信用卡安全碼隨時變 打擊電信詐騙大綱

A credit card with a constantly changing security code is being launched in an attempt to combat fraud.
英國將推出一種具有不斷變化的安全碼的信用卡，以打擊詐騙行爲。

The three numbers on the back of the card will be replaced by a digital display randomly generating a new combination every hour.
這種銀行卡背面的三位數字將被一個數碼顯示屏上每小時隨機生成的新的數字組合代替。

The digital security company Oberthur Technologies is talking to UK banks about introducing the innovation and has said the cards will be used by French customers by the end of the year.
數字安全公司歐貝特科技公司正在與英國銀行商討引入這一新發明，並稱今年年底前法國消費者將使用此種銀行卡。

The security code on the back of most credit and debit cards is required to make payments online.
大部分信用卡和借記卡需要背面的安全碼進行在線支付。

Fraud in the UK involving cards, remote banking and cheques totalled £755million in 2015, with more than 20,000 victims.
2015年英國涉及銀行卡、遠程銀行以及支票方面的詐騙行爲總額達7.55億英鎊，受害者超過2萬人。

The mini-screen on the new cards is powered by a small battery designed to last three years.
這種全新的銀行卡上的迷你顯示屏由一塊小電池供電，電池的設計壽命爲三年。

Professor Alan Woodward, a cyber-security expert from Surrey University, said: ‘It’s surprising it has taken so long for this to appear. The technology has existed for some time so now it will be a case of persuading card processors that it is worth doing.’
美國薩里大學網絡安全專家艾倫•伍德沃德教授表示：“奇怪的是等了這麼久它纔出現。這一技術已經存在有一段時間了，所以現在的問題是讓銀行卡專家相信這是一件值得做的事。”

He told the BBC: ‘It may be costly for card operators as some extra infrastructure will be required to ensure our cards stay synchronised with the operator, but it happens already for many banks with the dongles they issue for login (to online banking).’
他對英國廣播公司說：“對於銀行卡運營商來說這麼做成本可能很高，因爲要確保我們的銀行卡與運營商保持同步將需要一些額外的基礎設施，但是許多爲（網上銀行）登錄推出加密狗的銀行已經這麼做了。”

One drawback of the card is that customers will no longer be able to memorise their security code and will need to check every time they want to make an online purchase.
該銀行卡的缺點之一是客戶將不能再記住他們的安全碼，並且每次他們想要在線購物時都需要查看安全碼。

The French banks Societe Generale and Groupe BPCE are preparing to issue the cards to customers after a pilot scheme last year. They are also being tested in Mexico and Poland.
經過去年的試點方案後，法國興業銀行和法國BPCE銀行集團正準備向客戶發行該銀行卡。墨西哥和波蘭也進行了這種銀行卡的測試。

In another development in digital security, MasterCard said this week that it has created technology that could allow online shoppers to send a ‘selfie’ of themselves to prove their identity when they make a purchase.
數字安全領域的又一進展是，萬事達卡公司本週表示已經發明瞭一項技術，該技術可允許在線購物者在購物時發送個人“自拍”以證明其身份。

It would do away with the need for passwords used as an additional level of security to the three-digit code. But passwords can be difficult to remember, stolen or intercepted.
該技術將不再需要密碼作爲三位數字碼的附加安全級別。不過，密碼難以記憶，不易被竊取或者被攔截。

MasterCard customers currently use a system called SecureCode to verify their identity while shopping online. The process can result in shoppers abandoning their purchase or having the transaction declined if they enter the password incorrectly.
目前，萬事達卡用戶在網購時使用一個名爲安全碼的系統驗證用戶身份。如果顧客輸入錯誤的密碼，該程序可以終止購買或者拒絕交易。

The ‘selfie’ password system involves customers downloading an app to their mobile phone and registering by taking a photo of themselves so their face is stored in the system.
“自拍”密碼系統要求用戶在其手機裏下載一款應用並拍一張自拍進行註冊，這樣其面容就存儲在系統裏了。

To authorise a payment they look into the camera and must verify they are not just holding up a photo of someone else. Customers will be able to use a scan of their fingerprint instead of a selfie if they prefer.
爲了授權支付，用戶需看着相機，還必須證明他們不是僅僅舉着一張別人的照片。如果用戶樂意的話，他們也可以使用指紋掃描代替自拍。