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

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

The digital security company Oberthur Technologies is talking to U.K. banks about introducing the innovation and has said the cards will be used by French customers by the end of the year.

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

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

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.”

He told the BBC, “It may be costly for card operators as some extra infrastructure will be required to ensure our cards stay synchronized with the operator, but it happens already for many banks with the dongles they issue for login (to online banking).”

One drawback of the card is that customers will no longer be able to memorize their security code and will need to check every time they want to make an online purchase.

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.

In another development in digital security, MasterCard said 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.

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.

To authorize 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.

为了防止诈骗行为，一种全新的信用卡即将推出，其安全码会随机产生。

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数字组合代替。

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这种银行卡。在线支付大都要求用户输入信用卡和借记卡背面的安全码。

这种新卡上的迷你显示屏由一块小电池供电，电池的设计使用寿命为三

年。英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。这种技术已经存在一段时间了，所以现在的问题是让支付公司相信这事值得一做。”

他对英国广播公司说：“对于支付结算公司来说这么做成本可能很高，因为要确保银行卡与结算公司保持同步将需要一些额外的基础设施，但是许多银行已经这么做了，他们要求网银登录同时使用加密狗。”

该银行卡的缺点之一是客户将不可能再记住安全码，每次在线购物时他们都需要查看安全码。

经过去年的试点后，法国兴业银行和法国BPCE银行集团准备向客户发行这种银行卡。墨西哥和波兰也进行了这种银行卡的试点。

数字安全领域的又一进展是，万事达卡公司表示已经发明了一项技术，允许在线购物的用户支付时发送个人“自拍”以证明其身份。“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。为了授权支付，用户需看着相机，还必须证明他们不是举着一张别人的照片。如果用户乐意的话，也可以使用指纹扫描代替自拍照。

(Chinadaily.com.cn)

    Words to Learn 相关词汇

    【昂贵的】ángguì de costly expensive

    【加密狗】jiāmìgǒu dongle an electronic device that accompanies a software item to prevent the unauthorized copying of programs or ensure transaction safety