The government’s scheme to get everyone in Japan, Japanese national and foreign resident alike, to apply for a My Number card has been plagued by problems. The aim of the My Number system is to assign a unique number to every person in Japan that the government can use for all national bureaucratic functions, much like the U.S. social security number, and the cards will be digital instruments that can connect to these functions. Though there had been a certain level of resistance to the scheme owing to citizens’ mistrust of the way the government handles personal data, a majority of people have signed up, many after the government started rewarding points for doing so that could be used for limited purchases. But as it happened, the original fear was realized: Many of the problems with the actual usage of the cards are related to the inadvertent leaking of personal information to the wrong people, though the number of actual cases has been low.
The one problem that has been enormous, however, has to do with bank accounts that were linked digitally to My Number cards. Almost 55 million people registered their bank accounts with their My Number cards, and about 130,000 of these were registered to the wrong bank accounts, but not because of a glitch in the system or mistakes by government functionaries. In almost all the cases, the bank accounts were registered to a parent of the card-holder, not the card-holder themself. According to the rules, the bank account registered for a specific card must be in the name of the card-holder, because it will be used by the government to deposit funds—tax refunds, government handouts, etc.—to the card-holder as an individual. According to an editorial in the Japan Times, “Digital Minister Taro Kono has called on persons who have linked their accounts to those of their children…to change the registration by the end of September, noting that payments will not be made to bank accounts of people other than registered recipients.”
If you are like me, this particular problem is confusing, since it not only presupposes that a child of any age is expected to apply for their own My Number card, but that they are also expected to have their own individual bank account. Of course, children can have bank accounts set up for them by their parents or guardians, as is often the case, but under what circumstances would the government transfer funds to these accounts? Minors don’t file tax returns and government handouts usually go to households, not individuals. Most likely, the parents who registered their children for My Number cards did so to take advantage of the reward points offered to promote the system, since making an application would earn the applicant 20,000 points. But while these points can be used to purchase goods and services from participating retailers and local business groups, they are not cash, and thus cannot be deposited into a bank account. Another aspect of this problem is the effectiveness of making a My Number card for a child. Even infants can apply for a card since they are assigned numbers, but if you have one you know that not only do you have to create a password to use the card, but that it contains a photo of the holder and also seems to require a signature. In principle, the cards are renewed once every ten years, but apparently the renewal period is much shorter for a child, which makes sense with regard to the photo but also sounds like a pain in the neck.
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