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Credit Card Dumps

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
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 it is the track developed by the banking industry and it is 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:

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 ?
Track 3 is virtually unused by the major world wide networks. It was developed by Thrift Saving Industry. Point Of Sales (POS) will not read this track.

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
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 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
So, your card magnetic strip or/and chip contain all the information to access and operate your bank account. If someone copied your card magnetic strip, that person can use an machine called MSR, magnetic strip reader-writer and write the data from your card in an other card and use the clone as the genuine card. If you think that 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 card in a compromised POS is all the cards need to get the data from your card and so the access to you account. So you should always pay attention when you make a payment with the card.

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