CVV2 is a new authentication scheme established by credit card companies to further efforts towards reducing fraud for internet and keyed transactions. It consists of requiring a card holder to enter the CVV2 number in at transaction time to verify that the card is in hand.
Bankcards	This number is printed on your bank cards in the signature area of the back of the card. (it is the last 3 digits AFTER the credit card number in the signature area of the card).
	American Express cards show the CVV2 printed above and to the right of the imprinted card number on the front of the card. For American Express the CVV2 code is 4 digits.

For the Touchtone Program the automated phone response system will prompt you to enter the CVV2 code. In addition, it will also prompt for the cardmember's bill to Zip Code.