{"id":2800,"date":"2018-09-13T23:47:03","date_gmt":"2018-09-13T22:47:03","guid":{"rendered":"http:\/\/mouillere.com\/universconvergents\/?p=2800"},"modified":"2020-04-01T22:21:54","modified_gmt":"2020-04-01T21:21:54","slug":"cartes-sim-et-services-payants-preinstalles","status":"publish","type":"post","link":"https:\/\/mouillere.com\/universconvergents\/2018\/09\/13\/cartes-sim-et-services-payants-preinstalles\/","title":{"rendered":"Cartes SIM et services payants pr\u00e9install\u00e9s"},"content":{"rendered":"<div class=\"spacer-10 clear\">La mise sur le march\u00e9 de cartes SIM contenant des services payants pr\u00e9install\u00e9s et pr\u00e9alablement activ\u00e9s constitue une pratique commerciale agressive d\u00e9loyale lorsque les consommateurs n\u2019en sont pas inform\u00e9s pr\u00e9alablement.<\/div>\n<div><\/div>\n<p><!--more--><\/p>\n<div><\/div>\n<blockquote>\n<div>&#8220;<em>Il n\u2019appara\u00eet pas de mani\u00e8re \u00e9vidente qu\u2019un acheteur moyen de carte SIM puisse \u00eatre conscient du fait que, lorsqu\u2019il ach\u00e8te une telle carte, celle-ci contient d\u2019office des services de messagerie vocale et de navigation sur internet pr\u00e9install\u00e9s et pr\u00e9alablement activ\u00e9s qui sont susceptibles de g\u00e9n\u00e9rer des frais additionnels, ou du fait que, lorsqu\u2019il l\u2019ins\u00e8re dans son t\u00e9l\u00e9phone mobile, ou dans tout autre appareil, permettant la navigation sur Internet, des applications ou l\u2019appareil lui-m\u00eame sont susceptibles de se connecter \u00e0 son insu \u00e0 Internet ni qu\u2019il ait une ma\u00eetrise technique suffisante pour effectuer seul les r\u00e9glages n\u00e9cessaires pour d\u00e9sactiver ces services ou ces connections automatiques sur son appareil.&#8221;<\/em><\/div>\n<\/blockquote>\n<div class=\"spacer-10 clear\"><\/div>\n<div>En 2012, l\u2019Autorit\u00e0 Garante della Concorrenza e del Mercato (autorit\u00e9 italienne garante de la concurrence et du march\u00e9, AGCM) a inflig\u00e9 des amendes aux soci\u00e9t\u00e9s Wind Telecomunicazioni (actuellement Wind Tre) et Vodafone Omnitel (actuellement Vodafone Italia) pour avoir commercialis\u00e9 des cartes SIM (Subscriber Identity Module) sur lesquelles \u00e9taient pr\u00e9install\u00e9s et pr\u00e9alablement activ\u00e9s des services de navigation sur Internet et de messagerie vocale, dont les frais \u00e9taient factur\u00e9s \u00e0 l\u2019utilisateur dans le cas o\u00f9 ce dernier ne demandait pas express\u00e9ment leur d\u00e9sactivation. L\u2019AGCM reprochait aux deux soci\u00e9t\u00e9s de ne pas avoir pr\u00e9alablement inform\u00e9 de mani\u00e8re ad\u00e9quate les consommateurs du fait que ces services \u00e9taient pr\u00e9install\u00e9s et pr\u00e9alablement activ\u00e9s et qu\u2019ils \u00e9taient payants. Le service de navigation sur Internet pouvait m\u00eame conduire \u00e0 des connexions effectu\u00e9es \u00e0 l\u2019insu de l\u2019utilisateur, notamment par des applications dites \u00ab always on \u00bb (toujours activ\u00e9es).<\/div>\n<p>Il a ainsi \u00e9t\u00e9 d\u00e9cid\u00e9 de poser des questions pr\u00e9judicielles notament sur l\u2019interpr\u00e9tation de la directive sur les pratiques commerciales d\u00e9loyales (laquelle a pour objectif d\u2019assurer un niveau \u00e9lev\u00e9 de protection de l\u2019ensemble des consommateurs) pour savoir si le comportement en cause des op\u00e9rateurs de t\u00e9l\u00e9phonie peut \u00eatre qualifi\u00e9 de \u00ab fourniture non demand\u00e9e \u00bb ou, plus largement, de\u00a0 \u00ab pratique\u00a0 commerciale\u00a0 agressive \u00bb au sens de la directive sur les pratiques commerciales d\u00e9loyales.<\/p>\n<p>Par son arr\u00eat, la Cour observe que la demande d\u2019un service doit consister en un choix libre de la part du consommateur. Or, lorsque le consommateur n\u2019a \u00e9t\u00e9 inform\u00e9 ni des co\u00fbts des services ni m\u00eame de leur pr\u00e9installation et de leur activation pr\u00e9alable sur la carte SIM qu\u2019il a achet\u00e9e (ce qu\u2019il appartient \u00e0 la juridiction nationale de v\u00e9rifier), il ne saurait \u00eatre consid\u00e9r\u00e9 que celui-ci a librement choisi la fourniture de tels services. \u00c0 cet \u00e9gard, il est indiff\u00e9rent que l\u2019utilisation des services ait pu, dans certains cas, n\u00e9cessiter une action consciente de la part du consommateur. De m\u00eame, il est indiff\u00e9rent que le consommateur ait eu la possibilit\u00e9 de faire d\u00e9sactiver ou de d\u00e9sactiver lui-m\u00eame ces services, d\u00e8s lors qu\u2019il n\u2019avait pas \u00e9t\u00e9 pr\u00e9alablement inform\u00e9 de leur existence. La Cour en conclut que, sous r\u00e9serve de v\u00e9rification par la juridiction nationale, des comportements tels que ceux reproch\u00e9s aux op\u00e9rateurs de t\u00e9l\u00e9phonie en cause constituent une \u00ab fourniture non demand\u00e9e \u00bb et donc, selon la directive sur les pratiques commerciales d\u00e9loyales, une pratique d\u00e9loyale \u2013 et plus pr\u00e9cis\u00e9ment une pratique agressive \u2013 en toutes circonstances.<\/p>\n<p><a href=\"https:\/\/curia.europa.eu\/jcms\/upload\/docs\/application\/pdf\/2018-09\/cp180130fr.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/curia.europa.eu\/jcms\/upload\/docs\/application\/pdf\/2018-09\/cp180130fr.pdf<\/a><\/p>\n<p><a href=\"http:\/\/curia.europa.eu\/juris\/documents.jsf?num=C-54\/17\" target=\"_blank\" rel=\"noopener noreferrer\">http:\/\/curia.europa.eu\/juris\/documents.jsf?num=C-54\/17<\/a><\/p>\n<iframe src=\"\/\/docs.google.com\/viewer?url=https%3A%2F%2Fmouillere.com%2Funiversconvergents%2Fwp-content%2Fuploads%2F2018%2F09%2F2018-09-13-CJCE-SIM-R%C3%A9sum%C3%A9.pdf&hl=fr&embedded=true\" class=\"gde-frame\" style=\"width:100%; height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"https:\/\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/09\/2018-09-13-CJCE-SIM-R\u00e9sum\u00e9.pdf\" class=\"gde-link\">T\u00e9l\u00e9charger (PDF, 299KB)<\/a><\/p>\n<iframe src=\"\/\/docs.google.com\/viewer?url=https%3A%2F%2Fmouillere.com%2Funiversconvergents%2Fwp-content%2Fuploads%2F2018%2F09%2F2018-09-13-CJCE-SIM-Arret.pdf&hl=fr&embedded=true\" class=\"gde-frame\" style=\"width:100%; height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"https:\/\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/09\/2018-09-13-CJCE-SIM-Arret.pdf\" class=\"gde-link\">T\u00e9l\u00e9charger (PDF, 348KB)<\/a><\/p>\n<iframe src=\"\/\/docs.google.com\/viewer?url=https%3A%2F%2Fmouillere.com%2Funiversconvergents%2Fwp-content%2Fuploads%2F2018%2F09%2F2018-09-13-CJCE-SIM-Conclusions.pdf&hl=fr&embedded=true\" class=\"gde-frame\" style=\"width:100%; height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"https:\/\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/09\/2018-09-13-CJCE-SIM-Conclusions.pdf\" class=\"gde-link\">T\u00e9l\u00e9charger (PDF, 476KB)<\/a><\/p>\n<iframe src=\"\/\/docs.google.com\/viewer?url=https%3A%2F%2Fmouillere.com%2Funiversconvergents%2Fwp-content%2Fuploads%2F2018%2F09%2F2018-09-13-CJCE-SIM-Demande.pdf&hl=fr&embedded=true\" class=\"gde-frame\" style=\"width:100%; height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"https:\/\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/09\/2018-09-13-CJCE-SIM-Demande.pdf\" class=\"gde-link\">T\u00e9l\u00e9charger (PDF, 81KB)<\/a><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La mise sur le march\u00e9 de cartes SIM contenant des services payants pr\u00e9install\u00e9s et pr\u00e9alablement activ\u00e9s constitue une pratique commerciale agressive d\u00e9loyale lorsque les consommateurs n\u2019en sont pas inform\u00e9s pr\u00e9alablement.<\/p>\n","protected":false},"author":1,"featured_media":1081,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[87],"tags":[],"class_list":["post-2800","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-payment"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2015\/10\/raw-78.jpg?fit=2240%2C1520&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p6jw1p-Ja","jetpack-related-posts":[{"id":5244,"url":"https:\/\/mouillere.com\/universconvergents\/2022\/09\/19\/google-condamne-pour-abus-de-position-dominante-au-suivant\/","url_meta":{"origin":2800,"position":0},"title":"Google condamn\u00e9 pour abus de position dominante : au suivant","author":"Fred","date":"19 septembre 2022","format":false,"excerpt":"L'abus n'est pas nouveau (ex. : Microsoft \/ Windows \/ Internet Explorer) et pourtant,\u00a0 la CJUE vient seulement de confirmer en 2022 la d\u00e9cision de la Commission de 2018 suite \u00e0 une proc\u00e9dure ouverte en 2015 compte tenu de nombreuses plaintes datant de 2011 contre Google qui a impos\u00e9 des\u2026","rel":"","context":"Dans &quot;IT&quot;","block_context":{"text":"IT","link":"https:\/\/mouillere.com\/universconvergents\/category\/it\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2022\/09\/google.png?fit=507%2C246&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":2850,"url":"https:\/\/mouillere.com\/universconvergents\/2018\/10\/15\/tokenisation-paiement-et-authentification\/","url_meta":{"origin":2800,"position":1},"title":"Tokenisation, Paiement et Authentification","author":"Fred","date":"15 octobre 2018","format":false,"excerpt":"En mati\u00e8re de paiement, la tokenisation est le remplacement d\u2019\u00e9l\u00e9ments sensibles comme le PAN (Primary Account Number ou num\u00e9ro figurant au recto de votre carte bancaire) par des \u00e9l\u00e9ments moins sensibles appel\u00e9s tokens (ou jetons) li\u00e9s \u00e0 des appareils (mobiles, tablettes, IoT). L\u2019enr\u00f4lement (ou la demande d\u2019\u00e9mission d\u2019un jeton associ\u00e9\u2026","rel":"","context":"Dans &quot;Banking &amp; Payment&quot;","block_context":{"text":"Banking &amp; Payment","link":"https:\/\/mouillere.com\/universconvergents\/category\/it\/banking-payment\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/10\/tokenization.png?fit=765%2C430&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/10\/tokenization.png?fit=765%2C430&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/10\/tokenization.png?fit=765%2C430&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/10\/tokenization.png?fit=765%2C430&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":2889,"url":"https:\/\/mouillere.com\/universconvergents\/2018\/11\/29\/google-et-les-7-plaintes\/","url_meta":{"origin":2800,"position":2},"title":"Google et les 7 plaintes","author":"Fred","date":"29 novembre 2018","format":false,"excerpt":"7 plaintes contre Google viennent d\u2019\u00eatre d\u00e9pos\u00e9es aux Pays-Bas, en Pologne, en R\u00e9publique tch\u00e8que, en Gr\u00e8ce, en Norv\u00e8ge, en Slov\u00e9nie et en Su\u00e8de sur le fondement du RGPD et sur la base des conclusions d'un rapport de 44 pages du Conseil norv\u00e9gien de la consommation. Le rapport affirme que Google\u2026","rel":"","context":"Dans &quot;Donn\u00e9es personnelles&quot;","block_context":{"text":"Donn\u00e9es personnelles","link":"https:\/\/mouillere.com\/universconvergents\/category\/it\/donnees-personnelles\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/11\/googlegeo.jpg?fit=1200%2C532&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/11\/googlegeo.jpg?fit=1200%2C532&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/11\/googlegeo.jpg?fit=1200%2C532&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/11\/googlegeo.jpg?fit=1200%2C532&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/11\/googlegeo.jpg?fit=1200%2C532&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":2878,"url":"https:\/\/mouillere.com\/universconvergents\/2018\/11\/07\/vers-la-fin-annoncee-des-sms-dauthentification-des-paiements\/","url_meta":{"origin":2800,"position":3},"title":"Vers la fin annonc\u00e9e des SMS d\u2019authentification des paiements","author":"Fred","date":"7 novembre 2018","format":false,"excerpt":"Le SMS (SMS-OTP pour \u00abOne Time Password\u00bb) qui permet de valider la plupart des achats sur Internet devra \u00eatre remplac\u00e9 d\u00e8s septembre 2019 par des syst\u00e8mes d'identification plus performants. Une authentification forte est traditionnellement d\u00e9finie comme l\u2019utilisation de plusieurs facteurs pour authentifier l\u2019utilisateur d\u2019un moyen de paiement : la connaissance,\u2026","rel":"","context":"Dans &quot;Banking &amp; Payment&quot;","block_context":{"text":"Banking &amp; Payment","link":"https:\/\/mouillere.com\/universconvergents\/category\/it\/banking-payment\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/11\/digital-payment.jpg?fit=1170%2C480&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/11\/digital-payment.jpg?fit=1170%2C480&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/11\/digital-payment.jpg?fit=1170%2C480&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/11\/digital-payment.jpg?fit=1170%2C480&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/11\/digital-payment.jpg?fit=1170%2C480&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":2754,"url":"https:\/\/mouillere.com\/universconvergents\/2018\/03\/22\/la-directive-europeenne-sur-les-services-de-paiement-dsp2\/","url_meta":{"origin":2800,"position":4},"title":"La Directive europ\u00e9enne sur les Services de Paiement (DSP2)","author":"Fred","date":"22 mars 2018","format":false,"excerpt":"La Directive europ\u00e9enne sur les Services de Paiement (DSP2) qui r\u00e9forme la premi\u00e8re directive adopt\u00e9e en 2009 et d\u00e9finissant un cadre juridique pour la mise en place d'un march\u00e9 europ\u00e9en unique des paiements, est entr\u00e9e en vigueur le 13 janvier 2018. La DSP2 a pour objectif de cr\u00e9er un march\u00e9\u2026","rel":"","context":"Dans &quot;Donn\u00e9es personnelles&quot;","block_context":{"text":"Donn\u00e9es personnelles","link":"https:\/\/mouillere.com\/universconvergents\/category\/it\/donnees-personnelles\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/03\/CBqt6UsSSPQ-ckxEyiUJkjl72eJkfbmt4t8yenImKBVvK0kTmF0xjctABnaLJIm9.jpg?fit=467%2C226&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":2886,"url":"https:\/\/mouillere.com\/universconvergents\/2018\/11\/25\/vulnerabilitie-des-cartes-didentite-electroniques\/","url_meta":{"origin":2800,"position":5},"title":"Vuln\u00e9rabiliti\u00e9 des cartes d&#8217;identit\u00e9 \u00e9lectroniques","author":"Fred","date":"25 novembre 2018","format":false,"excerpt":"ZDNet consacre un article relatif \u00e0 la vuln\u00e9rabilit\u00e9 du syst\u00e8me de cartes \u00e0 identit\u00e9 \u00e9lectronique (eID) utilis\u00e9 par l\u2019\u00c9tat allemand permettant d'usurper l'identit\u00e9 d'un autre citoyen lors de l'authentification eID. La vuln\u00e9rabilit\u00e9 ne r\u00e9side pas dans la puce d'identification par radiofr\u00e9quence (RFID) int\u00e9gr\u00e9e dans les cartes eID mais dans le\u2026","rel":"","context":"Dans &quot;Banking &amp; Payment&quot;","block_context":{"text":"Banking &amp; Payment","link":"https:\/\/mouillere.com\/universconvergents\/category\/it\/banking-payment\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/11\/german-eid-auth-process.png?fit=600%2C301&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/11\/german-eid-auth-process.png?fit=600%2C301&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/mouillere.com\/universconvergents\/wp-content\/uploads\/2018\/11\/german-eid-auth-process.png?fit=600%2C301&ssl=1&resize=525%2C300 1.5x"},"classes":[]}],"_links":{"self":[{"href":"https:\/\/mouillere.com\/universconvergents\/wp-json\/wp\/v2\/posts\/2800","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mouillere.com\/universconvergents\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mouillere.com\/universconvergents\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mouillere.com\/universconvergents\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mouillere.com\/universconvergents\/wp-json\/wp\/v2\/comments?post=2800"}],"version-history":[{"count":2,"href":"https:\/\/mouillere.com\/universconvergents\/wp-json\/wp\/v2\/posts\/2800\/revisions"}],"predecessor-version":[{"id":4060,"href":"https:\/\/mouillere.com\/universconvergents\/wp-json\/wp\/v2\/posts\/2800\/revisions\/4060"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mouillere.com\/universconvergents\/wp-json\/wp\/v2\/media\/1081"}],"wp:attachment":[{"href":"https:\/\/mouillere.com\/universconvergents\/wp-json\/wp\/v2\/media?parent=2800"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mouillere.com\/universconvergents\/wp-json\/wp\/v2\/categories?post=2800"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mouillere.com\/universconvergents\/wp-json\/wp\/v2\/tags?post=2800"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}