Ctrip will prompt you to enter the credit card number, the last three identification codes, and the bank reserves the mobile phone number! Later, he texted me to inform me that I had booked a ticket.

Ctrip's customer service said yesterday that the pre-authorization transaction can be completed by paying by credit card on Ctrip's website without credit card password and SMS dynamic verification code.

According to the customer service staff of China Merchants Bank's credit card, no transaction password is a payment form of credit card, which is generally only used for real-name registration system businesses such as hotels and air tickets, and is used by some enterprises or businesses whose security level has passed the verification. This transaction method can complete the consumption transaction by the cardholder providing the card information to the merchant. The customer service staff also said that at present, this transaction method can only be avoided by keeping the credit card well and preventing the information on the card surface from leaking. In other words, at present, there is no special coercive means to restrict the forms of transactions without passwords.

Banking industry insiders said that the CVV2 code is the most important of the three pieces of information that Ctrip needs to fill in: credit card number, expiration date and CVV2 code. It is understood that overseas website shopping does not require a password, as long as the buyer provides the account number and security code, the transaction can be completed; There are also merchants in China who have signed contracts with banks, and do online or telephone transactions without passwords. Only anti-counterfeiting codes can complete remittance.