What is the verification code of the credit card?

What is the credit card verification code? How to protect credit card verification code

Do you know what the credit card verification code is? Credit card verification is also a credit card security code. Do you know that?/You know what? Do you know how to protect your credit card? Has your credit card verification code been leaked? How to protect the security department of credit card verification code?

Related credit card consumption can be used without password verification code and signature?

1. What is the credit card verification code?

The credit card verification code is a 3-digit number on the back of the card, which is also a security code.

On the back of each credit card, two sets of numbers are usually displayed in italics at the top of the signature. The first four are the last four. The last three digits are commonly known as "the last three digits". It is a verification code set by commercial banks to ensure the security of credit card passwords, and it is used for indirect credit card consumption transactions for bank cards. Generally speaking, domestic credit cards may have passwords, while foreign credit cards do not.

One way to use a credit card is called "no card payment" or "no card and no secret payment". You only need to provide the three-digit verification code (CVV) on the back of the credit card to complete the payment. In addition, people's awareness of the confidentiality of CVV codes is quite weak, which gives criminals an opportunity, so even if credit cards and passwords are tightly protected, they may be stolen.

There are security measures. The credit card of Guangfa Bank has a "transaction switch" to ensure the security of the credit card. Second, how to protect the credit card verification code?

1. Watch your credit card.

When you swipe your card outside, don't bother to hand it over to the clerk to settle the bill, so as to avoid people with ulterior motives taking the opportunity to obtain the relevant information of the credit card. It's best not to put your credit card out of sight.

2. Open an account and change the consumption SMS.

Be sure to set a SMS reminder for your credit card so that you can know the change of the amount in the card at the first time, and call the bank or the police immediately if there is any abnormality. In addition, users can also open the online payment function of credit card when they need to shop online, cancel the function after completing the transaction, and reopen it when they need it next time.

3. Seal the last three yards with tape.

In this way, even if a "willing heart" gets a credit card in a short time, or aims at a credit card, it may not be successful.

4. Pay attention to protecting personal information.

In addition to passwords, credit cards, credit card expiration dates, credit card use verification code CVN2 (last three codes) and ID number are also extremely important personal information, which can be used for remote non-face-to-face transactions such as air tickets, business trips, hotel reservations, etc. Do not disclose them easily.

5. Pay carefully online.

When making online payment, cardholders should ensure that transactions are made on the websites of well-known companies and reputable third-party payment platforms, avoid using online banking in public places and leaving personal information on computers, and do not open any web pages. Don't click on links and text messages from unknown websites, and be extra careful when you ask for a transfer or password by unknown phone.

What is the verification code (CVV) of the credit card?

That is, the credit card verification value. The display position is on the back of the credit card, and the top of the signature is displayed in italics. The first four digits are, and the last three digits are the verification code, that is, the last three digits.

Note that this verification code does not refer to the password of the credit card. To book a plane ticket by phone, you only need to enter the bank and the last three digits, as well as the validity period of the credit card. There is no password at all. The use of credit cards can be divided into "on-card transactions" and "off-line transactions".

In the former, the cardholder swipes the card at POS terminals such as shopping malls and supermarkets, signs the authorization, and then completes the transaction. Offline transactions are common when cardholders book hotels, air tickets or pay online. The merchant also provides the credit card account number and the last three codes through the POS system to complete the transaction.

Extended data:

CVV information is stored on the track of magnetic stripe bank card. According to the information such as the main account number of track and the logo code of the issuing bank, it is encrypted by the special encryption algorithm defined by each bank, and every step is encrypted by CVKA technology to get the verification code.

Because the encryption algorithms of different banks are different, some fake cards illegally made by using the obtained bank card information can be identified and cannot be used when the issuing bank decrypts them.

You don't need a password to shop on overseas websites. As long as the buyer provides the account number and security code, the transaction can be completed. In China, there are also merchants signing contracts with banks, but you don't need a credit card password, you only need a security code to complete the telephone transfer. Therefore, everyone must take good care of their credit cards, and don't let them leave their sight when spending, so as to avoid others remembering your credit card account number and security code.