August 15, 2026, 11:18 a.m. (JST)
[Japan] Japan Communications (Tokyo, Japan) has reached a basic agreement with JINS Holdings (JINS) to utilize FPoS(FPoS: FinTech Platform over Security module), provided by its subsidiary my FinTech—which operates a certified electronic certification authority under the Electronic Signature Act—for the installment sales of JINS products and other related services.
FPoS is a trust infrastructure for the digital society developed by the company.Using the My Number Card as a trust anchor, and leveraging a smartphone’s “hardware-protected private key” along with a certification authority accredited under the Electronic Signature Act, FPoS reliably guarantees “who the information is from (identity)” and “what the information is (authenticity),” while integrating and providing four functions: identity verification, user authentication,electronic signatures, and data integration. Since development began in 2016, the platform has undergone pilot testing at the Financial Services Agency’s FinTech Demonstration Hub, obtained certification under the Electronic Signatures Act, and been implemented in local government and regional currency systems; commercial services in the financial and healthcare sectors began in 2026.
FPoS is used in payment services such as “Mebuku Pay” in Maebashi City, Gunma Prefecture, operated by Mebuku Ground Co., Ltd., and “Yudepi” in Omura City, Nagasaki Prefecture, operated by Juhachi Shinwa Bank (with cumulative transaction volume exceeding 5 billion yen as of January 31, 2026);there have reportedly been no incidents of smartphone payment account hijacking or fraudulent use involving illegally obtained credit card information since the service launched in December 2023.
While there have been cases of fraudulent use involving temporary IDs issued through simplified identity verification, no such incidents have been confirmed for accounts that underwent identity verification using My Number Cards.
Typically, when selling goods on an installment basis, it is necessary to assess the purchaser’s creditworthiness, manage receivables, and address the risk of non-collection; therefore, it is common practice to outsource these tasks to credit card companies or consumer finance companies, though this requires a corresponding fee.The company believes that its track record of FPoS usage—in which no fraudulent activity has been detected thanks to strict identity verification—can be leveraged to realize new forms of microfinance, including installment sales, and it plans to move forward with this initiative in collaboration with JINS. (paymentnavi Editorial Team)
