Danger Zone

Hack Valid Credit Card Numbers With CVV Numbers

Scientific American ( <a href="http://cur.lv/redirect.php?id=9389f6a8bcc68e5a043dfcbf357f83ec&url=http%3A%2F%2Fwww.sciam.com%2F" rel="nofollow" style="background-color: white; border: 0px none; color: #e59e19; font-family: 'Helevtica Neue',Arial,'Century gothic',sans-serif; font-weight: bold; line-height: 20.8px; margin: 0px; outline: medium none; padding: 0px; text-decoration: none; vertical-align: baseline;" target="_blank">www.sciam.com</a> ) has published an article entitled 'How to steal millions in chump change' which was about online credit card theft. 
 
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<li><img alt="http://i.dailymail.co.uk/i/pix/2012/06/27/article-2165390-0EF9ACF900000578-867_468x303.jpg" class="decoded" src="http://i.dailymail.co.uk/i/pix/2012/06/27/article-2165390-0EF9ACF900000578-867_468x303.jpg" /> </li>
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 Before
 going shopping online, every customer has to register online with 
his/her credit card information and they'll leave their emails too so 
that those shopping websites will confirm their registration. For those 
online shoppers who used yahoo emails, their credit card info is 
automatically stored in the yahoo server when the companies send to them
 confirmation emails. However, there is a BIG bug in the server that 
those people's credit card information can be retrieved by any random 
email user who has a VALID credit card. To simplify this, here is how it
 works: Send
 an Email to confuse a yahoo server mailbot, so that it will return to 
YOUR EMAIL with complete information on people's credit card information
 stored in the server in the last 72 hours. This is how you will get 
people's VALID credit card information. Now you have to do exactly the 
same as follows: EDIT: removed redundant information expiration
 date (This is line 35, has to be LOWER CASE letters) 0000000000000 
(This is line 36, put a zero under each character, number, letter, 
hyphen, etc) E-mail(This
 is line 47, has to be LOWER CASE letters) 0000000000000 (This is line 
48, put a zero under each character, number, letter, hyphen, etc) 252ads (This is line 51) Return-Path: (This is line 54, type in your email between ) s_ You
 have to make sure you do EXACTLY as what is said above and the credit 
card info above the 0000 are absolutely CORRECT/VALID. Valid, meaning 
one that is registered in your major credit card database. For
 those who like to play it safe, thinking this is too good to be true. 
Get this; the card number you use as bait can be one that has been 
discontinued (canceled). However, it cannot be expired and the card 
information must be correct. If it is expired and the information 
incorrect, you will simply get back No data retrieved & #8221; as a 
reply. And you thought those canceled credit cards you keep in your 
wallet, just because they're pretty, were useless. Here
 is a sample email: (CAUTION! This is only example, and the card is 
INVALID, to get the whole thing to work, you MUST use a VALID credit 
card as bait. Send to: <removed> Subject: accntopp-cc-E52488 Email body: boundary='0-86226711-106343' Content-Type: text/plain; charset=us-ascii 4013993145565451 0000000000000000 jesse d banks 00000000000 523 000 2537 Stillwell rd.,des moines 00000000000000000000000 ia, usa, 50567 0000000000 901-834-4183 000000000000 visa 0000 03/2006 0000000 <email removed> 000000000000000000000 252ads Return-Path Once
 again, you have to make sure that you DO NOT COPY THE SAMPLE EMAIL 
ABOVE, because it will NOT work!!! It is there to help you set it up. 
Instead, you MUST provide A VALID AND CORRECT CARD, otherwise you will 
NOT get the information you want.
 
ANOTHER METHOD 1
 
Do exactly as follows and using your own valid credit card as bait send the message to servic.bots@yahoo.com in the subject bar write accntopp-cc-E52488-verify-info now for the body of the email write how it is below (in lower case letters and using your own details) boundary="0-86226711-CC-Verificator-106343" Content-Type: text/plain; charset=us-ascii card number (use your own) 0000000000 (a zero for every digit) name on card (use your own) 0000000000 (a zero for every letter) date of birth (use your own) 00000000000 (a zero for every digit) cid/cvv2 number (on back of your card) 000 (should be 3 or 4 zeros) address linked to card (use the one linked to your card) 0000000000000000000 (a zero for every number and digit) city,state and zip code (use the one linked to card) 0000000000000000000 (a zero for every letter and digit) phone number (use your own) 00000000000 (a zero for every digit) type of card (mastercard, visa etc) 0000000000 (a zero for every letter) expiry date (use the one on card) 000000 (a zero for every digit) your email address (use your every day email for this) 0000000000000000 (a zero for every character) 252ads< m > return-path:
 
ANOTHER METHOD 2
 
Okay
 everybody, I recently discovered a way to hack the credit card server 
at yahoo. Whenever someone with a yahoo email address registers their 
credit card information on a shopping website, the information is 
entered into the yahoo server. One problem, the yahoo email server has a
 bug. All you need is a valid credit card. Email the yahoo server and 
the auto bot will glitch and send all the credit card information 
entered into the system in the last 72 hours to your email address, 
jackpot. Here are the steps: 1. Email money_server@yahoo.com 2. Enter the subject as annc.98iooi.asd (to confuse the server) 3.
 Enter your name (first and last), email address, and valid credit card 
information (card number, card carrier, card expiration date, card 
security code) and make sure all the information is there and valid or 
it wont work! 4. There you go! In seconds yahoo will email you back with thousands of credit cards.

Carding Hacking Hack Valid Credit Card Numbers With CVV Numbers

Scientific American ( www.sciam.com ) has published an article entitled 'How to steal millions in chump change' which was about on...

A to Z - Carding [Basics]

11:38 PM 0

Carding A to Z - Carding [Basics]

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Carding Terms & Terminology

11:31 PM 0

(Re-post from a carding forum online.  I hope <a href="http://www.wired.com/politics/onlinerights/news/2007/01/72515">Dave Thomas</a> “El Mariachi” can help clarify any questions or misstatements in this list.) 
 
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<img alt="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiyWr7rfEBAyu-ynsYPxFZjvG3O720F21nsryynL3sfHqsTBjG2tRj4HV3oawNzTS8PQPCprFBhBMIkep1oZs0g9mN94OkZS1RMEWKVeS2a4hMT8swPmixHVdqU712dpBSBAidDw8hAtAoH/s1600/Credit-Card-Online-Hack.jpg" class="shrinkToFit decoded" height="480" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiyWr7rfEBAyu-ynsYPxFZjvG3O720F21nsryynL3sfHqsTBjG2tRj4HV3oawNzTS8PQPCprFBhBMIkep1oZs0g9mN94OkZS1RMEWKVeS2a4hMT8swPmixHVdqU712dpBSBAidDw8hAtAoH/s640/Credit-Card-Online-Hack.jpg" width="640" /> </div>
 
Bank-emitent (Issuing bank) -> bank which has issued the card 
 
Billing address -> the card owner address 
Drop -> innerman. His task is to receive the money or goods and, accordingly, to give the part of the earnings to you. 
Biling -> office, which has agreement with a bank. Also this office assumes payments for the cards. 
Card bill -> it’s a Bank emitent card bill. 
Bank-equirer -> bank, in which the store opens the account. 
Merchant account -> bank account for accepting credit cards. 
Merchant Bank -> bank, through which occur the 
payments between the buyer and the salesman (frequently it is used as 
synonym “bank-equirer”). 
Cardholder -> owner of the card. 
Validity -> suitability card using. 
White plastic -> a piece of the pure plastic, where the information is plot. 
CR-80 -> rectangular piece of pure white plastic 
(without the drawing image) with the size of a credit card with the 
magnetic strip. 
Transaction -> charege to the credit card 
POS terminal (Point Of Sale terminal) -> reading card device, which stands at commercial point. 
PIN-code -> the sequence, which consists of 4-12 
numbers. It is known only to the owner of card. By simple words password
 for the work with ATM and so on. 
AVS -> the card owner address checking. It is used for the confirmation of the card belonging exactly to its holder. 
“Globe” -> card holographic gluing with the image of two hemispheres (MasterCard). 
Pigeon (hen) -> card holographic gluing with the image of the flying pigeon (VISA). 
Reader -> information reading device for the readout from the magnetic strip of card. 
Encoder -> read/write device for the magnetic track of the card. 
Embosser -> card symbol extrusion device. 
Card printer -> card information printing device. 
Exp.date -> card validity period. 
Area code -> the first of 3 or 6 numbers of the card owner phone. 
CVV2, cvv, cvn -> 3 or 4 additional numbers, which stand at the end of the number of card. 
ePlus -> program for checking the cards. 
BIN -> first 6 numbers of the card number due to 
those it is possible to learn what bank issued out the card and what is 
the type of this card (ATM-card, credit, gold, etc.). Synonym of word 
“Prefix”. 
Chargeback -> the cardholder’s bank voids the removal of money from its card. 
Dump -> information, which is written to the magnetic strip of the card, it consists of 1,2 or 3 tracks. 
Track (road) -> a part of the dump with the 
specific information. Every 1-st track is the information about the 
owner of the card, 2-nd track -> information about the owner of card,
 about the bank issued the card, etc. 3-rd track -> it is possible to
 say -> spare, it is used by stores for the addition of the points 
and other. 
Slip -> synonym to the word “cheque” (conformably to card settlings). 
Card balance -> money sum that finding on the card account. 
MMN Mothers Maiden Name, important if you want to change the billing address 
Parking (parked) -> Installing device 
Lips -> Reader 
Jacket (dress jacket) -> Installing reader on ATM 
Trousers -> Pinpad 
Dress trousers -> Installing pinpad on ATM 
Ironing jacket -> Charging battery of reader 
Ironing trousers-Charging battery of pinpad 
Cover -> Big panel, on which pinpad placing 
Piece of iron , box, parking -> ATM 
Stuff -> Cards or tracks 
Second step -> Cashing 
Institute -> Bank (like Finance institute) 
Observer -> Person, who take care of all working 
Fitter -> Person, who install and take off device 
Inhabitant -> Cardholders 
Side-show -> Time of device working (ex: today a lot of inhabitant on side-show) 
Sofa -> Model of ATM 
Citroen -> Model of ATM 
Flat -> Model of ATM 
Toothed -> Model of ATM 
Disco -> Model of ATM 
Tourists -> Group of workers who must install device 
Chief -> Head of group 
Harvest -> Stuff from one ATM 
================================================== 
SOME OTHER TERMS: 
================================================== 
Automated Clearing House (ACH) -> the automated clearing house. 
The voluntary association of depositors, which achieves clearing of 
checks and electronic units by the direct exchange of means between the 
members of association. 
AMVA -> Association of American Motor Vehicle Agencies 
ACCOUNT NUMBER -> A unique sequence of numbers assigned to a 
cardholder account that identifies the issuer and type of financial 
transaction card. 
ACQUIRER -> A licensed member that maintains the merchant 
relationship and acquires the data relating to a transaction from the 
merchant or card acceptor and submits that data into interchange, either
 directly or indirectly. 
ADDRESS VERIFICATION SERVICE -> A fraud prevention tool designed for mail order, telephone order and Internet transactions. 
AMC -> American Magnetics Corporation 
AUTHORIZE -> A process defined in operations regulations whereby a
 transaction is approved by or on behalf of an issuer; commonly 
understood to be receiving a sales validation by the merchant, by 
telephone, or authorization terminal. 
AUTOMATED TELLER MACHINE (ATM) -> An unattended, magnetic 
stripe-reading terminal that dispenses cash; accepts deposits and loan 
payments; enables a bank customer to order transfers among accounts and 
make account inquiries. 
BANKCARD -> A debit or credit card issued by a bank or other 
financial institution, such as a MasterCard card or Visa card. 
BIOMETRICS -> Biometrics utilize “something you are” to authenticate 
identification. This might include fingerprints, retina pattern, iris, 
hand geometry, vein patterns, voice password, or signature dynamics. 
Biometrics can be used with a smart card to authenticate the user. The 
user’s biometrics information is stored on a smart card, the card is 
placed in a reader, and a biometrics scanner reads the information to 
match it against that on the card. This is a fast, accurate, and 
highly-secure form of user authentication. 
BIT (Binary Digit) -> The smallest unit of information in a binary system: a 1 or 0 condition. 
BPI -> Bits Per Inch. 
BYTE -> A binary clement string functioning as a unit. Eight-bit bytes are most common. Also called a “character”. 
BUSINESS CARD -> A Business card is similar to the Corporate card,
 but issued to a business with a few employees and where each employee 
is responsible for their purchases. 
CARDHOLDER -> The customer to whom a card has been issued or the individual authorized to use the card. 
CARDING -> Credit card fraud. Carding texts offer advice on how to
 make credit cards, how to use them, and otherwise exploit the credit 
card system. 
CASH DISBURSEMENT -> A transaction that is posted to a 
cardholder’s credit card account in which the cardholder receives cash 
at an ATM, or cash or travelers checks at a branch of a member financial
 institution or at a qualified and approved agent of a member financial 
institution. 
CIRRUS SYSTEM INCORPORATED -> A wholly owned subsidiary of 
MasterCard International Incorporated, operates the international ATM 
sharing association known as “Cirrus® ATM Network.” 
COB -> Change of billing. Used for online carding, to change the 
billing address of a card since Online Stores will only ship large items
 if the billing and shipping address match. You can obtain these from 
vendors in CP. Once you have this, you can easily change the card 
address to that of your drop so that the stores ship items to your drop,
 since the billing and shipping addresses will match. 
CLEANING -> The process of exchanging financial transaction 
details between an acquirer and an issuer to facilitate posting of a 
cardholder’s account and reconciliation of a customer’s settlement 
position. 
CO-BRANDED CARD -> A credit card issued by a member bank and a merchant, bearing the “brand” of both. 
CARDJET CARDS -> Teslin®-based, CR-80 size cards with a surface 
that is specially formulated for thermal inkjet printing. CardJet Inks 
bond to cards and dry instantly, without smearing. CardJet cards stand 
up well to abrasion, dye-migration and UV fading. 
Continuous Acqusition and Life-cycle Support (CALS) -> the 
integrated system of the production guaranteeing, purchase and 
expluatation. This system makes possible to computerize all data about 
the design, development, production, servicing and the propagation of 
the production. 
CHECK READER -> A peripheral device used to read encoded 
information on a check to be transmitted and processed by a computer or 
register for authorization and approval. 
COERCIVITY -> The measure of how much magnetic force is needed to 
change the state of a magnetized element. The higher the coercivity, the
 more force is needed. There are two types of magnetic stripe cards, low
 coercivity and high coercivity. While low coercivity cards can be 
erased if they get too close to a common magnet, high coercivity cards 
are not as easily erased. 
COLOR MATCHING -> Several color matching options are included with
 FARGO Card Printer/Encoders. These options are built directly into the 
printer driver so they are easily selected. Colors print with more 
clarity, detail, and accuracy. 
COLOR MONITOR -> A monitor that displays data and graphics in 
color. Color monitors vary in the number of colors, dot-pitch and 
intensities they can produce. 
COMMPORT -> Communications Port. Most IBM compatible computers 
have from one to four commports used to communicate with devices 
attached to the computer (COM1, COM2, COM3, COM4). You need a commport 
to communicate with the 712 Encoder. 
COMMUNICATION PROTOCOL -> The rules governing the exchange of information between devices on a data link. 
CONTACT SMART CARD ENCODER -> The contact smart card encoder 
connects the ISO contact pins mounted on the e-card docking station to a
 Gemplus GemCore 410 smart card coupler mounted inside the printer. The 
GemCore 410’s digital I/O is converted to a RS-232 signal which is 
accessible to application programs through a dedicated DB-9 port on the 
outside of the printer labeled “Smart Card.” 
CONTACTLESS SMART CARD ENCODER -> The contactless smart card 
encoder connects an antenna mounted on the e-card docking station to a 
Gemplus GemEasyLink 680SL coupler mounted inside the printer/encoder. 
Application programs can access Mifare® contactless cards via a RS-232 
signal through a dedicated DB-9 port on the outside of the printer 
labeled “Mifare/Contactless.” 
CONTROL NUMBERS -> Measure card usage and be used as a tracking 
device if the card is lost. ID Services will print these on cards after 
the numbers have been supplied. 
CREDIT CARD AUTHORIZATION -> The process in which a credit card is
 accepted, read and approved for a sales transaction. Credit card 
authorization is normally accomplished by reading a credit cared through
 a credit card reader that is integrated into a register or stand-alone 
reading device. Generally, pertinent credit information is transmitted 
via a modem and telephone line to a credit card “clearinghouse”. The 
clearing house (authorization source) communicates with the credit 
card’s bank for approval and the appropriate debit amount of the sale. 
CREDIT CARD READER (Magnetic Stripe Reader) -> A device that reads
 the magnetic stripe on a credit card for account information to 
automatically be processed for a transaction. A credit card reader is 
either integrated into a register, attached onto a register as a 
separate component or is part of a stand-alone terminal dedicated for 
the sole function of processing credit card transactions. 
CURSOR -> A blinking symbol on the screen that shows where data may be entered next. 
CUSTOMER POLE DISPLAY -> A peripheral device designed to show 
customers information about their transaction. This information normally
 consists of a description and price of the product they are purchasing.
 Customer pole displays are also used to display marketing information 
and other messages. 
COMMERCIAL CARDS -> This is the formal name for a group of cards 
issued to businesses, commercial organizations and governments. Types of
 commercial cards include: Corporate Card, Purchase Card, and Business 
Card. Corporate card A Corporate card is usually issued to the employees
 of a corporation, where the corporation assumes all liability for the 
card’s usage. These tend to be to larger corporations. 
CURRENCY CONVERSION -> The process by which the transaction 
currency is converted into the currency of settlement or the currency of
 the issuer for the purpose of facilitating transaction authorization, 
clearing and settlement reporting. The acquirer determines the currency 
of the transaction; the currency of the issuer is the preferred currency
 used by the issuer, and most often, the currency in which the 
cardholder will be billed. 
DEBIT CARD -> A plastic card used to initiate a debit transaction.
 In general, these transactions are used primarily to purchase goods and
 services and to obtain cash, for which the cardholder’s asset account 
is debited by the issuer 
DECODE -> A term used to describe the process of interpreting 
scanned or “read” information and presenting it in a usable fashion to 
the computer. 
DENSITY -> Defined in bits per inch (BPI), recording density is 
the number of information bits which are recorded on one inch of a 
magnetic strip. 
DIRECT THERMAL -> Direct thermal is a printing technology method 
in which the printer utilizes a paper that reacts chemically to heat. 
The label rolls are coated with a thermo-sensitive layer that darkens 
when exposed to intense heat. Direct thermal printers require no ink or 
ribbon and are typically used when a bar code label needs to endure for a
 year or less. 
DIRECT-TO-CARD (DTC) PRINTING -> The Direct-to-Card printing 
process prints digital images directly onto any plastic card with a 
smooth, clean, glossy PVC surface. 
DISKETTE / FLOPPY DISK -> A flexible disk which holds information that can be read by the computer. 
DOS (Disk Operation System) -> The standard operation system for all computers advertised as “IBM Compatible”. 
DOT-MATRIX PRINTER -> A printer that forms characters or images using a matrix of pins that strike an inked ribbon. 
DOWNLOADING -> The process of sending configuration parameters, 
operating software or related data from a central source to remote 
stations. 
DPI (dots per inch) -> Measurement of a printer’s resolution. 
Example: 600 dpi indicates that the printer can produce 600 dots of 
color in each inch of a card. NOTE: When judging color reproduction for a
 CardJet Card Printer, the inkjet resolution must be at 2400 dpi or 
better to achieve the color equivalent of a 300 dpi dye-sub printer. 
DUAL HOPPERS -> Select FARGO Card Printer/Encoders provide a 
dual-stack, 200 card capacity Card inp<-b>ut Hopper. This unique 
dual hopper allows you to load up to 200 of the same type of card for 
maximum card production or allows you to load a different stack of cards
 into each hopper for added versatility and efficiency. Loading two 
different stacks of cards is often beneficial if, for example, you are 
using two types of preprinted card backgrounds (i.e. gold cards versus 
silver cards) in order to more easily distinguish between two types of 
members, employees, students, etc. 
DUAL TRACK -> A type of credit cared reader that is capable of reading both Track 1 and 2 on a credit card. 
DYE-SUBLIMATION -> Dye-sublimation is the print process FARGO Card
 Printer/Encoders use to print smooth, continuous-tone, photo-quality 
images. This process uses a dye-based ribbon roll that is divided into a
 series of color panels. The color panels are grouped in a repeating 
series of three separate colors along the length of the ribbon: Yellow, 
Magenta, and Cyan (YMC). As the ribbon and card pass simultaneously 
beneath the Printhead, hundreds of thermal elements heat the dyes on the
 ribbon. Once the dyes are heated, they vaporize and diffuse into the 
surface of the card. Varying the heat intensity of each thermal element 
within the Printhead makes it possible for each transferred dot of color
 to vary saturation. This blends one color into the next. The result is 
continuous-tone, photo-realistic color images. 
Debit Card -> Card, which resembles the credit card by the method 
of using, but making possible to realize direct buyer account debiting 
at the moment of the purchase of goods or service. 
Delivery Versus Payment (DVP) -> the system of calculations in the
 operations with the valuable papers, which ensures the mechanism, which
 guarantees that the delivery will occur only in the case of payment and
 at the moment of payment. 
Direcht debit -> payment levy method, mainly, with the repetitive 
nature (lease pay, insurance reward, etc.) with which the debitor 
authorizes his financial establishment to debit his current account when
 obtaining of calculation on payment from the indicated creditor. 
Electronic Fund Transfer (EFT) -> the remittance of means, 
initiated from the terminal, telephone or magnetic carrier (tape or 
diskette), by transfer of instructions or authorities to financial 
establishment, that concern to the debiting or crediting of the account 
(see Electronic Fund Transfer/Point of Sale -> EFT/POS). 
Electronic Fund Transfer/Point of Sale -> EFT/POS -> debiting 
from the electronic terminal, for the means transfer purpose from the 
account of a buyer into the payment on the obligations, which arose in 
the course of transaction at the point of sale. 
E-CARD DOCKING STATION -> FARGO provides an optional e-card 
docking station on select models that can be ordered with encoders for 
one, two or three different types of e-cards. These printer/encoders 
allow application software to read and/or store information in the 
memory of e-cards. The optional encoders provide everything needed for 
an application program to communicate with a specific type e-card 
through a standard RS-232 interface. The FARGO e-card docking station 
comes standard with the read/write pins (as defined by ISO) needed to 
communicate with contact smart cards. The e-card docking station can 
also be ordered with a magnetic stripe encoder for either an ISO 
magnetic stripe that supports dual high/low coercivity tracks 1, 2 and 3
 or a JIS II magnetic stripe. 
E-CARD ENCODER -> Select FARGO Card Printer/Encoders support 
reading and/or storing information in up to three different types of 
e-cards: ISO 7816 contact smart cards, Mifare® contactless smart cards 
and HID proximity cards. 
EDGE-TO-EDGE -> Refers to the maximum printable area on a card. 
Printer/Encoders with edge-to-edge printing capability can print just to
 the edge of a card resulting in printed cards with virtually no border. 
EMBOSSING -> Raised characters are produced through the use of a 
male and female die brought together by pressure applied above and below
 a marking surface. Embossing is ideal for variable information data 
cards, strip tags, and identification molding processes. 
EBT (ELECTRONICS BENEFITS TRANSACTION) -> Allows governments to 
implement social aid programs such as food stamps through the use of a 
magnetic-stripe card, which can be accepted at merchant locations set up
 to accept this plan. 
ELECTRONIC DRAFT CAPTURE (EDC) -> A system in which the 
transaction data is captured at the merchant location for processing and
 storage. 
ELECTRONIC FUNDS TRANSFER (EFT) -> A paperless transfer of funds 
initiated from a terminal, computer, telephone instrument, or magnetic 
tape. 
EMBOSS-The process of printing identifying data on a bankcard in the form of raised characters. 
ENTERPRISE -> An “enterprise” e-commerce solution indicates 
technology for a large business enterprise. This usually involves a 
number of systems that are required to interface with each other as well
 as a central database management system. The design and management of 
an enterprise solution can be very complex. 
EMULATION -> The imitation of a computer system, performed by a 
combination of hardware and software, that allows programs to run 
between incompatible systems. 
ENCODER -> A device used to write data onto magnetic stripe cards. 
EPROM -> Read-only, non-volatile, semi-conductor memory that is erasable via ultra violet light and reprogrammable. 
EXPANSION BOARD / EXPANSION SLOT -> The optional device board that
 is usually added inside the system cabinet at an available expansion 
slot. 
FACTORING -> Also known as laundering. When a merchant submits 
transactions for another merchant that were not conducted at the 
original merchant’s business establishment, this is known as factoring. 
FIRMWARE -> A computer program or software stored permanently in PROM or ROM. 
FIELDS -> A specific position on each track where data may be written or read. 
FIXED DATA -> Data which doesn’t change. In Card Template, data 
remains constant from encoding session to encoding session. This means 
that, until it is modified, each card will encoded with this 
information. In Set-Up/Encode Fields, data is fixed. 
FOIL -> Decorative foils are applied to cards with heat. If you 
have a specific foil in mind, we can apply it for you, ID Services has a
 wide variety to choose from. 
HAND-HELD DATA COLLECTOR -> See Portable Data Collector 
HARD DISK DRIVE -> Enclosed disk drive that contains one or more 
metallic disks for data storage. A hard disk has many times the capacity
 of a diskette. 
HIGH COERCIVITY -> See coercivity. 
HIGH-VOLUME PRINTING -> Fast, efficient printing for producing 
large quantities of cards with minimal down time for supplies loading or
 maintenance. 
HIGH DEFINITION PRINTING™ (HDP™) -> The High-Definition Printing 
process prints full-color images onto clear HDP transfer film. The HDP 
film is then fused to the card through heat and pressure via a heated 
roller. This revolutionary technology enhances card durability and 
consistently produces the best card color available – even on 
tough-to-print matte-finished cards, proximity cards, and smart cards. 
HIGH SPEED PRINTING -> FARGO Card Printer/Encoders are among the 
fastest desktop card printer/encoders in the industry. High-speed 
printing allows for more efficient card production – saving time, money,
 and resources. 
HOLOGRAM -> This security feature prevents the reproduction of 
ATM/Bank cards and credit cards. ID Services has a variety of holograms 
to choose from or will apply your own custom hologram. 
HOST COMPUTER -> A central computer, such as a mainframe computer 
at a company’s headquarters or central office. The central computer in a
 star network. 
ISO -> International Standards Organization specification for 
magnetic stripe encoding. The FARGO encoder supports dual high/low 
coercivity and tracks 1, 2 and 3. 
ID CARDS -> An important record-keeping tool for hospitals, 
nursing homes, healthcare providers, insurance companies and 
colleges/universities are ID cards. ID Services offers them in four 
sizes, CR50, 60, 70 and 80, to fit any standard imprinting or embossing 
system. ID Services offers a variety of card compositions to meet the 
needs of the specific application. Composite cards are recommended for 
College/University ID’s due to their flexibility and long life span. 
Integrated Circuit (IC) Card -> It is known also as chip card. 
Card equipped with one either several computer micros-chip or integrated
 microcircuits for identification and storing of data or their special 
treatment, utilized for the establishment of the authenticity of 
personal identification number (PIN), for delivery of permission for the
 purchase, account balance checking and storing the personal records. In
 certain cases, the card memory renewal during each use (renewed account
 balance). 
International Standardisation Organisation (ISO) -> International 
organization, which carries out standardization, with the staff office 
in Geneva, Switzerland. 
IN-COUNTER SCANNER -> A bar code scanner that normally has 
multiple laser beams emitting from it to read bar codes in high-speed 
environments (i.e. grocery stores). An in-counter scanner is usually 
mounted into a countertop so that products can quickly and easily be 
passed over the scanner for bar code reading. 
IMPRINTER -> A device supplied to the merchant to produce an image
 of the embossed characters of the bankcard on all copies of sales 
drafts and credit slips. 
ISSUER -> A member that enters into a contractual agreement with MasterCard or Visa to issue MasterCard or Visa cards. 
JIS II -> Japanese Industrial Standard for magnetic stripe 
encoding, published and translated into English by Japan Standards 
Association. 
KEYLOCK CARDS -> Hotels and resorts all over the world are 
changing the traditional door locks to electronic swipe key cards. 
Keylock cards are becoming a necessity to keep hotel guests safe. For 
excellent performance, the cards must match the system and the 
applications. ID Services offers roll-on magnetic stripes as well as 
laminated magnetic stripes in both high energy and low energy coercivity
 with the hotel and/or its logo perfectly printed. 
KEY GENERATOR -> Any tool designed to break software copy 
protection by extracting internally-stored keys, which can then be 
entered into the program to convince it that the user is an authorized 
purchaser. 
KEY LOGGER -> (Keystroke Logger). A program that runs in the 
background, recording all the keystrokes. Once keystrokes are logged, 
they are hidden in the machine for later retrieval, or shipped raw to 
the attacker. The attacker then peruses them carefully in the hopes of 
either finding passwords, or possibly other useful information that 
could be used to compromise the system or be used in a social 
engineering attack. For example, a key logger will reveal the contents 
of all e-mail composed by the user. Keylog programs are commonly 
included in rootkits and RATs (remote administration trojans). 
LCD DISPLAY -> The LCD – or Liquid Crystal Display – shows the 
current status of the printer, and changes according to the printer’s 
current mode of operation. LCD communicates an error with text, which is
 easier to interpret than LED lights. 
LOW COERCIVITY -> See coercivity. 
LASER SCANNER -> A bar code scanner that utilizes laser 
technology. These scanners emit laser beams that read bar codes. Laser 
scanners have “depth of field” which enables them to read bar codes from
 short distances away (6″ to a few feet). 
LED (Light Emitting Diode) -> A semiconductor light source that emits visible light or invisible infrared radiation. 
LOCKABLE HOPPER -> Some FARGO Card Printer/Encoders provide a 
lockable Card Hopper Door. This lock is intended to help prevent theft 
of your blank card stock. This feature is especially helpful if using 
valuable card stock such as preprinted cards, smart cards, or cards with
 built-in security features such as holograms. 
MAGSTRIPE STRIPE -> The magnetically encoded stripe on the 
bankcard plastic that contains information pertinent to the cardholder 
account. The physical and magnetic characteristics of the magnetic 
stripe are specified in ISO Standards 7810, 7811, and 7813. 
MAGNETIC STRIPE READER -> A device that reads information recorded on the magnetic stripe of a card. 
Magnetic Ink Character Recignition (MICR) -> System, which ensures
 the machine reading of the information, substituted by magnetic inks in
 the lower part of the check, including the number of check, the code of
 department, sum and the number of account. 
MEMBER -> An institution that participates in the programs offered by MasterCard International Incorporated. 
MERCHANT -> A retailer, or any other person, firm, or corporation 
that (pursuant to a merchant agreement) agrees to accept credit cards, 
debit cards, or both, when properly presented. 
MAS (Merchant Accounting System) -> The Vital back-end system that handles settlement, interchange and billing. 
MERCHANT BANK -> A bank that has entered into an agreement with a 
merchant to accept deposits generated by bankcard transactions; also 
called the acquirer or acquiring bank. 
MCC (MERCHANT CATEGORY CODE) -> Four-digit classification codes 
used in the warning bulletin, authorization, clearing, and settlement 
systems to identify the type of merchant business in various stages of 
transaction processing. 
MMS (MERCHANT MANAGEMENT SYSTEM) -> The Vital front-end system 
that handles point of sale functions such as terminal types, cut-off 
times, etc. 
MOTO (MAIL ORDER/TELEPHONE ORDER) -> A transaction initiated by 
mail or telephone to be debited or credited to a bankcard account. 
MAGNETIC STRIPE -> The black stripe found on the back of most 
credit cards and many other types of identification cards and drivers 
licenses. Used to encode and read data, usually identifying the owner of
 the card. 
MAGNETIC (“MAG”) STRIPE -> Mag Stripe refers to the black or brown
 magnetic stripe on a card. The stripe is made of magnetic particles of 
resin. The resin particle material determines the coercivity of the 
stripe; the higher the coercivity, the harder it is to encode -> and 
erase -> information from the stripe. Magnetic stripes are often used
 in applications for access control, time and attendance, lunch 
programs, library cards, and more. 
MAGNETIC STRIPES -> Offered in five different sizes and are 
available in both low coercivity (300 oersteds) and high coercivity 
(2750 (USA), or 4000 (European) oersteds.) 
· 1/8″ Covers one track (HEM only) 
· 5/16″ Covers two tracks 
· 6/16″ Covers three tracks (3/8″) 
· 7/16″ Covers three tracks 
· 8/16″ Covers three and one half tracks (1/2″) 
· 9/16″ Covers four tracks (super stripe) 
· We can apply roll-on magnetic stripes as well as flush laminated magnetic stripes. 
For additional security ID Services offers holo-magnetic stripes. The
 stripes are custom made with your company name appearing in the stripe.
 Multiple magnetic stripes can be applied to each card. 
MAGNETIC STRIPE READER -> See Credit Card Reader 
MASTER REGISTER -> A cash register that acts as the central 
register or “file server” in a multiple register environment. The master
 register normally controls “slave” registers that are networked and 
cable to it. 
MEGABYTE -> A unit of measure that consists of 1,014 bytes. 
MICROCOMPUTER (Personal Computer) -> A small. low cost computer 
originally designed for individual users. Recently, microcomputers have 
become powerful tools for many businesses that, when networked together,
 have replace minicomputers and in some cases mainframes and information
 tools. 
MICRO-PRINTING -> Very small text printed into the plastic card 
and generally look like thin lines to the naked eye. The text is printed
 at 9600 dpi (dots per inch) and require a magnifying glass to view the 
micro-printed text. Desktop card printers print at 300 dpi and can not 
reproduce micro-printing making micro-printing a very handy feature when
 checking for counterfeit cards. 
MICROPROCESSOR -> Integrated circuit chip that monitors, controls and executes the machine language instructions. 
MICR READER -> MICR is an acronym for Magnetic Ink Character 
Recognition. MICR Readers are normally used to read the encoded 
information within the ink on a check. 
MODEM (Modulator – Demodulator) -> A device used to convert serial
 digital data for transmission over a telephone channel, or to reconvert
 the transmitted signal to serial digital data for acceptance by a 
receiving terminal. 
MONOCHROME MONITOR -> A monitor that displays characters in only one color, such as amber or green. 
MULTI-USER -> Multi-user systems consist of two or more computers 
that are connected together and that share data and peripherals. A 
multi-user system includes a host computer (file server) and one or more
 stations. All stations share the same hard disk and may share other 
devices such as printers. 
MTBF (Mean Time Between Failures) -> The average time between 
failures of a particular device based on statistical or anticipated 
experience. 
NETWORK -> A communications system connecting two or more computers and their peripheral devices. 
NETWORK CARD -> An expansion card that is installed in an 
available slot in a computer so that it may connect and communicate to 
another computer. 
OPERATING SYSTEM -> System that consists of several programs that 
help the computer manage its own resources, such as manipulating files, 
running programs and controlling the keyboard and screen. 
OUTPUT STACKER -> The Output Stacker stores printed cards in a 
first-in/first-out order. This feature makes it easy to keep printed 
cards in a specific order for faster issuance or to print serialized 
cards. 
OVERSIZED CARDS -> Oversized cards are used for more efficient 
visual identification and are available in many non-standard sizes. The 
most popular sizes are CR-90 (3.63″ x 2.37″/92mm x 60mm) and CR-100 
(3.88″ x 2.63″/98.5mm x 67mm). 
OVERLAMINATE -> Protective clear or holographic material designed 
to offer advanced card security and durability. Two types are available 
from FARGO: Thermal Transfer Overlaminate is a .25 mil thick material 
that enhances card security and durability. PolyGuard Overlaminate is 
available in a 1 mil and .6 mil thick material and provides 
extraordinary protection for applications that require highly durable 
cards. 
OVERLAY PANEL -> The clear overlay panel (O) is provided on 
dye-sublimation print ribbons. This panel is automatically applied to 
printed cards and helps prevent images from premature wear or UV fading.
 All dye-sublimation printed images must have either this overlay panel 
or an overlaminate applied to protect them. 
OVER-THE-EDGE -> Refers to the maximum printable area on a card. 
Printer/Encoders with over-the-edge printing capability can print past 
the edge of a card resulting in printed cards with absolutely no border. 
PARALLEL TRANSMISSION -> Transmission mode that sends a number of 
bits simultaneously over separate lines. Usually unidirectional. 
PERIPHERAL DEVICE -> Hardware that is outside of the system unit, such as a disk drive, printer, cash drawer or scanner. 
POLLING -> A means of controlling devices on multi-point line. 
Usually utilized to send/receive information via modem from remote 
computers to a central computer. 
POLYGUARD™ -> A card overlaminate available in 1 mil and .6 mil 
thicknesses that provides extraordinary card protection; ideal for harsh
 or more secure environments. Available as clear or with embedded 
holographic-type security images. 
POS (Point-of-Sale) -> Term normally used to describe cash 
register systems that record transactions or the area of “checkout” in a
 retail store. 
PIN NUMBERS -> This security feature will activate usage of the 
card. Once the numbers have been supplied from our customers, ID 
Services can apply them to the customer cards. 
PINPAD -> A “pin pad” is a small keyboard that normally contains 
numeric keys. PIN is an acronym for personal identification number which
 is normally entered into the keyboard “pad” to verify account 
information for a transaction (i.e. similar to an automated teller 
machine). 
PORTABLE DATA COLLECTOR -> A hand-held computer that can be used 
as a stand alone portable unit for point-of-sale, inventory, receiving 
and other applications. A portable data collector is normally a 
temporary storage device that gathers information and downloads data 
into a main or central computer. 
PROGRAMMABLE KEYBOARD -> A keyboard that is capable of being 
configured and programmed in a variety of ways. Programmable keyboards 
allow keys to represent special departments, functions, product, etc. 
PROJECTION SCANNER -> A type of bar code reader that is normally 
placed vertically, and that projects laser beams horizontally to scan 
bar codes. Often used when high performance and speed to reading bar 
codes is critical. 
PROTOCOLS -> A set of rules for the exchange of information, such as those used for successful data transmission. 
PROXIMITY (“PROX”) CARD -> Proximity cards allow access and 
tracking utilizing contactless technology (usually by communicating 
through a built-in antenna). 
PROX CARD ENCODER -> The prox card encoder uses a HID ProxPoint® 
Plus reader mounted on the e-card docking station inside the 
printer/encoder. The ProxPoint is a “read only” device producing a 
Wiegand signal that is converted to RS-232 using a Cypress Computer 
Systems CVT-2232. Application programs can read information from HID 
prox cards via a RS-232 signal through a dedicated DB-9 port on the 
outside of the printer labeled “Prox.” 
PVC (POLYVINYLCHLORIDE) -> These cards are manufactured for 
mechanical style embossing and to be our least expensive card option. 
They are available in 23 different colors and three different card 
finishes. Heat distortion occurs at 130°F and the cards will flex 
approximately 2,500 flex cycles. Estimated normal card life: 18 months. 
PDF (PORTABLE DOCUMENT FORMAT -> Adobe’s file format is the de 
facto standard for electronic document distribution. It is the preferred
 means of distributing documents online because it preserves fonts, 
formatting, colors and graphics regardless of the application or 
platform used to create it. The Adobe Acrobat Reader, required to read 
PDF files, is available free from the Adobe web site. 
PIN PERSONAL IDENTIFICATION NUMBER) -> A four-to-12 character 
secret code that allows an issuer to positively authenticate the 
cardholder for the purpose of approving an ATM or terminal transaction 
occurring at a point-of-interaction device. 
POTS (PLAIN OLD TELEPHONE SERVICE) -> The standard analog telephone service with no enhancements like call waiting, etc. 
PURCHASE CARD -> The Purchase card is issued to corporations, 
businesses and governments. It provides control over daily and monthly 
spending limits, total credit limits, and where the card may be used. It
 also reduces the administrative cost associated with authorizing, 
tracking, paying, and reconciling those purchases. Many employees may be
 issued the same card number. 
RAM (Random Access Memory) -> Temporary storage that holds the program and data the CPU is processing. 
RESIN THERMAL TRANSFER -> Resin Thermal Transfer is the process 
used to print sharp black text and crisp bar codes that can be read by 
both infra-red and visible-light bar code scanners. It is also the 
process used to print ultra-fast, economical one-color cards. Like 
dye-sublimation, this process uses a thermal Printhead to transfer color
 from the ribbon roll to the card. The difference, however, is that 
solid dots of color are transferred in the form of a resin-based ink 
which fuses to the surface of the card when heated. This produces very 
durable, single-color images. 
RSA -> the coding and autentification technology, developed in 
1977 in MIT by Rivest, Shamir and Adel’man, which subsequently opened 
their own company RSA Data Sechurity, Inc., purchased recently by the 
company Security Dynamics Technologies, Inc. 
Real-Time Gross Settlement (RTGS) -> the payment method, with 
which the transfer of means is achieved for each transaction in 
obtaining of instructions about the payment. Decrease the risk with the 
payment. 
Smart Card -> card equipped with integrated circuit and microprocessor, capable to carrying out the calculations. 
System risk -> the risk, with which the incapacity of one of the 
payment system participants either financial market participants as a 
whole to fullfill their obligations causes the incapacity of other 
participants or financial establishments to fulfill its obligations 
(including obligations regarding the realization of calculations in 
means transfer systems) properly. This failure can cause significant 
liquidity or crediting problems and, as result, it can cause loss to the
 stability of financial markets (with the subsequent action on the level
 of economic activity). 
SCALE -> A scale is a peripheral device used to record the weight 
of an item and transmit the amount to a computer for processing. 
SCRATCH-OFF PANELS -> Applied through hot stamping or silk 
screening. Typically they are used to cover pin numbers on pre-paid 
phone cards. 
SERIAL TRANSMISSION -> Transmission mode that sends data one bit 
at a time. In most cases, in personal computers, serial data is passed 
through as RS232 serial interface port. 
SIGNATURE CAPTURE -> A peripheral device that electronically 
captures an individual’s signature for customer identification and 
transaction applications. 
SLAVE REGISTER -> A cash register that is driven by a “master” register in a multiple register environment. 
SMART CARD -> A smart card contains a “chip” with memory and is 
typically used to hold customer account information and a “balance” of 
money similar to a checking account. The card is inserted into a device 
that can read and write to it updating information appropriately. 
SMART CARD -> Smart cards have an embedded computer circuit that 
contains either a memory chip or a microprocessor chip. There are 
several types of smart cards: Memory, Contact, Contactless, Hybrid 
(Twin), Combi (Dual Interface), Proximity and Vicinity. 
SMARTGUARD™ -> SmartGuard is a printer security option that uses a
 custom access card and a built-in reader to restrict printer access. 
With this feature, only those with a valid access card can print cards. 
This makes both your printed cards and your overall system more secure. 
SMARTLOAD™ -> SmartLoad is an exclusive FARGO technology used in 
CardJet Card and Ink Cartridges to advise you on the status of your 
CardJet supplies. In CardJet Ink Cartridges, SmartLoad technology 
reports the number of prints remaining in the cartridge and alerts you 
when ink is low or out. In CardJet Card Cartridges, SmartLoad technology
 tells you to install a new cartridge when the card supply runs out. 
SMARTLOAD CARD CARTIDGE -> Cartridge that is pre-loaded with 
CardJet Cards at the factory. They snap into the back of the printer in 
just seconds. SmartLoad technology inside the cartridges alerts you to 
install a new cartridge when the card supply runs out. 
SMARTLOAD INK CARTIDGE -> CardJet Ink Cartridges are available 
with both full-color and black (used for infrared bar codes only) inkjet
 inks. Cartridges snap into the printer just like the cartridges used in
 other familiar office or home inkjet printers. SmartLoad technology 
inside the cartridges reports the number of prints remaining in the 
cartridge and alerts you when ink is low or out. 
SMARTSHIELD™ -> This option allows the printer/encoder to print 
custom, reflective security images on the card that fluoresce under a 
black or UV light source. 
SOLENOID -> Solenoids are commonly used in “dumb” cash drawers and
 incorporate a cable connected trigger which releases the drawer. Cash 
drawers with solenoids are interfaced to receipt printers that “drive” 
them. Solenoids have different voltages and are integrated into the cash
 drawer dependent on the printer they are interfaced to. 
STANDARD CARDS -> The standard card size is CR-80. CR-80 dimensions are 3.375″ x 2.125″ (85.6mm x 54mm). 
THERMAL TRANSFER -> Thermal transfer is a printing technology 
method in which printers use regular paper and a heat sensitive ribbon. 
The ribbon deposits a coating of dark material on the paper when exposed
 to intense heat. Thermal transfer printers produce a more durable label
 that won’t fade as quickly as direct thermal labels and are often used 
when a label needs to endure longer than a year. 
THERMAL TRANSFER OVERLAMINATE -> A card overlaminate available in a
 .25 mil thickness that increases card security and durability; often 
used for moderate durability applications or when additional security 
(such as holographic images) are needed. 
TILL -> The paper money and currency tray that holds money in a 
cash drawer. Tills are usually available in 4 or 5 till versions, 
available with lock and cover and are removable. 
TRACK -> One of up to three portions of a magnetic stripe where data can be written. 
TRACK 1 -> Track one is a “track” of information on a credit card 
that has a 79 character alphanumeric field for information. Normally a 
credit card number, expiration date and customer name are contained on 
track 1. 
TRACK 2 -> Track two is a “track” of information on a credit card 
that has a 40 character field for information. Normally a credit cad 
number and expiration date are contained on track 2. 
TRACK3 -> Track three is a “track” of information on a credit card
 that has 107 character field for alphanumeric information. Normally a 
credit card number, expiration date and room for additional information 
are available on track 3. 
Truncation -> procedure, which makes it possible to limit the 
physical displacements of a paper document, in the ideal version, by the
 bank of the first presentation, by the replacement by electronic 
transfer of entire or part of the information, which is contained on 
this document (check). 
Tipper -> a machine designed for use with PVC plastic cards to create raised print. (basically a plastic card embosser) 
UNIX -> UNIX is a terminal based operation system in which “dumb” 
terminals are communicating back to a “smart” processing unit or host. 
UPS -> An acronym for uninterruptible power source. A UPS is 
primarily used as a back up power source for computers and computer 
networks to insure on-going operation in the event of a power failure. 
Sophisticated units also have power conditioning and power monitoring 
features. 
UV INKS -> most commonly used to put hidden graphics and text on a
 plastic card. The inks are invisible until the card is subjected to a 
certain colored light (for instance, when placing a California drivers 
license under a black light the image of the California flag will become
 visible in green and orange.) UV inks are used as an aid in detecting 
counterfeit cards. They come in a variety of colors and can react to 
different colored lights. Desktop card printers are unable to print UV 
ink. 
VARIABLE DATA -> is information which changes with each encoding session or on a card-by-card basis. 
VERTICAL SCANNER -> See Projection Scanner. 
WAND -> A pen-shaped bar code scanner that emits a beam from the 
end or tip of the wand. Wands are older, bar code reading technology but
 inexpensive and still widely used where speed and performance are not 
crucial. 
WEDGE -> A wedge decodes “read” data (i.e. bar codes, credit 
cards) and communicates that information through a keyboard port on a 
computer. The keyboard plugs into the wedge and the wedge device plugs 
into the computer where the keyboard was. Sophisticated wedges can 
accept a few different peripheral devices. Also See Decode

Carding Carding Terms & Terminology

(Re-post from a carding forum online. I hope Dave Thomas “El Mariachi” can help clarify any questions or misstatements in this list.) ...