Skimmer is just one of the ways that attackers resort to make fake cards and reset other people's accounts. The production and use of counterfeit plastic cards (carding) has turned in recent years into a large-scale international business: its annual turnover accounts for 0.04-1% of the world volume of payment card transactions.
Carders copy credit cards with different equipment. Then they put them up for sale. Buy credit card online can be very easy in two or three clicks you need to pay with cryptocurrency.
Stealing money with the help of fake plastic cards consists of several stages. The first and most difficult is related to the extraction of information necessary for the manufacture of the map. It is impossible to make a fake without knowing the dump of the card - the data encoded on its magnetic stripe (the name of the holder, the card number, its validity period, as well as the encoded service information). According to estimates of the ex-hacker, known among carders as Neron, in the West, 70% of this information fraudsters receive from the banks themselves, 5-10% - through special readers (skimmers) installed on ATMs. Another source of information leakage is cafes, restaurants, hotels and other institutions that accept payment cards. Buy credit card online is necessary for those people who want to earn very fast .
Having collected the necessary information, the scammers proceed to the manufacture of a fake. To do this, use an encoder device, with which you can not only read the magnetic stripe data and save them, but also overwrite to another card. It can be bought in Kiev online stores for only $ 300-500.
As a rule, attackers who have a pin code of the card, put the stolen details on another payment or discount card or on an empty plastic blank with a magnetic stripe (they are called white cards, and they are on the market from $ 0.1). With the help of "white" plastic, money can be withdrawn only from ATMs. To reset someone else's card without having its pin code, the carder asks a friend to open several debit cards, after which he orders a fake passport (cost $ 600-1200) or a driver's license ($ 200) in his name on carder forums. With the help of an encoder, he applies the purchased dump to the magnetic strip of one of the debit cards, and then uses it for purchases. It happens that people mistake their choice and they have to buy credit card online through fraudulent stores, so they lose money.
Theft Without Borders
In the process of making fake cards, dozens of performers responsible for a certain area of work are involved. "Only the top of the carder group should have special knowledge and high qualifications," says the ex-hacker. "The rest of the work is very simple, everyone can master it."
The world's first-tier fraudulent groups, as a rule, control all stages, from stealing card dumps to withdrawing money. They necessarily have their own informants among employees of foreign banks, stealing data of magnetic stripes, as well as specialists who own the technology of calculating pin codes. Buy credit card online can be with or without balance cards without balance are their owners order long and with a balance is a one-time card that people cash out and throw away.
The leaders of the group and their informants earn money by selling data to scammers who issue fake cards and withdraw money with their help. The cost of data of the magnetic stripe of the card with a decrypted pin code reaches $ 300-400. Annual sales of card details reach $ 30-40 million Network of "tenants" scattered around the world and, as a rule, consists of several hundred people who get the money stolen through ATMs. Two years ago, an average of $ 3,000 could be edded from one card at a time, now it is about $ 1,000.
Carder organizations of the second echelon do not have access to banking information, so they are forced to look for other ways to obtain card details. Form a network of informants from among the staff of hotels, restaurants, cafes, outlets that accept plastic cards for payment. Especially a lot of assistants are recruited in resort towns with a large turnover of tourists. Informants are provided with the necessary equipment for work and taught the rules of use.