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kreditne karty (KK)

KK je plastova karta, ktora je nositelom informacii o vasom ucte. Moznost jej pouzitia je trojaka. KK sa moze pouzit na vyber hotovosti z bankomatu, moze sa pouzit na uhradzanie hotovostnych pladieb v POS terminaloch alebo na inu formu uhrady hotovosti. Prve dva sposoby su limitovane nutnostou fyzickeho vlastnictva karty, pri tretom staci iba poznat informacie uvedene na karte vo forme reliefneho pisma. Bankomaty a POSky tu rozeberat nebudem a preto sa hned zameriam na ten treti sposob. Sem patria hlavne internetovske nakupy a nakupy cez telefon.

Aby ste si nieco takymto sposobom objednali (a zaplatili), potrebujete poznat nasledujuce informacie:
1. Cislo kreditnej karty
2. Datum expiracie
3. Meno vlastnika karty

Kreditne karty mozno vo vseobecnosti rozdelit podla toho, ktora spolocnost ich vydava. Vo svete existuje viacero standardov, ale najviac sa pouzivaju nasledovne:
- American express
- Visa
- Mastercard

[American Express]
  XXXX XXXXXX XXXXX
  MM/Y1 THRU MM/Y2       Y1
  Vladimir Meciar        AX

Popis:
Prvy datum udava datum kedy bola karta vydana, druhy dokedy je platna.

[Master Card]
  5XXX XXXX XXXX XXXX
  ZZZZ AAA DD-MM-YY MM/YY
  Meno_na_karte

Popis:
Datumy rovnako ako u American Express. ZZZZ udava zrejme interny kod banky, ale pre nase ucely nie je podstatny.

[VISA dlhy format]
 4XXX XXXX XXXX XXXX
 MM/YY    MM/YY*VISA
 Meno_na_karte


[VISA kratky format]
 4XXX XXX XXX XXX
 MM/YY    MM/YY*VISA
 Meno_na_karte

Popis:
to iste ako American Express.

Vo svete sa najviac pouzivaju Mastercardy a Visy, tak podme na to.

Mastercard a Visa su co do struktury udajov zhodne (az na kratku Visu). Cislo karty sa sklada zo 4 stvorciselnych skupin:
1. skupina - kod banky. Mozno po vas budu chciet aj nazov prislusnej banky, tak sa mrknite do zoznamu.
2. skupina - nieco ako uzivatelska skupina. Jednoducho vsteci ludia, ktory maju denny limit napr. 5000,- (DM, SKK,...) a rovnaky typ uctu budu mat s najvacsou pravdepodobnostou toto cislo rovnake
3. a 4. skupina - informacia o cisle uctu

Tento clanok asi necitaju gazdinky za sporakom ani evanjelicky farari, takze asi viete o co teraz pojde. Ide o to, nieco si kupit a NEplatit. Takze sa napojite na nejaky inet obchodik, nahazdete do kosika par CDciek a idete k pokladni. Tam na vas vypluju formular, v ktorom po vas chcu par zbytocnosti (meno, cislo, datum expiracie a pod.). Po vyplneni formularu sa potom server spyta centralnej databazy a ta bud vasu KK prijme alebo ju odmiente. Z mojich pokusov mi vychadza asi tolko, ze na jednoznacnu identifikaciu staci kombinacia cislo-datum expiracie. Ale finta je v tom, ze to cislo nemoze byt hocijake. Na overenie platnosti (teda nie existencie) cisla KK sa pouziva Luhnov kontrolny algoritmus a ako ho vyuzit, pozri nizsie.
Problem teda nie je v cisle KK ale v datume expiracie. Ten tvori spolu s cislom previazanu dvojicu (jedno bez druheho nefunguje).

Povedzme teda, ze mate cislo, co s datumom? Skusajte! Pripojte sa na nejaky porno server a skusajte postupne. Kreditky sa vacsinou vydavaju na jeden rok a nie je teda problem odskusat tych dvanast datumov. Ina sranda nastane, ked cislo KK neukazuje na platny ucet, potom treba cely postup opakovat s inym cislom. Ak vsak uvazime, ze na zemi je okolo 6 mld ludi, tak pocet platnych kreditiek sa bude pohybovat radovo v desiatkach milionov a to dava celkom slusnu pravdepodobnost.

Luhnov kontrolny algoritmus:

Povodne tento algoritmus plnil funkciu akehosi kontrolneho suctu, poskytuje vsak aj ochranu proti utokom typu zmenim jedno cislo a basta.

Postup je nasledovny:

Ak ma cislo KK parny pocet cislic:
Vynasobte kazde cislo na neparnej pozicii dvoma a ak je vysledok vacsi ako 9, odcitajte od vysledku deviatku. Potom zratajte vsetky cisla na parnych poziciach spolu s tymi zdvojenymi. Ak je vysledok bezo zvysku delitelny 10, je cislo platne.

Neparny pocet cislic:
Postup je rovnaky, ale nasobia sa cisla na parnych poziciach.

int luhncheck(char *cn)
{
        int i,x,dl,total=0,z;


        z=1; /* neparny pocet cislic, nasobime parne indexy */
        y=strlen(cn);
        if (y%2==0)
                z=0; /* parny pocet cislic, nasobime neparne indexy */
        for(i=z;i<y;i+=2)
        {
                x=((int)cn[i]-48)*2;
                if (x>9) x-=9;
                total+=x;
        }
        for (i=z^1;i<y;i+=2)
                total+=(int)cn[i]-48;
        return (total%10) ? 0:1;
}


Na co si dat pozor? Ak si nieco objednate z internetu a davate si to posielat postou, NIKDY nepouzite svoje meno a adresu. Dajte si poslat tovar na nejaku adresu typu: opusteny dom, vystahovany susedia, kamos na intraku a pod.

Dalsia moznost pouzitia sa ukazuje v telefonovani. Ked chcete volat do USA, slovtel po vas chce nehorazne sumy. Exituje vsak sluzba Slovakia-Direct, pomocou ktorej sa mozete napojit na amickeho operatora bezplatne. Tusim US-SPRINT poskytuje moznost uhrady hovorneho pomocu kratkej visy. To cislo uz presne neviem, mrknite sa na webovsku stranku nasich telekomunikacii.

A ako toto cele obist? Co takto telefon? Ludia maju prirozdeny respekt pred autoritami a pocitacom zvlast, tak to vyuzite.

"ty" pan blabla?
"zakaznik" ano
"ty" dobry den, tu je centrum automatizacie vub(csob, slovspor),
     pri telefone bla bla.
"zakaznik" dobry den, cim mozem pomoct?
"ty" mali sme tu vypadok servera a stratilo sa nam par zaznamov
"zakaznik" ???
"ty" potrebovali by sme si overit, ci je aj vasa karta medzi zmazanymi,
     boli by ste taky laskavy a nadiktovali mi cislo vasej karty?
"zakaznik" ??? (co ked je to podvod?)
"ty" samozrejme si uvedomujem, ze su to citlive informacie. ak chcete,
     mozete mi zavolat na cislo .... sem k nam do centra (verejny telefon)
"zakaznik" dobre, hned zavolam
ten blbec sa chytil!
"ty" centrum automatizacie, pri telefone bla bla
"zakaznik" tak to je v poriadku, moje cislo je .....
"ty" a este vas poprosim datum platnosti
"zakaznik" (po dlhsom hladani) aha, to je ...
"ty" dakujem vam, ihned to overime, dopocutia

a ak ste bezchrbtaci, tak mu zavolajte este raz a povedzte ze je to ok.

A som na konci (v koncoch :)

a nakoniec zoznam bank:

4000 - Visa Bsn/Chk/Corp/Deb/Gold/Purch
4013 - Bank of Baltimore / Chevy Chase
4019 - Bank of America
4024 - Bank of America
4027 - Rockwell Federal Credit Union
4032 - Household Bank
4052 - First Cincinatti
4060 - Associates NB / Navy Fed.
4070 - Security Pacific
4071 - Colonial National Bank
4094 - A.M.C. Federal CU
4113 - Valley National Bank
4114 - Chemical Bank
4121 - Alaska Fed. / Penns. State Emp.
4122 - Union Trust
4128 - Citibank
4131 - State Street Bank
4215 - Marine Midland
4225 - Chase Manhattan Bank
4226 - Chase Manhattan Bank
4231 - Chase Lincoln First Classic
4232 - Chase Lincoln First Classic
4239 - Corestates
4241 - National Westminester Bank
4250 - First Chicago Bank
4253 - Consumers Edge
4254 - Cational Bank / Security First
4271 - Citibank Preferred
4301 - Monogram Bank
4302 - H.H.B.C.
4310 - B.C.F.U. / Imperial Savings
4311 - First National Bank
4312 - Barnett Bank
4316 - Leader Federal
4316 - Pioneer Bank / Standard Federal
4317 - First Tier Bank Omaha
4327 - First Atlanta
4332 - Bank One / First American
4339 - Primerica Bank
4342 - N.C.M.B./Nations Bank
4356 - National Bank of Delaware
4368 - National West
4387 - Lockheed Fed. / Santel CU
4388 - First Signature / Independent Bank
4401 - Gary-Wheaton Bank
4413 - Firstier Bank Lincoln
4418 - Bank of Omaha
4421 - Indiana National Bank
4428 - Bank of Hoven / Bar Harbor Bank
4436 - Security Bank and Trust
4443 - Merril Lynch Bank
4447 - AmeriTrust
4452 - Empire Affiliates Federal CU
4498 - Republic Savings
4502 - C.I.B.C.
4503 - Canadian Imperial Bank
4506 - Belgium A.S.L.K.
4510 - Royal Bank of Canada
4520 - Toronto Dominion of Canada
4534 - DC Card
4537 - Bank of Nova Scotia
4538 - Bank of Nova Scotia
4539 - Barclays
4544 - T.S.B. Bank / ADAC Visa
4556 - Citibank
4564 - Bank of Queensland
4568 - ADAC Karte / Berliner Bank
4673 - First Card
4707 - Tompkins County Trust
4719 - Rocky Mountain
4721 - First Security
4722 - West Bank
4726 - Wells Fargo
4783 - AT&T's Universal Card
4784 - AT&T's Universal Card
4800 - M.B.N.A. North America
4811 - Bank of Hawaii
4819 - Macom Federal Credit Union
4820 - IBM Mid America Federal CU
4833 - U.S. Bank
4842 - Security Pacific Washington
4897 - Village Bank of Cincinatti
4906 - Barclay Card
4916 - MBNA Bank
4917 - Visa-BahnCard/Citibank
4921 - Hong Kong Bank / National Bank
5100 - Southwestern States Bankcard Ass.
5101 - Southwestern States Bankcard Ass.
5102 - Southwestern States Bankcard Ass.
5103 - Southwestern States Bankcard Ass.
5104 - Southwestern States Bankcard Ass.
5105 - Southwestern States Bankcard Ass.
5106 - Southwestern States Bankcard Ass.
5107 - Southwestern States Bankcard Ass.
5108 - Southwestern States Bankcard Ass.
5109 - Southwestern States Bankcard Ass.
5110 - Universal Travel Voucher
5111 - Universal Travel Voucher
5112 - Universal Travel Voucher
5113 - Universal Travel Voucher
5114 - Universal Travel Voucher
5115 - Universal Travel Voucher
5116 - Universal Travel Voucher
5117 - Universal Travel Voucher
5118 - Universal Travel Voucher
5119 - Universal Travel Voucher
5120 - Western States Bankcard Ass.
5121 - Western States Bankcard Ass.
5122 - Western States Bankcard Ass.
5123 - Western States Bankcard Ass.
5124 - Western States Bankcard Ass.
5125 - Western States Bankcard Ass.
5126 - Western States Bankcard Ass.
5127 - Western States Bankcard Ass.
5128 - Western States Bankcard Ass.
5129 - Western States Bankcard Ass.
5130 - Eurocard France
5131 - Eurocard France
5132 - Eurocard France
5133 - Eurocard France
5134 - Eurocard France
5135 - Eurocard France
5136 - Eurocard France
5137 - Eurocard France
5138 - Eurocard France
5139 - Eurocard France
5140 - Mountain States Bankcard Ass.
5141 - Mountain States Bankcard Ass.
5142 - Mountain States Bankcard Ass.
5143 - Mountain States Bankcard Ass.
5144 - Mountain States Bankcard Ass.
5145 - Mountain States Bankcard Ass.
5146 - Mountain States Bankcard Ass.
5147 - Mountain States Bankcard Ass.
5148 - Mountain States Bankcard Ass.
5149 - Mountain States Bankcard Ass.
5217 - The Bankcard Association, Inc.
5218 - Citibank, N.A.
5219 - Central Finance Co., Ltd.
5220 - Sovran Bank/Central South
5221 - Standard Bank of South Africa, Ltd.
5222 - Security Bank & Trust Company
5223 - Trustmark National Bank
5224 - Midland Bank / National Westminster
5225 - First Pennsylvania Bank, N.A.
5226 - Eurocard Ab
5227 - Rocky Mountain Bankcard System, Inc.
5228 - First Union National Bank
5229 - Sunwest Bank of Albuquerque, N.A.
5230 - Harris Trust & Savings Bank
5231 - The Joint Credit Card Co., Ltd
5232 - Eurocard Deutschland
5233 - Bancsystems Association, Inc.
5234 - Citibank (Arizona)
5235 - Finanacial Transaction Systems, Inc.
5236 - First Tennessee Bank, N.A.
5237 - Southeast Bankcard Association, Inc.
5238 - Liberty National Bank & Trust Company
5239 - Southeast Bank, N.A.
5241 - Bank One Wisconsin Bankcard Corporation
5242 - Atlantic States Ass. / Chevy Chase.
5244 - The Joint Credit Card Co., Ltd.
5245 - Lomas Bank, U.S.A.
5246 - Bank of Honolulu
5247 - First American National Bank
5248 - Orient Finance Co., Ltd.
5249 - First Interstate Bank of Washington
5250 - Union Credit Company (UC Card)
5251 - Nippon Shinpan Co., Ltd.
5252 - Seibu Credit Co., Ltd.
5253 - Eurocard Norge, A.S.
5254 - Bank of America, N.A. & S.A.
5255 - Servizi Interbancari, S.P.A.
5256 - Commonwealth National Bank
5257 - Dalei Finance, Inc.
5258 - National Bank of Canada
5259 - First Wisconsin National Bank
5260 - First National Bank of Boston
5261 - Texas American Bank/Fort Worth
5262 - Service Center, Inc.
5263 - Chemical Bank
5264 - First Interstate Bank of Utah
5265 - The Joint Credit Card Co., Ltd.
5266 - Eurocard Austria
5267 - First Florida Bank, N.A.
5268 - The Canada Trust Co.
5270 - The First National Bank of Anchorage
5272 - Connecticut National Bank
5273 - Bank of America, N.T. & S.A.
5274 - Bank of California, N.A.
5275 - Eurocard Ab
5276 - Banco de Vizcaya
5277 - First Interstate Bank of California
5278 - National Management & Organization, S.A.
5279 - D.C. Credit Company, Ltd.
5280 - Fleet National Bank
5281 - Trust Company Bank
5282 - Wells Fargo Bank
5283 - Union Credit Company, Ltd.
5285 - The Joint Credit Card Co., Ltd.
5286 - F.C.C. National Bank
5287 - Valley National Bank of Arizona
5288 - Banco Nacional de Mexico
5289 - Seattle-First National Bank
5290 - Banco Nacional de Mexico
5291 - Signet Bank/Virginia
5292 - Southeast Bankcard Association, Inc.
5293 - Signet Bank/Virginia
5294 - Eurocard France
5295 - Eurocard France
5296 - Million Card Service Co., Ltd.
5297 - First Hawaiian Bank
5298 - Bank One, Indianapolis, N.A.
5299 - Amsouth Bank of Florida
5300 - Bay Bank
5308 - First Security Bank of Utah, N.A.
5313 - National Australia Bank Limited
5314 - International Card Systems, S.A.
5315 - International Card Systems, S.A.
5316 - The Citizens & Southern National Bank
5317 - Cu Electronic Transaction Services, Inc.
5318 - Credimatico De Panama / Mellon Bank
5319 - National Bank
5321 - Japan Travel Bureau, Inc.
5322 - Banc One Wisconsin Bankcard Corporation
5323 - Bank of New York (Delaware)
5325 - First Virginia Bank
5326 - Pacific Bancard Association, Inc.
5327 - Banco Atlanta, S.A.
5328 - NCNB National Bank of Florida
5329 - M.B.N.A.
5330 - Leader Federal Savings & Loan Ass.
5332 - Sociedad Administradora
5333 - National Bank
5334 - Sn Diego Trust & Savings Bank
5335 - Tokyo Credit Services., Ltd.
5336 - The Kansai Credit Bank Credit Service
5337 - Daiwa Credit Service / Sumisie Card
5338 - National Bank
5339 - First American National Bank
5340 - The Joint Credit Card Co., Ltd.
5347 - Equibank (Delaware), N.A.
5348 - First National Bank
5349 - Sun Bank, N.A.
5350 - Bank South, N.A.
5351 - Provident National Bank
5353 - Commonwealth Bank of Australia
5359 - Core States
5362 - First National Bank of Commerce
5371 - Rocky Mountain Bankcard System, Inc.
5372 - Rocky Mountain Bankcard System, Inc.
5376 - Natwest Australia Bank, Ltd.
5379 - Bank of Louisiana in New Orleans
5384 - San Diego Trust & Savings Bank
5385 - Bank of Louisiana in New Orleans
5393 - First Omni Bank
5396 - AT&T's Universal Card
5398 - AT&T's Universal Card
5399 - DC Credit Co., Ltd.
5400 - United Bankcard Association
5401 - Card Services For Credit Unions
5402 - New Zealand Bankcard Associates Ltd.
5410 - Citibank / First National
5411 - Credicard, S.A.
5412 - Eurocard Ab
5413 - Eurocard Norge, A.S.
5414 - State Street Bank & Trust Co.
5415 - Union Bank
5416 - People's Bank
5417 - Associates National Bank / Bank of America
5418 - Household Bank
5419 - Oversea-Chinese Banking Corporation, Ltd.
5420 - Colonial National Bank
5421 - Bank of Credit and Commerce International
5422 - Huntington National Bank
5423 - University Credit Union
5424 - C.B.T. / Citibank
5425 - Banco De Santander / Barclay Card
5426 - Mellon Bank Delaware, N.A.
5429 - NCNB South Carolina
5430 - Centrust Savings Bank
5431 - The Hongkong and Shanghai Banking Corp.
5432 - Rocky Mountain Bankcard System, Inc.
5433 - Eurocard International, S.A.
5434 - National Westminster Bank
5436 - Sistarbanc, S.A.R.L.
5437 - The Massachusetts Co.
5438 - U.S. League Financial Services, Inc.
5439 - Central Bank of The South
5440 - Ncnb National Bank
5442 - First National Bank of Atlanta
5443 - Eurocard International, S.A.
5444 - The Fifth Third Bank
5445 - The Bank of Scottsdale/.Paradise Valley
5447 - AmeriTrust Company National Association
5448 - Crestar Bank
5450 - Lomas Bank, U.S.A.
5453 - Eurocard International, S.A.
5454 - Bank of New England-West, N.A.
5458 - Bank of New England-West / Crestar Bank
5460 - Citibank, N.A.
5462 - Central Bank
5463 - Eurocard International, S.A.
5465 - Chase Manhattan Bank
5469 - N.B.D. Bank Evanston, N.A.
5472 - Bank of New England Old Colony, N.A.
5480 - Bank of America
5485 - Commercial National Nank of Peoria
5485 - Citibank
5485 - Simmons First National Bank
5485 - Citibank
5488 - Financial Transaction Systems, Inc.
5489 - First American Bank of Virginia
5493 - Credicard, S.A.
5494 - Credit Union Card Services, Inc.
5485 - Citibank
5488 - Mellon Bank Delaware, N.A.
5489 - First American Bank of Virginia
5493 - Credicard, S.A.
5494 - Credit Union Card Services, Inc.
5498 - Star Bank, N.A.
5499 - The Bankcard Association, Inc.5554 - State Street Bank & Trust Co.


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