ADVANCED CARDING COURSE

1st WHAT IS A BIN AND HOW IS A BIN IDENTIFIED?

The acronym refers to the expression in English Bank Identification Number, which
means 'Number

bank identification.

The identification of the credit card BIN is very simple, it corresponds to the first
6

card numbers

The other numbers that make up the sequence are used to identify the individual account.

that is linked to that card.

Only the last digit is different; it acts as a check digit.

Therefore, there is a mathematical formula, called the Luhn algorithm, with which you can

You can find the check digit by playing with the other digits.

Therefore, if you do not find the same digit, it is possible to conclude that the card does not have

a valid number

Understanding the BIN

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The six numbers that make up the BIN or IIN of a card have important meanings.

for those who know how to analyze them.

The first digit, for example, is the primary industry identifier.

Thus, it indicates the sector of the company that issued the card.

2nd What does the card verification code mean?

The verification code is a numerical sequence found on all cards.

It differs from other card numbers because it has no embossing and

tends to be a little more 'hidden', with smaller characters.

On Diners, Mastercard, and Visa credit cards, the code only has 3

digits and is generally printed on the back of the card, below the strip

magnetic.

For American Express cards, this is a 4-digit verification code that is

front of the card, generally to the right, above the number and the name of the holder
the card.

>>>

The codes may have different names, depending on the operator.

>> Visa Card - CVV2 (Card Verification Value 2) - there are three digits on the back
posterior of the

the plastic

Mastercard card - CVC2 (Card validation code) - also only three digits

printed on the back of the card;

>> Diners Card – CID (Card Identification Number) – code composed of

located behind the card;

>> Amex Card - CID (or Unique Card Code) - are different from the others and have the

code on the front of the card, consisting of 4 digits.

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LET'S NOW GO TO THE CONTENT OF BIN TYPOLOGY

The issuer identification number (IIN) is the first digits of a number of

payment card issued by a financial institution.

The issuer identification number is unique to the issuer and its network provider.

couple.

This helps identify the processing network used for card transactions.

The Card Verification Code (CVC) is the three or four-digit code.

credit card security and that it is not recorded on the card next to the numbers

front, preventing it from printing the receipt and someone without these numbers trying to

make a transaction with your credit card.

Visa, MasterCard, and Diners Club cards have a three-digit code located on
side

at the top right of the signature strip on the back of the card.

This number helps prevent fraud and protects the user from becoming a victim of any kind.
of

credit card fraud.

Every online transaction with credit cards uses this CVC to complete the operation,

providing a layer of protection that ensures the person must have the card in

hands to complete the transaction.

Card companies other than those mentioned above can use codes.
slightly different.

different for verification, with different names as well, such as the Code of
card security

(CSC), Card Verification Data (CVD), Card Verification Value (CVV or CVV2),
Card

Verification value code (CVVC), Card verification code (CVC or CVC2)

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(V code or V code), card code verification (CCV) or signature panel code
(SPC).

NOW LET'S GO TO THE CONTENT OF BIN TYPOLOGY

The issuer identification number (IIN) is the first digits of a number

payment card issued by a financial entity.

The issuer identification number is unique to the issuer and its network provider.

couple.

This helps identify the processing network used for card transactions.

What is an 'Issuer Identification Number (IIN)?

The issuer identification number is the first digits of a sequence of

created to provide a unique payment card identifier to customers.

The numbering system allows for a credit, debit, or other card to

the payment is identified as issued through a network of

processing by a financial entity.

The number is only used to identify the card's network and is not used for identification.

a specific product, service, or region associated with the issuer of the card.

Some places require you to be familiar with the types of cards, their limits, and how to use them.

Does the anti-fraud system work? The first digit of a credit card number is the

Main Industry Identifier (MII) (see ISO/IEC 7812), which represents the category
of

entity that issued the card.

The MII digits represent the following categories of issuers:

>> 0 - ISO/TC 68 and other future assignments of the industry

Airlines

4
>> 2 - Airlines and other future attributions of the sector

3 - Travel and Entertainment and Banking/Finance

4 - Banking and finance

5 - Banking and finance

6 - Marketing and banking / finance

7 - Oil and other future attributions of the sector

8 - Medical assistance, telecommunications, and other future powers of the sector

9 - National designation For example, American Express, Diner's Club, Carte

Blanche and JCB are in the travel and entertainment category;

VISA, MasterCard, and Discover are in the banking and finance category.

TYPES OF CREDIT CARDS

THE DIFFERENCE BETWEEN STANDARD, CLASSIC, GOLD, PREMIER CARDS

PLATINUM, BLACK, INFINITE

Visa and Mastercard are cards that offer benefits such as travel, restaurants, etc.

characterized by the initial number 4.

The Mastercard is a card that offers advantages such as exclusive discounts at plazas, and it is

characterized by the initial number

5.

Visa and Mastercard cards can be distinguished by different types, such as:

Standard cards

Classic Letters

Premier Cards

Golden Cards

Platinum Cards

Black Letters

Corporate Cards,

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Business Cards (New)

Infinite Letters

Each type of card has a specific feature, and different types of limits, and
values

initials.

Let's start with:

Standard Card - it is that card for people who are starting their lives with the

first credit card, very well known

Why do stores, electronics, gas stations, and shoe shops offer it, is that card?

aimed at people with limited resources, and their

the limit is a maximum of R$ 800.00.

Classic Card - it is a variation of the Standard card, it is when this customer already has
a

slightly higher purchasing power, but can only be requested by a bank, and
never a

store, but it still has a low maximum limit, they are for people who do not want

It often exceeds the values, so its maximum limit is 1.2 thousand to 1.5 thousand.

Golden Card - it is a variation of the Classic card, but they are already empowered clients.

slightly higher purchasing power, generally those customers who like

Gold cards are international, but their initial limit can vary from 1.5k to 2.5k.

thesis and most of the time, however its limit may alternate

and reaching the value of 4k, when the client requests an increase in purchasing power,

where something is usually checked and verified, so that card becomes a

prime minister

but with the name Gold, where it can reach up to 4k, or 4.5k.

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Premier Card - it is a variation of the GOLD card, however, it can be requested for
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options, one of which the client requests to increase the limit of their GOLD card, without
embargo

continues GOLD,

but in the system it is Premier, or you can request another card and this one comes Premier,

the values can vary from 3k to 4 or 4.5k, if the client requests to increase the limit, this

The limit can increase up to

30%, and its technical reserve can reach up to 15% of the exceeded amount.

Black Card - They are for people with higher economic capital who like to travel a lot.

without worrying about the value, generally those who have a Black, it's because he is the son of
someone

who has infinity, or who likes to have maximum control of costs, the value of Black

varies from 9 to 15k and can extend up to 18k at most.

Business card, 50% of the corporate limit, also aimed at companies.

As for the infinity card, it can reach up to R$ 1 million reais, used by

great businessmen, and mainly politicians.

Corporate Card, aimed at companies from 14,000 to 140,000 reais.

What is CASH BACK?

Cash Back is a reserve of balance used to defend ourselves against our 171 scams, all

Companies have cash back, but there are companies that have cash back.

high and others that have a low or nonexistent cashback, generally

they have a high cash back, allocating 10 to 20% of their profits to

resisting the blows of online fraud.

A classic example is the Ponto Frio site, which assigns 20% of its cash back to

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fraud

There are about 20 million reais allocated to fraud.

Examples of websites that have a high Cash Back:

Walmart, Ponto Frio, Netshoes, Sephora, Dafiniti, Privalia, Saraiva, Submarino, Centauro

Ifood, Uber, Google Play and others that I will talk about in the course.

Refund under:

Assign from 2% to a maximum of 8%

example: Casas Bahia, Magazine Luiza, Novo Mundo, these sites can contact

to try to reactivate the merchandise, which is why I do not recommend these sites.

FAKE SCREEN?

The meaning in English of false is a fake page created with the intention of collecting

your credit card or social media data.

The fake screen continues to be widely used in scam 171, as many people fall for it.
inattentive

easily in this scam, and the vast majority falls through promotions mentioned in
the means

social networks like Facebook, where the hacker reproduces an attractive ad for a
determined site with

an attractive price, the victim clicks on the website, makes the purchase and automatically
your data

they are collected.

Some sites for those who want to get free fake screens, but I advise you
that they don't do it.

download to their computers, I recommend that they go to the LAN house and do the test, and
never

enter your Google or Facebook details, if necessary, create a fake Facebook

and another personal Google account to access questionable sites.

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What is an ANGEL?

Angel is an SMS application that notifies credit card holders in

purchase and financial movement.

Angels are the biggest villains for the 171, because the angels make the CC.

blocked, even after the purchase transaction, since the cardholder canceled the
card.

STANDARD: the risk of having an angel varies from 5% to 10% or, at times, there is no risk.

but most of the time the risk comes almost to zero.

CLASSIC - the risk of having an angel varies from 5% to 10%, but also depends on the subject

above can be up to almost 0%, if any.

The risk of having an angel varies from 8% to 16%, but the cases of information
they are rare

I do not approve it, but everything has its risk.

The risk of having an angel varies from 16% to 30%, however it is a little more
common to have

Angel, it will all depend on your speed of approval and you approve.

on a super fast website, which is quick in its delivery, so that it does not decline.

>> PLATIO - the risk of having an angel is high, ranging from 30% to 50%, but it is already more common
in

they have, and around 15% of these cards have a visa verification token, or
Master card verification

The risk of having an angel is high and varies from 50% to 70%, but it is now more common.
in

they have, and around 40% of these cards have a token, so it's better that it is

consultable so that you don't have a problem.

CORPORATE - the risk of having an angel is very high, ranging from 70% to 90%, as it is
a

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business card, and about 70% has a token

BUSINESS: just like the previous criteria, but this is only released with the authorized token
for the

CORPORATE CARD, depending on the purchase amount.

INFINITY: this is an extremely high risk of having an angel, it is approximately

angel However, there are criteria on how to bypass this type of system.

A commonly used method is to call the operator with the details of the nozzle and ask.

the cancellation of the line, as if there had been a robbery, and then you will have chances that
you

the approvals are approved.

COURSE - HOW TO USE INFO CC

BY: @Tropa_DO7_Caterva

PART 2.

NOW LET'S GO TO ANOTHER CONTENT

TYPES OF FRAUD

>> ? CASH FRAUD

CARD FRAUD

FRIENDLY FRAUD

>> ? CHARGEBACK

Fraud exists and is a problem for your e-commerce, so you need to take action.

so that they are reduced.

Unfortunately, there is no formula that guarantees 100% that your e-commerce will not be

victim of fraud, but it is necessary to reduce them.

There are some effective tools for this.

Fraud prevention tools use neural networks and other intelligence techniques.

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artificial to analyze the information and decide whether to authorize the purchase or not.

We list the most common technologies in fraud prevention system tools:

Credit card security code validation: it requests the insertion of that

code on the back of the card.

This code may vary from one flag to another, but it's one more piece of data to test.

if the card is genuine and protects your store.

Purchase device tracking: this tool identifies the source of the

purchase.

In this case, an analysis of the geolocation of the person who is purchasing is carried out.

This works to check that the person is not in a country that could be
considered

to suspect.

This analysis can also be done for cities and states or any other parameter.

regional.

Address verification service: that compares the data entered by the customer
(how

delivery address) with those present in the database of the card operator and

from the bank.

They also compare the payment address with the delivery address.

>> Records in databases: from your company, the anti-fraud system, or even from

other companies.

In this tool, all possible data related to the profile of

customer, their history and other information.

If the information differs significantly, it is likely to be a fraud and the

therefore, the transaction is denied.

Definition of the degree of risk in the sale of a product: there are tools that

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they allow

define the level of risk in the acquisition of certain products, such as

mobile, so its "sensitivity" to fraud changes according to the probability of

fraud of the product in question.

GO TO DEFINITIONS

What is self-fraud?

This type of fraud occurs when the cardholder makes a purchase and receives the

product, but up to 180 days later he challenges this negotiation claiming that it does not

purchased, normally, is an attitude made of bad faith.

Unfortunately, this is a very common situation and cannot be identified by the

of electronic commerce.

Effective fraud and card fraud: similarities and differences

What is effective fraud?

Effective fraud, also known as identity theft, is characterized by the theft of

personal information of someone and the subsequent use of that data to obtain

economic benefits.

Scammers can obtain data such as RG, CPF, dates of birth, and details of

bank accounts and credit cards.

They then use the stolen data to carry out fraudulent transactions assuming

the identity of the victim.

The stolen information can be obtained through different sources, including

phishing, spyware, social media accounts, and even statements

old bank cards thrown in the trash without proper care.

The stolen data can be used to gain access to bank accounts or

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victim's credit cards or to open new accounts.

What is card fraud?

In general, card fraud refers to the use of stolen information from cards.
credit.

credit to make unauthorized purchases, especially in online stores.

Naturally, it also takes place outside the digital world, for example, a

wallet can use the stolen card in traditional businesses, such as stores,

supermarkets or restaurants.

However, with the widespread use of chip cards that require a PIN for
complete

In a transaction, card-not-present fraud is becoming increasingly common.

>> Main difference between card-not-present fraud and card fraud as we can see in the

The previous descriptions, these two crimes are not the same.

While card fraud can be part of cash fraud, the latter can cause

much more harm to the victim.

The main difference between both types of fraud is that card fraud is usually

it only affects one account.

Effective fraud, on the other hand, can lead to a much more serious credit problem, as
that the

The scammer can open multiple accounts and lines of credit using the name of the
victim.

After all, how does the fight against fraud work?

In a company that conducts fraud analysis, several validations are carried out with the

data sent.

Each company has its own system, so the entire process may vary depending on

each antifraud.

There are two fraud analysis workflows, automatic analysis and manual analysis.

Automatic analysis:

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Some verification routines are performed, such as analyzing the buyer's data.

credit card and, in some cases, even the shopping cart and the
store that

is selling the products.

Manual analysis:

This process is generally based on a visual analysis of the data and confirmation.

of the buyer

This confirmation can even be done generically by phone, the system

analyze the buyer's data, social media, the purchase amount, the location, and,
very

important, the consumer's purchase profile. Cross-referencing this data will indicate if

a customer is legitimate or not.

Why do frauds occur?

Frauds occur due to a large number of information leaks.

There are hackers specialized in stealing personal data on the internet to carry out

this type of scams.

They steal information from legitimate clients (name, CPF, address, data from

cards...) and use them to shop online.

In the physical world, the customer must enter their password, which is authenticated in a
machine

(POS), to confirm a purchase.

In the virtual world, this password is replaced by the CVV (verification code), which
they are the 3

numbers on the back of the card.

However, the CVV can also be stolen, so fraud is more common in

virtual purchases.

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Identifying whether the buyer is indeed the true cardholder is a challenge for

many merchants.

Although the main victim is the person whose data was stolen, the merchant
also

loses with the fraud.

This happens because when a customer does not recognize a purchase, the merchant suffers.

counter cargo

What is a chargeback?

Chargeback is the name that the online sales market gave to the reversal of a sale.

made by cards.

A defrauded customer can sue the bank by reporting the non-recognition of the
buy, and

the store must refund the total amount of the order.

This refund of money is what we call a chargeback and can occur for various reasons.

reasons.

It is possible that the client has had their card stolen, had their data cloned, or that the scammer...
have used the

own data and simulate a fraud.

In many cases, the product has already been delivered and the retailer loses both the product
like the money from the sale.

In all cases, the merchant is harmed and has to bear all the costs.
from fraud.

NOW A QUESTION, WHY DO WE HAVE TO LEARN THIS? WHY

DO YOU KNOW THE ANTI-FRAUD SYSTEM??

Because there are very complex anti-fraud systems that leave you with

anger, wasting time and wasting money.

Because there are sites that cause the card used in the fraud to be blocked here.

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I will teach what anti-fraud systems we need to be careful with.

These are the beginnings of the world 171.

92-HOUR COURSE - HOW TO USE INFO CC

FOR: @Tropa_DO7_Caterva

PART 3

CONTENT

NOW THAT WE HAVE SEEN A LITTLE ABOUT THE TYPES OF FRAUDS, LET'S TALK

NOW A LITTLE ABOUT THE FRAUD SYSTEM

MANY ASK ME WHAT IS THE IMPORTANCE OF KNOWING IT,

THAT'S WHY I SAY, THE IMPORTANT THING IS THAT YOU MAKE AN APPROVAL OF

QUALITY KNOWING THE ENTIRE SYSTEM THAT IS FUNCTIONING IN IT

RESPECTIVE WEBSITE YOU ARE ACCESSING.

AS WE HAVE SEEN, I SAID A LITTLE ABOUT WHAT IT IS, THE ANTI-FRAUD SYSTEM, OF

EHUB, THIS INTERNET ANTI-FRAUD SYSTEM HAS SOURCE CODE

SEALED AND ENCRYPTED THROUGH ROBOTICS ALERT, WHAT ARE THEY

IS THAT ROBOTICS?

THE ROBOTS ARE VIRTUAL NANO ROBOTS THAT SPREAD ON THE INTERNET,

WHETHER THE WEBSITE OR EMAIL PROVIDER HELPS TO PROTECT ITS

POSSIBLE THREATS OF INTERNET FRAUD, IN ADDITION TO BEING A

FLAG OF PROBLEMS REGARDING THE DATA YOU ARE USING, AND

IF THIS DATA IS TRUE, OR IF ANOTHER PERSON HAS ALREADY USED

THIS DATA ELSEWHERE.

BECAUSE THESE ROBOTS WORK IN JOINT ACTION WITH A BANK

OF DATA, PROVIDED BY LARGE CONTENT SERVERS, WHERE

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MATCH WITH THE INFORMATION OF THE ONE WHO IS USING THE NAME OF

ORANGE, TO KNOW IF THIS INDIVIDUAL IS REAL OR A FRAUD.

>> MARRY THIS INFORMATION WITH THE WEBSITE.

>> CITE AN EXAMPLE HERE

PONTO FRIO WEBSITE

You buy a cellphone with the name of the mysterious orange calling, an example.

Carry out the entire purchase and approval process, and this record of the mysterious remained in

approval review.

Because if you went to the analysis, you already know that the site has robots, so it will do the

copying data in the database that are connected to each other.

So, when you enter the site, it automatically releases robots, you can

make a test and make sure to have a robot as a speaker.

All you have to do is use a VPN and you will notice that on the Ponto Frio website,
he has the VPN

on, the site will not open because it forces you to be defenseless, so that I can

correctly read your location, thereby releasing tracking cookies for

identify whether a purchase was made within the next 24 hours, which is why the need
of

Daily cleaning of mobile or PC

After entering the analysis, the anti-fraud system mode 2 is activated, where it will be

Your data has been verified, and then someone will contact you, and the approval may

take an average of up to 3 business days.

If your purchase is pending payment, it means that robotcs did not find

nothing that harms your record, it's like a prepaid.

Then you will receive an email informing you that your payment has been pre-approved, and

this is good, but the system will give an average of 12 hours or at least 2 hours, for

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to know if there is an error in the data validation due to the cookies of

following.

So let's suppose you forgot to clean your PC while carrying out the procedures,

cleaning services, and you access the Casas Bahia website, with the same registration called

Mysterious, at this moment, the robots will activate again and monitor your data.

at the exact moment waiting for you to make a mistake, and then you make another purchase, remaining

with the same credit card, used in the previous store, so at that moment
exactly what

you enter the payment details, your order that had been placed automatically

at the cold point, it cancels out at the same time, and you lose, both at the cold point and at the
house

Bahia, and the card becomes unusable, as the system itself burns out the card operator.

claiming that it is a fraud.

Now another case, let’s suppose he cleaned the PC carefully, took the

due care, but the robotc activates anyway, because it is matching its

information with the database.

However, he made a purchase on the Casas Bahia website, which belongs to the Pão group.
of Sugar, owner

Ponto Frio brand, but you did it with a different card, automatically your other
product

that was pending payment, changes in the payment analysis, since the system will have

to make a deeper inquiry into the data you input into the system,

regarding the purchase of the product.

IT IS IMPORTANT THAT YOUR DATA IS COMPLETE, THIS IS A RECORD OF

ORANGE THAT HAS A GOOD SCORE, AND THAT IS NOT IN THE SPC OR SERASA.

After that, your product will be analyzed, and at that moment they catch you off guard.
why

they will call you at the most opportune moment and they will ask you questions at a tough level,

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really hard questions that only the orange would know, and then you take a moment to
answering, you stutter,

or to ask to wait, at the same time they cancel the card. Or in some cases to ask

that you send a photo of the front of the card, that's why it's important to be smart.

HOW TO PREVENT THIS FROM HAPPENING?

Never buy from sites that belong to the same group of companies. Never do the same.

Registered for a single store. Because if you are going to access a store that belongs to a
group of

Companies always try to use different inputs, different Cc, never the same.

And always keep your antivirus up to date, and ensure proper cleaning in the

history of your computer.

Whenever you are going to make a new record, always at the end of each operation, perform a

cleaning the computer history, run the antivirus and restart your modem to
change the

IP of your machine.

Format your machine every 3 months, so it is always in top condition.

to work.

Or change your computer every 3 months if you prefer or change the HD every 2 months or

monthly, the more care, the better.

CONTENT ABOUT TRACKING COOKIES, WHAT THEY ARE AND WHY

Should I be careful?

>> Information about tracking cookies:

The main purpose of cookies is to identify users and possibly prepare

custom websites for them.

When you enter a website that uses cookies, you may be asked to complete
a

form filling providing information such as your name and interests.

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This information is sent to your web browser as a cookie file.

The next time you access the same website, your browser will send the cookie to

Web server.

The server can use this information to provide you with personalized web pages.

Tracking cookies, like regular web cookies, are small files for
text that

they are placed on the hard drive of your computer when you browse certain websites.

The difference is that tracking cookies are installed on your computer even when

do not visit the site that provides the cookies.

Tracking cookies secretly monitor your web browsing activity,

track personal information and must be handled.

Find out what types.

Session cookies:

They are created and stored temporarily during a browsing session in a

site and are deleted from the user's device when the browser is closed.

Fundamental for the operation of systems where the user has to navigate from
a

page by page, like online shopping and classes, so the account details

and other preferences are not lost during navigation.

persistent cookie also known as tracking cookie:

Advertisers constantly use it to record information about habits of

browse the web for a specific period of time.

In addition, these cookies are used to help improve the user experience,

store your preferences (such as language, recent search topics)

so that they can be remembered on a future visit.

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Unlike the session cookie, this type is not deleted after closing the browser and

yes on a date or after a specific period of time.

Built to track a user's behavior

Third-party cookies:

They are created from a different website than the one accessed by the user.

Most of these cookies are managed by large corporations specializing in

digital marketing or large private user databases.

They are used by the sites accessed as a source of ads or searches.

A single website can deposit dozens of third-party cookies on your machine.

These cookies are considered the biggest threat to user privacy.

THEN YOU ASK YOURSELF WHY I HAVE TO KNOW ABOUT COOKIES OF

FOLLOW-UP AND HOW DOES IT RELATE TO APPROVAL?

I WILL PUT FORWARD SOME REASONS WHY WE SHOULD BE CAREFUL WITH

TRACKING COOKIES, LET'S SEE IF THIS HAPPENS TO YOU WITH

FREQUENCY OR IT HAS ALREADY HAPPENED.

First, your computer is slow even after formatting.

Your computer takes a long time to load web pages and sometimes it
block

Your computer shows many ads from the stores I frequently visited, or

I approved something.

>> 4th You cannot make the approvals because the system blocks the account, or

suspend the payment method.

Your computer overheats a lot and processes data at the time of approval.

there is an error.

LET'S ANSWER EACH QUESTION NOW WITH LOGIC

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1st - the computer when it is full of these tracking cookies, and when

do not forget to run a good antivirus on your machine, or a good antispyware,

your machine is slow, even if you format your machine, it will improve little

what, and shortly after the problem reappears, making its approvals more difficult in addition to

that you start to disapprove your approvals out of nowhere, because of the tracking cookie

sent information about the use of your computer during the time you carried out the

approvals, that is enough for the website's machine to identify your disk ID
hard and

automatically cancels everything you have approved, making you furious.

In my case, I always change my computer every 4 months, and I format it.

monthly, so that these unwanted cookies do not get installed on my machine.

I am going to mention some precautions you should follow to prevent this from happening.

Clean your machine frequently before shutting it down, use a good antivirus.

I prefer a paid one, with up-to-date updates, please recommend a good antispyware.

updated, and when you finish do a quick clean of your mobile with ccleaner, this

90% prevents these naughty things from infecting your mobile.

2nd When the mobile is at this stage, it means you have to change your IP.

because you will have issues with your approvals, even if you do what I mentioned

Up in relation to care, it has no effect, because if he is like this, why

you did not take adequate care, so you say: But I used the cc cleaner and cleaned the

history. Oh, I tell you, this is not enough, it has to be every day, it has to have the

Be careful with your tool. Always try to update your cleaner.

And that would be everything for today, I hope it has been useful to you.

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