萬事達卡計劃擺脫信用卡號。我們可能會走向卡的盡頭

付款技術以這樣的速度提高了，可能不久之後的信用卡是多餘的。 2025年2月4日萬事達卡宣布

Mastercard is planning to remove the 16-digit credit card number from its cards by 2030 in a bid to stamp out identity theft and fraudulent use of cards.

萬事達卡計劃在2030年之前從其卡中刪除16位信用卡號碼，以淘汰身份盜用和欺詐性使用卡。

The numbers currently used to identify cards will be replaced with tokenisation and biometric authentication.

當前用於識別卡的數字將被令牌化和生物識別身份驗證所取代。

Mastercard already added biometric options in 2022, enabling payments to be made with a smile or wave of the hand.

萬事達卡在2022年已經添加了生物識別選項，從而使付款能夠以微笑或手浪潮進行。

Tokenisation converts the 16-digit card number into a different number – or token – stored on your device, so card information is never shared when you tap your card or phone or make payments online.

Tokenisation將16位卡號轉換為存儲在設備上的不同數字或令牌，因此當您點擊卡或電話或在線付款時，永遠不會共享卡信息。

The first rollout of these numberless cards will be through a partnership with AMP Bank, but it is expected other banks will follow in the coming 12 months.

這些無數卡的首次推出將是通過與AMP銀行的合作夥伴關係，但是預計未來12個月其他銀行將隨之而來。

Why card security is important There is nothing quite like the sinking feeling after receiving a call or text from your bank asking about the legitimacy of a card transaction.

為什麼卡安全性很重要，沒有什麼比從銀行接到電話或短信後的沉沒感覺更重要的，詢問卡交易的合法性。

In 2023-2024 the total value of card fraud in Australia was A$868 million, up from $677.5 million the previous financial year.

在2023 - 2024年，澳大利亞的卡欺詐總價值為8.68億美元，高於上一個財政年度的6.775億美元。

Credit card numbers and payment details are often exposed in major data breaches affecting large and small businesses.

信用卡號和付款方式通常會以影響大型和小型企業的重大數據洩露事件暴露。

Late last year, the US Federal Trade Commission took action against the Marriott and Starwood Hotels for lax data security. More than 300 million customers worldwide were affected.

去年年底，美國聯邦貿易委員會對萬豪酒店和喜達屋酒店採取了行動，以尋求寬鬆的數據安全。全球超過3億客戶受到影響。

Event ticketing company Ticketmaster was also hacked last year. The details of several hundred million customers, including names, addresses, credit card numbers, phone numbers and payment details were illegally accessed.

活動票務公司Ticketmaster去年也被黑客入侵。非法訪問了數億客戶的詳細信息，包括名稱，地址，信用卡號，電話號碼和付款詳細信息。

So-called “card-not-present fraud”, where an offender processes an unauthorised transaction without having the card in their physical possession, accounts for 92% of all card fraud in Australia. This rose 29% in the last financial year.

所謂的“卡片非欺詐行為”，罪犯在沒有授權的情況下處理未經授權的交易，佔澳大利亞所有卡欺詐的92％。在上一個財政年度，這增長了29％。

The Card Verification Value (CVV) (or three-digit number on the back of a credit card) aimed to ensure the person making the transaction had the physical card in their hands. But it is clearly ineffective.

卡驗證值（CVV）（或信用卡背面的三位數號）旨在確保完成交易的人手中有實體卡。但這顯然是無效的。

Benefits of removing credit card numbers Removing the credit card number is the latest attempt to curb fraud. Removing numbers stops fraudsters processing unauthorised card-not-present transactions.

刪除信用卡號刪除信用卡號的好處是遏制欺詐的最新嘗試。刪除數字阻止欺詐者處理未經授權的卡非訪問交易。

It also reduces the potential for financial damage of victims exposed in data breaches, if organisations are no longer able to store these payment details.

如果組織不再能夠存儲這些付款詳細信息，它還減少了在數據洩露中暴露的受害者的財務損害的可能性。

The storage of personal information is a contested issue. For example, the 2022 Optus data breach exposed information from customers who had previously held accounts with the telco back in 2018.

個人信息的存儲是一個有爭議的問題。例如，2022年Optus數據洩露的信息來自以前曾在2018年與電信公司持有帳戶的客戶。

Removing the ability of organisations to store payment details in the first place, removes the risk of this information being exposed in any future attack.

首先刪除組織存儲付款詳細信息的能力，消除了這些信息在以後的任何攻擊中被暴露的風險。

While any efforts to reduce fraud are welcome, this new approach raises some new issues to consider.

雖然歡迎減少欺詐的任何努力，但這種新方法提出了一些新的問題要考慮。

Potential problems with the new system Mastercard has said customers will use tokens generated by the customer’s banking app or biometric authentication instead of card numbers.

新系統MasterCard的潛在問題表示，客戶將使用客戶的銀行應用程序或生物識別驗證而不是卡號生成的令牌。

This is likely to be an easy transition for customers who use mobile banking.

對於使用移動銀行業務的客戶而言，這很容易過渡。

However, the use of digital banking is not universal. Many senior consumers and those with a disability don’t use digital banking services. They would be excluded from the new protections.

但是，數字銀行的使用並不普遍。許多高級消費者和殘疾人不使用數字銀行服務。它們將被排除在新保護措施之外。

While strengthening the security attached to credit cards, removing numbers shifts the vulnerability to mobile phones and telecommunication providers.

在加強信用卡附帶的安全性的同時，刪除數字將脆弱性轉移到了手機和電信提供商。

Offenders already access victims’ phones through mobile porting and impersonation scams. These attacks are likely to escalate as new ways to exploit potential vulnerabilities are found.

罪犯已經通過移動移植和模仿騙局訪問受害者的電話。隨著發現潛在漏洞的新方法，這些攻擊可能會升級。

There are also concerns about biometrics. Unlike credit card details, which can be replaced when exposed in a data breach, biometrics are fixed. Shifting a focus to biometrics will increase the attractiveness of this data, and potentially opens victims up to ongoing, irreversible damage.

對生物識別技術也有擔憂。與信用卡詳細信息（可以在數據洩露中暴露時可以替換）不同，生物識別是固定的。將重點轉移到生物識別方面將提高這些數據的吸引力，並有可能使受害者遭受持續不可逆轉的損害。

While not as common, breaches of biometric data do occur.

雖然並不常見，但確實會發生生物識別數據。

For example, web-based security platform BioStar 2 in the UK exposed the fingerprints and facial recognition details of over one million people. Closer to home, IT provider to entertainment companies Outabox is alleged to have exposed facial recognition data of more than one million Australians.

例如，英國基於Web的安全平台Biostar 2揭示了超過一百萬人的指紋和麵部識別細節。據稱，IT在家裡靠近娛樂公司Outabox的提供商已暴露了超過一百萬澳大利亞人的面部識別數據。

Will we really need cards in the future? While removing the numbers may reduce credit card fraud, emerging smart retail technologies may remove the need for cards all together.

將來我們真的需要卡嗎？在刪除數字可能會減少信用卡欺詐的同時，新興的智能零售技術可能會一起消除對卡的需求。

Smartphone payments are already becoming the norm, removing the need for physical cards. GlobalData revealed a 58% growth in mobile wallet payments in Australia in 2023, to $146.9 billion. In October 2024, 44% of payments were “device-present” transactions.

智能手機付款已經成為常態，消除了對實體卡的需求。 GlobalData顯示，澳大利亞的移動錢包支付在2023年增長了58％，達到1469億美元。 2024年10月，有44％的付款是“設備持有”的交易。

Amazon’s innovative “Just-Walk-Out” technology has also removed the need for consumers to bring a physical credit or debit card all together.

亞馬遜的創新“ Just-walk-tack”技術還消除了消費者將物理信用卡或借記卡匯總在一起的需求。

This technology is available at more than 70 Amazon-owned stores, and at more than 85 third-party locations across the US, UK, and Australia. These

這項技術可在70多家亞馬遜擁有的商店以及美國，英國和澳大利亞的85個以上的第三方地點提供。這些