CREDIT CARD TRACK 2 DATA GENERATOR INSTALL
Instead, they install remote access software so that one technician can service dozens of clients in a day. Integrators can have anywhere up to thousands of customers so they don’t want to send out a technician every time a client needs a menu item removed or there’s a problem with a terminal. Frequently, they are responsible for all of the setup and maintenance of small business IT systems.
CREDIT CARD TRACK 2 DATA GENERATOR UPDATE
Integrators sell and set up the POS systems that help merchants track inventory, seat customers, update menus, and receive payments. They rely heavily on businesses called “integrators” that sell and install custom POS systems. Your local restaurant may make delicious tapas, cocktails, bacon double cheeseburgers, or pizzas but in most cases they know little or nothing about information security. Unfortunately, the weak link is the merchants themselves. The banks and card networks spend millions of dollars a year on security. In almost all cases, the data is transmitted securely. From there, the transaction follows the same process Chris discussed in part 1. The BOH takes the payment details and the track data from the card, encrypts it, and sends it out for authorization. This is usually referred to as a back of house (BOH) server. These terminals don’t actually process payments they send the data to a central server located elsewhere in the restaurant. Generally, a business will have two or more terminals where employees enter orders and take payments. Instead, the majority of cardholder data theft occurs after a cashier runs your card through the point-of-sale (POS) terminal. (Unfortunate because it’s easy for law enforcement to catch people with physical skimmers). Many people think the primary source for stolen payment card data is when employees of restaurants or other merchants take possession of customer cards and skim them with a small handheld reader like the one shown below. But how does someone get hold of that information in the first place? Do they have to physically have your payment card in their hand? So if you have either Track 1 or Track 2 data from someone’s card, that’s all you need to make a fake card and start spending. Here’s a breakdown of the data on the stripe:
I’m only asked for my ID about one time in five. Even though all my credit cards clearly say “SEE ID” in the signature field. Some cashiers will check an ID if the name that pops up on the screen is obviously not the same as what it says on the card, but it’s rare. In fact, the cardholder name field is inconsequential to processing a transaction. It’s all a counterfeiter needs to produce a fake card. Most credit card payment systems use Track 2 to process transactions. Track 2: all of the above except the cardholder name. Track 1: the cardholder name, account number (PAN), expiration date, bank ID (BIN), and several other numbers the issuing bank uses to validate the data received. Chris Brewer explained track data in depth in part 1 of this series. A standard magnetic reader can read data from one of three stripes or “tracks” on the back of your card. The data used to produce counterfeit cards is called “track data,” and it’s stored on the magnetic stripe on the back of your credit card. Most of it you can even buy on eBay or Amazon. It’s also really easy to get a hold of the counterfeit plastic cards, embossers, printers, and hot foil stampers you need to complete the job. The data needed to create a counterfeit card is surprisingly easy to obtain. This type of fraud is called “card present” because someone, somewhere in the world has presented a counterfeit payment card to a vendor. How does this happen? DIY COPY CREDIT CARDS You’ve never been there, but apparently your credit card has. You’ve just gone to eat at your favorite hometown restaurant and 48 hours later you notice charges on your credit card from Dushanbe, Tajikistan or Ouagadougou, Burkina Faso.
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