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(punctured hands, sex organs, etc.) is NOT OUR FAULT! And of
course if you get really stupidly busted in any way because
of this, it ain't our fault either. You're the dumb ass with
the nail. So, proceed with care, but... HELL! Have fun.
Later...
_________________________________________________________________________
===== Phrack Magazine presents Phrack 15 =====
===== File 4 of 8 =====
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
~ The Disk Jockey ~
~ ~
~ presents: ~
~ ~
~ Advanced Carding XIV: ~
~ Clarification of Many Credit Card Misconceptions ~
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
(A 2af Presentation)
Preface:
-------
After reading files that have been put out by various groups and
individuals concerning carding, credit fraud, and the credit system in
general, I am finding more and more that people are basing these files on
ideas, rather than knowing how the system actually works. In this article I
hope to enlighten you on some of the grey areas that I find most people either
do not clarify, or don't know what they are talking about. I can safely say
that this will be the most accurate file available dealing with credit fraud.
I have worked for and against credit companies, and know how they work from
the insiders point of view, and I have yet to meet someone in the modem world
that knows it better.
This file is dedicated to all the phreaks/hacks that were busted for various
reasons in the summer of 1987.
Obtaining Cards:
---------------
Despite popular belief, there IS a formula for Visa and Mastercard
numbers. All credit card account numbers are issued by on issuing company, in
this case, Visa or Mastercard. Although the banks are not aware of any type
of pattern to the account numbers, there IS one that can be found. I plan to
publish programs in the near future that will use the various formulas for
Visa, Mastercard and American Express to create valid accounts.
Accounts:
--------
All that is needed to successfully use a Visa/MC account is the account
number itself. I don't know how many times I have gotten into arguments with
people over this, but this is the way it is. I'll expand on this.
First of all, on all Visa/MC cards, the name means NOTHING. NOTHING AT ALL.
You do not need this name and address of the cardholder to successfully use
the account, at no time during authorization is the name ever needed, and with
over 50,000 banks, credit unions, and various other financial institutions
issuing credit cards, and only 5 major credit verification services, it is
impossible to keep personal data on each cardholder.
Ordering something and having it sent with the real cardholder's name is only
going to make things more difficult, at best. There is no way that you can
tell if the card is a normal card, or a premium (gold) card merely by looking
at the account number. The only thing that can be told by the account number
is the bank that issued the card, but this again, is not needed.
The expiration date means nothing. Don't believe me? Call up an
authorization number and check a card and substitute 12/94, and if the account
number is good, the card will pass. The expiration date is only a binary-type
check to see if the card is good, (Yes/No), it is NOT a checksum-type check
code that has to be matched up to the card account to be valid.
Carding Stupid Things:
---------------------
Whenever anyone, ANYONE tries to card something for the first time, they
ALWAYS want to get something for their computer. This is nice and all, but
just think that every person that has ever tried to card has tried to get a
hard drive and a new modem. Everyone does it, thus every single computer
company out there is aware and watching for that. If I could give every
single person who ever tries to card one piece of advice, it would be to NEVER
order computer equipment. I know there are a hundred guys that will argue
with me about it, but common sense should tell you that the merchants are
going to go out of there way to check these cards.
Merchant Checking:
-----------------
Since I brought up merchants checking the cards, I will review the two
basic ways that almost all mail-order merchants use. Keep these in mind when
designing your name, address and phone number for your drop.
The Directory Assistance Cross-Reference:
----------------------------------------
This method is most popular because it is cheap, yet effective. You can
usually tell these types of checks because during the actual order, you are