Visa 的 Mark Nelsen 谈代币化的演变及其对全球市场的影响

在本次 Help Net Security 采访中，Visa 高级副总裁兼消费产品全球主管 Mark Nelsen 讨论了令牌技术与现有支付系统的集成。

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.

企业可以通过与支付处理器合作或直接在自己的系统中启用和部署令牌，将令牌集成到现有的支付系统中。小型企业面临着代币化意识方面的挑战，这一问题正在通过教育工作来解决。

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 年以来，Visa 已发行超过 100 亿枚代币，该技术也经历了多次演变，包括支持新的支付用例以及推动人工智能驱动的购物体验和消费者对数据的控制等领域的创新。

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.

在全球市场中，代币化的采用与数字支付的采用率相对应，代币在缩小面对面支付和数字支付之间的支付审批差距方面发挥着至关重要的作用。这会带来更高的销量和实施代币化的市场的经济提升。

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.

令牌通过数据贬值等机制将欺诈率降低高达 60%，其中敏感的持卡人信息在交易过程中被唯一的数字标识符替换，从而最大限度地减少数据泄露和欺诈活动的影响。

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.

不同市场实施代币化的监管考虑因素各不相同，Visa 与合作伙伴和监管机构密切合作，以确保遵守当地法规和代币分类。