This «divorce» is not based on high technology, but on practical psychology. The process starts with some kind valid cc shop of honest relationship – transferring money to a card for purchase, etc. The cardholder calls the number and gets the money in the account.
Then the transaction is repeated, but there is a «failure», the Bank allegedly does not miss the payment or something similar. To correct the situation, the payer asks for the CVC/CVV code and the card expiration date cvv shop lv. This is enough for online payments.
How to protect yourself: do not share your payment card details with others, and use cards with two-factor authentication, where each payment must be confirmed by an SMS code.