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CARDING & HACKING
Beginners Questions
Bank cards [lecture, 2023]
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<blockquote data-quote="Skyworld" data-source="post: 155" data-attributes="member: 14"><p>(20:08:16) Pustota: There used to be a lot of bins with a 3ds password reset, according to dob, zip (data that made their way through open sources) now I'm talking about Europe and England, at the moment, as I said, there are fewer such bins, but it's real to find them, I would start with England and Italy, but it's subjective. At the moment, many have already left this, and now either sms or 2FA tokens (like 2FA Google apps) But if there is an SMS, then there are options, and in the world already from 2017-2018 they are trumpeting that it is necessary to refuse confirmation by phone number, so it is likely that in 2-3 years a lot of banks will switch to tokens.</p><p></p><p>(20:09:10) Pustota: But if there is an SMS, then there are options, and in the world already from 2017-2018 they are trumpeting that it is necessary to refuse confirmation by phone number, so it is likely that in 2-3 years a lot of banks will switch to tokens.</p><p></p><p>(20:10:03) Pustota: Here's what the 3ds window looks like and the principles of protection for the eu:</p><p>[MEDIA=imgur]sPtppIJ[/MEDIA]</p><p>[MEDIA=imgur]RE6sSVJ[/MEDIA]</p><p>[MEDIA=imgur]9HucXFO[/MEDIA]</p><p>[MEDIA=imgur]s9liWkc[/MEDIA]</p><p></p><p>(20:10:17) Pustota: And here, after entering the 3ds code, it additionally requested the account number [MEDIA=imgur]vAMZB6S[/MEDIA]</p><p></p><p>(20:11:12) Pustota: Methods of working with the EU mat will be given to you at lectures on hotels and air travel, because all these directions are very tightly interconnected. A little trick to determine the presence of 3ds at the store, you need to take a card that has this protection installed and conduct a transaction, preferably not typical so that auto3ds does not work, so you can go through the lists of shops, or find out which merchant the shop has and read the documentation on their official website.(20:11:56) Pustota: Also, when working with European cards in America, it is worth checking with the support whether they have the opportunity to pay with cards from other countries. Because if the transaction goes further, the bank may not miss it and only a ring will save it there. Therefore, we communicate with support.</p><p></p><p>(20:12:25) Pustota: If we talk about other nonUSA countries, we can distinguish the following: These are Latin America, the European Union, the CIS, Asia, Australia, Africa.</p><p></p><p>(20:13:07) Pustota: You can also highlight the Arab countries and India, England (note. the lecture was previously about Europe and Asia, but I decided to include the whole world, but in fairness I will say that I worked mainly on the USA/eu/Asia). You should look up information about regions on the Internet. There may be different situations in countries, influence, etc. Simply put, you need to be able to use Google. <a href="https://habr.com/ru/sandbox/46956/" target="_blank">https://habr.com/ru/sandbox/46956/</a></p><p></p><p>(20:14:14) Pustota: As I wrote above, I mainly worked with yusa /eu /Asia, so these areas will be analyzed in more detail, in other regions +- the same situation as in EU and Asia</p><p></p><p>(20:14:20) Pustota: Let's talk a little about the types and levels of CC</p><p></p><p>(20:15:28) Pustota: Credit (Credit) - a card on which you can spend borrowed funds, i.e. without having your own money on the account. Moreover, US cards on credit cards often do not have such a thing as a positive balance at all - you can only spend credit funds on them and repay the loan. The higher the KX Credit Score, the greater the credit limits the bank gives. I would like to draw your attention to the fact that if you want to call the bank on such a card, or fill up and find out the balance, then the really available funds for spending the day will not be account balance, but available credit</p><p></p><p>(20:16:00) Pustota: Debit is a card that is linked to a bank account (account) and is a kind of key to a bank account for the convenience of everyday payments (obviously, as a method of making payments, bank accounts are not as convenient as cards). Funds are debited from debits only within the current balance on the BA (bank account)</p><p></p><p>(20:17:02) Pustota: Prepaid card with a prepaid amount - a smart card that stores electronic money deposited there in advance by the cardholder. In use, they are similar to debit cards, but unlike them they are not associated with bank accounts. They are often found in payment systems like Payoneer, etc. Some merchants refuse to work with prepaid cards. I note that this is the worst option for work, except for cases when you clearly know the properties of such a bean, how to work with it and what to do</p><p></p><p>(20:18:44) Pustota: As for the card levels, there are a lot of them and they are different for different banks and payment systems. 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. On the one hand, higher-level cards indicate a higher status of the owner and potentially there may be more money on them than on lower-level cards. However, in practice this is not always the case - for example, in my arsenal there are Classic beans, which always have a lot of available funds, their holders are mostly active and such cards allow you to write off large amounts. On the other hand, there are Platinum beans, on which, on average, there is little money and it turns out with a creak to write off transactions from them, and often it is impossible at all because of ubiquitous limits and evil bank fraud.</p><p></p><p>(20:19:18) Pustota: Thus, I want to dispel the popular myth that it is worth trying to take cards of higher levels - often, this is far from the case (at least when working with US cards. In the case of EU cards, the use of Gold and higher level cards is justified and really shows statistically better results). 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 why. To do this, we will consider in detail the entire kitchen that occurs when paying with a card and is hidden from the eyes of the layman.(20:19:34) Pustota: The process of paying with a bank card on the Internet is not as simple as it seems at first glance. Let's say you make a payment in an online store</p><p></p><p>(20:22:04) Pustota: Let's analyze the main participants in the payment process:</p><p></p><p>- KX: cardholder, the owner of the card with which the payment is made;</p></blockquote><p></p>
[QUOTE="Skyworld, post: 155, member: 14"] (20:08:16) Pustota: There used to be a lot of bins with a 3ds password reset, according to dob, zip (data that made their way through open sources) now I'm talking about Europe and England, at the moment, as I said, there are fewer such bins, but it's real to find them, I would start with England and Italy, but it's subjective. At the moment, many have already left this, and now either sms or 2FA tokens (like 2FA Google apps) But if there is an SMS, then there are options, and in the world already from 2017-2018 they are trumpeting that it is necessary to refuse confirmation by phone number, so it is likely that in 2-3 years a lot of banks will switch to tokens. (20:09:10) Pustota: But if there is an SMS, then there are options, and in the world already from 2017-2018 they are trumpeting that it is necessary to refuse confirmation by phone number, so it is likely that in 2-3 years a lot of banks will switch to tokens. (20:10:03) Pustota: Here's what the 3ds window looks like and the principles of protection for the eu: [MEDIA=imgur]sPtppIJ[/MEDIA] [MEDIA=imgur]RE6sSVJ[/MEDIA] [MEDIA=imgur]9HucXFO[/MEDIA] [MEDIA=imgur]s9liWkc[/MEDIA] (20:10:17) Pustota: And here, after entering the 3ds code, it additionally requested the account number [MEDIA=imgur]vAMZB6S[/MEDIA] (20:11:12) Pustota: Methods of working with the EU mat will be given to you at lectures on hotels and air travel, because all these directions are very tightly interconnected. A little trick to determine the presence of 3ds at the store, you need to take a card that has this protection installed and conduct a transaction, preferably not typical so that auto3ds does not work, so you can go through the lists of shops, or find out which merchant the shop has and read the documentation on their official website.(20:11:56) Pustota: Also, when working with European cards in America, it is worth checking with the support whether they have the opportunity to pay with cards from other countries. Because if the transaction goes further, the bank may not miss it and only a ring will save it there. Therefore, we communicate with support. (20:12:25) Pustota: If we talk about other nonUSA countries, we can distinguish the following: These are Latin America, the European Union, the CIS, Asia, Australia, Africa. (20:13:07) Pustota: You can also highlight the Arab countries and India, England (note. the lecture was previously about Europe and Asia, but I decided to include the whole world, but in fairness I will say that I worked mainly on the USA/eu/Asia). You should look up information about regions on the Internet. There may be different situations in countries, influence, etc. Simply put, you need to be able to use Google. [URL]https://habr.com/ru/sandbox/46956/[/URL] (20:14:14) Pustota: As I wrote above, I mainly worked with yusa /eu /Asia, so these areas will be analyzed in more detail, in other regions +- the same situation as in EU and Asia (20:14:20) Pustota: Let's talk a little about the types and levels of CC (20:15:28) Pustota: Credit (Credit) - a card on which you can spend borrowed funds, i.e. without having your own money on the account. Moreover, US cards on credit cards often do not have such a thing as a positive balance at all - you can only spend credit funds on them and repay the loan. The higher the KX Credit Score, the greater the credit limits the bank gives. I would like to draw your attention to the fact that if you want to call the bank on such a card, or fill up and find out the balance, then the really available funds for spending the day will not be account balance, but available credit (20:16:00) Pustota: Debit is a card that is linked to a bank account (account) and is a kind of key to a bank account for the convenience of everyday payments (obviously, as a method of making payments, bank accounts are not as convenient as cards). Funds are debited from debits only within the current balance on the BA (bank account) (20:17:02) Pustota: Prepaid card with a prepaid amount - a smart card that stores electronic money deposited there in advance by the cardholder. In use, they are similar to debit cards, but unlike them they are not associated with bank accounts. They are often found in payment systems like Payoneer, etc. Some merchants refuse to work with prepaid cards. I note that this is the worst option for work, except for cases when you clearly know the properties of such a bean, how to work with it and what to do (20:18:44) Pustota: As for the card levels, there are a lot of them and they are different for different banks and payment systems. 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. On the one hand, higher-level cards indicate a higher status of the owner and potentially there may be more money on them than on lower-level cards. However, in practice this is not always the case - for example, in my arsenal there are Classic beans, which always have a lot of available funds, their holders are mostly active and such cards allow you to write off large amounts. On the other hand, there are Platinum beans, on which, on average, there is little money and it turns out with a creak to write off transactions from them, and often it is impossible at all because of ubiquitous limits and evil bank fraud. (20:19:18) Pustota: Thus, I want to dispel the popular myth that it is worth trying to take cards of higher levels - often, this is far from the case (at least when working with US cards. In the case of EU cards, the use of Gold and higher level cards is justified and really shows statistically better results). 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 why. To do this, we will consider in detail the entire kitchen that occurs when paying with a card and is hidden from the eyes of the layman.(20:19:34) Pustota: The process of paying with a bank card on the Internet is not as simple as it seems at first glance. Let's say you make a payment in an online store (20:22:04) Pustota: Let's analyze the main participants in the payment process: - KX: cardholder, the owner of the card with which the payment is made; [/QUOTE]
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