Can Payment Be Safe Without Entering Transaction Password

March 1, 2012 - PRLog -- The credit card whether the set transaction password, in the end is safe or not become a topic of concern. Moment, which pay the pay channels need not enter the password of bank credit card processing gateway , payment of operating a security risk, you should pay attention to what matters, the reporter from the credit card shopping, online transactions and telephone payment three aspects of this investigation.

Today, the credit card has become the trend with international standards, the signature transaction become fashionable. This reporter learned that the credit card signature transactions model follows the European and American models, the public is the default in the credit card when choosing a password trading patterns, but according to their needs, you can also select the signature mode. When you select a signature credit card payment service, the bank will record in the system handwriting. But after the people swipe their credit cards, do not enter the transaction password, just sign their name to be the seller attendant check handwriting, payment will be successful. It can be said that the signature consumption is faster and more convenient than passwords consumption.

　　Expert Tip:
Banks to remind people, regardless of the transaction with a password or by the signature transactions, the cardholder should be careful to avoid risks. With the password transaction cardholders should pay attention to the card, as far as possible by hand to cover up the password control, prevent password leakage, at the same time the password can not be lightly divulged to others. Cardholders using credit card no password should be multiple layers of protection, such as SMS alerts, transaction limits, and select beneath card protection and monitoring of unusual transactions bank. Get a new card, be sure to sign the back of the card name, font handwriting the best characteristics, and others is not easy to imitate.

　　
Online shopping has become a kind of spending habits in recent years clothes are basically in line to buy, online shopping is cheap and convenient. "public Miss Zhang's remarks reflects most of the online shopping fans voice. However, the recent credit card without the password transaction risk, the reporter also learned that online shopping does not need to enter a password, users only need to log registered the personal information of the shopping site, self-service shopping, it only need to enter the card number, credit card to period of time, and a three card behind the number, issuing bank sent to cell phone verification code, enter the phone verification code, transaction completed. From the above operation, online shopping credit card transactions does not require a password, but the authentication code of the bank card issuer to become the key to security, bank card associated with the phone in his hands, there is no verification code is not possible through the payment Even without the password, merchant processing, transaction security. "

　　Expert Tip:
According to experts, regardless of the consumer credit card did not set a password for the Internet environment, the situation is not the same view of the network there is a big security risk, Alipay more than 100 domestic banks launched a quick pay service, fast payment of the opening important payment information will have been the banks to strictly check, to the user in the bank registered mobile phones to send verification code to verify user authenticity.
　　
　　Expert Tip:
Know someone else's credit card information can then be free to telephone payments, if the card is lost, would cause great loss? In this connection, a banking industry source said, network, telephone ordering tickets is often the payment of funds "pre-authorized bank via text message information sent to the main card.

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