{"id":62080,"date":"2019-12-30T09:00:36","date_gmt":"2019-12-30T01:00:36","guid":{"rendered":"https:\/\/blog.trendmicro.com.tw\/?p=62080"},"modified":"2020-01-08T15:45:47","modified_gmt":"2020-01-08T07:45:47","slug":"%e9%96%8b%e6%94%be%e9%8a%80%e8%a1%8c%e7%9a%84%e9%a2%a8%e9%9a%aa","status":"publish","type":"post","link":"https:\/\/blog.trendmicro.com.tw\/?p=62080","title":{"rendered":"\u6e96\u5099\u597d\u8fce\u63a5PSD2\u4e86\u55ce?\u958b\u653e\u9280\u884c\u7684\u98a8\u96aa"},"content":{"rendered":"\n<p>\u8da8\u52e2\u79d1\u6280\u7684\u7814\u7a76\u5831\u544a\u5f37\u8abf\u4e86\u91d1\u878d\u696d\u5fc5\u9808\u62b5\u79a6\u7684\u7576\u524d\u53ca\u65b0\u98a8\u96aa\uff0c\u4e26\u9810\u6e2c\u7db2\u8def\u72af\u7f6a\u5206\u5b50\u5c07\u6703\u5982\u4f55\u5229\u7528\u548c\u653b\u64ca\u958b\u653e\u9280\u884c\u3002<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignleft is-resized\"><a href=\"https:\/\/documents.trendmicro.com\/assets\/white_papers\/wp-PSD2-The-Risks-of-Open-Banking.pdf\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/documents.trendmicro.com\/images\/TEx\/articles\/Risks%20of%20Open%20Banking%20Cover.jpg\" alt=\"\" width=\"119\" height=\"168\"\/><\/a><figcaption><a href=\"https:\/\/documents.trendmicro.com\/assets\/white_papers\/wp-PSD2-The-Risks-of-Open-Banking.pdf\"> \u4e0b\u8f09\u300c\u6e96\u5099\u597d\u8fce\u63a5PSD2\u4e86\u55ce\uff1a\u958b\u653e\u9280\u884c\u7684\u98a8\u96aa\u300d <\/a><\/figcaption><\/figure><\/div>\n\n\n\n<p>9\u670814\u65e5\u4ee3\u8868\u6b50\u76df\uff08EU\uff09\u4fee\u8a02\u7684\u7b2c\u4e8c\u865f\u652f\u4ed8\u670d\u52d9\u6307\u4ee4\uff08 Payment Service Directive ,\u4ee5\u4e0b\u7c21\u7a31 PSD2\uff09\u7684\u5be6\u65bd \u2013 \u4e5f\u7a31\u70ba\u958b\u653e\u9280\u884c\u3002PSD2\u7684\u76ee\u7684\u662f\u66ff\u5927\u773e\u63d0\u4f9b\u66f4\u591a\u4fbf\u5229\u53ca\u66f4\u597d\u7684\u9280\u884c\u8cc7\u6599\u63a7\u5236\u3002\u540c\u6642\u8b93\u7b2c\u4e09\u65b9\u91d1\u878d\u79d1\u6280\uff08FinTech\uff09\u516c\u53f8\u53d6\u5f97\u8ddf\u50b3\u7d71\u9280\u884c\u9644\u52a0\u670d\u52d9\u76f8\u540c\u7684\u5ba2\u6236\u9280\u884c\u8cc7\u6599\u8655\u7406\u6b0a\u9650\uff0c\u597d\u9032\u884c\u8cc7\u6599\u5206\u6790\u548c\u8ca1\u52d9\u7ba1\u7406\u5efa\u8b70\uff0c\u4ee5\u53ca\u5176\u4ed6\u53ef\u80fd\u7684\u670d\u52d9\u3002<\/p>\n\n\n\n<p>2015\u5e74\u6838\u51c6\u7684PSD2\u53d6\u4ee3\u4e862007\u5e74\u7684\u652f\u4ed8\u670d\u52d9\u6307\u4ee4\uff08PSD\uff09\uff0c\u5f37\u8abf\u4e86\u670d\u52d9\u5546\u548c\u4f7f\u7528\u8005\u7684\u5177\u9ad4\u4fdd\u8b77\u7a0b\u5e8f\u3001\u6b0a\u5229\u548c\u7fa9\u52d9\uff0c\u4ee5\u6fc0\u52f5\u91d1\u878d\u696d\u7684\u5275\u65b0\u548c\u7af6\u722d\u3002\u96d6\u7136\u5b83\u7684\u8a2d\u8a08\u548c\u4e3b\u8981\u9069\u7528\u65bc\u6b50\u76df\u6210\u54e1\u570b\uff0c\u4f46\u8a72\u6307\u4ee4\u5f71\u97ff\u8d85\u51fa\u4e86\u8a72\u5730\u5340\u3002\u8a72\u6307\u4ee4\u88ab\u8b7d\u70ba\u91d1\u878d\u696d\u7684<a href=\"https:\/\/fora.ie\/readme\/how-to-prepare-psd2-payments-4796882-Sep2019\/\">\u904a\u6232\u898f\u5247\u6539\u8b8a\u8005<\/a>\uff0c\u56e0\u70ba\u5b83\u79fb\u9664\u4e86\u50b3\u7d71\u9280\u884c\u5c0d\u5ba2\u6236\u8cc7\u6599\u7684\u63a7\u5236\uff0c\u8b93\u4f7f\u7528\u8005\u6709\u6b0a\u8207\u91d1\u878d\u670d\u52d9\u5546\u5206\u4eab\u9280\u884c\u8cc7\u6599\uff0c\u7528\u65bc\u8ca1\u52d9\u7ba1\u7406\u53ca\u5176\u4ed6\u76ee\u7684\u3002<\/p>\n\n\n\n<p>\u70ba\u4e86\u9075\u5b88\u6cd5\u5f8b\u5b89\u5168\u898f\u5b9a\uff0c\u9280\u884c\u5728\u78ba\u4fdd\u5efa\u7acb\u5fc5\u8981\u7684\u5b89\u5168\u57fa\u790e\u8a2d\u65bd\u53ca\u7372\u5f97\u9280\u884c\u5ba2\u6236\u540c\u610f\u8cc7\u6599\u5b58\u53d6\u5f8c\uff0c\u5411\u91d1\u878d\u79d1\u6280\u516c\u53f8\u958b\u653eAPI\u3002\u4f46\u5df2\u7d93\u51fa\u73fe\u4e86\u4e9b\u95dc\u65bc\u6e96\u5099\u72c0\u6cc1\u7684\u64d4\u6182\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"766\" height=\"510\" src=\"https:\/\/blog.trendmicro.com.tw\/wp-content\/uploads\/2019\/09\/PSD2-before.jpg\" alt=\"\u6709\u4e86PSD2\uff0c\u65b0\u8208\u91d1\u878d\u79d1\u6280\u516c\u53f8\u53ef\u4ee5\u63a8\u51fa\u65b0\u61c9\u7528\u7a0b\u5f0f\u4f86\u6574\u5408\u591a\u500b\u9280\u884c\u5e33\u6236\u7684\u8cc7\u6599\u3002 \" class=\"wp-image-62085\" srcset=\"https:\/\/blog.trendmicro.com.tw\/wp-content\/uploads\/2019\/09\/PSD2-before.jpg 766w, https:\/\/blog.trendmicro.com.tw\/wp-content\/uploads\/2019\/09\/PSD2-before-300x200.jpg 300w, https:\/\/blog.trendmicro.com.tw\/wp-content\/uploads\/2019\/09\/PSD2-before-30x20.jpg 30w\" sizes=\"(max-width: 766px) 100vw, 766px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"754\" height=\"470\" src=\"https:\/\/blog.trendmicro.com.tw\/wp-content\/uploads\/2019\/09\/PSD-after.jpg\" alt=\"\u6709\u4e86PSD2\uff0c\u65b0\u8208\u91d1\u878d\u79d1\u6280\u516c\u53f8\u53ef\u4ee5\u63a8\u51fa\u65b0\u61c9\u7528\u7a0b\u5f0f\u4f86\u6574\u5408\u591a\u500b\u9280\u884c\u5e33\u6236\u7684\u8cc7\u6599\u3002 \" class=\"wp-image-62084\" srcset=\"https:\/\/blog.trendmicro.com.tw\/wp-content\/uploads\/2019\/09\/PSD-after.jpg 754w, https:\/\/blog.trendmicro.com.tw\/wp-content\/uploads\/2019\/09\/PSD-after-300x187.jpg 300w, https:\/\/blog.trendmicro.com.tw\/wp-content\/uploads\/2019\/09\/PSD-after-30x19.jpg 30w\" sizes=\"(max-width: 754px) 100vw, 754px\" \/><figcaption>  \u57161. \u6709\u4e86PSD2\uff0c\u65b0\u8208\u91d1\u878d\u79d1\u6280\u516c\u53f8\u53ef\u4ee5\u63a8\u51fa\u65b0\u61c9\u7528\u7a0b\u5f0f\u4f86\u6574\u5408\u591a\u500b\u9280\u884c\u5e33\u6236\u7684\u8cc7\u6599\u3002 <\/figcaption><\/figure>\n\n\n\n<!--more-->\n\n\n\n<p>\u672c\u7bc7\u5831\u544a\u63a2\u8a0e\u4e86\u9280\u884c\u61c9\u7528\u7a0b\u5f0f\u7576\u524d\u7684\u72c0\u6cc1\u53caPSD2\u51fa\u73fe\u5f8c\u7684\u6f5b\u5728\u5b89\u5168\u98a8\u96aa\uff0c\u5f37\u8abf\u4e86\u6280\u8853\u57fa\u790e\u8a2d\u65bd\u53ca\u76e3\u7ba1\u7684\u610f\u7fa9\u3002\u6211\u5011\u5f37\u8abf\u4e86\u4ee5\u4e0b\u5167\u5bb9\uff1a<\/p>\n\n\n\n<ul><li><strong>\u9078\u64c7\u4f7f\u7528\u958b\u653e\u9280\u884c\u61c9\u7528\u7a0b\u5f0f\u7ba1\u7406\u9280\u884c\u8cc7\u6599\u7684\u5ba2\u6236\u5c07\u8655\u65bc\u4e00\u7a2e\u5168\u65b0\u7684\u4fe1\u4efb\u95dc\u4fc2\u4e2d\u3002<\/strong>\u96d6\u7136\u5ba2\u6236\u4fe1\u4efb\u6709\u9577\u4e45\u5b89\u5168\u7d00\u9304\u7684\u5e7e\u5341\u5e74\u8001\u6a5f\u69cb\uff0c\u4f46\u4ed6\u5011\u73fe\u5728\u5c07\u540c\u6a23\u7684\u4fe1\u4efb\u8f49\u79fb\u7d66\u90a3\u4e9b\u6c92\u6709\u9577\u671f\u6253\u64ca\u8a50\u9a19\u7d93\u9a57\u7684\u65b0\u8208\u7b2c\u4e09\u65b9\u670d\u52d9\u5546\u3002\u9280\u884c\u7684\u53cd\u8a50\u9a19\u7cfb\u7d71\u4e5f\u53ea\u6709\u8f03\u5c11\u8cc7\u6599\u53ef\u4ee5\u7528\u4f86\u8a13\u7df4\u96fb\u8166\u6a21\u578b\u4ee5\u5373\u6642\u767c\u73fe\u8a50\u9a19\u884c\u70ba\uff0c\u56e0\u70ba\u4ed6\u5011\u7684\u5ba2\u6236\u8ca1\u52d9\u8cc7\u6599\u5c07\u6703\u5206\u6563\u7d66\u591a\u5bb6\u516c\u53f8\u3002<\/li><li><strong>\u96d6\u7136\u5ba2\u6236\u73fe\u5728\u66f4\u4e86\u89e3\u7db2\u8def\u72af\u7f6a\u5206\u5b50\u904e\u53bb\u4f7f\u7528\u7684\u7db2\u8def\u91e3\u9b5a\u6280\u8853\uff0c\u4f46\u653b\u64ca\u8005\u5c07<\/strong><strong>\u53d6\u5f97\u8a50\u9a19<\/strong><strong>\u9280\u884c\u5ba2\u6236\u7684<\/strong><strong>\u65b0\u6a5f\u6703<\/strong><strong>\u3002<\/strong>\u7db2\u8def\u72af\u7f6a\u5206\u5b50\u53ef\u80fd\u6703\u5047\u88dd\u6210\u70ba\u8207\u9280\u884c\u5408\u4f5c\u7684\u91d1\u878d\u79d1\u6280\u516c\u53f8\uff0c\u9810\u671f\u5c07\u6703\u51fa\u73fe\u65b0\u7684\u7db2\u8def\u91e3\u9b5a\u8a50\u9a19\u3002<\/li><li><strong>\u91d1\u878d\u6a5f\u69cb\u6709\u5c07\u500b\u4eba\u8eab\u4efd\u8cc7\u8a0a\uff08PII<\/strong><strong>\uff09\u66b4\u9732\u5728\u73fe\u6709API<\/strong><strong>\u548c\u820a\u7cfb\u7d71\u7db2\u5740\u7684\u7d00\u9304\u3002<\/strong>\u6b64\u5916\uff0c\u6709\u4e9b\u91d1\u878d\u79d1\u6280\u516c\u53f8\u6709\u8f03\u5f31\u5b89\u5168\u63aa\u65bd\u53ca\u8cc7\u6599\u6536\u96c6\u65b9\u6cd5\uff08\u5982\u87a2\u5e55\u6293\u53d6\uff09\u65b9\u9762\u7684\u554f\u984c\u3002\u5f9e\u5b89\u5168\u89d2\u5ea6\u4f86\u770b\uff0c\u6211\u5011\u9810\u8a08\u4e00\u65e6\u61c9\u7528\u7a0b\u5f0f\u4e0a\u7dda\uff0c\u653b\u64ca\u8005\u53ef\u80fd\u6703\u627e\u51fa\u4e26\u5229\u7528\u8a31\u591a\u61c9\u7528\u7a0b\u5f0f\u548c\u529f\u80fd\u7684\u6f0f\u6d1e\u3002<\/li><\/ul>\n\n\n\n<style>\n   table {border-collapse:collapse; table-layout:fixed; width:310px;}\n   table td {border:solid 1px ; width:100px; word-wrap:break-word;}\n   <\/style>\n<table  class=\"wp-block-table table table-hover\" ><tbody><tr><td>\n  <strong>\u55ae\u4f4d<\/strong>\n  <\/td><td>\n  <strong>\u5730\u5340<\/strong>\n  <\/td><td>\n  <strong>\u7db2\u5740\u5167\u7684\u654f\u611f\u8cc7\u8a0a<\/strong>\n  <\/td><\/tr><tr><td>\n  <strong>\u4e2d\u592e\u9280\u884c<\/strong>\n  <\/td><td>\n  \u6b50\u76df\n  <\/td><td>\n  \u4f7f\u7528\u8005\u540d\u7a31, \u5bc6\u78bc\n  <\/td><\/tr><tr><td>\n  <strong>\u4e2d\u592e\u9280\u884c<\/strong>\n  <\/td><td>\n  \u6b50\u76df\n  <\/td><td>\n  \u4f7f\u7528\u8005\u540d\u7a31, \u5bc6\u78bc\n  <\/td><\/tr><tr><td>\n  <strong>\u4e2d\u592e\u9280\u884c<\/strong>\n  <\/td><td>\n  \u4e9e\u6d32\n  <\/td><td>\n  \u4f7f\u7528\u8005\u540d\u7a31, \u5bc6\u78bc\n  <\/td><\/tr><tr><td>\n  <strong>\u9280\u884c<\/strong>\n  <\/td><td>\n  \u6bd4\u5229\u6642\n  <\/td><td>\n  OAuth\u5ba2\u6236\u7aef\u5bc6\u78bc\n  <\/td><\/tr><tr><td>\n  <strong>\u9280\u884c<\/strong>\n  <\/td><td>\n  \u52a0\u62ff\u5927\n  <\/td><td>\n  \u5bc6\u78bc\n  <\/td><\/tr><tr><td>\n  <strong>\u9280\u884c<\/strong>\n  <\/td><td>\n  \u4e2d\u570b\n  <\/td><td>\n  \u5ba2\u6236\u7aefID, OAuth\u5ba2\u6236\u7aef\u5bc6\u78bc\n  <\/td><\/tr><tr><td>\n  <strong>\u9280\u884c<\/strong>\n  <\/td><td>\n  \u4e2d\u570b\n  <\/td><td>\n  \u5ba2\u6236\u7aefID, OAuth\u5ba2\u6236\u7aef\u5bc6\u78bc\n  <\/td><\/tr><tr><td>\n  <strong>\u9280\u884c<\/strong>\n  <\/td><td>\n  \u54e5\u65af\u5927\u9ece\u52a0\n  <\/td><td>\n  \u4f7f\u7528\u8005\u540d\u7a31, \u5bc6\u78bc\n  <\/td><\/tr><tr><td>\n  <strong>\u9280\u884c<\/strong>\n  <\/td><td>\n  \u54e5\u65af\u5927\u9ece\u52a0\n  <\/td><td>\n  \u4f7f\u7528\u8005\u540d\u7a31, \u5bc6\u78bc\n  <\/td><\/tr><tr><td>\n  <strong>\u9280\u884c<\/strong>\n  <\/td><td>\n  \u5eab\u62c9\u7d22\n  <\/td><td>\n  \u5ba2\u6236\u7aefID, OAuth\u5ba2\u6236\u7aef\u5bc6\u78bc, \u4f7f\u7528\u8005\u540d\u7a31, \u5bc6\u78bc\n  <\/td><\/tr><\/tbody><\/table>\n\n\n\n<p>\u88681. \u8da8\u52e2\u79d1\u6280\u7814\u7a76\u4eba\u54e1\u767c\u73fe\u6703\u5728\u7db2\u5740\u8def\u5f91\u66b4\u9732\u6a5f\u5bc6\u8cc7\u6599\u768452\u5bb6\u91d1\u878d\u6a5f\u69cb\u5176\u4e2d10\u5bb6<\/p>\n\n\n\n<ul><li><strong>\u653b\u64ca\u8005\u8a8d\u70ba\u9280\u884c\u4ea4\u6613\u8cc7\u6599\u662f\u9ad8\u50f9\u503c\u7684\u8cc7\u8a0a\u3002<\/strong>\u9019\u985e\u578b\u7684\u8cc7\u8a0a\u80fd\u5920\u8b93\u653b\u64ca\u8005\u7814\u7a76\u884c\u70ba\u6a21\u5f0f\u3001\u4f8b\u7a0b\u3001\u884c\u7a0b\u898f\u5283\u548c\u8ca1\u52d9\u72c0\u6cc1\u3002\u4e5f\u5c31\u662f\u8aaa\u50cf\u60e1\u610f\u5ee3\u544a\u516c\u53f8\u548c\u9032\u968e\u7684\u570b\u5bb6\u7d1a\u99ed\u5ba2\u7b49\u60e1\u610f\u4efd\u5b50\u90fd\u6703\u5c0d\u958b\u653e\u9280\u884c\u8cc7\u6599\u7522\u751f\u6fc3\u539a\u7684\u8208\u8da3\u3002<\/li><\/ul>\n\n\n\n<p>\u95dc\u65bc\u66f4\u591a\u6b64\u7814\u7a76\u7684\u8a73\u7d30\u8cc7\u8a0a\uff0c\u8acb\u53c3\u8003\u300c<a href=\"https:\/\/documents.trendmicro.com\/assets\/white_papers\/wp-PSD2-The-Risks-of-Open-Banking.pdf\">\u6e96\u5099\u597d\u8fce\u63a5PSD2\u4e86\u55ce\uff1a\u958b\u653e\u9280\u884c\u7684\u98a8\u96aa<\/a>\u300d\u3002\u9019\u4efd\u7814\u7a76\u5831\u544a\u9084\u5305\u62ec\u4e86\u5c0d\u91d1\u878d\u6a5f\u69cb\u3001\u91d1\u878d\u79d1\u6280\u516c\u53f8\u53ca\u5176\u5ba2\u6236\u7684\u5b89\u5168\u5efa\u8b70\u3002<\/p>\n\n\n\n<p>@\u539f\u6587\u51fa\u8655\uff1a<a href=\"https:\/\/www.trendmicro.com\/vinfo\/hk\/security\/news\/cybercrime-and-digital-threats\/the-risks-of-open-banking-are-banks-and-their-customers-ready-for-psd2\">The\nRisks of Open Banking<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u8da8\u52e2\u79d1\u6280\u7684\u7814\u7a76\u5831\u544a\u5f37\u8abf\u4e86\u91d1\u878d\u696d\u5fc5\u9808\u62b5\u79a6\u7684\u7576\u524d\u53ca\u65b0\u98a8\u96aa\uff0c\u4e26\u9810\u6e2c\u7db2\u8def\u72af\u7f6a\u5206\u5b50\u5c07\u6703\u5982\u4f55\u5229\u7528\u548c\u653b\u64ca\u958b\u653e\u9280\u884c\u3002 9\u670814 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_wpscppro_dont_share_socialmedia":false,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"","_twitter_share_type":"","_linkedin_share_type":"","_pinterest_share_type":"","_linkedin_share_type_page":"","_instagram_share_type":"","_medium_share_type":"","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[4413,1335,15,4215,339,4384,4412],"tags":[4414,4411,957,4410],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/blog.trendmicro.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/62080"}],"collection":[{"href":"https:\/\/blog.trendmicro.com.tw\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.trendmicro.com.tw\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.trendmicro.com.tw\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.trendmicro.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=62080"}],"version-history":[{"count":0,"href":"https:\/\/blog.trendmicro.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/62080\/revisions"}],"wp:attachment":[{"href":"https:\/\/blog.trendmicro.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=62080"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.trendmicro.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=62080"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.trendmicro.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=62080"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}