Forum Moderators: buckworks

Message Too Old, No Replies

ecommerce newbie question: What are CVV(2), AVS, CID

keep seening them but cant figure them out.

         

benlieb

8:26 pm on Nov 8, 2004 (gmt 0)

10+ Year Member



If anyone cares to be kind enough to let me know, it'd be most appreciated.

FraudAdvisor

8:33 pm on Nov 8, 2004 (gmt 0)

10+ Year Member



Hi... here goes....

AVS stands for Address Verification Service (UK standard which entails merchants sending numeric portions of address (ie House, Flat number) and postal code to acquirer for onward checking with Issuer

AAV stands for Automated Address Verification (US standard that entails merchants sending first line address (with appropriate truncation ie Street becomes St) and full zip code to aquirer for onward checking with issuer.

In the UK AVS standard the merchant will receive seperate responses to each data element as either matched, unmatched or unchecked. Some Issuers respond "partial match" which is about as useful as "mango" as a response.

CVV and CVV2 standard for Card Verification Value and are used by Visa and MC. Both values are *supposed* to be mandatory as a three digit code debossed on the signature strip on the back of the card.

CID are the Card Identification Digits AmEx uses and, to confuse the issue completely, normally appear as four digits *printed* on the front of the Card but also as three digits debossed on the back of the Card (US at this time).

CVV, CVV2 and CID are excellent protection for e-tailers against card number generator attacks as they are not stored in the mag stripe and are fiendishly difficult to guess!

Hope this helps

Sticky me if you need more

Namaste

8:36 pm on Nov 8, 2004 (gmt 0)

WebmasterWorld Senior Member 10+ Year Member



AVS = Address Verification System, used to match the cardholder's submitted address with that registered

CVV2 + CID, are the same thing, they are the 3 digit numbers on the back of your card(4 digit in case of Amex, in front).

All these three are for fraud control and are used to provide an additional layer of protection to the merchant & cardholder

benlieb

4:29 am on Nov 9, 2004 (gmt 0)

10+ Year Member



Thanks. Where can I learn more about this? I would like to be one of these e-tailers some day.

Namaste

7:10 pm on Nov 9, 2004 (gmt 0)

WebmasterWorld Senior Member 10+ Year Member



Google!