印度卡式引物化的興起

卡令牌化已迅速改變了印度的數字支付格局。截至2024年12月，已經發行了超過91千萬的代幣，促進了超過3億盧比的交易，價值將近110萬盧比。這種增長壓力了向電子商務增強安全性的轉變，目前有98％的在線交易沒有實際的卡數據。

Card tokenisation has emerged as a powerful tool in India's digital payment revolution. As of December 2024, a staggering 91 crore tokens have been issued, enabling over 320 crore transactions and facilitating payments worth nearly ₹11 lakh crore. This remarkable growth highlights the increasing adoption of tokenisation to enhance e-commerce security, with 98 per cent of online transactions now processed without exposing actual card data.

在印度的數字支付革命中，卡克尼化已成為一種強大的工具。截至2024年12月，已經發行了驚人的91千萬代幣，實現了超過3億盧比的交易，並促進了價值近110萬盧比的付款。這種顯著的增長強調了令牌化的越來越多，以增強電子商務安全性，目前正在處理98％的在線交易而沒有暴露實際的卡數據。

What is Tokenisation?

什麼是像徵性？

In the realm of digital payments, tokenisation is a critical security measure that replaces sensitive card data, such as the 16-digit card number, expiry date, and CVV, with a unique token. This token is generated by the payment network and serves as a substitute for the actual card details during transactions. As a result, merchants and other third parties never handle or store the sensitive card information, significantly reducing the risk of data breaches and fraud.

在數字付款領域，Tokenisation是一種關鍵的安全措施，它取代了具有唯一令牌的敏感卡數據，例如16位卡號，到期日期和CVV。該令牌是由付款網絡生成的，可以替代交易期間的實際卡詳細信息。結果，商人和其他第三方從不處理或存儲敏感的卡信息，從而大大降低了數據洩露和欺詐的風險。

Evolution of Tokenisation in India

印度象徵化的演變

The Reserve Bank of India (RBI) has been at the forefront of promoting card tokenisation to enhance consumer protection and payment security. In October 2022, the central bank mandated businesses to stop storing customer card data on their servers or sharing it with third parties. This policy shift was implemented to strengthen consumer protection measures and ensure that sensitive financial information is not exposed on multiple third-party platforms.

印度儲備銀行（RBI）一直處於促進卡式化的最前沿，以增強消費者的保護和支付安全性。 2022年10月，中央銀行要求企業停止將客戶卡數據存儲在其服務器上或與第三方共享。實施了這種政策轉變，以加強消費者保護措施，並確保不會在多個第三方平台上公開敏感的財務信息。

Against this backdrop, tokenisation has become an essential cog in securing digital payments, reducing the vulnerability of sensitive card data to data breaches, and ultimately protecting consumers from potential financial fraud.

在此背景下，象徵化已成為確保數字付款，減少敏感卡數據漏洞到數據洩露的脆弱性，並最終保護消費者免受潛在財務欺詐的影響。

How Tokenisation Works

象徵性如何有效

The tokenisation process typically involves several steps:

象徵化過程通常涉及幾個步驟：

A customer initiates a purchase on an e-commerce platform or uses a digital payment application.

客戶在電子商務平台上啟動購買或使用數字支付應用程序。

The platform or application sends a request to the payment network along with the customer's card details.

平台或應用程序以及客戶的卡詳細信息將請求發送到付款網絡。

The payment network generates a unique token and securely stores it in its network.

支付網絡會生成獨特的令牌，並將其安全存儲在其網絡中。

The token is then shared with the platform or application, which forwards it to the customer's device.

然後，將令牌與平台或應用程序共享，該平台或應用程序將其轉發到客戶的設備。

During subsequent transactions, the customer's device sends the token to the platform or application, which then transmits it to the payment network for processing.

在隨後的交易中，客戶的設備將令牌發送到平台或應用程序，然後將其傳輸到付款網絡進行處理。

Benefits of Tokenisation

象徵化的好處

Tokenisation offers several key benefits, including:

Tokenisation提供了幾個關鍵好處，包括：

Enhanced Security: By replacing sensitive card data with tokens, tokenisation helps prevent data breaches and fraud, ultimately protecting consumers and businesses.

增強的安全性：通過用令牌替換敏感的卡數據，令牌化有助於防止數據洩露和欺詐，最終保護消費者和企業。

Seamless User Experience: Tokens simplify the payment process, allowing customers to complete transactions quickly and easily without manually entering card details.

無縫用戶體驗：令牌簡化了付款過程，使客戶可以輕鬆，輕鬆完成交易而無需手動輸入卡詳細信息。

Increased Transaction Volume: Tokenisation enables faster transaction processing, which can help increase transaction volumes, especially for high-frequency purchases.

增加交易量：象徵化可以更快地處理交易處理，這可以有助於增加交易量，尤其是對於高頻購買。

Cost-Effective Solution: Compared to other data security methods, tokenisation is a more cost-effective solution for securing payment information.

具有成本效益的解決方案：與其他數據安全方法相比，象徵化是用於確保付款信息的更具成本效益的解決方案。

Tokenisation vs. Encryption

象徵性與加密

While both tokenisation and encryption are techniques used for data security, they differ fundamentally in their approach. Encryption involves scrambling data using a mathematical algorithm and a key, which is then used to decrypt the data. On the other hand, tokenisation replaces sensitive data with non-sensitive tokens that cannot be reversed.

儘管象徵化和加密都是用於數據安全的技術，但它們的方法在根本上有所不同。加密涉及使用數學算法和鍵進行加密數據，然後將其用於解密數據。另一方面，令牌化替代了敏感的數據，用無法逆轉的非敏感令牌。

Moreover, encryption typically requires both the sender and receiver to have the decryption key, while tokenisation does not. This makes tokenisation a more suitable option for scenarios where multiple parties need to handle data without exposing the original values. In the context of digital payments, tokenisation is better suited for protecting card data that needs to be shared between customers, merchants, and payment networks.

此外，加密通常要求發送者和接收器具有解密密鑰，而Tokenisation則沒有。這使Tokenisation成為方案更合適的選項，而多方需要處理數據而無需公開原始值。在數字付款的背景下，令牌化更適合保護需要在客戶，商人和支付網絡之間共享的卡數據。