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Visa Secure. Is it really?
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OP obviously considers that they supplied new details with an expectation (not unreasonable) that the old ones would be overridden, which is why I was indirectly suggesting that the ICO might be interested in any deliberate retention of data known to be out of date. I can understand why any credit organisation might see potential value in old data that could conceivably be used to establish contact (in order to protect themselves if someone updates their contact details to be 01234 567890 and [email protected] for one thing), but that doesn't make it legal to retain that....
But thinking about OP's case. It did make me wonder if that as you have mentioned old data is stored, or that the new visa/mastercard systems are not interacting with the banks system as simply showing old data.
Often any update on a system, will break a link to another given the complex nature of the systems & the number of different parts all trying to interact with each other (& that is just internal) then bring in outside systems & all hell can break lose...
it may well be that the front end updates done by Bank personnel are then not updating the database that is being called by the Visa Secure Integration, but that again would be a Bank internal issue not Visa Secure.
There are instances of business that use copies of databases dedicated to specific integrations, and these database could be forgotten when a new Data Management system comes into play (i have overseen a project once that incurred in such a scenario, pre GDPR) but the GDPR legislation should have triggered processes and reviews within all UK/EU organisations to ensure this would not be happening .
bottom line that the fault of the wrong number/email being shown on a Visa Secure pop up is to do either with the Bank or the Customer.
a Personal Data access request to said institution, followed up but evidence of their data mismanagement may well point out the underlining problem within the bank and thus trigger the fixing for al customers .. I would still be surprised however if the OP had the same issue with multiples banks
TBH. Data request will most likely just show the current data & not what you are hoping for.
Just look what happened when TSB brought their new system online.. & how much it cost them in pay outs.
We had IBM come in & look at what we do. They could not believe how many times we have to duplicate stuff in our dept just to do a simple dispute. They said should be easy to fix. 6 years later still waiting. As it's not just a little bit to fix. It needs a whole new internal banking system. But that then has to fit in with all the external banking systems. Payments & other systems.
I was told when I joined that the main system we use (DOS based) Now that confuses the hell out of the young ones 🤣 on how to work it. Still going strong after more years than I care to remember. Despite annual updates it will be gone this year.
it is important to point out the differences between a system / application and the data storage used by the system. The system itself can be archaic, badly functional, even creating data error, but ultimately the data will be held in Tables behind the system.
when a third party need to access some of the Bank data, like a payment processor in this case, a mapping of the data required is done to the exact field In the system table (or usually a separate database copy). So as an example a call for a specific card number should return an active telephone number from a dedicated Database that the bank has made available for said mapping.
I did not want to go to technical but I felt it was due to put away some of the incorrect suggestions that keeps coming up in this thread