Miss Zhou in a large accounting firm in audit work, and usually travel frequently, if time is an emergency, she would choose the way of the telephone booking tickets. Miss Zhou discovered that telephone bookings only need to provide a credit card number, expiration date and credit card on the back of the three validation code, do not need to enter a password, you can booking success. Miss Zhou expresses concern: "our credit card number, credit card processing gateway verification code, it is easy to be peeping into the ID number, phone number, can not remain completely private. In case lawless elements such information, is not it easy to fraudulent success? "

Miss Zhou is right to worry. According to industry sources, credit card telephone payment process, as long as the cardholder to provide card number, expiration date and verification code can be, and is not limited to the cardholder I use. Merchants and banks to check the above information, after verification to generate a pre-authorized. Since then businesses and banks will not re-check and confirm with the cardholder, but by merchants and banks own settlement, that is has entered the merchants and banks to be settled when the cardholder pre-authorization generated in the program.

A bank customer service credit card telephone payment is not required to apply the automatic opening, as long as the holders of credit cards have the telephone payments and can not be canceled. Telephone payment service opened or not, the bank did not give the cardholder the right to choose. Traders to pay by credit card telephone selected by the bank, opened a telephone payment functions, as well as merchant specific name, for which particular merchant bank does not report cardholder. Only the cardholder consumption in the merchant will be advertised by the merchant whether to provide telephone payment functions.

In fact, in addition to telephone payments, credit card online payment the same above-mentioned problems. Just booking a room, pay by credit card, I just enter the card number, validity period, the three-digit verification code, enter the password, how prompts me that the payment is successful within 30 minutes? If I use someone else's credit card can also pay for it? "a just book a room in a chain hotel official website of friends says.

The use of credit cards through POS machines in most shopping malls, supermarkets, restaurants and other consumer sites, which normally takes the cardholder to enter a password for this card, and to verify the signature on the bill, thus completing the entire payment process. However, individual online transactions to pay you do not need a credit card.

It is understood, including Ctrip, Mango has a certain well-known travel sites, including many merchant processing websites pay by credit card do not need to enter a password, but in addition to the credit card number, credit card expiration date and credit card verification code on the back of a few sites need to provide personal identification number before they can successfully order tickets or hotel. While individual sites "without a credit card, simply provide relevant information" as a propaganda tool, play the "card".