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Online shopping for train tickets, it is safer to "verify payment" with credit cards.

□ Reporter Gong Yali? ?

After this edition of 65438+1October 17 published the report "Non-online banking people can still buy train tickets online", many readers asked reporters: Is it safe to pay for train tickets by credit card? The reporter interviewed professionals in the electronic banking department of Agricultural Bank and Bank of Communications.

The use of fast payment to steal brushes has occurred from time to time.

"Now booking train tickets online is completely a' second kill'. The faster the payment is successful, the faster and more secure the train ticket will be. " Mr. Wu, who lives in Guanlin, told reporters that he wanted to buy a train ticket by fast payment with a credit card, but he didn't know if it was safe.

Mr. Wu consulted the customer service staff of China UnionPay 955 16, and the customer service staff told him that to use express payment, you must first register in UnionPay Online official website and bind the commonly used credit cards. After one-time verification, you only need to enter the user name and password of UnionPay online registration for each payment, and you can pay directly.

Fast payment is stolen from time to time. Once the payment password is stolen, the bound bank card account is easily stolen.

Zhu Lina, the electronic banking department of Bank of Communications Luoyang Branch, said that there is indeed controversy about whether the fast payment of bank cards is safe. For example, the fast payment of a third-party payment platform stipulates that as long as the payment password of the platform is entered, the fast payment can be directly paid without entering the information of the bank card.

It is safer to verify payment, and watch the "last three yards"

"If you want to improve security, you may wish to choose the' verification payment' of the credit card to pay for the train ticket." Zhu Lina, Electronic Banking Department of Bank of Communications Luoyang Branch suggested. It is understood that every time you verify payment, you need to enter the card number, expiration date, verification code (also known as "last three codes") and SMS verification code on the back of the credit card to successfully pay.

Li Hong, the electronic banking department of Luoyang Branch of Agricultural Bank of China reminded that besides the password, the credit card number, the validity period and the "last three codes" of the credit card are extremely important personal information, which can be used for remote non-face-to-face transactions such as air tickets, business trips and hotel reservations, and should not be easily disclosed. "Cardholders can remember or save the verification code, then scrape it off the credit card, or activate the SMS reminder function. Once the credit card has any consumption trend, the cardholder will know it at the first time and ask the relevant bank for help. " Li Hong said.