因为信用卡可以无密码支付,网上支付只需录入信用卡卡号、有效期、卡背面签名处后末三位数字的CVV2码,以及该卡在银行预留的手机号码,即可完成支付与交易。整个过程无须信用卡交易密码,预留手机也没收到银行发送的短信动态验证码。
注:持卡人在拿到信用卡时,可将背面的CVV码涂掉。一旦信用卡丢失,只要捡到者在信用卡上找不到CVV码,即便是获得了持卡人的身份信息,此卡就无法用“无磁无密”的方式进行支付。
Because credit cards can be paid without a password, online payment only requires entering the credit card number, expiration date, the CVV2 code of the last three digits after the signature on the back of the card, and the mobile phone number reserved for the card at the bank to complete the payment and transaction. The entire process does not require a credit card transaction password, and the reserved mobile phone has not received the SMS dynamic verification code sent by the bank.
Note: When the cardholder receives the credit card, the CVV code on the back can be covered. Once the credit card is lost, as long as the finder cannot find the CVV code on the credit card, even if the cardholder's identity information is obtained, this card cannot be used for payment in a "non-magnetic and non-password" manner.