クレジットカード発行システムの裏側

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ΫϨδοτΧʔυൃߦγεςϜͷཪଆ

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ϚΠΧʔυ ϖΞΧʔυ δϡχΞΧʔυ ࣓ؾͷΈPS*$νοϓ෇͖Χʔυ΋͋Δ

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ΫϨδοτΧʔυൃߦγεςϜͷཪଆ ਃ੥! ൃߦ" ഑ૹ#

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ΫϨδοτΧʔυൃߦγεςϜͷཪଆ ਃ੥! ൃߦ" ഑ૹ# ຊ೔͓࿩͠·͢ʂ

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ΧʔυൃߦγεςϜ

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ΧʔυൃߦγεςϜ "1* DPSF *TTVJOH "ENJO # Ϣʔβ ൃߦձࣾ

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ΧʔυൃߦγεςϜ "1* DPSF *TTVJOH "ENJO # Ϣʔβ ൃߦձࣾ ᶃਃ੥

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ΧʔυൃߦγεςϜ "1* DPSF *TTVJOH "ENJO # Ϣʔβ ൃߦձࣾ ᶃਃ੥ ᶄΦϖϨʔγϣϯ

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ΧʔυൃߦγεςϜ "1* DPSF *TTVJOH "ENJO # Ϣʔβ ൃߦձࣾ ᶃਃ੥ ᶄΦϖϨʔγϣϯ ᶅਃ੥৘ใ

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ΧʔυൃߦγεςϜ "1* DPSF *TTVJOH "ENJO # Ϣʔβ ൃߦձࣾ ᶃਃ੥ ᶄΦϖϨʔγϣϯ ᶅਃ੥৘ใ ᶆΧʔυ৘ใ

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ΧʔυൃߦγεςϜ "1* DPSF *TTVJOH "ENJO # Ϣʔβ ൃߦձࣾ ᶃਃ੥ ᶄΦϖϨʔγϣϯ ᶅਃ੥৘ใ ᶆΧʔυ৘ใ ٕज़ελοΫ͸݁ߏ;ͭ͏

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Χʔυ৘ใͷऔΓѻ͍

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Χʔυ৘ใͷऔΓѻ͍ "1* DPSF *TTVJOH "ENJO # Ϣʔβ ൃߦձࣾ ᶃਃ੥ ᶄΦϖϨʔγϣϯ ᶅਃ੥৘ใ ᶆΧʔυ৘ใ

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Χʔυ৘ใͷऔΓѻ͍ "1* DPSF *TTVJOH "ENJO # Ϣʔβ ൃߦձࣾ ᶃਃ੥ ᶄΦϖϨʔγϣϯ ᶅਃ੥৘ใ ᶆΧʔυ৘ใ

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Χʔυ৘ใ Χʔυ৘ใͷऔΓѻ͍ "1* DPSF *TTVJOH Χʔυ৘ใʢΧʔυ൪߸ɾηΩϡϦςΟίʔυ౳ʣΛѻ͏ʹ͸ 1$*%44Λऔಘ͢Δඞཁ͕͋Δ 1$*%44ͷείʔϓΛখ͘͢͞ΔͨΊɺΧʔυ৘ใΛѻ͏*TTVJOH γεςϜΛ੾Γग़͍ͯ͠Δ ਃ੥৘ใ

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Χʔυ৘ใ Χʔυ৘ใͷऔΓѻ͍ "1* DPSF *TTVJOH Χʔυ৘ใʢΧʔυ൪߸ɾηΩϡϦςΟίʔυ౳ʣΛѻ͏ʹ͸ 1$*%44Λऔಘ͢Δඞཁ͕͋Δ 1$*%44ͷείʔϓΛখ͘͢͞ΔͨΊɺΧʔυ৘ใΛѻ͏*TTVJOH γεςϜΛ੾Γग़͍ͯ͠Δ 1$*%44 ਃ੥৘ใ

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*TTVJOH Χʔυ৘ใ Χʔυ৘ใͷऔΓѻ͍ "1* DPSF 1$*%44ͷ੍໿ͰDPSFˠJTTVJOH΁௚઀ϦΫΤετΛඈ͹ͤͳ͍ DPSFˠJTTVJOHͷ࿈ܞ͸4ʹϑΝΠϧΛஔ͍ͯɺMBNCEB͕ͦͷ ϑΝΠϧΛಡΈऔΔܗͰ࿈ܞ͍ͯ͠Δ ਃ੥৘ใ 1$*%44

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Χʔυ৘ใͷऔΓѻ͍ "1* DPSF *TTVJOH "ENJO # Ϣʔβ ൃߦձࣾ ᶃਃ੥ ᶄΦϖϨʔγϣϯ ᶅਃ੥৘ใ ᶆΧʔυ৘ใ

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Χʔυ৘ใͷऔΓѻ͍ "1* DPSF *TTVJOH "ENJO # Ϣʔβ ൃߦձࣾ ᶃਃ੥ ᶄΦϖϨʔγϣϯ ᶅਃ੥৘ใ ᶆΧʔυ৘ใ

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Χʔυ৘ใͷऔΓѻ͍ *TTVJOH Χʔυ൪߸΍*$νοϓʹॻ͖ࠐΉ৘ใ͸ɺ༷ʑͳੜ੒伴Λར༻ͯ͠ ੜ੒͢Δඞཁ͕͋Δ ੜ੒伴͸)4.ʢͱͯ΋ߴ͍$ʣͰݫॏʹ؅ཧ͢Δඞཁ͕͋Δ

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Χʔυ৘ใͷऔΓѻ͍ "1* DPSF *TTVJOH "ENJO # Ϣʔβ ൃߦձࣾ ᶃਃ੥ ᶄΦϖϨʔγϣϯ ᶅਃ੥৘ใ ᶆΧʔυ৘ใ

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Χʔυ৘ใͷऔΓѻ͍ "1* DPSF *TTVJOH "ENJO # Ϣʔβ ൃߦձࣾ ᶃਃ੥ ᶄΦϖϨʔγϣϯ ᶅਃ੥৘ใ ᶆΧʔυ৘ใ

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Χʔυ৘ใͷऔΓѻ͍ *TTVJOH ൃߦձࣾ ਃ੥৘ใͱੜ੒ͨ͠Χʔυ৘ใΛϑΝΠϧʹॻ͖ग़͠ɺ೔࣌όον ͰൃߦձࣾͷγεςϜʹೖߘ͢Δ ೖߘ͢ΔϑΝΠϧʢϩάʣ͸ຊ൪؀ڥͰ͸Ұ੾ݟΕͳ͍Α͏ʹͯ͠ ͍Δ

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͜͏ͯ͠ΧʔυΛΈͳ͞·΁͓ಧ͚͍ͯ͠·͢#

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·ͱΊ

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·ͱΊ ٕज़ελοΫ͸ҰൠతͳXFCγεςϜͱҧ͍͸ͳ͍% Χʔυ৘ใͷऔΓѻ͍͸γεςϜͷߏ੒౳ͰέΞ͢Δඞཁ͕͋Δ& ܦݧ͕ੜ͖Δ෦෼ͱɺ৽ֶ͘͠΂Δ෦෼͕ద౓ʹָ͍͋ͬͯ͠'

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4FSWFSTJEF&OHJOFFS 8BLBCBZBTIJ:VUB !@VSCPV !VSJCPV