debit card details question

[makqua2001]

How long do train companies keep debit card details for? Do they share debit card details with other train companies? I've been accused of buying the wrong ticket to the wrong station for a while, even though this is an honest mistake.

Any answers would be welcomed and greatly appreciated?

 

[island]

Card details are not shared between train companies and where retained, this is generally not beyond 120 days (the limit of time the scheme rules give to reverse the transaction).

I think if you provide full details of the issue at hand we may be able to give better advice, not least because records of card transactions are likely only to show the amount spent, rather than the specific purchase.

 

[Haywain]

Card details are not shared between train companies and where retained, this is generally not beyond 120 days (the limit of time the scheme rules give to reverse the transaction).

I think if you provide full details of the issue at hand we may be able to give better advice, not least because records of card transactions are likely only to show the amount spent, rather than the specific purchase.

With major changes in the last couple of years in credit card compliance rules, all card details are likely to be encrypted so that even the train company your transaction was with would not have access to the full card number. They are unlikely to be able to recall anything more than the first 6 and last 4 digits of the card number. And even then, would probably be prevented from sharing that information with another TOC.

 

[bb21]

How long do train companies keep debit card details for? Do they share debit card details with other train companies? I've been accused of buying the wrong ticket to the wrong station for a while, even though this is an honest mistake.

Any answers would be welcomed and greatly appreciated?

Without more details, it is impossible to comment on your case at all.

No, they would not be allowed to share your card details, even if they could.

 

[dcsprior]

With major changes in the last couple of years in credit card compliance rules, all card details are likely to be encrypted so that even the train company your transaction was with would not have access to the full card number.

Though companies are allowed to have a unique number (often referred to as a "token") which uniquely identifies one card, but cannot be translated to the card number. This gives the ability to have a "show other transactions with this card" function in any transaction-lookup system they have. Obviously this is unlikely to be possible across different TOCs.

They are unlikely to be able to recall anything more than the first 6 and last 4 digits of the card number.

And the expiry date (and if present, the issue number and/or expiry date).

 

[185]

How long do train companies keep debit card details for? Do they share debit card details with other train companies? I've been accused of buying the wrong ticket to the wrong station for a while, even though this is an honest mistake.

Train operating companies could put themselves in a precarious position if they were to try claim that the tickets purchased over time using that card were specifically for the person accused of wrongdoing. Perhaps they could have been for someone else?!

Would be a different story if the card was stolen and being misused, however using card sales data is far to flimsy too produce in court as proof of regular offending.

 

[DaveNewcastle]

If I'm understanding your question correctly, you are looking for clarity over a specific procedure which you suspect is being used to substantiate either a) a claim against you; or b) a prosecution for a criminal offence by a railway company, c) a prosecution for a criminal offence by the state, or d) a prosecution for a civil offence by a railway company (or perhaps another entity).

I apologise to you now, that due to the vagueness of the difficulty you are in, that I'm not going to answer your question for you, but just want to offer you a caution, that if any one of my 4 guesses are correct, then I am sure that there will be further evidence to support that claim or prosecution. Without knowing these, there is little anyone here (or elsewhere) can do to help - other than the caution I have given, that it would probably be more constructive to consider that other evidence.

Long-term persistent ticket irregularities can be viewed as Fraud; and as the response to Fraud differs across our 4 nations, then again there is little that can be usefully said without the facts.

 

[CyrusWuff]

Another possibility is that the OP has been issued a number of Penalty Fares in the past, which may well be flagged up if an RPI calls through to IRCAS/RPSS to verify the passenger's details, at which point they may report for possible prosecution instead.

 

[Haywain]

Another possibility is that the OP has been issued a number of Penalty Fares in the past, which may well be flagged up if an RPI calls through to IRCAS/RPSS to verify the passenger's details, at which point they may report for possible prosecution instead.

If that were the case, I can't see why card details would be relevant. If the PF were paid with a different card every time, it would still flag up a series of PFs to the same person.

 

[455driver]

Or maybe the RPI used the card to check the name (spelling?) and the OP assumed it was the card details being taken and checked.

 

[island]

I would have to say the speculation is probably unhelpful and hope the OP comes back to enlighten us further.

 

[455driver]

Well as this thread is pretty much like that 156 that had the toilet seat stolen IE nothing to go on it is hardly surprising that people are speculating.