Lloyds online purchase problem

Bogof_Babe

I was buying some rail tickets on 25th Dec, which my husband said he would pay for. I have his debit card saved on the tickets website, and selected it. However whereas the system used to take me to a security page where I'd enter three characters from his password, this time it said it had a new system that replaces the previous password check, and was automatically getting authorisation from Lloyds TSB. However it failed and my purchase was rejected (no reason given), so I had to use another card, my own, which is NatWest and took me to the usual password confirmation page, where my three characters were accepted and the purchase went through.

Therefore it seems the fault must be with Lloyds new system. Husband had more than enough funds in his current account to cover the purchase, so it wouldn't have been that.

Has anyone else experienced this? The website was https://www.eastcoast.co.uk but I feel it is more likely the problem lies with Lloyds, as my own debit card was fine.

MME_2

Clicksafe doesn't always require the 3 characters to be entered. I would be ringing LTSB to find out why it was declined. Be quick though because I think they can only check the last 48 hours transactions.

Bogof_Babe

MME wrote: »

Clicksafe doesn't always require the 3 characters to be entered. I would be ringing LTSB to find out why it was declined. Be quick though because I think they can only check the last 48 hours transactions.

Oh right, thanks. I'll not trouble them by phoning as it's not a problem now (but will if it happens again). I suppose their system might have been down as it was Christmas Day.

davethorp

My guess is that the mismatch caused by trying to use someone else's card with your ticket account is what caused the security to decline the transaction

jonesMUFCforever

Me too if the tickets were for Mrs moneysaver and ticket used to pay was from Mr moneysaver this might well have been the reason.
If the booking was made by Mr moneysaver and paid for by Mr moneysaver then he should phone the bank for an explanation.

Bogof_Babe

davethorp wrote: »

My guess is that the mismatch caused by trying to use someone else's card with your ticket account is what caused the security to decline the transaction

Done it loads of times before, but maybe they have tightened the rules or something.

davethorp

Bogof_Babe wrote: »

Done it loads of times before, but maybe they have tightened the rules or something.

Previously the transaction would have been authorised using his card password. Now they don't bother with the password but each transaction is risk assessed automatically. I'm not privy to the exact risk assessment criteria but I'd be willing to lay money that the following things are checked each time

Cardholder and customer name matches
Cardholder and customer address matches
Cardholder and customer date of birth matches

ChiefGrasscutter

Checking whether the IP address of the computer doing the purchasing matches the IP addresses used in the past by the customer uses for their on- line banking would be another check that springs to mind.
Not as a definitive yes/no check obviously - but merely one of a number

Bogof_Babe

ChiefGrasscutter wrote: »

Checking whether the IP address of the computer doing the purchasing matches the IP addresses used in the past by the customer uses for their on- line banking would be another check that springs to mind.
Not as a definitive yes/no check obviously - but merely one of a number

Well that wouldn't be a problem because I'm the only one who uses online banking (for both of us) as he doesn't do computers. I know it's probably breaking all the rules, but it is with his full consent.

Mikeyorks

A number of similar threads in recent weeks under the 'Verified by Visa' heading.

Certainly all the systems that piggy back on top of that (Halifax Secure etc) have all changed and several people have reported failures. I haven't been asked for the supplementary password in the last dozen transactions (it simply shows 'processing') - but all have completed OK.

Bogof_Babe

Mikeyorks wrote: »

A number of similar threads in recent weeks under the 'Verified by Visa' heading.

Certainly all the systems that piggy back on top of that (Halifax Secure etc) have all changed and several people have reported failures. I haven't been asked for the supplementary password in the last dozen transactions (it simply shows 'processing') - but all have completed OK.

That's interesting Mike. Have you done any transactions with vendors you have dealt with before, using the old 'password characters' system?

Will go and look for the other threads - sorry, didn't find any when searching on "Lloyds".