Judging whether a virtual credit card is safe depends on its payment method. Virtual credit card mainly uses QR code to pay. QR code payment is a new generation wireless payment scheme based on account system. Under this payment scheme, merchants can compile transaction information such as account number and commodity price into two-dimensional codes and print them on various newspapers, magazines, advertisements, books and other carriers for publication. The user can scan the QR code through the mobile phone client to realize the payment settlement with the merchant Alipay account. Finally, the merchant can deliver the goods and complete the transaction according to the contact information in the user's receipt and payment transaction information.

The central bank pointed out in the letter that offline bar code (two-dimensional code) payment has broken through the traditional business model of accepting terminals, and its risk control level is directly related to the information security and capital security of customers. The security of offline barcode (two-dimensional code) instruction verification method is still in doubt. Virtual credit card breaks through the existing credit card business model and fails to fulfill the obligation of customer identity. Virtual credit card has problems in account security and payment security: it involves the protection of customer information. It involves your money. How to prevent theft, this solution, the existing offline QR code payment may not be able to solve.