Data Breach part two?

I_luv_cats

Credit Card replaced Feb 2016 after major data breach


NOW a series of attempted transactions and successful transactions £00.00 / £1.00 / £10.00 / £10.00 today in quick succession

Alerted by text message but rang card provider (from number on online acct) rather than reply to text as didn't know if genuine


Can't understand what is going on:mad:


Not one to go mad online / offline so only limited chances to capture my card number

CKhalvashi

Only thought is that it could be a rogue retailer, who has had the new details provided to them through a system Visa operate.

Mastercard/AmEx possibly operate a similar system.

I_luv_cats

CKhalvashi wrote: »

Only thought is that it could be a rogue retailer, who has had the new details provided to them through a system Visa operate.

Mastercard/AmEx possibly operate a similar system.

Can you force every transaction for a security word as only get 1 in 10 asking for certain letters. (Mastercard verify)


Had no prob when used pre-pay cards but two probs in close succession is a pain in the rear!!!

AndyTh_2

Can you force every transaction for a security word as only get 1 in 10 asking for certain letters. (Mastercard verify)

Retailers don't have to require 3D Secure (the name used to group the technology behind the Visa/Mastercard/Amex online verification). For instance mail and telephone orders don't require you to provide the extra details that come up in the usual online iframe (if a merchant asks you for that in these instances, their doing something very wrong).

3D Secure is only for ecommerce transactions, and even then (I think) it's not required, in those circumstances, the merchant gets charged more for cc processing due to taking on fraud risks.

3D Secure isn't to protect your account, but to protect the merchant by reducing their liability in the case of fraud, by allowing them increase their fraud checks, and to pin the blame for fraud on the consumer instead, and therefore deny credit card chargebacks.

So that said, there's nothing stopping someone with your CC number / expiry date (sometimes CV2/name on card/billing address has not been needed either) from purchasing via merchants with poor fraud checks in quick succession.

I_luv_cats

AndyTh wrote: »

So that said, there's nothing stopping someone with your CC number / expiry date (sometimes CV2/name on card/billing address has not been needed either) from purchasing via merchants with poor fraud checks in quick succession.

Seems one of the methods of choice is topping up mobile phones !! ((had some of them today (different companies) in the mix!))


Worrying how easy it is for the scroats