Datos personales – Lucha contra el fraude

La información relativa a su transacción es objeto de un tratamiento automatizado de datos por parte de Oneytrust, responsable del tratamiento, con el fin de reforzar el nivel de seguridad de las transacciones registradas por el socio y proteger a éste y a sus clientes contra posibles robos de identidad o intentos de fraude.

Transactions carried out online or in a physical shop using a payment method that presents a risk of fraud similar to an online transaction require a sufficient level of trust to exist between the contracting parties. Oneytrust helps to assess this level of trust by providing a decision-making tool. The aim of this service is to ensure that the identity used in the transaction is genuine by minimising checks in order to simplify and speed up consideration of your request. In the event of proven fraud, this service may result in your inclusion in a file of persons at risk (watch list).

Your data is used by Oneytrust exclusively for the purposes of the aforementioned service, for which all detailed information is provided in this document. In the event of suspected fraud following the first stage of verification, this data may be subject to additional checks by Oneytrust, where appropriate with the support of its service providers, so as to avoid, as far as possible, the implementation of additional checks such as the verification of your proof of identity and address. The reliability of the data that you have transmitted for the purposes of the operation may in this context be checked by cross-referencing your data with that of Oneytrust or its service providers.

Objeto del tratamiento de datos

Finalidades

La finalidad del tratamiento implementado por Oneytrust es luchar contra el fraude de identidad y de pago/devolución en las transacciones realizadas a distancia por Internet o en una tienda física utilizando un medio de pago que presente un riesgo de fraude similar al de una transacción en línea.
Permite a Oneytrust :

• analyse the data from the operation;
• deliver a progressive assessment at different stages of the customer’s journey on the partner’s site(s), in order to guide the end customer’s subsequent journey accordingly;
• provide an initial level of confidence, in particular by comparing the information on the transaction analysed with the information contained in the transactions carried out with Oneytrust’s various partners, thus detecting any inconsistencies based on pre-established rules, and assigning an evaluation (score) to each transaction carried out on the partner platforms; once the transaction has been validated by the customer and sent for analysis, provide the partner with a confidence index for the transaction in the form of a score between zero (0) and one hundred (100) depending on the level of risk assessed;
• to determine, if the person concerned has consented, the machine identifier of the terminal (computer, smartphone, tablet, etc.) used by the said person to browse the partner’s site(s), in particular to check that the same terminal has not been used to carry out several transactions on the basis of different identities;
• retrieve additional information from Oneytrust’s service providers to enrich and qualify certain transaction data (e-mail address, telephone, postal address, IP address, BIN 6);
• según reglas preestablecidas, reducir las revisiones manuales validando automáticamente las operaciones que no hayan podido ser validadas por un dispositivo de análisis automático (puntuación automática);
• detect attempted fraud when transactions are carried out via the Internet or in a physical shop using a payment method that presents a similar risk of fraud to an online transaction, and register customers who have committed proven fraud on a file of people at risk (watch list);
• to carry out research or experimental phases in order to improve and enhance its solutions so that they are ever more relevant and appropriate, in order to protect consumers by continually improving the system for combating fraud; to this end, the data may be reused to train AI models.

Oneytrust podrá anotar sus datos (asignarles una o varias características) con el fin de identificar las categorías de datos del conjunto de datos.

Any irregular declaration or anomaly may result in the registration of the data relating to the transaction associated with this irregular declaration or anomaly on a watch list set up by Oneytrust.

Base legal

Artículo 6(1) f) del Reglamento general de protección de datos.
The processing is necessary for the purposes of the legitimate interests pursued by Oneytrust; namely, the fight against identity and payment fraud during remote transactions carried out via the Internet or in a physical shop with a payment method presenting a risk of fraud similar to an online transaction.

The collection of information from the terminal used to determine the machine identifier is a function of the Oneytrust service which requires the consent of the person concerned (article 82 of the amended law of 6 January 1978).

Datos tratados

Categorías de datos tratados

• Identification data: title, surname, first name, date of birth, e-mail address, postal address, telephone number, fax number, customer ID, NIF depending on the country of the transaction, proof of identity or K-bis extract, proof of address.
• Economic and financial information: Bank card number (PAN) hashed, expiry date, first 6 and/or last 4 digits of bank card, IBAN, RIB, proof of income.
• Connection data: IP address, fingerprint calculated from the technical data of the terminal used (operating system, language, resolution, browser type and version, etc.).
• Transaction data: Delivery method, payment method, name of carrier, address of collection point or other delivery location, transaction reference amount and currency, date and time of transaction, number of products purchased, list of products, quantity per product, unit price of product, number of purchases, cumulative amount of purchases, date and time of first and last order.
• Other categories of data: Confidence index, technical sub-elements for validating identification data, IP address and BIN6 by correlation (validity, associated identity, supplier, operator, etc.).

Fuente de datos

La información se recoge del interesado a través del socio, pero también de los proveedores de servicios de Oneytrust para los datos adicionales y de las bases de datos de acceso público.

Carácter obligatorio de la recopilación de datos

La no transmisión de los datos relativos a su operación impide a Oneytrust analizarla. La ejecución de su operación queda exclusivamente a discreción del socio de Oneytrust.

You may refuse to give your consent to the collection of data used to calculate your terminal’s machine identifier and continue browsing. Terminal data is not collected in the absence of your consent, and this has no impact on browsing and the completion of the planned transaction.

Toma de decisión automatizada

The solution offered by Oneytrust to its partners is a decision-making tool that determines a level of confidence linked to the transactions recorded by the partner. The system has been developed to allow manual analyses to be carried out if necessary when the confidence index is drawn up, based on the automated data processing implemented by Oneytrust. Whatever the recommendation issued by Oneytrust, the partner is the sole decision-maker as to the follow-up to be given to the operation. Oneytrust does not intervene in the partner’s final decision.

The processing implemented by Oneytrust does not provide for refusal decisions based exclusively on automated analysis. In the event of a refusal decision being taken by the partner, based solely on Oneytrust’s recommendations, the data subject has the right to ask Oneytrust for human intervention, to make observations and to request a re-examination of his or her situation with regard to the processing carried out by Oneytrust.

Personas interesadas

El tratamiento de datos se aplica a:

• personas físicas y jurídicas que realizan transacciones en puntos de venta físicos y remotos, con socios de Oneytrust;
• el personal autorizado de Oneytrust a cargo de la ejecución del tratamiento.

Destinatarios de los datos

Categorías de destinatarios

En función de sus respectivas necesidades, son destinatarios de todo o parte de los datos:

• personal autorizado de Oneytrust ;
• El socio de Oneytrust con el que el cliente haya realizado la operación; este último recibe en particular los resultados del tratamiento efectuado por Oneytrust, de conformidad con el presente documento.
• Los subcontratistas y proveedores de servicios de Oneytrust; en particular, aquellos a los que Oneytrust envía la totalidad o parte de los datos para su verificación, alojamiento y suministro de datos adicionales. Se entiende que estos proveedores de servicios están obligados contractualmente a proteger los datos personales que se les transmitan en este contexto.

Transferencias de datos fuera de la UE

Your data is stored within the European Union.

Oneytrust may use service providers located outside the European Union who may remotely access the data for specific services. These transfers may only be carried out after Oneytrust has taken the appropriate security measures, for example by ensuring the conclusion of standard clauses defined by the European Commission in order to control data flows.

In order to determine the machine identifier of the terminal used to browse the partner’s site(s), Oneytrust uses a service provider located in the USA who can remotely access the data collected associated with your terminal. The transfer of data is governed by the European Commission’s Standard Contractual Clauses and by additional measures to ensure effective data protection during the transfer.

On request, we can provide you with the names of recipients established outside the European Union and a copy of the specific conditions agreed in order to guarantee an appropriate level of data protection. If you wish to make such a request, please write to the Oneytrust DPO, whose contact details are given below.

Tiempo de conservación de los datos

The data is kept for a period of :

• 37 months;
• 15 months for supporting documents and the footprint calculated from the terminal’s technical data;
• 6 months for consumption data.

Data relating to transactions for which fraud has been detected is entered on a watch list for a period of 2 years or until the payment incident is rectified if this occurs before the 2-year period expires.

The technical sub-elements used to validate the identification data, IP address and BIN6 (validity, associated identity, supplier, operator, etc.) will be kept for a period of 15 days.

Derechos del interesado acerca de sus datos

De conformidad con la Normativa aplicable, usted podrá ejercitar los derechos que se exponen a continuación:

• Derecho de acceso para obtener copia de todos los datos tratados por Oneytrust así como información relativa a las características del tratamiento realizado sobre sus datos.
• Derecho de rectificación para actualizar sus datos erróneos y/o incompletos.
• Derecho de supresión si los datos (i) ya no son necesarios para los fines para los que fueron recogidos, (ii) son objeto de un tratamiento ilícito o (iii) si usted ejerce su derecho de oposición al tratamiento en cuestión. No obstante, este derecho no se aplicará cuando la conservación de sus datos sea necesaria para que Oneytrust cumpla una obligación legal o para el ejercicio de reclamaciones legales.
• Right to restrict processing where (i) you dispute the accuracy of the data, (ii) you exercise your right to object. Oneytrust will restrict the processing of your data for such time as is necessary for Oneytrust to carry out appropriate checks.
• Derecho a oponerse a que sus datos sean utilizados por Oneytrust para sus intereses legítimos. Oneytrust pondrá fin a dicho tratamiento, a menos que pueda justificar que sus intereses legítimos y preponderantes prevalecen sobre sus derechos y libertades.
• Derecho a definir directrices generales y específicas que establezcan cómo desea que se ejerzan los derechos anteriores tras su fallecimiento.

Ejercer sus derechos

El delegado de protección de datos (DPO) de Oneytrust será su interlocutor para cualquier solicitud de ejercicio de sus derechos acerca de este tratamiento.

• Contactar con el DPO por vía electrónica escribiendo a dpo[at]oneytrust.com* *(sustituir [at] por @ para enviar)
• Contactar con el DPO por correo postal

Le délégué à la protection des données
Oneytrust
34 avenue de Flandre
59170 Croix
FRANCE

Reclamación

Puede presentar cualquier reclamación relativa a la atención dada a una solicitud por Oneytrust escribiendo al DPO. Este realizará sus mejores esfuerzos para atender cualquier reclamación y tratar de resolver el conflicto.
Si considera que tras haber contactado con nosotros, siguen afectados sus derechos acerca de sus datos, puede enviar una reclamación (denuncia) a la autoridad local de protección de datos personales que le corresponde o a la autoridad de protección de datos personales de Oneytrust, es decir, la CNIL – 3 place de Fontenoy – TSA 80715 – 75334 París Cedex 07 FRANCE.