The Anatomy Of A Credit Card - And exploiting old payment systems

     Ever wonder what the numbers on your credit or debit card mean? Well it's no huge secret, just refer to this info-graphic.
Then we'll go over how to generate one.

For a much more detailed and complicated explanation you can look at these white papers

http://www.merriampark.com/anatomycc.htm

Now that you know exactly how cards work, let's look into getting a generated number to use online for surveys and other things...

     Not only could this help you bypass surveys this could also help you get things like free E-books  (and.. other crap). A lot of really cheap or old sites that don't use things like paypal but use older methods direct with the bank wont know right away you don't have money. Keep in mind this is the old way of doing things.

Ever notice that when you buy Gas, or something from Amazon.com that sometimes you get a chard on your card for $1 and then later the rest of the price? That is the new way of validating a card very fast. The old way was to just verify the number was actually legitimate, which we can exploit in the right light.

To generate a fake Credit Card number (that is still valid) along with a name and other things just head over to

http://www.fakenamegenerator.com/

They will provide you with numbers that still validate according to the info-graphic above.

Beware the address is not at all correct ever, however getting a fake address is easy in itself

Now if the online vendor requires the card's cvv number, you are pretty much out of luck

CVVs, CVV2s, CVCs, and Indent CVCs are 3-digit Card Verification Values or Card Verification Codes that are all calculated using the same CVV algorithm. These values are required by payment systems such as Visa and MasterCard to authenticate their credit or debit cards. Different names are used to refer to the values depending on the particular payment system, the location of the value on the card, and the parameters passed to the CVV algorithm.
To calculate a 3-digit CVV, the CVV algorithm requires a Primary Account Number (PAN), a 4-digit Expiration Date, a 3-digit Service Code, and a pair of DES keys (CVKs).
Besides the obvious CVV variations provided by different PANs and expiration dates, most card issuers will use different CVKs for different batches of cards. Cards can be grouped by bank, by ATM network, or by other means of identifying a certain group of cards. Cards in the same batch will often use the same service code. This service code to the CVV algorithmis usually non-zero. One CVV variant, now commonly called CVV2 (Visa), or Indent CVC (MasterCard), uses '000' as the service code parameter to the CVV algorithm. Sometimes a card will have both a traditional CVV and a CVV2.
Another variation to the CVV algorithm can be introduced by changing the format of the expiration date. While the date is always the concatenation of the 2-digit month (MM) andlast 2 digits of the year (YY), it can be in either YYMM or MMYY formats. For instance, Visa CVV2s are usually calculated using the YYMM format. - via http://www.darkcoding.net/credit-card/cvv-numbers/

How ever small purchases like ebooks and  other crap (I say crap as in, no good merchandise will be sold on this old method) rarely requre a CVV