Lecture: Bank cards (carding education 2021)

[Carding]

Lecturer: Gunnar

6:29:04 PM - Gunnar: So, today we’ll talk a little about bank cards, the principles of their work and the nuances of buying them for work, and we will touch upon such issues as check cards, 3DS / VBV and why we even get “good” cards decline

6:29:24 PM - Gunnar: Each of you has come across bank cards one way or another in your life, but few have wondered how the card payment process works and what information the plastic and the information printed on it carry

6:29:48 PM - Gunnar: The first thing a beginner carder needs to learn is basic information about bank cards in the context of our shadow activity

6:30:16 PM - Gunnar: in our context, CC (Credit Card, credit card, cardboard, etc.) - carefully stolen data from a real (or virtual) card holder who does not live in the CIS countries

6:30:53 PM - Gunnar: Where do we get the cardboard? 3 main options - buy in shops, from private (or not so) sellers, or get it yourself (from a fake site, from a botnet, some hacked database, or from any other place where your imagination is enough)

6:31:13 PM - Gunnar: Consider the most popular and obvious option when buying a card

6:31:24 PM - Gunnar: Upon purchase, you will receive a cardboard in approximately the following format:

6:31:35 PM - Gunnar: 4147400219040084 | 10/20 | 826 | Richard Brown | 56 Groveview Cir # 302 | Rochester | 14612 | NY | USA | 661-298-0881 | richielang@aol.com

6:31:49 PM - Gunnar: Each shop / seller has a different format, you can customize it somewhere, but the main points are identical

6:32:04 PM - Gunnar: In our example, 4147400219040084 is the credit card number;

6:32:21 PM - Gunnar: 10/20 (10 month / 20 year) - card expiration date (Expiry / Expiration Date);

6:32:35 PM - Gunnar: 826 - CVV / CVV2 / CVC card security code;

6:32:53 PM - Gunnar: Richard Lang - First and Last Name (first name, last name);

6:33:06 PM - Gunnar: 56 Groveview Cir - Address Line 1 (first line of address);

6:33:41 PM - Gunnar: # 302 - Address Line 2 (second line of address). Please note that the street name and house number is always Line 1, and the apartment / extension / office number is Line 2. If the house is private, then Address Line 2 will be absent.

6:33:48 PM - Gunnar: Rochester - a city;

6:34:01 PM - Gunnar: 14612 - Zip code (zip, an analog of our zip code);

6:34:13 PM - Gunnar: NY (New York) - state;

6:34:20 PM - Gunnar: USA - country;

6:34:33 PM - Gunnar: 661-298-0881 - phone;

6:34:44 PM - Gunnar: richielang@aol.com - holder email address.

6:35:18 PM - Gunnar: The minimum required information to work is CC number, Expiration Date, CVV, First / Last name, Address line 1, Zip code.

6:35:38 PM - Gunnar: Let's dwell on the card number, it contains important information for work

6:35:58 PM - Gunnar: BIN (Bank Identification Number) - first 6 digits of a credit card number

6:36:25 PM - Gunnar: Each banking organization has a pool of unique numbers that are assigned to the cards they issue.

6:36:57 PM - Gunnar: These numbers contain information about the payment system (Visa / MC / AmEx / Discover, etc.), the issuing bank, the card level (Classic / Gold / Platinum, etc. .), type of card (Credit / Debit / Prepaid)

6:37:33 PM - Gunnar: The first BIN digit identifies Major Industry Identifier (MII) - the global payment system in which this card works

6:38:12 PM - Gunnar: The main payment systems you will encounter are AmEx (the first digit of the card starts at 3), Visa (4), MasterCard (5), Discover (6).

6:39:01 PM - Gunnar: Detailed information about bins can be found on services like binlist.net, binov.net (the latter is very convenient for mass search of bins and reverse search of bins by banks, I recommend writing down)

6:39:16 PM - Gunnar: If we break through the BIN cards from the example above (414740), we will see the following information:

6:39:21 PM - Gunnar: TYPE: VISA;

BANK: CHASE BANK USA, N.A .;

RANK: CREDIT;

TYPE: SIGNATURE;

COUNTRY: USA

6:39:48 PM - Gunnar: The remaining digits of the card, except the last, identify the holder's account in the bank, and the last digit is the control, designed to validate the bank card number using the Luhn Algorithm.

6:39:59 PM - Gunnar: Now, with regard to directly buying cards in shops

6:40:15 PM - Gunnar: When buying cards, one of the most important parameters is the validity of the base in which the card entered the store

6:40:57 PM - Gunnar: By shop / seller, it is determined like this: a random number of cards are taken randomly and validated by a checker. Suppose, out of 10 cards 7 valid cards were issued - the validity of such a base is about 70%

6:42:23 PM - Gunnar: I would also like to say that validity is the only, perhaps, really measurable criterion for the quality of cards, but it is far from being a parameter that guarantees successful entry of cards into the service you need. Much depends on the source, where the maps came from - and which one is better, can only be established experimentally.

6:43:14 PM - Gunnar: So, regarding the check of cards. A card checker is a service that drives cards through its merchants. Checkers can work in different ways: a small amount ($ 1-2) can be authorized from the card through the merchants of the checker and come back after a short period of time. This method is bad in that the holder can be configured with notifications for transes and a suspicious transaction may cause him to block the card. Well, or he just at the wrong time can check the bank statement.

6:43:34 PM - Gunnar: More advanced checkers use non-charge validation ($ 0 authorization), which goes unnoticed by the holder and gives a response from the payment system about the validity of the card.

6:44:09 PM - Gunnar: An alternative way to check a card for validity is to link it to some services (as an example, to Google, or to any other service where the card fits into your personal account)

6:44:35 PM - Gunnar: This is a fairly safe check method, which minimizes the risk of card death, provided that it also uses the principle of non-charge validation.

6:45:18 PM - Gunnar: In normal shops for invalid cards, a refund is provided - usually it takes 5-15 minutes for a check. If you do not trust your method of checking cards, you can check a card after driving in to minimize the likelihood of her dying from the check. It is also worth remembering that checkers built into shops often spoil cards much more than your own check methods, so use them only if you are sure that the card is invalid.

6:45:49 PM - Gunnar: A few words about CC species. As I said above, most often in work you will meet cards Visa, MasterCard, American Express, Discover

6:46:46 PM - Gunnar: From my experience, it’s easiest to find good Visa and MC beans, but in practice I have seen fat amex beans. The problem with working with Amex is that usually on these cards the holder receives a lot of alerts and, if a fraudulent transaction is detected, the chargeback flies very quickly

6:47:26 PM - Gunnar: Visa, MasterCard and Discover cards have 16 digits per card number and 3-digit CVV codes. Amex has 15 digits in the card number and a 4-digit CVV. This does not affect anything, but any self-respecting carder should know this.

6:47:43 PM - Gunnar: When working with cards, sooner or later you will come across 3D Secure security mechanisms.

6:48:21 PM - Gunnar: For Visa cards, it is called Visa Secure / Verified by Visa (VBV); MC has MasterCard Secure Code (MCSC) and Amex has SafeKey

6:49:09 PM - Gunnar: If you drive into a merch with an activated 3DS system, during the transaction you will be redirected to the static code entry page, which should be known to the holder

6:50:16 PM - Gunnar: These codes will not be known to you when you purchase a card, however, for some bins you can reset them. Also, the implementation of 3DS is beginning to gain more and more popularity, where a one-time code is used for confirmation, sent by SMS / e-mail. Fortunately, there are still quite a few US banks that would introduce such protection (and, conversely, there are more and more banks in the EU)

6:51:40 PM - Gunnar: Also, there is a separate type of map that passes 3DS pages automatically. The bottom line is that in this case, instead of entering the code during the transaction, its details are closely examined by the antifraud of the bank and, if everything suits him, approves of it. Such cards are called autovbv (auto-win) and with their help you can often beat in services with activated 3DS

6:53:39 PM - Gunnar: In general, if you are working on a things with US shops and stumbled upon a shop with activated VBV / MCSC, the easiest way to get into such a shop is to find another one. If you beat any service, or work on the EU - there you already need to look for bins with reset / auto-start, which will climb into your merch. Unfortunately, the only effective method of finding such beans is testing. Yes, you need to buy and interrupt a large number of cards before you find the right ones. Sometimes you can narrow your search by buying auto-win or auto-reset beans from trust sellers - however, this does not mean that such beans will be suitable for your service / shop.

6:53:55 PM - Gunnar: Let's talk a bit about the types and levels of SS

6:54:55 PM - Gunnar: Credit - a card on which you can spend borrowed funds, i.e. not having your own money in the account. Moreover, US cards on credit cards often do not have such a thing as a positive balance - you can only spend credit on them and repay a loan. The more CH has a Credit Score, the higher credit limits the bank gives.

6:55:24 PM - Gunnar: Debit - a card that can only be used within the amount available on the account. The debit card will necessarily be tied to a bank account and is a kind of key to a bank account for the convenience of everyday payments.

6:56:07 PM - Gunnar: Prepaid - a card with a prepaid amount - a smart card that stores electronic money deposited in advance by the cardholder. In many respects, they are similar to debit, but unlike them, they are not related to bank accounts. Often found in payment systems like Payoneer, ePayments, etc. Some merchants refuse to work with prepaid cards.

6:57:30 PM - Gunnar: As for the card levels, there are a lot of them and they are different for different banks. From Classic to Black. On the one hand, cards of a higher level indicate a higher status of the owner and potentially there may be more money on them than on cards of low levels. However, when working on the US on high-level cards, there may be no trivial balances, there may be limits on transactions and such bins will simply not give

6:57:57 PM - Gunnar: In working with US cards, I much encounter Classic cards and similar "low" levels that are great for our work

6:58:51 PM - Gunnar: So I can’t give you a definite recommendation like “take platinum, it will give” (a common misconception in our environment). Only test and identify patterns in your practice.

6:59:45 PM - Gunnar: I also want to note that far from always having a balance on a card (and even missing limits) equals a successful drive. Now I will give a detailed explanation of why this happens. To do this, we consider in detail the entire kitchen that occurs when paying with a card and hidden from the eyes of the layman.

6:59:56 PM - Gunnar: Let's analyze the main participants in the payment process:

7:00:18 PM - Gunnar: - CH: cardholder, owner of the card with which the payment is made;

7:01:03 PM - Gunnar: - Merchant: in fact, the online point of sale of the goods with a current account, which should ultimately receive funds for the goods. Many confuse the merchant and what is more correctly called a payment gateway. These are different things, but on the carder slang, for simplicity, we talk about them as a whole (about merchandise).

7:01:44 PM - Gunnar: - Payment Gateway - a technology that allows you to connect a merchant with a processing center and an acquiring bank;

7:02:27 PM - Gunnar: - The processing center is a high-tech system for processing bank card payments in the field of electronic commerce. It receives data from payment gateways, processes and redirects it to the issuing bank;

7:03:11 PM - Gunnar: - Issuing Bank (CH Bank): a bank that also operates under the jurisdiction of one of the global payment systems and issued a card to the holder;

7:03:48 PM - Gunnar: - The global payment system (Visa / MC, etc.) is an organization that regulates and produces interbank settlements. In simple words, it allows you to transfer money from the account of the issuing bank to the account of the acquiring bank and dispels the entire process that occurs during this.

7:05:08 PM - Gunnar: After clicking the Place Order button on the CH, the data first goes to the shop’s antifraud system. It evaluates your order according to its huge array of criteria (I recommend that you read the articles and decides whether to pass the order further automatically, send on a manual verif or give you instant decline. At this stage, in most cases, these cards have not gone further than the shop.

7:05:55 PM - Gunnar: If you passed an antifraud check, or the manager manually updated your order, the payment process continues.

7:06:34 PM - Gunnar: After the order has been updated, your data is collected, encrypted and transmitted to the Payment Gateway. In turn, it evaluates the transaction according to its own criteria (gateways have their own antifrauds that allow detecting suspicious patterns) and can immediately deploy payment.

7:07:19 PM - Gunnar: Let's say the CH transaction did not seem suspicious to the gateway - in this case, it transfers all the data further to the processing center. The processing center again checks its criteria for fraudulent transactions and decides whether to forward the transaction.

7:07:42 PM - Gunnar: If the processing center liked everything - the transaction goes through the global payment system to the issuing bank

7:09:11 PM - Gunnar: The issuing bank analyzes CH transactions if it seems out of the ordinary (for example, CH never bought anything more than $ 100 from a card, and you suddenly try to drive a gold bar for $ 10k ) - can also wrap up the transaction. I want to note that often previous, real successful transactions in the service you have chosen can increase confidence in yours. Therefore, it is often possible to drive from logs from attached paychecks even from those bins that never climb under normal conditions

7:09:39 PM - Gunnar: The issuing bank also looks at the limits set by the holder and, of course, the availability of available own / credit funds.

7:10:19 PM - Gunnar: If it seems to the issuing bank that everything is in order, it sends a positive response to the acquiring bank back through the global payment system, which in turn returns the result of the successful transaction to the payment gateway and the gateway responds directly to you or the shop manager about successful payment

7:11:27 PM - Gunnar: Actually, that’s why the fact that you have a card with a known balance on hand does not give you confidence in a successful drive. For each transaction, you are dealing with a multi-stage antifraud (shop, payment gateway, processing center and banks).

7:12:35 PM - Gunnar: It also follows that many of the popular bins are just “staggered” and don’t get into the shops / services you need. In this context, “delayed” means that a large percentage of fraudulent transactions were noticed from the cards of such a bin, and all levels of antifraud react poorly to them.

7:13:51 PM - Gunnar: Your task for successful SS driving is to maximize the tuning of your car and your shop actions for a real user, and with the painstaking tests and experiments to select the very beans that will lead you to the treasured profit

7:14:55 PM - Gunnar: In more detail, all these points in the context of a direct drive into a shop with an SS under a pickup truck, we will analyze with you on the corresponding lecture. Also, you still have a lot of lectures, where one way or another will affect the work with maps

7:15:07 PM - Gunnar: Today we have everything on the cards, I'm waiting for your questions

7:15:58 PM - Gunnar: Is everyone asleep? )

7:16:14 PM - timoha26: 1. which checker is better to use in work?

2. Before you drive in, you need to look at what amount the CH transaction had and to beat within these amounts?

7:17:06 PM - Gunnar: 1. One that does not kill cards. I don’t use checkers who advertise on karzh forums, but I always find services where you can attach a card and when it is linked, it is validated. This is the most "clean" and native check method.

7:18:53 PM - Gunnar: 2. Optionally, you may have a bin that purely statistically climbs good amounts into the service you need and it makes no sense to analyze transactions in such a situation. Plus, in order to see such info, you need to either break the card, which is often hemorrhoid, adds time to breaking through, or ring the bank, which also often requires at least SSN. Because I hardly do this, I prefer to look at statistics on volumes, it turns out more reliable.

7:20:23 PM - revolvervv81: Examples of checkers that use non-charge validation?

Is it possible to determine a card with autovbv (autowave) only through tests?

How to find out the limits on the card? How to increase them?

How to get the cards yourself?

7:21:06 PM - Gunnar: 1. If we are talking about service checkers, then luxchecker used to be one, until it got angry. Now I don’t know how they are doing, I haven’t been using it for a long time. And so - the same google

7:21:38 PM - Gunnar: 2. Yes, only with tests. Previously, there were options with map generation and driving generics into merchants with 3DS, but they no longer work

7:22:46 PM - Gunnar: 3. Is it just ringing the bank. You can not always raise it. If you work precisely, then before the transaction you can try to ring the bank and ask to remove the limit for a specific trans, but this will require an experienced dialer and breaking through the information

7:23:23 PM - Gunnar: 4. Either raise the botnet or break the shops. In any case, all such methods require investments and skills.

7:23:30 PM - bloomberg7: 1) how do you know when the card data went beyond the shop? 2) And the merch itself (that is, the payment acceptance service can determine the delay of the bins or does the shop only pay attention to it? 3) I don’t understand when money is debited from the card, I always find out about it by SMS, do Americans have no notification?

7:24:42 PM - Gunnar: 1. Usually only by indirect parameters - for example, a transaction is wrapped in a shop instantly. There are no 100% factors

7:26:14 PM - Gunnar: 2. Of course, merchants have their own statistics. An antifraud on certain bins may be delayed at the shop (for example, the shop will be triggered by driving an iPhone 11 Pro Max with 414720 because there were already 20 such fraud drives). only find this out by thorough testing. Before you actually bought some cards and tried using them for the specific store / service, you never know if they actually work.

7:44:35 PM - Gunnar: And I didn't quite catch the second part

7:44:44 PM - Gunnar: You meant binding?

7:44:56 PM - Gunnar: artil352: Depends only on your experience. Knowing the service and the bins well, you can stomp stably for 10k. Initially, it depends on the chosen direction - for example, for a pickup there is no sense at all to hit less than $ 1000

7:44:59 PM - macpru: yes bindingg

7:45:57 PM - Gunnar: macpru: You can add a card to a service like google (go to play.google.com> payments). If it's being added successfully, it's valid. Google does this validation thing prior to adding a card

7:46:18 PM - revolvervv81: There are a lot of ss shops on the forum. Will you advise the shops? Or the ones you work with

7:46:42 PM - macpru: ok

7:47:06 PM - Gunnar: There will be a lecture where we will analyze this issue in detail (lectures on Airbnb near the end of the training). And so, ferum, bingo, cvvme, topcc

7:47:16 PM - Gunnar: Getting Started and What I Work With

7:47:25 PM - bloomberg7: Why don’t banks introduce some kind of additional protection so that they wouldn’t give a damn about fraudulent operations? Why doesn’t it make sense to hit small amounts under peaks?

7:49:27 PM - Gunnar: Well, they are slowly entering. But the banking system of the states is archaic and slow, at the moment the cost of implementing such decisions exceeds the losses from carding, that's why our sphere still lives. Plus, any introduction of 3DS and similar systems reduces conversion (people think it's too complicated and just don’t pay with a card), so shops and services always look for a balance between conversion and security using fine-tuning anti-fraud systems

7:49:53 PM - Gunnar: Because under the pickup under the pickup most often they take goods with a total value of $ 1k +

7:50:16 PM - Gunnar: Well, the fakeID pickup cost per forwarding is $ 500 on average

7:50:21 PM - Gunnar: Because it does not make sense

7:50:55 PM - Gunnar: If you use pick-up services that use movable drops that drive by trust - there yes, it can still be relatively reasonable

7:52:03 PM - artil352: That's interesting, if I want to hiss something through pickup services, will there be a lecture on how to do this safely?

7:52:32 PM - Gunnar: well, there will be a separate pick-up lecture and a mid-lecture, I think you will learn a lot from them on this subject

7:53:47 PM - macpru: example of mastercard world elite .. can it be used for shopping too since it gives discount on travel for travelers .. is it adviseable to use for shoping?

7:55:15 PM - Gunnar: Card level itself says basically nothing about will this card be cardable or not. There are no dependencies at all. The only thing to find out will it actually work as you want it is to test it - so once again, nothing new can be said here

7:55:46 PM - net23: what is a pickup truck?

7:56:28 PM - Gunnar: There will be a separate lecture on this subject. If briefly - driving a staff to the address of CH, followed by a hold at the branch and raising drops with fake ID

7:56:38 PM - Gunnar: either by proxy

7:58:12 PM - Gunnar: Okay, if everyone is tired, thank you all for participating

7:58:19 PM - Gunnar: If anything, contact the telegrams

7:58:33 PM - Gunnar: Also, I will be glad to receive feedback on the lecture on the forum

7:58:44 PM - Gunnar: You're welcome, if anything, to the telegrams

 

[Carder]

Carding Education 2021. Bank cards.​

Lecture - Credit Cards (CC)

Lecturer: Gunnar

11:14:10 AM - Gunnar: Ladies and Gentlemen, turn off the flood during the lecture and let's start

11:14:49 AM - Gunnar: Today we will talk a little about bank cards, how they work and the nuances of buying them for work, and touch on such issues as card check, 3DS / VBV and why we can get delineation even on “good” cards (unsuccessful result of transaction execution)

11:15:15 AM - Gunnar: Each of you in one way or another has come across bank cards in your life, but few have thought about how the card payment process works and what information is contained in the plastic itself and the information printed on it

11:15:28 AM - Gunnar: The first thing that a novice carder should learn is basic information about bank cards in the context of our shadow activities

11:15:48 AM - Gunnar: In our context, CC (Credit Card, credit card, cardboard, etc.) is carefully stolen data of a real (or virtual) card of a holder not residing in CIS countries

11:16:39 AM - Gunnar: Where do we get the cardboard? 3 main options - buy in shops, from private (or not so) sellers, or get it yourself (from a fake site, from a botnet, any hacked database, or from any other place where your imagination is enough). We will not talk about self-mining today, this is a topic "with an asterisk" for self-development

11:16:53 AM - Gunnar: Consider the most popular and obvious option with buying a card

11:17:00 AM - Gunnar: Upon purchase, you will receive cardboard in something like this format:

11:17:03 AM - Gunnar: 4147400219040084 | 12/20 | 826 | Richard Lang | 56 Groveview Cir # 302 | Rochester | 14612 | NY | USA | 661-298-0881 | richielang@aol.com

11:17:22 AM - Gunnar: The format of each shop / seller is different, somewhere it can be customized, but the main points are identical

11:17:32 AM - Gunnar: In our example, 4147400219040084 is the credit card number;

11:17:44 AM - Gunnar: 12/20 (12 month / 20 year) - expiration date of the card (Expiry / Expiration Date);

11:17:50 AM - Gunnar: 826 - CVV / CVV2 / CVC card security code;

11:17:57 AM - Gunnar: Richard Lang - First and Last Name (first name, last name);

11:18:05 AM - Gunnar: 56 Groveview Cir - Address Line 1 (first line of address);

11:18:35 AM - Gunnar: # 302 - Address Line 2 (second line of address). Please note that the street name and house number are always Line 1, and the apartment / extension / office number is Line 2. If the house is private, then Address Line 2 will be absent;

11:18:39 AM - Gunnar: Rochester - city;

11:18:50 AM - Gunnar: 14612 - Zip code (zip, analogue of our postal code);

11:18:57 AM - Gunnar: NY (New York) - state;

11:19:00 AM - Gunnar: USA - country;

11:19:04 AM - Gunnar: 661-298-0881 - phone;

11:19:09 AM - Gunnar: richielang@aol.com - the email address of the holder.

11:19:26 AM - Gunnar: The minimum information required to work in most directions - CC number, Expiration Date, CVV, First / Last name, Address line 1, Zip code

11:19:42 AM - Gunnar: Let's dwell on the card number in more detail, it contains important information for work

11:19:53 AM - Gunnar: BIN (Bank Identification Number) - first 6 digits of credit card number

11:20:10 AM - Gunnar: Each banking organization has a pool of unique numbers that are assigned to the cards they issued

11:20:33 AM - Gunnar: These numbers contain information about the payment system (Visa / MC / AmEx / Discover, etc.), the issuing bank, the card level (Classic / Gold / Platinum, etc.) .), card type (Credit / Debit / Prepaid)

11:20:49 AM - Gunnar: The first digit of the BIN identifies the Major Industry Identifier (MII) - the global payment system that this card operates under

11:21:25 AM - Gunnar: The main global payment systems you will face are AmEx (the first digit of the card starts with a 3), Visa (4), MasterCard (5), Discover (6)

11:22:08 AM - Gunnar: Detailed information about bins can be found on services like binlist.net, binov.net (the latter is very convenient for the masses of searching for bins and reverse searching for bins by banks, although the databases are somewhat outdated at the moment)

11:22:22 AM - Gunnar: If we break through the BIN of the card from the example above (414740), we will see the following information:

11:22:30 AM - Gunnar: TYPE: VISA;

BANK: CHASE BANK USA, N.A .;

RANK: CREDIT;

TYPE: SIGNATURE;

COUNTRY: USA

11:22:53 AM - Gunnar: The rest of the card digits, except for the last one, identify the holder's account in the bank, and the last digit is the control one, designed to validate the bank card number using the Luhn Algorithm

11:23:05 AM - Gunnar: Now regarding the purchase of cards in shops

11:23:16 AM - Gunnar: When buying cards in most shops, we will see such a parameter as the validity of the base in which the card entered the shop

11:24:01 AM - Gunnar: It is determined by the shop / seller as follows: a certain number of cards are taken at random and validated by the checker. Let's say, out of 10 cards, 7 valid ones came out - * the declared * validity of such a database is about 70%. I note that the real validity can vary greatly depending on the honesty of the seller / shop, the checker used, the method of obtaining the cards and how long ago the base was mined

11:24:15 AM - Gunnar: Card Checker is a service that runs cards through its merchandise

11:24:31 AM - Gunnar: Checkers can work in different ways: a small amount ($ 1-2) can be pre-authorized from the card through the checker's merchant and returned back after a short period of time

11:25:13 AM - Gunnar: This method is bad because the holder can be configured with notifications for transfers and a suspicious transaction can force him to block the card. Well, or he may just check the bank statement at the wrong time (a bank statement is sometimes available in paper form, by calling the bank, or in online banking)

11:25:32 AM - Gunnar: More advanced checkers use $ 0 authorization, which goes unnoticed by the holder and gives a response from the payment system about the card's validity

11:25:57 AM - Gunnar: An alternative way to check a card for validity is to link it to any services (as an example, to Google, or to any other service where the card is linked to your personal account)

11:26:23 AM - Gunnar: This is a fairly safe check method that minimizes the risk of card death, provided that it also uses the principle of chargeless validation

11:26:49 AM - Gunnar: In normal shops, a refund is provided for invalid cards - usually 5-15 minutes are given for a check

11:27:37 AM - Gunnar: To minimize time and financial losses, I recommend checking cards after purchase and trying to get a refund if the card is dead. If you don't trust your method of checking cards (let's say you think that it can kill cards), you can check the card after driving in to minimize the likelihood of its death from the check.

11:28:26 AM - Gunnar: It is also worth remembering that checkers built into shops often spoil cards much more than your own check methods, so use them only if you are sure that the card is invalid (the algorithm is most often this: you check the card with the shop checker, if the shop checker reports the premature death of the card, you get a refund; if the checker says that the card is alive, then no)

11:28:51 AM - Gunnar: Also, I want to note that by far the safest method of checking a card is to try to upload it or call the bank. In this case, sometimes it may be necessary to break through the additional. card info (SSN (social insurance number) / DoB (holder's date of birth) or something else)

11:29:18 AM - Gunnar: A few words about CC types. As I said above, most often in your work you will come across Visa, MasterCard, American Express, Discover

11:29:59 AM - Gunnar: From my experience, the easiest way is to find good Visa and MC bins, but in practice I have also met fat Amex bins (however, the latter has its own specifics - the chargeback goes faster, which is often disastrous for driving . You need to understand where this will take place, and where it will ruin your work). Discover cards are more exotic - but in some areas they are also used

11:30:21 AM - Gunnar: Visa, MasterCard and Discover cards each have 16 digits in the card number and 3-digit CVV codes. Amex has 15 digits in the card number and a 4-digit CVV

11:30:34 AM - Gunnar: When working with cards, sooner or later you will come across the protective mechanisms of 3D Secure

11:30:55 AM - Gunnar: Visa cards call it Visa Secure / Verified by Visa (VBV); MC has MasterCard Secure Code (MCSC) and Amex has SafeKey

11:31:50 AM - Gunnar: These mechanisms are designed to significantly reduce the percentage of unauthorized / fraudulent transactions with cards by adding an additional method of transaction confirmation that is not associated with the card itself. In the case of driving into a merch with an activated 3DS system, during a transaction you will be redirected to the page for entering a static code, which should be known to the holder, or a one-time code sent to the holder via SMS / e-mail

11:32:39 AM - Gunnar: Static codes will not be known to you when you buy a card, however, for some bins they can be discarded. Bins where this can be done are called VBV reset bins

11:32:50 AM - Gunnar: Also, there are bins that go through VBV automatically

11:33:12 AM - Gunnar: It looks like this: during a transaction, you get to the VBV page, similar to that for the above bins, but the VBV code itself does not ask you

11:34:28 AM - Gunnar: At this time, the issuing bank evaluates your transaction according to its anti-fraud criteria and gives an answer to the merchant, whether you passed the VBV verification or not. These bins are called autobw. Also, sometimes autobv cards are found in banks that simply have not yet implemented protection using 3DS, in such banks the percentage of successful VBV passage will be higher. Usually these are small banks (most often Credit Unions)

11:35:07 AM - Gunnar: If you work with US shops and stumbled upon a shop with VBV / MCSC, the easiest way is to score on such a shop and find another. If you hit any service where VBV is required (for example, Airbnb), or you work on the EU, there you already need to look for bins with reset / autobv, which will go into the merch of your service / shop

11:35:16 AM - Gunnar: Let's talk a little about types and levels of SS

11:35:44 AM - Gunnar: Credit is a card on which you can spend borrowed funds, i.e. not having money on the account

11:36:05 AM - Gunnar: Moreover, US cards on credit cards often do not have such a thing as a positive balance at all - you can only spend credit on them and repay the loan

11:36:51 AM - Gunnar: The higher the KX Credit Score, the higher credit limits the bank gives. I would like to draw your attention to the fact that if on such a card you want to call the bank, or upload (this concept will be covered in detail in further lectures, it implies getting access to online banking of the card) and find out the balance, then the funds that are really available for spending will not be an account balance, and available credit

11:37:32 AM - Gunnar: Debit is a card that is tied to a bank account and is a kind of key to a bank account for the convenience of day-to-day settlements (obviously, as a method of making payments, bank accounts are not as convenient as cards). Funds are debited from debit only within the current balance on the BA

11:38:48 AM - Gunnar: Prepaid - a prepaid card - a smart card that stores electronic money previously deposited there by the cardholder. In use, they are similar to debit, but unlike them, they are not associated with bank accounts. They are often found in payment systems like Payoneer, ePayments, etc. Some merchants refuse to work with prepaid cards. I note that this is the worst option for work, with the exception of cases when you clearly know the properties of such a bin, how to work with it and what to do.

11:39:31 AM - Gunnar: As for the card levels - there are a lot of them and they are different for different banks. From Classic to Black. You can read a detailed description in the educational program format of each of the levels in the working conference on the forum, there should be a corresponding post

11:39:56 AM - Gunnar: On the one hand, higher tier cards indicate a higher status of the owner and potentially have more money on them than lower tier cards

11:40:25 AM - Gunnar: However, in practice this is far from always the case - for example, in my arsenal there are Classic bins, which always have a lot of available funds, their holders are mostly active and such cards allow you to write off large amounts

11:40:56 AM - Gunnar: On the other hand, there are Platinum bins, on which, on average, there is little money and it is difficult to write off transactions from them, and often it is impossible at all due to widespread limits and evil banking fraud

11:41:38 AM - Gunnar: Thus, I want to dispel the popular myth that you should try to take cards of higher tiers - often this is far from the case (at least when working with US cards. In the case of EU cards, the use of cards of Gold levels and higher is justified and really shows statistically better results)

11:42:16 AM - Gunnar: I also want to note that the availability of funds available for spending on the card is not always equal to a successful drive in, and now I will give a detailed explanation of why. To do this, consider in detail the entire kitchen that occurs when paying by card and is hidden from the eyes of the layman

11:42:26 AM - Gunnar: The process of paying with a bank card on the Internet is not as easy as it seems at first glance

11:42:35 AM - Gunnar: Let's say you pay at an online store

11:42:43 AM - Gunnar: Let's analyze the main participants in the payment process:

11:43:00 AM - Gunnar: - CH: cardholder, owner of the card from which the payment is made;

11:43:34 AM - Gunnar: - Merchant: in fact, an online point of sale of goods with a current account, where funds for the goods should eventually be received. Many people confuse a merchant and what is more correct to call a payment gateway. These are different entities, however, in karder slang, for simplicity, we speak of them as a single whole (about merch);

11:43:53 AM - Gunnar: - Payment Gateway - a technology that allows you to connect a merchant with a processing center and an acquiring bank;

11:44:29 AM - Gunnar: - Processing center is a high-tech system for processing payments on bank cards in the field of e-commerce. Receives data from payment gateways, processes and redirects them to the issuing bank;

11:44:56 AM - Gunnar: - Acquiring bank (merchant's bank): a bank that is a member of the global payment system (Visa / MC, etc.) and allows a business to accept payments using bank cards;

11:45:08 AM - Gunnar: - Issuing bank (KX bank): a bank that is also a member of the global payment system and issued the card to the holder;

11:45:59 AM - Gunnar: - The Global Payment System (Visa / MC, etc.) is an organization that regulates and makes interbank settlements. In simple words, it allows you to transfer money from the account of the issuing bank to the account of the acquiring bank and resolves the entire process taking place and solves possible problems

11:46:11 AM - Gunnar: After pressing the KX button Place Order, first the data goes to the antifraud system of the shop

11:47:05 AM - Gunnar: It evaluates the order according to its huge array of criteria (I recommend reading the articles and decides whether to skip the order further automatically, send it to manual verification, or give an instant declline

11:47:25 AM - Gunnar: At this stage, in most cases, the card data has not yet gone beyond the shop

11:47:38 AM - Gunnar: If the antifraud check is successful, or the manager has manually approved the order, the payment process continues

11:48:29 AM - Gunnar: After the order is approved, the data is collected, encrypted and transmitted to the Payment Gateway. In turn, he evaluates the transaction according to his criteria (gateways have their own anti-fraud systems that allow detecting suspicious patterns) and can immediately deploy the payment

11:49:03 AM - Gunnar: Let's say that the KX transaction seemed legitimate to the gateway - in this case, it transfers all the data on to the processing center. The processing center again checks its criteria for fraudulent transactions and decides whether to forward the transaction further

11:49:18 AM - Gunnar: If the processing center likes everything, the transaction goes through the global payment system to the issuing bank

11:50:45 AM - Gunnar: The issuing bank analyzes CH's transactions even if the transaction seems out of the ordinary to him (for example, KX has never bought anything more expensive than $ 100 from a card, and you are suddenly trying to drive in a gold bar for $ 10k ) - can also wrap a transaction (at least before KX calls the bank and verifies such a transaction, usually accompanied by a decent number of questions, the answers to which in theory should only be known to KX)

11:51:15 AM - Gunnar: The issuing bank is also looking at the limits set by the holder and, of course, the availability of own / credit funds available

11:51:53 AM - Gunnar: If the issuing bank also thinks that everything is in order, it sends a positive response to the acquiring bank through the global payment system, which, in turn, returns the result of a successful transaction to the payment gateway and the gateway informs directly to you and the shop managers about successful payment

11:52:26 AM - Gunnar: Now do you understand why the fact that you have a card with a known balance does not give you confidence in a successful hammering? You are dealing with multi-stage anti-fraud (shop, payment gateway, processing center and banks)

11:53:09 AM - Gunnar: All our activity is to learn how to effectively bypass all stages of antifraud. This is quite difficult, because there are always many variables that are inaccessible to us, but by intelligently analyzing the bugs, sooner or later we find vulnerabilities that we exploit until they are closed.

11:53:29 AM - Gunnar: If we are talking about working with cards, then we have 2 main entities that we must choose correctly in order to bypass the above protection systems

11:54:36 AM - Gunnar: The first is the technical side, namely, the correct configuration of the system, imitating that of a real holder (includes, for example, system languages, time zone, etc., substitution of an IP address using anonymizers (proxy servers, SSH tunnels, OVPN / PPTP configs, direct access to machines (RDP, (H) VNC, etc.) and behavioral factors (imitation of real user actions)

11:55:36 AM - Gunnar: The second is the party directly related to the cards, namely, the search for bins that have the characteristics you need to work with the selected service: stable passage of transactions for the required amounts, the ability to bypass VBV, the ability to enroll, or obtaining certain information by calling the bank, etc.

11:55:49 AM - Gunnar: In further lectures, we will one way or another touch on both of these sides applicable to various areas in carding

11:55:57 AM - Gunnar: That's all for today, I'm waiting for your questions

11:56:09 AM - gangass13: 1) TYPE: SIGNATURE - what is it?

2) according to the Luna algorithm - what is it?

3) what is the point of checking the card after insertion, if it is invalid? do not have to re-configure the system later?

4) Will there be examples of more or less normal bins, so as not to waste money on bad material?

12:01:04 PM - Gunnar: 1. In this context, it is a type of Visa Signature card, one of the higher tier cards;

2. Luhn algorithm, I recommend to google if interested in details. Better than Wikipedia, I won't tell you about it;

3. To get a ref in the shop for it. Regarding setting up the system again after declline - if you hit the same shop (as well as a shop with the same merchandise and AF) - you definitely need to set up again / create a new config in antique;

4. No, you will generate the bin database yourself. It is very difficult to give bins just like that. different bins have different properties: some go into a certain merch, some do not, etc. In addition, a bin / shop given to an audience of 40 people from a worker can quickly turn into a non-working one.

12:07:41 PM - SPARK_LQ: 1. what is the principle to filter out bins and look for normal ones? you can share your personal experience, how you make and select beans. that is, I drove n number of cards of the same bin, all of them did not have the required amount / did not fit into the merch. can I throw this bin away? or how much better it will be to sort through the cards of one bin to understand the fat or not.

2. if a certain bin does not fit into the merch, does it mean that all the bin's ones won't fit into this merch? or can there be exceptions?

3. Tell us about the shops, where is it better to get the shop, what are the garbage shops / more or less normal?

12:13:27 PM - Gunnar: 1. It very much depends on the service you are testing the beans on. For example, if the service is with VBV, then you have 2 criteria for selecting a bin: 1) passing VBV (auto / reset, the first option is much more common) and 2) passing transactions for the required amount. Ideally, of course, test a bin with a known balance (buy a card> call the bank / roll), but not all bins do this, so I test a bin at least 3-4 times to make a conclusion about it (and even In this case, a purely statistical conclusion may be incorrect, but the overall picture is usually quite accurate with this approach). If you are testing bean in shops without wbw, then you need to test bean in at least several shops. My criterion is approximately the following: if a bean fails> 3 times per $ 1000 in a tested shop, I will no longer test it in this shop and will give a lower priority when testing it in other shops. When choosing bins, I rely on the fact that the map of the tested bin is from the most recent database, the bank is not from the top 15 major ones and I definitely check it for valid in order to exclude an incorrect conclusion about a bin due to a poor-quality mat

12:15:32 PM - Gunnar: 2. There are always exceptions, I'll give you a simple example. Airbnb doesn’t use cards, for example, Chase Bank / BofA with a direct head-on. In 1/20 of the cases, they won't fit if they are random cards. However, if such a card has recently had a transaction in Airbnb, then this particular card is likely to become the very one out of 20.

12:16:11 PM - Gunnar: 3. I draw cards 95% of the time in the following shops: bingo, ferum, joker, valid. They cover the vast majority of my requests.

12:16:29 PM - panacash: I understand correctly that if the credit card has a negative balance, then you can try to fill it in?

12:19:09 PM - Gunnar: Not quite right. Account balance is the amount of transactions per month, it can be either zero (the card was not used) or positive. It is better to take cards with non-zero balance, because there were movements on the card and the bank will approve the transaction from it with a higher degree of probability than from a card that has been inactive for some time. Those. in the case of a credit card, the ideal scenario looks like this: account balance> $ 100, available credit is at least $ 100-200 more than the amount you are going to beat

12:20:42 PM - noghosting: Gunnar: Good day, can we get the English lecture?

12:22:09 PM - Yarah: noghosting I dont speak Russian either, you can open laba.im/xmpp on Google Chrome and use auto translator from Google. It will translate instantly what the lecturer says and you can understand 95% + of what's said.

12:22:22 PM - Gunnar: noghosting: There will be a translation available on the forum after the lecture is over (yet I believe they use Google Translate so the quality might be worse than you could expect)

12:22:40 PM - Gunnar: Yarah: yeah, good point

12:23:18 PM - ame: 1.Question about public shops that provide material, what is the quality of the material in them?

And is it worth chasing sellers who are somewhere out there, in "non-public"?

2.How to determine what merchandise is in the store?

12:23:20 PM - Yarah: Gunnar I have a question

12:23:47 PM - Gunnar: Yarah: Sorry, looks like I missed your question. You'll be next in line

12:24:17 PM - noghosting: yea but on chrome you cant use OTR plugins

12:24:42 PM - noghosting: Gunnar: Thanks boss

12:27:07 PM - Gunnar: ame:

1) So all adequate shops are in fact public. At least - those that I have listed above. No, it's not worth chasing, there are many reasons why large "public" shops are better than small sellers. It is banal - the amount of mate and the presence of rare bins. Yes, there are other questions to them, but all their disadvantages do not outweigh the advantages of a large number of cards available.

2) I think this will be touched upon in further lectures. In my opinion, there are 2 adequate methods: in some shops the merchandise is indicated in one way or another (it can be written what kind of merchandise, payment integration can be implemented in such a way that you are redirected to a branded merchandise page, etc.); or, if there is no mention of merch, you need to analyze browser requests in Developer Tools> Network and look for requests from / to the merch in them

12:27:14 PM - Yarah: 1. using CC (Full name, card number, DOB, ZIP etc) info only VS using Logs (cookies, fingerprints etc.)? will CC only work?

2. should we look for NON-VBV cards shops / sellers?

12:29:25 PM - deadhasan: you need to analyze browser requests in Developer Tools> Network and look for requests from / to merchandise in them, I did not understand this

12:29:35 PM - Gunnar: 1. It definitely might work, yet if you have the account from logs with the attached CC, cookies, etc. - success rate will definitely be higher.

2. If you are planning working with services that have VBV implemented, then you might start searching for non / auto VBV BINs sellers and then look up those BINs in the CC shops.

12:29:56 PM - Gunnar: deadhasan: https://developers.google.com/web/tools/chrome-devtools/network

12:32:28 PM - centurion_52: 1. At the beginning of work, is it worth buying VBV auto bins (saw offers on the forum) or is it better to look for yourself?

2. Is it necessary to call the bank every time before driving in order to find out the balance?

12:33:51 PM - deadhasan: pass at least I see them)

12:36:09 PM - Gunnar: centurion_52: 1. Worth it if you plan to work with services with VBV activated. It is clear that not all of these bins will go into the service of your choice, but this is still much better than random testing;

2. Optional, but it makes sense if you want to know the balance (and thereby increase the percentage of successful entries). This does not always make sense for the reasons that I described in the lecture. Let's just say: tests without calls will be faster (you can cover more mate), but less effective

12:36:36 PM - Temporary: 1. why all banks do not introduce vbv (not auto and not with reset)?

2. Will the whole ss-topic end when all banks or most banks introduce such a vbv?

12:41:06 PM - Gunnar: 1. Good question. From my experience, the US banking system is archaic and clumsy and often for many (especially small) banks the cost of implementing such systems is too high. What can I say, if often the banking software in such banks runs on mainframe emulators (servers of the 80s-early 90s) and no one undertakes to rewrite it according to the principle "it works - don't touch it." The IT departments in such banks are appropriate, changing this requires progressively thinking management and free funds, and combinations of such factors are not always encountered.

2. If VBV is entered with OTP via SMS, then 95% of carding with CC will really die out. There will remain only a small layer of carders with bots for mobile devices / other means for intercepting SMS (for example, SIM reissue) that can resist such protection

12:41:45 PM - Koba787: Sorry for a lot of stupid questions, but this is already a tradition:

1 - would you like examples of good checkers (at least conditionally) and good shops with CC? (the same forum is full of ads and one is more beautiful than the other

2 - what is a good BIN? how to learn to understand the goodness of BIN? what are its signs and properties?

3 - by what principle are BINs selected? including where can I reset VBV and how to reset it? And how to select BINs with autoVBV?

4 - in the logs, correct the links pliz (here the broken ones - the SS should be replaced with English SS)

5 - what points relate to the analytics of driving in, that is, what moments and episodes should be recorded in order to analyze in the right direction?

6 - There is a BIN that was successful and 10 that were not successful, but BIN is 6 digits out of 14-16. How to analyze that? Looking for BINs from a series of successful BINs in the same SS shop? or how?

7 - the answers were about the balance of the card: are there balance checkers or only validity?

8 - as I understand it in the choice of credit / debit - there is no exact answer, can it be crap both there and there with the same probability?

(if my question is repeated, please copy and paste the answer) - sorry, it is not always clear from the answers where they answered today)

12:49:15 PM - Temporary: Koba787 I didn't have the lecturer's answers

12:51:35 PM - deadhasan: I am preparing my config to test each SINS separately with the nearest SOCKS5.

I buy the matching fingerprint and cookies to order from LOG Cdiscount or Amazon.

1- Do I need to redo the config from A to Z on every try if BIN doesn't work the first time.

2- Is it recommended to better adapt to the behavior of a real customer, go to the article selling page via a promotional email or ad on a partner site? SCORING?

3- With big merchants like Amazon and others, wouldn't it be better to use PayPal accounts? And use CC on more "independent" sites.

Thank you very much for your answers, I arrived during the conference, so I hope that no answer was given before my arrival.

12:52:40 PM - Gunnar: 1. The most adequate checker now in my opinion is Paris Checker in telegram (@CCParisBot). I answered above about the shops.

2. In the lecture, this issue was highlighted, I will summarize: a good bin is one that has the properties you need (for example, it dials into the balance of / recent transactions, rolls, passes through, connects to the service you need in a convenient way, etc.) ) and at the same time relatively stable (in 50% + cases) allows you to write off the amounts you need to the service you need.

3. They are selected depending on your goals, re-read my answers above. Resetting the VBV, if possible, is most often done in the VBV window using links like Forgot password. If reset is possible, you will be redirected to the code reset form, where you will need to enter any KX data in order to confirm it: somewhere you only need card data, somewhere you need SSN + DOB, somewhere info, which is impossible pierce. You can select bins from autobw only by tests.

4. Sorian, did not switch the layout, thanks for the comment.

5. The result of the transaction and any anomalies during its execution. Merch responses, KX reaction speed (how quickly the transaction was canceled in case of order cancellation), in the case of VBV - how exactly the bin passes (or does not pass) the VBV and what happens at the same time. It is desirable for successful bins to call / try to roll in order to get even more control over driving in the future and the various possibilities that enroll gives (you will have a separate lecture on this topic)

6. Any CC shop has a BIN field in the filters. You can also often search by bank (makes it easier to find similar bins), card level, etc.

7. There are balance checkers, but I highly do not recommend using them. they check by authorizing the required amount, which with a high degree of probability kills the cards;

8. Quite right

12:54:33 PM - Gunnar: deadhasan: Well your question breaks the mind, of course

12:55:52 PM - Gunnar: Can you reformulate the points more clearly?

12:56:20 PM - deadhasan: I inadvertently sent this weed

12:57:20 PM - Gunnar: Ok, then if there is a question from you, then next in turn)

12:57:42 PM - Koba787: 2 - answer to question 2: do I understand correctly that the first 6 wabhs will allow me to more successfully select for my goals? I mean that the remaining 8 digits then change, for example, the BIN is selected as successful and let's say it's a debit card (or even a credit card) in a particular bank, but this does not guarantee that another CH with a similar BIN will have the same limit on the card or the same balance? Or if this is a BIN with NONVBV, another CC with a similar BIN will not have an EWB?

1:01:00 PM - Gunnar: It is clear that even the best BIN in the world will not give you the service you need 100% of the time, even if it fits there very well due to the fact that all holders cannot have the service you need balance on the card. However, purely statistically, some bins are significantly more suitable for driving than others. Often, even the question is not so much in the bin itself as in the bank (perhaps it is the weak protection of the bank that allows its bins to pass well), but it is also not uncommon for this to be such a successful combination of bank + card level + card type, and other bins of this bank will not be as good.

1:01:21 PM - centurion_52: About finding "good" BINs. For example, I found a working bin and there is bank X, system Y, level Z, etc. ... Then in the ss shop I fill in these parameters and get a lot of working bins, right?

1:02:47 PM - Gunnar: centurion_52: Not so for the reason I just described in the last answer. The main parameter will be just the bank, after scoring the same bank and looking at the bins of the same parameters - most likely, they will be about the same as your initial one

1:04:09 PM - Koba787: Gunnar: I would love to see a live matchmaking example)) nobody is tired

1:04:14 PM - centurion_52: <ipetrov> How do I enter a video via the app? thanks

1:04:47 PM - Gunnar: Koba787: This will partially be in the pickup lecture. There will be online. I will try to tell you briefly how I will select a test card.

1:05:30 PM - Gunnar: ipetrov: you will have a separate lecture on enroll, there it will be discussed in detail, wait

1:05:34 PM - OTJlU4HUK: In short, this is how I see the whole picture. Having agreed in advance with the drop, I climb into the ss store. There I look at the entire list of cards that give me at least some information (address, bank, valid, soap, phone). If everything suits me, I copy the bin and check the cart for a more accurate information, but will I be guided by the shops specifically?

1:08:24 PM - Gunnar: OTJlU4HUK: Well, with regard to mate search, not quite so. You go to the ss store and look for cards there for the zips of your drop. If you already have working bins, then you are looking for maps by matching BIN + zips within the radius of your drop (or, if you plan to rewrite, then zips are of less interest to you, you can rewrite from anywhere, then you are guided only by the maps themselves - BIN / bank / card level / brand (visa / master / amex)). Again, we will analyze this in more detail in the pickup lectures.

1:11:52 PM - centurion_52: <Koba787> A lot of CCs come in different data, somewhere only phio, mail and zip, somewhere phio and zip. How much does the completeness of information affect the result? does it have a message to poke the SS where only the full name and ZIP? Given that the shop says about 95% validity ^ for example

1:13:27 PM - Gunnar: Depends on where you hit. Often this data is needed only for enroll / calling the bank

1:14:02 PM - Gunnar: Ok, ladies and gentlemen, I have to take my leave as very much need to leave

1:14:08 PM - Gunnar: We'll have 2 more lectures with you

1:14:12 PM - Gunnar: We'll have plenty of time to chat

1:14:58 PM - Gunnar: Thank you all for your presence and successful carding!