No.7, 55-65 (2006) Vision of Electronic Money Card Distribution Plans in Japan - Discussion of the and Credit Card Distribution Plans - OSHIMA Kazuchika Nihon University, Graduate School of Social and Cultural Studies The development of the Internet in the latter half of the 20th century, the subsequent rapid growth of the electronic commerce market, and the maturity of security technology have resulted in the appearance of "electronic money" as a safe and efficient means of settlement over the network. Under these conditions, various demonstration experiments have been conducted around the world beginning at the end of the 20th century. The Japanese public is finally accepting these research efforts by adopting the and electronic money systems. The current move by the Japanese Bankers Association (JBA) toward integrated circuit (IC) cash cards may reverse the current balance in the distribution and function of cash cards and credit cards and increase the potential number of credit card users. Credit cards are a means of electronic settlement utilized by both and. This is expected to increase the number of credit card users and make credit cards an important means of settlement in both the and systems. Therefore, the proposal to distribute credit cards as an electronic money storage medium is critical for the future development of electronic money. In this paper, we investigate the influence of the JBA-promoted IC cash cards on the balance in the distribution of such cards, analyze the and card distribution plans, and compare them with the existing credit card distribution plans in order to discuss the future direction of plans to distribute electronic money cards.. 20 Octopus 20 1 Super Cash 2 Mondex 1 1997-1998 1998-1999
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IC IC IC % 2 2 Super Cash 24 JR VIEW JR JR JR. JR IC JR JR JR JR 2002 12 1 2002 12 1 JR 2004 8 1 JR, <http://www.jreast.co.jp/organization/index.html>(19 Aug. 2005) 2005 3 19 pp113-142 2 58
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2002 VIEW 2004 3 22 IC IC EMV IC JR VIEW 1. 1.1 5 (1) IC 6,893 IC 12 1.7 8 5,901 3 IC IC IC ISO9992 EMV 10 IC 63 2 9 4 EMV IC IC 13 3 21 2002 2 4,952 IC 6.05%2008 3 5,666 IC 89.09% 2002 4 1,373 IC 0.07% 1.7 2008 5 235 IC 50.00% 1.4 10 4 11 2002 1.7 11 IC IC 200304 5 15 pp- 12 11 2008 IC 60
IC IC 200304 2003 5 15 pp- 3 IC IC IC IC 1 (2) IC IC 4 B A C B A C International B A C Card International C C C C C C B B B B A A 4 International Card International 5 90% 2 61
1 Card International International A A JR JR JR B B 1,, <http://www.edy.jp/business/index.html>(22 Mar. 2005) (3), 2000.12.252005.1.14, http://www.edy.jp/press/html/>(8 Apr. 2005) JR, <http://www.jreast.co.jp/organization/index.html>(19 Aug. 2005) IC 4 5 2005 3 19 pp113-142 5 62
(4) 6 IC VIEW B C B A Card International International C A A B C A B C VIEW JR JR 1993 2 VIEW 2000 6 2005 5 1,255 745 63
VIEW 1. 2., Mondex?, 3. SGCIME 6. 20 & 2004 2 6. & 7. 8. 1 10.,, 1996 6 28 <http://www.jssco.net/mondexjapan/index2.html>(1 0 Oct. 2005) 5 2004 7 15 p88 4. 2003 12 22 5. 1 IC pp112-113 2003 6 26 2003 11 13 2005 3 19 pp113-142 9., (25 Dec. 200012 Jul. 2005), <http://www.edy.jp/press/html/050407.html>(8 Apr. 11. JR, (4 Sep. 2001 2005) <http://www.edy.jp/business/index.html>(22 Mar. 2005) 64
11 Jul. 2005), <http://www.jreast.co.jp/suica/>(8 Apr. 2005) 12. JR, <http://www.jreast.co.jp/organization/index.html>(1 9 Aug. 2005) 13. IC IC 200304 5 15 pp - (Received: May 31, 2006) (Issued in internet Edition: July 1, 2006) 65