Expiration Date (If Any) In Block C And: Fill & Download for Free

Yes. While majority of things like “red room” is nothing but a hoax or scam, there are hundreds of marketplaces that offer different products of all kinds with reputable sellers, merchants, escrow and accountant services.If the first thing that comes to your mind is “drugs” - you will be right. But there is something else, that being bought and sold quicker and more frequent than drugs. Its daily volume is over dozen millions of US dollars.So, are you curios what’s that?Credit and Debit Cards. It’s quite possible that while you are reading my answer your Credit/Debit card information is on sale.It’s just as easy as buying something on Amazon:Let’s say I want to get a card from somebody who lives in SeattleWell, hello there, Mr. Tinh. Owner of a Platinum credit card, right? I have some bad news for you - just for $5 dollars everyone will get your CVV (or CVV2), pin, expiration date and card number.For additional couple dollars it comes with Social Security number, phone number and other information that might help somebody with online shopping.If you think that only Americans suffer from this - you are wrong. Regardless where are you from, your information is for sale.I don’t know if Lindsey is on Quora, but her Paypal account with 38k USD balance is on sale.Karen, I am sorry, but I am afraid that your social security number, address and your personal information is for sale just for 75 cents.Just for $10-$20, people can get a copy of your precious credit card and use it for their daily expenses such as Rolex WatchesWhat I have demonstrated is a “bottom-shelf” marketplace with relatively small selection and solid, reputable merchants. Some platforms have over ~50 thousand credit/debit cards added on a weekly basis. Do you know what’s even more surprising? Majority of those cards are sold within 24 hours.So how to avoid becoming a victim?I would like to leave couple recommendations:Every week go through your transactions and see any unusual purchases. Many criminals are not going to wipe out your account immediately. Instead, they can use about 10 cards at the same time to make daily $10–$30 purchases that you might not notice.When you purchase something or visit a website, make sure to see a “lock” sign.3. Don’t use the same password for your Email, online banking and PayPal/Amazon/Ebay/Whatever account4. Change your passwords from time to time. Always add numbers and symbols to your password. Bad password: Emily1989 . Good password: 7goenG55arN0#zeb%d)5. Double check links when you login. If something involves money or personal information - always check. No exceptions.These little tips might save you money and time!Edit: to prevent people from asking the same questions in the comment section, here are couple more clarifications:Question 1: If the people selling the cards could use them, why sell them at all?Answer: Everyone has their own role and purpose. One person develops software for SQL injection, parser or keylogger. He sells this software and he doesn’t want to be involved or being directly responsible for what happens next. Hacking into someone’s computer or setting phishing network is completely different from using stolen cards. Some stolen cards might get blocked by owner, some might get blocked by bank, some card might be reported stolen/lost, that’s why criminals buy bulk of cards, not just 1 or 2.The highest chance to be caught is by the person that tries to cash out or buy something with the card. If you have 5000 cards, you might sell them for 10 dollars each, instead of taking risks to cash them out - in this case, you chances to get caught are minimal. Yes, you might cash out $500,000 with very high risk, or you can feel safe with $50,000. Some people unite in networks and do the whole process as one team, but not always.For the same reason why farmers that grow coca plant don’t process and distribute cocaine - that’s a completely different skill setQuestion 2: Wouldn’t you lose your credit card information because you have to provide your card details to purchase stolen cards?Answer: No, people use Bitcoin, Monero and other cryptocurrencies.Question 3: I have 2 factor authentication, it’s impossible to get hacked!Answer:a) If you order something from abroad, you might not get any 2FAb) SS7 exploit After years of warnings, mobile network hackers exploit SS7 flaws to drain bank accountsc) IMSI catchers: IMSI-catcher - Wikipediad) App permissions (ability to read your SMS) - All about Android app permissionsQuestion 4: Can you hack my computer/my girlfriend/my boss/my cat and get credit card information for me?Answer: You will get ignored.Suggestion: 7goenG55arN0#zeb%d is a bad password, because it’s hard to remember. It’s better to use : D@ve l0ves pulled_porkAnswer: Not really. I have below average memory, and I am capable of remembering long-ass passwords. In fact I have different password for each email, each application and each piece of valuable information I have. What you need to do is to create couple patterns and memorize them. For example:Dave loves pulled pork can be easily transformed into 4(four letters) lvs (no vowels), ^ (6 letters, ^ symbol instead of 6 in your keyboard), paoaraka (added A vowels after each letter, last letter is capital)In result you will get 4lvs^paorakATo make this password, all you need to remember is the password phrase and key to it (Dave loves pulled pork) , key (number of letters, no vowels, symbol number, add vowels, with last one capital).As for bruteforce, I wish you would know how many people think that they are safe because they use password like : “p@ssword_1989”.

The Debit Cards whose validity is about to get expired will be renewed automatically from back-end by the Bank. The renewed Card will have a new number (i.e., different from the number of the existing Card) and will also have a new PIN. The existing Card will not be renewed if, at the time of renewal,a. The account is not KYC compliant or PAN Number/Form 60 not updated in Bank Records.b. The status of the Debit Card is blocked.c. The Card has not been used at all during the entire validity period, ord. The primary account is inoperative/closed.The renewed Card will have all the accounts linked as was with the old Card. The renewed Card will be sent to the customer at the registered address. The renewed Cards will be sent to customers 2 to 3 months in advance. In case of non-receipt of Debit card one month before expiry date, please get in touch with home branch for assistance.

All things considered, there are really just two points of paramount importance that Coin, Inc. faces and just about any company that plans to create a similar solution. These two points are:The merchantThe payment card companiesThis posting is not meant to rain on the wonderful success Coin has achieved. I am a supporter of Coin and other systems that are truly innovative in payments and actually solve real problems.How Dorothea Perry Invented The Modern Credit Card While Ironing Crisp White ShirtsThe payment card has a rich history that spans back to the spring of 1960 when Forrest C. Perry’s wife casually ironed a reel to reel tape strip to the back of a manilla heavy cardboard card [1] and invented the modern payment card. History may not remember Dorothea Perry’s name and contribution, but she solved a huge problem that over 200 types of glues and pastes failed at, to secure the magnetic strip in a manner that it would not bubble. Doerhea’s iron had just the right amount of heat to melt the tape strip to the card in a very uniform way.Specimen of one of the first 1960s prototype of a magnetic strip payment card rear and front. The data on the card was still readable in December 2012.Over 50 years later you and I are still using this technology just about every day. Forrest’s invention was cutting edge and many years ahead of its time. The company that Forrest worked for was IBM and they did not patent the system because they where the only company with the computers at the time that would be able to process these new cards. One of the unique feature of this new invention was to encode information that was nearly impossible for the average person to mimic. The magnetic strip was just as much a feature for encased speed of processing as it was a security feature.The Merchant: The Code 10 ProblemThe payment card companies, acquiring banks and processing companies see innovation through a completely different set of glasses then most of us technologists. They establish rules and operating guidelines based on history, recent risk management challenges and state and federal laws. One of the first things all new merchants should be trained for when they begin to process payment cards is the ability to identify a genuine card. All of the payment card companies adopted a number of security features that should be noted before a merchant processes a payment card transaction.As low tech as it may sound, the legacy payment card has a number of very clear security elements. These elements although seeming trivial are really quite important and useful:The payment card logoThe hologramThe raised numbers and raised card holder nameThe signature panelThe cardholder’s signatureThe reprinting of the payment card number and the CVV2 number in the signature panelThe expiration dateStandard issue Visa branded merchant security features flyer.Standard issue MasterCard branded merchant security features flyer.Standard issue American Express branded merchant security features flyer.Thus far Coin card does not have any of these security features. This may have an impact on acceptance at some merchants. All merchants agree to examine each payment card for these minimum security features. If the payment card companies can demonstrate that these features were not examined, they could hold the merchant, even though they swiped the card, 100% fully liable for any repudiation by the cardholder that results as a chargeback. This means the merchant could face losing the full amount of the transaction plus a penalty fees called “Retrieval Requests” and "Chargebacks” and can cost from $25 to hundreds of dollars. They can reject acceptance of the card and in some circumstance retain the card under the Code 10 procedure [2] [3].Visa’s Code 10 ProceduresWhen you suspect fraudIf you’re suspicious of a card or cardholder at any time during a transaction authorization process, you will need to make a Code 10 authorization request.What is Code 10?The Code 10 authorization request alerts the card issuer to the suspicious activity—without alerting the customer. During a Code 10 call, you will speak to the card issuer’s special operator, who will provide instructions on any necessary action. This type of authorization request is the most likely to result in a call to law enforcement.Code 10 stepsIf you receive an electronic authorization, but still suspect fraud, do the following:Keep the card in hand to quickly respond to questions.Call your voice authorization center and say "I have a Code 10 Authorization Request."The call will first be received by your merchant bank who may need to ask you for some merchant and/or transaction details. You will then be transferred to the card Issuer and immediately connected to a special operator. A series of yes/no questions will be asked to determine whether you are suspicious of the card or cardholder.When connected to the special operator, answer all questions calmly and in a normal tone of voice.Follow all operator instructions.If the operator asks you to retain the card, comply with this request only if it is safe to do so.No Matter Which Card Is Presented, Always Follow These ImportantPlay It Safe.1. Slide the stripe through the terminal in one direction only to obtain authorization.2. Check the card’s security features to make sure the card has not been altered.Check the authorization response and take appropriate action.Get the cardholder’s signature on the transaction receipt.5. Compare the name, account number, and signature on the card to those on the transaction receipt—they should match.Code 10 is a way for a merchant to be certain that any questionable element of the transaction is addressed and will leave it to the bank that issued the customer’s payment card to make a final judgement call. If the payment card issuing banks do not know of or agree with Coin’s system there may be a request to suspend the transaction.Thus any system that mimics an authentic payment card may very well present a problem with merchants that may or may not understand what is taking place. But moreover may fear loss if they do not have clear guidelines established by the payment card companies in advance.The Payment Card Companies: The Rule And Branding ProblemAll of the payment card companies issue cards through banks. In the case of American Express it is slightly different. This means that to make any changes it takes many meeting with institutions that are known to not change anything that appears to be working. Even if Visa and MasterCard wanted to make any minor changes to the current system, they would be required to get the vote of support from the bank partners. This has had a rather deep impact on innovations. Just getting the US to an EMV standard that much of the rest of the world has in place took over two decades.The bank that issues a payment card legally owns the card and as a cardholder you are licensed to use it in contractually agreed upon settings. In a very real way a cardholder does not own the payment card number or another part of the card other then their name when it appears on the card. There are specific rules about trying to alter or change the card in any way. There are also rules about trying to decode or encode the magnetic strip. They are grounds for termination and in some cases fees being assessed.These banks along with the payment card companies will absolutely have to grant Coin a provision that will allow them to operate. They do have full legal rights (I am not a lawyer) to block any attempt to insert a new system between the card and the merchant. I can say that I am rather certain that Visa, MasterCard, Discover and American Express want to see more innovations in the payment space. They do however need to balance rules, laws, relationships, branding and marketing. And it may be the last two points that present a more pressing challenge to Coin.Visa and MasterCard are effectively the marketing and branding they have created and invested in for over 50 years. They work very hard to establish exactly how the brands are positioned and exactly how the use marks are displayed. Coin currently does not have any payment card branding. This aspect alone runs counter to the very nature of how these companies market. There is still power in the prestige of presenting a Platinum or Black card for example. This broadcasts a big message to the merchant and to the customer. Present an American Express Centurion Black Card at the Four Seasons and see what I mean.The DistillationThus we have two issues that really can be distilled down to one issue. Will all of the payment card companies issue a provision that will allow Coin to produce these cards and will they encourage and endorse the idea?I have thought considerably about this subject for the last three years and have some ideas and some solutions. There are a number of ways the company should be addressing these challenges. I can say very clearly, ignoring them or using social media pressure is not one of them. This challenge will require some of the best minds in payments to address in my view. I think it is better to address with experienced professions, sooner rather then later and learn from the challenges that Square is now facing with the pricing fiasco that did not need to happen[4].There Are Always SolutionsI have been a champion of creativity in payments for a very long time. There have been a lot of companies that have had profoundly great ideas but faded into history with little more then a footnote for any number of reasons.I have made it clear, I ordered a Coin card and stand with the company as they face these challenges. There are solutions to all of the issues I presented here. I look forward to seeing this innovation in the market and hope it sparks a revolution of creativity and the solving of real problems.Keep your mind and heart open, true innovation can come from the most unlikely places, like Dorothea Perry’s iron.___________[1] When was the first credit card with a magnetic stripe issued?[1] Code 10 | Visa USA[3] Page on Visa[4] Square Turns Its Back On Small Businesses