Join Date: May 2023
Posts: 1
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Track 2 Equivalent Data is made to ensure that with minimal changes on the servers of banks and processing, to receive and process chip cards.
*Track 2 Equivalent Data introduced*in order for banks and processings to change settings on their servers less
The old configured infrastructure for accepting bank cards should change dramatically when chip cards are introduced
it is difficult and expensive to change old infrastructure all over the world simultaneously
*Track 2 Equivalent Data is designed to make the transition to chip technology smooth and painless
All the existing infrastructure for accepting bank cards was created for the magnetic strip.
When introducing EMV, it is very difficult to change everything at once and around the world.
for EMV and only for EMV - Track 2 Equivalent Data is not needed
Track 2 Equivalent Data is made so that banks and processors can accept chip cards using the old infrastructure designed for magnetic stripe cards.
In 2008-2009, visa and mastercard introduced the rules under which Track 2 Equivalent Data should differ from the same data on the magnetic strip
when implementing the EMV standard in a country or world in which a bank card on a magnetic strip has never existed - no one would invent this very Track 2 Equivalent Data
Initially, payment systems created Track 2 Equivalent Data with a full copy of data on a magnetic strip.
carders began to use this
In 2008-2009, the instructions of payment systems were issued - that the data in Track 2 Equivalent Data and on the magnetic strip of the same card were different
data exchange between banks involves the use of standard data fields
data exchange between banks when using bank cards lies in the accepted rules, formats, sizes of transmitted messages
in order to transfer data when using the new technology EMV - all formats, sizes, rules, messaging - need to be redone
reworking historically established protocols is difficult and expensive.
Track 2 Equivalent Data is designed to use old messaging channels. to use the old configured infrastructure for sending / receiving, processing, messages
differences Track 2 Equivalent Data from Track 2 located on the magnetic strip in the value of CVV
cvv located in Track 2 Equivalent Data when paying by a contact card when using the old infrastructure has its own name
cvv included in Track 2 Equivalent Data when paying with a contactless card, using the old infrastructure has its own name
payment systems do not prescribe the dynamic value of cvv in Track 2 Equivalent Data when using the contact interface
The dynamic cvv value in Track 2 Equivalent Data is used when using a contactless interface. contactless card !!
Track 2 Equivalent Data stored on a chip card, while using contact payment, is different from Track 2 on a magnetic strip. from 2008-2009. if the bank follows the instructions of the payment systems and not a imbecile.
If payment occurs in a contactless manner, there are two options:
1) Track 2 Equivalent Data is not needed at all. everything works like a stripped-down (for service speed) version of EMV
2) the card forms Track 2 Equivalent Data in which cvv is formed based on ATC and Unpredictable Number
often reasoning is based on very very general knowledge. with such reasoning it is impossible to plan anything. still in order to plan fraud, you need to know what is:
CVV / CVC
CVV2 / CVC2
dCVV / CVC3
iCVV / chipCVC
It should also be remembered that if someone tells stories convincing that fraud is possible, even in a place where this is impossible,
the simplest answer that can explain the existing state of affairs is that some banks can poorly process data on their server.
this is the exception rather than the rule.
if checking some data on authorizing a request for an operation on a bank server is done carelessly, then fraud is possible even where it is difficult to imagine.
if I pay in a store for goods worth $ 1000 only $ 100 and the cashier at the checkout mistakenly assumes that I gave him $ 1000 and allows me to buy goods for $ 950 and give a change for $ 50
The cost of such information (that I bought it and it is true) is very small. it will be very difficult to repeat. the cashier will be fired and another cashier will be more careful to count the money
Issuations of a similar nature, present on the forum and breeding thanks to a scoundrels, pursue only the goal of selling air in the end. super emv program or magic emv skimmer
for the implementation of fraud in 2019 there are no clear ready-made recommendations, possible in 2000-2005. clear universal algorithm can not exist at the moment.
need to study and explore every single bank. fraud is possible due to improper implementation of the standards adopted by the payment systems in banks.
It is much more important to increase your personal level of knowledge than to look for any proof of fraud.
due to the fact that without the accompanying knowledge to do something with the information received about the fraude, except to be deceived, when buying air, will not work.
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03-30-2025, 11:42 AM
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