支付标记化助推重塑支付安全体系

经济参考报2025-05-09

近日，万事网联信息技术（北京）有限公司（以下简称万事网联）宣布，正式在中国境内推出支付标记化服务，此举旨在进一步加强消费者信息安全保护，提高支付便利性。业内人士认为，未来，支付标记化应用范围有望不断扩大、使用场景将持续创新，助推支付安全体系加速重塑。　　万事网联相关负责人对记者表示，万事网联已经完成万事网联支付标记化平台核心功能的开发上线及系统认证、合规评估和监管报备等工作，将陆续推出线上无卡支付...

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system","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"MA":0.68},"content_text":"近日，万事网联信息技术（北京）有限公司（以下简称万事网联）宣布，正式在中国境内推出支付标记化服务，此举旨在进一步加强消费者信息安全保护，提高支付便利性。业内人士认为，未来，支付标记化应用范围有望不断扩大、使用场景将持续创新，助推支付安全体系加速重塑。　　万事网联相关负责人对记者表示，万事网联已经完成万事网联支付标记化平台核心功能的开发上线及系统认证、合规评估和监管报备等工作，将陆续推出线上无卡支付、线下电子钱包非接支付（X-pay）等产品。“首批发卡及收单成员已启动开发工作，很快将与大家见面。”该负责人表示。　　支付标记化技术由国际芯片卡标准化组织EMVCo于2014年正式发布。所谓支付标记化服务，是应用支付标记化技术（Tokenization），替代银行卡卡号、卡片验证码、支付机构支付账户等敏感信息，并通过设置支付标记的交易次数、交易金额、有效期和支付渠道等约束规则，从源头控制信息泄露和欺诈交易风险。　　据悉，通过这项服务，交易全程无须出现银行卡卡号、有效期等关键信息，持卡人可以实现在数字钱包或超级应用上的无卡支付，还可以绑定智能手机、可穿戴设备在线下使用，在保障安全的同时提升支付便利性。　　2016年11月，中国人民银行发布《中国金融移动支付支付标记化技术规范》，要求各商业银行、非银行支付机构、银行卡清算机构从2016年12月1日起全面应用支付标记化技术。万事网联相关负责人表示，为了更好地服务中国机构和持卡人，一方面，万事网联的支付标记化服务综合了POBC和EMV的标准，并且能够做到交易过程中不含敏感信息，更有效保护数据和隐私安全，另一方面，万事网联的支付标记化平台与万事达卡全球网络进行了集成，银行和支付机构、钱包等与万事网联合作后，能够便捷地接入万事达卡庞大的全球网络，大大增加了业务发展空间，也能为消费者提供更广泛的支付服务。　　记者了解到，自2013年推出以来，万事达卡支付标记化技术已实现跨越式发展。从最初耗时3年达成10亿笔交易，到当前每周处理超10亿笔交易，万事达卡全球标记化交易覆盖率已达35%。　　“从线上无卡交易，到数字钱包线下非接交易，从可穿戴设备的应用，到通过生物识别认证手段进一步优化消费者数字支付体验，未来我们将看到支付标记化的应用范围不断扩大，使用场景持续创新，并加速重塑全球支付安全体系。”万事达卡相关负责人表示。据介绍，2024年，万事达卡推出了通行密钥（Passkey）服务，在支付标记化交易发起过程中，持卡人可通过该服务使用指纹、人脸或静脉掌纹等生物特征来进行身份认证，在增强交易安全的同时也有效优化了支付体验。（文章来源：经济参考报）","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 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