What Is a Credit Card CVV Number?

CVV, Card Verification Value, and Mastercard is called Card Validation Code (CVC).

CVV code

CVV2 and CVC2 are also the card verification values obtained by the same algorithm, but they are printed on the signature strip when the card is generated.

CVV / CVC in

The "Visa Verification" service is based on a technology platform called "3D Security". The specification and communication protocol of this technology is encrypted using Encryption Secure Connection Layer Protocol (SSL) technology, which is now adopted by most online merchants. .

The "Visa Verification" service logo will be displayed on the webpages of participating online merchants. It will also appear when cardholders register and verify their personal password each time they make an online purchase. If the selected shopping website is added to the "Visa Verified" shopping website, you can enjoy the VISA verification service. Such a merchant is a secure shopping website confirmed by VISA. When you make a payment, a page will pop up, asking you to enter your Password (the Visa verification code). This webpage is actually a page from the card-issuing bank (this can be judged from the card-issuing bank logo on the pop-up page, because it is impossible for a merchant to judge a bank far away by only a string of credit card numbers (Issued), the cardholder completes the identity verification with the card-issuing bank through a "Visa verification" password previously agreed with the bank. This page is actually because the cardholder directly authenticates on the website of the issuing bank, so the password will not be intercepted by the merchant. After the verification is passed, the card-issuing bank will send a message to the merchant to authorize the transaction, so the cardholder can complete the transaction with the merchant.

The role of VISA verification is not only to verify the legitimacy of overseas websites, but also to verify the identity of the cardholder, thereby reducing the risk of theft of overseas online shopping.

On February 3, 2009, my credit card disappeared 6,000 yuan. I called the customer service department and was told that the cardholder provided the bank card number and the three digits behind it. After checking the personal information, he could spend it. No physical card and no need password. Netizens described this as a "shock payment loophole."

Some netizens said that when they booked a ticket by phone, they only needed to enter the bank card number and the three digits behind it, as well as the validity period of the credit card. No password was needed at all. yesterday noon,

Calculation of VISA card check value CVV

calculation steps

1 Arrange the following characters from the second track from left to right, resulting in 26 characters:

Primary Account Number (PAN) 19

Card expiry date (EXPIRE DATE) 4 digits

Service code (3 digits)

1) Do not write credit card information in the computer;

2) Don't give credit cards to others easily;

3) After the credit card is lost, call the bank customer service phone immediately to report the loss;

4) Credit cards are payment and settlement tools built on the credit system, so please take your monthly statement seriously and confirm your consumption. If you find some abnormal consumption, you can refuse to pay as long as you provide evidence.

5) If you think that it is dangerous to inform the credit card by its card number, expiration date, etc., it is recommended that you use the online payment method to pay, because the online payment method will ... the credit card information is entered in the bank's online banking, all the information and Will not remain in the hands of the merchant.

In order to prevent more and more crimes of stealing credit card information, major banks have given specific instructions to card owners. For example, in a letter sent to a credit card owner by a bank, it is emphasized that credit card number and expiration date are important vouchers for transactions. Please keep personal information such as card number and expiration date, and do not tell others about credit card information. Some banks also remind: when providing copies of personal identity documents and related certification documents, when applying for a credit card, you can indicate the use purpose in a prominent place, such as "only for the application of XX bank credit card, copy is invalid", in order to prevent the data from being misused use.