Credit Card Dump
WHAT IS 'Credit Card Dump'
A credit card dump is a digital copy of all the information contained in the magnetic strip of an active credit card, created with the intention of making a fake credit card that can be used to make purchases or withdraw money from an ATM. Credit card dumps are used by carders to capture valuable card data such as the card number and expiration date.
BREAKING DOWN 'Credit Card Dump'
Credit card dumps can be obtained in a number of ways. A popular method is "skimming," in which a card reader is used to copy the data from a credit card. Other methods include hacking into a retailer's network or when a malware-infected point-of-sale device is unwittingly used by the retailer, sending the information to the carders. Even with security chips and other measures to protect credit and debit cards, hackers found new ways to exploit any weaknesses they can find in electronic financial transactions.
WHY CREDIT CARD DUMPS REMAIN HIDDEN
In many cases, a consumer may be unaware that a dump of his or her credit card data has taken place. Carders try their utmost to ensure that credit card dumps go undetected for as long as possible, since cardholders can simply cancel their cards if they suspect that the card's security has been compromised. In fact, the first indication that a data dump has taken place often occurs either when the consumer finds an unauthorized purchase on his or her credit card, or when the consumer receives notice from a retailer that credit card details may have been stolen due to a hacking attack.
Credit Card Dumps have usual 3 tracks, but if any of the 3 tracks is correct and in the account are sufficient funds then the card is good to be used and the requested transaction should be approved.
Track 1 is the only track of the card which contain the holder name. Carder use to change the name from the track to match with the fake ID’s 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 usually as follows:
B5466160081187237^SHORT/JAMES D ^140910100000023001000000415000000
371375660206009=230110118023328700000
SERVICE CODE
The card service code is a 3 digits code present in both track 1 and track 2. Each of the 3 digits o f the code has a meaning and read it together the service code let us know where and how the card can be used
If the first digit is:
WHAT IS 'Credit Card Dump'
A credit card dump is a digital copy of all the information contained in the magnetic strip of an active credit card, created with the intention of making a fake credit card that can be used to make purchases or withdraw money from an ATM. Credit card dumps are used by carders to capture valuable card data such as the card number and expiration date.
BREAKING DOWN 'Credit Card Dump'
Credit card dumps can be obtained in a number of ways. A popular method is "skimming," in which a card reader is used to copy the data from a credit card. Other methods include hacking into a retailer's network or when a malware-infected point-of-sale device is unwittingly used by the retailer, sending the information to the carders. Even with security chips and other measures to protect credit and debit cards, hackers found new ways to exploit any weaknesses they can find in electronic financial transactions.
WHY CREDIT CARD DUMPS REMAIN HIDDEN
In many cases, a consumer may be unaware that a dump of his or her credit card data has taken place. Carders try their utmost to ensure that credit card dumps go undetected for as long as possible, since cardholders can simply cancel their cards if they suspect that the card's security has been compromised. In fact, the first indication that a data dump has taken place often occurs either when the consumer finds an unauthorized purchase on his or her credit card, or when the consumer receives notice from a retailer that credit card details may have been stolen due to a hacking attack.
Credit Card Dumps have usual 3 tracks, but if any of the 3 tracks is correct and in the account are sufficient funds then the card is good to be used and the requested transaction should be approved.
Track 1 is the only track of the card which contain the holder name. Carder use to change the name from the track to match with the fake ID’s 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 usually as follows:
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 ?
371375660206009=230110118023328700000
- START SENTINEL = is 1 character, usual ;
- 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 ?
SERVICE CODE
The card service code is a 3 digits code present in both track 1 and track 2. Each of the 3 digits o f the code has a meaning and read it together the 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 chip
- 5 - card is for national use
- 6 - card is for national use but has chip
- 7 - card is not good for interchange except for bilateral agreements
- 9 - test card
- 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
- 0 - no restriction but PIN is required
- 1 - no restrictions
- 2 - card can be used for goods and services payment 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