As a matter of interest I worked for 8 months with a guy who was a senior person in a well known financial
institution. His role was with regard to fraud detection on accounts and cards. His obligations on confidentiality
extended indefinitely and he hadn't worked in that arena for two years. In all the conversations I had with him
about such things the amount of information I got from him in respect of anything related to such decision making
was nil.
I can understand someone being peeved at having cards randonly declined, but being another customer, I would also
be very unhappy about the institution providing any information on how they make these decisions for the reasons
already detailed. You would be surprised just how little information these scroats need in order to start reeking
havoc!
I am having problems at the moment accepting credit cards using Paypal. Some credit cards get refused and there is
no reason for them to be - they are corporate cards used by senior public servants so are as good as they can be!
Paypal are a pain for customer service. However I don't want to know how the process works that stops these cards
being used, just that the cards do get accepted! However, it looks like I'll have to switch providers. Maybe it's
time for you to do the same!
Simon Howarth.
Quoting Jethro R Binks <[log in to unmask]>:
> On Wed, 16 Jul 2008, Nigel Roberts wrote:
>
> > I have asked for an explanataion of the automated decision taking used.
> They
> > have refused.
> ...
> > But I'm interested in whether list-members feel that their refusal
> > to give me any information about the automated decision taking they use is
> > lawful under the Data Protection Act.
>
> Have you asked them the grounds upon which they are refusing? Depending
> on who you are dealing with, it might be enough to shake them.
>
> The chances are though, they will cite overall security reasons for not
> disclosing -- if they explain their automation to you (and effectively
> therefore anyone else), then they may reveal the means by which
> ne'er-do-wells may circumvent it.
>
> It is notionally the same sort of argument that anti-spam companies use to
> protect the intellectual property in their spam detection systems. And it
> is clear to see how successful that's actually been.
>
> Jethro.
>
> . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
> Jethro R Binks
> Computing Officer, IT Services
> University Of Strathclyde, Glasgow, UK
>
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