01-23-2023, 12:51 PM
Hi friends,
How are u today ? Hope ur all fine & happy.
Alright, I would like to share little tips on how to card something so that u can do it successfully. Well, our hope is the item u carded can be delivered to ur drop address "safely" (from ur point of view). Basically, what we are talking about is CNP (Card Not Present)/online-based transaction.
Little introduction on credit card types
There are many credit card types in the world, such as Visa/Visa Electron, Mastercard, American Express (AMEX), JCB (Japan Credit Bureau), BankCard, China Union Pay, Diners Club Carte Blanche, Diners Club enRoute, Diners Club International, Diners Club US & Canada, Discover, Laser (debit card), Maestro (debit card), Solo (debit card), Switch (debit card). Each of the card types has its own unique 6 prefixs (digits). This is known as IIN (Issuer Identification Number). Credit card digit length are various from 12 - 19 digits, depends on the card type.
Can we make a code to identify a card type ?
Yes ofcourse we can !
We can design the algorithm using Luhn algorithm and then code it with almost all programming/webprogramming languages to be a credit card digit validation tool. U can do this with Python, Perl, Delphi, C/C++, VB/VB.NET, PHP, AJAX, etc. I won't explain more about Luhn Algorithm, since it relates with mathematical. And I think u can understand it within several minutes. Here's the link u can review it later :
https://gist.github.com/baldurrensch/3363685
0x0010 : Understanding merchant account, payment gateway, and third-party payment gateway
Now u should hv understood yet about credit card type and how to validate it (the digits) using ur own great tool.
We'll take a look at the difference between merchant account, payment gateway, and third-party payment gateway.
1. An e-Commerce merchant account allows any (or almost) online business (also known as an e-Business or e-Commerce business) to accept credit cards/debit cards, gift cards and other forms of payment cards online based on the CNP (card not present) transaction principals, including MOTO (mail order/telephone order) transactions. e-Commerce merchant accounts can also be referred to as: online credit card payment accounts, online credit card processing accounts, credit card transaction accounts, and others. An e-Commerce merchant can get an e-Commerce merchant account from a merchant bank or a merchant service provider in his/her local area (city, state, country) or in another country (offshore/international e-Commerce merchant account).
2. A payment gateway is an e-commerce application service provider service that authorizes payments for e-businesses, online retailers, bricks and clicks, or traditional brick and mortar. It is the equivalent of a physical point of sale terminal located in most retail outlets. Payment gateway protects credit cards details encrypting sensitive information, such as credit card numbers, to ensure that information passes securely between the customer and the merchant and also between merchant and payment processor.
3. Third party processors are what e-Commerce merchants get when getting third party merchant accounts. Basically, third party processors are connected via an additional secure payment gateway to a direct credit card payment processor. A third party processor contributes to the work of the direct processor, sharing its expenses, i.e. paying much less. Many third party processors make up a network of e-Commerce merchants sharing one secure direct merchant account.
And how it works actually ? Okay, below performs procedures which used by the payment processor gateway to charge customer's credit card until there's full settlement of funding to the merchant. U should really understand well these procedures !
* A customer places order on website by pressing the 'Submit Order' or equivalent button, or perhaps enters their card details using an automatic phone answering service.
* If the order is via a website, the customer's web browser encrypts the information to be sent between the browser and the merchant's webserver. This is done via SSL (Secure Socket Layer) encryption.
* The merchant then forwards the transaction details to their payment gateway. This is another SSL encrypted connection to the payment server hosted by the payment gateway.
* The payment gateway forwards the transaction information to the processor used by the merchant's acquiring bank.
* The processor forwards the transaction information to the card association (i.e., Visa/MasterCard)
* If an American Express or Discover Card was used, then the processor acts as the issuing bank and directly provides a response of approved or declined to the payment gateway.
* Otherwise, the card association routes the transaction to the correct card issuing bank.
* The credit card issuing bank receives the authorization request and sends a response back to the processor (via the same process as the request for authorization) with
How are u today ? Hope ur all fine & happy.
Alright, I would like to share little tips on how to card something so that u can do it successfully. Well, our hope is the item u carded can be delivered to ur drop address "safely" (from ur point of view). Basically, what we are talking about is CNP (Card Not Present)/online-based transaction.
Little introduction on credit card types
There are many credit card types in the world, such as Visa/Visa Electron, Mastercard, American Express (AMEX), JCB (Japan Credit Bureau), BankCard, China Union Pay, Diners Club Carte Blanche, Diners Club enRoute, Diners Club International, Diners Club US & Canada, Discover, Laser (debit card), Maestro (debit card), Solo (debit card), Switch (debit card). Each of the card types has its own unique 6 prefixs (digits). This is known as IIN (Issuer Identification Number). Credit card digit length are various from 12 - 19 digits, depends on the card type.
Can we make a code to identify a card type ?
Yes ofcourse we can !
We can design the algorithm using Luhn algorithm and then code it with almost all programming/webprogramming languages to be a credit card digit validation tool. U can do this with Python, Perl, Delphi, C/C++, VB/VB.NET, PHP, AJAX, etc. I won't explain more about Luhn Algorithm, since it relates with mathematical. And I think u can understand it within several minutes. Here's the link u can review it later :
https://gist.github.com/baldurrensch/3363685
0x0010 : Understanding merchant account, payment gateway, and third-party payment gateway
Now u should hv understood yet about credit card type and how to validate it (the digits) using ur own great tool.
We'll take a look at the difference between merchant account, payment gateway, and third-party payment gateway.
1. An e-Commerce merchant account allows any (or almost) online business (also known as an e-Business or e-Commerce business) to accept credit cards/debit cards, gift cards and other forms of payment cards online based on the CNP (card not present) transaction principals, including MOTO (mail order/telephone order) transactions. e-Commerce merchant accounts can also be referred to as: online credit card payment accounts, online credit card processing accounts, credit card transaction accounts, and others. An e-Commerce merchant can get an e-Commerce merchant account from a merchant bank or a merchant service provider in his/her local area (city, state, country) or in another country (offshore/international e-Commerce merchant account).
2. A payment gateway is an e-commerce application service provider service that authorizes payments for e-businesses, online retailers, bricks and clicks, or traditional brick and mortar. It is the equivalent of a physical point of sale terminal located in most retail outlets. Payment gateway protects credit cards details encrypting sensitive information, such as credit card numbers, to ensure that information passes securely between the customer and the merchant and also between merchant and payment processor.
3. Third party processors are what e-Commerce merchants get when getting third party merchant accounts. Basically, third party processors are connected via an additional secure payment gateway to a direct credit card payment processor. A third party processor contributes to the work of the direct processor, sharing its expenses, i.e. paying much less. Many third party processors make up a network of e-Commerce merchants sharing one secure direct merchant account.
And how it works actually ? Okay, below performs procedures which used by the payment processor gateway to charge customer's credit card until there's full settlement of funding to the merchant. U should really understand well these procedures !
* A customer places order on website by pressing the 'Submit Order' or equivalent button, or perhaps enters their card details using an automatic phone answering service.
* If the order is via a website, the customer's web browser encrypts the information to be sent between the browser and the merchant's webserver. This is done via SSL (Secure Socket Layer) encryption.
* The merchant then forwards the transaction details to their payment gateway. This is another SSL encrypted connection to the payment server hosted by the payment gateway.
* The payment gateway forwards the transaction information to the processor used by the merchant's acquiring bank.
* The processor forwards the transaction information to the card association (i.e., Visa/MasterCard)
* If an American Express or Discover Card was used, then the processor acts as the issuing bank and directly provides a response of approved or declined to the payment gateway.
* Otherwise, the card association routes the transaction to the correct card issuing bank.
* The credit card issuing bank receives the authorization request and sends a response back to the processor (via the same process as the request for authorization) with
