yahoo credit card
This program is intended for developers who are studying credit or debit cards algorithms, and persons who want to test their own working credit card numbers. Don't try to use DisCard (or similar programs) to attempt actual payments or frauds: nowadays shops, e-commerce websites, and banks check if credit card numbers they receive were actually been issued, before to send goods or give a paid service.
Credit card companies tend to lead full scale investigations when their cards are misused, and will make every effort to bust fraudsters. Also avoid so called hacked, cracked, or fake credit card number lists.
Carding is a very risky business, and there's not such a thing as free money.
You'd rather get a good job and apply for a real credit card.
Further security measures for offline purchases are chip and signature (used to be swipe and signature in the past) which requires the user to sign a receipt after buying good or services with his card, or chip and pin, when the user have to enter a code (generally a 4 digits number) in the numeric pad of a device to pay with the card. Contactless cards don't require signature or pin for small amounts (generally up to about 25 USD or EUR).
yahoo credit card
How many numbers does a credit card have yahoo that mid-2000s, fairly
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If you wish to use a pay as you go card free tri score credit report problem your children fuel cash, allowance, or faculty-spending cash. Don't use an organization who provides which will enable you get credit standing by making a second credit rating score score rating file utilizing a false tax-id quantity or a mannequin new social security quantity. Kaiku's cell app permits you to discover the closest ATM, and you need to use the app to check your stability, pay payments, transfer cash to buddies and deposit authorities or payroll checks utilizing a 3rd-get together service referred to as Ingo. Counting on the prices yaho by your monetarymany events it makes a substantial quantity of sense to withdraw the utmost allowed in a single transaction. The rate check credit property rental interest is one of the prices you pay for borrowing cash and, often, the rate of interest you get is directly tied to your credit score score. Double checks have a carbon copy of the examine. 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yahoo credit card
yahoo credit card
This page last updated 2010 Jan 26
update Nov 2004
Credit Card scams
According to Samira Beavis, writing for ABC News, " The practice took off in the United States several years ago and is beginning to approach the scale of fraud that plagued credit cards in the early 1990s before new precautions were taken, according to Gregg James, a special agent with the Secret Service's Financial Crimes Division in Washington.
" Here’s how the scam is run. Criminal gangs recruit gofers, who then find temporary work within restaurants, hotels and retail outlets. The recruits are given small, illicit, electronic devices known as skimmers that capture all of the credit or debit card’s details in the few seconds that it takes to swipe the card through the machine.
When unsuspecting customers go to pay their bill, their card is first swiped through the legitimate credit card machine, but then, secretly, it is also swiped through the smaller skimmer machine. The gofers then pass the gadgets onto counterfeiters, who pay them the equivalent of around $150 for their part in the crime. Once the details have been given to counterfeiters, they download the information onto a computer and make up a fake card.
The "cloned" card is embossed with the details of the victim’s credit card and passed on to gang members who, police say, may sell it for between $400 and $700, depending on the perceived credit limit."
University of Toronto (UTM) students Bashir K., and Jawad K., and Nomaan C. in MGD 415 in March 2008 created a kewl video in which they describe several components of how Skimming a credit card can lead to an Identity Theft situation. Watch the video carefully.
Often skimming is done at gas stations or restaurants, since those are the places that hire people who work for minimum wage, - and many times such businesses don't bother doing background checks cause the employees are mostly part-timers.
1 - cross contamination re: RFID
2 - skimming Credit Cards
University of Toronto (UTM) students in MGD415 in early April 2009
Altin E, Trevor G
Mark Teh-Yu H, Gianmarco R
Nicholas S, Tiffany (Wutang) W.
created an informative video in which they mixed in Social Engineering tricks and Skimming which lead to an Identity Theft situation.
- skimming Credit Cards at a gas station
from Seneca students in BCS555 in 2009
video created by Mark D.
It is quite a long drama the way they play it out, and very realistic to what actually happens in such a "skimming" situation, watch closely for the DOUBLE SWIPE
1. I (WTGR) always pay cash at gas stations, it is faster to lay down one or two twentys instead of waiting in line anyway - and with gas prices so high, nobody puts a lot of gas in anyways these days.
2. If you do use the card, don't let the attendant take it out of your hand (sometimes they just rudely grab it) and swip it on their keyboard, insist on swiping it on the terminal passed to customers.
3. At restaurants, don't put your card on the little tray they sometimes bring out, instead, walk back to the cash register and swipe it yourself, this way you can make sure it is not being swiped twice.
- ways small merchants can protect themselves
- ways small merchants can protect themselves
" I found this interesting site about how to protect your business from credit card fraud. It gives businesses some tips on what to check when
consumers make purchases on their site. "
Witiger says " Thanks Alice, a lot of the info we have is about how to protect the cardholder, but also want to know how to spot fakes so if we are a small business we do not get ripped of "
- ways small merchants can protect themselves
1. Subscribe to checking systems offered by your bank
2. Manually verify the address
- if the address on the card does not exist, it is fake
3. Call the cards' bank
4. Watch the email address - hotmail and yahoo mail can be easily faked
5. Call the cardholder
- which means they have to provide a telephone number
6. Be cautious of bulk orders
7. Shipping and billing address should match
Jan 30th, 2007 titled
"Chip-based cards may cut fraud"
Flavelle writes "Credit and debit cards embedded with computer chips have virtually wiped out the kind of security breaches that compromised millions of cards used at Winners and HomeSense stores in Canada, industry officials say. But it will be another three years [from Jan 2007] before the cards are widely available in Canada."
Another good example of how the technology of the Internet is being used to facilitate crime ! - WTGR
By Dinah Greek posted online July 28, 2003
The thieves are also using advanced techniques to ascertain critical information about the stolen card numbers. Greek explains "Software programs can determine which bank issued a card, harvest the three-digit card verification number and even let thieves determine the available credit-card limit. They can check a card number's validity and personal information about its owner. "
here is the story in Natalie's words
The bank was calling her informing her that they saw that she had received her new Visa card. To my aunts’ surprise, she started to question the representative because she had not done business with Scotia Bank in over a year. She had bought a brand new van in 2002, got a loan from Scotia Bank to finance the van but paid off the balance in cash months after the loan, since she had sold her house and moved to another one. She was informed by the bank that they had issued her a Visa card that she applied for with a $7600 limit and that she activated the card on October 13th, made purchases totaling over $800 on the same day, took $1000 cash advanced on the 14th and another on the 15th.As furious as my aunt was, she started asking the representative some questions. She asked her the maiden name that was given when the application was filled out and it was a different maiden name that the bank had in their records. This should have been the 1st red flag for the bank. The second was that on the application that was completed, they put the previous name of the company that she works for; her company had a name change just after she had the load to finance the purchase of her van and she sent them a letter in writing informing them of the name change. This information was in her records but the bank was so eager to send her a card that they didn’t even do a complete background check. It turned out that someone had applied for a Visa card from Scotia Bank in her name, had it sent to an address in Ajax (she lives in Brampton), had a Drivers License in her name and also a SIN card. How they got all of the info is a mystery. I am still puzzled about how all of this happened. The case is still under investigation. The fraud investigators gave her some points :
o Once you have received the job, then give then your SIN number.
o Avoid doing telephone/web banking. (though a lot of people do this safely)
o Never throw out your bills that contain your card numbers on them, always shred them."
Ed sent an email to Prof. Richardson Nov 2nd, 2005 in which he said;
" I did more research today on our case study and I found out something that you may want to add to your website. IT goes under credit card, and probably credit card fraud
Basically this just says to prevent credit card fraud and theft, all the major credit card companies are adding these security codes onto the card, which you can ONLY find on a real credit card.Even if a thief has your credit card number, they probably didn't have enough time to write down the security code that might be embedded at the back or front of the credit card. I work at Rogers Wireless, and I know that all credit card payments, and credit checks that deal with credit card will require that security code that is only found on the card, and will only processed if the correct security code is entered!
Lowering your merchant rates
"VISA and Mastercard take a cut of between two and three percent of each sale and American Express takes even more. As you begin to sell a higher volume, your rates will go down"
Reducing the number of times you have charge backs - will contribute to lowering your rate.
"Visa and MasterCard hold a 75 percent share of the general-purpose credit and charge card network market in the United States. In large part because board members of one serve on the governing committees of the other, Visa and MasterCard effectively act as a single entity, and have conspired to limit competition in the U.S. card industry.”
from the AMEX web site which also gleefully describes the current U.S. Justice Dept. case against VISA and MasterCard
Harvey Golub, chairman and chief executive officer of American Express. “Visa and MasterCard’s anticompetitive behavior has damaged the interests of consumers; eliminated banks’ freedom of choice to carry out business as they see fit; increased operating costs to merchants, particularly in the debit card arena; and retarded innovation in the credit card industry.”
Electronic Wallets are one of the new features being used in electronic payment systems, unfortunately, the link on Visa's site which is supposed to explain this was down in August 2000 when we first checked
"Visa Sets new security rules for online purchases"
title of Reuters story Aug 10th, 2000
Visa announced it was setting 10 new security rules for transactions done over the internet
(later changed to 15 rules in 2003)
These rules are in effect things which merchants (who handle Visa cards) must do or Visa will withdraw their merchant account. The rules are aimed at making sure these merchants have more stringent security processes as well as better encryption etc.
Read about Visa's product "Visa ePay"
One of the selling points of this product, targeted at vendors who want a better way of collecting money, is that , your customers' financial institutions secure funds from their accounts before sending payment orders to your financial institution. This authorization and settlement of transactions in good funds means payment assurance and one-time processing
Visa has partnered with Palm. "The Palm VII organizer uses a wireless radio transmitter and web clipping technology along with the new Palm.Net(sm) service to let users get information, conduct e-commerce transactions, and perform instant messaging. Visa's ATM Locator pinpoints the location of any of Visa's 531,000 ATMs in 120 countries worldwide."
Single-use credit card numbers
". By mid-October, consumers will be able to obtain a number from a secure Web site and use it - just once - to buy from any online merchant accepting Visa."
full story from Rachel Ross, Toronto Star Technology Reporter
On this page, Mastercard had an interesting little demo about how e-wallets work plus they have a link to another page that has some very good explanations of the fundamentals of e-wallets, including points explaining the difference between Server Based and Client Based systems
2006, Mastercard have a product called Tap N Go™
" The MasterCard PayPass card has built-in chip and antenna technology, as well as a standard magnetic stripe. The card and specially equipped PayPass terminals communicate payment card details using very short range radio waves."
"AMEX currently offers a blue card embedded with a smart chip containing a digital certificate. "Smart chip technology is very flexible, and we specifically designed the blue card on a multi-application platform," says AMEX spokesperson Molly South.
The card is inserted into a free smart card reader plugged into the user's computer. The card, together with a PIN number, allows consumers to buy on the Net using their certificate. The card allows access to an online wallet, which contains information such as shipping and ordering preferences. This information is automatically transmitted to the merchant's online order forms. The system provides instant user-friendly security for both consumer and merchant. AMEX officials are hoping it will encourage more widespread consumer acceptance of online shopping. Initiatives like this could, however, eventually become the thin edge of the wedge for developing a universal digital signature for individuals."
by Paul Zaleski, a reporter and staff researcher for Offshore Finance USA magazine.
"Last week, (Sept 7th, 2000) American Express announced it will issue single-use credit card numbers to help reduce the risk posed by hackers who steal and reuse numbers from online
story came from Rachel Ross, Toronto Star Technology Reporter at www.thestar.com/
The use of single-use credit cards was announced in 2000 - Ronny P. in BCS555 Sept 2003 found a page in CIO.com that discusses AMEX's current situation with disposable credit card numbers.
details explain at http://www.cio.com/archive/020101/tl_security.html in an article written by Sarah D. Scalet titled Safer Plastic
"American Express has a new set of security and privacy offerings, the flashiest of which are disposable credit card numbers. With the free Private Payments system, customers can get unique credit card numbers linked to their standing account each time they make a purchase online. They thus avoid transmitting their "real" numbers and leaving them in the hands of online merchants. The single-use numbers don't work for recurring charges, of course, but they also don't work for thieves who try to make multiple purchases. "
Wendy W. in MGTC50 in Nov 2001 found two good articles that discuss this challenge.
Christi Frum writes [Aug. 15, 2000]
"Chargebacks are refunds issued to cardholders by card issuers in cases where there's been a dispute over a charge. Examples of such cases include fraudulent use of a card by a third party, or a cardholder's winning of a dispute with a merchant over whether a charge was actually authorized. Any time a chargeback occurs, the merchant pays a fee, on top of having to pay back the amount of the original charge."
"The new rules introduced by Visa and MasterCard consist of a classification of certain types of businesses into a high-risk category. Businesses considered high risk include travel agencies, taxi and limousine services, computer network and/or information services, mail-order houses, catalog merchants, membership clubs, and some online merchants..". "If your e-business does fall into this high-risk category, the penalties Visa and MasterCard can enact for chargebacks rise exponentially"
So now that we know the credit card companies are putting the "squeeze" on vendors to deal better with chargebacks - how are the vendors handling this?
A 2000 article by Peter Lucas suggests that credit card companies will make digital signatures more popular - though this technology had existed for some time - but was not widely known.
Peter Lucas wrote
"Online merchants face the inability to verify whether buyers are who they claim to be because no credit card is present or signature obtained at the time of purchase. This means when a customer claims a particular purchase was not made, an online merchant can't prove otherwise. This is the case whether or not the chargeback is fraudulent. The good news for online merchants: Several new technologies  can verify a customer's identity at the time of purchase, thereby reducing the rate of fraudulent chargebacks. Two of the most talked-about are digital signatures and smart cards."
By 2006 we can know that is has been 5 years later and this is still not a commonly used thing.
It is the opinion of witiger that the credit card oligopoly will push vendors too much - small and medium sized companies will aggressively look for alternate e-payment systems and eventually the credit card companies will either
- back away from their stern policies cause they are losing business
- develop alliances with some of the leading e-payment systems and with their greater money and marketing power hijack some of these systems and bring them into the credit card community (sort of like the cola companies buying into the bottled water companies)
- bankrate.com reported in a review of 2006 that "Debit cards outdid credit cards in dollar volume in 2006 for the first time as consumers increasingly chose a pay-as-you-go strategy."
On the plastic horizon in 2007
- Ellen Cannon, writing for Bankrate.com at the end of 2006 says "Prepaid cards, contactless payment options and new rewards programs will be the major areas of change in 2007. While these products have been around for a while, the card issuers are retooling them and marketing them more than ever."
On this page there are several quotes from ecommercetimes.com.
Permission was given by Richard Kern, Associate Publisher of the E-Commerce Times,
in an email to Prof. Richardson 2004 Dec 10th, a hard copy of the email is kep on file in Richardson's permissions binder.
Get 5% Off Your Bing Ads Forever!
The Yahoo Bing Network partnered with Visa SavingsEdge to give Bing Advertisers 5% back on their entire Bing Ads cost. No Minimum spending required, and there is no cap on how much you can save.
All you need is an eligible business credit card. You can check if your card is eligible on the Visa SavigsEdge site. Enrollment is completely free. You can enroll on the Visa SavingsEdge website, once your card is enrolled you get the savings automatically applied as a credit on your statement.
After receiving enrollment confirmation, use your enrolled cards to make qualifying purchases at participating merchants.
Enjoy automatic discounts at participating merchants. Your savings appear as credits on your future account statements.
If you currently don’t have an eligible card the Chase Business ink Plus credit card, is a good option – which you can get here. The savings are on top of Chase Reward Points.
What credit card are you currently using for Bing Ads? How much are you spending? How much will you be saving?
Use American Express Rewards Points Towards Facebook Ads
Membership Rewards Points For Facebook Ads
If you have an american express credit cards that generates membership reward points for you then you can now use those membership rewards points and redeem them for facebook (pay per click) ads credit. You can redeem your points on the American Express Open page On Facebook or on the membership rewards website. (I was not able to find the option on the rewards website though.)
For 6,750 points you can get a $50 in Facebook Advertising credits. Compared to other $50 gift cards that you can redeem in your membership rewards account for 5,000 points. This is not the greatest way for you to redeem your points. You are effectively getting .75% return on the money you spend. If you use your card for advertising they you get double rewards and after spending $3375 you will get your 6.750 points needed for the Facebook Advertising credit. Which gives you a 1.4% return on the money you spent.
If you sign up to a new card you can get additional points from the sign up bonus which will give you more points to redeem.
Google AdWords Business Credit Card
Google AdWords Business Credit
Although Google has a page with an apply now link on it, for the Google AdWords credit card you can only apply to get the credit card if you have been invited to apply for the card. Check your email address (the one associated with your google adwords account) to see if you got an email from google. Also be sure to log into your account online to see if you got an invite via one of those AdWords notifications (see image below). If you did not get an invite and you are interested in the Google AdWords Business Credit Card then you can request google to send you an invite over here.
This credit card does not have any benefits over other cards, If you are looking for a credit card that gives you rewards for your PPC (ad) spending then the American Express Business Gold Card is a better option.
This is really like a credit line extended by google so that you can run your adwords pay per click campaign uninterrupted. Here are some of the benefits that Google lists on their website.
- Ample Credit Limit For AdWords – I have seen companies that used to max out their spending limits on their cards this caused their pay per click campaigns to be offline, for periods of time throughout the month. We would have to wait for the accounting department to pay down the card before we were able to make an adwords payment and thus resume the campaigns.
- Rates as low as 8.99%* – Its better than the national avg of 13.02% as of June 20 2013 But if you look at the fine print on google’s website they write the following. *Rates range from 8.99% to 18.99% and depend on your creditworthiness as determined by Comenity Capital Bank. The bottom line, you can do better than what google has to offer, but what’s the point in revolving your pay per click cost, it adds up pretty quickly.
- No Annual Fee – Many credit cards offer No Annual Fee, but if you get a credit card with good benefits then chances are there will be an annual fee associated with the card.
This is what the invite looks like within the google adwords account dashboard:
You can apply for the credit card on comenity’s website. Comenity Capital Bank is the Bank that issues the Google Business Credit Card Accounts. All applications are also subject to their approval.
Did you get an invite from google to get the AdWords Credit Card?