Cant banks tell the difference between internet and "instore" purchases? - HotUKDeals
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Cant banks tell the difference between internet and "instore" purchases?

barky Avatar
7y, 2m agoPosted 7 years, 2 months ago
I find it weird in these days of huge internet businesses that the banks cant tell when a transaction is made by internet.

Im not having a go at lloyds tsb,I am happy that they are looking out for me but yesterday got a call from their anti fraud people(and yes,it was really them,cos I called them back) because on friday I paid for a new year holiday to disney paris and also bought some stuff from the bruce springsteen website.

They said that the fraud call had been triggered because "obviously I couldnt be in america and france at the same time"

Fair enough,I spose but dont you reckon they should be able to tell by now? disneyland paris website is hardly dodgy.

Like I said,not having a go,obviously I prefer they are protecting me but just seems weird that their system cant tell the difference between "being in france" and a web purchase.
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barky Avatar
7y, 2m agoPosted 7 years, 2 months ago
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#1
did u call them back on a number you had got yourself or the one that they gave you when they phoned you??
#2
banks are just more pro active in their checking these days and some transactions are more likely to be used in fraud from previous studies

carphone warehouse or mobile fones are another which are checked regulary
#3
rosalie
did u call them back on a number you had got yourself or the one that they gave you when they phoned you??


the number on the back of my card
#4
The vendor (disneyland) just process the payment and have no means to inform the banks of how the payment was received. ie in person,phone, internet etc
#5
Disneyland Paris again????

I'm gettin jealous :) xx
#6
gym lougar
The vendor (disneyland) just process the payment and have no means to inform the banks of how the payment was received. ie in person,phone, internet etc


Are you sure? I thought "cardholder not present" and PIN checked transactions were fairly separate?
#7
ClarityofMind
Disneyland Paris again????

I'm gettin jealous :) xx


yep-gonna be there new years eve too,and its all a huge secret-mrs barky knows nothing!lol!
#8
pghstochaj
Are you sure? I thought "cardholder not present" and PIN checked transactions were fairly separate?


That's right, but whoever disneyland use to collect payments (streamline,PDQ,cardnet etc) will auth the payment and pass the debit onto the bank for settlement. Therefore the bank is unaware of the origintion of the transaction ie internet,phone etc
#9
barky
yep-gonna be there new years eve too,and its all a huge secret-mrs barky knows nothing!lol!


oh wow!! Thats lovely!!

You do remember to Quidco that booking dont you!!

Hope you have a fantastic time xxxx

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