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WHAT ARE CLONE CARDS

Card cloning is a sort of fraud in which the data on a credit or debit card used for a purchase is secretly and unlawfully copied. In essence, it’s a method that thieves employ to replicate the data on a transaction card without taking the actual card. Cloned Cards For Sale

Criminals can use this information to conduct fraudulent purchases or get unauthorized access to a person’s accounts by copying it onto a new or reformatted credit card.

Credit card cloning is the most common variation, however debit card cloning is also frequent. Even a gift card could be a target for card cloning if it can be used to authorize a payment or account access. Cloned card For Sale

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Our researchers came across a modified version of this malware with some extra capabilities that was used to infect point-of-service (POS) terminals and capture card data while researching malware for ATM jackpotting used by a Brazilian gang named Prilex.

This malware was able to alter POS software so that a third party may intercept the information sent from a POS to a bank. The thieves got the card information in this way. In essence, your card information is immediately sent to the crooks when you make a purchase at a neighborhood store with an infected POS machine. Cloned Cards For Sale

To steal money, they also needed to be able to duplicate cards, which was a task made more difficult by the chips. Having the card data is just half the battle, though.

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The card’s chip contains a tiny computer that can run programs in addition to flash memory. A series of actions start as soon as the chip is inserted into a POS terminal. Cloned Card For Sale

Initialization is the first stage, during which the terminal receives fundamental data such as the cardholder’s name, the card’s expiration date, and a list of the apps the card can run.

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The second step is data authentication, which is optional. In this case, the terminal verifies the card’s authenticity by authenticating it using cryptographic techniques. It’s more intricate than what can be covered here. Cloned Cards For Sale

Third, the cardholder must supply either the PIN number or a signature, depending on how the card was programmed. This optional step is known as cardholder verification.