信用卡安全码随时变 打击电信诈骗

A credit card with a constantly changing security code is being launched in an attempt to combat fraud.

英国将推出一种具有不断变化的安全码的信用卡，以打击诈骗行为。

The three numbers on the back of the card will be replaced by a digital display randomly generating a new combination every hour.

这种银行卡背面的三位数字将被一个数码显示屏上每小时随机生成的新的数字组合代替。

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.

数字安全公司欧贝特科技公司正在与英国银行商讨引入这一新发明，并称今年年底前法国消费者将使用此种银行卡。

The security code on the back of most credit and debit cards is required to make payments online.

大部分信用卡和借记卡需要背面的安全码进行在线支付。

Fraud in the UK involving cards, remote banking and cheques totalled £755million in 2015, with more than 20,000 victims.

2015年英国涉及银行卡、远程银行以及支票方面的诈骗行为总额达7.55亿英镑，受害者超过2万人。

The mini-screen on the new cards is powered by a small battery designed to last three years.

这种全新的银行卡上的迷你显示屏由一块小电池供电，电池的设计寿命为三年。

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.’

美国萨里大学网络安全专家艾伦•伍德沃德教授表示：“奇怪的是等了这么久它才出现。这一技术已经存在有一段时间了，所以现在的问题是让银行卡专家相信这是一件值得做的事。”

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).’

他对英国广播公司说：“对于银行卡运营商来说这么做成本可能很高，因为要确保我们的银行卡与运营商保持同步将需要一些额外的基础设施，但是许多为（网上银行）登录推出加密狗的银行已经这么做了。”

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.

该银行卡的缺点之一是客户将不能再记住他们的安全码，并且每次他们想要在线购物时都需要查看安全码。

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.

经过去年的试点方案后，法国兴业银行和法国BPCE银行集团正准备向客户发行该银行卡。墨西哥和波兰也进行了这种银行卡的测试。

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.

数字安全领域的又一进展是，万事达卡公司本周表示已经发明了一项技术，该技术可允许在线购物者在购物时发送个人“自拍”以证明其身份。

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.

该技术将不再需要密码作为三位数字码的附加安全级别。不过，密码难以记忆，不易被窃取或者被拦截。

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，万事达卡用户在网购时使用一个名为安全码的系统验证用户身份。如果顾客输入错误的密码，该程序可以终止购买或者拒绝交易。

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”密码系统要求用户在其手机里下载一款应用并拍一张自拍进行注册，这样其面容就存储在系统里了。

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.

为了授权支付，用户需看着相机，还必须证明他们不是仅仅举着一张别人的照片。如果用户乐意的话，他们也可以使用指纹扫描代替自拍。