[Stolen Database / BIN lists] │ ▼ [Automated Script (e.g., MrChecker CCN2)] │ ▼ [Rapid Micro-Transactions via Merchant Gateways] ┌───────┴───────┐ │ │ ▼ ▼ [Declined Card] [Approved Card ("Live")] │ │ ▼ ▼ [Discarded] [Packaged for Fraudulent High-Value Buys] Step 1: Bulk Database Ingestion