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Visa计划在移动支付时代告别签名环节

从明年四月起,Visa将在EMV芯片卡或非接触式付款环节减除签名这一要求。

也就是说,以后北美地区的Visa用户在使用Apple Pay、Google Pay(以前称为Android Pay / Google Wallet)和Samsung Pay进行交易时,只需通过经过身份验证的设备触摸付款终端即可。 EMV芯片和非接触式支付通常依赖于单个交易的标记化的一次性代码,而不是在多个交易中重复使用相同的代码,从而减少了欺诈的可能性。

值得注意的时,自从EMV芯片推出后这不到两年的时间里,美国的信用卡欺诈总量已经下降了66%。Visa不仅将这一变化作为了自己革新的一个动力,同时还在其中添加了“高级分析和生物识别技术”,提高了交易的安全性。

其实早在去年,万事达卡、美国运通和Discover就曾开展了相关类似革新。目前,这四家公司都宣布将减除美国和加拿大市场的付款签名要求。此外,Discover公司的革新范围还包括了墨西哥和加勒比地区,而美国运通则计划在全球推广无签名计划。

以前,超过25美元或50美元的付款均需要持卡人的签名确认,具体金额各家信用卡商要求不同。而事实上,尽管发卡商有要求,但是有些供货商还是会跳过这一环节。如今随着Visa等公司条例的更新,是否需要签名授权的选择权将正式交付到供货商手中。

Visa today announced that it will join MasterCard, American Express, and Discover in eliminating the need for signatures when making any EMV chip or contactless payment, starting this April.

The change will enable North American users of Apple Pay, Google Pay (formerly Android Pay/Google Wallet), and Samsung Pay to complete Visa transactions with little more than an identity-authenticated touch of the device to a payment terminal. EMV chip and contactless payments generally rely on tokenized one-time codes for individual transactions, rather than reusing the same code across multiple transactions, reducing the potential for fraud.

Noting that credit card fraud has declined 66 percent in the United States in the less than two years since EMV chips were launched, Visa cites increased convenience as its reason for the change, along with use of “advanced analytics and biometrics” that are increasing transaction security.

Visa’s move follows similar announcements made by MasterCard, American Express, and Discover last year. All four of the companies are dropping the signature requirement this April across the United States and Canada. Discover will also eliminate it for Mexico and the Caribbean, while American Express is dropping signature requirements worldwide.

Depending on the card provider, a signature was previously required for payments exceeding either $25 or $50, as a backup means to confirm that the transaction was undertaken by the cardholder. In practice, some vendors skipped signature validation altogether, despite the requirement; Visa’s new rule will make the signature optional, at the vendor’s discretion.


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