The back of your card stores a lot of different numbers. The most common numbers people can see and use are the 3 or 4 digit security code known as any of
CAV2/CVC2/CVV2/CID. But the magnetic stripe also includes a lot of data. This Youtube video shows how the magstripe data translates into a set of numbers that have a lot of different meanings (also shows some interesting ways to "hack" this magnetic system).
I assume you are talking about the 3/4 digit security code numbers.
Now, how can you *get* that security code number? If the debit card issuer is behaving properly, there's basically two ways to get the numbers. The first is to have the actual card in your posession (or a photo of the back of the card). The second is to be the processor for the card. Why are these the only two ways to have that number? It's a requirement of the Payment Card Industry Data Security Standard or PCI-DSS. Here is a screenshot of the PCI-DSS version 3.1 pdf:
I've highlighted the section of the pdf that says "Cannot store [security code] per Requirement 3.2."
Here's the flow of the security code:
* it's a random number that is generated by the processor
* the processor stores it, no doubt in encrypted format inside a database that is probably encrypted at the disk level
* the processor transmits it to the printer for the purposes of printing on the back of the card
* the printer destroys the information as quickly as they can after printing it
* if the value needs to be verified, the processor can do that
But if the card issuer and all the partners are handling data according to the very clear instructions of the standard then there is no way to get that value other than having the card or being the processor.
CAV2/CVC2/CVV2/CID. But the magnetic stripe also includes a lot of data. This Youtube video shows how the magstripe data translates into a set of numbers that have a lot of different meanings (also shows some interesting ways to "hack" this magnetic system).
I assume you are talking about the 3/4 digit security code numbers.
Now, how can you *get* that security code number? If the debit card issuer is behaving properly, there's basically two ways to get the numbers. The first is to have the actual card in your posession (or a photo of the back of the card). The second is to be the processor for the card. Why are these the only two ways to have that number? It's a requirement of the Payment Card Industry Data Security Standard or PCI-DSS. Here is a screenshot of the PCI-DSS version 3.1 pdf:
I've highlighted the section of the pdf that says "Cannot store [security code] per Requirement 3.2."
Here's the flow of the security code:
* it's a random number that is generated by the processor
* the processor stores it, no doubt in encrypted format inside a database that is probably encrypted at the disk level
* the processor transmits it to the printer for the purposes of printing on the back of the card
* the printer destroys the information as quickly as they can after printing it
* if the value needs to be verified, the processor can do that
But if the card issuer and all the partners are handling data according to the very clear instructions of the standard then there is no way to get that value other than having the card or being the processor.
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