307 lines
13 KiB
Plaintext
307 lines
13 KiB
Plaintext
Credit Card Fraud
|
|
|
|
By: =-= Phreaker =-=
|
|
|
|
January 5, 1991
|
|
|
|
|
|
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
|
|
|
|
Covered in this text:
|
|
|
|
I. What is it?
|
|
II. How does one get started?
|
|
III. Where does one get the numbers?
|
|
IV. Where does one call to get the limit on the card?
|
|
V. What do the numbers on the card mean?
|
|
VI. Where and how does one order?
|
|
VII. What should my limit on the order be?
|
|
VIII. Where should I send the order?
|
|
IX. Where should the order be delivered and when do I pick up the order?
|
|
X. What do I do with the merchandise?
|
|
XI. What should I do with the numbers?
|
|
XII. Warnings, how can I tell when the Police and Feds are in my area?
|
|
XIII. Future Editions.
|
|
XIV. DISCLAIMER.
|
|
XV. Boards to call.
|
|
|
|
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
|
|
|
|
PART I: What is Credit Card Fraud?
|
|
|
|
Credit card fraud is defined as such:
|
|
|
|
When a person uses anothers credit card for personal reasons
|
|
while the owner and the person responsible have no notion of
|
|
the fact that another is using their card. The person that is
|
|
using the card has no connections with the other parties and
|
|
has no intention of repayment nor contacting the person that
|
|
owns the card that the purchaser has used.
|
|
|
|
Credit card fraud is not so common thing. Sure, it happens all the time
|
|
all over the place, but is not publicized. If it were to be publicized that a
|
|
fraud has taken place on another person, but the thief was not caught, everyone
|
|
would be doing it to another.
|
|
|
|
It is also possible that it can be done to ones self. I will elaborate
|
|
on that topic later on in the text.
|
|
|
|
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
|
|
|
|
Part II: How does one get started?
|
|
|
|
A person can get started easily. All you have to do is get someone's
|
|
numbers and call a place and order something. It is as easy as that. Not much
|
|
to it. There are some risks tho.
|
|
|
|
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
|
|
|
|
Part III: Where does one get the numbers?
|
|
|
|
The numbers can be obtained from many sources. One source that is
|
|
commonly used is the BBS. Some bbs's contain cc #'s. The only problem with
|
|
getting a number from a bbs is that the odds are that someone else has already
|
|
used it making in almost impossible to use again. Once a number is used, it should be discarded because the person that own the credit card knows that it
|
|
has been used because they see a purchase that has not been made by them or any
|
|
of the other owners of the card.
|
|
|
|
Another way that one can get the numbers is by trashing. Trashing is
|
|
when one goes to a shop that accepts credit cards and looks for the carbons
|
|
or purchase orders that have been made via the credit card. Flower shops and
|
|
computer stores are great for this. The best time tho, is around Christmas
|
|
time due to the influx of purchases that have been charged. Flower shops are
|
|
the best to go and look through around the holidays. Whether it be secretary
|
|
day, Valentines Day, New Year, or any other holiday because there is a mass
|
|
influx of orders that are taken over the phone and are charged via credit
|
|
cards.
|
|
|
|
And yet another way is to work at a place that accepts credit cards.
|
|
A place like that is invaluable. One can look at numbers and remember them so
|
|
that after a customer that has just purchased an order using a credit card, you
|
|
can either look at the copy that the store keeps for records or try and
|
|
remember them and jot 'em down on a piece of paper. Just do not let your boss
|
|
or any of your co-workers see you doing this.
|
|
|
|
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
|
|
|
|
Part IV: Where does one get the limit on a card?
|
|
|
|
There are places in each area that contain the current limit on each
|
|
card that is owned. The best place to get the number for your area is to go
|
|
to a store, watch someone make a purchase and watch the clerk call the place
|
|
for verification. Or you can call a company and pretend that you are the
|
|
person that owns the card and ask what your limit may be. But the most common
|
|
method is to just try and place an order and not worry about the limit and just
|
|
hope that it clears.
|
|
|
|
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
|
|
|
|
Part V: What do the numberson the card mean?
|
|
|
|
The numbers on each of the different cards are as such:
|
|
|
|
MASTER CARD:
|
|
5XXX XXXX XXXX XXXX
|
|
xxxx MM/YY-MM/YY
|
|
NAME
|
|
|
|
VISA:
|
|
4XXX XXX XXX XXX
|
|
MM/DD/YY - MM/YY
|
|
NAME
|
|
|
|
4XXX XXXX XXXX XXXX
|
|
MS MM/YY - MM/YY
|
|
|
|
AMERICAN EXPRESS:
|
|
|
|
3XXXX XXXXXX XXXXX
|
|
MM/YY - MM/YY
|
|
NAME
|
|
|
|
|
|
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
|
|
|
|
Part VI: Where and how do I order?
|
|
|
|
The best place to cc is over a fortress phone. A fortress phone is a
|
|
public pay phone. To get the numbers to call to order is through any catalog.
|
|
The majority of the products that are cc'd are through the phone.
|
|
|
|
The how in the question is a bit more complex. That is not really
|
|
saying too much, but here we go. You must be in a place that has more than one
|
|
phone there. A mall is good, but it can be too noisy. I suggest a place that
|
|
is located in the boonies, but near a gas statin. Since gas stations seem to
|
|
usuall have like two phones there. The phone that you are not going to use,
|
|
take off the hook, call from the other one. When calling, act mature, but not
|
|
faking mature. Talk responsibly and talk as you usually would, but with respect
|
|
to the person that you are talking to.
|
|
|
|
If a problem would develope between you are the person that you are
|
|
talking to, do not, I repeat DO NOT hang up. I suggest that you bullshit your
|
|
way out of the situation. Say that your wife/husband may have made a purchase
|
|
that you are unaware at the present time.
|
|
|
|
NEVER EVE give them your real name. Make up a name that is like, Tony
|
|
Dontell. That is a name that they can belive. Just make sure that the last name
|
|
that you use matches the one that is on the card. If you are female, you can
|
|
say that it is your dads card. If you are a male, say that it is your mother's
|
|
card.
|
|
|
|
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
|
|
|
|
Part VII: What should my limit on the order be?
|
|
|
|
I would personally say that you should purchase only what you need and
|
|
not what all your friends want. Keep your purchases small and one that you
|
|
could sell easily and then purchase the stuff that you sold legally. This way
|
|
if you do get busted, you cannot be proven that you purchased the stuff
|
|
illegally because you can prove that you purchased the stuff in a legal manor.
|
|
|
|
Also, say that you wanted to purchase a computer using a stolen CC #.
|
|
What you really have to do is order a stripped down system, no monitor, one
|
|
drive, no hd, etc... Get the system. About a month later, purchase the drives.
|
|
Lay low, and about once a month, order a new item. In time, you will have a
|
|
complete system and be happy with it and a minimal chance of getting busted.
|
|
|
|
Also, ask the person that you are talking to about how long it will
|
|
take until you recieve the package via regular UPS.
|
|
|
|
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
|
|
|
|
Part VIII: Where should I send the order?
|
|
|
|
That is an easily answered question, to an abandoned house. Or it is
|
|
possible that you can scope out a house, learn when the people that live there
|
|
go to work and such, and order the item so that it arrives while they are out
|
|
and then go get it. But beware, the neighbors are sometimes nosey and will
|
|
watch a house, so be careful. Dress like you would normally and just act
|
|
natural. A person is more likely to remember a person that looks suspicious
|
|
than a person that looks like a normal person.
|
|
|
|
To find a house that may be abandoned, look in a Homes For Sale paper.
|
|
You can usuall find them at any Supermarket or Diner. Get one and look through
|
|
it. Odds are that most of the homes that are in there are abondoned and are
|
|
ripe for getting items mailed there.
|
|
|
|
Send the order via regular UPS. Watch the place until the day that the
|
|
package arrives and go get it about 20 minutes after it gets there. Never send
|
|
a package via overnight delivery. Overnight UPS require a signature for the
|
|
delivery, regualar doesn't, tho.
|
|
|
|
If you decide to use an abondoned house, make sure that the house looks
|
|
like there is someone residing there. Leave a note on the door stating that
|
|
you sorry that you could not be there to recieve the package and ask the person
|
|
to leave it on the back patio or porch.
|
|
|
|
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
|
|
|
|
Paty IX: When and how should I pick up the order?
|
|
|
|
Pick up the order as soon as possible. Look like a normal person. Do
|
|
not dress so that a person cannot see what you look like. The odds are that a
|
|
person will notice you and try to remember little things that could point to
|
|
you.
|
|
|
|
Never choose a place that is close to home. The place should be a good
|
|
10 to 20 minutes away driving. This way noone will know who you are and
|
|
chances are that they will not recognize you.
|
|
|
|
If and when you go to pick up the order, say that the place that you
|
|
ordered the product just called you and said that there was a ix-up in the
|
|
mailing department and your package was sent to the wrong address. Say that
|
|
the company had a computer crash and some of the addresses got mixed up.
|
|
|
|
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
|
|
|
|
Part X: What do I do with the numbers?
|
|
|
|
The numbers that you have should be kept on disk and not on paper. When
|
|
you keep them stored on disk, you can destroy them easier than if you were to
|
|
keep them on paper. With the disk, you could take the disk and dunk it in
|
|
water if you were to see some dude outside that looked suspicious. With paper
|
|
you would be chewing for a long while. A better idea is to have two or three
|
|
copies other than the originals at a couple of friends houses. The odds are
|
|
that the feds will not search people that you are associated with.
|
|
|
|
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
|
|
|
|
Part XI: If I get caught, what should I do?
|
|
|
|
First, shit! Then after you are done realizing what just happened, DO
|
|
NOT TALK to them. Play dumb and say that you found the disk that contained the
|
|
stuff in school and wondered what it did. You did not know what you were
|
|
doing. Or better yet, say that you were on drugs and did this to get money to
|
|
get the drugs.
|
|
|
|
The worst thing that could possibly happen is that you spend some time
|
|
in jail, that is if they prove anything, and be forced to repay what you
|
|
charged. The only problem with having them make you repay for what you charged
|
|
is that they cannot prove that you charged the stuff if you produce documents
|
|
that state that you purchased the stuff from a local store.
|
|
|
|
There is also a chance that you may lose all computer periphels if you
|
|
are caught with stuff that was printed on the computer that deals with illegal
|
|
activities. So, whenever possible, print the stuff on a laser or an ink jet
|
|
printer and get them photocopied. This way you can say that you typed them up
|
|
on a type writer.
|
|
|
|
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
|
|
|
|
Part XII: Warnings, how to tell if the feds are around?
|
|
|
|
One easy way to tell if the feds are around your area is by the
|
|
computer bbs's. There is usually one that is an underground bbs in your local
|
|
calling area. They will usually have a message posted by a user stating that
|
|
the feds are in the area. Or is an important govermental official is going to
|
|
visit your area soon.
|
|
|
|
Also, read the paper. Look for articles that deal with the topics of
|
|
Federal Goverment, FBI, CIA, and articles that are titled "Local Police and
|
|
Federal Goverment Arrest A Hacker" or stuff that deal with the word hacker.
|
|
Read the article and determine for yourself.
|
|
|
|
Also, if you see men dressed in dark suits and driving cars that look
|
|
suspicious, lay low for a while. Destroy all evidence of what you are and were
|
|
doing.
|
|
|
|
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
|
|
|
|
Part XIII: Future Edtions.
|
|
|
|
If I do not get busted first, there will be future editions dealing
|
|
with the topics of Hacking, Phreaking, CCing, Cracking, etc... Look for them
|
|
soon on a bbs near you.
|
|
|
|
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
|
|
|
|
Part XIV: DISCLAIMER.
|
|
|
|
I hereby take no responsibility for what the person that reads this
|
|
documentation does. I am providing this document so that a person can gain
|
|
knowledge in computer crimes and enable himself to understand the topic of
|
|
computer crimes. I hereby take no fault in what the person does. This is for
|
|
purposed of enjoyment only.
|
|
|
|
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
|
|
|
|
Part XV: BBS to call
|
|
|
|
City Under Siege - 215 - 253 - 7985
|
|
|
|
Death Castle - 215 - 262 - 1548
|
|
|
|
RipCo - 312 - 528 - 5020
|
|
|
|
Creative Edge - 808 - 521 - 3306
|
|
|
|
The bbs's above are not there becuase of what they can supply, but are
|
|
there sothat a person is able to broaden their calling spectrum. They are in no
|
|
way responsible for the material that is stated in this documentation nor am I.
|
|
|
|
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
|
|
|
|
Special Thanks go to Chec ./ for his kind contribution to this document.
|
|
|
|
(C) FaTe - 1991
|