Glossary of terms commonly used in the Wallet

Terms starting from P

4 Information


A passphrase is a string of characters that you set to confirm your identity, like a password.

Personal Credit Information Center

The Personal Credit Information Center is an organization that records and manages personal credit information in order to facilitate consumer credit. Personal credit information includes one’s attributes, credit card and cash advance contract status, and transaction status such as borrowing and repayment.


Phishing is a method of stealing personal information, such as credit card numbers, passwords, and account information, by sending an email pretending to be from a financial institution and inducing the recipient to click on a URL on the site, which is then used as a fake site pretending to be from that financial institution.


Pre-authorization is the act of obtaining permission in advance to use an amount in excess of the credit card’s established limit. Once pre-authorization is obtained, the amount exceeding the credit limit can be used. This is mainly used for high-cost purchases and overseas travel.

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