1. The plaintiffs' claims against the defendants are all dismissed.

2. The costs of lawsuit are assessed against the plaintiffs.

1. Basic facts

A. 1) The Defendant Bar Card Co., Ltd. is a corporation running business such as the issuance, sale, management, etc. of credit cards or pre-paid cards (hereinafter “Defendant Bar Card”).

Defendant A Co., Ltd. (hereinafter “Defendant A”).

(2) The Plaintiffs are those who have used or used a credit card, etc. upon entering into a contract for the use of and financial transaction with Defendant Barun Card and a credit card, etc., under the Credit Information Use and Protection Act.

B. The concept of the card accident analysis system and the introduction card accident analysis system (hereinafter “FDS”) are introduced by all domestic credit card companies as a system to detect abnormal or fraudulent use due to the theft, loss, forgery, etc. of a credit card. According to FDS, an analysis model is made based on statistical methods using large amount of card use information and relevant customer information based on the past accident transaction and based on this, if it is discovered that a credit card transaction has occurred according to the statistical analysis pattern, the card approval is refused.

C. The Defendant Bar Card’s 1 FDS development services contract and Defendant Bar Card’s fDS provision of card customer information have been introducing FDS around 2006 to implement the fD and requested B or Defendant A to provide fD business services on a regular basis.

C As an employee of “B” from October 2009 to April 2010, Defendant A’s employee from September 2013 to December 2013, 200, the said company engaged in the work in the development and installation of FDS entrusted by Defendant Bar Card, while engaging in the work in the FDS development process.