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Since its inception, JCB has strived to be much more than a credit card company. Our range of services grows each year to provide our customers worldwide with the safest and easiest payment system possible.

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J/Smart™ - The Smart Card Solution -

Smart card is the new emerging technology, which may be a shield against counterfeiting and is a strategic arm for the expansion of capabilities and services. JCB is working towards an efficient migration to smart cards in alliance with our partners worldwide to ensure that JCB cardmembers may take full advantage of the high level of security and multi-functionalities that smart card technology offers.

Smart Card Provides a High Level of Security and Multi-functionalities.

Secure & Multi-functional Smart Card PIN Verification Offers High Level Security
Secure & Multi-functional Smart Card PIN Verification Offers High Level Security

The smart card is embedded with an IC (Integrated Circuit) chip, a tiny computer chip with high functionality and excellent capacity. The computing function enables this secure and multi-functional card to provide brand-new services that no other conventional credit card can.

The Smart Card can Provide Diverse Services.

The Smart Card can Provide Diverse Services

The smart card's unique computing functions and large memory capacity make it possible for a single card to perform a wide range of functions going beyond payment and financial services such as credit or cash advances to include ETC (electronic toll collection), loyalty programs, public transport fare payment and E-purse. Applications for the Internet, digital satellite broadcasting, mobile phones and mobile terminals are also possible.
JCB is committed to making the most of its smart card expertise to provide a wide variety of services over and above credit payment to meet the demands of our customers.

JCB's Smart Card Transaction Specifications: J/Smart

JCB Card

As an international payment brand, JCB has designed its own J/Smart credit application which is compliant with ISO 7816 standard and EMV Specification.

ISO7816 compliant

ISO7816 compliant
  • IC chip contact points
  • Card size
  • File structure
  • Command/Security data conversion method

ISO7816(*1) is to define basic parts the contact smart card without regard to specific applications.

*1 ISO=International Organization for Standardization

EMV Specification(*2) compliant

EMV Specification compliant
  • De facto standard of smart card transactions for credit/debit card payments.
  • Specification with financial transaction functions in addition to ISO7816 base specification.
  • Defining minimum requirements.
  • Ensuring compatibility of fundamentals of financial transactions.

*2 EMV Specification is a set of international specifications for smart card transaction processing defined by EMVCo.

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JCB, Co., Ltd. Brand Infrastructure & Technologies Departmentâ…¡:

*We apologize in advance if we may not be able to answer some of your queries.

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