Using a Credit card online.

welcome JDGinfire, we have just moved the topic to this forum.

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Thanks Vikas , was busy with work, here is my 2 cents on credit card security.

How safe is one's Credit Card?

Before entering into the discussion let me explain the basic parts of credit card.



The parts (1 to 5) of the credit card as represented by the image are:

(1) The credit card number. This can be broken into 4 parts:
[list:80c96d760c] (i) System Number (for Visa=4, for Mastercard=5,etc.)
(ii)Bank Number(i.e. Bank Code)
(iii)The Account Number of the user.
(iv)The Check Code

(2)The expiry date and name ( mentioned on the front)

(3)The magnetic strip on the back containing information on the credit limit , bank details , ATM pin code,etc.

(4) A 3 or 4 digit verification PIN code(on the reverse).Some cards have this.

(5) The signature strip which helps prevent an unauthorised person from using the credit card of the user offline.

1) Web Interface (Your Computer)
2)Webserver
3)Bank Server/Data Server.

1) The computer may be infected by Worms or Trojans. these send information via email from one's interface to their creators including even credit card details.

2) Keyloggers may be present in the interface which log everything one types and email it to a hacker.

3) Spyware may be present which retrieves information from one's computer and sends it to malicious sites.

Mike great article, thanks for writing, I know how busy you are with your marketing and technical stuffs.

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We hear of such wide use of credit cards on line. I may be too "bull headed",but I have used my credit cards on line with a major internet
service provider. I had $300 in my account,and I was charged $1200 and
have since discontinued the service. I tell all my Spanish and Chinese
friends the trick they used when I said I would purchase some items in about 90 days. The address was current and the card was on file .
I still have a bad credit report from the incidents :roll: :arrow: :arrow: :arrow: :arrow: [/quote]

There are a few programs that you can install in your computer to defend your computer from Trojans and other viruses. I am actually using both right now. Spybot monitors your web surfing and asks you to verify any changes to your computer's registry. Viruses and Trojans usually take over a computer by installing itself in your registry. So this is a valuable tool to use when you are doing important banking transactions on line.

Good technical help benjaminz6 :D

The guys in the forums are also doing well for all of us and make us well informed.

Regards
Roxette

I use several anti-spyware and anti-virus programs on my PCs.
One of my current favorites are SpyWare Doctor for anti-spyware protection with some anti-virus features, but you must purchase the product.

For the last few years, I have used the anti-virus program Avast! You can download a full working product for free, and works as well as some of the expensive, resource-hogging ???????big name??????? products I????????ve used???????Try Avast.com or do a Google search for download opportunities???????

A free anti-spyware program that I have used successfully in the past is AdAware. You can download the free version at Lavasoft.com. (Purchased versions are available, too, but the free one does a pretty commendable job???????)

One of my all time favorite ???????what????????s going on in my PC????????s head??????? tools is BelarcAdvisor???????Get it here: belarc.com/free_download.html
This baby works totally within your machine ???????? the info doesn????????t go to some database in who-knows-where.
It not only gives you security recommendations based on what????????s happening within your own PC, in literally SECONDS, it will give you a complete report of EVERYTHING that????????s on your computer ???????? hardware, software, updates, license keys - EVERYTHING???????

Our military & government use this software, as do lots of major corporations. I????????ve used it for several years, and HIGHLY RECOMMEND it???????
Once you run it a few times and get to know what normally lives on your computer, it????????s easy to pick out anything ???????new??????? that you haven????????t added ???????? which makes it great for detecting ???????nits??????? of bugs you thought you????????d gotten shed-of???????
It????????s also a minor miracle if you need a license key for a piece of your software & don????????t recall ???????that special place??????? you put it???????Run BelarcAdvisor and it will TELL YOU the license key???????

I have other ???????purchased??????? programs that I use, too, but these three free downloads will REALLY help you out, if you currently are operating without any protection???????

-notyour

....forgot to mention - if you need to replace a PART in your PC, Belarc knows what you need, too...
Print a copy of your report every now & then for reference. If you need to do PC repairs, your report will tell you the make, model, manufacturer, etc of the part you're replacing....makes it WAY easier to order the correct part to fit your machine & system...

-notyour