As for the billing exploit, this isn't an issue with GOA's implimentation as they don't do the billing inhouse and use a third party solution which is totally cut off from them.
When Mythic wrote the software for logging on to the game and sending billing/account information they used weak assed encryption which meant that any half decent cracker could just get hold of the packets being sent from your machine when you log into the game and break them, thus getting hold of your log in information. They could also get hold of your billing account log in details too because mythic used the same system for that.
Mythic realised this was fucked when it was pointed out in a number of security bullitins and created a new log in client with much stronger protection.
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