万事达卡计划摆脱信用卡号。我们可能会走向卡的尽头

付款技术以这样的速度提高了，可能不久之后的信用卡是多余的。 2025年2月4日万事达卡宣布

Mastercard is planning to remove the 16-digit credit card number from its cards by 2030 in a bid to stamp out identity theft and fraudulent use of cards.

万事达卡计划在2030年之前从其卡中删除16位信用卡号码，以淘汰身份盗用和欺诈性使用卡。

The numbers currently used to identify cards will be replaced with tokenisation and biometric authentication.

当前用于识别卡的数字将被令牌化和生物识别身份验证所取代。

Mastercard already added biometric options in 2022, enabling payments to be made with a smile or wave of the hand.

万事达卡在2022年已经添加了生物识别选项，从而使付款能够以微笑或手浪潮进行。

Tokenisation converts the 16-digit card number into a different number – or token – stored on your device, so card information is never shared when you tap your card or phone or make payments online.

Tokenisation将16位卡号转换为存储在设备上的不同数字或令牌，因此当您点击卡或电话或在线付款时，永远不会共享卡信息。

The first rollout of these numberless cards will be through a partnership with AMP Bank, but it is expected other banks will follow in the coming 12 months.

这些无数卡的首次推出将是通过与AMP银行的合作伙伴关系，但是预计未来12个月其他银行将随之而来。

Why card security is important There is nothing quite like the sinking feeling after receiving a call or text from your bank asking about the legitimacy of a card transaction.

为什么卡安全性很重要，没有什么比从银行接到电话或短信后的沉没感觉更重要的，询问卡交易的合法性。

In 2023-2024 the total value of card fraud in Australia was A$868 million, up from $677.5 million the previous financial year.

在2023 - 2024年，澳大利亚的卡欺诈总价值为8.68亿美元，高于上一个财政年度的6.775亿美元。

Credit card numbers and payment details are often exposed in major data breaches affecting large and small businesses.

信用卡号和付款方式通常会以影响大型和小型企业的重大数据泄露事件暴露。

Late last year, the US Federal Trade Commission took action against the Marriott and Starwood Hotels for lax data security. More than 300 million customers worldwide were affected.

去年年底，美国联邦贸易委员会对万豪酒店和喜达屋酒店采取了行动，以寻求宽松的数据安全。全球超过3亿客户受到影响。

Event ticketing company Ticketmaster was also hacked last year. The details of several hundred million customers, including names, addresses, credit card numbers, phone numbers and payment details were illegally accessed.

活动票务公司Ticketmaster去年也被黑客入侵。非法访问了数亿客户的详细信息，包括名称，地址，信用卡号，电话号码和付款详细信息。

So-called “card-not-present fraud”, where an offender processes an unauthorised transaction without having the card in their physical possession, accounts for 92% of all card fraud in Australia. This rose 29% in the last financial year.

所谓的“卡片非欺诈行为”，罪犯在没有授权的情况下处理未经授权的交易，占澳大利亚所有卡欺诈的92％。在上一个财政年度，这增长了29％。

The Card Verification Value (CVV) (or three-digit number on the back of a credit card) aimed to ensure the person making the transaction had the physical card in their hands. But it is clearly ineffective.

卡验证值（CVV）（或信用卡背面的三位数号）旨在确保完成交易的人手中有实体卡。但这显然是无效的。

Benefits of removing credit card numbers Removing the credit card number is the latest attempt to curb fraud. Removing numbers stops fraudsters processing unauthorised card-not-present transactions.

删除信用卡号删除信用卡号的好处是遏制欺诈的最新尝试。删除数字阻止欺诈者处理未经授权的卡非访问交易。

It also reduces the potential for financial damage of victims exposed in data breaches, if organisations are no longer able to store these payment details.

如果组织不再能够存储这些付款详细信息，它还减少了在数据泄露中暴露的受害者的财务损害的可能性。

The storage of personal information is a contested issue. For example, the 2022 Optus data breach exposed information from customers who had previously held accounts with the telco back in 2018.

个人信息的存储是一个有争议的问题。例如，2022年Optus数据泄露的信息来自以前曾在2018年与电信公司持有帐户的客户。

Removing the ability of organisations to store payment details in the first place, removes the risk of this information being exposed in any future attack.

首先删除组织存储付款详细信息的能力，消除了这些信息在以后的任何攻击中被暴露的风险。

While any efforts to reduce fraud are welcome, this new approach raises some new issues to consider.

虽然欢迎减少欺诈的任何努力，但这种新方法提出了一些新的问题要考虑。

Potential problems with the new system Mastercard has said customers will use tokens generated by the customer’s banking app or biometric authentication instead of card numbers.

新系统MasterCard的潜在问题表示，客户将使用客户的银行应用程序或生物识别验证而不是卡号生成的令牌。

This is likely to be an easy transition for customers who use mobile banking.

对于使用移动银行业务的客户而言，这很容易过渡。

However, the use of digital banking is not universal. Many senior consumers and those with a disability don’t use digital banking services. They would be excluded from the new protections.

但是，数字银行的使用并不普遍。许多高级消费者和残疾人不使用数字银行服务。它们将被排除在新保护措施之外。

While strengthening the security attached to credit cards, removing numbers shifts the vulnerability to mobile phones and telecommunication providers.

在加强信用卡附带的安全性的同时，删除数字将脆弱性转移到了手机和电信提供商。

Offenders already access victims’ phones through mobile porting and impersonation scams. These attacks are likely to escalate as new ways to exploit potential vulnerabilities are found.

罪犯已经通过移动移植和模仿骗局访问受害者的电话。随着发现潜在漏洞的新方法，这些攻击可能会升级。

There are also concerns about biometrics. Unlike credit card details, which can be replaced when exposed in a data breach, biometrics are fixed. Shifting a focus to biometrics will increase the attractiveness of this data, and potentially opens victims up to ongoing, irreversible damage.

对生物识别技术也有担忧。与信用卡详细信息（可以在数据泄露中暴露时可以替换）不同，生物识别是固定的。将重点转移到生物识别方面将提高这些数据的吸引力，并有可能使受害者遭受持续不可逆转的损害。

While not as common, breaches of biometric data do occur.

虽然并不常见，但确实会发生生物识别数据。

For example, web-based security platform BioStar 2 in the UK exposed the fingerprints and facial recognition details of over one million people. Closer to home, IT provider to entertainment companies Outabox is alleged to have exposed facial recognition data of more than one million Australians.

例如，英国基于Web的安全平台Biostar 2揭示了超过一百万人的指纹和面部识别细节。据称，IT在家里靠近娱乐公司Outabox的提供商已暴露了超过一百万澳大利亚人的面部识别数据。

Will we really need cards in the future? While removing the numbers may reduce credit card fraud, emerging smart retail technologies may remove the need for cards all together.

将来我们真的需要卡吗？在删除数字可能会减少信用卡欺诈的同时，新兴的智能零售技术可能会一起消除对卡的需求。

Smartphone payments are already becoming the norm, removing the need for physical cards. GlobalData revealed a 58% growth in mobile wallet payments in Australia in 2023, to $146.9 billion. In October 2024, 44% of payments were “device-present” transactions.

智能手机付款已经成为常态，消除了对实体卡的需求。 GlobalData显示，澳大利亚的移动钱包支付在2023年增长了58％，达到1469亿美元。 2024年10月，有44％的付款是“设备持有”的交易。

Amazon’s innovative “Just-Walk-Out” technology has also removed the need for consumers to bring a physical credit or debit card all together.

亚马逊的创新“ Just-walk-tack”技术还消除了消费者将物理信用卡或借记卡汇总在一起的需求。

This technology is available at more than 70 Amazon-owned stores, and at more than 85 third-party locations across the US, UK, and Australia. These

这项技术可在70多家亚马逊拥有的商店以及美国，英国和澳大利亚的85个以上的第三方地点提供。这些