Fiserv、Visa 和 Mastercard 锐意进取：确保人工智能支付的未来

Fiserv、Visa 和 Mastercard 联手推动安全、人工智能驱动的商务，为企业和消费者重新定义在日益自动化的世界中交易的发生方式。

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.

在自动化迅速成为常态的世界中，金融巨头 Fiserv、Visa 和 Mastercard 联手确保您的数字交易不仅无缝，而且绝对安全。这些合作标志着所谓的“代理商务”的重大进步，利用先进的协议和框架使自动化购物和支付更加智能和安全。

A New Era of Agentic Commerce

代理商务的新时代

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 是支付和金融技术领域的全球领导者，正处于数字化转型的最前沿。通过与 Visa 和 Mastercard 合作，Fiserv 旨在帮助商家自信地驾驭不断变化的自动化商务格局。这不仅仅是为了方便；更是为了方便。这是关于建立能够巧妙地区分真实用户和恶意机器人的系统，随着越来越多的交易走向数字化，这是一个关键问题。

Building Trust in Automated Transactions

建立自动化交易的信任

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 的贡献体现在其可信代理协议上，Fiserv 正在其广泛的接受生态系统中部署该协议。将其视为数字保镖，识别受信任的实体并阻止不良行为者，确保每次自动交互都建立在信任的基础上。正如 Visa 增长产品全球主管 Rubail Birwadker 所说，像 Fiserv 这样的合作伙伴“对于为全球商家和消费者扩展这些安全、创新的解决方案至关重要”。

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.”

万事达卡也不甘示弱，将其代理支付接受框架摆在桌面上，而 Fiserv 将自己定位为这项尖端技术的关键处理器。该框架旨在为人工智能代理创建一个安全且可扩展的环境，以代表客户进行交易，并得到万事达卡安全卡文件解决方案的进一步支持，以增强支付安全性。万事达卡联席总裁 Chiro Aikat 强调了这一目标：“这些技术简化了交易，减少了摩擦，并使企业能够提供更快、更个性化的体验。”

Beyond the Bots: A Broader Digital Shift

超越机器人：更广泛的数字化转变

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.

这些合作伙伴关系不仅仅是为了防止欺诈；还为了防止欺诈。它们反映了全行业对促进创新和满足消费者对便捷而安全的交易方式不断增长的需求的承诺。例如，Visa 也一直忙于对其结算层进行现代化改造，最近在美国推出了 USDC 结算，这标志着稳定币和数字资产将得到更广泛的采用，以支撑全球商业。

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.

数字化进程并非一帆风顺。 Visa 和万事达卡最近就 ATM 收费问题达成了和解，双方同意支付 1.675 亿美元。虽然否认有任何不当行为，但此类和解协议凸显了金融巨头为扫清障碍并专注于未来举措而做出的务实决定。这提醒我们，即使他们以极快的速度进行创新，该行业仍然要应对复杂的法律环境。

Navigating the Evolving Payment Landscape

驾驭不断变化的支付格局

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：金融世界正在迅速摆脱纸币。 Visa 预计未来现金的影响力会减弱，预计到 2026 年，银行卡将占所有消费者支付的 50%。这一举措与当前的合作完美契合，强调随着人工智能在商业中的影响力不断扩大，强大的安全框架和无缝的用户体验将至关重要。

The Bottom Line

底线

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 和万事达卡之间的这些战略联盟正在为更加智能、自动化且（最重要的是）安全的金融未来铺平道路。对于商家来说，这意味着优化安全性并简化用户体验。对于消费者来说，它承诺更轻松、更值得信赖的交易。因此，无论你是通过点击付款还是由人工智能代理处理你的购买，看起来货币的未来正在变得更智能、更安全、更顺畅。