google Wallet或Samsung Wallet，以確保您的支付卡憑據安全。但是，如果您在網站上購物，那麼您就沒有這些選擇。至少，除非您在少量的電子商務平台上購物，否則不是。

3Start Using a Digital Wallet

3使用數字錢包開始

When shopping in person, don't pull your credit card out of your wallet unless you have to. You can use your phone instead. iPhones and Android phones alike have the ability to make digital payments. All you have to do is add your cards to Apple Pay or Google Wallet and tap your phone against the same payment terminal you would normally tap your card against. If you have a Galaxy phone, you have the option to use Samsung Wallet instead.

親自購物時，除非有必要，否則不要將您的信用卡從錢包中拉出。您可以使用手機。 iPhone和Android手機都有能力進行數字付款。您所要做的就是將您的卡添加到Apple Pay或Google Wallet中，然後按照通常會在相同的付款終端點擊手機。如果您有銀河手機，則可以選擇使用三星錢包。

Each of these apps keeps your credit cards hidden from the retailer you are doing business with. Instead, they create a virtual token, which is effectively a temporary replacement number to funnel the payment through. The retailer can't track your shopping patterns because your number changes each time. If the retailer suffers a data breach, you don't have to cancel and replace your credit cards. The numbers you used when making purchases are already gone anyway.

這些應用程序中的每一個都可以使您的信用卡隱藏在與您開展業務的零售商中。相反，它們創建了一個虛擬令牌，實際上，該令牌是一個臨時替換號碼，可以通過付款進行匯款。零售商無法跟踪您的購物方式，因為您的電話號碼每次都會發生變化。如果零售商遭受數據洩露，則不必取消並更換信用卡。無論如何，您在購買時使用的數字已經消失了。

I was skeptical at first, but now I get why digital wallets are safe to use.

起初我持懷疑態度，但是現在我明白了為什麼數字錢包安全使用的原因。

2Create Temporary Virtual Burner Cards

2創建臨時虛擬燃燒器卡

These digital wallets are less helpful when shopping online. Some websites accept Google Wallet, for example, but most don't. For an option that you can use on any website, consider using a virtual card instead. Your bank might offer this feature, but if not, you can sign up for the service through a company like Privacy. Privacy's cards are accessible through a web browser and via a mobile app—and yes, virtual cards are also safe to use.

在網上購物時，這些數字錢包的幫助不大。例如，一些網站接受Google錢包，但大多數網站不接受。對於您可以在任何網站上使用的選項，請考慮使用虛擬卡。您的銀行可能會提供此功能，但是如果沒有，您可以通過像隱私這樣的公司註冊服務。通過網絡瀏覽器和移動應用程序可以訪問隱私卡，而且是的，虛擬卡也可以安全使用。

If you're using Privacy, whenever you're ready to make a payment, with a single tap, you create a new card for one-time use or make one to be used exclusively with a single retailer. The latter is helpful for any of your recurring subscriptions, such as Netflix. It's also great for places where you shop frequently but don't pay a monthly fee, like Steam.

如果您使用的是隱私，則只要您準備付款，只需單擊一次，就可以創建一張新卡以供一次性使用或與單個零售商專門使用。後者有助於您的任何重複訂閱，例如Netflix。對於您經常購物但不支付每月費用（例如Steam）的地方也很棒。

Unlike digital wallets, these virtual burner cards are not tied to your existing physical payment cards. Instead, you connect Privacy to a funding source such as your bank account or debit card. Since Privacy lets you track how much money you spend on each virtual card, the service can also be a great help with budgeting.

與數字錢包不同，這些虛擬燃燒器卡沒有與您現有的物理支付卡綁定。相反，您將隱私連接到諸如銀行帳戶或借記卡之類的資金來源。由於隱私使您可以跟踪每張虛擬卡上花費的錢，因此該服務也可以在預算方面有很大的幫助。

1At Least Use PayPal

1至少使用貝寶

If you want to use your existing payment cards, then you can stick to a service like PayPal, at least when you're shopping online. PayPal has been around for decades and is accepted at many websites. It allows you to save all of your payment cards to a single PayPal account, which saves you from having to re-enter your cards every time you check out. PayPal does not provide sellers with your actual card numbers, thus keeping you safe in the event of data breaches.

如果您想使用現有的付款卡，那麼至少在您在線購物時，您可以堅持使用PayPal這樣的服務。貝寶（Paypal）已經存在數十年，並在許多網站上被接受。它使您可以將所有付款卡保存到一個PayPal帳戶，從而使您不必每次退房時都必須重新輸入卡。貝寶（PayPal）不會為賣方提供您的實際卡號，因此在發生數據洩露時使您安全。

Unlike digital wallets such as Apple Pay, Google Wallet, and Samsung Wallet, which are accepted anywhere that accepts NFC payments, PayPal is not something you can use at any store. It's up to a seller's discretion whether to accept PayPal. Amazon is a prime example of one that does not. So, while PayPal can be part of how you secure your cards online, you can't bank on it as your only solution.

與數字錢包（例如Apple Pay，Google Wallet和Samsung Wallet）不同，這些錢包在任何接受NFC付款的地方都可以接受，您在任何商店都無法使用PayPal。是否接受貝寶（Paypal），取決於賣方的酌處權。亞馬遜是一個沒有的典範。因此，儘管PayPal可以成為您在線固定卡的一部分，但您不能將其作為唯一解決方案。

Shopping online has long come with added risks, but since retailers collect and store some of our financial data, shopping in person isn't without risk either. But with the right tools, you can reclaim some of your financial security. Or you could stick to cash.

在線購物長期以來一直帶有增加的風險，但是由於零售商收集並存儲了我們的一些財務數據，因此親自購物也不是沒有風險的。但是有了正確的工具，您可以收回一些財務安全。或者您可以堅持現金。