代币化：这项技术改变了我们对付款安全的看法

付款所需的一切都是一些信息。过去，卡号，到期日期和名称是在线购买商品所需的一切。

All that’s needed for a payment to go through is a little information. It used to be that a card number, expiry date and name were all that was required to buy goods online. Then, CCVs (credit card verification numbers) were introduced, and today, depending on where you’re shopping, you might also be sharing your IP address, location and even your recent social media activity.

付款所需的一切都是一些信息。过去，卡号，到期日期和名称是在线购买商品所需的一切。然后，引入了CCV（信用卡验证号），今天，根据您购物的位置，您可能还分享了您的IP地址，位置甚至最近的社交媒体活动。

This increasing demand for information is driven by a need for security. According to research from Nord VPN, stolen payment details can be purchased for as little as $10 on the dark web. Payment processors know fraudsters are unlikely to have access to all the data required to impersonate a genuine customer. Consequently, the more data, the better the fraud prevention. However, this approach also introduces significant risks. Sharing vast amounts of personal data digitally creates opportunities for bad actors to intercept and misuse sensitive information.

对信息的需求不断增长，这是由对安全的需求驱动的。根据NORD VPN的研究，可在Dark Web上购买盗窃的付款细节。付款处理器知道，欺诈者不太可能访问模仿真正客户所需的所有数据。因此，数据越多，预防欺诈越好。但是，这种方法还引入了重大风险。分享大量的个人数据数字化为不良演员拦截和滥用敏感信息创造了机会。

What if there were a way to secure your card information so that even if it were stolen, it would be useless? Enter tokenization: a technology transforming how we think about payment security.

如果有一种方法可以保护您的卡信息，以便即使被盗，也将是没有用的？输入令牌化：一种技术，可以改变我们对付款安全的看法。

What Is tokenization?Tokenization replaces your 16-digit card number with a unique, randomized sequence known as a “token.” Unlike the original card number, these tokens are meaningless outside the payment network that issued them. If hackers access a database containing tokens, they’ll find them useless because only the payment network can decrypt and process them.

什么是令牌化？令牌化用独特的随机序列替代了您的16位卡号，称为“令牌”。与原始卡号不同，这些令牌在发行它们的支付网络之外毫无意义。如果黑客访问包含令牌的数据库，他们会发现它们毫无用处，因为只有支付网络才能解密和处理它们。

First introduced in 2013 as a security standard, tokenization quickly gained traction. By 2014, Mastercard launched its Digital Enablement Service to secure billions of transactions annually. Today, tokenization is a cornerstone of secure digital payments.

标记于2013年首次作为安全标准引入，迅速获得了吸引力。到2014年，万事达卡启动了数字支持服务，以每年获得数十亿美元的交易。如今，令牌化是安全数字支付的基石。

How tokenization worksWhen you input your card details into a digital wallet or an online merchant’s site, the payment system requests a token from the payment network. This token is stored in place of your actual card number.

您如何将您的卡详细信息输入数字钱包或在线商人的网站中，付款系统向付款网络请求令牌。此令牌存储代替您的实际卡号。

For example, if you save your card details with an e-commerce site, the site stores the token rather than your real card data. During a transaction, the token is combined with a one-time cryptogram generated by your device or merchant account to authenticate the payment securely.

例如，如果您使用电子商务网站保存卡详细信息，则该网站存储令牌，而不是您的真实卡数据。在交易期间，令牌与设备或商家帐户生成的一次性密码图结合使用，以安全地验证付款。

Benefits of tokenizationTokenization offers multiple benefits for consumers and merchants alike:

令牌化的好处为消费者和商人提供了多种好处：

Enhanced security: Tokens eliminate the need for merchants to store sensitive card details, reducing the risk of data breaches. Even if a hacker gains access to stored tokens, they’re useless without the corresponding payment network.

增强的安全性：令牌消除了商人需要存储敏感卡详细信息的需求，从而降低了数据泄露的风险。即使黑客可以访问存储的令牌，也没有相应的支付网络，它们也没有用。

Improved fraud prevention: Transactions using tokens are less likely to be fraudulent. This also means fewer false declines, leading to a smoother checkout experience for customers.

改善欺诈预防：使用代币交易的可能性较小。这也意味着更少的错误下降，从而为客户提供了更平滑的结帐体验。

Seamless continuity: If your physical card is lost or expires, tokenized transactions can continue uninterrupted. The payment network updates the token automatically when your card details change.

无缝连续性：如果您的物理卡丢失或到期，则代币交易可能会继续不间断。当您的卡详细信息更改时，付款网络会自动更新令牌。

Simplified compliance: Merchants using tokenization reduce their burden of complying with Payment Card Industry Data Security Standards (PCI DSS), saving time and resources.

简化的合规性：使用代币化的商人减轻了遵守支付卡行业数据安全标准（PCI DSS）的负担，节省了时间和资源。

The evolution of tokenizationInitially, tokenization systems were proprietary and limited in scope. Merchants had to rely on specific payment processors, creating “walled gardens” of tokens that lacked interoperability. This often led to inefficiencies and restricted merchants’ ability to optimize their payment systems.

令牌化的演变，在范围内是专有的，范围有限。商人不得不依靠特定的付款处理器，创建缺乏互操作性的“围墙花园”。这通常导致效率低下和限制商人优化其支付系统的能力。

Today, network tokens — issued directly by payment networks like Mastercard — have revolutionized the process. Unlike traditional tokens, network tokens are interoperable across platforms, gateways and merchants. They provide additional benefits, such as lower processing fees and automatic updates when card details change.

如今，由MasterCard等付款网络直接发布的网络令牌已彻底改变了该过程。与传统令牌不同，网络令牌在平台，网关和商人之间可互操作。它们提供其他好处，例如当卡详细信息更改时，较低的处理费和自动更新。

The role of network tokenizationNetwork tokenization reduces fraud by as much as 26% without adding friction for customers. It also ensures that expired cards don’t disrupt transactions. When a card’s expiration date changes, the network token updates automatically, eliminating the need for customers to re-enter their information.

网络Tokenization Network令牌化的作用可将欺诈减少多达26％，而不会增加客户的摩擦。它还确保过期的卡不会破坏交易。当卡的到期日期变化时，网络令牌会自动更新，从而消除了客户重新输入信息的需求。

This seamless experience benefits merchants, too. Higher authorization rates, typically ranging from 3% to 13%, can significantly impact revenue in high-volume sectors like e-commerce and digital goods. Network tokens also enable advanced features like “Click to Pay” and biometric authentication, creating a frictionless payment experience for customers.

这种无缝的体验也使商人受益。较高的授权率通常从3％到13％不等，可能会严重影响电子商务和数字商品等高批量领域的收入。网络令牌还启用了高级功能，例如“点击付款”和生物识别身份验证，为客户创造无摩擦付款体验。

Tokenization in action: SolidgateTokenization doesn’t just enhance security — it also simplifies operations for merchants. Storing tokens instead of raw card data reduces PCI DSS compliance challenges and protects customer information in the event of a breach. Additionally, the ability of network tokenization to maintain seamless transactions helps merchants retain customers and improve conversion rates.

行动中的令牌化：solidgateTokenization不仅增强了安全性 - 还简化了商人的操作。存储令牌而不是原始卡数据会减少PCI DSS合规性挑战，并在违反时保护客户信息。此外，网络令牌维护无缝交易的能力有助于商人保留客户并提高转化率。

Solidgate is an ambitious payment processor, laser-focused on the goal of processing $100 billion USD in transactions in the next five years. Subscriptions are a major source of their revenue, and that comes with challenges. On one hand, subscriptions should mean predictable sources of revenue, but in practice, they are complex and difficult to master, hence why there is so much emphasis on controlling ‘churn’. Having a repeat payment fail significantly raises the possibility of a customer deciding to discontinue their subscription, so it is really important that acceptance rates are as high

Solidgate是一家雄心勃勃的付款处理器，以激光为专注的目标是在未来五年内处理1000亿美元的交易。订阅是其收入的主要来源，并带来挑战。一方面，订阅应意味着可预测的收入来源，但实际上，它们很复杂且难以掌握，因此为什么如此强调控制“流失”。重复付款失败大大提高了客户决定终止订阅的可能性，因此接受率很高，这一点很重要