A credit card that has no PIN on many sites, the secret is a 3-digit verification code on the back of the credit card.
According to an official at a state-owned bank’s credit card global gateway credit card processing center, the “last three codes” on a credit card are actually a security code, a verification code used for authentication, usually the last three digits on the signature on the back of the credit card. Used to prevent credit card fraud by verifying that the payer had a credit card at the time of the transaction. The verification code is equivalent to the ID card of the credit card, and the cardholder can use the verification code for consumption transactions. Almost as important as the password. The habit of online shoppers is to set the consumption password on the credit card, and the signature on the back of the card does not pay much attention. At present, online payment generally requires the cardholder to provide the card number, expiration date, “last three codes” and password on the back of the card, but when shopping on multiple overseas websites, the transaction can be completed without the password. In addition, domestic companies and banks sign contracts in online or telephone transactions without passwords, and only security codes can complete transfers.
The reporter found that the hotel, airline ticket sales, online shopping and other websites found that many websites only need to provide the credit card number, validity period, cardholder name and the “last three codes” of the card’s signature when using a credit card to receive the credit card. , In the whole process of collection, in fact, the cardholder’s credit card transaction password is not required. That is to say, as long as there is information on the card surface, consumption can be made without any physical card and password. The card number, expiration date and security code are all reflected on the credit card. If the cardholder does not pay attention to confidentiality, it is possible Information was stolen and stolen by criminals.
Since the credit card CVV code is so important, how should we preserve the ability to prevent leaks? Credit card customer service staff are helping online shoppers. Cardholders can stick the security code with easily peelable stickers or glue to prevent leakage. At the same time, it is also necessary to ensure that the card does not leave the body as much as possible, and the card should be kept within sight during consumption, and the card should not be handed over to others to brush it to prevent the leakage of card information. In addition, you should be careful about the customer service numbers you are not familiar with. Once you are asked about the three numbers, you should be careful and never reveal the card information casually.
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