Credit card telephone payment is also risky

Traditional credit card consumption, First consumer credit card spending through the POS machine; online consumer through the Internet, online. Telephone payments in recent years began to promote a new credit card processing gateway. Do not need credit card and enter a password, alone reported the card number, validity and card credit card telephone payment after the release of three yards to complete the payment, so that consumers enjoy the convenience of payment, but also many cardholders of consumers by worry about the "convenient" phished consumption.
 
Now widely recognized that the credit card telephone payment presented five chaos has become the consumers need to be very careful to go around the traps.
 
Trap one:
 
And cardholders consumers to confirm the transaction process is imperfect. Although some banks in the telephone payments sent to the cardholders of consumers pre-authorization SMS, but the settlement, often do not inform the cardholder, the cardholder difficult for consumers to understand whether the transaction takes effect.
 
Trap two:
 
The cardholders consumers interests have been neglected. Phone payment dispute, the close relationship between merchants and banks, the banks inevitably will comply with the merchants out of their own interests to consider matters of opinion, more or less damage to the interests of cardholders of consumers so that consumers difficult to advocate the interests of.
 
Trap three:
 
Does not give the cardholder the right to consumer choice. Without the cardholder consumers apply for credit card telephone payment feature will automatically open and can not be canceled. Telephone payment service opened or not, the bank not to give cardholders the right to consumer choice. And credit card telephone payment by the bank for which the specific merchant selected and the bank will not be informed cardholders of consumers. Only in the consumer to the merchants consumption only by the merchant to inform consumers whether to provide credit card telephone payment service.
 
Trap four:
 
Information matching procedure is very convenient. Credit card telephone payment processing, merchant matching procedure is very simple, as long as the cardholder to provide consumers with the card number, validity period and three yards to, but not limited to cardholders consumers use. Merchants and banks after verification, that is to generate a pre-authorized. Since merchants and banks no longer with the cardholder consumers to check and confirm their own settlement but by merchants and banks, cardholders of consumers in the pre-authorization of the generated into the merchant and the bank balance sheet procedure.
 
Trap five:
 
The system itself security feature missing. Do not need passwords and credit card telephone payment services to promote a major feature of relying on the consumer business is the real name system - the difficulty of counterfeit consumer. However, difficult does not it means there is no loophole. At present, the addition to credit cards other than the above three information check with the merchant bank, in the system to prevent counterfeit credit card payment service consumption in this business, no other security measures.