使用数字钱包保护信用卡免受数据泄露的3种方法

无论您是在线购物还是亲自购物，交出信用卡越来越风险。幸运的是，您不必。

If you're anything like me, then the thought of handing over your credit card online or in person fills you with dread. After all, it feels like there's a new data breach in the news every week. And when a retailer suffers a data breach, they usually have no way of notifying customers quickly enough to cancel and replace any affected cards before thieves begin making contactless payments.

如果您像我一样，那么想到在线交出您的信用卡或亲自交出您的信用卡会让您感到恐惧。毕竟，感觉每周都会有新的数据泄露。而且，当零售商遭受数据泄露时，他们通常无法迅速通知客户，以取消并更换任何受影响的卡，然后盗贼开始进行非接触式付款。

Of course, if you're shopping in a physical store, then you can use Apple Pay, Google Wallet, or Samsung Wallet on your iPhone, Android phone, or Galaxy phone to keep your payment card credentials safe. But if you're shopping on a website, then you don't have these options. At least, not unless you're shopping at a small selection of e-commerce platforms.

当然，如果您在物理商店购物，则可以在iPhone，Android手机或Galaxy Phone上使用Apple Pay，Google Wallet或Samsung Wallet，以确保您的支付卡凭据安全。但是，如果您在网站上购物，那么您就没有这些选择。至少，除非您在少量的电子商务平台上购物，否则不是。

3Start Using a Digital Wallet

3使用数字钱包开始

When shopping in person, don't pull your credit card out of your wallet unless you have to. You can use your phone instead. iPhones and Android phones alike have the ability to make digital payments. All you have to do is add your cards to Apple Pay or Google Wallet and tap your phone against the same payment terminal you would normally tap your card against. If you have a Galaxy phone, you have the option to use Samsung Wallet instead.

亲自购物时，除非有必要，否则不要将您的信用卡从钱包中拉出。您可以使用手机。 iPhone和Android手机都有能力进行数字付款。您所要做的就是将您的卡添加到Apple Pay或Google Wallet中，然后按照通常会在相同的付款终端点击手机。如果您有银河手机，则可以选择使用三星钱包。

Each of these apps keeps your credit cards hidden from the retailer you are doing business with. Instead, they create a virtual token, which is effectively a temporary replacement number to funnel the payment through. The retailer can't track your shopping patterns because your number changes each time. If the retailer suffers a data breach, you don't have to cancel and replace your credit cards. The numbers you used when making purchases are already gone anyway.

这些应用程序中的每一个都可以使您的信用卡隐藏在与您开展业务的零售商中。相反，它们创建了一个虚拟令牌，实际上，该令牌是一个临时替换号码，可以通过付款进行汇款。零售商无法跟踪您的购物方式，因为您的电话号码每次都会发生变化。如果零售商遭受数据泄露，则不必取消并更换信用卡。无论如何，您在购买时使用的数字已经消失了。

I was skeptical at first, but now I get why digital wallets are safe to use.

起初我持怀疑态度，但是现在我明白了为什么数字钱包安全使用的原因。

2Create Temporary Virtual Burner Cards

2创建临时虚拟燃烧器卡

These digital wallets are less helpful when shopping online. Some websites accept Google Wallet, for example, but most don't. For an option that you can use on any website, consider using a virtual card instead. Your bank might offer this feature, but if not, you can sign up for the service through a company like Privacy. Privacy's cards are accessible through a web browser and via a mobile app—and yes, virtual cards are also safe to use.

在网上购物时，这些数字钱包的帮助不大。例如，一些网站接受Google钱包，但大多数网站不接受。对于您可以在任何网站上使用的选项，请考虑使用虚拟卡。您的银行可能会提供此功能，但是如果没有，您可以通过像隐私这样的公司注册服务。通过网络浏览器和移动应用程序可以访问隐私卡，而且是的，虚拟卡也可以安全使用。

If you're using Privacy, whenever you're ready to make a payment, with a single tap, you create a new card for one-time use or make one to be used exclusively with a single retailer. The latter is helpful for any of your recurring subscriptions, such as Netflix. It's also great for places where you shop frequently but don't pay a monthly fee, like Steam.

如果您使用的是隐私，则只要您准备付款，只需单击一次，就可以创建一张新卡以供一次性使用或与单个零售商专门使用。后者有助于您的任何重复订阅，例如Netflix。对于您经常购物但不支付每月费用（例如Steam）的地方也很棒。

Unlike digital wallets, these virtual burner cards are not tied to your existing physical payment cards. Instead, you connect Privacy to a funding source such as your bank account or debit card. Since Privacy lets you track how much money you spend on each virtual card, the service can also be a great help with budgeting.

与数字钱包不同，这些虚拟燃烧器卡没有与您现有的物理支付卡绑定。相反，您将隐私连接到诸如银行帐户或借记卡之类的资金来源。由于隐私使您可以跟踪每张虚拟卡上花费的钱，因此该服务也可以在预算方面有很大的帮助。

1At Least Use PayPal

1至少使用贝宝

If you want to use your existing payment cards, then you can stick to a service like PayPal, at least when you're shopping online. PayPal has been around for decades and is accepted at many websites. It allows you to save all of your payment cards to a single PayPal account, which saves you from having to re-enter your cards every time you check out. PayPal does not provide sellers with your actual card numbers, thus keeping you safe in the event of data breaches.

如果您想使用现有的付款卡，那么至少在您在线购物时，您可以坚持使用PayPal这样的服务。贝宝（Paypal）已经存在数十年，并在许多网站上被接受。它使您可以将所有付款卡保存到一个PayPal帐户，从而使您不必每次退房时都必须重新输入卡。贝宝（PayPal）不会为卖方提供您的实际卡号，因此在发生数据泄露时使您安全。

Unlike digital wallets such as Apple Pay, Google Wallet, and Samsung Wallet, which are accepted anywhere that accepts NFC payments, PayPal is not something you can use at any store. It's up to a seller's discretion whether to accept PayPal. Amazon is a prime example of one that does not. So, while PayPal can be part of how you secure your cards online, you can't bank on it as your only solution.

与数字钱包（例如Apple Pay，Google Wallet和Samsung Wallet）不同，这些钱包在任何接受NFC付款的地方都可以接受，您在任何商店都无法使用PayPal。是否接受贝宝（Paypal），取决于卖方的酌处权。亚马逊是一个没有的典范。因此，尽管PayPal可以成为您在线固定卡的一部分，但您不能将其作为唯一解决方案。

Shopping online has long come with added risks, but since retailers collect and store some of our financial data, shopping in person isn't without risk either. But with the right tools, you can reclaim some of your financial security. Or you could stick to cash.

在线购物长期以来一直带有增加的风险，但是由于零售商收集并存储了我们的一些财务数据，因此亲自购物也不是没有风险的。但是有了正确的工具，您可以收回一些财务安全。或者您可以坚持现金。