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Card security code

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A card security code (CSC), (also called card verification data, card verification number, card verification value, card verification value code, card verification code, verification code (V-code or V code), card code verification, or signature panel code (SPC) are different terms for a security feature for "card not present" payment card transactions instituted to reduce the incidence of credit card fraud. The CSC is in addition to the bank card number which is embossed or printed on the card. The CSC is used as a security feature, in situations where a PIN cannot be used. The PIN is not printed or embedded on the card but is manually entered by the cardholder during a point-of-sale (card present) transactions. Contactless card and chip cards may electronically generate their own code, such as iCVV or Dynamic CVV. CSC was originally developed in the UK as an 11 character alphanumeric code by Equifax employee Michael Stone in 1995. After testing with the Littlewoods Home Shopping group and NatWest Bank, the concept was adopted by APACS (the UK Association of Payment Clearing Services) and streamlined to the 3 digit code known today. MasterCard started issuing in 1997 and Visa in the United States issued them by 2001. American Express started to use the CSC in 1999 in response to growing internet transactions and card member complaints of spending interruptions when the security of a card has been brought into question. [1]

27 relations: American Express, Bank card number, Card not present transaction, China UnionPay, Contactless payment, Credit card fraud, Debit card, Diners Club International, Discover Card, E-commerce, Equifax, ISO 8583, JCB Co., Ltd., Littlewoods, Magnetic stripe card, MasterCard, NatWest, Payment card, Payment gateway, Personal identification number, Phishing, Point of sale, Sears, Staples Inc., UK Payments Administration, Virtual terminal, Visa Inc..

American Express

The American Express Company, also known as Amex, is an American multinational financial services corporation headquartered in Manhattan's Three World Financial Center in New York City, United States.

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Bank card number

Payment card numbers are found on payment cards, such as credit cards and debit cards, as well as stored-value cards, gift cards and other similar cards.

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Card not present transaction

A card not present transaction (CNP, MO/TO, Mail Order / Telephone Order, MOTOEC) is a payment card transaction made where the cardholder does not or can not physically present the card for a merchant's visual examination at the time that an order is given and payment effected, such as for mail-order transactions by mail or fax, or over the telephone or Internet.

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China UnionPay

China UnionPay, also known as UnionPay or by its abbreviation, CUP, is the only domestic bank card organization in the People's Republic of China (PRC).

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Contactless payment

Contactless payment systems are credit cards and debit cards, key fobs, smart cards or other devices, including smartphones and other mobile devices, that use radio-frequency identification (RFID) or near field communication (NFC) for making secure payments.

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Credit card fraud

Credit card fraud is a wide-ranging term for theft and fraud committed using or involving a payment card, such as a credit card or debit card, as a fraudulent source of funds in a transaction.

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Debit card

A debit card (also known as a bank card or check card) is a plastic payment card that provides the cardholder electronic access to their bank account(s) at a financial institution.

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Diners Club International

Diners Club International (DCI), founded as Diners Club, is a charge card company formed in 1950 by Frank X. McNamara, Ralph Schneider, and Matty Simmons.

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Discover Card

The Discover Card is a credit card, issued primarily in the United States.

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E-commerce (also written as e-Commerce, eCommerce or similar variants), short for electronic commerce, is trading in products or services using computer networks, such as the Internet.

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Equifax Inc. is a consumer credit reporting agency in the United States, considered one of the three largest American credit agencies along with Experian and TransUnion.

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ISO 8583

ISO 8583 Financial transaction card originated messages — Interchange message specifications is the International Organization for Standardization standard for systems that exchange electronic transactions made by cardholders using payment cards.

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JCB Co., Ltd.

is a credit card company based in Tokyo, Japan.

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Littlewoods was a retail and football betting company founded in Liverpool, Merseyside, England by John Moores in 1923.

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Magnetic stripe card

A magnetic stripe card is a type of card capable of storing data by modifying the magnetism of tiny iron-based magnetic particles on a band of magnetic material on the card.

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MasterCard Incorporated or MasterCard Worldwide is an American multinational financial services corporation headquartered in the MasterCard International Global Headquarters, Purchase, New York, United States, in Westchester County.

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National Westminster Bank Plc, commonly known as NatWest, is the largest retail and commercial bank in the United Kingdom.

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Payment card

A payment card is a device—usually an embossed plastic card—that allows its owner (the cardholder) to make an electronic payment.

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Payment gateway

A payment gateway is an e-commerce application service provider service that authorizes credit card payments for e-businesses, online retailers, bricks and clicks, or traditional brick and mortar.

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Personal identification number

A personal identification number (PIN, pronounced "pin"; often redundantly PIN number) is a numeric password shared between a user and a system, that can be used to authenticate the user to the system.

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Phishing is the attempt to acquire sensitive information such as usernames, passwords, and credit card details (and sometimes, indirectly, money), often for malicious reasons, by masquerading as a trustworthy entity in an electronic communication.

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Point of sale

The point of sale (POS) is the time and place where a retail transaction is completed.

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Sears (officially Sears, Roebuck & Company) is a chain of American department stores.

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Staples Inc.

Staples, Inc. is a large United States-based office supply chain store, with over 2,000 stores worldwide in 26 countries.

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UK Payments Administration

The UK Payments Administration Ltd (UKPA) (previously APACS, the Association for Payment Clearing Services) is a United Kingdom trade organisation that brings together all payment systems organisations and gives banks, building societies and card issuers a forum where they can work together on non-competitive issues.

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Virtual terminal

In open systems, a virtual terminal (VT) is an application service that.

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Visa Inc.

Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States.

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[1] https://en.wikipedia.org/wiki/Card_security_code

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