Visa 的 Mark Nelsen 談論代幣化的演變及其對全球市場的影響

在本次 Help Net Security 訪談中，Visa 資深副總裁兼消費性產品全球主管 Mark Nelsen 討論了代幣技術與現有支付系統的整合。

Businesses can integrate tokens into their existing payment systems by working with a payment processor or directly enabling and deploying tokens in their own systems. Smaller businesses face challenges with awareness of tokenization, which is being addressed through education efforts.

企業可以透過與支付處理器合作或直接在自己的系統中啟用和部署令牌，將令牌整合到現有的支付系統中。小型企業面臨著代幣化意識的挑戰，而這個問題正透過教育工作來解決。

Since 2014, Visa has issued over 10 billion tokens, and the technology has seen several evolutions, including enabling new payment use cases and driving innovation in areas like AI-powered shopping experiences and consumer control over data.

自 2014 年以來，Visa 已發行超過 100 億枚代幣，該技術也經歷了多次演變，包括支援新的支付用例以及推動人工智慧驅動的購物體驗和消費者對數據的控制等領域的創新。

In global markets, tokenization adoption corresponds with digital payment adoption rates, with tokens playing a crucial role in closing the payment approval gap between in-person and digital payments. This leads to higher sales volumes and an economic uplift in markets that implement tokenization.

在全球市場中，代幣化的採用與數位支付的採用率相對應，代幣在縮小面對面支付和數位支付之間的支付審批差距方面發揮著至關重要的作用。這會帶來更高的銷售量和實施代幣化的市場的經濟提升。

Tokens reduce fraud rates by up to 60% through mechanisms like devaluing data, where sensitive cardholder information is replaced with unique digital identifiers during transactions, minimizing the impact of data breaches and fraudulent activities.

令牌透過資料貶值等機制將詐欺率降低高達 60%，其中敏感的持卡人資訊在交易過程中被唯一的數位識別碼替換，從而最大限度地減少資料外洩和詐欺活動的影響。

Regulatory considerations for implementing tokenization vary across different markets, and Visa works closely with partners and regulators to ensure compliance with local regulations and classifications of tokens.

不同市場實施代幣化的監管考慮因素各不相同，Visa 與合作夥伴和監管機構密切合作，以確保遵守當地法規和代幣分類。