Credit Card Dumps
Credit Card Dumps
A credit card dump is a digital duplicate of sensitive information from an active credit card’s magnetic strip that has been obtained without permission. The data may then be utilized to generate a counterfeit credit card. As credit card forgeries, identity theft, and other forms of cybercrime have become more common, the phrase “credit card dump” has emerged from the underground and into the mainstream lexicon.
The Methods Used by Criminals and Hackers to Obtain Credit Card Databases.
There are three separate tracks of data on the magnetic strip. Credit card numbers, cardholder names, and expiry dates may all be found in the first recording. Credit card information (including expiry date) may be found on the second track. Information on loyalty programs for customers makes up the third segment.
Credit card skimmers are a common way for criminals to get their hands on credit card data dumps. Current credit card swipe machines, such as those seen at ATMs and petrol pumps, may be retrofitted with skimming devices. The skimming gadget records data from magnetic strips on credit cards when a consumer swipes their card through it. Hacking a retailer’s credit card terminals or putting malware on their computers is another way to collect credit card dumps.
You can get by with very little damage to your finances if your credit card information is stolen. A 19-year-old man traded 15 credit card dumps for a DSLR camera and $250 in cash, according to a 2012 Forbes.com article. When purchasing 10 trash cans, the total financial outlay was around $25. A credit card thief may do a lot of damage before the card issuer or the cardholder knows, so this is a minor price to pay.
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Credit Card Dumps are used by carders to clone real cards and then use the clones as genuine ones. So, those clones are duplicates of the real cards and can be used as real cards. How is it possible?
The answer is Dump!
The dump is bank data connected to a bank account and encoded into the magnetic strip of the bank card. So each card is attached to a bank account. The card is a terminal that allows the account owner to access his account fund without the necessity to walk into the bank. Cards can be used with ATMs or POSs, this is also bank terminals. So if someone gets access to the information stored in the magnetic strip of the card then he has full access to the owner’s card account and the money saved in it.
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That is not difficult to steal a dump from the card. Dumps are obtained by skimming, sniffing, or hacking. So each and every time a person pays with the card he or she assumes the risk that the card data could be stolen.
Bank dumps have the usual 3 tracks, but if any of the 3 tracks is correct and there is a sufficient quantity of funds on the account then the card is good to be used and the requested transaction can be approved.
Track 1 is the only track of the card which contains the holder’s name. Carder use to change the name from the track to match with the fake IDs they have or with the name embossed on the plastic. This track is written with code known as odd parity or DEC SIXBIT. Track 1 format is.
CREDIT CARD DUMP FORMAT – PARAMETERS TO WORK.
B5466160081187237^SHORT/JAMES D ^140910100000023001000000415000000
START SENTINEL = is 1 character, usual %
FORMAT CODE = a single character, financial cards format code is B
PRIMARY ACCOUNT NUMBER (PAN) = usual is the card number, but not always
FIELD SEPARATOR = financial cards use a single symbol for it which is ^
NAME OF CARD HOLDER = contain 2 until 26 characters
FIELD SEPARATOR = symbol for it is ^
EXPIRE DATE = in format YYMM (year, month)
SERVICE CODE = three characters
DISCRETIONARY DATA = which may contain PIN VERIFICATION KEY (it is not the ATM PIN), card verification value, CVV.
END SENTINEL = is 1 character, usual?
Track 2 is the track developed by the banking industry and it is a most important track of a dump. Almost all dumps will work if this track 2 is correct. It is written with a 5 bit-scheme, 4 data bits, and 1 parity. This track data format is
START SENTINEL = is usual 1 character;
PRIMARY ACCOUNT NUMBER (PAN) = usual the card number
SEPARATOR = usual symbol = is used
EXPIRE DATE = in YYMM format
SERVICE CODE = a three digits code
DISCRETIONARY DATA = which may contain PIN VERIFICATION KEY (it is not the ATM PIN), card verification value, CVV
END SENTINEL = usual the symbol?
Track 3 is virtually unused by the major worldwide networks. It was developed by Thrift Saving Industry. Points Of Sales does not read this track.
SERVICE CODE
The card service code is a 3 digits code present in both track 1 and tracks 2. Each of the 3 digits of the code has a meaning and reading these digits together as a service code let us know where and how the card can be used.
If the first digit is:
1-card is for international use
2-card is for international use but has a chip
5-card is for national use
6-card is for national use but has a chip
7-card is not good for interchange except for bilateral agreements
9-test card
If the second digit is:
0-card is normal, without restriction
2-issuer must be contacted via online means
4-issuer must be contacted via online means except under bilateral agreements
If the last digit is:
0-no restriction but a PIN is required
1-no restrictions
2-card can be used for goods and services payments but not for cash
3-ATM use only, PIN is required
4-cash only
5-card can be used for goods and services payment but not for cash but PIN is required
6-no restrictions, PIN should be used where is feasible
7-card can be used for goods and services payment but not for cash but PIN should be used where is feasible
So, the card magnetic strip or/and chip contain all the information to access and operate a bank account connected to this card. If someone copied a card magnetic strip, that person can use a machine called MSR, Magnetic Strip Reader-Writer, and write the data from the card to another card and use the clone as the genuine card.
If you think that it is hard to copy the magnetic strip to a card you must know that a simple swipe to a mini MSR or the swipe of a card in a compromised POS is all the carders need to get the data from the genuine card and get the access to the card owners account. So it’s easy to start the business
