萬事達卡揭開了五年的路線圖，以現代化澳大利亞的付款

萬事達卡揭開了為期五年的路線圖，以現代化澳大利亞的付款。更改包括無數的物理卡，一次性的虛擬卡號碼

Mastercard has unveiled a five-year roadmap to modernise payments in Australia, introducing changes like numberless physical cards, single-use virtual card numbers, biometric checkouts, and real-time settlement.

萬事達卡（MasterCard）揭開了為期五年的路線圖，以現代化澳大利亞的付款現代化，並引入了無數的物理卡，一次性的虛擬卡號，生物識別結帳和實時和解。

The plan aims to mitigate nearly $1 billion in annual card fraud and enhance the speed and security of payments.

該計劃旨在減輕近10億美元的年度卡欺詐，並提高付款的速度和安全性。

For small businesses, Mastercard’s updates could reduce fraud liability, improve cashflow, and limit the amount of customer data they need to store.

對於小型企業，萬事達卡的更新可以減少欺詐責任，提高現金流量並限制所需的客戶數據量。

Importantly, it could also offer more control over outgoing payments for businesses through dynamic funding rules built into banking apps.

重要的是，它還可以通過在銀行應用中內置的動態資金規則為企業提供更多的付款控制。

Tokenisation to replace stored card data

替換存儲的卡數據的象徵化

A key change is the move to tokenisation, which Mastercard has called Click to Pay. Instead of storing or transmitting a 16-digit card number, businesses will store a token — a secure, encrypted version that can’t be reused if stolen. This applies to both one-off payments and recurring charges.

關鍵更改是MasterCard稱之為點擊付款的轉移到Tokenisation。企業不會存儲或傳輸16位數字的卡號，而是存儲一個令牌，這是一個安全的，加密的版本，如果被盜，則無法重複使用。這既適用於一次性付款和經常性費用。

“Retailers adopting Click to Pay means they can still populate their card on file, but they’re actually storing tokens so they’re safer. They can’t be breached,” Richard Wormald, Mastercard’s division president for Australasia, said on a call with SmartCompany.

“零售商採用點擊來支付付款意味著他們仍然可以填充自己的卡，但實際上它們存儲了代幣，因此可以更安全。不能違反。” Mastercard Australasia部門主席Richard Wormald在與SmartCompany的電話中說。

He said the most common source of fraud is a retailer being hacked, with stolen card details reused overseas.

他說，最常見的欺詐來源是被黑客入侵的零售商，被盜的卡細節在海外重新使用。

“Today, the most common source of fraud is a retailer being hacked — the card numbers, expiry dates and three-digit codes all being stolen and then being reused by bad actors overseas. Cross-border fraud is what it’s recorded as, but it’s basically retailers being compromised.”

“如今，最常見的欺詐來源是被黑客入侵的零售商 - 卡數，到期日期和三位數代碼都被偷走了，然後被不良演員在海外重複。

Wormald said Mastercard’s Click to Pay platform will enable full authentication of transactions, moving the fraud liability away from merchants and onto issuing banks.

韋爾馬德說，萬事達卡的點擊付款平台將使交易充分身份驗證，將欺詐責任從商家移開並發行銀行。

He added that retailers would also see better approval rates and would no longer be the source of fraud, as they wouldn’t be storing card numbers.

他補充說，零售商還將看到更好的批准率，並且不再是欺詐的來源，因為它們不會存儲卡數字。

Mastercard is also building tools to allow businesses to deliver offers or loyalty rewards without collecting personal data. These can be shown through the customer’s banking app or at checkout.

萬事達卡還正在建立工具，允許企業在不收集個人數據的情況下提供優惠或忠誠度獎勵。這些可以通過客戶的銀行應用程序或結帳時顯示。

“The retailer doesn’t need the consumers’ data,” Wormald said. “That can be done through the bank channel, with the consumer’s consent.”

“零售商不需要消費者的數據，”沃爾馬德說。 “這可以通過消費者的同意通過銀行渠道來完成。”

“We’re working in this space at the moment… so we could actually have loyalty programs for smaller retailers tokenised and actually not held by the retailer directly.”

“目前我們正在這個領域工作……因此，我們實際上可以為較小的零售商制定忠誠計劃，而零售商實際上不是直接由零售商持有的。”

Lowering data risk for small businesses

降低小型企業的數據風險

Wormald said the changes also reduce the amount of sensitive customer data small businesses need to handle.

韋爾馬德說，這些變化還減少了小型企業需要處理的敏感客戶數據的數量。

“The best way of managing a data breach is not to be holding the data in the first place,” he said.

他說：“管理洩露數據的最佳方法不是首先持有數據。”

“Today, what’s happened is retailers are storing customers’ PII data, and they don’t know what happens to that. So this shift actually means there’s less passing of data in the system than today.”

“今天，發生的事情是零售商正在存儲客戶的PII數據，他們不知道會發生什麼。因此，這種轉變實際上意味著系統中數據的傳遞比今天更少。”

Wormald also confirmed the biometric data and email addresses used for verification in the future will not be passed to merchants.

Wormald還確認了將來用於驗證的生物識別數據和電子郵件地址不會傳遞給商人。

“We have very stringent data privacy rules and also rules around consent,” Wormald said, pointing to Mastercard operating in jurisdictions with even higher regulation such as the European GDPR.

艾馬德說：“我們有非常嚴格的數據隱私規則，也有關於同意的規則。”他指出，在歐洲GDPR等較高法規的司法管轄區中運作的萬事達卡。

“It means we actually have to operate at the highest level everywhere in order to comply,” he said.

他說：“這意味著我們實際上必須在各地的最高水平上運作才能遵守。”

Numberless and single-use card numbers

無數和一次性卡號

The other big change is the removal of 16-digit card numbers from physical Mastercard cards in Australia. Instead, that information will instead be stored in a customer’s banking app.

另一個很大的變化是從澳大利亞的物理萬事達卡卡中刪除了16位數字卡號。相反，該信息將存儲在客戶的銀行應用中。

Consumers will also be able to generate one-time or merchant-specific virtual card numbers. These can be limited to a certain time, value, or store.

消費者還將能夠生成一次性或特定於商人的虛擬卡號。這些可能僅限於一定時間，價值或存儲。

In practice this means that if this number was stolen, it wouldn’t be able to be exploited en masse by a hacker like an ordinary 16-digit number connected to your bank account would be.

實際上，這意味著，如果該號碼被盜，那麼將無法像連接到您的銀行帳戶的普通16位數字那樣被黑客剝削。

“I could spin up a card number that can only work at The Iconic,” Wormald said. “If it gets stolen, it’s actually useless to the hacker.”

沃爾馬德說：“我可以旋轉一個只能在標誌性上使用的卡號。” “如果被盜，它實際上對黑客沒有用。”

He confirmed there will be no limit to how many of these temporary card numbers a user can generate.

他確認，用戶可以生成的這些臨時卡號中有多少限制。

“What we’re trying to do is build the controls into your banking app so you as a consumer can see the places you stored your card.”

“我們正在嘗試做的是將控件構建到您的銀行應用程序中，以便您作為消費者可以看到您存儲的卡的地方。”

Wormald confirmed that consumers will also be able to revoke that consent through their banking apps.

沃爾馬德（Wormald）確認，消費者還將能夠通過其銀行應用程序撤銷該同意書。

Faster payments and better cashflow

更快的付款和更好的現金流

Mastercard is also updating its infrastructure to support real-time card payment settlement. This means businesses could receive their funds faster, without needing to rely on acquirers to front the money.

萬事達卡還正在更新其基礎架構，以支持實時卡支付結算。這意味著企業可以更快地收到其資金，而無需依靠收購方來籌集資金。

“There are three steps in a card transaction. There’s the authorisation, which is when you tap the card. That’s always been real time,” Wormald said.

沃爾馬德說：“卡交易中有三個步驟。有授權，這是您點擊卡片的時候。這一直是實時的。”

“We then have a settlement guarantee… We today operate on T+1. Visa currently operates on T+

“然後我們有一個和解保證……我們今天在T+1上運營。