{"id":109118,"date":"2024-03-26T11:30:00","date_gmt":"2024-03-26T04:30:00","guid":{"rendered":"https:\/\/www.xinwengao.com\/cn\/pr\/20240326113000109118"},"modified":"2024-03-27T00:25:18","modified_gmt":"2024-03-26T16:25:18","slug":"visa%e4%bb%a4%e7%89%8c%e4%b8%ba%e4%ba%9a%e5%a4%aa%e5%9c%b0%e5%8c%ba%e6%95%b0%e5%ad%97%e5%95%86%e5%8a%a1%e5%b8%a6%e6%9d%a520%e4%ba%bf%e7%be%8e%e5%85%83%e7%9a%84%e5%a2%9e%e9%95%bf","status":"publish","type":"post","link":"https:\/\/www.xinwengao.com\/cn\/pr\/20240326113000109118","title":{"rendered":"Visa\u4ee4\u724c\u4e3a\u4e9a\u592a\u5730\u533a\u6570\u5b57\u5546\u52a1\u5e26\u676520\u4ebf\u7f8e\u5143\u7684\u589e\u957f"},"content":{"rendered":"\n\n\n
\"\"<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u968f\u7740\u6570\u5b57\u4ea4\u6613\u7684\u589e\u52a0\uff0c<\/i>Visa Token Service<\/i>\uff08<\/i>Visa<\/i>\u4ee4\u724c\u670d\u52a1\uff09\u53ef\u5e2e\u52a9\u6d88\u8d39\u8005\u83b7\u5f97\u66f4\u52a0\u987a\u7545\u7684\u7ed3\u8d26\u4f53\u9a8c\uff0c\u51cf\u5c11\u6b3a\u8bc8\u884c\u4e3a\uff0c\u5e76\u6539\u8fdb\u652f\u4ed8\u6388\u6743<\/i><\/p>\n

\u65b0\u52a0\u5761<\/span>2024\u5e743\u670826\u65e5<\/span> \/\u7f8e\u901a\u793e\/ — Visa\u4eca\u5929\u5ba3\u5e03\uff0c\u7531\u4e8e\u91c7\u7528\u4e86Visa Token Service<\/a>\uff08Visa\u4ee4\u724c\u670d\u52a1\uff0c\u7b80\u79f0"VTS"\uff09\uff0c2023\u5e74\u4e9a\u592a\u5730\u533a\u6570\u5b57\u7ecf\u6d4e\u589e\u957f\u8d85\u8fc720\u4ebf\u7f8e\u5143[1]<\/sup>\u3002\u968f\u7740\u4e9a\u592a\u5730\u533a\u4ee4\u724c\u6570\u91cf\u8fbe\u523010\u4ebf[2]<\/sup>\u7684\u91cc\u7a0b\u7891\uff0c\u8fd9\u4e00\u6210\u5c31\u51f8\u663e\u4e86\u4ee4\u724c\u4e3a\u5e97\u5185\u548c\u5728\u7ebf\u6570\u5b57\u5546\u52a1\u5e26\u6765\u7684\u5f3a\u5927\u4ef7\u503c\u3002<\/p>\n

\n<\/p><\/div>\n

VTS\u7528\u4e00\u79cd\u53ea\u6709Visa\u624d\u80fd\u89e3\u9501\u7684\u72ec\u7279\u6807\u8bc6\u7b26–\u4ee4\u724c\uff0c\u53d6\u4ee3\u4e8616\u4f4d\u501f\u8bb0\u5361\u6216\u4fe1\u7528\u5361\u5361\u53f7\u3002Visa\u4ee4\u724c\u53ef\u786e\u4fdd\u652f\u4ed8\u51ed\u8bc1\u7684\u5b89\u5168\uff0c\u5b9e\u73b0\u589e\u5f3a\u578b\u6570\u636e\u4f20\u8f93\uff0c\u6709\u52a9\u4e8e\u63d0\u9ad8\u652f\u4ed8\u6210\u529f\u7387\u548c\u964d\u4f4e\u6b3a\u8bc8\u7387\u3002\u8fd9\u4e9b\u4f18\u52bf\uff0c\u518d\u52a0\u4e0a\u8de8\u8bbe\u5907\u7684\u6613\u7528\u6027\uff0c\u4f7f\u6d88\u8d39\u8005\u4f53\u9a8c\u5f97\u5230\u6539\u5584\u3002<\/p>\n

\u4ee4\u724c\u8fd8\u80fd\u52a0\u5f3a\u63a7\u5236\uff0c\u4e30\u5bcc\u6bcf\u7b14\u4ea4\u6613\u7684\u6570\u636e\u4ea4\u6362\uff0c\u4ece\u800c\u6539\u8fdb\u652f\u4ed8\u5904\u7406\u3002\u8fd9\u4e9b\u6539\u8fdb\u51cf\u5c11\u4e86\u5408\u6cd5\u4ea4\u6613\u88ab\u652f\u4ed8\u7cfb\u7edf\u62d2\u7edd\u7684\u60c5\u51b5\uff0c\u800c\u8fd9\u6837\u7684\u7ecf\u5386\u53ef\u80fd\u4f1a\u4ee4\u6d88\u8d39\u8005\u548c\u5546\u5bb6\u611f\u5230\u6cae\u4e27\u3002\u91c7\u7528VTS\u6570\u5b57\u652f\u4ed8\u7684\u5546\u6237\uff0c\u5176\u652f\u4ed8\u6210\u529f\u7387\u66f4\u9ad8\uff0c\u6388\u6743\u989d\u5ea6\u589e\u52a0\u4e8620\u4ebf\u7f8e\u5143\uff0c\u652f\u4ed8\u6b3a\u8bc8\u7387\u964d\u4f4e\u4e86\u4e00\u534a\u4ee5\u4e0a\uff0858%\uff09[3]<\/sup>\u3002<\/p>\n

Visa<\/b>\u4e9a\u592a\u533a\u5546\u6237\u9500\u552e\u4e0e\u6536\u5355\u4e1a\u52a1\u4e3b\u7ba1<\/b>Previn Pillay<\/span><\/b>\u8868\u793a\uff1a"\u6d88\u8d39\u8005\u548c\u4f01\u4e1a\u90fd\u5e0c\u671b\u652f\u4ed8\u5b89\u5168\u3001\u65e0\u7f1d\uff0c\u800c\u7f51\u7edc\u4ee4\u724c\u6b63\u597d\u80fd\u505a\u5230\u8fd9\u4e00\u70b9\u3002\u968f\u7740\u6388\u6743\u7684\u63d0\u5347\u548c\u6b3a\u8bc8\u7387\u7684\u964d\u4f4e\uff0c\u5546\u5bb6\u53ef\u4ee5\u5c06\u66f4\u591a\u5b9d\u8d35\u7684\u65f6\u95f4\u548c\u8d44\u6e90\u96c6\u4e2d\u5728\u4ea7\u54c1\u521b\u65b0\u548c\u5ba2\u6237\u53c2\u4e0e\u4e0a\u3002\u6211\u4eec\u9f13\u52b1\u66f4\u591a\u5546\u6237\u91c7\u7528\u4ee4\u724c\u5316\u652f\u4ed8\uff0c\u56e0\u4e3a\u8fd9\u9879\u6280\u672f\u53ef\u4ee5\u76f4\u63a5\u5f71\u54cd\u5546\u6237\u7684\u6536\u5165\u548c\u5229\u6da6\u3002"<\/p>\n

Visa\u8fd8\u5728\u6269\u5927\u4ee4\u724c\u5316\u51ed\u8bc1\u4e3a\u5728\u7ebf\u73af\u5883\u5e26\u6765\u7684\u73b0\u4ee3\u652f\u4ed8\u4f53\u9a8c\u3002\u6709\u4e86\u4ee4\u724c\uff0c\u6d88\u8d39\u8005\u5728\u7f51\u4e0a\u652f\u4ed8\u65f6\u5c31\u4e0d\u518d\u9700\u8981\u624b\u52a8\u8f93\u516516\u4f4d\u6570\u5b57\u7684\u51ed\u8bc1\uff0c\u4e5f\u4e0d\u5fc5\u5728\u94f6\u884c\u5361\u8fc7\u671f\u6216\u9700\u8981\u66f4\u6362\u65f6\uff0c\u5728\u591a\u4e2a\u5e73\u53f0\u4e0a\u66f4\u65b0\u94f6\u884c\u5361\u4fe1\u606f\u3002\u540c\u6837\uff0c\u65e0\u8bba\u662f\u7528\u667a\u80fd\u624b\u673a\u3001\u53ef\u7a7f\u6234\u8bbe\u5907\u8fd8\u662f\u667a\u80fd\u8bbe\u5907\u6765\u652f\u4ed8\uff0cVTS\u90fd\u80fd\u786e\u4fdd\u5546\u6237\u901a\u8fc7Visa\u5e73\u53f0\u5b89\u5168\u5730\u66f4\u65b0\u5ba2\u6237\u7684\u652f\u4ed8\u4fe1\u606f\uff0c\u4ece\u800c\u4e3a\u5ba2\u6237\u63d0\u4f9b\u65e0\u7f1d\u3001\u4e0d\u95f4\u65ad\u7684\u652f\u4ed8\u670d\u52a1\uff0c\u964d\u4f4e\u6388\u6743\u88ab\u62d2\u7684\u53d1\u751f\u7387\u3002<\/p>\n

Visa<\/b>\u4e9a\u592a\u533a\u4ea7\u54c1\u4e0e\u89e3\u51b3\u65b9\u6848\u4e3b\u7ba1<\/b>TR Ramachandran<\/b>\u8868\u793a\uff1a<\/b>"\u4ee4\u724c\u4e3a\u672a\u6765\u7684\u5546\u4e1a\u53d1\u5c55\u94fa\u5e73\u4e86\u9053\u8def\uff0c\u56e0\u4e3a\u4ee4\u724c\u5316\u652f\u4ed8\u51ed\u8bc1\u5177\u6709\u5de8\u5927\u7684\u521b\u65b0\u53ef\u80fd\u6027\uff0c\u80fd\u591f\u5e26\u6765\u8d85\u8d8a\u5b9e\u4f53Visa\u5361\u7684\u5168\u65b0\u3001\u66f4\u52a0\u4e2a\u6027\u5316\u7684\u6d88\u8d39\u4f53\u9a8c\u3002\u6211\u4eec\u5c06\u4e0e\u5408\u4f5c\u4f19\u4f34\u4e00\u8d77\uff0c\u7ee7\u7eed\u52a0\u5f3a\u73b0\u4ee3\u51ed\u8bc1\u6240\u63d0\u4f9b\u7684\u529f\u80fd\uff0c\u4e3a\u6574\u4e2a\u652f\u4ed8\u751f\u6001\u7cfb\u7edf\u5e26\u6765\u66f4\u591a\u4ef7\u503c\u3002"<\/p>\n

\u6b32\u4e86\u89e3Visa\u5f15\u9886\u4ee4\u724c\u8f6c\u578b\u7684\u66f4\u591a\u4fe1\u606f\uff0c\u8bf7\u8bbf\u95ee\u6b64\u5904<\/a>\u3002<\/p>\n

\n\n\n\n\n\n
\n

[1]<\/sup><\/span> <\/span> 2023<\/span>\u5e74<\/span>1<\/span>\u6708\u81f3<\/span>12<\/span>\u6708\u4e9a\u592a\u5730\u533a\u901a\u8fc7<\/span>VisaNet<\/span>\u4f7f\u7528\u4ee4\u724c\u5316\u51ed\u8bc1\u5904\u7406\u7684\u652f\u4ed8\u989d\u4e58\u4ee5\u6388\u6743\u4e0a\u8c03\u989d\u3002<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

[2]<\/sup><\/span> <\/span>\u622a\u81f3<\/span>2024<\/span>\u5e74<\/span>3<\/span>\u6708\uff0c\u4e0e\u4e9a\u592a\u5730\u533a\u6388\u6743\u53d1\u5361\u673a\u6784\u76f8\u5173\u8054\u7684<\/span>Visa<\/span>\u7cfb\u7edf\u53d1\u884c\u7684\u4ee4\u724c\u6570\u91cf\u3002<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

[3]<\/sup><\/span> Visa Risk Datamart, Global, FY22 Q1\u2013Q4 Token Fraud Rate vs PAN Fraud Rate by PV for merchants with over 1,000 CNP token transactions per month per country.<\/span>\uff08<\/span>Visa<\/span>\u98ce\u9669\u6570\u636e\u5e02\u573a\uff0c\u5168\u7403\uff0c<\/span>2022<\/span>\u8d22\u5e74\u7b2c\u4e00\u5b63\u5ea6\u81f3\u7b2c\u56db\u5b63\u5ea6\u4ee4\u724c\u6b3a\u8bc8\u7387<\/span>(Token Fraud Rate)<\/span>\u4e0e\u4e3b\u8d26\u53f7\u6b3a\u8bc8\u7387<\/span>(PAN Fraud Rate)<\/span>\u6309\u6bcf\u4e2a\u56fd\u5bb6\u6bcf\u6708\u8d85\u8fc7<\/span>1000<\/span>\u6b21\u65e0\u5361\u4ea4\u6613\u7684\u5546\u6237\u7684\u652f\u4ed8\u91cf\u8fdb\u884c\u6bd4\u8f83\uff09\u3002\u5546\u6237\u7684\u4e2a\u4f53\u6570\u636e\u53ef\u80fd\u4f1a\u6709\u6240\u5dee\u5f02\u3002<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n

\u5173\u4e8e<\/b>Visa<\/b><\/p>\n

Visa\uff08\u7ebd\u7ea6\u8bc1\u5238\u4ea4\u6613\u6240\u4ee3\u7801\uff1aV\uff09\u662f\u5168\u7403\u9886\u5148\u7684\u6570\u5b57\u652f\u4ed8\u516c\u53f8\uff0c\u6bcf\u5e74\u670d\u52a1200\u591a\u4e2a\u56fd\u5bb6\u548c\u5730\u533a\u7684\u6d88\u8d39\u8005\u3001\u5546\u5bb6\u3001\u91d1\u878d\u673a\u6784\u548c\u653f\u5e9c\u673a\u6784\u3002\u6211\u4eec\u7684\u4f7f\u547d\u662f\u901a\u8fc7\u521b\u65b0\u3001\u4fbf\u6377\u3001\u53ef\u9760\u548c\u5b89\u5168\u7684\u652f\u4ed8\u7f51\u7edc\u8fde\u63a5\u4e16\u754c\uff0c\u4fc3\u4f7f\u4e2a\u4eba\u3001\u4f01\u4e1a\u548c\u7ecf\u6d4e\u6d3b\u52a8\u84ec\u52c3\u53d1\u5c55\u3002\u6211\u4eec\u76f8\u4fe1\uff0c\u5305\u5bb9\u6027\u7ecf\u6d4e\u80fd\u591f\u8ba9\u6bcf\u4e2a\u4eba\u5728\u4efb\u4f55\u5730\u65b9\u90fd\u53ef\u4ee5\u5f97\u5230\u63d0\u5347\u4e0e\u8fdb\u6b65\uff0c\u800c\u4e3a\u6240\u6709\u4eba\u63d0\u4f9b\u673a\u4f1a\u662f\u672a\u6765\u8d27\u5e01\u6d41\u901a\u7684\u6839\u57fa\u3002\u5982\u6b32\u67e5\u8be2\u66f4\u591a\u4fe1\u606f\uff0c\u8bf7\u8bbf\u95ee\uff1aVisa.com\u3002<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

\u968f\u7740\u6570\u5b57\u4ea4\u6613\u7684\u589e\u52a0\uff0cVisa Token Service\uff08Visa\u4ee4\u724c\u670d\u52a1\uff09\u53ef\u5e2e\u52a9\u6d88\u8d39\u8005\u83b7\u5f97\u66f4\u52a0\u987a\u7545\u7684\u7ed3\u8d26\u4f53\u9a8c\uff0c\u51cf\u5c11\u6b3a\u8bc8\u884c\u4e3a\uff0c\u5e76\u6539\u8fdb\u652f\u4ed8\u6388\u6743 \u65b0\u52a0\u57612024\u5e743\u670826\u65e5 \/\u7f8e\u901a\u793e\/ — Visa\u4eca\u5929\u5ba3\u5e03\uff0c\u7531\u4e8e\u91c7\u7528\u4e86Visa Token Service\uff08Visa\u4ee4\u724c\u670d\u52a1\uff0c\u7b80\u79f0"VTS"\uff09\uff0c2023\u5e74\u4e9a\u592a\u5730\u533a\u6570\u5b57\u7ecf\u6d4e\u589e\u957f\u8d85\u8fc720\u4ebf\u7f8e\u5143[1]\u3002\u968f\u7740\u4e9a\u592a\u5730\u533a\u4ee4\u724c\u6570\u91cf\u8fbe\u523010\u4ebf[2]\u7684\u91cc\u7a0b\u7891\uff0c\u8fd9\u4e00\u6210\u5c31\u51f8\u663e\u4e86\u4ee4\u724c\u4e3a\u5e97\u5185\u548c\u5728\u7ebf\u6570\u5b57\u5546\u52a1\u5e26\u6765\u7684\u5f3a\u5927\u4ef7\u503c\u3002 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\u4ee4\u724c\u8fd8\u80fd\u52a0\u5f3a\u63a7\u5236\uff0c\u4e30\u5bcc\u6bcf\u7b14\u4ea4\u6613\u7684\u6570\u636e\u4ea4\u6362\uff0c\u4ece\u800c\u6539\u8fdb\u652f\u4ed8\u5904\u7406\u3002\u8fd9\u4e9b\u6539\u8fdb\u51cf\u5c11\u4e86\u5408\u6cd5\u4ea4\u6613\u88ab\u652f\u4ed8\u7cfb\u7edf\u62d2\u7edd\u7684\u60c5\u51b5\uff0c\u800c\u8fd9\u6837\u7684\u7ecf\u5386\u53ef\u80fd\u4f1a\u4ee4\u6d88\u8d39\u8005\u548c\u5546\u5bb6\u611f\u5230\u6cae\u4e27\u3002\u91c7\u7528VTS\u6570\u5b57\u652f\u4ed8\u7684\u5546\u6237\uff0c\u5176\u652f\u4ed8\u6210\u529f\u7387\u66f4\u9ad8\uff0c\u6388\u6743\u989d\u5ea6\u589e\u52a0\u4e8620\u4ebf\u7f8e\u5143\uff0c\u652f\u4ed8\u6b3a\u8bc8\u7387\u964d\u4f4e\u4e86\u4e00\u534a\u4ee5\u4e0a\uff0858%\uff09[3]\u3002 Visa\u4e9a\u592a\u533a\u5546\u6237\u9500\u552e\u4e0e\u6536\u5355\u4e1a\u52a1\u4e3b\u7ba1Previn 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Visa\u4e9a\u592a\u533a\u4ea7\u54c1\u4e0e\u89e3\u51b3\u65b9\u6848\u4e3b\u7ba1TR Ramachandran\u8868\u793a\uff1a"\u4ee4\u724c\u4e3a\u672a\u6765\u7684\u5546\u4e1a\u53d1\u5c55\u94fa\u5e73\u4e86\u9053\u8def\uff0c\u56e0\u4e3a\u4ee4\u724c\u5316\u652f\u4ed8\u51ed\u8bc1\u5177\u6709\u5de8\u5927\u7684\u521b\u65b0\u53ef\u80fd\u6027\uff0c\u80fd\u591f\u5e26\u6765\u8d85\u8d8a\u5b9e\u4f53Visa\u5361\u7684\u5168\u65b0\u3001\u66f4\u52a0\u4e2a\u6027\u5316\u7684\u6d88\u8d39\u4f53\u9a8c\u3002\u6211\u4eec\u5c06\u4e0e\u5408\u4f5c\u4f19\u4f34\u4e00\u8d77\uff0c\u7ee7\u7eed\u52a0\u5f3a\u73b0\u4ee3\u51ed\u8bc1\u6240\u63d0\u4f9b\u7684\u529f\u80fd\uff0c\u4e3a\u6574\u4e2a\u652f\u4ed8\u751f\u6001\u7cfb\u7edf\u5e26\u6765\u66f4\u591a\u4ef7\u503c\u3002" \u6b32\u4e86\u89e3Visa\u5f15\u9886\u4ee4\u724c\u8f6c\u578b\u7684\u66f4\u591a\u4fe1\u606f\uff0c\u8bf7\u8bbf\u95ee\u6b64\u5904\u3002 [1]  2023\u5e741\u6708\u81f312\u6708\u4e9a\u592a\u5730\u533a\u901a\u8fc7VisaNet\u4f7f\u7528\u4ee4\u724c\u5316\u51ed\u8bc1\u5904\u7406\u7684\u652f\u4ed8\u989d\u4e58\u4ee5\u6388\u6743\u4e0a\u8c03\u989d\u3002 [2] \u622a\u81f32024\u5e743\u6708\uff0c\u4e0e\u4e9a\u592a\u5730\u533a\u6388\u6743\u53d1\u5361\u673a\u6784\u76f8\u5173\u8054\u7684Visa\u7cfb\u7edf\u53d1\u884c\u7684\u4ee4\u724c\u6570\u91cf\u3002 [3] Visa Risk Datamart, Global, FY22 Q1\u2013Q4 Token Fraud Rate vs PAN Fraud Rate by PV for merchants with over 1,000 CNP token transactions per month per country.\uff08Visa\u98ce\u9669\u6570\u636e\u5e02\u573a\uff0c\u5168\u7403\uff0c2022\u8d22\u5e74\u7b2c\u4e00\u5b63\u5ea6\u81f3\u7b2c\u56db\u5b63\u5ea6\u4ee4\u724c\u6b3a\u8bc8\u7387(Token Fraud Rate)\u4e0e\u4e3b\u8d26\u53f7\u6b3a\u8bc8\u7387(PAN Fraud 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Visa\uff08\u7ebd\u7ea6\u8bc1\u5238\u4ea4\u6613\u6240\u4ee3\u7801\uff1aV\uff09\u662f\u5168\u7403\u9886\u5148\u7684\u6570\u5b57\u652f\u4ed8\u516c\u53f8\uff0c\u6bcf\u5e74\u670d\u52a1200\u591a\u4e2a\u56fd\u5bb6\u548c\u5730\u533a\u7684\u6d88\u8d39\u8005\u3001\u5546\u5bb6\u3001\u91d1\u878d\u673a\u6784\u548c\u653f\u5e9c\u673a\u6784\u3002\u6211\u4eec\u7684\u4f7f\u547d\u662f\u901a\u8fc7\u521b\u65b0\u3001\u4fbf\u6377\u3001\u53ef\u9760\u548c\u5b89\u5168\u7684\u652f\u4ed8\u7f51\u7edc\u8fde\u63a5\u4e16\u754c\uff0c\u4fc3\u4f7f\u4e2a\u4eba\u3001\u4f01\u4e1a\u548c\u7ecf\u6d4e\u6d3b\u52a8\u84ec\u52c3\u53d1\u5c55\u3002\u6211\u4eec\u76f8\u4fe1\uff0c\u5305\u5bb9\u6027\u7ecf\u6d4e\u80fd\u591f\u8ba9\u6bcf\u4e2a\u4eba\u5728\u4efb\u4f55\u5730\u65b9\u90fd\u53ef\u4ee5\u5f97\u5230\u63d0\u5347\u4e0e\u8fdb\u6b65\uff0c\u800c\u4e3a\u6240\u6709\u4eba\u63d0\u4f9b\u673a\u4f1a\u662f\u672a\u6765\u8d27\u5e01\u6d41\u901a\u7684\u6839\u57fa\u3002\u5982\u6b32\u67e5\u8be2\u66f4\u591a\u4fe1\u606f\uff0c\u8bf7\u8bbf\u95ee\uff1aVisa.com\u3002 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