万事达在澳大利亚推出第一张无数信用卡

AMP银行客户将获得MasterCard的安全支付技术的访问权限，包括澳大利亚的第一张无借记卡。

Mastercard is rolling out its first numberless credit card in Australia through a partnership with AMP Bank.

万事达卡正在与AMP银行建立合作伙伴关系，在澳大利亚推出了第一张无数信用卡。

According to a recent media release, AMP Bank customers will gain access to Mastercard's secure payment technology, including Australia's first numberless debit card for small businesses.

根据最近的媒体发布，AMP银行客户将获得MasterCard的安全支付技术的访问，包括澳大利亚的第一张无数借记卡，用于小型企业。

AMP Bank stated that removing visible card numbers will offer stronger protection against fraud and scams while still allowing customers to securely access their details via the bank's app for transactions requiring them.

AMP银行表示，删除可见的卡号将为欺诈和骗局提供更强大的保护，同时仍允许客户通过银行的应用程序安全地访问其详细信息，以进行交易。

The updated AMP Bank app will introduce additional security features, including advanced fraud prevention systems and multimodal biometric authentication. Customers will be encouraged to log in using Face ID or fingerprint recognition, while new users will be required to record a video selfie during sign-up—an extra layer of security aimed at preventing identity theft.

更新的AMP银行应用程序将引入其他安全功能，包括高级欺诈预防系统和多模式生物特征识别验证。将鼓励客户使用Face ID或指纹识别登录，而新用户将被要求在注册期间录制视频自拍，这是旨在防止身份盗用的额外安全层。

"Banks must do a better job of supporting the millions of small businesses operating across Australia. That's why we've developed a new mobile banking platform with leading technology designed to make business banking safer and easier," said Sean O'Malley, AMP Bank Group Executive.

AMP银行Sean O'Malley说：“银行必须做得更好，以支持在澳大利亚各地运营的数百万个小型企业。这就是为什么我们开发了一个新的移动银行平台，其领先的技术旨在使企业银行业务更安全，更容易。”小组主管。

Richard Wormald, Division President, Australasia at Mastercard, also highlighted the importance of numberless cards:

万事达卡市大洋洲部总裁理查德·沃尔马德（Richard Wormald）也强调了无数卡的重要性：

"This is a significant step forward in payment security, offering cardholders greater protection against fraud and account compromise. Mastercard is proud to partner with AMP Bank to deliver these safeguards to Australian entrepreneurs, allowing them to focus on their businesses rather than worrying about fraud and scams."

“这是付款安全的重要一步，为持卡人提供了更大的保护，以防止欺诈和帐户妥协。万事达卡很自豪地与AMP银行合作，将这些保障措施交付给澳大利亚企业家，使他们能够专注于业务，而不是担心欺诈和欺诈和欺诈骗局。”

Mastercard has been laying the groundwork for a cardless future since November 2024, when it announced plans to phase out manual card and password entry in favor of biometric authentication, such as facial recognition and fingerprints.

自2024年11月宣布计划逐步划定手动卡和密码输入以支持生物特征识别验证（例如面部识别和指纹）以来，万事达卡一直为无卡未来奠定基础。

By 2030, the company aims to replace static card details with tokenization, a security process introduced a decade ago that replaces sensitive information with unique, randomly generated tokens. This will ensure that all online transactions within Mastercard's network are both tokenized and authenticated, providing a more secure and seamless checkout experience.

到2030年，该公司旨在用令牌化替换静态卡详细信息，这是一个十年前引入的安全过程，用独特的，随机生成的令牌代替敏感信息。这将确保万事达卡网络中的所有在线交易均经过令牌化和身份验证，从而提供了更安全和无缝的结帐体验。

The financial giant noted that online fraud rates are seven times higher than in-store fraud due to exposed card numbers. Additionally, nearly two-thirds of shoppers struggle with manual card entry, with 25% abandoning their carts because checkout is too complex or slow.

这家金融巨头指出，由于裸露的卡号，在线欺诈率是店内欺诈的七倍。此外，将近三分之二的购物者在手动卡入口上挣扎，而25％的购物者放弃了购物车，因为结帐太复杂或缓慢。

"Just like the transition from signing and swiping to tapping cards, we're now moving from manual entry and passwords to seamless, secure payments in just a few clicks," said Jorn Lambert, Chief Product Officer at Mastercard.

MasterCard首席产品官Jorn Lambert说：“就像从签名和敲击卡的过渡一样，我们现在只需单击几下从手动输入和密码转移到无缝，安全的付款。”

"This shift will protect sensitive data using advanced encryption and tokenization technologies, providing consumers with greater control, convenience, and peace of mind while also reducing fraud for issuers and unlocking new sales for merchants."

“这种转变将使用高级加密和代币化技术来保护敏感数据，从而为消费者提供更大的控制，便利和安心，同时还减少发行人的欺诈行为，并为商人解锁新的销售。”

Credit card fraud and identity theft remain major concerns in the UK. In the first half of 2024 alone, criminals stole £571 million through card payment fraud. Notably, 'card not received' fraud—where new or replacement cards are intercepted before reaching their rightful owners—rose by 39%, resulting in £1.9 million in losses.

在英国，信用卡欺诈和身份盗用仍然是主要关注点。仅在2024年上半年，罪犯通过卡支付欺诈就偷走了5.71亿英镑。值得注意的是，“未收到的卡”欺诈（在到达合法所有者之前被截获了新的或替换卡），将其索要39％，造成了190万英镑的损失。

One such case involved Denise George, who fell victim to a 'not received' credit card scam when fraudsters intercepted her new Barclaycard, using it for unauthorized transactions and draining her ISA account. The criminals exploited personal details available on Companies House, making it easier to bypass the bank's security measures.

一个这样的案件涉及丹尼斯·乔治（Denise George），当欺诈者拦截她的新巴克莱卡（Barclaycard）时，她被授予“未收到”信用卡骗局的受害者，将其用于未经授权的交易并耗尽了她的ISA帐户。犯罪分子利用了公司房屋可用的个人详细信息，从而更容易绕过银行的安全措施。

In total, over £570 million was lost to payment fraud in the first six months of 2024, with £358 million stemming from unauthorized transactions. While 'card not received' fraud remains relatively rare, its sharp rise signals growing concerns over financial security.

在2024年的前六个月中，总共损失了超过5.7亿英镑的付款欺诈，其3.58亿英镑是由于未经授权的交易所致。虽然“未收到的卡”欺诈仍然相对罕见，但其急剧上升的信号越来越担心财务安全。

Numberless credit cards mark a major advancement in financial security, significantly reducing the risk of fraud. Without visible card details, criminals cannot easily steal information through skimming, phishing, or physical theft. Instead, customers can securely access their card details via banking apps, protected by encryption and biometric authentication.

无数信用卡标志着金融安全方面的重大进步，大大降低了欺诈的风险。没有可见的卡细节，犯罪分子将无法轻松地通过掠夺，网络钓鱼或盗窃来窃取信息。取而代之的是，客户可以通过加密和生物识别验证保护通过银行应用程序安全地访问其卡详细信息。

As the financial industry continues to evolve, Mastercard's move towards biometric and tokenized transactions could set a new standard for secure, seamless payments worldwide.

随着金融业的不断发展，万事达卡迈向生物识别和令牌交易的发展可能会为全球安全，无缝支付的新标准树立新标准。