The entire world was in shambles in 2008, after a few financial institutions became rapacious. While millions of Americans lost their jobs, and homes, a person or a group — dubbed Satoshi Nakamoto — were already thinking of a new financial system for the recovering world. A system where anonymity was a right, transparency was ubiquitous, and middle-men were obsolete.
在一些金融机构变得疯狂之后，2008年整个世界处于混乱状态。 当数以百万计的美国人失去工作和住房时，被称为中本聪的一个人或一个团体已经在为复苏中的世界考虑一种新的金融体系。 一个以匿名为准，透明无处不在，中间人已经过时的系统。
隐私的诞生 (Birth of Privacy)
In 2014, when cryptocurrency was still a largely esoteric concept reserved for the erudite, Bo, David, and Jason — buddies since high school — began scoping the landscape. Despite the undulating value of cryptocurrencies, there is no denying its merits: you get to transfer a million dollars to someone across the world for a mere $0.45 (on the day of writing) in a network that is more secure than the most secure bank account in a matter of milliseconds. Did I mention it’s all anonymous? On the flip side, two areas where contemporary payments fare better are universality and transaction disputes. Once you send money over a blockchain, it’s forever gone. And because of its arcane stature, it is still not layman’s currency.
2014年，当加密货币仍是一种博学多闻的深奥概念时，Bo，David和Jason(自高中毕业以来的好友)就开始对这一领域进行界定。 尽管加密货币的价值不断上涨，但无可否认它的优点 ：您可以在一个比最安全的银行帐户更安全的网络中， 以0.45美元 (在撰写本文之日)向全球某人转移100万美元在几毫秒内。 我是否提到了所有匿名信息？ 另一方面，普遍支付和交易纠纷是当代支付表现最好的两个领域。 一旦您通过区块链汇款，它就永远消失了。 而且由于其神秘的身材， 它仍然不是外行的货币 。
The three co-founders were fascinated by the blockchain technology, but they didn’t want to tread the conventional route. Rather than quitting their day jobs to mine bitcoins, they decided to pick out the elements that made it enticing and blended that with the way payments were made across the world. And thus Privacy.com was born.
这三位联合创始人着迷于区块链技术，但他们不想走传统路线。 他们决定不再选择日常工作来开采比特币，而是选择了诱人的因素，并将其与世界各地的付款方式相融合。 因此， Privacy.com诞生了。
两全其美 (Best of Both Worlds)
“Even though we have supercomputers in our pockets connected through high speed internet, the act of buying something online is still worse than paying for it offline.” says Bo. “You’re stuck typing in the same 16 digit number everywhere, which is horribly unsecure and cumbersome. So we thought, what if you were to build a credit card or payment method from the ground up right now?”
“即使我们口袋里有通过高速互联网连接的超级计算机，但在线购买商品的行为仍然比离线购买更糟糕。” 博说。 “您在任何地方都必须输入相同的16位数字，这非常不安全且麻烦。 所以我们想，如果你是对的，现在建立从地上爬起来信用卡或付款方式？”
Head over to Privacy and you will be greeted by a user interface that is minimal in design and content. The attention is quickly grabbed by the contrastingly dodger blue button asking you to try the free product. Like credit cards, we make money from the interchange paid by merchants. Unlike credit cards, we don’t sell your data or charge interest and annual fees reads a disclaimer below. Once you sign up and connect a funding source, you are good to go. Immersed in the seamless experience, it’s easy to forget that this is in fact a security service, a testament to the inconvenience caused by most security softwares.
转到“ 隐私” ，您将受到设计和内容最少的用户界面的欢迎。 对比鲜明的蓝色按钮要求您试用免费产品，很快就引起了人们的注意。 像信用卡一样，我们从商家支付的转账中赚钱。 与信用卡不同，我们不会出售您的数据或收取利息，年费请阅读以下免责声明。 一旦注册并连接资金来源，您就可以开始了。 沉浸在无缝体验中，很容易忘记这实际上是一项安全服务，这证明了大多数安全软件所带来的不便。
Once you set up a new card, — and by setup I mean click on New Card and set a spending limit — you are immediately guaranteed anonymity and authority. The “pull” mechanism becomes a “push” mechanism, giving you control of how much, and if, a merchant can debit your account. Let’s say you want to enroll in a Fitness Studio that offers a discounted first month fee. In such cases, you can toggle the Single Use option offered.
一旦您设置了新卡，并且通过设置，我的意思是单击“ 新卡”并设置了支出限额，您将立即获得匿名和授权。 “拉”机制变为“推”机制，使您可以控制商人是否可以借记多少钱。 假设您要注册一个提供第一个月折扣价的Fitness Studio。 在这种情况下，您可以切换提供的“ 一次性使用”选项。
Back in 2015 when the co-founders were gearing to launch the product soon, they needed a strong domain name. A domain name can make the product deeply personal or universally lackadaisical. When we think of McDonald’s, we visualize the golden arch with the ecstatic clown sitting on a bench. We wouldn’t expect the website’s URL to be www.trythisfood.com. We expect it to be the name of the company, and what it represents. “Domains are somewhat undervalued by entrepreneurs. A good domain goes a long way in establishing credibility. We deal with people’s most personal data, and we wanted them to know we took that seriously,” says Bo. So they got in touch with the owner of Privacy.com and bought it in exchange for an undisclosed equity percentage in return.
早在2015年，联合创始人正准备推出该产品时，他们需要一个强大的域名。 域名会使产品深深地个人化或普遍缺乏吸引力。 当我们想到麦当劳时，我们想象着坐在长凳上的欣喜若狂的小丑的金色拱门。 我们不希望网站的URL为www.trythisfood.com。 我们希望它成为公司的名称及其代表的意思。 域名被企业家低估了。 一个好的领域在建立信誉方面大有帮助。 我们处理人们最私人的数据，我们希望他们知道我们对此非常重视。” Bo说。 因此，他们与Privacy.com的所有者联系并购买了它，以换取未公开的股权百分比作为回报。
The efforts bore fruit. As soon as the co-founders launched it on ProductHunt and Hackernews, it shot to the top of the list and became the #3 product of the month. Since then, the growth has been based on word-of-mouth and network effect that accompanies every product people enjoy using (they also have a referral program). “We had a different philosophy than a typical startup; we didn’t want to move fast and break things,” admits Bo. “We had a pretty polished product, strong product market fit, and lots of beta customers. So it grew based on word-of-mouth since the beginning and took a life of its own. We’ve been lucky in many ways.”
努力取得了成果。 联合创始人在ProductHunt和Hackernews上推出该产品后，它便跃居榜首，并成为本月排名第三的产品 。 从那时起，这种增长就一直基于口碑和网络效应，而这种效应伴随着人们喜欢使用的每种产品(他们也有推荐计划)。 “我们的理念与典型的初创公司不同； 我们不想快速行动并破坏事情。” Bo承认。 “我们拥有精美的产品，强大的产品市场契合度以及许多Beta版客户。 因此，它从一开始就以口碑传播，并拥有了自己的生命。 我们在很多方面都很幸运。”
付款的未来 (Future of Payments)
While we are more similar to our primate partners in the forest than we think, there’s one element of separation that quite frankly was the catalyst of our incredible evolution: our ability and willingness to believe in fiction. Nothing is more powerful than the concept of money to substantiate that claim. The Mesopotamians began bartering around 6000 B.C., soon followed by the Phoenicians. The simplicity of the system outweighed the time spent in each transaction. For a while. By 1100 B.C., China began instrumenting miniature versions of weapons and tools they wanted to exchange in bronze. Over time, these jagged hand-pricks became a circular coin that is still used as a standard today.
尽管我们比我们想像中的森林中的灵长类动物伙伴更像我们，但坦白地说，分离的一个要素是我们难以置信的进化的催化剂：我们相信小说的能力和意愿。 没有什么比金钱这个概念更强大的了。 美索不达米亚人开始在公元前6000年左右以物易物 ，随后是腓尼基人。 系统的简单性超过了每次交易所花费的时间。 一阵子。 到公元前1100年，中国开始装备他们想用青铜交换的微型武器和工具 。 随着时间的流逝，这些参差不齐的手摇钱币变成了圆形硬币，至今仍被用作标准硬币。
Applying a first principles’ line of thought, money in itself has little value: it’s made up of 75% linen and 25% cotton paper, colored with an array of green, black, and metallic ink and contains a unique identifying number. The value of each note is corroborated solely by the trust that the one who holds and receives it has in the system. This trust has only increased over time, as we moved away from cash to credit cards to mobile payments, and potentially to cryptocurrency. We don’t need to see our money anymore to believe in its existence.
运用第一条原则的思路，货币本身几乎没有价值：货币由75％的亚麻布和25％的棉纸组成 ，并用绿色，黑色和金属墨水进行着色，并包含唯一的标识号。 每张票据的价值仅由持有和接收该票据的人在系统中的信任所证实。 随着我们从现金转移到信用卡，再到移动支付，甚至可能转移到加密货币 ，这种信任只是随着时间的推移而增加。 我们不再需要看到我们的钱来相信它的存在。
There’s a flip side though. The more we shied away from holding onto our possessions, the more easy it has become for ill-intentioned attackers to get hold of it. In 1000 B.C., one would have had to go through a dozen hefty guards and an angry hound to get to the king’s wealth. Today, a combination of credential stuffing and knowledge of javascript can give you access to millions of users’ credit card details within minutes without ever leaving your room. Just in 2017, over 14 million credit card details were exposed and consumers reported $905 million in fraud losses. While cryptocurrencies dissuade these worries, we need an immediate saving grace until that happens. A virtual card is one way to go.
但是有另一面。 我们对持有财产的回避越多，恶意的攻击者就越容易掌握这些财产。 在公元前1000年，要想获得国王的财富，就不得不经过十二名沉重的警卫和一个愤怒的猎犬。 如今， 凭据填充和javascript知识的结合可让您在数分钟内访问数百万个用户的信用卡详细信息，而无需离开房间。 仅在2017年，就暴露了超过1400万张信用卡详细信息 ，消费者报告了9.05亿美元的欺诈损失。 尽管加密货币消除了这些担忧，但我们需要立即进行储蓄以备不时之需。 虚拟卡是一种解决方法。
While privacy.com lets you link the card to your bank account, it does not allow you to reap the benefits of a credit card. For over 180 million Americans, not worrying about their account balance during a transaction and building a credit history is crucial. Partly addressing this limitation, Bo says the company plans to roll out its own version of a credit card with a 1% cash-back program soon enough to all its users. In the meantime, you have an array of choices at your fingertips. Choose wisely.
虽然privacy.com可让您将卡链接到您的银行帐户，但不允许您获得信用卡的好处。 对于超过1.8亿美国人而言 ，至关重要的是，不必担心交易期间的帐户余额和建立信用记录。 Bo说，部分解决了这一限制，Bo公司计划尽快向所有用户推出自己的带有1％现金返还计划的信用卡版本。 同时，您可以轻松选择各种选择。 做出明智的选择。
翻译自: https://medium.com/swlh/how-a-virtual-credit-card-is-solving-real-privacy-concerns-5bb53323fb34
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