Removing CV2 number from credit card


R

root

Hi,

It's occurred to me that by memorising then removing the CV2 number
from the back of my credit card I can thwart unauthorised "card not
present" transactions.

Anyone finding my card or copying the details when taking payment in a
restaurant wouldn't have the required information to use the card
on-line but I can still make the transaction by providing a pin
number.

Can anyone see a flaw in my plan? It's not foolproof but would
provide some extra protection for free no?

TIA
 
J

Juan Kerr

Hi,

It's occurred to me that by memorising then removing the CV2 number
from the back of my credit card I can thwart unauthorised "card not
present" transactions.

Anyone finding my card or copying the details when taking payment in a
restaurant wouldn't have the required information to use the card
on-line but I can still make the transaction by providing a pin
number.

Can anyone see a flaw in my plan?  It's not foolproof but would
provide some extra protection for free no?

TIA
It's a good plan...............it's always puzzled me why banks don't
send the CV2 number separately as per the pin number.

It would make inroads into card fraud if nothing else.
 
E

Eric Jones

Hi,

It's occurred to me that by memorising then removing the CV2 number
from the back of my credit card I can thwart unauthorised "card not
present" transactions.

Anyone finding my card or copying the details when taking payment in a
restaurant wouldn't have the required information to use the card
on-line but I can still make the transaction by providing a pin
number.

Can anyone see a flaw in my plan? It's not foolproof but would
provide some extra protection for free no?

TIA
It's a good plan...............it's always puzzled me why banks don't
send the CV2 number separately as per the pin number.

It would make inroads into card fraud if nothing else.

As fraudsters are able to generate genuine credit card numbers - three
number CV2 would only require a short time to crack with a computer.
I agree it would help you with lost or stolen cards and chancers.
 
Z

zaax

It's a good plan...............it's always puzzled me why banks don't
send the CV2 number separately as per the pin number.

It would make inroads into card fraud if nothing else.

As fraudsters are able to generate genuine credit card numbers - three
number CV2 would only require a short time to crack with a computer.
I agree it would help you with lost or stolen cards and chancers.
I don't see why banks can't us onther methods like Nationwide are
starting to use. Of course there are many other metonds ie one use
card etc.
 
S

softnatural269393

It's occurred to me that by memorising then removing the CV2 number
from the back of my credit card I can thwart unauthorised "card not
present" transactions.

Anyone finding my card or copying the details when taking payment in a
restaurant wouldn't have the required information to use the card
on-line but I can still make the transaction by providing a pin
number.

Can anyone see a flaw in my plan? It's not foolproof but would
provide some extra protection for free no?
It's a good idea and one that I've used without any problems. Be
careful how hard you scratch because it has 'void' printed underneath.
I've also found that even when the number is scratched off there is
still an indentation and the number can still be made out.
 
R

R. Mark Clayton

root said:
Hi,

It's occurred to me that by memorising then removing the CV2 number
from the back of my credit card I can thwart unauthorised "card not
present" transactions.

Anyone finding my card or copying the details when taking payment in a
restaurant wouldn't have the required information to use the card
on-line but I can still make the transaction by providing a pin
number.

Can anyone see a flaw in my plan? It's not foolproof but would
provide some extra protection for free no?

TIA
Probably because you will have defaced the card rendering it void.

It is also quite likely that when you scratch off the number it will say
"void void void" underneath!

So you won't be able to use it in a shop, and won't be able to remember the
number you scratched off when phoning for stuff...
 
R

root

Probably because you will have defaced the card rendering it void.

It is also quite likely that when you scratch off the number it will say
"void void void" underneath!

So you won't be able to use it in a shop, and won't be able to remember the
number you scratched off when phoning for stuff...
I often send my girlfriend to pay for fuel using my card while I fill
the car up such is the level of checking that goes on! Same with
supermarket checkouts. Since Chip and Pin shop assistants hardly look
at the card anymore. But just to be sure I'll not scratch the number
off but cover it up so it can't be read.

Remembering the three digit number won't be a problem.
 
S

Stuart B

Probably because you will have defaced the card rendering it void.

It is also quite likely that when you scratch off the number it will say
"void void void" underneath!

So you won't be able to use it in a shop, and won't be able to remember the
number you scratched off when phoning for stuff...
Shops don't look at Chip + Pin cards so that won't matter .
 
P

PeterSaxton

Hi,

It's occurred to me that by memorising then removing the CV2 number
from the back of my credit card I can thwart unauthorised "card not
present" transactions.

Anyone finding my card or copying the details when taking payment in a
restaurant wouldn't have the required information to use the card
on-line but I can still make the transaction by providing a pin
number.

Can anyone see a flaw in my plan?  It's not foolproof but would
provide some extra protection for free no?

TIA
The skimmers machines that are used will still be able to read the
numbers.
 
J

Juan Kerr

Shops don't look at Chip + Pin cards so that won't matter
True; I filled my car up in a somewhat salubrious area of the city
about a week ago (the sort of place where the forecourt assistant sits
behind what appears to be bullet proof glass).

As I approached him with my card in my hand, I merely said "pump no 3"
at which he simply pointed at the chip & pin terminal on the counter
told me to insert the card.............he never got to within 3 feet
of my card and it could have belonged to anyone.
 
I

IanAl

The skimmers machines that are used will still be able to read the
numbers.
The numbers aren't stored on the magnetic strip. That's the point.
 
J

Jethro

True; I filled my car up in a somewhat salubrious area of the city
about a week ago (the sort of place where the forecourt assistant sits
behind what appears to be bullet proof glass).

As I approached him with my card in my hand, I merely said "pump no 3"
at which he simply pointed at the chip & pin terminal on the counter
told me to insert the card.............he never got to within 3 feet
of my card and it could have belonged to anyone.
IIRC there was advice from the banks a while back, that you should not
give your card to the cashier for a C&P transaction. The terminal
should be accessible to the customer who inserts the card
*themselves*.

This was to stop cashiers "swiping" the card on a separate terminal,
to help them clone them ...
 
A

Alex

At 17:43:16 on 25/12/2007, Eric Jones delighted uk.finance by
announcing:
It's a good plan...............it's always puzzled me why banks don't
send the CV2 number separately as per the pin number.

It would make inroads into card fraud if nothing else.

As fraudsters are able to generate genuine credit card numbers -
three number CV2 would only require a short time to crack with a
computer.
"Genuine" numbers are easy to generate; using them is another matter if
the transaction is processed online. Guessing the correct CV2 from
close to 1000 possibilities will be more difficult, especially if a
switched-on card issuer calls the cardholder after a few attempts to
find out what's going on.
 
A

Alex

At 22:25:18 on 25/12/2007, R. Mark Clayton delighted uk.finance by
announcing:
Probably because you will have defaced the card rendering it void.

It is also quite likely that when you scratch off the number it will
say "void void void" underneath!

So you won't be able to use it in a shop,
You don't use it in a shop. CV2 is intended for CNP transactions.
 
W

whitely525

At 22:25:18 on 25/12/2007, R. Mark Clayton delighted uk.finance by
announcing:











You don't use it in a shop.  CV2 is intended for CNP transactions.
But sometimes they make a note of it, at least in some hotels and hire
car places. Some cases they photocopy both sides of the card and get
you to sign the photocopy. Other places take a card imprint and
manually write down the # on the imprinted voucher.


- Hide quoted text -
 
R

root

But sometimes they make a note of it, at least in some hotels and hire
car places. Some cases they photocopy both sides of the card and get
you to sign the photocopy. Other places take a card imprint and
manually write down the # on the imprinted voucher.
Which is another good reason why I want to remove the CVV2 number.

I have no intention of doing business with a company that thinks that
such techniques are acceptable and if my idea stops such misuse then
so much the better.

Is it legal for companies to do this?
 
A

Alex Heney

I always have my partners card with me but the other day at lakeside in a
Jewlers after they took the payment the saw it was not my name on the card
and refunded it, bit of a pisser really but most times its ok, Some placed
have the card machines for staff use other places its just for the customer.
I wiped teh numbers off the cards too and it does not say Void on any of
them.

Also a lot of places ask for the CV2 number but some of them have no use for
it. I have been to places where they dont have to type it so why do they ask
for it. Sometimes I just give them any number just because I know damn well
they dont need it
If ANY place where you are present asks for it, you should report them
to the police immediately, and refuse to do business with them.

That number is intended ONLY for verification of cardholder not
present transactions.
 
J

Jethro

If ANY place where you are present asks for it, you should report them
to the police immediately, and refuse to do business with them.

That number is intended ONLY for verification of cardholder not
present transactions.
A quick straw poll in my office suggests this fact should be wider
publicised then ... funny, having done a lot of 3D secure work
recently I just assumed everyone knew ...
 
M

Matthew

If ANY place where you are present asks for it, you should report them
to the police immediately, and refuse to do business with them.

That number is intended ONLY for verification of cardholder not
present transactions.
--
Alex Heney, Global Villager
The Microsoft Motto: "We're the leaders, wait for us!"
To reply by email, my address is alexATheneyDOTplusDOTcom- Hide quoted text -

- Show quoted text -
This is untrue. Merchants are often asked by their card processors to
verify CVV2 details when following Code 10 or referral procedures.

Removal may well lead to cards being blocked or retained.
 

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