印度卡式引物化的兴起

卡令牌化已迅速改变了印度的数字支付格局。截至2024年12月，已经发行了超过91千万的代币，促进了超过3亿卢比的交易，价值将近110万卢比。这种增长压力了向电子商务增强安全性的转变，目前有98％的在线交易没有实际的卡数据。

Card tokenisation has emerged as a powerful tool in India's digital payment revolution. As of December 2024, a staggering 91 crore tokens have been issued, enabling over 320 crore transactions and facilitating payments worth nearly ₹11 lakh crore. This remarkable growth highlights the increasing adoption of tokenisation to enhance e-commerce security, with 98 per cent of online transactions now processed without exposing actual card data.

在印度的数字支付革命中，卡克尼化已成为一种强大的工具。截至2024年12月，已经发行了惊人的91千万代币，实现了超过3亿卢比的交易，并促进了价值近110万卢比的付款。这种显着的增长强调了令牌化的越来越多，以增强电子商务安全性，目前正在处理98％的在线交易而没有暴露实际的卡数据。

What is Tokenisation?

什么是象征性？

In the realm of digital payments, tokenisation is a critical security measure that replaces sensitive card data, such as the 16-digit card number, expiry date, and CVV, with a unique token. This token is generated by the payment network and serves as a substitute for the actual card details during transactions. As a result, merchants and other third parties never handle or store the sensitive card information, significantly reducing the risk of data breaches and fraud.

在数字付款领域，Tokenisation是一种关键的安全措施，它取代了具有唯一令牌的敏感卡数据，例如16位卡号，到期日期和CVV。该令牌是由付款网络生成的，可以替代交易期间的实际卡详细信息。结果，商人和其他第三方从不处理或存储敏感的卡信息，从而大大降低了数据泄露和欺诈的风险。

Evolution of Tokenisation in India

印度象征化的演变

The Reserve Bank of India (RBI) has been at the forefront of promoting card tokenisation to enhance consumer protection and payment security. In October 2022, the central bank mandated businesses to stop storing customer card data on their servers or sharing it with third parties. This policy shift was implemented to strengthen consumer protection measures and ensure that sensitive financial information is not exposed on multiple third-party platforms.

印度储备银行（RBI）一直处于促进卡式化的最前沿，以增强消费者的保护和支付安全性。 2022年10月，中央银行要求企业停止将客户卡数据存储在其服务器上或与第三方共享。实施了这种政策转变，以加强消费者保护措施，并确保不会在多个第三方平台上公开敏感的财务信息。

Against this backdrop, tokenisation has become an essential cog in securing digital payments, reducing the vulnerability of sensitive card data to data breaches, and ultimately protecting consumers from potential financial fraud.

在此背景下，象征化已成为确保数字付款，减少敏感卡数据漏洞到数据泄露的脆弱性，并最终保护消费者免受潜在财务欺诈的影响。

How Tokenisation Works

象征性如何有效

The tokenisation process typically involves several steps:

象征化过程通常涉及几个步骤：

A customer initiates a purchase on an e-commerce platform or uses a digital payment application.

客户在电子商务平台上启动购买或使用数字支付应用程序。

The platform or application sends a request to the payment network along with the customer's card details.

平台或应用程序以及客户的卡详细信息将请求发送到付款网络。

The payment network generates a unique token and securely stores it in its network.

支付网络会生成独特的令牌，并将其安全存储在其网络中。

The token is then shared with the platform or application, which forwards it to the customer's device.

然后，将令牌与平台或应用程序共享，该平台或应用程序将其转发到客户的设备。

During subsequent transactions, the customer's device sends the token to the platform or application, which then transmits it to the payment network for processing.

在随后的交易中，客户的设备将令牌发送到平台或应用程序，然后将其传输到付款网络进行处理。

Benefits of Tokenisation

象征化的好处

Tokenisation offers several key benefits, including:

Tokenisation提供了几个关键好处，包括：

Enhanced Security: By replacing sensitive card data with tokens, tokenisation helps prevent data breaches and fraud, ultimately protecting consumers and businesses.

增强的安全性：通过用令牌替换敏感的卡数据，令牌化有助于防止数据泄露和欺诈，最终保护消费者和企业。

Seamless User Experience: Tokens simplify the payment process, allowing customers to complete transactions quickly and easily without manually entering card details.

无缝用户体验：令牌简化了付款过程，使客户可以轻松，轻松完成交易而无需手动输入卡详细信息。

Increased Transaction Volume: Tokenisation enables faster transaction processing, which can help increase transaction volumes, especially for high-frequency purchases.

增加交易量：象征化可以更快地处理交易处理，这可以有助于增加交易量，尤其是对于高频购买。

Cost-Effective Solution: Compared to other data security methods, tokenisation is a more cost-effective solution for securing payment information.

具有成本效益的解决方案：与其他数据安全方法相比，象征化是用于确保付款信息的更具成本效益的解决方案。

Tokenisation vs. Encryption

象征性与加密

While both tokenisation and encryption are techniques used for data security, they differ fundamentally in their approach. Encryption involves scrambling data using a mathematical algorithm and a key, which is then used to decrypt the data. On the other hand, tokenisation replaces sensitive data with non-sensitive tokens that cannot be reversed.

尽管象征化和加密都是用于数据安全的技术，但它们的方法在根本上有所不同。加密涉及使用数学算法和键进行加密数据，然后将其用于解密数据。另一方面，令牌化替代了敏感的数据，用无法逆转的非敏感令牌。

Moreover, encryption typically requires both the sender and receiver to have the decryption key, while tokenisation does not. This makes tokenisation a more suitable option for scenarios where multiple parties need to handle data without exposing the original values. In the context of digital payments, tokenisation is better suited for protecting card data that needs to be shared between customers, merchants, and payment networks.

此外，加密通常要求发送者和接收器具有解密密钥，而Tokenisation则没有。这使Tokenisation成为方案更合适的选项，而多方需要处理数据而无需公开原始值。在数字付款的背景下，令牌化更适合保护需要在客户，商人和支付网络之间共享的卡数据。