代幣化：這項技術改變了我們對付款安全的看法

付款所需的一切都是一些信息。過去，卡號，到期日期和名稱是在線購買商品所需的一切。

All that’s needed for a payment to go through is a little information. It used to be that a card number, expiry date and name were all that was required to buy goods online. Then, CCVs (credit card verification numbers) were introduced, and today, depending on where you’re shopping, you might also be sharing your IP address, location and even your recent social media activity.

付款所需的一切都是一些信息。過去，卡號，到期日期和名稱是在線購買商品所需的一切。然後，引入了CCV（信用卡驗證號），今天，根據您購物的位置，您可能還分享了您的IP地址，位置甚至最近的社交媒體活動。

This increasing demand for information is driven by a need for security. According to research from Nord VPN, stolen payment details can be purchased for as little as $10 on the dark web. Payment processors know fraudsters are unlikely to have access to all the data required to impersonate a genuine customer. Consequently, the more data, the better the fraud prevention. However, this approach also introduces significant risks. Sharing vast amounts of personal data digitally creates opportunities for bad actors to intercept and misuse sensitive information.

對信息的需求不斷增長，這是由對安全的需求驅動的。根據NORD VPN的研究，可在Dark Web上購買盜竊的付款細節。付款處理器知道，欺詐者不太可能訪問模仿真正客戶所需的所有數據。因此，數據越多，預防欺詐越好。但是，這種方法還引入了重大風險。分享大量的個人數據數字化為不良演員攔截和濫用敏感信息創造了機會。

What if there were a way to secure your card information so that even if it were stolen, it would be useless? Enter tokenization: a technology transforming how we think about payment security.

如果有一種方法可以保護您的卡信息，以便即使被盜，也將是沒有用的？輸入令牌化：一種技術，可以改變我們對付款安全的看法。

What Is tokenization?Tokenization replaces your 16-digit card number with a unique, randomized sequence known as a “token.” Unlike the original card number, these tokens are meaningless outside the payment network that issued them. If hackers access a database containing tokens, they’ll find them useless because only the payment network can decrypt and process them.

什麼是令牌化？令牌化用獨特的隨機序列替代了您的16位卡號，稱為“令牌”。與原始卡號不同，這些令牌在發行它們的支付網絡之外毫無意義。如果黑客訪問包含令牌的數據庫，他們會發現它們毫無用處，因為只有支付網絡才能解密和處理它們。

First introduced in 2013 as a security standard, tokenization quickly gained traction. By 2014, Mastercard launched its Digital Enablement Service to secure billions of transactions annually. Today, tokenization is a cornerstone of secure digital payments.

標記於2013年首次作為安全標準引入，迅速獲得了吸引力。到2014年，萬事達卡啟動了數字支持服務，以每年獲得數十億美元的交易。如今，令牌化是安全數字支付的基石。

How tokenization worksWhen you input your card details into a digital wallet or an online merchant’s site, the payment system requests a token from the payment network. This token is stored in place of your actual card number.

您如何將您的卡詳細信息輸入數字錢包或在線商人的網站中，付款系統向付款網絡請求令牌。此令牌存儲代替您的實際卡號。

For example, if you save your card details with an e-commerce site, the site stores the token rather than your real card data. During a transaction, the token is combined with a one-time cryptogram generated by your device or merchant account to authenticate the payment securely.

例如，如果您使用電子商務網站保存卡詳細信息，則該網站存儲令牌，而不是您的真實卡數據。在交易期間，令牌與設備或商家帳戶生成的一次性密碼圖結合使用，以安全地驗證付款。

Benefits of tokenizationTokenization offers multiple benefits for consumers and merchants alike:

令牌化的好處為消費者和商人提供了多種好處：

Enhanced security: Tokens eliminate the need for merchants to store sensitive card details, reducing the risk of data breaches. Even if a hacker gains access to stored tokens, they’re useless without the corresponding payment network.

增強的安全性：令牌消除了商人需要存儲敏感卡詳細信息的需求，從而降低了數據洩露的風險。即使黑客可以訪問存儲的令牌，也沒有相應的支付網絡，它們也沒有用。

Improved fraud prevention: Transactions using tokens are less likely to be fraudulent. This also means fewer false declines, leading to a smoother checkout experience for customers.

改善欺詐預防：使用代幣交易的可能性較小。這也意味著更少的錯誤下降，從而為客戶提供了更平滑的結帳體驗。

Seamless continuity: If your physical card is lost or expires, tokenized transactions can continue uninterrupted. The payment network updates the token automatically when your card details change.

無縫連續性：如果您的物理卡丟失或到期，則代幣交易可能會繼續不間斷。當您的卡詳細信息更改時，付款網絡會自動更新令牌。

Simplified compliance: Merchants using tokenization reduce their burden of complying with Payment Card Industry Data Security Standards (PCI DSS), saving time and resources.

簡化的合規性：使用代幣化的商人減輕了遵守支付卡行業數據安全標準（PCI DSS）的負擔，節省了時間和資源。

The evolution of tokenizationInitially, tokenization systems were proprietary and limited in scope. Merchants had to rely on specific payment processors, creating “walled gardens” of tokens that lacked interoperability. This often led to inefficiencies and restricted merchants’ ability to optimize their payment systems.

令牌化的演變，在範圍內是專有的，範圍有限。商人不得不依靠特定的付款處理器，創建缺乏互操作性的“圍牆花園”。這通常導致效率低下和限製商人優化其支付系統的能力。

Today, network tokens — issued directly by payment networks like Mastercard — have revolutionized the process. Unlike traditional tokens, network tokens are interoperable across platforms, gateways and merchants. They provide additional benefits, such as lower processing fees and automatic updates when card details change.

如今，由MasterCard等付款網絡直接發布的網絡令牌已徹底改變了該過程。與傳統令牌不同，網絡令牌在平台，網關和商人之間可互操作。它們提供其他好處，例如當卡詳細信息更改時，較低的處理費和自動更新。

The role of network tokenizationNetwork tokenization reduces fraud by as much as 26% without adding friction for customers. It also ensures that expired cards don’t disrupt transactions. When a card’s expiration date changes, the network token updates automatically, eliminating the need for customers to re-enter their information.

網絡Tokenization Network令牌化的作用可將欺詐減少多達26％，而不會增加客戶的摩擦。它還確保過期的卡不會破壞交易。當卡的到期日期變化時，網絡令牌會自動更新，從而消除了客戶重新輸入信息的需求。

This seamless experience benefits merchants, too. Higher authorization rates, typically ranging from 3% to 13%, can significantly impact revenue in high-volume sectors like e-commerce and digital goods. Network tokens also enable advanced features like “Click to Pay” and biometric authentication, creating a frictionless payment experience for customers.

這種無縫的體驗也使商人受益。較高的授權率通常從3％到13％不等，可能會嚴重影響電子商務和數字商品等高批量領域的收入。網絡令牌還啟用了高級功能，例如“點擊付款”和生物識別身份驗證，為客戶創造無摩擦付款體驗。

Tokenization in action: SolidgateTokenization doesn’t just enhance security — it also simplifies operations for merchants. Storing tokens instead of raw card data reduces PCI DSS compliance challenges and protects customer information in the event of a breach. Additionally, the ability of network tokenization to maintain seamless transactions helps merchants retain customers and improve conversion rates.

行動中的令牌化：solidgateTokenization不僅增強了安全性 - 還簡化了商人的操作。存儲令牌而不是原始卡數據會減少PCI DSS合規性挑戰，並在違反時保護客戶信息。此外，網絡令牌維護無縫交易的能力有助於商人保留客戶並提高轉化率。

Solidgate is an ambitious payment processor, laser-focused on the goal of processing $100 billion USD in transactions in the next five years. Subscriptions are a major source of their revenue, and that comes with challenges. On one hand, subscriptions should mean predictable sources of revenue, but in practice, they are complex and difficult to master, hence why there is so much emphasis on controlling ‘churn’. Having a repeat payment fail significantly raises the possibility of a customer deciding to discontinue their subscription, so it is really important that acceptance rates are as high

Solidgate是一家雄心勃勃的付款處理器，以激光為專注的目標是在未來五年內處理1000億美元的交易。訂閱是其收入的主要來源，並帶來挑戰。一方面，訂閱應意味著可預測的收入來源，但實際上，它們很複雜且難以掌握，因此為什麼如此強調控制“流失”。重複付款失敗大大提高了客戶決定終止訂閱的可能性，因此接受率很高，這一點很重要