The Hacker's Encyclopedia 1998

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<><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><> < > < The United Phreaker's Incorporated Proudly Presents > < > < Carding For Benfit And Profit > < > < By: Shadow Knight > < > < An Upi Production 1990 > < > <><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><> DISCLAIMER ______________________________________________________________________________ The following is some information on an illegal activity, carding. UPi or Shadow Knight is not responsible for what happens to you if you try it. We do not intend for the reader to use any information contained herein. This file is strictly for informational purposes. ______________________________________________________________________________ First off, there are many types of credit cards. But the main ones we will be discussing are American Express, Discover, Mastercard, and Visa. These four are the largest and most widely used types. My personal favorite is the Discover card, since the company is a real loser. It is best for the beginner to start out with Discover, then move to American Express, then to Mastercard, and finally Visa. The first thing you have to do is to find a credit card number (we will be refering to them as CCNs). There are several different ways of going about this, which will be discussed later in this file. The way you can tell the cards apart are the first digit of the CCN. Digit Type of Card ------- ------------ 3 American Express 4 Visa 5 Mastercard 6 Discover Now that you know the first digit of the card you want you need the different CCN formats. They are listed below. American Express 3xxx-xxxxxx-xxxxx Visa 4xxx-xxxx-xxxx-xxxx or 4xxx-xxx-xxx-xxx Citibank Visa, which is by far the most popular is 4128-xxx-xxx-xxx Mastercard 5xxx-xxxx-xxxx-xxxx The type of Mastercard I use is Citibank which is 5424-xxxx-xxxx-xxxx Discover 6xxx-xxxx-xxxx-xxxx There are a number of ways through which you can get CCNs. They are listed below in order of easiest method to hardest method. 1) Go for a little swim. That is, in a big dumpster. This is called trashing. Go in back of department store or anywhere that accepts credit cards and jump in. But make sure it's not at a mall, or someone might see you and contact the police. When you've found the perfect dumpster, just dive right in. Just look around for carbons. You know, the things that the salesperson throws away after a credit card purchase. If anyone sees you, just pretend you're a bum. Or if that won't work, pretend you're looking for your baseball that flew in. Once you find these, (and making sure you don't rip them) put them in your cap, or somewhere where they won't fall out, and just calmly go home. Now comes the easy part. You just copy down everything important. The CCN, Expiration date, and Name. Then you rip it up into shreds and burn them. Now there is no way you can get caught unless you're a REAL idiot. 2) If you have a friend (it's better if it's a fellow pirate) that works in a store which performs credit card transactions, you might save yourself the trouble of trashing and ask him if he doesn't mind slipping some carbons into a bag after they ring up a sale. If he won't, bribe by saying you'll get him something too. Carbons ______________________________________ | (1) (2) | | (3) (4) | | (5) | | | |____________________________________| (1) The Account Number. This is the most important thing on a Credit Card. (2) The Expiration date for Visa or Mastercard (3) The Expiration date for Visa or Mastercard (4) The Expiration date for American Express (5) The Card Holder's name. The name is not very important but it is good to have. 3) If are really advanced, you can use a credit card formula, several do exist. If you're good at math and patterns, you should be able to figure out at least one formula. Once you have a newly formulated or newly found Credit Card, you have to first check to see if it is still valid before you try to use it. The easiest way I know of, is 1-800-554-2265. But after you enter something you must enter a pound. Just look at the example if you're confused. You must first, of course, dial 1-800-554-2265. Then it should say "Enter type". Number Card Type ------ --------- 10# Mastercard 20# Visa 30# American Express Then it will ask you for "Bank identification". Just enter 1067#. Now it will request a Merchant Number. Enter either 24# or 52#. Either one should work. Now it will ask you for the card number. Enter it in with a # sign following it. Then it will ask for the expiration date. Enter it with a # sign following it. And last, but not least, it will ask for the amount. This is a little trickier. Look at the examples. If you still don't understand it, then you're dumb, and you shouldn't be trying to card. For $100.25 you enter 100*25#. For $1,532.67 you enter 1532*67#. Got it? Good. Now the moment of truth comes. In the next few seconds the computer will say Approved or Declined. Yes or No. Light or Dark. If it's approved, pat yourself on the back. If not, too bad. Go look for another one. * SPECIAL NOTE * In Canada dial 416-785-3222 for Visa credit checks or dial 1-800-268-2439 for Mastercard credit checks. For a Visa credit check in Canada, you first dial the authorization center and a operator will answer. Then you will be ask for the card number, amount of purchase, merchant # and expiry date. If the card is good then she'll tell you the authorization number. If the card is invalid then she'll say that the number was invalid. For a Mastercard credit check in Canada, you first dial the authorization center and a automated computer will answer. It will ask you if you want it in French or English, so if you want English punch in 1, or if you want French punch in 2. Next it will ask you for the "Credit Card Number". Just punch in the Mastercard number and the press the # sign following the number. Next it will ask you for the "Amount In Dollars Only", so press in the amount and then the # sign following it. Next it will ask for a "Merchant #", this can be skipped by just pressing the # sign. After that it will ask for a "Expiry Number". Punch the expiry number in and press a # sign following it, if you made a mistake punching in the amount, then from here you press 2 and change the amount of the purachse. After all that it will come back and if it's valid, it will tell you an authorization number, otherwise it will say that the number was invalid. If the amount is too high, then it will tell you to hold on for an operator. And then the operator will verify the card for you. *************************************************************************** ONE NOTE: IF A CARD HAS $5000 AND YOU VERIFY IT FOR $3000 DOLLARS, YOU CAN ONLY VERIFY IT FOR $2000 MORE. ANOTHER EXAMPLE IS IF THE CARD HAS $3000 AND YOU VERIFY IT FOR $1250, THE CARD CAN BE VERIFIED $1750 MORE BEFORE IT WILL SAY DECLINED. **************************************************************************** Now for the hardest part of all, purchasing merchandise with your newly verified CCN. You will probably want some computer equipment, knowing that that's what most people want. And be sure to read this entire file before attempting to card something. If you don't, you might get caught and spend ten years in jail and never be able to get another decent job again, just because you didn't listen to me and read this entire file. Now that I have your attention, we must lay down some rules for ordering merchandise to insure your safety. 1) Always go to a pay phone. 2) Never give out your real name. 3) Or your address and telephone number. 4) Plan out the drop site and the fake number. I use the busiest PD board there is. 5) Sound calm. Remember, they can't do anything to you. 6) If they get suspicious, just keep sticking to the same story. A consistent lie is better than a inconsistent truth. Where should I ask them to ship it to? This is a common question. The best place to have the merchandise shipped to is an abandoned house. The sites where you want them shipped are called drop sites. Jot down this address. Now that we have set those rules, we now have to call a store. Make sure it is a small store, for they don't have the card checking techniques the bigger ones do. Now when they ask you your name and stuff like that, just give them the fake ones, without hesitation!! If you hesitate then they might get suspicious. Even spell it out for them. And try to be friendly. Don't sound nervous or anything. Now if they are online to credit bureaus suck as CBI or TRW then make up an excuse, like have your friend threaten you in the background (or something). If they are online with CBI or TRW they can verify everything in just a couple of minutes. Now if they aren't then you're in luck. Now when they ask for a number, give them the number you have ready. Bullshit your way through. If they aren't online, they can't verify really anything but that the CCN is valid and there is enough credit to pay for the merchandise. I wouldn't suggest making a business out of this, either. Sure, if you want to get a few dollars for things you order (and that you don't want anymore) sell it and keep the money. It wouldn't be all that great to go to jail for ten years and never get another decent job in your whole entire stinking life, just because someone you don't even know, wanted a bigger hard drive for $100? Yeah, you know I have a good point there. Well, the truth is that the only people that should really even make deals are the people with lots of experience. And now how to card Travelers Checks. These are alot easier than what I just talked about. All you gotta do is call 1-800-777-7337 and use an American Express card and ship it to your drop site. Now just go to another country and spend away. Have fun. Now for the most dangerous way of carding, by far. In person carding. But you get the stuff really quick. Now you need a fake name again. This time you need two. Your dad and a son. Lets say your name is Robert Armstrong. Look at the example. "Hello, Computers for less, how may I help you?" "Yes, this is Robert Armstrong calling from California (or somewhere across the country). My son, Mike, needs an Apple II. It says here in your ad that you sell them for such and such. I would like to place an order for one." "OK. And how will you be paying for this?" "Visa." "OK. Number?" "4xxx-xxxx-xxxx-xxxx." "OK, thank you. Now how do you want this shipped?" "Well, since my son is going to college right next to you, I thought I could send him to go pick it up." "Oh, OK. Sure. Do you want us to call your son to notify him?" "No, that's ok. He's supposed to call in a couple of minutes. He always calls me at 5:00PM every Friday. I can't wait to hear what he says when he hears what I got him. When can he go pick it up?" "Anytime." "Ok, thank you. "Thank you for ordering from Computers for Less." <CLICK> Now comes the most dangerous part. Go to the store, park your car where none of the employees can see it. Now go in and state your fake name and what you are there to pick up. In Mike's case... "Hello. I'm here to pick up an Apple II my dad bought for me." "OK, sure. Mike Armstrong?" "Yes, that's me." "Ok, wait. We'll bring it up right now." "Thank you." "Well, here you are." <TAKE> "OK, Thank you." "No problem. Thank you for ordering from Computers for Less." Now just walk over to your car and drive off. I wouldn't really recommend this method, but if you're desperate, try it. Now if they get suspisious, don't get nervous. Just start complaining. Say like "My dad paid good money for this system and now you won't give it to me?" If they still won't give it to you, then say, "Ok, I'll come tommorrow. But if it isn't ready tommorow I'm going to tell my dad to get a refund." Then walk out really pissed looking and never go back. They were probably setting up a trap for you. Better safe than sorry. Now I'll explain what happens to the unlucky guy. The guy's CCN you used of course. Now let's pretend this unfortunate soul's name is John Doe. At the end of the month, John Doe gets his Visa bill from the bank's credit card department. Among the things on his bill he notices a VGA card and monitor. John Doe then calls his bank and starts cussing them out and asking where the fuck did they get the VGA card and monitor from. Then the bank should send him a xerox copy of the original reciept, showing when it was bought and where it was sent to, and the second is an affidiate. This is a formal document saying that you did not make the purchase, you do not know who did, and did not authorize this purchase. It must be signed by him and then brought to the bank and signed by a notary public and have the bank's stamp on it. From there the bank can either go to their insurance agent or Visa, depending on who they have a deal with, and be paid for the carded stuff. Then John Doe must cut his cards in half and send them to the bank. After he has done that, he is re-issued new cards with a new CCN. That's about it. I hope I've covered everything. If I haven't just E-mail me somewhere and tell me. You may distrubute this file freely but may not change any part of this file in whole or part without the written or verbal concent of the author. =============================================================================== Call These Great Upi Boards! =============================================================================== Node Number Board Name Sysop Baud =============================================================================== Hq 416-Upi-Home The Northern Phreaker's Alliance The Lost Avenger 24 1 416-Upi-Nde1 The Shining Realm FrosT BitE 24 2 515-Upi-Nde2 Paranor Demon Asmodeus 24 3 305-Upi-Nde3 Ferrari Mr. Ferrari 38.4 4 416-Upi-Nde4 Time Zone Destoryer 38.4 5 716-Upi-Nde5 The Knight's Society Jeff Knight 24 6 408-Upi-Nde6 The Unholy Temple Black Death 24 7 031-Upi-Nde7 Rebel Box (Netherlands) Mr.Miracle 24 8 213-Upi-Nde8 The Drop Site N Sult 24 =============================================================================== 04-29-90/010 Copywrite 1990 By The Lost Avenger-All Rights Reserved Downloaded From P-80 International Information Systems 304-744-2253 12yrs+