POS machines and credit cards are all accounts in their own names, which are easily found by banks. Once found, it is confirmed as cash. There are monitoring data of each customer's consumption in the background of the bank. Once the cashing behavior is verified, the credit card will be closed or interest will be reduced, and even included in the personal credit information system. In addition, if it is code hopping or optional POS, only the name of the merchant when swiping the card will be displayed on the credit card bill.