Posts Tagged ‘credit card’

Caintech.co.uk

When I see the words “free trial,” I know I’m probably going to have to whip out my credit card and enter in the number to “not get charged.” Then I end up forgetting about the trial and want to kick myself in the ass when I see my statement at the end of the month.

In order to avoid that rigmarole, you can actually use fake credit numbers instead of your own, and you can do that using the site getcreditcardnumbers.com, which can generate up to 9,999 credit card numbers at a time, or just one.

Now, to be completely clear, these numbers cannot be used to purchase any item. For that to work, you would need a valid expiration date and CVV or CSV number. This site merely provides the standard 16 digit credit card number that can be used to bypass certain online forms that only ask for the number.

How Does It Work?

The credit card number generator uses a system based off of the Luhn Algorithm, which has been used to validate numbers for decades. You can learn more about the algorithm on their webpage. A fake number will work for sites that store credit card information to either charge you later or ask you to upgrade.

For sites that ask for an upfront fee or have an automatic charge sometime down the line (Hulu Plus, Netflix, Spotify), this won’t work since they ask for more than just a credit card number for validation. You can, however, get unlimited free trials on those sites using a simple trick with your email address if you have a valid card number with expiration date and CSV.

Getting a Card Number on Android

There’s also an Android application for getting fake card numbers called CardGen, available for free in the Play Store. You can generate and validate credit card numbers directly from the app, making it easy to use on the go as well. Validation, in particular, would be useful if you were accepting credit card payments on your own site and wanted to make sure the cards were legit.

The app is ad-supported, but since it’s free, I can live with that. In the generate field you can select from most of the major credit card providers, including American Express, Mastercard, Visa, and Discover. The disclaimer explains what the app does and how you should use it.

What would you do with these credit card number generators? Let us know in the comments section.

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tv crime2

Ever wondered what the numbers on your credit card mean? Well wonder no longer

CrackingCreditCode

At a cryptography gathering in Leuven, Belgium, on Tuesday, Cambridge University researchers made it known that they do not like what they see in chip and pin systems. The chip and PIN system employed by most European and Asian banks is definitely more secure than the magnetic strip one, but it doesn’t mean that it doesn’t have its flaws.

A flaw in the EMV protocol which lays out the rules for chip-and-PIN card transactions at ATMs and point-of-sale terminals could enable persistent attackers to carry out bogus card transactions. Five Cambridge (UK) University researchers released a paper today with the gory details.

Bank cards are reportedly vulnerable to a form of cloning and researchers have pinpointed the poor implementation of cryptography methods in ATM machines as being the reason for the flaw.

The chip in an EMV card is there to execute an authentication protocol, and is itself very difficult to clone. However, the authentication process also relies on the merchant’s point-of-sale kit, or an ATM, generating a completely random number to prove the uniqueness of the transaction. They discovered a flaw with the so called unpredictable number (UN), generated by software within cash point machines and other similar equipment. The researchers warned that this random number is not so random, and is even possible sometimes to predict.

“The UN (unique number) appears to consist of a 17 bit fixed value and the low 15 bits are simply a counter that is incremented every few milliseconds, cycling every three minutes,”

We wondered whether, if the ‘unpredictable number’ generated by an ATM is in fact predictable, this might create the opportunity for an attack in which a criminal with temporary access to a card (say, in a Mafia-owned shop) can compute the authorization codes needed to draw cash from that ATM at some time in the future for which the value of the UN can be predicted.”

Banks, meanwhile, are standing firmly behind EMV and chip-and-PIN and are refusing to refund customers protesting fraudulent transactions, banks are telling customers EMV is secure and they either are mistaken about a transaction, or are lying. Meanwhile, many wouldn’t have the mechanisms or procedures to patch PIN entry devices in the field in the need arose.

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