Whilst not really a dp thing, many business's don't update their card
records frequently enough so along come a new card and it gets bounced
left right and centre. One of my new cards has been doing this. The card
issuers say it's the merchants fault and vice versa.
Also the card can be set with certain things like not to be used for
online purchase unless you ask for it or not to be used on certain sites
e.g. pay pal, as the card issuer told me they had a similar system so
why would I want to use paypal.
Richard Talbot
Data Protection Adviser
01305 212464
-----Original Message-----
From: This list is for those interested in Data Protection issues
[mailto:[log in to unmask]] On Behalf Of simon howarth
Sent: 17 July 2008 10:52
To: [log in to unmask]
Subject: Re: [data-protection] Automated processing .. declining credit
cards
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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--
Simon Howarth
The Information Edge
37 The Grange
Cottam
Preston
PR4 0LR
Office: 0870 991 3696
Mobile: 07836 365588
Webtech Systems trading as The Information Edge, registered in England
No.
3428632. More information available at www.informationedge.co.uk
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