萬事達在澳大利亞推出第一張無數信用卡

AMP銀行客戶將獲得MasterCard的安全支付技術的訪問權限，包括澳大利亞的第一張無借記卡。

Mastercard is rolling out its first numberless credit card in Australia through a partnership with AMP Bank.

萬事達卡正在與AMP銀行建立合作夥伴關係，在澳大利亞推出了第一張無數信用卡。

According to a recent media release, AMP Bank customers will gain access to Mastercard's secure payment technology, including Australia's first numberless debit card for small businesses.

根據最近的媒體發布，AMP銀行客戶將獲得MasterCard的安全支付技術的訪問，包括澳大利亞的第一張無數借記卡，用於小型企業。

AMP Bank stated that removing visible card numbers will offer stronger protection against fraud and scams while still allowing customers to securely access their details via the bank's app for transactions requiring them.

AMP銀行表示，刪除可見的卡號將為欺詐和騙局提供更強大的保護，同時仍允許客戶通過銀行的應用程序安全地訪問其詳細信息，以進行交易。

The updated AMP Bank app will introduce additional security features, including advanced fraud prevention systems and multimodal biometric authentication. Customers will be encouraged to log in using Face ID or fingerprint recognition, while new users will be required to record a video selfie during sign-up—an extra layer of security aimed at preventing identity theft.

更新的AMP銀行應用程序將引入其他安全功能，包括預防先進的欺詐系統和多模式生物特徵識別驗證。將鼓勵客戶使用Face ID或指紋識別登錄，而新用戶將被要求在註冊期間錄製視頻自拍，這是旨在防止身份盜用的額外安全層。

"Banks must do a better job of supporting the millions of small businesses operating across Australia. That's why we've developed a new mobile banking platform with leading technology designed to make business banking safer and easier," said Sean O'Malley, AMP Bank Group Executive.

AMP銀行Sean O'Malley說：“銀行必須做得更好，以支持在澳大利亞各地運營的數百萬個小型企業。這就是為什麼我們開發了一個新的移動銀行平台，其領先的技術旨在使企業銀行業務更安全，更容易。”小組主管。

Richard Wormald, Division President, Australasia at Mastercard, also highlighted the importance of numberless cards:

萬事達卡市大洋洲部總裁理查德·沃爾馬德（Richard Wormald）也強調了無數卡的重要性：

"This is a significant step forward in payment security, offering cardholders greater protection against fraud and account compromise. Mastercard is proud to partner with AMP Bank to deliver these safeguards to Australian entrepreneurs, allowing them to focus on their businesses rather than worrying about fraud and scams."

“這是付款安全的重要一步，為持卡人提供了更大的保護，以防止欺詐和帳戶妥協。萬事達卡很自豪地與AMP銀行合作，將這些保障措施交付給澳大利亞企業家，使他們能夠專注於業務，而不是擔心欺詐和欺詐和欺詐騙局。”

Mastercard has been laying the groundwork for a cardless future since November 2024, when it announced plans to phase out manual card and password entry in favor of biometric authentication, such as facial recognition and fingerprints.

自2024年11月宣布計劃逐步劃定手動卡和密碼輸入以支持生物特徵識別驗證（例如面部識別和指紋）以來，萬事達卡一直為無卡未來奠定基礎。

By 2030, the company aims to replace static card details with tokenization, a security process introduced a decade ago that replaces sensitive information with unique, randomly generated tokens. This will ensure that all online transactions within Mastercard's network are both tokenized and authenticated, providing a more secure and seamless checkout experience.

到2030年，該公司旨在用令牌化替換靜態卡詳細信息，這是一個十年前引入的安全過程，用獨特的，隨機生成的令牌代替敏感信息。這將確保萬事達卡網絡中的所有在線交易均經過令牌化和身份驗證，從而提供了更安全和無縫的結帳體驗。

The financial giant noted that online fraud rates are seven times higher than in-store fraud due to exposed card numbers. Additionally, nearly two-thirds of shoppers struggle with manual card entry, with 25% abandoning their carts because checkout is too complex or slow.

這家金融巨頭指出，由於裸露的卡號，在線欺詐率是店內欺詐的七倍。此外，將近三分之二的購物者在手動卡入口上掙扎，而25％的購物者放棄了購物車，因為結帳太複雜或緩慢。

"Just like the transition from signing and swiping to tapping cards, we're now moving from manual entry and passwords to seamless, secure payments in just a few clicks," said Jorn Lambert, Chief Product Officer at Mastercard.

MasterCard首席產品官Jorn Lambert說：“就像從簽名和敲擊卡的過渡一樣，我們現在只需單擊幾下從手動輸入和密碼轉移到無縫，安全的付款。”

"This shift will protect sensitive data using advanced encryption and tokenization technologies, providing consumers with greater control, convenience, and peace of mind while also reducing fraud for issuers and unlocking new sales for merchants."

“這種轉變將使用高級加密和代幣化技術來保護敏感數據，從而為消費者提供更大的控制，便利和安心，同時還減少發行人的欺詐行為，並為商人解鎖新的銷售。”

Credit card fraud and identity theft remain major concerns in the UK. In the first half of 2024 alone, criminals stole £571 million through card payment fraud. Notably, 'card not received' fraud—where new or replacement cards are intercepted before reaching their rightful owners—rose by 39%, resulting in £1.9 million in losses.

在英國，信用卡欺詐和身份盜用仍然是主要關注點。僅在2024年上半年，罪犯通過卡支付欺詐就偷走了5.71億英鎊。值得注意的是，“未收到的卡”欺詐（在到達合法所有者之前被截獲了新的或替換卡），將其索要39％，造成了190萬英鎊的損失。

One such case involved Denise George, who fell victim to a 'not received' credit card scam when fraudsters intercepted her new Barclaycard, using it for unauthorized transactions and draining her ISA account. The criminals exploited personal details available on Companies House, making it easier to bypass the bank's security measures.

一個這樣的案件涉及丹尼斯·喬治（Denise George），當欺詐者攔截她的新巴克萊卡（Barclaycard）時，她被授予“未收到”信用卡騙局的受害者，將其用於未經授權的交易並耗盡了她的ISA帳戶。犯罪分子利用了公司房屋可用的個人詳細信息，從而更容易繞過銀行的安全措施。

In total, over £570 million was lost to payment fraud in the first six months of 2024, with £358 million stemming from unauthorized transactions. While 'card not received' fraud remains relatively rare, its sharp rise signals growing concerns over financial security.

在2024年的前六個月中，總共損失了超過5.7億英鎊的付款欺詐，其3.58億英鎊是由於未經授權的交易所致。雖然“未收到的卡”欺詐仍然相對罕見，但其急劇上升的信號越來越擔心財務安全。

Numberless credit cards mark a major advancement in financial security, significantly reducing the risk of fraud. Without visible card details, criminals cannot easily steal information through skimming, phishing, or physical theft. Instead, customers can securely access their card details via banking apps, protected by encryption and biometric authentication.

無數信用卡標誌著金融安全方面的重大進步，大大降低了欺詐的風險。沒有可見的卡細節，犯罪分子將無法輕鬆地通過掠奪，網絡釣魚或盜竊來竊取信息。取而代之的是，客戶可以通過加密和生物識別驗證保護通過銀行應用程序安全地訪問其卡詳細信息。

As the financial industry continues to evolve, Mastercard's move towards biometric and tokenized transactions could set a new standard for secure, seamless payments worldwide.

隨著金融業的不斷發展，萬事達卡邁向生物識別和令牌交易的發展可能會為全球安全，無縫支付的新標準樹立新標準。