Greetings to all! I decided to write another article about the carders entirely, and what to do if you “shod”. First, let’s talk about the hospitality carders, as well as define what carding and in what respects this phenomenon today is the law.
So, first of all, each card holder (kardholder) must know that his card, he should treasure it, keep a secret PIN and other data. But often these very simple measures is not enough.
I will not delve into the banking terminology. Present a vision of the issue on behalf of the carders, outlining all of the maximum of public language. In general, the carders – people involved in frauds with plastic cards. One must realize a simple thing, sometimes even such banal operation as withdrawing cash from an ATM, could end in tears for your pocket. Purpose of the article – pre-show, what do you still run the risk, and be ready for action.
First I’ll tell you about the most common ways of taking possession and holding of unauthorized transactions with foreign cards. These methods of its implementation, are as primitive and even, often funny, but there are also thoughtful when Carder advantage to special technical means.
The most common way – this production of card details in order to further use them for shopping in online stores. Copy of the map at the same time do not necessarily, and spend other people’s money is very nice, is not it? The next way – is to copy credit card with special software and hardware are in cahoots with the employees of the store. In Russia, this method is the least most common, as here, there are many nuances. For example, check the documents for authenticity card holder, compare the signature, call the bank that issued the card (issuing bank). Another approach is a very rare – collusion with bank employees. People working in banks, can provide (or sell) the information carders. And this, alas, no one is immune.
But there are more savvy carders. Some of them are installed on the ATM web cameras, which typically transmit video signals over the air, which eliminates the need for storage space in the chamber. After all, it will inevitably lead to large power consumption and short work “of an eye.”
Also, there are funny cases. For example, in my mind it was rumored that the “crooks” were installed in places with large crowds their portable ATMs. Yes, you heard right, it’s not a typo, device, apparently indistinguishable from the real ATM. I note that this method is very expensive, but the faithful one hundred percent. ATM, of course, does not work – it just reads the necessary information from the card. One fine day as a teller simply removed. You can also arrange a fake electronic kiosk to pay, such as cellular communications. And, of course, it will be realized the possibility of paying by card.
Today in Russia, the magnitude of the carders are small. Perhaps due to the fact that most Russian carders do not work in the country where they live. This kind of moral principle, and on the other hand – a pledge of security: norazdo less likely to be caught by our valiant bodies.
While I explained to the abstract of the most common methods of fraud, without delving into the terminology, good article is written mainly for the simple “death” so they can focus on the issue. I would like to talk a bit about the carders in general. You’ve probably thought about the question “Who are these carders?”, “Why do they do it?”, “Is whether they have any principles?”. These and other questions I’ll try to explain.
Carder – is, first and foremost a man, well who owns a computer, so to speak, at a level above the average. What motivates people to such specific type of earnings, I do not know. Probably, it is everyone’s business – as well as earn a living. I note that the carders are divided into so-called implicit category. Next, I will bring these categories down the hierarchical ladder.
In the first place – the so-called “gurus”. Perhaps this word sounds too challenging, but I think that after written below you agree with this definition. It is well known, respected and revered by people who are all trying to emulate. In whose opinion is considered to be, and whose words are perceived almost as an axiom. This is a very experienced people, often with higher education (and not one), though there are so-called “self-taught.” As a rule, they do not have to bother to work for them do those people whom they themselves hired (mostly beginners carders), and they bring them good income. These people possess an extensive knowledge. They are of a kind pro karderskogo cases in their arsenal – the best remedy, and the most sophisticated methods of cryptography.
Such people – pros around: this applies to banking institutions and services. Also, there are experienced programmers, who bring their income “creation.” Believe me, the income of such people is fabulous figures. These people deserve recognition in their society, as a kind of “elite carding.”
Next come the experienced carders, then there are those people who earn decently in his craft, and have mastered all the “charms” carding perfectly. For such people are working newcomers. As in the first case, it is people with an impeccable reputation in the community. Yes, again I did not misspoke, carding meant by a society (community) with the moral and ethical framework regulations.
Next come the people for whom carding – is a kind of hobby. This is mainly experienced people with a job and then not one. Such people are very, very much. They are quite well oriented in space carding, but to the higher layers of them still far away.
And so we got to the very sore topic, it is – beginners. I do not think it necessary to explain who they are. These are people, so to speak, “interests” and the vacillating between law and money. Most of them initially pondering tactics and trying to navigate in what area carding they will work. And as it should in a civilized society, helping older younger.
It should be noted that it is the newcomers, most often caught by our security forces. Most likely, this is the result of naivety and recklessness, a desire to make quick money, having spent a minimum of time and money, ignoring any means of protection. I note that the age limit of people ranging from 15 to 18 years and rarely passes for 20. That is mostly schoolchildren. Often these people do not even have a basic understanding of the law.
And finally, as in any society, there is a kind of negative – it’s “Grifters.” In other words, people with minimum knowledge just choose not to bother with something as banal “bubble cut” one of the most heinous and at the same time, the ancient way – cheating their comrades. But the action of these people community of carders trying by all means stop and do everything possible to such representatives is getting smaller.
In sovem rasskazaze the hierarchical ladder Carder community I did not mention some of its other representatives who belong to the so-called “family.” It hackers, programmers, lawyers, designers, but we will discuss in other articles.
As I mentioned earlier, push people to engage in carding different reasons. Basically this is, of course, financial problems. You must agree, they all want a beautiful life: to ride a beautiful car, live in luxury … who do not want? Why is it for the Russian deystvietelnosti all this is particularly true? There may be many different opinions.
Perhaps because of the specific mentality of Russian people. You must agree, all say “democracy, democracy, and we – the most that neither is capitalism. And looking at the rich and successful, awakened the desire to live as they are, at least for a while. Why can they live, and we can not? After all, it turns out that there fraud, and here. Only some of them do not shun morality and principles. Maybe this particular misunderstanding and on nedolyublivanie alien superiority? All these feelings have arisen during the collapse of the Soviet Union and further division of the former sovetstskoy property, but in the new Russia.
Basically, the aim of Russian carders is America. Recently, however, suffers from us and Europe. Why? And because of that everyone decides for himself how and where it is better to “work”, and guided by its principles. In carders have their secret code of honor that everyone understands their own way. You might think that the carders – a people devoid of any notions of justice? If you think so, you are mistaken. We (carders) often help to orphans, disabled, and just to those who need it. Suppose that not all people, but for someone to be our aid felt.
Examples like this abound, but the details I will not go. Just someone, such assistance will help ckrasit life, but for someone – it may be the only chance to continue to live. So what-what, but abhor the money for the needy, we will not. Suppose that, of course, everything goes behind the scenes, but we do not need the publicity, since the specifics of our craft. That is why such facts are never publicized.
Deal with us (with carders) is not so easy. The Russian legislation is full of holes and nuances that we often use. A force structure sits in the offices of his pants and biting his nails because of their inability to affect us! While there is an Internet and information technology will we do, and hackers, and other such people. Demand, as you know, always gives rise to the proposal.
If a counterfeiter most importantly – to forge picture on the banknote, then carders – copy of the information contained on the magnetic strip credit cards. Moreover, this procedure does not require any special skills – sufficient to be able to use the usual computer and have some software and hardware to put on a strip set of codes for which any ATM anywhere in the world will read what the customer in front of him, in which bank account he has and how much money it is.
This package of information we have called the dump. Dumps are stored in banks or companies providing work of the international payment systems. They are fenced off from prying eyes by dozens of protective programs with a password known to a very narrow circle of persons. Carder must somehow get into the database of the bank. Therefore, it is easy to guess that without an accomplice on the other side “window” he can not do.
If you are a victim of carders – do not despair. Despite the seeming hopelessness of the situation, you have a good chance to recover their money. The first thing to do when you discover the loss of his credit card – is to call the bank and block it. Often in agreement on the issue cards Russian banks say that after allegations of missing / lost cards are the financial costs borne by the bank. So you should hurry, as soon as possible to inform the bank about the loss.
If you have a stolen card, the less time you give the offender, the more money in the account you have left. May be a case that you as a bona fide cardholder keep it to yourself, do not perform any operations, and suddenly the day has come by-statement, you are surprised to notice that the funds on your card “diminished.” In this case, you immediately call the bank, and to report suspicious transactions. Until the card is not locked, there is a greater risk of repeat transactions as fraud became known details of your card.
Then you go to the bank and write a statement of disagreement with the transaction. In a statement, but standard data (name, surname, middle name, contact information, such as your credit card, its number and expiration date), you’ll need to specify the currency and the amount of the challenged transaction, the date of the transaction and the number in the payment system. In addition, it is necessary to have data about the name or code of a shop or terminal, where the operation is performed. All this can be found in your account statement, which should take with you.
Once you sign the application, the bank will take it into consideration. First Bank will seek to establish who is responsible for the fraudulent transaction. The second variant, when it may be found guilty of issuing bank that issued the card for a client or acquiring banks serving retail outlet, where the operation was carried out. On acquiring banks responsible for fraud lies, if “his” store paid the stolen your card and still the signature on the check clearly not similar to yours. In this case, the bank must return the stolen amount, and will continue to deal with a shop or restaurant, whose employees serve scams. In addition, the acquiring banks are responsible for the operations conducted on the Internet.
Much less likely to return the money if the responsible party will be recognized by the issuing bank. This happens, for example, when the check is signed, even remotely resembles yours. Typically, in such situations it is the responsibility of the issuing bank. And he, according to the agreement on the issue cards, has the full right to refuse the claims of all transactions performed before blocking the card. Often, banks do not want to lose customers and to wash dirty linen in public. The money will be refunded only if the bank will not be the slightest doubt your honesty.
And these doubts may arise if, for example, you have previously accessed the bank with a statement about the fraudulent transactions. But an important point, the chances of compensation for the stolen rise if the money were withdrawn from an ATM of another country, and while you will not leave. In this case, the statement of claim must attach all documents that could confirm that this operation you are physically unable to perform. Fit-signed checks for card transactions at this time (they will confirm that the card is with you), medical certificates, proof of employment, etc. But if you consider your application was denied, it is still too early to despair, we must boldly go to court.
According to the “Regulations on the procedure of issuing credit cards and banking organizations, the settlement of transactions made with their use” in any document evidencing the transaction on the map, should be the customer’s signature. And the bank has no right to deduct from the account of the cardholder money if this document there or whether it was tampered with. In this case, the court is likely to take the client side, without taking into account any items of the contract.
If the challenged transaction was carried out, say, an ATM or via the Internet (right now many banks offer cardholders to manage their accounts via the Internet), then the signature will serve as a PIN code or a special e-numeric password – an analogue of a handwritten signature. Challenge in court the transaction, signed in this way is not easy, but possible. After all, according to Art. 7 of the Law “On Protection of Consumer Rights, a consumer has the right to grant him safe services.
It is in this article refers to the client, which our bank has refused to compensate the stolen money. In this case, the client, such service was not provided because the fraudsters have managed to forge a card. And the court ordered the bank to return the stolen money. So in these cases suffer from the actions of carders mostly banks.
Russia has seen an increase in the number of electronic attacks on information resources of banking institutions. So how do you make sure that the carders captured your data? The question is relevant because more and more people are using bank cards. Often find it can be only one way – it’s pay card at the store or try to withdraw cash from an ATM. Then it may emerge that, to your surprise, the money disappeared from the map.
As I wrote earlier, especially in such a situation should not apply to the police a statement about the theft or loss of cards and your bank to ensure criminals was not possible to continue to enjoy dennami with your card.
According to bank employees, copy cards (dump her) – the most common and painful for the banks’ phenomenon. There are several countries that are most vulnerable in this regard. This is Australia, Bulgaria, Chile, Hong Kong, Indonesia, Malaysia, Mexico, Singapore, Taiwan, Thailand, Turkey, Ukraine and South Africa. But for the Russian holders of the most important are a favorite vacation spot – Thailand and Turkey. Oddly, the area of special risk for the Russians in this regard has become close to us, and Ukraine.
Moreover, in addition to copying the magnetic strip, fraudsters know PIN-code of the cardholder. Typically, this occurs when the holder uses his card at an ATM. According to unofficial information, this proved to be involved with the Ukrainian banks and processing centers.
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