Underground online forums are platforms that enable trades of illicit services and stolen goods. Carding forums, in particular, are known for being focused on trading financial information. However, little evidence exists about the sellers that are present on carding forums, the precise types of products they advertise, and the prices buyers pay. Existing literature mainly focuses on the organisation and structure of the forums. Furthermore, studies on carding forums are usually based on literature review, expert interviews, or data from forums that have already been shut down. This paper provides first-of-its-kind empirical evidence on active forums where stolen financial data is traded. We monitored 5 out of 25 discovered forums, collected posts from the forums over a three-month period, and analysed them quantitatively and qualitatively. We focused our analyses on products, prices, seller prolificacy, seller specialisation, and seller reputation.
Credit card information is generally divided into three groups: , , and @cite_29 . Credit card numbers (also known as ) include at least the information printed on the card, that is, actual credit card number, cardholder name, expiration date and security code on the back of the card (not to be confused with CVV), and sometimes, the billing address and phone number. Dumps denote information from the tracks on the magnetic stripe of a card. These data are required to clone physical credit cards. Fullz provide further information on the cardholder including, for example, date of birth or social security number @cite_29 .
@cite_29
2136340790 2561283532 2078483465 1714704582 1586237437 2014005029 2891024670 2080640552 2055158566 2790611518 2096558825 2623550824 2072918779 1539175566 1415990210 2171217544 1091014733 2010859647 2231154347 2085237221
RFID-enabled credit cards are widely deployed in the United States and other countries, but no public study has thoroughly analyzed the mechanisms that provide both security and privacy. Using samples from a variety of RFID-enabled credit cards, our study observes that (1) the cardholder's name and often credit card number and expiration are leaked in plaintext to unauthenticated readers, (2) our homemade device costing around $150 effectively clones one type of skimmed cards thus providing a proof-of-concept implementation for the RF replay attack, (3) information revealed by the RFID transmission cross contaminates the security of RFID and non-RFID payment contexts, and (4) RFID-enabled credit cards are susceptible in various degrees to a range of other traditional RFID attacks such as skimming and relaying. Credit card is one of the popular modes of payment for electronic transactions in many developed and developing countries. Invention of credit cards has made online transactions seamless, easier, comfortable and convenient. However, it has also provided new fraud opportunities for criminals, and in turn, increased fraud rate. The global impact of credit card fraud is alarming, millions of US dollars have been lost by many companies and individuals. Furthermore, cybercriminals are innovating sophisticated techniques on a regular basis, hence, there is an urgent task to develop improved and dynamic techniques capable of adapting to rapidly evolving fraudulent patterns. Achieving this task is very challenging, primarily due to the dynamic nature of fraud and also due to lack of dataset for researchers. This paper presents a review of improved credit card fraud detection techniques. Precisely, this paper focused on recent Machine Learning based and Nature Inspired based credit card fraud detection techniques proposed in literature. This paper provides a picture of recent trend in credit card fraud detection. Moreover, this review outlines some limitations and contributions of existing credit card fraud detection techniques, it also provides necessary background information for researchers in this domain. Additionally, this review serves as a guide and stepping stone for financial institutions and individuals seeking for new and effective credit card fraud detection techniques. Magnetic stripe cards are in common use for electronic payments and cash withdrawal. Reported incidents document that criminals easily pickpocket cards or skim them by swiping them through additional card readers. Personal identification numbers (PINs) are obtained by shoulder surfing, through the use of mirrors or concealed miniature cameras. Both elements, the PIN and the card, are generally sufficient to give the criminal full access to the victim's account. In this paper, we present alternative PIN entry methods to which we refer as cognitive trapdoor games. These methods make it significantly harder for a criminal to obtain PINs even if he fully observes the entire input and output of a PIN entry procedure. We also introduce the idea of probabilistic cognitive trapdoor games, which offer resilience to shoulder surfing even if the criminal records a PIN entry procedure with a camera. We studied the security as well as the usability of our methods, the results of which we also present in the paper. This paper proposes a novel approach that applies neural network forecasting to security for closed-loop prepaid cards based on low-cost technologies such as RFID and 1-Wire. The security vulnerability of low-cost RFID closed-loop prepaid card systems originates mostly from the card itself. Criminal organizations counterfeit or clone card data. Although high-security prepaid cards exist, they are often too expensive for transport ticketing, and even their security is not guaranteed for a well-defined period of time. Therefore, data encryption systems are used widely against counterfeiting with success. However, it has not been possible to develop countermeasures with comparable success against cloning. Our proposed security application uses neural network forecasting to determine the recharge day behavioral characteristics of the cardholder and predict the next time the cardholder will recharge their card. Based on the prediction for the recharge time, the expiration date of the low-cost RFID prepaid card is defined, which is a good countermeasure against cloning. FTDNN, LRNN, and NARX network architectures with one hidden layer are considered in this research. The effects of the network architecture, the number of neurons, the training algorithm, and the prediction performance function on the recharge day forecast are investigated. Experimental results confirm the accuracy of the recharge time forecast and confirm countermeasures against cloning. Our proposed security approach with neural network forecasting is applied with success to the Turkish public transport without an online backend system. Credit card fraud is a common problem in today's world. Financial institutions have registered major loses till today due to users being exposed of their credit card information. Shoulder-surfing or observation attacks, including card skimming and video recording with hidden cameras while users perform PIN-based authentication at ATM terminals is one of the common threats for common users. Researchers have struggled to come up with secure solutions for secure PIN authentication. However, modern day ubiquitous wearable devices, such as the Google Glass have presented us with newer opportunities in this research area. In this paper, we propose Secure-PIN-Authentication-as-a-Service (SEPIA), a secure obfuscated PIN authentication protocol for ATM and other point-of-service terminals using cloud-connected personal mobile and wearable devices. Our approach protects the user from shoulder-surfers and partial observation attacks, and is also resistant to relay, replay, and intermediate transaction attacks. A SEPIA user utilizes a Google Glass or a mobile device for scanning a QR code on the terminal screen to prove co-location to the cloud-based server and obtain a secure PIN template for point-of-service authentication. SEPIA ensures minimal task overhead on the user's device with maximal computation offloaded to the cloud. We have implemented a proof-of-concept prototype to perform experimental analysis and a usability study for the SEPIA architecture. Credit card fraud has seen rampant increase in the past years, as customers use credit cards and similar financial instruments frequently. Both online and brick-and-mortar outfits repeatedly fall victim to cybercriminals who siphon off credit card information in bulk. Despite the many and creative ways that attackers use to steal and trade credit card information, the stolen information can rarely be used to withdraw money directly, due to protection mechanisms such as PINs and cash advance limits. As such, cybercriminals have had to devise more advanced monetization schemes to work around the current restrictions. One monetization scheme that has been steadily gaining traction are reshipping scams. In such scams, cybercriminals purchase high-value or highly-demanded products from online merchants using stolen payment instruments, and then ship the items to a credulous citizen. This person, who has been recruited by the scammer under the guise of "work-from-home" opportunities, then forwards the received products to the cybercriminals, most of whom are located overseas. Once the goods reach the cybercriminals, they are then resold on the black market for an illicit profit. Due to the intricacies of this kind of scam, it is exceedingly difficult to trace, stop, and return shipments, which is why reshipping scams have become a common means for miscreants to turn stolen credit cards into cash. In this paper, we report on the first large-scale analysis of reshipping scams, based on information that we obtained from multiple reshipping scam websites. We provide insights into the underground economy behind reshipping scams, such as the relationships among the various actors involved, the market size of this kind of scam, and the associated operational churn. We find that there exist prolific reshipping scam operations, with one having shipped nearly 6,000 packages in just 9 months of operation, exceeding 7.3 million US dollars in yearly revenue, contributing to an overall reshipping scam revenue of an estimated 1.8 billion US dollars per year. Finally, we propose possible approaches to intervene and disrupt reshipping scam services. Side-channel attack is a known security risk to smart cards, and there have been efforts by smart card manufacturers to incorporate side-channel attack countermeasures. In this paper, we study a widely used smart card that uses the 3DES algorithm. First, a platform is setup to extract the power consumption information from the electromagnetic wave. Based on the findings from the initial analysis, we determine that the card is equipped with a “head and tail protection” mechanism. Second, a chosen-plaintext power analysis with a complexity of 216 is proposed, which is designed to recover the second round key from the power leakage in the third round. Then, a slicing-collision-algebraic attack is presented, which decreases the complexity to 26 rapidly. The experiments show that after collecting 20000 power traces (in approximately 200 s), only @math key guesses and another 177 searches (about 300 seconds) are sufficient in recovering the 56-bit source keys of DES successfully. In other words, we demonstrate how the security of the 3DES card can be easily compromised, using side-channel attacks. Finally, we recommend that the head and tail protection should extend to the first and last four rounds, at the minimal, in order to be side-channel attack resilience. We present a system, RCV, for enabling software applications to survive divide-by-zero and null-dereference errors. RCV operates directly on off-the-shelf, production, stripped x86 binary executables. RCV implements recovery shepherding, which attaches to the application process when an error occurs, repairs the execution, tracks the repair effects as the execution continues, contains the repair effects within the application process, and detaches from the process after all repair effects are flushed from the process state. RCV therefore incurs negligible overhead during the normal execution of the application. We evaluate RCV on all divide-by-zero and null-dereference errors available in the CVE database [2] from January 2011 to March 2013 that 1) provide publicly-available inputs that trigger the error which 2) we were able to use to trigger the reported error in our experimental environment. We collected a total of 18 errors in seven real world applications, Wireshark, the FreeType library, Claws Mail, LibreOffice, GIMP, the PHP interpreter, and Chromium. For 17 of the 18 errors, RCV enables the application to continue to execute to provide acceptable output and service to its users on the error-triggering inputs. For 13 of the 18 errors, the continued RCV execution eventually flushes all of the repair effects and RCV detaches to restore the application to full clean functionality. We perform a manual analysis of the source code relevant to our benchmark errors, which indicates that for 11 of the 18 errors the RCV and later patched versions produce identical or equivalent results on all inputs. The growing accessibility of mobile devices has substantially reformed the way users access information. While the reactive search by query remains as common as before, recent years have witnessed the emergence of various proactive systems such as Google Now and Microsoft Cortana. In these systems, relevant content is presented to users based on their context without a query. Interestingly, despite the increasing popularity of such services, there is very little known about how users interact with them. In this paper, we present the first study on user interactions with information cards. We demonstrate that the usage patterns of these cards vary depending on time and location. We also show that while overall different topics are clicked by users on proactive and reactive platforms, the topics of the clicked documents by the same user tend to be consistent cross-platform. Furthermore, we propose a supervised framework for re-ranking proactive cards based on the user's context and past history. To train our models, we use the viewport duration and clicks to infer pseudo-relevance labels for the cards. Our results suggest that the quality of card ranking can be significantly improved particularly when the user's reactive search history is leveraged and matched against the proactive data about the cards. Abstract We predict mortgage default by applying convolutional neural networks to consumer transaction data. For each consumer we have the balances of the checking account, savings account, and the credit card, in addition to the daily number of transactions on the checking account, and amount transferred into the checking account. With no other information about each consumer we are able to achieve a ROC AUC of 0.918 for the networks, and 0.926 for the networks in combination with a random forests classifier. We study the problem of protecting privacy in the publication of location sequences. Consider a database of trajectories, corresponding to movements of people, captured by their transactions when they use credit or RFID debit cards. We show that, if such trajectories are published exactly (by only hiding the identities of persons that followed them), there is a high risk of privacy breach by adversaries who hold partial information about them (e.g., shop owners). In particular, we show that one can use partial trajectory knowledge as a quasi-identifier for the remaining locations in the sequence. We device a data suppression technique, which prevents this type of breach, while keeping the posted data as accurate as possible. Big Data applications suffer from unpredictable and unacceptably high pause times due to Garbage Collection (GC). This is the case in latency-sensitive applications such as on-line credit-card fraud detection, graph-based computing for analysis on social networks, etc. Such pauses compromise latency requirements of the whole application stack and result from applications' aggressive buffering caching of data, exposing an ill-suited GC design, which assumes that most objects will die young and does not consider that applications hold large amounts of middle-lived data in memory. To avoid such pauses, we propose NG2C, a new GC algorithm that combines pretenuring with user-defined dynamic generations. By being able to allocate objects into different generations, NG2C is able to group objects with similar lifetime profiles in the same generation. By allocating objects with similar lifetime profiles close to each other, i.e. in the same generation, we avoid object promotion (copying between generations) and heap fragmentation (which leads to heap compactions) both responsible for most of the duration of HotSpot GC pause times. NG2C is implemented for the OpenJDK 8 HotSpot Java Virtual Machine, as an extension of the Garbage First GC. We evaluate NG2C using Cassandra, Lucene, and GraphChi with three different GCs: Garbage First (G1), Concurrent Mark Sweep (CMS), and NG2C. Results show that NG2C decreases the worst observable GC pause time by up to 94.8 for Cassandra, 85.0 for Lucene and 96.45 for GraphChi, when compared to current collectors (G1 and CMS). In addition, NG2c has no negative impact on application throughput or memory usage. In recent years, information trustworthiness has become a serious issue when user-generated contents prevail in our information world. In this paper, we investigate the important problem of estimating information trustworthiness from the perspective of correlating and comparing multiple data sources. To a certain extent, the consistency degree is an indicator of information reliability--Information unanimously agreed by all the sources is more likely to be reliable. Based on this principle, we develop an effective computational approach to identify consistent information from multiple data sources. Particularly, we analyze vast amounts of information collected from multiple review platforms (multiple sources) in which people can rate and review the items they have purchased. The major challenge is that different platforms attract diverse sets of users, and thus information cannot be compared directly at the surface. However, latent reasons hidden in user ratings are mostly shared by multiple sources, and thus inconsistency about an item only appears when some source provides ratings deviating from the common latent reasons. Therefore, we propose a novel two-step procedure to calculate information consistency degrees for a set of items which are rated by multiple sets of users on different platforms. We first build a Multi-Source Deep Belief Network (MSDBN) to identify the common reasons hidden in multi-source rating data, and then calculate a consistency score for each item by comparing individual sources with the reconstructed data derived from the latent reasons. We conduct experiments on real user ratings collected from Orbitz, Priceline and TripAdvisor on all the hotels in Las Vegas and New York City. Experimental results demonstrate that the proposed approach successfully finds the hotels that receive inconsistent, and possibly unreliable, ratings. A perpetual calendar that has a flat frame with two cavities. When cards are arranged in each cavity of the frame it will display a specific month. To display a particular number of days in a month, select the proper 31 day card and arrange the vertical slits on the card with the horizontal slit on the frame to obtain 28, 29, 30 or 31 days. To display a particular month choose the name of the month card to be viewed and insert it in the position of the frame provided for it. The few cards that are not used will remain in the frame cavities behind the month being displayed. This perpetual calendar can also display three consecutive months at one time. In this study we characterize the extent to which cyber security incidents, such as those referenced by Verizon in its annual Data Breach Investigations Reports (DBIR), can be predicted based on externally observable properties of an organization's network. We seek to proactively forecast an organization's breaches and to do so without cooperation of the organization itself. To accomplish this goal, we collect 258 externally measurable features about an organization's network from two main categories: mismanagement symptoms, such as misconfigured DNS or BGP within a network, and malicious activity time series, which include spam, phishing, and scanning activity sourced from these organizations. Using these features we train and test a Random Forest (RF) classifier against more than 1,000 incident reports taken from the VERIS community database, Hackmageddon, and the Web Hacking Incidents Database that cover events from mid-2013 to the end of 2014. The resulting classifier is able to achieve a 90 True Positive (TP) rate, a 10 False Positive (FP) rate, and an overall 90 accuracy. Motivated by the study of peer-to-peer file swarming systems a la BitTorrent, we introduce a probabilistic model of coupon replication systems. These systems consist of users aiming to complete a collection of distinct coupons. Users enter the system with an initial coupon provided by a bootstrap server, acquire other coupons from other users, and leave once they complete their coupon collection. For open systems, with exogenous user arrivals, we derive stability condition for a layered scenario, where encounters are between users holding the same number of coupons. We also consider a system where encounters are between users chosen uniformly at random from the whole population. We show that sojourn time in both systems is asymptotically optimal as the number of coupon types becomes large. We also consider closed systems with no exogenous user arrivals. In a special scenario where users have only one missing coupon, we evaluate the size of the population ultimately remaining in the system, as the initial number of users N goes to infinity. We show that this size decreases geometrically with the number of coupons K. In particular, when the ratio K log(N) is above a critical threshold, we prove that this number of leftovers is of order log(log(N)). These results suggest that, under the assumption that the bootstrap server is not a bottleneck, the performance does not depend critically on either altruistic user behavior or on load-balancing strategies such as rarest first. This paper proposes a system called CFP Manager specialized on IT field and designed to ease the process of searching conference suitable to one's need. At present, the handling of CFP faces two problems: for emails, the huge quantity of CFP received can be easily skimmed through. For websites, the reviewing of some of the main CFP aggregators available online points out the lack of usable criteria. This system proposes to answer to these problems via its architecture consisting of three components: firstly an Information Extraction module extracting relevant information as date, location, etc... from CFP using rule based text mining algorithm. The second component enriches the now extracted data with external one from ontology models. Finally the last one displays the said data and allows the end user to perform complex queries on the CFP dataset and thus allow him to only access to CFP suitable for him. In order to validate the authors' proposal, they eventually process the well-known precision recall metric on our information extraction component with an average of 0.95 for precision and 0.91 for recall on three different 100 CFP dataset. This paper finally discusses the validity of our approach by confronting our system for different queries with two systems already available online WikiCFP and IEEE Conference Search and basic text searching approach standing for searching in an email box. On a 100 CFP dataset with the wide variety of usable data and the possibility to perform complex queries we surpass basic text searching method and WikiCFP by not returning the false positive usually returned by them and find a result close to the IEEE system. Motivated by the study of peer-to-peer file swarming systems a la BitTorrent, we introduce a probabilistic model of coupon replication systems. These systems consist of users, aiming to complete a collection of distinct coupons. Users are characterised by their current collection of coupons, and leave the system once they complete their coupon collection. The system evolution is then specified by describing how users of distinct types meet, and which coupons get replicated upon such encounters.For open systems, with exogenous user arrivals, we derive necessary and sufficient stability conditions in a layered scenario, where encounters are between users holding the same number of coupons. We also consider a system where encounters are between users chosen uniformly at random from the whole population. We show that performance, captured by sojourn time, is asymptotically optimal in both systems as the number of coupon types becomes large.We also consider closed systems with no exogenous user arrivals. In a special scenario where users have only one missing coupon, we evaluate the size of the population ultimately remaining in the system, as the initial number of users, N, goes to infinity. We show that this decreases geometrically with the number of coupons, K. In particular, when the ratio K log(N) is above a critical threshold, we prove that this number of left-overs is of order log(log(N)).These results suggest that performance of file swarming systems does not depend critically on either altruistic user behavior, or on load balancing strategies such as rarest first. We investigate leave-one-out cross validation (CV) as a determinator of the weight of the penalty term in the least absolute shrinkage and selection operator (LASSO). First, on the basis of the message passing algorithm and a perturbative discussion assuming that the number of observations is sufficiently large, we provide simple formulas for approximately assessing two types of CV errors, which enable us to significantly reduce the necessary cost of computation. These formulas also provide a simple connection of the CV errors to the residual sums of squares between the reconstructed and the given measurements. Second, on the basis of this finding, we analytically evaluate the CV errors when the design matrix is given as a simple random matrix in the large size limit by using the replica method. Finally, these results are compared with those of numerical simulations on finite-size systems and are confirmed to be correct. We also apply the simple formulas of the first type of CV error to an actual dataset of the supernovae. We generalize an empirical likelihood approach to deal with missing data to a model of consumer credit scoring. An application to recent consumer credit data shows that our procedure yields parameter estimates which are significantly different (both statistically and economically) from the case where customers who were refused credit are ignored. This has obvious implications for commercial banks as it shows that refused customers should not be ignored when developing scorecards for the retail business. We also show that forecasts of defaults derived from the method proposed in this paper improve upon the standard ones when refused customers do not enter the estimation data set.