Why am I unable to use my apps store when my billing information hasn't changed

I'm trying to download a game from my App Store for my sister, it asks me for my Apple ID password, I type it in then I get the billing page come up. I haven't changed my bank details so why am I unable to download from App Store?

Apple has made the accounts more secure and this is security protecol to insure that you are who you claim to be. Are you attempting this on your own Mac or on hers?

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