{"id":3846,"date":"2025-12-01T16:31:44","date_gmt":"2025-12-01T08:31:44","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3846"},"modified":"2025-12-01T16:31:44","modified_gmt":"2025-12-01T08:31:44","slug":"%e7%be%8e%e5%9b%bd%e7%94%b5%e5%ad%90%e5%95%86%e5%8a%a1%e7%9a%84%e7%b9%81%e8%8d%a3%e5%a6%82%e4%bd%95%e6%8c%81%e7%bb%ad%e6%8e%a8%e5%8a%a8%e6%94%af%e4%bb%98%e5%88%9b%e6%96%b0%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ja\/2025\/12\/01\/%e7%be%8e%e5%9b%bd%e7%94%b5%e5%ad%90%e5%95%86%e5%8a%a1%e7%9a%84%e7%b9%81%e8%8d%a3%e5%a6%82%e4%bd%95%e6%8c%81%e7%bb%ad%e6%8e%a8%e5%8a%a8%e6%94%af%e4%bb%98%e5%88%9b%e6%96%b0%ef%bc%9f\/","title":{"rendered":"\u7f8e\u56fd\u7535\u5b50\u5546\u52a1\u7684\u7e41\u8363\u5982\u4f55\u6301\u7eed\u63a8\u52a8\u652f\u4ed8\u521b\u65b0\uff1f"},"content":{"rendered":"<p>\u3067\u306f\u3001\u56fd\u969b\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u306e\u5c02\u9580\u5bb6\u3068\u3057\u3066\u3001\u8981\u4ef6\u3092\u6e80\u305f\u3059\u4e2d\u56fd\u8a9e\u8a18\u4e8b\u3092\u66f8\u304d\u307e\u3059\u3002<\/p>\n<hr>\n<h3><strong>\u7f8e\u56fd\u7535\u5b50\u5546\u52a1\u7684\u7e41\u8363\u5982\u4f55\u6301\u7eed\u63a8\u52a8\u652f\u4ed8\u521b\u65b0\uff1f<\/strong><\/h3>\n<p>\u5728\u6570\u5b57\u6d6a\u6f6e\u5e2d\u5377\u5168\u7403\u7684\u4eca\u5929\uff0c\u7f8e\u56fd\u7535\u5b50\u5546\u52a1\u5e02\u573a\u65e0\u7591\u7ad9\u5728\u4e86\u8fd9\u573a\u53d8\u9769\u7684\u6700\u524d\u6cbf\u3002\u5176\u5e9e\u5927\u7684\u5e02\u573a\u89c4\u6a21\u3001\u6210\u719f\u7684\u6d88\u8d39\u8005\u57fa\u7840\u4ee5\u53ca\u6fc0\u70c8\u7684\u5546\u4e1a\u7ade\u4e89\uff0c\u5171\u540c\u6784\u6210\u4e86\u4e00\u4e2a\u65e0\u4e0e\u4f26\u6bd4\u7684\u201c\u521b\u65b0\u8bd5\u9a8c\u573a\u201d\u3002\u800c\u5728\u8fd9\u4e2a\u8bd5\u9a8c\u573a\u7684\u6838\u5fc3\u5730\u5e26\uff0c\u652f\u4ed8\u73af\u8282\u626e\u6f14\u7740\u81f3\u5173\u91cd\u8981\u7684\u89d2\u8272\u3002\u53ef\u4ee5\u8bf4\uff0c\u7f8e\u56fd\u7535\u5546\u7684\u6301\u7eed\u7e41\u8363\u5e76\u975e\u4ec5\u4ec5\u53d7\u76ca\u4e8e\u652f\u4ed8\u521b\u65b0\uff0c\u5b83\u672c\u8eab\u66f4\u662f\u9a71\u52a8\u652f\u4ed8\u6280\u672f\u4e0d\u65ad\u8fed\u4ee3\u5347\u7ea7\u7684\u6838\u5fc3\u5f15\u64ce\u3002\u672c\u6587\u5c06\u6df1\u5165\u63a2\u8ba8\u8fd9\u4e00\u52a8\u6001\u5173\u7cfb\uff0c\u89e3\u6790\u7e41\u8363\u80cc\u540e\u7684\u652f\u4ed8\u521b\u65b0\u903b\u8f91\u3002<\/p>\n<h4><strong>\u4e00\u3001 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\u4f20\u7edf\u7684\u7ebf\u4e0a\u7ed3\u8d26\u6d41\u7a0b\u6b65\u9aa4\u7e41\u7410\uff0c\u9700\u8981\u624b\u52a8\u8f93\u5165\u5197\u957f\u7684\u5361\u53f7\u3001\u6709\u6548\u671f\u3001\u5b89\u5168\u7801\u548c\u8d26\u5355\u5730\u5740\u3002\u5728\u9ad8\u9891\u6b21\u7684\u7f51\u8d2d\u884c\u4e3a\u4e0b\uff0c\u6d88\u8d39\u8005\u5bf9\u201c\u6469\u64e6\u201d\u7684\u5bb9\u5fcd\u5ea6\u6025\u5267\u4e0b\u964d\u3002\u7535\u5546\u5de8\u5934\u5982\u4e9a\u9a6c\u900a\u63a8\u51fa\u7684\u201c\u4e00\u952e\u8d2d\u4e70\u201d\u4e13\u5229\u6280\u672f\u7387\u5148\u6811\u7acb\u4e86\u884c\u4e1a\u6807\u6746\u3002\u8fd9\u79cd\u9700\u6c42\u76f4\u63a5\u50ac\u751f\u4e86<strong>\u4ee4\u724c\u5316\u6280\u672f<\/strong> \u6b4c\u3067\u5fdc\u3048\u308b<strong>\u94b1\u5305\u5316\u652f\u4ed8\u7684\u666e\u53ca<\/strong>\u3002\u901a\u8fc7Apple Pay, Google Pay, PayPal\u7b49\u6570\u5b57\u94b1\u5305\uff0c\u7528\u6237\u53ea\u9700\u4e00\u6b21\u9a8c\u8bc1\u5373\u53ef\u5b8c\u6210\u6388\u6743\uff0c\u5c06\u590d\u6742\u7684\u652f\u4ed8\u4fe1\u606f\u4ea4\u4e92\u7b80\u5316\u4e3a\u77ac\u95f4\u5b8c\u6210\u7684\u751f\u7269\u8bc6\u522b\u6216\u5bc6\u7801\u786e\u8ba4\u3002\u8fd9\u4e0d\u4ec5\u63d0\u5347\u4e86\u8f6c\u5316\u7387\uff0c\u66f4\u5b9a\u4e49\u4e86\u73b0\u4ee3\u652f\u4ed8\u7684\u7528\u6237\u4f53\u9a8c\u6807\u51c6\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u5bf9\u5b89\u5168\u6027\u4e0e\u4fe1\u4efb\u7684\u6781\u81f4\u8ffd\u6c42\uff1a<\/strong> \u968f\u7740\u7f51\u7edc\u653b\u51fb\u548c\u6570\u636e\u6cc4\u9732\u4e8b\u4ef6\u9891\u53d1\uff0c\u201c\u5b89\u5168\u201d\u6210\u4e3a\u5f71\u54cd\u6d88\u8d39\u8005\u51b3\u7b56\u7684\u5173\u952e\u56e0\u7d20\u3002\u7535\u5546\u5e73\u53f0\u548c\u652f\u4ed8\u7f51\u5173\u4e3a\u4e86\u5efa\u7acb\u5e76\u7ef4\u6301\u4fe1\u4efb\u94fe\uff0c\u5fc5\u987b\u4e0d\u65ad\u5f15\u5165\u66f4\u9ad8\u7ea7\u522b\u7684\u5b89\u5168\u4fdd\u969c\u3002<\/p>\n<ul>\n<li><strong>3D Secure 2.0\u534f\u8bae\uff1a<\/strong> \u76f8\u8f83\u4e8e\u7b28\u62d9\u76841.0\u7248\u672c\uff0c3DS2\u5b9e\u73b0\u4e86\u65e0\u6469\u64e6\u8ba4\u8bc1\u4e0e\u5f3a\u5ba2\u6237\u8ba4\u8bc1\u7684\u52a8\u6001\u5e73\u8861\u3002\u5b83\u80fd\u5728\u540e\u53f0\u5206\u6790\u6570\u767e\u4e2a\u6570\u636e\u70b9\uff08\u5982\u8bbe\u5907ID\u3001\u4ea4\u6613\u5386\u53f2\u3001\u5730\u7406\u4f4d\u7f6e\uff09\uff0c\u4ec5\u5728\u98ce\u9669\u8f83\u9ad8\u65f6\u624d\u4f1a\u89e6\u53d1\u6311\u6218\uff08\u5982\u77ed\u4fe1\u9a8c\u8bc1\u7801\u6216\u751f\u7269\u8bc6\u522b\uff09\uff0c\u4ece\u800c\u5728\u4e0d\u727a\u7272\u5b89\u5168\u7684\u524d\u63d0\u4e0b\u6700\u5927\u5316\u6d41\u7545\u5ea6\u3002<\/li>\n<li><strong>\u673a\u5668\u5b66\u4e60\u4e0e\u4eba\u5de5\u667a\u80fd\u98ce\u63a7\uff1a<\/strong> \u9762\u5bf9\u6d77\u91cf\u5b9e\u65f6\u4ea4\u6613\u4f20\u7edf\u89c4\u5219\u5f0f\u98ce\u63a7\u7cfb\u7edf\u5df2\u529b\u4e0d\u4ece\u5fc3\u57fa\u4e8eAI\u7684\u98ce\u63a7\u5f15\u64ce\u80fd\u591f\u5b9e\u65f6\u5206\u6790\u4ea4\u6613\u6a21\u5f0f\u7cbe\u51c6\u8bc6\u522b\u6b3a\u8bc8\u884c\u4e3a\u540c\u65f6\u6709\u6548\u964d\u4f4e\u8bef\u62a5\u7387\u4fdd\u969c\u5408\u6cd5\u4ea4\u6613\u7684\u987a\u7545\u8fdb\u884c\u8fd9\u5df2\u6210\u4e3a\u73b0\u4ee3\u56fd\u9645\u652f\u4ed8\u7f51\u5173\u7684\u6838\u5fc3\u7ade\u4e89\u529b<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u7075\u6d3b\u6027\u4e0e\u591a\u6837\u5316\u7684\u4ed8\u6b3e\u65b9\u5f0f\uff1a<\/strong><\/p>\n<ul>\n<li><strong>\u5148\u4e70\u540e\u4ed8\u7684\u706b\u7206:<\/strong> \u201c\u5148\u4e70\u540e\u4ed8\u201d\uff08BNPL\uff09\u670d\u52a1\u5982Affirm, Klarna\u548cAfterpay\u7684\u6210\u529f\u5b8c\u7f8e\u8be0\u91ca\u4e86\u7535\u5546\u9700\u6c42\u5982\u4f55\u521b\u9020\u65b0\u7684\u652f\u4ed8\u8d5b\u9053\u5b83\u4eec\u5c06\u5927\u989d\u6d88\u8d39\u62c6\u5206\u4e3a\u6570\u671f\u514d\u606f\u6216\u4f4e\u606f\u7684\u5c0f\u989d\u4ed8\u6b3e\u6781\u5927\u964d\u4f4e\u4e86\u6d88\u8d39\u8005\u7684\u8d2d\u4e70\u95e8\u69db\u523a\u6fc0\u4e86\u5ba2\u5355\u4ef7\u548c\u9500\u552e\u91cf\u7684\u63d0\u5347\u662f\u6d88\u8d39\u91d1\u878d\u4e0e\u5373\u65f6\u652f\u4ed8\u7684\u5b8c\u7f8e\u7ed3\u5408<\/li>\n<li><strong>\u5f00\u653e\u5f0f\u94f6\u884c\u4e0e\u8d26\u6237\u76f4\u4ed8:<\/strong> A2A Payments\u5728\u6b27\u6d32\u5174\u8d77\u540e\u4e5f\u5728\u7f8e\u56fd\u5d2d\u9732\u5934\u89d2\u5b83\u5141\u8bb8\u6d88\u8d39\u8005\u76f4\u63a5\u6388\u6743\u4ece\u81ea\u5df1\u7684\u94f6\u884c\u8d26\u6237\u6263\u6b3e\u8df3\u8fc7\u4e86\u4fe1\u7528\u5361\u7f51\u7edc\u624b\u7eed\u8d39\u66f4\u4f4e\u4e14\u7531\u4e8e\u76f4\u63a5\u5173\u8054\u94f6\u884c\u8d26\u6237\u5b89\u5168\u6027\u611f\u77e5\u66f4\u9ad8\u8fd9\u4e3a\u5546\u5bb6\u63d0\u4f9b\u4e86\u9664\u5361\u7ec4\u7ec7\u7f51\u7edc\u5916\u7684\u53e6\u4e00\u9ad8\u6548\u4f4e\u6210\u672c\u9009\u62e9<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h4><strong>\u4e8c\u3001\u4f9b\u7ed9\u4fa7\u9a71\u52a8\uff1a\u5546\u5bb6\u7ade\u4e89\u5012\u903c\u6280\u672f\u521b\u65b0<\/strong><\/h4>\n<p>\u5728\u9ad8\u5ea6\u9971\u548c\u7684\u7f8e\u56fd\u7535\u5546\u5e02\u573a\u4e2d\u5546\u5bb6\u4e3a\u4e86\u83b7\u53d6\u7ade\u4e89\u4f18\u52bf\u7559\u5b58\u5ba2\u6237\u5fc5\u987b\u5728\u6bcf\u4e00\u4e2a\u73af\u8282\u8fdb\u884c\u4f18\u5316\u800c\u4f5c\u4e3a\u4ea4\u6613\u95ed\u73af\u7684\u6700\u540e\u4e00\u6b65\u2014\u2014\u652f\u4ed8\u7684\u6210\u8d25\u76f4\u63a5\u5f71\u54cd\u8ba2\u5355\u662f\u5426\u6700\u7ec8\u8fbe\u6210<\/p>\n<ol>\n<li>\n<p><strong>\u8f6c\u5316\u7387\u662f\u751f\u547d\u7ebf:<\/strong> 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