The Hacker's Encyclopedia 1998

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┌──────────────────┐ ╔═══════════════════════════════╗ ┌──────────────────┐ │ Founded By: │ ║ Network Information Access ║ │ Mother Earth BBS │ │ Guardian Of Time │─║ 23JUL90 ║─│ NUP:> DECnet │ │ Judge Dredd │ ║ Guardian Of Time ║ │Text File Archives│ └────────┬─────────┘ ║ File 42 ║ └─────────┬────────┘ │ ╚═══════════════════════════════╝ │ │ ╔═════════════════════════╗ │ └──────────────║ MPACT: Ordering Process ║──────────────┘ ╚═════════════════════════╝ ATM Card Ordering: How Is It Done? This particular ATM file, will be more detailed on the side of the Banks, and how the card is processed and ordered. There are certain steps that are done in order to get your ATM Card Request Form processed and Ready for ordering. This file is going off the BATCH PROCESSING method, if you do NOT know what batch processing is, then please find my other files and read up on it otherwise, you will/might be lost. Any questions concerning ATM's look for Guardian Of Time, at your local private BBS. I will be comming out with a few more ATM (NIA Updates), soon, correcting/going over what other people have wrote. I hope and feel that if you attempt to or perhaps want the upper hand in a discussion, that you will read the OLD files, see why they are OLD and then read mine, I will go over everything and all questions will be answered. I may be repeating some items that are discussed in other NIA/ATM files. But the only reason that they are being repeated is because that if I don't repeat myself you will not be able to follow, nor will you be able to understand ( assuming that you are NOT familiar at all w/ ATM's ). ORDERING You fill out the Card Request Form, MPACT has a few that they dump on their clients ( banks ) but for arguments sake I'll describe one below in the best way possible, by using Text Graphics ( No, No, Anything but that! ). MPACT CARD ORDER FORM FIRST NAME LAST NAME ADDRESS CITY STATE CHECKING ACCOUNT SAVINGS ACCOUNT ADDITONAL ACCOUNTS TO BE ACCESSED SIGNATURE SIGNATURE ( JOINT ACCOUNTS ) DATE PHONE # This is you basic form, on one side is the above the other side is what is below. PERSONAL IDENTIFICATION CODE ( or PIC ) ______ ______ ______ ______ Do not select 0000 or Q or Z Now the reason that you can NOT use straight zero's is because MPACT simply does not allow it, and the Q or Z dates back to the Telephone Days, you can NOT have a Q or Z on a Telephone IE, you don't have it on the ATM machine. The PIC is 4 digits and or Letters, you can make it whatever you want, most people, because they are stupid, ignorant, dumb, insanse, etc, make their 4 digit/alpha PIC code as SIMPLE AS POSSIBLE, they make it like 1234, their name, pet name, kids name, their Master Card #, their Visa # etc. You will find that no matter how many times you tell them to make it difficult, they are just plain dumb and stupid, ( and should be held responsible for it! ), they will make it easy. Because 4 digits/alpha is just to hard to remember. Once you have filled out the form you will then return it to either the teller or your ATM coordinator. Remember that person, for the ATM Coordinator, is the one that orders your cards and such. Banks have different ways of breaking up the ordering processing. : Filling Out The Card : Turning it in : Member Search to make sure Joe Blow is for real : Does Joe Blow fall into the appropriate Category for ordering cards : Does he have an ATM card now? : If NO Give new CIF number : If Yes Re-apply, give to ordering personal. : Order Card. : File record ( Order Form ). : Note Date, and verification forms. Thats about the simplest I can go, it could go real detailed, to real simple, some places don't care who you are, some do. Some banks charge money just to set up the card ( above process ), others do not. Some charge for Re-Ordering Of cards some do not. That is it for ordering the card, you should get some story about the services offered ( if not they are stupid people as well ), and you should be told that the card will be ordered with 2 days and you should get it within 3 to 4 days. PROCESSING OF ATM ORDER FORMS. The processing of the form is quite simple, I went over it already, you turn in your card, they look up your history, to see if you have had any bad ATM records, NSF (Bad Checks), etc, depending on your banks, level of processing. The form will then go to the ATM coordinator. He/she will then place your card for ordering. Once that is done it is time for Assing a CIF CIF NUMBER Central Information File: A nmber used to relate customer's accounts. This method of centralizing related accounts provides cardholders access to multiple accounts with one card. In English, this means the actual last 4 or 5 digits of your ATM card, every ATM card has what is called a CIF number, that number relfects, in essace, your account w/ MPACT, they can NOT find ONE THING with out that CIF #. Most assured though, your Account at your bank will have a notation of it somewhere, for your file must be sent each night to update it. MPACT CARD The actual MPACT CARD itself is quite the same as a credit card, for each of the numbers means something, and well, just so you won't feel left out, here are what the MPACT numbers mean. ┌─────────────────────────────┐ │ MPACT (TM) │ FRONT OF CARD │ 5912345678123456121 │ │ │ │ JUDGE DREDD MPACT │ └─────────────────────────────┘ ┌─────────────────────────────┐ │ [XXXXXXXXXXXXXXXXXXXXXX] │ BACK OF CARD │ AUTHORIZED SIGNATURE │ │ [______________________] │ │ PARAGRAPH STATING ABOUT │ │ RULES/LAWS CARD │ │ │ │ CIRUS/PULSE │ │ │ └─────────────────────────────┘ Sorry for the crapy text graphics, but I am no artist, so screw you if you think its bad. In reference the the Mpact card number ( 5912345678123456121 ), those numbers mean something, so here is the explanation: The first two digits ( 59 ), will always be a 59, which indicates that the card is indeed an MPACT card and that it is a DEBIT CARD. The next eight digits ( 12345678 ) represent your banks routing/transit number. This number is in essance your banks Account Number with Mpact, all transactions can be looked at by your Accounting Department in a second with that number. The next series of numbers ( 123456 ), indicate your CIF ( central Identification file ) number. This number is YOUR account number with MPACT. Your bank can do NOTHING without this number. So make sure that you have it with you at all times. Next set of numbers ( 12 ), is your GROUP NUMBER. Group numbers offers a simple way of giving out ATM cards with the SAME CIF number. Since if you DO send out the same ATM card w/ the SAME CIF number, you will in fact, cancel each other out, and both cards will work, but only have 0.00$ balances, and those are no fun. The last digit on the card ( 1 ), is your Revision Number. The revision number is somewhat like your group number. But this number is used in the re-ordering of lost/stolen cards ( which if they do that, people are just stupid, since it is MUCH easier to just re-issue another CIF number ). That was the front side of your ATM card, now, I will go over what is on the BACK side of the card. This part is what is considered the most IMPORTANT part of the whole card, for this is how the ATM machine READS your card, and knows that YOU are YOU. The Magnetic stripe contains three tracks for encoded information. Track one contains the customers name ( front of card ), track two contains all the infromation explained above ( the ENTIRE card number ). Track three is used for off-line capability, and since MPACT is on-line, the track is usless. Track One: JUDGE DREDD <- As it appears EXACTLY on the Front of the card Track Two: 5912345678123456121 <- The ENTIRE Card Number Track Three: Blank <- Usless There is of course that stupid signature card line. This line is just about as obselete as 300 baud modems are today. But rules are rules, and most merchants state that you must have a signature and it must be signed. The Information listed in the paragraph basically goes over some basic rules and such concerning your ATM card. Also if you FIND an ATM card, there is an address for which to send it to. That address is: MPACT FOUND CARD P O BOX 163189 IRVING, TX 75016 Also finally on the back of the card there may be some logo's ( NO not LEGOS LOGOS!! ), these too are just about useful as spitting in the wind. Why you ask? Because MPACT cards can be used in just about any ATM terminal. MPACT SIDE Ok, now for the part that most Mpact Coordinators Dredd (pun) the most. You must actually order a card. NOTE: 1] The card can have ANY name on it. Current Law states that the signature on the bottom of your APPLICATION is all the validation/verification to access your account. So throw out all of what you know about Cosigners/CoApplicants. Once you sign that bottom Signature ( MPACT CARD REQUEST FORM ), you can in essance, give me access to your account, even though I didn't sign your signature card. Neat Law ehh? 2] You can order just about as MANY cards as you want. Mpact system allows you to order two cards per shot ( as you will see later on ), but you can just state how many you want. Remember that banks treat the odering of cards in different ways, you might actually have to pay for the ordering of your card something like this routine, "Sir the card will cost you 3.00$ to oder." or "We would be happy to sign you up, there will be a 15.00$ processing fee to oder your card." So be careful when you oder your cards, BANKS will screw you any chance to $$$ from you, since we all know the S&L crissis they NEED the money. 3] The Processing is very quick ( must be done before 3:00pm later on that ). and you SHOULD get your card ( REMEMBER MPACT!! Not Pulse Not Cirrus ), in 5 working days, if you don't call your bank. Make sure that you are with MPACT though. 4] Ask your bank about Fraud/Theft Policy, and LISTEN to what they say. For if you lose your card and do NOT call your bank within 5 working days, ( Actually I believe its three ), and you do NOT report that your card has been lost/stolen and (heheheehe) someone withdrew money out of your account you will only get back 50.00$ nothing more nothing less. Even if they took out 250.00$, you would be out only 200.00$. Now the next few pages are going to be an example of what the MPACT system actually looks like. So you will get a feel for what your bank does to get your MPACT CARD. LOGGING INTO MPACT NETWORK As you may know or not know, part of ordering your MPACT card is done by dialing directly into their computer system and well here is the format of the system and the number to dial. 214/869-9310 Standard 2400 N81, using Telix 3.12, so you don't need any special program to dial into the network. As soon as you log on ( or when Telix returns to the user screen, you will get no prompts, and no signs, just start hitting your enter key, you will get what APPEARS to be line noise, it is NOT. You can sign on from those Garbled bits OR you can just keep hitting your enter key till you see the following: TYPE: USER ID: Once you are passed that part ( and I'm not going to spoil the young Hacker in you, YOU find your own way passed that part ), you will need to actually sign onto a network. MPACT allows many users to sign and modify records, order cards, delete cards, I am not at this time aware what TYPE of computer system they run off of, but if anyone finds out, please send me an update, and I'll write about or you can write about it. Now the actual sign format is this: /SON,xxx,xxxx,xxx,xxxx (Enter) Control-z SIGN ON IN PROCESS/TERMINAL SIGNED ONTO RBS SYSTEM /SON := Sign On xxx := All Mpact Accounts are assigned an RB #. Used in reports/files xxxx := User Identification xxx := User Password xxxx := MPACT Bank Number. All banks are assigned a number. You can not use your enter key, you are not a Bulletin Board, so remember this clue, EVERY command is entered by pressing CONTROL Z not by pressing RETURN. Once you get the correct format ( have fun ), you are now signed on, but you can not modify anything, unless you are in INPUT MODE. BTW, If you mess up on the PW option this is the answer you'll get: SON NOT COMPLETED - ERROR DETECTED SON MESSAGE CONTAINS INVALID DATA IN THE FOLLOWING FIELD: PASSWORD MESSAGE EDITING ERROR THE MESSAGE IN ERROR IS xxx,xxx,xxxxx,xx,xxxx Input Mode is the ability to modify initial entires and make changes to existing information. ENTRY CODE: HA (enter) CONTROL-Z INPUT MODE ENTERED (Response) You are now ready and able, to process cards, delete cards at your will. ODERING CARD When ordering MPACT cards there is an explicit procedure to doing it, and you if you don't follow their format, you will NOT be able to order cards. Let me stress this, their system does not KNOW what ACCOUNT number is or can be tied to a card. So in all truthfulness if you are good pals with the MPACT coordinator and you feel the urge to jack with peoples accounts, you can have your mpact card tied to someone elses account, with drawl the funds, then change the account back or kill the card and then your problem is erased. Mpact does NOT keep any records, at least as far as I know, so in theory or in practice, if you can erase the reports, and trash all the printouts after 5 days the records has been permanetly erased ( MPACT THAT IS BAD NEWS FOR YOU ). DA (^Z) (Odering A Card) GP 00 CD WL 01 PRI DDA 123 PRI SAV 123 NAME 1 Judge Dredd/// NAME 2 ADDR Anywhere address ADDR any town, st zipcode CIF <- This is the number that you need when you call your Mpact Coordinator Remember up above the Text Graphics of the Mpact Card, remember the numbers 123456, well this is your identification number that MPACT uses to keep track of you and such. This number is your ACCOUNT NUMBER with Mpact. GP <- Group Code, a Group Number is a number that can be used to INCREASE your Mpact Numbers by 99 ( 123456 99 times over ), also if your card has been lost/stolen this is used in captured it, if you have a member who has a card, reports it lost, you can change the GP Number and the next person that tries to ues that card will get it captured. Why? Because the Group doesn't MATCH what was printed on the BACK of your Card, remember the magnetic strip?? CD <- Different Letter Combinations here, will cause different results. For ADDITIONAL card orders the card (AA) goes here or if you are UN-deleting a CIF number (FF) goes here as well. WL <- Withdrawl Limit. This code can give you an extremely HIGH limit on your MPACT card. Like saying you have a 5k Credit Card. Most businesses keep their limits low, around 250.00$ but with a number you can increase that with NO problem. PRI DDA <- This is what they call your Checking Account. This is WHERE you can tell how you can tie different cards to different accounts. All you have to do is put in ANY NUMBER that is a REAL Account Number on your Banks Side, and presto, instant Access To that Accounts Money. PRI SAV <- Exact same thing as above, you can have the same number, different numbers or a DEAD number ( MPACT DOES NOT KNOW IF A PARTICULAR NUMBER EXISTS ON YOUR SIDE OR NOT ). This trick is handy for when you want to order all your friends CARDS with their handles on it. Impressive Too...hehehe The rest you should figure out quite easily: name address city state zip Doesn't take much of a brain to recognize that. One thing on the NAME though, Mpact, can NOT use hyphens, apostrophys, dashes and such and such so for instance: Judge S. Dredd <- JUDGE S DREDD/// Mr. Judge S. Dredd <- MR JUDGE S DREDD/// Judge Dredd O'Bryan <- JUDGE DREDD OBRYAN/// You get the idea, also the NAME must END with 3 slashes ( one with the Question mark on it ), this tells MPACT that the name is finished. Once you enter all the cards that you wish to order, you must then enter in their PIC number or their Personal Identification Code. Some places call it their PIN or Personal Identification Number. They both mean the same thing. You see, if you don't do thier Pics the Card will be dead and usless. The member would then have to mail in their ENCRYPED version and that sucks. DJ (^Z) CIF GP PIN 001933 00 1234 008898 00 NIA1 009999 00 9999 Just as an example, you can enter in ANY PIN number, but just as long as you match it up with the correct CIF NUMBER. If you do not, the result ( obviously ), is that the WRONG CIF ( aka MPACT CARD ) is assigned the WRONG PW. DELETING CARD DA(^Z) CIF 123456 GP 00 CD WL 01 PRI DDA DELETE(ENTER) You would do that with EACH and every card. MPACT shows 2 Sets per screen. So you can ONLY delete 2 at a time ( which sucks in my opinion ). Once you deleted the cards you MUST turn off the 'R' Flag: DD(^Z) CIF 123456 GP 00 ACCOUNT DDA OR SAV You must TURN OFF the flag or else it will keep kicking out on your reports and you don't want this, for it is QUITE annoying to keep on chasing dead cards. WHEN YOU GET YOUR MPACT CARD When you receive your MPACT card in the mail, you should have a ton of propoganda, well this is just for your spare time, nothing of use or interest is there. You do however have your MPACT CARD and a strange looking card that mumbles about entering your pic or not? Some banks automatically set you up for a card and mail it to you. Some banks do not. If you happen to be on the automatic system you would probably have to send in a card to activate your pic. If so, you have what is known as an encrypted cif. The cif has been converted over to a 5 or 6 letter password, almost like how Unix does with their passwords. So you would have to send it in cause if you don't your card would be dead and then every time you tried to use your card it would probably bable about you needing to contact your financial institution or your card will just get captured, since in essance it is not a real card yet. SPEC 20 BOOKLET What is this? This is a book that MPACT generates at your request ( costs around 30.00$ for a copy ). This book is handy only for the fact that it shows EVERY one of your card holders: CIF GP SUB SYSTEM ACCOUNT TYPE DISPLAY PC STATUS 123456 00 1 OR 2 12345 01 OR 02 PRIMARY ACTIVE OR INACTIVE Nothing to special about this line above, you can tell the card number, what group its in, Checking/Savings, Account #, Primary or Alternate, then verbaly telling you, and then to see if you card is active or not. Not to difficult. If you can find one of these books, you can commit a bit of fraud, by finding one of the INACTIVE accounts, walking in or mailing into the bank an ATM CARD REQUEST FORM, and instead of sending it to the real address, just put a note on there to send it to your New Address. Most people will not catch it or most will not care. So you could possibly get a card ordered and mailed to anywhere you would like. Just as long as you know the sequence of how they validate/order cards. Like I mentioned earlier some banks are VERY easy on making a request, and some are VERY difficult ( like making you fill out a CREDIT application for a DEBIT card! ). The SPEC20 book is in two sections. One comes in Account Order sequence and another comes in CIF Order sequence. Here is a tip. If you are looking at your Account Order Sequence, remember this the LOWER the account number the OLDER the person is and consequently the HIGHER the account number the NEW and/or YOUNGER the person. Now this is NOT always true, but if you are planning a scam, you should KNOW how the banks Account Number structure is set up ( do they assign accounts by 10's, 1's or by giving each person 10 Accounts to play with ie: you open up account number 200 you can then open up accounts 201-209 for your personal enjoyment ), anyways you can do a bit of detective work and find out how their numbering system works, then you can figure out where the MAJORITY of the OLDER MEMBERS are at. With that bit of knowledge you can then bluff your way or know NOT to use that account. Why would you not want to? Here is a reason why "My name is Judge Dredd and you had BETTER know who I am, BTW do you KNOW who I am??" People have lost more jobs because of this. Banking is a bitchy job and people are real assholes. But anyways, you get the idea. With the Spec20 Book you can attempt to bluff your way into getting your OWN MPACT Card. MPACT HELP DESK Mpact has a service, that is called their HELP DESK. The help desk is very active and very FRIENDLY. You will need to practice some patience when contacting them for they don't KNOW you but according to MPACT LAW, they should ONLY talk to the MPACT CORRDINATOR but if you whine a bit, you can get them to talk to you. But anyways this Help Desk is used for when you have any types of Problems with Mpact, also you can open calls and stuff. This is where you can also order your SPEC 20 BOOK from. If your smart enough you can bluff your way and get them to send you a booklet to you. 1-800-523-7228. That is the help desk number. When you call, don't be a dick 'cause these people are NOT stupid. Easy to bluff MAYBE, STUPID no. MPACT COVEREAGE Coverage on the ATM Machines is 24 hours a day and 365 days a year. This means that if your banks ATM machine goes down, the machine sends a signal to MPACT and the MPACT HELP DESK will give you a call. Now they can call you several ways. You can be called by a real person or by a beeper. Once you are "paged" you call the 1-800 ( its another # and I can't think of it right off the top of my head ), and they will tell you what the problem is. Sometimes the problem are simple and sometimes they are major. But generally you have to go OUT to the machine, so if you can get the machine to go "down" then time how long it takes the person to come out there. You can then get around to figuring out your time lag between the machine and time the person arrives. MPACT LOCATIONS Dial this number 1-800-526-7228 and listen to the phone system. If you can't figure out what to do then contact your local BBS board and find someone who can help you. NIA UPDATE/INTRODUCTION: 713: Sir Garlon - Welcome back to the living!! The Veiled Society is Back! 713: The Micron - Man has some shit been hitting the fans lately? 818: Mallorean - Good luck with 950. Well guys that is for ATM's for awhile, if you have ANY comments, questions suggestions, etc, please give Mother Earth a call. We will be GLAD to try and help you out. Also we would LIKE to see some people write some files and send it to us, so please write up some files and get them to NIA and we will review it and put it up if its good. If no it will be added to the correct sub board. END OF NIA FILE #042 [OTHER WORLD BBS]