In order to improve the security of online transactions and effectively reduce the occurrence of online fraudulent transactions, VISA formulated the 3DSecure specification (3D for short), and later MasterCard and JCB also joined this specification. 3D is only applicable to MOTO(mailordertelephoneorder) transactions of overseas network operators. Cardholders only need to enter the card number, expiration date, CVV2, dynamic password and mobile phone verification code on the merchant website to complete the transaction, without going through online banking or other third-party payment platforms, which enhances the security of the transaction.

Tips:

1 and 3D authentication are the online payment methods of each card organization, and the information input during the transaction is determined by each card organization and will be different. If you need to enter the mobile phone transaction code, use the mobile phone number reserved in the bank card system when applying for a credit card.

2. A credit card supplementary card supporting 3D authentication service can also provide 3D authentication service, but the supplementary card must have an independent online bank.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.