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Introduction to Tokenization

Introduction to Tokenization

2017/7/28 の "#idcon vol.23 ~ 明日の銀行APIより今日のクレカ決済" の発表で利用した資料です。

https://idcon.connpass.com/event/59896/

Aa838e57e1ed074cf16b1779c34d1c94?s=128

Kenichi Takano

July 28, 2017
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  1. *OUSPEVDUJPOUP 5PLFOJ[BUJPO JEDPOWPM

  2. ɾ,FOJDIJ5BLBOP !LFLFUB  ɾ#"4& *OD1":%JWJTJPO.BOBHFS ɾ1":+1 1BZNFOUGPS.FSDIBOUT  IUUQTQBZKQ ɾ1":*%

    1BZNFOUGPS$VTUPNFST  IUUQTJEQBZKQ 8IP
  3. TPVSDFIUUQTQBZKQ

  4. TPVSDFIUUQTJEQBZKQ

  5. TPVSDFIUUQTJEQBZKQBQQ

  6. "HFOEB w 5PLFOJ[BUJPOͱ͸Կ͔ʁ w 5PLFOJ[BUJPO֤ϓϨΠϠʔ෼ྨ w ·ͱΊ

  7. 8IBUJT5PLFOJ[BUJPO w Χʔυ൪߸Λଞͷσʔλ 5PLFO ʹஔ͖׵͑ͯॲཧΛ ߦ͏͜ͱ w 5PLFO୯ମͰ͸ҙຯΛ΋ͨͳ͍ͨΊɺෆਖ਼ܾࡁʹ͸ར༻ Ͱ͖ͳ͍ w

    ճ੾Γར༻ɺෳ਺ճར༻ͳͲɺ໨త΍֤ܾࡁϓϨΠ ϠʔͷϙδγϣϯʹԠͯ͡༻్͸ଟ༷
  8. 8IZ5PLFOJ[BUJPO w Χʔυ࿙Ӯࣄނ૿ՃʹΑΔηΩϡϦςΟχʔζͷߴ·Γ w Χʔυඇอ࣋PS1$*%44ٛ຿ԽʹΑΔՃໍళෛ୲ܰݮ ೔ຊΫϨδοτڠձʹΑΔʮ࣮ߦܭըʯ  w "OESPJE1BZ "QQMF1BZͳͲηΩϡϦςΟɾ69Λ૒ํ

    ʹ޲্ͤ͞Δ৽ͨͳܾࡁػೳͷ࢓૊Έ
  9. 1$*%44 w ΧʔυϒϥϯυͰ͋Δ"NFSJDBO&YQSFTT %JTDPWFS  +$# .BTUFS$BSE 7JTBʹΑͬͯઃཱ͞Εͨʮ1$*44$ʯ ʹࡦఆ͞ΕͨάϩʔόϧηΩϡϦςΟج४ w

    ཁ݅ʙҎ্ͷ؂߲ࠪ໨Λຬ্ͨͨ͠ɺ೥ճ ͷ24"ʹΑΔ๚໰؂ࠪରԠ͕ඞཁ w 1":+1͸1$*%44WFSTJPO ݱࡏͰ࠷৽ ʹ׬શ४ڌ TPVSDFIUUQTQBZKQTFDVSJUZ
  10. 1$*%444"2 w ๚໰؂ࠪͳ͠Ͱɺࣗݾ໰਍ʹΑΓ४ڌΛূ໌͢Δํ๏ SAQ A SAQ A-EP ֓ཁ ඇର໘ܾࡁ(ΦϯϥΠϯ/ϝʔϧ/ి࿩)ʹ͓͍ ͯɺΧʔυ൪߸ʹ͔͔Δશͯͷॲཧ(ॲཧɺอ

    ؅ؚΉ)ΛPSPʹҕୗ͍ͯ͠Δࣄۀऀ ΦϯϥΠϯऔҾʹ͓͍ͯɺࢧ෷͍ʹ͔͔Δ ॲཧΛPSPʹҕୗ͍ͯ͠Δࣄۀऀ(Χʔυ൪ ߸ͷॲཧɺอ؅͸͠ͳ͍) ܾࡁྫ ϦϯΫܕܾࡁ PSP͔Β഑৴͞ΕΔiframe্Ͱͷܾࡁ ࣗલͷϑΥʔϜ͔Β ௚઀PSP API΁ϦΫΤετܾͯ͠ࡁ ཁٻ ਺10Ҏ಺ͷཁ݅
 ASVεΩϟϯɺϖωτϨʔγϣϯςετෆཁ 200ఔ౓ͷཁ݅ ASVεΩϟϯɺϖωτϨʔγϣϯςετඞਢ
  11. 5PLFOJ[BUJPOͷ෼ྨ

  12. 5PLFOJ[BUJPO෼ྨ w ՄٯෆՄٯɺճ੾Γར༻ෳ਺ճར༻ w ࣄۀऀؒͷؔ܎ੑ΍ίϯςΫετʹΑΓ༻్͸͞·͟· Մٯ ෆՄٯ 1ճ੾Γར༻ ෳ਺ճར༻

  13. ֤ϓϨΠϠʔͷ੔ཧ ϒϥϯυ ΞΫϫΠΞϥ ΠγϡΞ ڞಉNW PSP ໾ׂ ϥΠηϯεɾωοτ ϫʔΫఏڙɺϨΪϡ Ϩʔγϣϯࡦఆ

    Ճໍళ৹ࠪɾ؅ཧ औҾ؅ཧ Χʔυൃߦ ༩৴ɾऔҾ؅ཧ ڞಉܾࡁNWఏڙ ܾࡁॲཧ୅ߦ ྫ Visa, MasterCard, JCB ࡾҪॅ༑Χʔυ, JCB ࡾҪॅ༑Χʔυ, JCB CAFIS CARDNET PAY.JP Stripe
  14. ΫϨδοτΧʔυܾࡁϑϩʔ ߪೖऀ Ճໍళ 141 ڞಉ/8 ϒϥϯυ ΞΫϫΠΞϥ ΠγϡΞ ڞಉ/8 ΦϯΞεऔҾ

    Ճໍళܖ໿ แׅՃໍళܖ໿Ͱ141ͱܖ໿ ͢Δέʔε΋༗Γ
  15. ߪೖऀ Ճໍళ 141 ڞಉ/8 ϒϥϯυΠγϡΞΞΫϫΠΞϥ ϦϯΫJGSBNFܾࡁϑΥʔϜදࣔ ߪೖը໘ͳͲදࣔ Χʔυձһ৘ใΛૹ৴ ೝূॲཧ ೝূ݁Ռ

    ෆՄٯτʔΫϯΛฦ٫ τʔΫϯʹͯ͠อଘ ೝূॲཧ Ճໍళɾ141ؒͷ5PLFOJ[BUJPOϑϩʔᶃ w Ճໍళ͕Χʔυ൪߸ʹ৮Εͣʹ141ίϯςΫετʹ͓͚ΔෆՄ ٯτʔΫϯΛੜ੒
  16. w Ճໍళ͕141ίϯςΫετʹ͓͚ΔෆՄٯτʔΫϯΛ࢖ܾͬͯࡁ ϦΫΤετ ߪೖऀ 141 ڞಉ/8 ϒϥϯυΠγϡΞΞΫϫΠΞϥ ߪೖ֬ೝը໘ͳͲ ܾࡁϦΫΤετ ॲཧ݁ՌPL

    1"/Λ෮߸ ܾࡁϦΫΤετ ܾࡁϦΫΤετ ෆՄٯτʔΫϯͰ ɹܾࡁϦΫΤετ ੒ޭϨεϙϯε ߪೖ׬ྃ Ճໍళ Ճໍళɾ141ؒͷ5PLFOJ[BUJPOϑϩʔᶄ
  17. w 1$*%44ཁ݅ʮอଘ͞ΕΔΧʔυձһσʔλͷอޢʯ w $%& DBSEIPMEFSEBUBFOWJSPONFOU ʹΑΔ/8੍ޚ w '8ΞΫηε੍ݶɺηΩϡΞͳ௨৴ɺೝূػߏɺڧݻͳ҉߸ ԽΛ༻͍ͨσʔλ҉߸Խݤɾݤ҉߸ԽݤʹΑΔ҉߸ԽͳͲ 141಺ͷ5PLFOJ[BUJPOϑϩʔ

    141 141`T$%& ݤ҉߸Խݤ  ՄٯτʔΫϯ͔ΒΧʔ υ൪߸Λ໰͍߹Θͤ ݤ҉߸Խݤ ɹ໰͍߹Θͤ ݤ҉߸Խݤͷฦ٫ σʔλ҉߸Խݤͷ෮߸ σʔλ҉߸ԽݤʹΑΔΧʔυ൪߸෮߸ Χʔυ൪߸෮߸ ܾࡁॲཧ
  18. w 1$*%44ཁ݅ʮอଘ͞ΕΔΧʔυձһσʔλͷอޢʯ Ұ෦/"  w 141͕Χʔυอ؅Λ࣮ࢪ্ͤͣྲྀ141΁ҕୗ͢Δύλʔϯ 141ɾ্ྲྀؒͷ5PLFOJ[BUJPOϑϩʔ 141 ্ྲྀ141 ্ྲྀ141`T$%&

     ෆՄٯτʔΫϯʹͯ ܾࡁϦΫΤετ ՄٯτʔΫϯ͔Β ɹΧʔυ൪߸໰͍߹Θͤ ҉߸Խݤͷ࢓૊ΈͰ෮߸ॲཧ Χʔυ൪߸෮߸ ܾࡁॲཧ
  19. w ΠγϡΞʔΛհͨ͠5PLFOJ[BUJPOॲཧΛ׆༻ͨ͠εϚ ϗܾࡁ w ୺຤ʹ͸Χʔυ൪߸͸࢒ΒͣɺτʔΫϯԽ͞ΕͨΧʔυ ൪߸ܗࣜͷจࣈྻ͕ѻΘΕΔ w Ұ෦ͰطଘͷΫϨδοτΧʔυܾࡁ/8Λྲྀ༻ w ผ్ܾࡁγεςϜͱͷ࿈ܞ͕ඞཁ

    1":+1Ͱ͸ݱঢ় "QQMF1BZʹରԠ "OESPJE1BZ "QQMF1BZ TPVSDFIUUQTQBZKQBQQMFQBZ
  20. "QQMF1BZܾࡁϑϩʔ *O"QQ ߪೖऀ Ճໍళ 141 ڞಉ/8 ΠγϡΞ 541ϒϥϯυ "QQMF ΞΫϫΠΞϥ

  21. ߪೖऀ ΠγϡΞ 541ϒϥϯυ "QQMF Χʔυొ࿥ϦΫΤετ τʔΫϯϦΫΤετ τʔΫϯϦΫΤετ τʔΫϯ࡞੒ τʔΫϯ࡞੒ τʔΫϯͱ෇ਵ͢Δ

    ɹ৘ใΛฦ͢ ΢ΥϨοτ΁ͷొ࿥׬ྃ "QQMFɾΠγϡΞʔؒͷ5PLFOJ[BUJPOϑϩʔ w ΠγϡΞʔΛհͯ͠ɺΧʔυ൪߸Λ%FWJDFBDDPVOU OVNCFSͱ͍͏Χʔυ൪߸ܗࣜͷτʔΫϯ΁ஔ׵
  22. Ճໍళɾ141ؒͷ5PLFOJ[BUJPOϑϩʔ *O"QQ ᶃ ߪೖऀ Ճໍళ 141 "QQMF  ܾࡁϦΫΤετ ҉߸Խܾͨ͠ࡁɾτʔΫϯ

    ɹ৘ใૹ৴ ෆՄٯτʔΫϯΛੜ੒ ෆՄٯτʔΫϯฦ٫ w Ճໍళ͕141ίϯςΫετʹ͓͚ΔෆՄٯτʔΫϯΛੜ੒ ෆՄٯτʔΫϯʹΑΔܾࡁॲཧ
  23. Ճໍళɾ141ؒͷ5PLFOJ[BUJPOϑϩʔ *O"QQ ᶄ ߪೖऀ Ճໍళ 141 ڞಉ/8 ΠγϡΞ 541ϒϥϯυ "QQMF

    ΞΫϫΠΞϥ  ܾࡁϦΫΤετ ҉߸Խܾͨ͠ࡁɾτʔΫϯ ɹ৘ใͱ141ίϯςΫετͷτʔΫϯૹ৴ ॴఆͷख๏ͰܾࡁɾτʔΫϯ ɹ৘ใΛ෮߸ τʔΫϯ৘ใͷ໰͍߹Θͤ τʔΫϯ৘ใͷ໰͍߹Θͤ %ηΩϡΞωοτϫʔΫʹΑΔ ɹܾࡁϦΫΤετ ೝূ݁ՌPL ೝূ݁ՌPL w Ճໍళ͕141ίϯςΫετͷෆՄٯτʔΫϯΛ࢖ܾͬͯࡁϦΫΤετ ܾࡁ݁ՌΛฦ͢
  24. 141Ҏ߱ͷ5PLFOJ[BUJPOϑϩʔ *O"QQ w ҉߸Խ͞Εͨ%FWJDFBDDPVOUOVNCFSͷ෮߸ w %ηΩϡΞωοτϫʔΫܦ༝Ͱͷ৘ใ఻ૹ w %FWJDFBDDPVOUOVNCFSͷ෮߸͸ΠγϡΞʔ541Ҏ߱

  25. w 5PLFOJ[BUJPO͸֤ࣄۀऀͷίϯςΫετʹΑΓଟ༷ͳ༻ ్͕͋Δ w 5PLFOJ[BUJPOͷൃୡʹΑΓηΩϡΞͳ࿈ܞ͕γϯϓϧʹ w 5PLFOJ[BUJPOΛ׆༻ͨ͠৽͍ܾ͠ࡁखஈීٴʹΑΓɺ ηΩϡϦςΟɾ69૒ํ͕޲্͢Δະདྷ΁ ·ͱΊ

  26. &OE