Fiserv、Visa 和 Mastercard 銳意進取：確保人工智能支付的未來

Fiserv、Visa 和 Mastercard 聯手推動安全、人工智能驅動的商務，為企業和消費者重新定義在日益自動化的世界中交易的發生方式。

In a world where automation is fast becoming the norm, financial heavyweights Fiserv, Visa, and Mastercard are joining forces to ensure your digital transactions are not just seamless, but ironclad secure. These collaborations mark a significant stride in what’s being dubbed 'agentic commerce,' leveraging advanced protocols and frameworks to make automated shopping and payments smarter and safer.

在自動化迅速成為常態的世界中，金融巨頭 Fiserv、Visa 和 Mastercard 聯手確保您的數字交易不僅無縫，而且絕對安全。這些合作標誌著所謂的“代理商務”的重大進步，利用先進的協議和框架使自動化購物和支付更加智能和安全。

A New Era of Agentic Commerce

代理商務的新時代

Fiserv, a global leader in payments and financial technology, is embedding itself at the forefront of this digital transformation. By linking up with Visa and Mastercard, Fiserv aims to empower merchants to navigate the evolving landscape of automated commerce with confidence. This isn't just about convenience; it's about establishing systems that can deftly differentiate between a genuine user and a malicious bot, a critical concern as more transactions go digital.

Fiserv 是支付和金融技術領域的全球領導者，正處於數字化轉型的最前沿。通過與 Visa 和 Mastercard 合作，Fiserv 旨在幫助商家自信地駕馭不斷變化的自動化商務格局。這不僅僅是為了方便；更是為了方便。這是關於建立能夠巧妙地區分真實用戶和惡意機器人的系統，隨著越來越多的交易走向數字化，這是一個關鍵問題。

Building Trust in Automated Transactions

建立自動化交易的信任

Visa’s contribution comes in the form of its Trusted Agent Protocol, which Fiserv is deploying across its extensive acceptance ecosystem. Think of it as a digital bouncer, identifying trusted entities and keeping the bad actors at bay, ensuring every automated interaction is built on a foundation of trust. As Rubail Birwadker, Visa’s global head of growth products, puts it, partners like Fiserv are “essential to scaling these secure, innovative solutions for merchants and consumers worldwide.”

Visa 的貢獻體現在其可信代理協議上，Fiserv 正在其廣泛的接受生態系統中部署該協議。將其視為數字保鏢，識別受信任的實體並阻止不良行為者，確保每次自動交互都建立在信任的基礎上。正如 Visa 增長產品全球主管 Rubail Birwadker 所說，像 Fiserv 這樣的合作夥伴“對於為全球商家和消費者擴展這些安全、創新的解決方案至關重要”。

Mastercard, not to be outdone, is bringing its Agent Pay Acceptance Framework to the table, with Fiserv positioning itself as a key processor for this cutting-edge technology. This framework is designed to create a secure and scalable environment for AI agents to conduct transactions on behalf of customers, further bolstered by Mastercard’s Secure Card on File solution for enhanced payment security. Chiro Aikat, co-president of Mastercard, highlights the goal: “These technologies simplify transactions, reduce friction, and enable businesses to deliver faster, more personalized experiences.”

萬事達卡也不甘示弱，將其代理支付接受框架擺在桌面上，而 Fiserv 將自己定位為這項尖端技術的關鍵處理器。該框架旨在為人工智能代理創建一個安全且可擴展的環境，以代表客戶進行交易，並得到萬事達卡安全卡文件解決方案的進一步支持，以增強支付安全性。萬事達卡聯席總裁 Chiro Aikat 強調了這一目標：“這些技術簡化了交易，減少了摩擦，並使企業能夠提供更快、更個性化的體驗。”

Beyond the Bots: A Broader Digital Shift

超越機器人：更廣泛的數字化轉變

These partnerships are more than just about preventing fraud; they reflect an industry-wide commitment to fostering innovation and meeting the rising consumer demand for convenient, yet secure, transaction methods. Visa, for instance, has also been busy modernizing its settlement layer, recently unveiling USDC settlement in the United States, signaling a broader embrace of stablecoins and digital assets to underpin global commerce.

這些合作夥伴關係不僅僅是為了防止欺詐；還為了防止欺詐。它們反映了全行業對促進創新和滿足消費者對便捷而安全的交易方式不斷增長的需求的承諾。例如，Visa 也一直忙於對其結算層進行現代化改造，最近在美國推出了 USDC 結算，這標誌著穩定幣和數字資產將得到更廣泛的採用，以支撐全球商業。

This drive towards digital isn't without its bumps in the road. Both Visa and Mastercard recently settled a protracted, decade-long lawsuit over ATM fees, agreeing to disburse $167.5 million. While denying any wrongdoing, such settlements underscore the pragmatic decisions financial giants make to clear the decks and focus on future-forward initiatives. It's a reminder that even as they innovate at warp speed, the industry still navigates complex legal landscapes.

數字化進程並非一帆風順。 Visa 和萬事達卡最近就 ATM 收費問題達成了和解，雙方同意支付 1.675 億美元。雖然否認有任何不當行為，但此類和解協議凸顯了金融巨頭為掃清障礙並專注於未來舉措而做出的務實決定。這提醒我們，即使他們以極快的速度進行創新，該行業仍然要應對複雜的法律環境。

Navigating the Evolving Payment Landscape

駕馭不斷變化的支付格局

The writing is on the wall: the financial world is rapidly shifting away from paper money. Visa anticipates a future where cash holds less sway, projecting that cards could account for 50% of all consumer payments by 2026. This move aligns perfectly with the current collaborations, emphasizing that robust security frameworks and seamless user experiences will be fundamental as AI's influence in commerce continues to expand.

不祥之兆是：金融世界正在迅速擺脫紙幣。 Visa 預計未來現金的影響力會減弱，預計到 2026 年，銀行卡將佔所有消費者支付的 50%。這一舉措與當前的合作完美契合，強調隨著人工智能在商業中的影響力不斷擴大，強大的安全框架和無縫的用戶體驗將至關重要。

The Bottom Line

底線

These strategic alliances between Fiserv, Visa, and Mastercard are paving the way for a more intelligent, automated, and — crucially — secure financial future. For merchants, it means optimizing safety and streamlining user experiences. For consumers, it promises easier, more trustworthy transactions. So, whether you're paying with a tap or an AI agent handles your purchase, it looks like the future of money is shaping up to be smarter, safer, and a whole lot smoother.

Fiserv、Visa 和萬事達卡之間的這些戰略聯盟正在為更加智能、自動化且（最重要的是）安全的金融未來鋪平道路。對於商家來說，這意味著優化安全性並簡化用戶體驗。對於消費者來說，它承諾更輕鬆、更值得信賴的交易。因此，無論你是通過點擊付款還是由人工智能代理處理你的購買，看起來貨幣的未來正在變得更智能、更安全、更順暢。