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Krackmaster's info on calling/credit cards
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Dissecting Credit and Calling Cards
!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
by
Krackmaster
7/27/91
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DISCLAIMER:
I wrote this file not to encourage carding, frauding, or any other illegal activities. This file isncover secrets the world of credit/calling cards to help you understand it not to abuse it. Ti sfriformational purposes only!
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Credit cards are used everyday by millions of people all over the world but very few people even knhing about it. This file will try to explain to you the various types of cards and its structr.
First of all, there are different types of cards, but I will break them down into 2 categories. Th are credit cards. These are cards such as Visa, American Express, Diners, etc. The others aecligcrds. Within this category are CIID, BOC, and Corporate cards.
Credit Cards
------------
One of the most common credit cards are the Visa cards. It will always start with a 4 and will be 13 or 16 digits. These are the formats: 4xxx xxx xxx xxxx or 4xxx xxxx xxxx xxxx. The last dgti h hecksum digit. The expiration dates are usually no more than 2 years in the future. Ifyo lokonyor ard, you will see a cv or pv next to the date. The cv means that this is a commoncar bu th pvmeas yu are a preferred customer. Also, there will be the first 4 digits of your ard umbe somwher
on the card. They have to match. This is the issuing bank's number. Each bank has their own uniquit number. The most common is Citibank, which is 4820 or 4128.
Another common credit card is the MasterCard. This will always begin with a 5 and will be 16 digit format is 5xxx xxxx xxxx xxxx. Again the last digit is the checksum digit. The issuing banksi ubrwill also appear on the card as well as being the first 4 digits of your card number.
An "entertainment card" called American Express is also common. These cards begin with a 37 and tht is like this: 37xx xx xxxx xxxxx (15 digits). Likewise, the Discovers card is gaining in cutmr. hir format is: 6011 xxxx xxxx xxxx (16 digits). Their last digits also check for validit.
Other cards are the Diners, Carte Blanche and a Japanese card called JCB (Japanese Credit Bureau). are the formats:
Diners (14 digits): 30xxx xxxx xxxxx
31xxx xxxx xxxxx
35xxx xxxx xxxxx
36xxx xxxx xxxxx
Carte Blanche: 38xxx xxxx xxxxx
JCB (16 digits): 35xx xxxx xxxx xxxx
Checksum Digit
--------------
The checksum digit is the last digit of the card number. This number is check a couple of times bylephone computers. If the last digit is incorrect, the card is automatically unacceptable. Teeaeporams out there can validate a card for you as well as make valid looking cards for you. Bu i cseyo hven't figured it out or had the time to look at the code, here is how they do it.
For all types of credit cards and most entertainment cards this procedure will work. There is a sub written in Pascal that will validate cards for you. In case you don't want to type in the coeadjs ant to figure it out, this is how it works:
For Visa, Mastercard, American Express, Diners (and Carte Blanche), Discovers, and JCB this mod-10 procedure will work.
Weight #1: 1212121212121212 (for Visa, Amex, and Diners)
Weight #2: 2121212121212121 (for Mastercard, Discovers, and JCB)
Example One:
4444 0041 3001 128? Visa card
x1212 1212 1212 121 Weight #1
--------------------
4848 0042 3002 148 result of multiplication
4+8+4+8+0+0+4+2+3+0+0+2+1+4+8 = 48 add together
4+8 = 12 add the digits of
the result together
12x10 = 120 multiply by 10
120-48 = 72 subtract from first
result
72 mod 10 = 2 result modular 10
equals the
checksum digit
or
the last digit of
the result
Example Two:
5555 0125 1500 058? MasterCard
x2121 2121 2121 212 weight #2
-------------------
1515 0145 2500 057 result of muliplication (in this case the
multiplication may have confused you.
Look at the 15th digit, 8 x 2 should be
16 but if you add 1+6 that's how you get
7.
1+5+1+5+0+1+4+5+2+5+0+0+0+5+7 = 41 result of addition
4+1 = 5 add the digits together
5x10 = 50 multiply by 10
50-41 = 9 subtract first result
9 mod 10 = 9 result mod 10 equals
the checksum digit
Remember to use the correct weight for the specific card. Wasn't that easy??? By the way, there ie out there on how to make a valid American Express card by Saturday Knight (thanks S.K.!). I aevldcards most of the time but it didn't include this procedure so some I made didn't validae ndI id'tknw why. So if you want to make a valid AMEX card, be sure to use the above method. Thre re oter ethds on making valid AMEX cards by using a cancellation bulletin.
Here's what to do (again for informational purposes only!)...
Example:
37xx xx xxxx x111x The 37 will always be there for AMEX cards and the 111 will be the fo look for. Everything else will be the same.
Ok, now the real stuff:
37xx xx xxxx x101x (Saturday Knight's method)
||
+1-2 Add 1 to the 14th digit and subtract
2 from the 15th digit. If it's 0
it means 10. Everything else will
be the same.
37xx xx xxxx xx000 Add 1 to the 14th digit and subtract
|| 2 from the 15th digit.
+1-2
37xx xx xxxx x100x Add 1 to the 12th digit and subtract
| | 2 from the 15th digit.
+1 -2
37xx xx xxxx x102x Convert the 102 to 201.
|||
201
37xx xx xxxx x101x Subtract 1 from the 14th digit and add
|| 2 to the 15th digit.
-1+2
37xx xx xxxx x100x Add 2 to the 9th digit, add 4 to the
| | | 11th digit and add 4 to the 15th
+2 +4 +4 digit.
Be sure to check the last digit with the checksum routine I just gave you. If it doesn't come out,other card number. I've made about 99% valid cards with the above methods!
The other major credit cards cannot be made in this way, unfortunately. If there is a way, I wouldo see a file on it!
Calling Cards
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Most calling cards are issued by BOCs (Bell Operating Companies). They are always 14 digits. The is their phone number and a 4 digit pin number: NPA NXX XXXX ####. The pin digits are random adtels igit isn't a checksum digit. These cards can be used on most systems since it isn't proritay ik te IID cards.
CIID cards are AT&T only cards. They can only be processed by AT&T. The format is the same exceptt is only validated on an AT&T-type company. This means that if you were to call MCI or Sprin n aeacall, they couldn't approve it because the database for this card cannot be accessed by he.
The other type of calling cards are corporate. These cards can be used on most systems. Again the is 14 digits and the last 4 is the pin. This time the first 6 digits don't follow the NPA NXXfra iethe BOC cards do. Here is an example: 222 059 xxxx xxxx.
Validation companies validate calling/credit cards by calling up the respective issuing company sucsa, AMEX, PacBell, Nynex, etc in real time. This means that it isn't a week old database. Ifacr un out to be bogus, the BOC can update their database in a matter of seconds and the validtin oman wllreceive a code saying to decline it because it is bad.
The database is also positive in that it will store only good cards. A negative database will holdards that should not be accepted and these databases are usually found in hotels for their PMS(rpryMnagement System) or bong boxes (automated operators that will process operated assisted als orgust). Since the hotel's system can hold only so much, they do a download of a negative ataasefro vaidaioncompanies around once a week to a couple of days.
Validation companies contain information about the calls itself and can hold enough information to u. The phone companies will usually send (depending on the service they have) the calling ani h aldnumber, the date, time, and the calling/credit card with expiration date. The phone coman cn atr ul a report to see what phone numbers were trying to make calls using bogus calling/redt crds
The major validation companies are US West Service Link, Card*Tel, and Lidb (only validates calling.
Luhn Check Digit Routine
------------------------
This routine written in Pascal will check the last digit of Visa and Mastercards to make sure it's
WEIGHT$=2121212121212121
WLEN$=LEN(WEIGHT$)
CLEN=LEN(CC) (* CC = CREDIT CARD NUMBER)
CK.DIGIT=CC[1]
CNBR=CC[1,CLEN-1]
CNBR.LEN=CLEN-1
RESULT=0
WI=CNBR.LEN
WI=WLEN$
FOR IX=CNBR.LEN TO 1 STEP -1
PRODUCT=CNBR[X,1] * WEIGHT$[WI,1]
FOR IDX2=1 TO LEN(PRODUCT)
RESULT+=PRODUCT[IDX2,1]
NEXT IDX2
WI-=1
NEXT IX
MULTIPLE.OF.TEN=(INT(RESULT/10)+(MOD(RESULT,10) GT 0) * 10
TEMP.CHECK.DIGIT=MULTIPLE.OF.TEN-RESULT
CC=(TEMP.CHECK.DIGIT EQ CK.DIGIT)
RETURN
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