{"id":47914,"date":"2015-05-08T07:11:28","date_gmt":"2015-05-07T22:11:28","guid":{"rendered":"http:\/\/paymentnavi.com\/?p=47914"},"modified":"2015-05-08T07:12:04","modified_gmt":"2015-05-07T22:12:04","slug":"%e6%b5%b7%e5%a4%96%e3%81%ae%e3%82%ab%e3%83%bc%e3%83%89%e4%b8%8d%e6%ad%a3%e5%88%a9%e7%94%a8%e3%81%ae%e5%ae%9f%e6%85%8b%e3%81%a8%e3%81%9d%e3%81%ae%e5%af%be%e7%ad%96%e3%81%ae%e5%8b%95%e5%90%91%ef%bc%883","status":"publish","type":"post","link":"https:\/\/paymentnavi.com\/en\/paymentnews\/47914.html","title":{"rendered":"\u6d77\u5916\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u5229\u7528\u306e\u5b9f\u614b\u3068\u305d\u306e\u5bfe\u7b56\u306e\u52d5\u5411\uff083\uff09"},"content":{"rendered":"

2015\u5e745\u67088\u65e57:11<\/span><\/p>\n

\u6d77\u5916\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u5229\u7528\u306e\u5b9f\u614b\u3068\u305d\u306e\u5bfe\u7b56\u306e\u52d5\u5411\uff083\uff09
\n\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3001\u30a2\u30b8\u30a2\u3001CNP\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u52d5\u5411<\/strong><\/span><\/p>\n

\u6d77\u5916\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u5229\u7528\u306e\u5b9f\u614b\u3068\u305d\u306e\u5bfe\u7b56\u306e\u52d5\u5411\uff081\uff09
\n<\/a>\u6d77\u5916\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u5229\u7528\u306e\u5b9f\u614b\u3068\u305d\u306e\u5bfe\u7b56\u306e\u52d5\u5411\uff082\uff09<\/a><\/p>\n

\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2<\/h3>\n

\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306e\u30a4\u30f3\u30bf\u30fc\u30d0\u30f3\u30af\u306e\u6c7a\u6e08\u6a5f\u95a2\u3067\u3042\u308bAPCA\uff08Australian Payments Clearing Association\uff09\u306f\u3001\u5c0f\u5207\u624b\u4e0d\u6b63\u3084\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3001\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u306e\u767a\u751f\u72b6\u6cc1\u3092\u6bce\u5e74\u53d6\u308a\u307e\u3068\u3081\u30ec\u30dd\u30fc\u30c8\u3057\u3066\u3044\u308b\u3002<\/p>\n

\uff08\u56f3\u886817\uff09\u306f\u3001\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306b\u304a\u3051\u308b2008\u5e74\u304b\u30892013\u5e74\u307e\u3067\u306e6\u5e74\u9593\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u306e\u30bf\u30a4\u30d7\u5225\u306e\u63a8\u79fb\u3092\u793a\u3057\u305f\u3082\u306e\u3067\u3042\u308b\u3002\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u306b\u3088\u308b\u640d\u5931\u984d\u306f\u30012008\u5e74\u5ea6\u306eA\uff0416,130\u4e07\uff08\u7d04161\u5104\u5186\uff09\u304b\u30892013\u5e74\u5ea6\u306eA\uff0430,380\u4e07\uff08\u7d04303\u5104\u5186\uff09\u3078\u30685\u5e74\u9593\u306788\uff05\u5897\u52a0\u3057\u3066\u3044\u308b\u3002\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306b\u304a\u3051\u308b\u30ab\u30fc\u30c9\u4e0d\u6b63\u306e\u3053\u30536\u5e74\u9593\u306e\u7279\u5fb4\u306f\u3001\u305d\u308c\u307e\u3067\u5897\u52a0\u50be\u5411\u306b\u3042\u3063\u305f\u30ab\u30fc\u30c9\u507d\u9020\u3084\u30b9\u30ad\u30df\u30f3\u30b0\u306b\u3088\u308b\u4e0d\u6b63\u304c\u3001EMV IC\u30ab\u30fc\u30c9\u5316\u306b\u3088\u308a2011\u5e74\u5ea6\u3092\u30d4\u30fc\u30af\u306b\u305d\u306e\u5f8c\u6e1b\u5c11\u50be\u5411\u306b\u3042\u308b\u3053\u3068\u3068\u3001CNP\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u304c2008\u5e74\u5ea6A\uff047,280\u4e07\uff0872\u5104\u30c9\u30eb\uff09\u304b\u30892013\u5e74\u5ea6A\uff0421,970\u4e07\uff08\u7d04219\u5104\u30c9\u30eb\uff09\u3078\u6025\u5897\u3057\u3066\u3044\u308b\u3053\u3068\u3067\u3042\u308b\u3002\u30ab\u30fc\u30c9\u507d\u9020\u3084\u30b9\u30ad\u30df\u30f3\u30b0\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u5168\u4f53\u306b\u5bfe\u3059\u308b\u5272\u5408\u306f\u30012008\u5e74\u5ea6\u306e35\uff05\u304b\u30892013\u5e74\u5ea6\u306e12\uff05\u306823\u30dd\u30a4\u30f3\u30c8\u3082\u5927\u304d\u304f\u6e1b\u5c11\u3055\u305b\u3066\u3044\u308b\u3002\u4e00\u65b9\u3001CNP\uff08Card Not Present\uff09\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u306e\u5272\u5408\u304c\u30012008\u5e74\u5ea6\u306e45\uff05\u304b\u30892013\u5e74\u5ea6\u306e72\uff05\u3078\u306827\u30dd\u30a4\u30f3\u30c8\u3082\u5897\u52a0\u3057\u3066\u3044\u308b\u3002<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\uff08\u56f3\u886817\uff09 \u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u306e\u30bf\u30a4\u30d7\u5225\u306e\u63a8\u79fb\uff082008\u5e74\uff5e2013\u5e74\uff09\uff08\u4e07A\uff04\uff09<\/td>\n<\/tr>\n
<\/th>\n2008\u5e74\u5ea6<\/th>\n2009\u5e74\u5ea6<\/th>\n2010\u5e74\u5ea6<\/th>\n2011\u5e74\u5ea6<\/th>\n2012\u5e74\u5ea6<\/th>\n2013\u5e74\u5ea6<\/th>\n<\/tr>\n
CNP<\/th>\n7,280<\/td>\n9,060<\/td>\n13,120<\/td>\n19,810<\/td>\n18,310<\/td>\n21,970<\/td>\n<\/tr>\n
45%<\/td>\n52%<\/td>\n64%<\/td>\n68%<\/td>\n70%<\/td>\n72%<\/td>\n<\/tr>\n
\u507d\u9020\u30fb\u30b9\u30ad\u30df\u30f3\u30b0<\/th>\n5,590<\/td>\n5,620<\/td>\n5,000<\/td>\n6,600<\/td>\n3,720<\/td>\n3,720<\/td>\n<\/tr>\n
35%<\/td>\n32%<\/td>\n24%<\/td>\n23%<\/td>\n14%<\/td>\n12%<\/td>\n<\/tr>\n
\u7d1b\u5931\u30fb\u76d7\u96e3<\/th>\n2,000<\/td>\n1,660<\/td>\n1,670<\/td>\n2,020<\/td>\n2,700<\/td>\n3,400<\/td>\n<\/tr>\n
12%<\/td>\n10%<\/td>\n8%<\/td>\n7%<\/td>\n10%<\/td>\n11%<\/td>\n<\/tr>\n
\u30ab\u30fc\u30c9\u672a\u7740<\/th>\n560<\/td>\n430<\/td>\n340<\/td>\n410<\/td>\n850<\/td>\n940<\/td>\n<\/tr>\n
3%<\/td>\n2%<\/td>\n2%<\/td>\n1%<\/td>\n3%<\/td>\n3%<\/td>\n<\/tr>\n
\u4e0d\u6b63\u7533\u8fbc<\/th>\n180<\/td>\n180<\/td>\n110<\/td>\n110<\/td>\n350<\/td>\n150<\/td>\n<\/tr>\n
1%<\/td>\n1%<\/td>\n1%<\/td>\n1%<\/td>\n1%<\/td>\n1%<\/td>\n<\/tr>\n
\u305d\u306e\u4ed6<\/th>\n530<\/td>\n430<\/td>\n220<\/td>\n340<\/td>\n180<\/td>\n190<\/td>\n<\/tr>\n
3%<\/td>\n2%<\/td>\n1%<\/td>\n1%<\/td>\n1%<\/td>\n1%<\/td>\n<\/tr>\n
\u5408\u8a08<\/th>\n16,130<\/td>\n17,370<\/td>\n20,450<\/td>\n29,280<\/td>\n26,110<\/td>\n30,380<\/td>\n<\/tr>\n
\u51fa\u5178 \uff1a APCA\uff08Australian Payments Clearing Association\uff09<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\uff08\u56f3\u886818\uff09\u306f\u3001\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u306e\u91d1\u984d\u6bd4\u30fb\u4ef6\u6570\u6bd4\u3001\u306a\u3089\u3073\u306b\u4e00\u4ef6\u5f53\u305f\u308a\u306e\u4e0d\u6b63\u30ab\u30fc\u30c9\u30bf\u30a4\u30d7\u5225\u3067\u306e\u5e73\u5747\u5358\u4fa1\u306e2008\u5e74\u5ea6\u304b\u30892013\u5e74\u5ea6\u307e\u3067\u306e6\u5e74\u9593\u306e\u63a8\u79fb\u3092\u793a\u3057\u305f\u3082\u306e\u3067\u3042\u308b\u3002\u30ab\u30fc\u30c9\u4e0d\u6b63\u767a\u751f\u7387\u306e\u91d1\u984d\u6bd4\u306f\u30012011\u5e74\u5ea6\u306e0.0515\uff05\u3092\u30d4\u30fc\u30af\u306b2008\u5e74\u5ea6\u306e0.0327\uff05\u304b\u30892013\u5e74\u5ea6\u306e0.0487\uff05\u3068\u300150\uff05\u5897\u52a0\u3057\u3066\u3044\u308b\u3002\u30ab\u30fc\u30c9\u4e0d\u6b63\u767a\u751f\u7387\u306e\u4ef6\u6570\u6bd4\u3082\u30012008\u5e74\u5ea6\u306e0.011\uff05\u304b\u30892013\u5e74\u5ea6\u306e0.025\uff05\u3068\u30012\u500d\u4ee5\u4e0a\u306b\u5897\u52a0\u3057\u3066\u3044\u308b\u3002\u30ab\u30fc\u30c9\u4e0d\u6b63\u58f2\u308a\u4e0a\u3052\u306e\u4e00\u4ef6\u5f53\u305f\u308a\u306e\u5358\u4fa1\u306f\u30012008\u5e74\u5ea6\u306e358\u30c9\u30eb\uff08\u7d043\u4e075,800\u5186\uff09\u304b\u30892013\u5e74\u5ea6\u306e197\u30c9\u30eb\uff08\u7d041\u4e079,700\u5186\uff09\u3078\u30685\u5e74\u9593\u306745\uff05\u3082\u4e0b\u304c\u3063\u3066\u3044\u308b\u3002<\/p>\n\n\n\n\n\n\n\n\n\n\n\n
\uff08\u56f3\u886818\uff09
\n\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u306e\u91d1\u984d\u6bd4\u30fb\u4ef6\u6570\u6bd4\u30fb\u5e73\u5747\u5358\u4fa1\u306e\u63a8\u79fb\uff082008\u5e74\uff5e2013\u5e74\uff09<\/td>\n<\/tr>\n
<\/th>\n\u30ab\u30fc\u30c9\u4e0d\u6b63\u91d1\u984d\u6bd4<\/th>\n\u30ab\u30fc\u30c9\u4e0d\u6b63\u4ef6\u6570\u6bd4<\/th>\n\u5e73\u5747\u4e0d\u6b63\u91d1\u984d<\/th>\n<\/tr>\n
2008\u5e74\u5ea6<\/th>\n0.033%<\/td>\n0.011%<\/td>\n358\u30c9\u30eb<\/td>\n<\/tr>\n
2009\u5e74\u5ea6<\/th>\n0.034%<\/td>\n0.015%<\/td>\n260\u30c9\u30eb<\/td>\n<\/tr>\n
2010\u5e74\u5ea6<\/th>\n0.038%<\/td>\n0.018%<\/td>\n247\u30c9\u30eb<\/td>\n<\/tr>\n
2011\u5e74\u5ea6<\/th>\n0.052%<\/td>\n0.022%<\/td>\n254\u30c9\u30eb<\/td>\n<\/tr>\n
2012\u5e74\u5ea6<\/th>\n0.044%<\/td>\n0.022%<\/td>\n210\u30c9\u30eb<\/td>\n<\/tr>\n
2013\u5e74\u5ea6<\/th>\n0.049%<\/td>\n0.025%<\/td>\n197\u30c9\u30eb<\/td>\n<\/tr>\n
\u51fa\u5178 \uff1a
\nAPCA\uff08Australian Payments Clearing Association\uff09<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u53f0\u6e7e<\/h3>\n

\u53f0\u6e7e\u306b\u306fVisa\u3084MasterCard\u3001American Express\u3001JCB\u3001\u4e2d\u56fd\u9280\u806f\u3001\u53f0\u6e7e\u306e\u30ca\u30b7\u30e7\u30ca\u30eb\u30d6\u30e9\u30f3\u30c9\u306e\u201cU\u30ab\u30fc\u30c9\u201d\u3068\u3044\u3063\u305f\u30b5\u30fc\u30c9\u30d1\u30fc\u30c6\u30a3\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3092\u7d71\u62ec\u3059\u308bNCCC\uff08National Credit Card Center\u3001\u8a2d\u7acb1979\u5e74\uff09\u3068\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3084ATM\u30fb\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3092\u7d71\u62ec\u3059\u308b\u9280\u884c\u9593\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u30b7\u30b9\u30c6\u30e0\u3092\u904b\u55b6\u3059\u308bFISC\uff08Financial Information Service Co.\u3001\u8a2d\u7acb1984\u5e74\uff09\u306e2\u3064\u306e\u6a5f\u95a2\u304c\u3042\u308b\u3002<\/p>\n

\uff08\u56f3\u886819\uff09\u306f\u30012006\u5e74\u5ea6\u304b\u30892013\u5e74\u5ea6\u307e\u3067\u306eNCCC\u306e\u30e1\u30f3\u30d0\u30fc\u9280\u884c\u3088\u308a\u96c6\u8a08\u3057\u305f\u56fd\u969b\u30d6\u30e9\u30f3\u30c9\u306eVisa\u3084MasterCard\u3001JCB\u306e\u307b\u304b\u3001\u53f0\u6e7e\u306e\u30ca\u30b7\u30e7\u30ca\u30eb\u30d6\u30e9\u30f3\u30c9\u306eU\u30ab\u30fc\u30c9\u3068\u3044\u3063\u305f\u30d0\u30f3\u30af\u30ab\u30fc\u30c9\u306e\u4e0d\u6b63\u30bf\u30a4\u30d7\u5225\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u72b6\u6cc1\u306e\u63a8\u79fb\u3067\u3042\u308b\u3002\u30ab\u30fc\u30c9\u4e0d\u6b63\u306b\u3088\u308b\u640d\u5931\u306f\u3001EMV IC\u30ab\u30fc\u30c9\u306e\u5c0e\u5165\u306a\u3069\u306b\u3088\u308a\u3001\u30ab\u30fc\u30c9\u507d\u9020\u3084\u30ab\u30fc\u30c9\u306e\u7d1b\u5931\u3001\u76d7\u96e3\u306a\u3069\u306b\u3088\u308b\u4e0d\u6b63\u306e\u6e1b\u5c11\u3067\u30012006\u5e74\u5ea6\u306e2\u51048,047\u4e07\u53f0\u6e7e\u30c9\u30eb\uff08\u7d0410\u51043,800\u5186\uff09\u304b\u30892010\u5e74\u5ea6\u306e1\u51043,930\u4e07\u53f0\u6e7e\u30c9\u30eb\uff085\u51041,500\u4e07\u5186\uff09\u3078\u30684\u5e74\u9593\u7d9a\u3051\u3066\u4f4e\u6e1b\u3057\u3066\u3044\u305f\u3002\u3057\u304b\u3057\u30012011\u5e74\u3088\u308aCNP\uff08Card Not Present\uff09\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u304c\u6025\u5897\u3057\u305f\u305f\u3081\u3001\u30ab\u30fc\u30c9\u4e0d\u6b63\u5168\u4f53\u304c\u5897\u52a0\u306b\u8ee2\u3058\u30012012\u5e74\u5ea6\u306b\u306f3\u51045,293\u4e07\u53f0\u6e7e\u30c9\u30eb\uff08\u7d0413\u5104\u5186\uff09\u3078\u3068\u6025\u6fc0\u306b\u5897\u52a0\u3057\u3066\u3044\u308b\u3002<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\uff08\u56f3\u886819\uff09NCCC\u30e1\u30f3\u30d0\u30fc\u9280\u884c\u306e\u4e0d\u6b63\u30bf\u30a4\u30d7\u5225\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u72b6\u6cc1\uff082006\u5e74\uff5e2013\u5e74\uff09
\n\uff08VISA\uff0c\u30de\u30b9\u30bf\u30fc\u3001JCB\u3001U-\u30ab\u30fc\u30c9\uff09\uff08\u5343NT\uff04\uff09<\/td>\n<\/tr>\n
\u30ab\u30fc\u30c9\u4e0d\u6b63\u30bf\u30a4\u30d7<\/th>\n2006\u5e74\u5ea6\u640d\u5bb3\u984d<\/th>\n2007\u5e74\u5ea6\u640d\u5bb3\u984d<\/th>\n2009\u5e74\u5ea6\u640d\u5bb3\u984d<\/th>\n2010\u5e74\u5ea6\u640d\u5bb3\u984d<\/th>\n<\/tr>\n
\u30ab\u30fc\u30c9\u306e\u7d1b\u5931<\/th>\n64,476<\/td>\n23%<\/td>\n36,718<\/td>\n21%<\/td>\n19,565<\/td>\n14%<\/td>\n13,647<\/td>\n10%<\/td>\n<\/tr>\n
\u30ab\u30fc\u30c9\u306e\u76d7\u96e3<\/th>\n42,784<\/td>\n15%<\/td>\n25,730<\/td>\n15%<\/td>\n19,557<\/td>\n14%<\/td>\n13,688<\/td>\n10%<\/td>\n<\/tr>\n
\u30ab\u30fc\u30c9\u306e\u672a\u7740<\/th>\n5,635<\/td>\n2%<\/td>\n3,650<\/td>\n2%<\/td>\n1,048<\/td>\n<1\uff05<\/td>\n758<\/td>\n<1\uff05<\/td>\n<\/tr>\n
\u30ab\u30fc\u30c9\u306e\u4e0d\u6b63\u7533\u3057\u8fbc\u307f<\/th>\n7,229<\/td>\n3%<\/td>\n2,682<\/td>\n2%<\/td>\n2,287<\/td>\n2%<\/td>\n2,168<\/td>\n1%<\/td>\n<\/tr>\n
\u30ab\u30fc\u30c9\u306e\u507d\u9020<\/th>\n80,822<\/td>\n29%<\/td>\n45,426<\/td>\n26%<\/td>\n35,635<\/td>\n25%<\/td>\n27,904<\/td>\n20%<\/td>\n<\/tr>\n
CNP<\/th>\n46,898<\/td>\n17%<\/td>\n40,224<\/td>\n23%<\/td>\n54,768<\/td>\n39%<\/td>\n73,334<\/td>\n53%<\/td>\n<\/tr>\n
\u4e8c\u91cd\u58f2\u308a\u4e0a\u3052<\/th>\n1,181<\/td>\n0%<\/td>\n1,398<\/td>\n1%<\/td>\n1,041<\/td>\n<1\uff05<\/td>\n855<\/td>\n<1\uff05<\/td>\n<\/tr>\n
\u305d\u306e\u4ed6<\/th>\n31,495<\/td>\n11%<\/td>\n20,361<\/td>\n11%<\/td>\n7,173<\/td>\n5%<\/td>\n6,948<\/td>\n5%<\/td>\n<\/tr>\n
\u5408\u3000\u8a08<\/th>\n280,470<\/td>\n100%<\/td>\n176,190<\/td>\n100%<\/td>\n141,076<\/td>\n100%<\/td>\n139,305<\/td>\n100%<\/td>\n<\/tr>\n
\u51fa\u5178 \uff1a NCCC\u201cAnnual Report\u201d2006\u5e74\u7248\u30012007\u5e74\u7248\u30012010\u5e74\u7248\u30012011\u5e74\u7248\u30012012\u5e74\u7248\u30012013\u5e74\u7248\u3088\u308a\u4f5c\u6210<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\uff08\u56f3\u886819\uff09NCCC\u30e1\u30f3\u30d0\u30fc\u9280\u884c\u306e\u4e0d\u6b63\u30bf\u30a4\u30d7\u5225\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u72b6\u6cc1\uff082006\u5e74\uff5e2013\u5e74\uff09
\n\uff08VISA\uff0c\u30de\u30b9\u30bf\u30fc\u3001JCB\u3001U-\u30ab\u30fc\u30c9\uff09\uff08\u5343NT\uff04\uff09<\/td>\n<\/tr>\n
\u30ab\u30fc\u30c9\u4e0d\u6b63\u30bf\u30a4\u30d7<\/th>\n2011\u5e74\u5ea6\u640d\u5bb3\u984d<\/th>\n2012\u5e74\u5ea6\u640d\u5bb3\u984d<\/th>\n2013\u5e74\u5ea6\u640d\u5bb3\u984d<\/th>\n<\/tr>\n
\u30ab\u30fc\u30c9\u306e\u7d1b\u5931<\/th>\n13,511<\/td>\n8%<\/td>\n16,754<\/td>\n4%<\/td>\n22,073<\/td>\n7%<\/td>\n<\/tr>\n
\u30ab\u30fc\u30c9\u306e\u76d7\u96e3<\/th>\n13,685<\/td>\n8%<\/td>\n15,657<\/td>\n4%<\/td>\n10,239<\/td>\n3%<\/td>\n<\/tr>\n
\u30ab\u30fc\u30c9\u306e\u672a\u7740<\/th>\n1,302<\/td>\n<1\uff05<\/td>\n1,014<\/td>\n<1\uff05<\/td>\n1,158<\/td>\n<1\uff05<\/td>\n<\/tr>\n
\u30ab\u30fc\u30c9\u306e\u4e0d\u6b63\u7533\u3057\u8fbc\u307f<\/th>\n2,059<\/td>\n1%<\/td>\n1,464<\/td>\n<1\uff05<\/td>\n2,092<\/td>\n<1\uff05<\/td>\n<\/tr>\n
\u30ab\u30fc\u30c9\u306e\u507d\u9020<\/th>\n19,629<\/td>\n12%<\/td>\n17,622<\/td>\n5%<\/td>\n16,422<\/td>\n5%<\/td>\n<\/tr>\n
CNP<\/th>\n106,608<\/td>\n63%<\/td>\n295,708<\/td>\n84%<\/td>\n268,944<\/td>\n82%<\/td>\n<\/tr>\n
\u4e8c\u91cd\u58f2\u308a\u4e0a\u3052<\/th>\n432<\/td>\n<1\uff05<\/td>\n\u3000\u2015<\/td>\n\u2015<\/td>\n\u3000\u2015<\/td>\n\u2015<\/td>\n<\/tr>\n
\u305d\u306e\u4ed6<\/th>\n11,816<\/td>\n7%<\/td>\n5,225<\/td>\n1%<\/td>\n6,995<\/td>\n2%<\/td>\n<\/tr>\n
\u5408\u3000\u8a08<\/th>\n169,047<\/td>\n100%<\/td>\n352,929<\/td>\n100%<\/td>\n328,320<\/td>\n100%<\/td>\n<\/tr>\n
\u51fa\u5178 \uff1a NCCC\u201cAnnual Report\u201d2006\u5e74\u7248\u30012007\u5e74\u7248\u30012010\u5e74\u7248\u30012011\u5e74\u7248\u30012012\u5e74\u7248\u30012013\u5e74\u7248\u3088\u308a\u4f5c\u6210<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u53f0\u6e7e\u306b\u304a\u3051\u308b\u30ab\u30fc\u30c9\u507d\u9020\u306b\u3088\u308b\u640d\u5bb3\u306f\u30012006\u5e74\u5ea6\u306b\u304a\u3044\u3066\u306f8,082\u4e07\u53f0\u6e7e\u30c9\u30eb\uff082\u51047,479\u4e07\u5186\uff09\u3067\u3001\u4e0d\u6b63\u5168\u4f53\u306e29\uff05\u3092\u3082\u5360\u3081\u3066\u3044\u304c\u3001\u30ab\u30fc\u30c9\u507d\u9020\u306e\u4e0d\u6b63\u91d1\u984d\u306f\u6bce\u5e74\u6e1b\u5c11\u3057\u30012013\u5e74\u5ea6\u306b\u306f2006\u5e74\u5ea6\u306e\u308f\u305a\u304b2\u5272\u307b\u3069\u306e1,642\u4e07\u53f0\u6e7e\u30c9\u30eb\uff08\u7d046,100\u4e07\u5186\uff09\u307e\u3067\u306b\u6e1b\u5c11\u3057\u3001\u4e0d\u6b63\u5168\u4f53\u306b\u5360\u3081\u308b\u5272\u5408\u30825\uff05\u30682006\u5e74\u5ea6\u6bd4\u306724\u30dd\u30a4\u30f3\u30c8\u3082\u4e0b\u3052\u3066\u3044\u308b\u3002<\/p>\n

\u3053\u308c\u306b\u5bfe\u3057\u3066\u3001CNP\uff08Card Not Present\uff09\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u306f2006\u5e74\u5ea6\u306e4,690\u4e07\u53f0\u6e7e\u30c9\u30eb\uff08\u7d041\u51047,000\u4e07\u5186\uff09\u304b\u30892012\u5e74\u5ea6\u306b\u306f2006\u5e74\u5ea6\u306e6.3\u500d\u3068\u306a\u308b2\u51049,571\u4e07\u53f0\u6e7e\u30c9\u30eb\uff08\u7d0411\u5104\u5186\uff09\u306b\u307e\u3067\u62e1\u5927\u3057\u3066\u3044\u308b\u3002CNP\u306e\u4e0d\u6b63\u640d\u5931\u984d\u306e\u4e0d\u6b63\u5168\u4f53\u306b\u5360\u3081\u308b\u5272\u5408\u30822006\u5e74\u5ea6\u306e17\uff05\u304b\u30892012\u5e74\u5ea6\u306b\u306f84\uff05\u306b\u307e\u3067\u62e1\u5927\u3057\u30012006\u5e74\u5ea6\u6bd4\u306767\u30dd\u30a4\u30f3\u30c8\u3082\u5897\u5927\u3055\u305b\u3066\u3044\u308b\u3002\u53f0\u6e7e\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u306e\u5927\u534a\u304cCNP\u306e\u4e0d\u6b63\u304c\u5360\u3081\u3066\u3044\u308b\u72b6\u6cc1\u306b\u81f3\u3063\u3066\u3044\u308b\u3002\u306a\u304a\u30012013\u5e74\u5ea6\u306f\u3001CNP\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u306f2012\u5e74\u5ea6\u6bd4\u30679.0\uff05\u4f4e\u6e1b\u3057\u3001\u30ab\u30fc\u30c9\u4e0d\u6b63\u306e\u640d\u5931\u984d\u30822012\u5e74\u5ea6\u6bd4\u30678.7\uff05\u6e1b\u5c11\u3057\u3066\u3044\u308b\u3002<\/p>\n

\u30de\u30ec\u30fc\u30b7\u30a2<\/h3>\n

\u30de\u30ec\u30fc\u30b7\u30a2\u3067\u306f\u4e2d\u592e\u9280\u884c\u306eBank Negara Malaysia\u306e\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\u306e\u5e74\u5ea6\u5831\u544a\u66f8\u3067\u3042\u308b\u300eFinancial Stability and Payment Systems Report, 2013\u300f\u3067\u3001\u30de\u30ec\u30fc\u30b7\u30a2\u306e\u30da\u30a4\u30e1\u30f3\u30c8\u30ab\u30fc\u30c9\u4e0d\u6b63\u306e\u72b6\u6cc1\u304c\u5831\u544a\u3055\u308c\u3066\u3044\u308b\u30022013\u5e74\u5ea6\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u4e0d\u6b63\u306e\u640d\u5931\u984d\u306fRM2,940\u4e07\uff08\u7d0411\u51047,600\u4e07\u5186\uff09\u30672011\u5e74\u4ee5\u964d\u307b\u307c\u6a2a\u3070\u3044\u3067\u63a8\u79fb\u3057\u30012013\u5e74\u5ea6\u306e\u640d\u5931\u5272\u5408\u306f\u6c7a\u6e08\u91d1\u984d\u6bd40.03\uff05\u3067\u3042\u308b\u3002\uff08\u56f3\u886820\uff09\u306f\u30012013\u5e74\u5ea6\u306b\u304a\u3051\u308b\u30ab\u30fc\u30c9\u4e0d\u6b63\u30bf\u30a4\u30d7\u5225\u306e\u5272\u5408\u3067\u3001\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8\u306e61.9\uff05\u3068\u901a\u4fe1\u8ca9\u58f2\u306e5.2\uff05\u3068\u5408\u308f\u305b\u3066CNP\uff08Card Not Present\uff09\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u306b\u3088\u308b\u640d\u5931\u306f67.1\uff05\u306b\u3082\u53ca\u3093\u3067\u3044\u308b\u3002<\/p>\n\n\n\n\n\n\n\n\n\n\n
\uff08\u56f3\u886820\uff09
\n\u30de\u30ec\u30fc\u30b7\u30a2\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u985e\u578b\uff082013\u5e74\u5ea6\uff09<\/td>\n<\/tr>\n
\u30ab\u30fc\u30c9\u4e0d\u6b63\u306e\u30bf\u30a4\u30d7<\/th>\n\u5272\u5408<\/th>\n<\/tr>\n
\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8<\/td>\n61.9%<\/td>\n<\/tr>\n
\u901a\u4fe1\u8ca9\u58f2<\/td>\n5.2%<\/td>\n<\/tr>\n
\u30ab\u30fc\u30c9\u306e\u7d1b\u5931\u30fb\u76d7\u96e3<\/td>\n21.6%<\/td>\n<\/tr>\n
\u30ab\u30fc\u30c9\u507d\u9020<\/td>\n7.0%<\/td>\n<\/tr>\n
\u305d\u306e\u4ed6<\/td>\n4.3%<\/td>\n<\/tr>\n
\u51fa\u5178 \uff1a \u300eFinancial Stability and Payment Systems Report, 2013\u300fBank Negara Malaysia<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

CNP\uff08Card Not Present\uff09\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u5bfe\u7b56<\/h3>\n

e\u30b3\u30de\u30fc\u30b9\u306b\u304a\u3051\u308b\u30aa\u30f3\u30e9\u30a4\u30f3\u6c7a\u6e08\u3092\u4e2d\u5fc3\u3068\u3057\u305fCNP\uff08Card Not Present\uff09\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u304c\u3001\u30a2\u30e1\u30ea\u30ab\u3084\u30ab\u30ca\u30c0\u3001\u30a4\u30ae\u30ea\u30b9\u3001\u30d5\u30e9\u30f3\u30b9\u3001\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3001\u53f0\u6e7e\u3001\u30de\u30ec\u30fc\u30b7\u30a2\u306a\u3069\u3067\u8fd1\u5e74\u6025\u5897\u3057\u3066\u3044\u308b\u3053\u3068\u306f\u3053\u308c\u307e\u3067\u89e6\u308c\u3066\u304d\u305f\u3068\u304a\u308a\u3067\u3042\u308b\u3002\u30aa\u30f3\u30e9\u30a4\u30f3\u6c7a\u6e08\u3092\u4e2d\u5fc3\u3068\u3057\u305fCNP\uff08Card Not Present\uff09\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u306f\u3053\u3046\u3057\u305f\u56fd\u3005\u306e\u307f\u306a\u3089\u305a\u3001\u4e16\u754c\u7684\u50be\u5411\u3067\u3001\u56fd\u969b\u7684\u306a\u30da\u30a4\u30e1\u30f3\u30c8\u30ab\u30fc\u30c9\u306e\u7d71\u62ec\u6a5f\u95a2\u3067\u3042\u308bVisa\u3084MasterCard\u3092\u306f\u3058\u3081\u3068\u3057\u3066\u3001\u30a2\u30e1\u30ea\u30ab\u3084\u30a4\u30ae\u30ea\u30b9\u3001\u30d5\u30e9\u30f3\u30b9\u306a\u3069\u3067\u306fVisa\u306e\u300cVerified by VISA\u300d\u3084MasterCard\u306e\u300cMasterCard Secure Code\u300d\u3001American Express\u306e\u300cSafe Key\u300d\u3001JCB\u306e\u300cJ\/Secure\u300d\u3068\u3044\u3063\u305f3-D\u30bb\u30ad\u30e5\u30a2\u3001Visa\u306a\u3069\u306e\u300cCVV\uff08Card Verification Value\uff09\u300d\u3001MasterCard\u306e\u300cCVC\uff08Card Verification Code\uff09\u300d\u3068\u3044\u3063\u305f\u306e\u30ab\u30fc\u30c9\u8a8d\u8a3c\u30b3\u30fc\u30c9\u3001\u4f4f\u6240\u78ba\u8a8d\u30b5\u30fc\u30d3\u30b9\u306e\u300cAddress Verification Service\uff08AVS\uff09\u300d\u306a\u3069\u306eCNP\uff08Card Not Present\uff09\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u6c7a\u6e08\u306b\u304a\u3051\u308b\u30ab\u30fc\u30c9\u4e0d\u6b63\u5bfe\u7b56\u304c\u884c\u308f\u308c\u3066\u3044\u308b\u3002<\/p>\n

\u3053\u306e\u307b\u304b\u306b\u3001CyberSource\u306e\u300cDM\uff08Decision Manager\uff09\u300d\u3084Authorize.Net\u306e\u300cAFDS\uff08Advanced Fraud Detection Suite\uff09\u300d\u306a\u3069\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u691c\u51fa\u30c4\u30fc\u30eb\u30bd\u30d5\u30c8\u306e\u5c0e\u5165\u3084\u3001IC\u30ab\u30fc\u30c9\u3092\u7528\u3044\u305f\u4e8c\u8981\u7d20\u8a8d\u8a3c\u306e\u30ef\u30f3\u30bf\u30a4\u30e0\u30d1\u30b9\u30ef\u30fc\u30c9\u3068IC\u30ab\u30fc\u30c9\u30ea\u30fc\u30c0\u306b\u3088\u308bIC\u30ab\u30fc\u30c9\u3067\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u6c7a\u6e08\u306a\u3069\u3001\u3044\u308d\u3044\u308d\u306a\u53d6\u308a\u7d44\u307f\u304c\u884c\u308f\u308c\u3066\u3044\u308b\u3002
\nVisa\u306eCNP\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u5bfe\u7b56<\/p>\n

\u307e\u305f\u3001\u30a2\u30e1\u30ea\u30ab\u306b\u306fCasco Media\u30b0\u30eb\u30fc\u30d7\uff08\u5275\u696d\uff1a2010\u5e74\uff09\u304c\u904b\u55b6\u3059\u308bCNP\u30ab\u30fc\u30c9\u4e0d\u6b63\u5bfe\u7b56\u306e\u30dd\u30fc\u30bf\u30eb\u30b5\u30a4\u30c8\u201cCNP Card Not Present.COM\u201d\u304c\u3042\u308b\u3002\u540c\u793e\u306f \u201cCNP EXPO\u201d\u3068\u3044\u3046CNP\uff08Card Not Present\uff09\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u5bfe\u7b56\u306b\u95a2\u3059\u308b\u5c02\u9580\u5bb6\u3092\u5bfe\u8c61\u306b\u3057\u305f\u30ab\u30f3\u30d5\u30a1\u30ec\u30f3\u30b9\u3068\u95a2\u9023\u4e8b\u696d\u8005\u306e\u30d6\u30fc\u30b9\u304c\u51fa\u5c55\u3057\u305f\u30a8\u30ad\u30b7\u30d3\u30b7\u30e7\u30f3\u3092\u6bce\u5e74\u958b\u50ac\u3057\u3066\u3044\u308b\u3002\u201cCNP EXPO\u201d\u3067\u306f\u3001CNP\u30ab\u30fc\u30c9\u4e0d\u6b63\u5bfe\u7b56\u306b\u95a2\u3059\u308b\u512a\u308c\u305f\u30d7\u30ed\u30b0\u30e9\u30e0\u306a\u3069\u3092\u8868\u5f70\u3059\u308b\u201cCNP Award\u201d\u306e\u8868\u5f70\u3082\u884c\u308f\u308c\u3066\u3044\u308b\u3002<\/p>\n

\uff08\u56f3\u886821\uff09\u306f\u3001Visa\u306e\u201c\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8\u201d\u3084\u201c\u30c6\u30ec\u30d5\u30a9\u30f3\u30aa\u30fc\u30c0\u30fc\u201d\u3001\u201c\u30e1\u30fc\u30eb\u30aa\u30fc\u30c0\u30fc\u201d\u3068\u3044\u3063\u305fCNP\u306e\uff62\u30ab\u30fc\u30c9\u4e0d\u6b63\u306e\u4e88\u9632\u30c4\u30fc\u30eb\uff63\u3068\uff62\u30ab\u30fc\u30c9\u4e0d\u6b63\u691c\u51fa\u30b5\u30fc\u30d3\u30b9\uff63\u3092\u8868\u3057\u305f\u3082\u306e\u3067\u3042\u308b\u3002\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u6c7a\u6e08\u3067\u306f\u3001\uff62\u30a4\u30b7\u30e5\u30a2\u30c9\u30e1\u30a4\u30f3\uff63\u3068\uff62\u30a2\u30af\u30ef\u30a4\u30a2\u30e9\u30c9\u30e1\u30a4\u30f3\uff63\u3001\uff62\u76f8\u4e92\u904b\u7528\u30c9\u30e1\u30a4\u30f3\uff63\u306e3\u3064\u306e\u30c9\u30e1\u30a4\u30f3\u3092\u6307\u30593-D\u30bb\u30ad\u30e5\u30a2\u306e\u300cVerified by VISA\uff08VbV\uff09\u300d\u306e\u307b\u304b\u3001\u30ab\u30fc\u30c9\u8a8d\u8a3c\u30b3\u30fc\u30c9\u306e\u300cCard Verification Value 2\uff08CVV2\uff09\u300d\u3084\u4f4f\u6240\u78ba\u8a8d\u30b5\u30fc\u30d3\u30b9\u306e\u300cAddress Verification Service \uff08AVS\uff09\u300d\u3001\u30c7\u30fc\u30bf\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306e\u300cPCI DSS\uff08Payment Card Industry Data Security Standard\uff09\u300d\u3092\u7528\u3044\u305f\u300cAccount Information Security\uff08AIS\uff09\u30d7\u30ed\u30b0\u30e9\u30e0\u300d\u3068\u3044\u3063\u305f\u4e88\u9632\u30c4\u30fc\u30eb\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u3002\u306a\u304a\u3001\u4f4f\u6240\u78ba\u8a8d\u30b5\u30fc\u30d3\u30b9\u306e\u300cAVS\u300d\u306f\u73fe\u5728\u30a2\u30e1\u30ea\u30ab\u3001\u30ab\u30ca\u30c0\u3001\u30a4\u30ae\u30ea\u30b9\u306e\u307f\u3067\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u3002\u30c6\u30ec\u30d5\u30a9\u30f3\u30aa\u30fc\u30c0\u30fc\u306f\u3001\u300cVerified by VISA\uff08VbV\uff09\u300d\u3092\u9664\u304f\u3001\u300cCVV\u300d\u3001\u300cAVS\u300d\u306e2\u3064\u306e\u4e88\u9632\u30c4\u30fc\u30eb\u304c\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u307b\u304b\u3001\u30e1\u30fc\u30eb\u30aa\u30fc\u30c0\u30fc\u306e\u5834\u5408\u300cAVS\u300d\u306e\u307f\u3068\u306a\u3063\u3066\u3044\u308b\u304c\u3001\u4e00\u90e8\u306e\u901a\u8ca9\u4e8b\u696d\u8005\u306e\u30aa\u30fc\u30c0\u30fc\u30d5\u30a9\u30fc\u30e0\u306b\u306f\u300cCVV\u300d\u306b\u5bfe\u5fdc\u3057\u305f\u3082\u306e\u3082\u3042\u308b\u3002\u307e\u305f\u3001CNP\uff08Card Not Present\uff09\u306e\u4e0d\u6b63\u5bfe\u7b56\u3068\u3057\u3066\u3001\u30b5\u30fc\u30c9\u30d1\u30fc\u30c6\u30a3\u306eCyberSource\u306e\u300cDM\uff08Decision Manager\uff09\u300d\u3084\u300cManaged Risk Service\u300d\u3001Authorize.Net\u306e\u300cAFDS\uff08Advanced Fraud Detection Suite\uff09\u300d\u306a\u3069\u306e\u4e0d\u6b63\u691c\u51fa\u30c4\u30fc\u30eb\u30bd\u30d5\u30c8\u3092\u4f8b\u793a\u3057\u3066\u3044\u308b\u3002<\/p>\n\n\n\n\n\n\n\n\n
\uff08\u56f3\u886821\uff09
\nVISA\u306eCNP\u306b\u304a\u3051\u308b\u30ab\u30fc\u30c9\u4e0d\u6b63\u306e\u4e88\u9632\u30c4\u30fc\u30eb\u3068\u30b5\u30fc\u30c9\u30d1\u30fc\u30c6\u30a3\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u691c\u51fa\u30b5\u30fc\u30d3\u30b9<\/td>\n<\/tr>\n
<\/th>\nVbV<\/th>\nCVV<\/th>\nAVS<\/th>\nPCIDSS<\/th>\nDM<\/th>\nAFDS<\/th>\n<\/tr>\n
\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8<\/th>\n\u3007<\/td>\n\u3007<\/td>\n\u3007<\/td>\n\u3007<\/td>\n\u3007<\/td>\n\u3007<\/td>\n<\/tr>\n
\u30c6\u30ec\u30d5\u30a9\u30f3\u30aa\u30fc\u30c0\u30fc<\/th>\n<\/td>\n\u3007<\/td>\n\u3007<\/td>\n\u3007<\/td>\n\u3007<\/td>\n\u3007<\/td>\n<\/tr>\n
\u30e1\u30fc\u30eb\u30aa\u30fc\u30c0\u30fc<\/th>\n<\/td>\n<\/td>\n\u3007<\/td>\n\u3007<\/td>\n\u3007<\/td>\n\u3007<\/td>\n<\/tr>\n
\u51fa\u5178 \uff1a VISA<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

CyberSource\u306e\u4e0d\u6b63\u691c\u51fa\u30c4\u30fc\u30eb\u30bd\u30d5\u30c8<\/h3>\n

CyberSource\u306e\u300cDecision Manager\u300d\u306f\u3001\uff62\u30b0\u30ed\u30fc\u30d0\u30eb\u8a8d\u8a3c\u30b5\u30fc\u30d3\u30b9\uff63\u3084\uff62\u30d3\u30b8\u30cd\u30b9\u30eb\u30fc\u30eb\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\uff63\u3001\uff62\u30b1\u30fc\u30b9\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\uff63\u3001\u300c\u30ec\u30dd\u30fc\u30c6\u30a3\u30f3\u30b0\u6a5f\u80fd\uff63\u306a\u3069\u4e0d\u6b63\u5bfe\u7b56\u306e\u81ea\u52d5\u5316\u3084\u52b9\u7387\u5316\u306b\u5fc5\u8981\u306a\u6a5f\u80fd\u306e\u63d0\u4f9b\u304c\u53ef\u80fd\u3067\u3042\u308b\u3002\u307e\u305f\u3001Visa\u3068CyberSource\u306b\u3088\u308b600\u5104\u3082\u306e\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u306e\u30d3\u30c3\u30b0\u30c7\u30fc\u30bf\u306e\u89e3\u6790\u3084260\u4ee5\u4e0a\u306e\u30b0\u30ed\u30fc\u30d0\u30eb\u306a\u8a8d\u8a3c\u30c6\u30b9\u30c8\u3092\u5b9f\u65bd\u3057\u3001\u2460\u8cfc\u5165\u30d1\u30bf\u30fc\u30f3\u306e\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0\u3001\u2461IP\u30a2\u30c9\u30ec\u30b9\u306e\u5730\u7406\u7684\u4f4d\u7f6e\u306e\u89e3\u6790\u3001\u2462\u30dd\u30b8\u30c6\u30a3\u30d6\u30ea\u30b9\u30c8\u30fb\u30cd\u30ac\u30c6\u30a3\u30d6\u30ea\u30b9\u30c8\u3001\u2463VISA\u8a8d\u8a3c\u30b5\u30fc\u30d3\u30b9\u3084MasterCard Secure Code\u3001J\/Secure\u306a\u3069\u306e\u672c\u4eba\u8a8d\u8a3c\u30b5\u30fc\u30d3\u30b9\u3001\u2464CVV2\u3084CVC\u306a\u3069\u306e\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u30b3\u30fc\u30c9\u3001\u81ea\u793e\u30c7\u30fc\u30bf\u7528\u306e\u30ab\u30b9\u30bf\u30e0\u30d5\u30a3\u30fc\u30eb\u30c9\u3001\u2465\u30b0\u30ed\u30fc\u30d0\u30eb\u306a\u96fb\u8a71\u756a\u53f7\u691c\u8a3c\u30b5\u30fc\u30d3\u30b9\u3001\u2466\u30b0\u30ed\u30fc\u30d0\u30eb\u306a\u914d\u9001\u4f4f\u6240\u691c\u8a3c\u30b5\u30fc\u30d3\u30b9\u3001\u2467\u4e8b\u696d\u5f62\u614b\u3084\u5546\u54c1\u306b\u5408\u308f\u305b\u305f\u8907\u6570\u306e\u30b9\u30af\u30ea\u30fc\u30cb\u30f3\u30b0\u30d7\u30ed\u30d5\u30a1\u30a4\u30eb\u306e\u4f5c\u6210\u3068\u3044\u3063\u305f\u201c\u30d3\u30b8\u30cd\u30b9\u30e6\u30fc\u30b6\u30fb\u30eb\u30fc\u30eb\u7ba1\u7406\u30a4\u30f3\u30bf\u30fc\u30d5\u30a7\u30fc\u30b9\u201d\u3001\u2468\u9ad8\u5ea6\u306a\u30d7\u30ed\u30bb\u30b9\u5206\u6790\u3084\u30ec\u30dd\u30fc\u30c6\u30a3\u30f3\u30b0\u306a\u3069\u306e\u201c\u30b1\u30fc\u30b9\u30de\u30cd\u30fc\u30b8\u30e1\u30f3\u30c8\u30b7\u30b9\u30c6\u30e0\u201d\u3001\u2469\u7d50\u679c\u691c\u8a3c\u306b\u53ef\u80fd\u306a\u30ec\u30dd\u30fc\u30c6\u30a3\u30f3\u30b0\u2015\u2015\u306a\u3069\u591a\u5f69\u306a\u30ab\u30fc\u30c9\u4e0d\u6b63\u5bfe\u7b56\u30c4\u30fc\u30eb\u304c\u30e9\u30a4\u30f3\u30a2\u30c3\u30d7\u3055\u308c\u3066\u3044\u308b\u3002<\/p>\n

CNP\u4e0d\u6b63\u5bfe\u7b56\u3068\u3057\u3066\u306e\u4e8c\u8981\u7d20\u8a8d\u8a3c\u306e\u30ef\u30f3\u30bf\u30a4\u30e0\u30d1\u30b9\u30ef\u30fc\u30c9<\/h3>\n

CNP\u306b\u304a\u3051\u308b\u6b21\u4e16\u4ee3\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u5bfe\u7b56\u3068\u3057\u3066\u6ce8\u76ee\u3055\u308c\u3066\u3044\u308b\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u30c4\u30fc\u30eb\u304c\u3001\u3059\u3067\u306b\u591a\u304f\u306e\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8\u30d0\u30f3\u30ad\u30f3\u30b0\u3067\u5c0e\u5165\u3055\u308c\u3066\u3044\u308b\u4e8c\u8981\u7d20\u8a8d\u8a3c\u306e\u30ef\u30f3\u30bf\u30a4\u30e0\u30d1\u30b9\u30ef\u30fc\u30c9\uff08One-Time Password\uff08OTP\uff09\u3001\u4f7f\u3044\u6368\u3066\u30d1\u30b9\u30ef\u30fc\u30c9\uff09\u3067\u3042\u308b\u3002<\/p>\n

\u4e8c\u8981\u7d20\u8a8d\u8a3c\u3068\u306f\u3001\u7570\u306a\u308b\u8981\u7d20\u3092\u6301\u3064\u6709\u52b9\u306a\u8a8d\u8a3c\u65b9\u6cd5\u30922\u3064\u4ee5\u4e0a\u7d44\u307f\u5408\u308f\u305b\u305f\u5f37\u529b\u306a\u8a8d\u8a3c\u65b9\u6cd5\u3067\u3042\u308b\u3002\u8a8d\u8a3c\u65b9\u6cd5\u306e\u8981\u7d20\u306b\u306f\u3001PIN\uff08\u6697\u8a3c\u756a\u53f7\uff09\u3084\u30d1\u30b9\u30ef\u30fc\u30c9\u306a\u3069\u300e\u81ea\u5206\u3060\u3051\u304c\u77e5\u3063\u3066\u3044\u308b\u300f\uff08Know\uff09\u3001ID\u30ab\u30fc\u30c9\u306a\u3069\u306e\u300e\u81ea\u5206\u3060\u3051\u304c\u6301\u3063\u3066\u3044\u308b\u300f\uff08Has\uff09\u3001\u4e00\u90e8\u306eATM\u3067\u5c0e\u5165\u3055\u308c\u3066\u3044\u308b\u6307\u7d0b\u3084\u9759\u8108\u306a\u3069\u7167\u5408\u3068\u3044\u3063\u305f\u30d0\u30a4\u30aa\u30e1\u30c8\u30ea\u30af\u30b9\u306a\u3069\u306e\u300e\u81ea\u5206\u81ea\u8eab\u300f\uff08is\uff09\u306e3\u3064\u304c\u3042\u308b\u30022\u3064\u4ee5\u4e0a\u306e\u8981\u7d20\u3092\u7d44\u307f\u5408\u308f\u305b\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3001\uff624\u6841\u306ePIN\u30688\u6841\u306e\u30d1\u30b9\u30ef\u30fc\u30c9\u306e\u7167\u5408\uff63\u3084\uff62\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u3068\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u4e8c\u91cd\u7167\u5408\uff63\u3001\uff62\u6307\u7d0b\u3084\u9759\u8108\u306e\u7167\u5408\uff63\u3068\u3044\u3063\u305f\u3088\u3046\u306b\u540c\u3058\u8a8d\u8a3c\u306e\u8981\u7d20\u3092\u7e70\u308a\u8fd4\u3057\u7528\u3044\u3066\u3082\u5f37\u529b\u306a\u8a8d\u8a3c\u65b9\u6cd5\u3068\u306a\u308a\u5f97\u3048\u305a\u3001\u4e8c\u8981\u7d20\u8a8d\u8a3c\u3068\u306f\u8a00\u3048\u306a\u3044\u3002EMV IC\u30ab\u30fc\u30c9\u3068\u30cf\u30f3\u30c9\u30d8\u30eb\u30c9\u30b9\u30de\u30fc\u30c8\u30ab\u30fc\u30c9\u30ea\u30fc\u30c0\u30fc\u3068\u306e\u7d44\u307f\u5408\u308f\u305b\u306b\u3088\u308b\u30ef\u30f3\u30bf\u30a4\u30e0\u30d1\u30b9\u30ef\u30fc\u30c9\u306b\u3088\u308b\u8a8d\u8a3c\u306f\u3001\u30d1\u30b9\u30ef\u30fc\u30c9\u751f\u6210\u904e\u7a0b\u306b\u304a\u3044\u3066\u81ea\u5df1\u306eIC\u30ab\u30fc\u30c9\uff08Has\uff09\u306ePIN\uff08Know\uff09\u3092\u5165\u529b\u3059\u308b\u4e8c\u8981\u7d20\u8a8d\u8a3c\u3067\u3042\u308b\u3002<\/p>\n

\u4e8c\u8981\u7d20\u8a8d\u8a3c\u306e\u30ef\u30f3\u30bf\u30a4\u30e0\u30d1\u30b9\u30ef\u30fc\u30c9\u306b\u306f\u201c\u6642\u523b\u540c\u671f\u578b\u201d\u3084\u201c\u30c1\u30e3\u30ec\u30f3\u30b8\u578b\u201d\u3001\u201c\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u8a8d\u8a3c\u578b\u201d\u3001SMS\uff08Short Message Service\uff09\u578b\u306a\u3069\u3044\u304f\u3064\u304b\u306e\u30bf\u30a4\u30d7\u304c\u3042\u308b\u3002\u30c1\u30e3\u30ec\u30f3\u30b8\u578b\u306f\u3001\u6642\u523b\u540c\u671f\u578b\u306b\u30d7\u30e9\u30b9\u3057\u3066\u30c8\u30fc\u30af\u30f3\u306a\u3069\u306bEMV IC\u30ab\u30fc\u30c9\u306ePIN\uff08\u6697\u8a3c\u756a\u53f7\uff09\u3092\u5165\u529b\u3059\u308b\u3053\u3068\u306b\u3088\u308a\u5f37\u56fa\u306a\u8a8d\u8a3c\u3092\u884c\u3046\u3082\u306e\u3067\u3001EMV IC\u30ab\u30fc\u30c9\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3092\u7528\u3044\u305f\u30ef\u30f3\u30bf\u30a4\u30e0\u30d1\u30b9\u30ef\u30fc\u30c9\u306b\u7528\u3044\u3089\u308c\u3066\u3044\u308b\u3002<\/p>\n

MasterCard\u30c1\u30c3\u30d7\u8a8d\u8a3c\u30d7\u30ed\u30b0\u30e9\u30e0\uff08CAP\uff09<\/h3>\n

MasterCard\u3067\u306f\u3001EMV IC\u30ab\u30fc\u30c9\u3092\u7528\u3044\u305f\u30ef\u30f3\u30bf\u30a4\u30e0\u30d1\u30b9\u30ef\u30fc\u30c9\u306b\u3088\u308b\u4e8c\u8981\u7d20\u8a8d\u8a3c\u306b\u3088\u308b\u8a8d\u8a3c\u624b\u7d9a\u304d\u3068\u306a\u308b\uff62\u30c1\u30c3\u30d7\u8a8d\u8a3c\u30d7\u30ed\u30b0\u30e9\u30e0\uff63\uff08CAP\uff09\u3092\u201cOne Smart Authentication\u201d\uff081\u3064\u306e\u30b9\u30de\u30fc\u30c8\u8a8d\u8a3c\uff09\u3068\u3057\u30662003\u5e74\u6765\u7d99\u7d9a\u3057\u3066\u958b\u767a\u3057\u3066\u3044\u308b\u3002MasterCard\u306eCAP\u306b\u3088\u308b\u8a8d\u8a3c\u306f\u3001EMV\u30b9\u30bf\u30f3\u30c0\u30fc\u30c9\u306e\u30da\u30a4\u30e1\u30f3\u30c8\u30ab\u30fc\u30c9\u3092\u7528\u3044\u3001\u5c02\u7528\u306eIC\u30ab\u30fc\u30c9\u30ea\u30fc\u30c0\u3092\u4ecb\u3057\u3066\u3001\u30ed\u30b0\u30a4\u30f3\u8a8d\u8a3c\u3084\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u8a8d\u8a3c\u306b\u7528\u3044\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u30ef\u30f3\u30bf\u30a4\u30e0\u30d1\u30b9\u30ef\u30fc\u30c9\u3067\u3001\u751f\u6210\u3055\u308c\u305f\u30ef\u30f3\u30bf\u30a4\u30e0\u30d1\u30b9\u30ef\u30fc\u30c9\u306f\u201cCAP\u30c8\u30fc\u30af\u30f3\u201d\u3068\u547c\u3070\u308c\u3001CAP\u30c8\u30fc\u30af\u30f3\u3092\u691c\u8a3c\u3059\u308b\u30d0\u30c3\u30af\u30a8\u30f3\u30c9\u8a8d\u8a3c\u30b5\u30fc\u30d0\u306fCTVS\uff08CAP\u30c8\u30fc\u30af\u30f3\u691c\u8a3c\u30b5\u30fc\u30d3\u30b9\uff09\u3068\u547c\u3070\u308c\u3066\u3044\u308b\u3002<\/p>\n

EMV IC\u30ab\u30fc\u30c9\u3092\u30cf\u30f3\u30c9\u30d8\u30eb\u30c9IC\u30ab\u30fc\u30c9\u30ea\u30fc\u30c0\u306b\u633f\u5165\u3057\u3001IC\u30ab\u30fc\u30c9\u30ea\u30fc\u30c0\u306e\u30c6\u30f3\u30ad\u30fc\u3067\u30ab\u30fc\u30c9\u306ePIN\uff08\u6697\u8a3c\u756a\u53f7\uff09\u3092\u5165\u529b\u3059\u308b\u3068\u30ef\u30f3\u30bf\u30a4\u30e0\u30d1\u30b9\u30ef\u30fc\u30c9\u3092\u751f\u6210\u3057\u3001\u3053\u306e\u30ef\u30f3\u30bf\u30a4\u30e0\u30d1\u30b9\u30ef\u30fc\u30c9\u3092\u7528\u3044\u3066CNP\u74b0\u5883\u3067\u5b89\u5168\u306a\u30aa\u30f3\u30e9\u30a4\u30f3\u30b7\u30e7\u30c3\u30d4\u30f3\u30b0\u3092\u884c\u3046\u3082\u306e\u3067\u3001\u30ef\u30f3\u30bf\u30a4\u30e0\u30d1\u30b9\u30ef\u30fc\u30c9\u306f\u3001\u30a6\u30a7\u30d6\u30de\u30fc\u30c1\u30e3\u30f3\u30c8\u306e\u30c1\u30a7\u30c3\u30af\u30a2\u30a6\u30c8\u30da\u30fc\u30b8\u4e0a\u306e\u9069\u5207\u306a\u30d5\u30a3\u30fc\u30eb\u30c9\u306b\u5165\u529b\u3055\u308c\u308b\u3068\u3001\u201cMasterCard Secure Code\u201d\u306e\u30c7\u30fc\u30bf\u30c8\u30e9\u30f3\u30b9\u30dd\u30fc\u30c8\u30a4\u30f3\u30d5\u30e9\u30b9\u30c8\u30e9\u30af\u30c1\u30e3\u3092\u4f7f\u7528\u3057\u3066\u8a8d\u8a3c\u3059\u308b\u305f\u3081\u306b\u30a4\u30b7\u30e5\u30a2\u306b\u9001\u4fe1\u3055\u308c\u308b\u3002<\/p>\n

\u30c7\u30a3\u30b9\u30d7\u30ec\u30a4IC\u30ab\u30fc\u30c9\u306b\u3088\u308b\u4e8c\u8981\u7d20\u8a8d\u8a3c<\/h3>\n

EMV\u30b9\u30bf\u30f3\u30c0\u30fc\u30c9\u306eIC\u30ab\u30fc\u30c9\u3092\u7528\u3044\u305f\u4e8c\u8981\u7d20\u8a8d\u8a3c\u306b\u3088\u308b\u8a8d\u8a3c\u65b9\u6cd5\u3068\u3057\u3066\u3001MasterCard\u306e\u30c1\u30c3\u30d7\u8a8d\u8a3c\u30d7\u30ed\u30b0\u30e9\u30e0\uff08CAP\uff09\u306e\u3088\u3046\u306a\u30cf\u30f3\u30c9\u30d8\u30eb\u30c9IC\u30ab\u30fc\u30c9\u30ea\u30fc\u30c0\u3092\u7528\u3044\u305a\u3001\u30b3\u30f3\u30bf\u30af\u30c8IC\u30ab\u30fc\u30c9\u306b\u6db2\u6676\u306e\u5c0f\u3055\u306a\u30c7\u30a3\u30b9\u30d7\u30ec\u30a4\u8868\u793a\u753b\u9762\u3068\u64cd\u4f5c\u30dc\u30bf\u30f3\u3092\u6709\u3059\u308b\u201c\u30c7\u30a3\u30b9\u30d7\u30ec\u30a4IC\u30ab\u30fc\u30c9\u201d\u304c\u30b9\u30a4\u30b9\u3068\u30a2\u30e1\u30ea\u30ab\u306b\u30aa\u30d5\u30a3\u30b9\u3092\u7f6e\u304fnagraID Security\u3084IC\u30ab\u30fc\u30c9\u30e1\u30fc\u30ab\u5927\u624b\u306eGemalto\u793e\u3001\u65e7Aladdin\u793e\u3092\u8cb7\u53ce\u3057\u305fSafeNet\u793e\u306a\u3069\u306b\u3088\u3063\u3066\u958b\u767a\u3055\u308c\u3066\u3044\u308b\u3002<\/p>\n

\u201c\u30c7\u30a3\u30b9\u30d7\u30ec\u30a4IC\u30ab\u30fc\u30c9\u201d\u3092\u7528\u3044\u305f\u4e8c\u8981\u7d20\u8a8d\u8a3c\u306b\u3088\u308b\u8a8d\u8a3c\u65b9\u6cd5\u306f\u3001\u30c8\u30fc\u30af\u30f3\u578b\u306e\u30ef\u30f3\u30bf\u30a4\u30e0\u30d1\u30b9\u30ef\u30fc\u30c9\u751f\u6210\u6a5f\u3068\u540c\u3058\u6642\u523b\u540c\u671f\u306b\u3088\u308b\u8a8d\u8a3c\u6a5f\u80fd\u3067\u3001\u30da\u30a4\u30e1\u30f3\u30c8\u30ab\u30fc\u30c9\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u6c7a\u6e08\u306e\u307b\u304b\u3001\u30aa\u30f3\u30e9\u30a4\u30f3\u30d0\u30f3\u30ad\u30f3\u30b0\u30a2\u30af\u30bb\u30b9\u3084\u30c6\u30ec\u30d5\u30a9\u30f3\u30d0\u30f3\u30ad\u30f3\u30b0\u30a2\u30af\u30bb\u30b9\u306a\u3069\u3082\u53ef\u80fd\u3067\u3001\u822a\u7a7a\u4f1a\u793e\u306eFFP\uff08\u30d5\u30ea\u30fc\u30af\u30a8\u30f3\u30c8\u30fb\u30d5\u30e9\u30a4\u30e4\u30fc\u30ba\u30fb\u30d7\u30ed\u30b0\u30e9\u30e0\uff09\u3084\u6cd5\u4eba\u30ab\u30fc\u30c9\u306eVPN\uff08Virtual Private Network\uff09\u306e\u3088\u3046\u306b\u7b2c\u4e09\u8005\u3078\u306e\u30a2\u30af\u30bb\u30b9\u5229\u7528\u3082\u53ef\u80fd\u3068\u3057\u3066\u3044\u308b\u3002<\/p>\n

\uff0a\u6d77\u5916\u306eCNP\uff08Card Not Present\uff09\u306a\u3069\u306e\u8a73\u3057\u3044\u30ab\u30fc\u30c9\u4e0d\u6b63\u5bfe\u7b56\u306b\u3064\u3044\u3066\u306f\u3001TI\u30d7\u30e9\u30f3\u30cb\u30f3\u30b0\u3088\u308a2014\u5e741\u6708\u306b\u520a\u884c\u3055\u308c\u305f\u300e\u4e16\u754c\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u6c7a\u6e08\u30fb\u4e0d\u6b63\u5229\u7528\u5bfe\u7b56\u5e02\u5834\u8981\u89a7\u300f\uff08\u5b9a\u4fa19\u4e07\u5186\uff08\u7a0e\u629c\uff09\uff09\u3092\u53c2\u7167\u3055\u308c\u305f\u3044\u3002<\/p>\n

\u25a0\u4e16\u754c\u306e\u4e0d\u6b63\u306e\u52d5\u5411\u3092\u7db2\u7f85\u3057\u305f\u4e0b\u8a18\u306e\u30ec\u30dd\u30fc\u30c8\u3067\u306f\u3001\u3088\u308a\u8a73\u7d30\u306a\u60c5\u5831\u3092\u7d39\u4ecb\u3057\u3066\u3044\u307e\u3059\u3002
\n\u66f8\u7c4d\u300c\u4e16\u754c\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u6c7a\u6e08\u30fb\u4e0d\u6b63\u5229\u7528\u5bfe\u7b56\u5e02\u5834\u8981\u89a7\u300d<\/strong><\/span><\/a>
\uff5e\u4e16\u754c\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u6c7a\u6e08\u30b5\u30fc\u30d3\u30b9\u3001\u30ab\u30fc\u30c9\u4e0d\u6b63\u3001CNP\u3092\u5fb9\u5e95\u7db2\u7f85\uff5e<\/a>
\n<\/a>\"20150508cnp\"<\/a>
\n<\/a><\/strong><\/span><\/p>\n

\u5927\u7279\u96c6\u300c\u30ab\u30fc\u30c9\u6c7a\u6e08\uff06\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306e\u3059\u3079\u3066\u300d\u306e\u7d39\u4ecb\u30da\u30fc\u30b8\u3078<\/a><\/p>\n

\"paymentcardsecurity\"<\/a><\/p>\n

 <\/p>","protected":false},"excerpt":{"rendered":"

2015\u5e745\u67088\u65e57:11 \u6d77\u5916\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u5229\u7528\u306e\u5b9f\u614b\u3068\u305d\u306e\u5bfe\u7b56\u306e\u52d5\u5411\uff083\uff09 \u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3001\u30a2\u30b8\u30a2\u3001CNP\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u52d5\u5411 \u6d77\u5916\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u5229\u7528\u306e\u5b9f\u614b\u3068\u305d\u306e\u5bfe\u7b56\u306e\u52d5\u5411\uff081\uff09 \u6d77\u5916\u306e\u30ab\u30fc\u30c9\u4e0d\u6b63\u5229\u7528\u306e\u5b9f\u614b\u3068\u305d\u306e\u5bfe\u7b56\u306e\u52d5\u5411\uff08 […]<\/p>\n","protected":false},"author":8357,"featured_media":47919,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_wp_convertkit_post_meta":{"form":"-1","landing_page":"0","tag":"0","restrict_content":"0"},"sns_share_botton_hide":"","vkExUnit_sns_title":"","_vk_print_noindex":"","veu_display_promotion_alert":"","footnotes":""},"categories":[37,29,11,36,1,13],"tags":[],"kanren_tag":[],"class_list":["post-47914","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-focus01","category-pcidss05","category-pcidss","category-closeup","category-paymentnews","category-paymentnews01"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t