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In 1999, JCB launched J/SmartTM, JCB's own credit application for smart cards, which is compliant with the de-facto global standard EMV. Following successful pilot projects, JCB took the initiative to lead the Japanese industry by beginning the full-scale rollout of JCB smart cards in 2001. JCB is also pushing ahead both domestically and internationally with enhancing the payment network infrastructure to support smart card services.
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To meet rising demand for protection against fraudulent internet transactions, and to answer increasing concern about identity theft worldwide, JCB has been promoting the J/SecureTM payer authentication program since 2004. Compatible with the global 3-D Secure protocol, J/Secure adds an important password identification step to verify the identity of the person using card payment at an on-line merchant.
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JCB is taking the initiative in the highly advanced area of biometric authentication as well. One recent pilot project implemented fingerprint verification for mobile access to personal information and card use history on MyJCB, the JCB cardmember site providing services over the internet including balance and transaction inquiries, card loan applications, and address and other cardmember information update capability. Another project is a permanent implementation of fingertip blood vessel vertication for both access control and credit card payment at a condominium complex scheduled to open in March 2005. | | |
