万事达卡揭开了五年的路线图，以现代化澳大利亚的付款

万事达卡揭开了为期五年的路线图，以现代化澳大利亚的付款。更改包括无数的物理卡，一次性的虚拟卡号码

Mastercard has unveiled a five-year roadmap to modernise payments in Australia, introducing changes like numberless physical cards, single-use virtual card numbers, biometric checkouts, and real-time settlement.

万事达卡（MasterCard）揭开了为期五年的路线图，以现代化澳大利亚的付款现代化，并引入了无数的物理卡，一次性的虚拟卡号，生物识别结帐和实时和解。

The plan aims to mitigate nearly $1 billion in annual card fraud and enhance the speed and security of payments.

该计划旨在减轻近10亿美元的年度卡欺诈，并提高付款的速度和安全性。

For small businesses, Mastercard’s updates could reduce fraud liability, improve cashflow, and limit the amount of customer data they need to store.

对于小型企业，万事达卡的更新可以减少欺诈责任，提高现金流量并限制所需的客户数据量。

Importantly, it could also offer more control over outgoing payments for businesses through dynamic funding rules built into banking apps.

重要的是，它还可以通过在银行应用中内置的动态资金规则为企业提供更多的付款控制。

Tokenisation to replace stored card data

替换存储的卡数据的象征化

A key change is the move to tokenisation, which Mastercard has called Click to Pay. Instead of storing or transmitting a 16-digit card number, businesses will store a token — a secure, encrypted version that can’t be reused if stolen. This applies to both one-off payments and recurring charges.

关键更改是MasterCard称之为点击付款的转移到Tokenisation。企业不会存储或传输16位数字的卡号，而是存储一个令牌，这是一个安全的，加密的版本，如果被盗，则无法重复使用。这既适用于一次性付款和经常性费用。

“Retailers adopting Click to Pay means they can still populate their card on file, but they’re actually storing tokens so they’re safer. They can’t be breached,” Richard Wormald, Mastercard’s division president for Australasia, said on a call with SmartCompany.

“零售商采用点击来支付付款意味着他们仍然可以填充自己的卡，但实际上它们存储了代币，因此可以更安全。不能违反。” Mastercard Australasia部门主席Richard Wormald在与SmartCompany的电话中说。

He said the most common source of fraud is a retailer being hacked, with stolen card details reused overseas.

他说，最常见的欺诈来源是被黑客入侵的零售商，被盗的卡细节在海外重新使用。

“Today, the most common source of fraud is a retailer being hacked — the card numbers, expiry dates and three-digit codes all being stolen and then being reused by bad actors overseas. Cross-border fraud is what it’s recorded as, but it’s basically retailers being compromised.”

“如今，最常见的欺诈来源是被黑客入侵的零售商 - 卡数，到期日期和三位数代码都被偷走了，然后被不良演员在海外重复。

Wormald said Mastercard’s Click to Pay platform will enable full authentication of transactions, moving the fraud liability away from merchants and onto issuing banks.

韦尔马德说，万事达卡的点击付款平台将使交易充分身份验证，将欺诈责任从商家移开并发行银行。

He added that retailers would also see better approval rates and would no longer be the source of fraud, as they wouldn’t be storing card numbers.

他补充说，零售商还将看到更好的批准率，并且不再是欺诈的来源，因为它们不会存储卡数字。

Mastercard is also building tools to allow businesses to deliver offers or loyalty rewards without collecting personal data. These can be shown through the customer’s banking app or at checkout.

万事达卡还正在建立工具，允许企业在不收集个人数据的情况下提供优惠或忠诚度奖励。这些可以通过客户的银行应用程序或结帐时显示。

“The retailer doesn’t need the consumers’ data,” Wormald said. “That can be done through the bank channel, with the consumer’s consent.”

“零售商不需要消费者的数据，”沃尔马德说。 “这可以通过消费者的同意通过银行渠道来完成。”

“We’re working in this space at the moment… so we could actually have loyalty programs for smaller retailers tokenised and actually not held by the retailer directly.”

“目前我们正在这个领域工作……因此，我们实际上可以为较小的零售商制定忠诚计划，而零售商实际上不是直接由零售商持有的。”

Lowering data risk for small businesses

降低小型企业的数据风险

Wormald said the changes also reduce the amount of sensitive customer data small businesses need to handle.

韦尔马德说，这些变化还减少了小型企业需要处理的敏感客户数据的数量。

“The best way of managing a data breach is not to be holding the data in the first place,” he said.

他说：“管理泄露数据的最佳方法不是首先持有数据。”

“Today, what’s happened is retailers are storing customers’ PII data, and they don’t know what happens to that. So this shift actually means there’s less passing of data in the system than today.”

“今天，发生的事情是零售商正在存储客户的PII数据，他们不知道会发生什么。因此，这种转变实际上意味着系统中数据的传递比今天更少。”

Wormald also confirmed the biometric data and email addresses used for verification in the future will not be passed to merchants.

Wormald还确认了将来用于验证的生物识别数据和电子邮件地址不会传递给商人。

“We have very stringent data privacy rules and also rules around consent,” Wormald said, pointing to Mastercard operating in jurisdictions with even higher regulation such as the European GDPR.

艾马德说：“我们有非常严格的数据隐私规则，也有关于同意的规则。”他指出，在欧洲GDPR等较高法规的司法管辖区中运作的万事达卡。

“It means we actually have to operate at the highest level everywhere in order to comply,” he said.

他说：“这意味着我们实际上必须在各地的最高水平上运作才能遵守。”

Numberless and single-use card numbers

无数和一次性卡号

The other big change is the removal of 16-digit card numbers from physical Mastercard cards in Australia. Instead, that information will instead be stored in a customer’s banking app.

另一个很大的变化是从澳大利亚的物理万事达卡卡中删除了16位数字卡号。相反，该信息将存储在客户的银行应用中。

Consumers will also be able to generate one-time or merchant-specific virtual card numbers. These can be limited to a certain time, value, or store.

消费者还将能够生成一次性或特定于商人的虚拟卡号。这些可能仅限于一定时间，价值或存储。

In practice this means that if this number was stolen, it wouldn’t be able to be exploited en masse by a hacker like an ordinary 16-digit number connected to your bank account would be.

实际上，这意味着，如果该号码被盗，那么将无法像连接到您的银行帐户的普通16位数字那样被黑客剥削。

“I could spin up a card number that can only work at The Iconic,” Wormald said. “If it gets stolen, it’s actually useless to the hacker.”

沃尔马德说：“我可以旋转一个只能在标志性上使用的卡号。” “如果被盗，它实际上对黑客没有用。”

He confirmed there will be no limit to how many of these temporary card numbers a user can generate.

他确认，用户可以生成的这些临时卡号中有多少限制。

“What we’re trying to do is build the controls into your banking app so you as a consumer can see the places you stored your card.”

“我们正在尝试做的是将控件构建到您的银行应用程序中，以便您作为消费者可以看到您存储的卡的地方。”

Wormald confirmed that consumers will also be able to revoke that consent through their banking apps.

沃尔马德（Wormald）确认，消费者还将能够通过其银行应用程序撤销该同意书。

Faster payments and better cashflow

更快的付款和更好的现金流

Mastercard is also updating its infrastructure to support real-time card payment settlement. This means businesses could receive their funds faster, without needing to rely on acquirers to front the money.

万事达卡还正在更新其基础架构，以支持实时卡支付结算。这意味着企业可以更快地收到其资金，而无需依靠收购方来筹集资金。

“There are three steps in a card transaction. There’s the authorisation, which is when you tap the card. That’s always been real time,” Wormald said.

沃尔马德说：“卡交易中有三个步骤。有授权，这是您点击卡片的时候。这一直是实时的。”

“We then have a settlement guarantee… We today operate on T+1. Visa currently operates on T+

“然后我们有一个和解保证……我们今天在T+1上运营。