Potential idea for a software for credit card processing

[Intolerable]

Hey guys. New to this forum here. I wanted to ask a question about a very specific subject but not for any illegal purposes. I am studying credit card and debit card numbers for possible calculations of security codes to usage of old and expired numbers. Okay. Why am I here... I need technical tips on this subject, I want to ask, is there a program out there that can reverse a credit card number back to the persons name and address (zip code)? Like if I were to have a legit credit card number ready to be tested, is there any programs out there that have the potential to maybe spot out details like zip codes, name belonging to number, history of number, production of number, and or bank name. But yeah. I'm not 100% sure whether this program is fictional so I haven't lost all hope yet.  I came to a conclusion that this is the best place to start for getting help in this field(knowing this could lead to illegal contradictions... I'm happy to show valid reason for this topic). Pm for anything ! Thanks

[HTH]

meh, seems legit.

There exists programs like that otherwise you wouldn't be able to validate CC information.

Publically however, I know of none. You'd presumably need access to mastercards/visas/some financial institutions db

[KingCasra]

Yea actually there is such program. It's called XkeyScore

[HTH]

XKeyScore as in the program the NSA funded to automagically sift through captured internet data?
If you have access to that then you might as well have access to a financial institutions db.
Unless of course there's been a big leak recently I'm unaware of?

Either way XKeyScore would only be able to go CC -> persons name if they had monitored a transaction in plaintext (or https they could decrypt) of that person using that CCN.

[KingCasra]

I know. It was a joke

[Cobia]

Your answer is yes/no.

Although you can verify whether a credit card number is legitimate via an algorithm called the Luhn Algorithm, you can't check it against a name.

The name for a credit card isn't a verifiable piece of information through anything except the issuers private records.

Sooo, short of getting access to the bank's database you have no programmatic way to check names.
BUT. You can actually figure out the issuing bank via the first numbers somewhat reliably. Check the hyperlink.

• 4 for Visa cards
• 5 for Master cards
• 37 for American Express cards

That's about as much as I know, the algorithm is REALLY simple to write.
One more thing.

If you wanted to get all hackerish w/it you could look for some data exposure in popular banking sites. Some sort of form or backend script that allows you to query card information.

That'd be REALLY cool.

[srirachasauce]

Software like this sort of kind of exists, but for the purpose of "security". I would recommend you take a look at how PoS (Point of Sale) systems work, as well as AVS (Address Verification System). You remember that one time you changed addresses but forgot to change it with your bank and Pizza Hut said your credit card information was incorrect? Well that's AVS:

http://en.wikipedia.org/wiki/Address_Verification_System

Here is a fucking fantastic book that I think would go well with your research into how a lot of these systems work (hacking point of sale):

http://it-ebooks.info/book/3764/

Good luck, and I hope some of my input helps you out.