Q&A: Carding in the Context of Cybersecurity

Student · 2025-09-17T11:31:57+00:00

1. Technical aspects of carding How do skimmers work and how are they detected? (Skimmer design, their installation on ATMs/POS terminals, protection methods) What is Phishing and How is it Used to Steal Card Data? (Phishing Methods, Attack Examples, Protection from Phishing Sites) How do scammers test stolen card data? (Carding enumeration methods, using microtransactions, bypassing monitoring systems) What is tokenization and how does it protect against carding? (Principles of tokenization, its application in Apple Pay, Google Pay and other systems) How do darknet markets work to sell skimmed data? (Darknet structure, examples of platforms, types of data that are sold) 2. Anti-carding measures How do anti-fraud systems (e.g. Kount, Sift, Riskified) work? (Algorithms, machine learning, user behavior analysis) What is 3-D Secure and how does it prevent carding? (Detailed explanation of Verified by Visa, MasterCard SecureCode, their impact on online transactions) How do banks and merchants use blacklists other than TC40 and SAFE? (Examples of other databases such as MasterCard's MATCH) What behavioral metrics help to identify carding? (Analysis of data entry speed, geolocation, user sessions) How can merchants protect their sites from carding? (Setting up filters, checking IP, integrating with antifraud systems) 3. Organizational and legal aspects How do banks investigate carding cases? (Chargeback processing, interaction with payment systems) What laws regulate the fight against carding? (Overview of legislation, e.g. GDPR, PCI DSS, cybercrime laws) How do payment systems fine merchants for high levels of fraud? (Visa and MasterCard monitoring programs, consequences for merchants) What is PCI DSS and how does it help in the fight against carding? (Card data security standards, their impact on protection) 4. Carding trends and new methods What new technologies do carders use? (Using VPN, proxy, device emulators, bots) How artificial intelligence affect carding and antifraud? (AI in fraud and protection, examples of attacks and countermeasures) What is "friendly fraud" and how is it dealt with? (Cases where cardholders dispute legitimate transactions) How are cryptocurrencies used in carding? (Buying cryptocurrencies with stolen cards, money laundering) 5. Practical examples and cases How have major data breaches (e.g. Target, Equifax) impacted carding? (Analysis of known incidents, lessons learned, and mitigations) How do scammers bypass security systems? (Examples of real attacks, system vulnerabilities) What mistakes do merchants make when facilitating carding? (Typical vulnerabilities, such as weak website security and lack of 3-D Secure) 6. Educational issues How is the payment system ecosystem structured in the context of combating carding? (The roles of issuing banks, acquirers, payment systems, and merchants) What card data is most valuable to carders? (Card number, CVV, magnetic stripe, EMV chips) How Can Users Protect Their Cards from Skimming? (Practical Tips for Cardholders) What are BIN attacks and how do they work? (Card number-based attacks, protection methods) 7. Specific technologies and methods How EMV technology work and why hasn't it completely eliminated carding? (Chip cards, their advantages and disadvantages) What is chargeback fraud and how can it be combated? (Return fraud, the role of TC40/SAFE) How geolocation help combat carding? (Comparing card and device location) What is Device Fingerprinting? (How is it used to detect fraud) 8. Questions about the future How can biometrics change the fight against carding? (Fingerprints, facial recognition, voice authentication) How are blockchain and cryptocurrencies impacting carding? (New challenges and opportunities for scammers) What new security standards are Visa and MasterCard developing? (Future technologies such as SRC – Secure Remote Commerce)