Online payment Goods were ordered in the name of the victim of the burglary at the reception desk using only the personal identification number, prepaid subscription and e-mail address – according to Klarna, this should not be possible

Klarna says that it has updated the frequency of credit check checks since the Response case and activated strong authentication three times more often than before.

22.2. 17:29

One psychotherapy center The use of people’s personal data for unauthorized purchases in online stores has been a concern caused by the data breach that occurred in the autumn of 2020.

The matter was most recently raised in an article published by HS on Tuesday in which a victim of a hacking Sanna Kärsämäoja said someone had bought, among other things, furniture and other items using his personal information.

Read more: Sanna Kärsämäoja was the victim of a burglary in Vastamo and thought the nightmare was already behind her – Suddenly a lot of furniture ordered with her ID appeared in the backyard.

The matter became clear to Kärsämäoja when he was given a lot of furniture that he had not ordered during Christmas. Through Posti, Kärsämäoja found out that his personal identity number, prepaid subscription and e-mail address made in his name had been used to order many different goods from online stores on credit in the previous months.

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According to police, at least about a hundred people has so far been a victim of identity theft With the hacker’s data break, but there may actually be more cases.

In the story, Kärsämäoja wonders why various lenders, such as Klarna, allow such credit agreements to be made.

Klarnan Country Director of Finland Jacob Segercrantz says in a statement sent to HS by e-mail that it should not be possible to order goods using a mere personal identity number, prepaid subscription and e-mail address.

“We take such cases very seriously. We require strong identification whenever Klarna’s security system indicates any signs of possible fraud and whenever a payment transaction is executed. So money never leaves the consumer without strong identification. ”

According to Segercrantz, buying on an invoice is one of the safest ways to part online. According to him, cases of fraud are very rare in Finland.

“The safety of Klarna’s buyer guarantees that in cases of fraud, the victim will never have to bear the financial responsibility that comes with it. Because Klarna bears all financial responsibility in cases of fraud, it is also our goal – also from a business perspective – to prevent and reduce fraud, ”he says.

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Segercrantz said in October 2020 Following the discovery of a break-in by the correspondent, if the consumer makes a purchase with a mere personal identity number and e-mail address, the system will try to understand whether there is fraud. He also said Klarna has increased control over purchases due to the hacking.

What does this mean in practice?

Segercrantz now says the company needs to balance transparency with fraud prevention because it does not want to disclose critical information about its fraud prevention and detection processes.

However, he says that after Vastamo’s data breach in 2020, for example, Klarna updated the frequency of credit bans, and now information about the credit ban is passed on to the company immediately.

“Several new upgrades were also made to the systems to speed up the detection of potential fraud. In addition, strong authentication is now activated three times more often, ”says Segercrantz.

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