シームレスな体験を実現する本人確認フローの構築 〜家計簿プリカB/43でのeKYC開発実例〜 / iOSDC Japan 2021

iOSDC Japan 2021 での発表資料です。 https://iosdc.jp/2021/
Track B - 2021/09/18 10:50-11:10

1. Smart, Secure, Mobile Super powered Banking and Living. γʔϜϨεͳମݧΛ࣮ݱ͢Δຊਓ֬ೝϑϩʔͷߏங 
 ʙՈܭ฽ϓϦΧ
   #
   ͰͷF,:$։ൃ࣮ྫʙ 
2. Smart, Secure, Mobile Super powered Banking and Living.  4NBSU#BOL
   *OD
   
   J04
   
   "OESPJE
   "QQMJDBUJPO
   %FWFMPQFS தଜ
   ܙଠ !DIJDLNVVV ࣗݾ঺հ !OBLBNVVV
4. Smart, Secure, Mobile Super powered Banking and Living.  ࠓ೔͓࿩͢͠Δ͜ͱ w ैདྷͷຊਓ֬ೝͷ՝୊ͱF,:$ʹ͍ͭͯ
   w Ոܭ฽ϓϦΧ
   #
   Ͱͷຊਓ֬ೝϑϩʔͷઃܭࢥ૝
   w J04ΞϓϦͰͷ࣮૷ʹ͓͚Δٕज़໘Ͱͷ޻෉
   
   5JQT
   w F,:$ͷࣗલͰͷӡ༻͔ΒಘΒΕͨ੒Ռͱࠓޙͷ՝୊
5. Smart, Secure, Mobile Super powered Banking and Living. 㲔 ैདྷͷຊਓ֬ೝͷ՝୊ͱF,:$ʹ͍ͭͯ
6. Smart, Secure, Mobile Super powered Banking and Living.  ैདྷͷຊਓ֬ೝͷ՝୊ͱF,:$ʹ͍ͭͯ w ର໘νϟωϧΛ࣋ͨͳ͍8FCαʔϏε͸༣ૹͰͷຊਓ֬ೝΛ࠾༻
   w ར༻։࢝·Ͱʹ࠷୹Ͱ΋਺೔ͷλΠϜϥά͕ൃੜ͢Δͷ͕՝୊ ۚ༥΍௨৴αʔϏεͷܖ໿ͳͲͰͷैདྷͷຊਓ֬ೝ ࣮ళฮͷ૭ޱͰຊਓ֬ೝॻྨΛఏࣔ 💁
   ର໘Ͱͷຊਓ֬ೝ ຊਓ֬ೝॻྨͷఏग़
   
   ༣ศ෺ͷड͚औΓ 📮
   ༣ૹͰͷຊਓ֬ೝ
7. Smart, Secure, Mobile Super powered Banking and Living.  ैདྷͷຊਓ֬ೝͷ՝୊ͱF,:$ʹ͍ͭͯ ސ٬ͷຊਓ֬ೝΛٛ຿෇͚Δ֤छ๏ྩ͕ఆΊΒΕ͍ͯΔ ൜ࡑऩӹҠస๷ࢭ๏ ۚ༥ػؔʢۜߦɾ৴༻ۚݿʣ΍ࢿۚҠಈۀऀͳͲͷಛఆࣄۀऀ͕ 
 ϚωʔɾϩϯμϦϯάٴͼςϩࢿۚڙ༩Λ๷ࢭ͢ΔͨΊͷાஔΛنఆ ܞଳి࿩
   ෆਖ਼ར༻๷ࢭ๏ ௨৴ࣄۀऀʹΑΔܖ໿ऀͷ؅ཧମ੍ͷ੔උͷଅਐΛ໨తͱ͠ɺ 
 ܖ໿࣌ͷຊਓ֬ೝͳͲͷܞଳి࿩ͷෆਖ਼ར༻Λ๷ࢭ͢ΔͨΊͷાஔΛنఆ ݹ෺Ӧۀ๏ ݹ෺ࢢ৔Ͱͷ઄౪඼ͷྲྀ௨Λ๷ࢭ͢ΔͨΊɺ 
 ҰఆֹۚҎ্ͷऔҾʹ͓͍ͯຊਓ֬ೝͷٛ຿͕ੜ͡Δ͜ͱΛنఆ
8. Smart, Secure, Mobile Super powered Banking and Living.  ैདྷͷຊਓ֬ೝͷ՝୊ͱF,:$ʹ͍ͭͯ w ΦϯϥΠϯͰ׬݁͢Δඇର໘ܕͷຊਓ֬ೝʢF,:$ʣ͕Մೳʹ
   w ʮຊਓ֬ೝॻྨͱຊਓ༰࢟ͷը૾ͷૹ৴ʯʮଞͷۚ༥ػؔ΁ͷরձʯͳͲɺɹɹ ෳ਺ͷຊਓ֬ೝͷύλʔϯ͕نఆ ൜ࡑऩӹҠస๷ࢭ๏ͷվਖ਼ʢ೥݄ʣ ΦϯϥΠϯͰ׬݁͢Δຊਓ֬ೝʢF,:$ʣ͕ 
 ۚ༥ܥͷ8FCαʔϏεΛத৺ʹීٴ͍ͯ͘͠ܖػʹ ˞
   F,:$
   
   lFMFDUSPOJD
   ,OPX
   :PVS
   $VTUPNFSz
9. Smart, Secure, Mobile Super powered Banking and Living. #΋ΦϯϥΠϯͰ׬݁͢Δຊਓ֬ೝʢF,:$ʣʹରԠ  ैདྷͷຊਓ֬ೝͷ՝୊ͱF,:$ʹ͍ͭͯ
10. Smart, Secure, Mobile Super powered Banking and Living. 㲔 Ոܭ฽ϓϦΧ
    #
    Ͱͷ 
 ຊਓ֬ೝϑϩʔͷઃܭࢥ૝
11. Smart, Secure, Mobile Super powered Banking and Living.  #Ͱͷຊਓ֬ೝϑϩʔͷઃܭࢥ૝ w F,:$Ͱ͸ෳ਺ͷϕϯμʔ͕඼࣭ͷߴ͍4%,Λఏڙ͍ͯ͠Δ
    w ৹ࠪπʔϧ΍ຊਓ֬ೝۀ຿͕ύοέʔδԽ͞Εͨ΋ͷ΋ଘࡏ
    w ଞαʔϏεʹ͓͍ͯ͸֎෦4%,Λ࠾༻͍ͯ͠Δྫ͕ଟ͘ݟΒΕΔ ֎෦4%,ͷ࠾༻ ࣗલͰͷߏங ͔ ͔
12. Smart, Secure, Mobile Super powered Banking and Living.  #Ͱͷຊਓ֬ೝϑϩʔͷઃܭࢥ૝ #ͷλʔήοτϢʔβʔʹ͸8FCαʔϏεͷར༻ʹෆ׳Εͳਓ΋ଟ͍ ݱۚΛ༻్͝ͱʹା෼͚ͯ͠ 
 ΞφϩάʹՈܭΛ؅ཧ ΫϨΧͷ໌ࡉΛ֬ೝͰ͖ͣ 
 Ҿམ͠·Ͱࢧग़Λ೺ѲͰ͖ͳ͍ োนͷ௿͍
    lγʔϜϨεͳΦϯϘʔσΟϯάମݧz
    Λ࣮ݱ͢ΔͨΊʹʜ ࣗલͰͷຊਓ֬ೝϑϩʔͷߏஙΛબ୒
13. Smart, Secure, Mobile Super powered Banking and Living.  #Ͱͷຊਓ֬ೝϑϩʔͷઃܭࢥ૝ ᶃ
    ίϯςΩετͷ෼அΛ๷͙ ᶄ
    ౷Ұ͞Εͨίϛϡχέʔγϣϯϧʔϧ αʔϏεͷਃ͠ࠐΈͷ̍εςοϓͱͯ͠දݱ͢Δ 
 ૢ࡞ੑ΍σβΠϯ͔Βϑϩʔͷ෼அΛҙࣝͤ͞ͳ͍ αʔϏεͷίϛϡχέʔγϣϯϧʔϧʹ४ڌ͢Δ 
 ը໘͝ͱͷ৘ใྔΛ཈͑ͯ਌͠Έ΍͍͢දݱΛ
14. Smart, Secure, Mobile Super powered Banking and Living. lγʔϜϨεͳΦϯϘʔσΟϯάମݧz
    ͷͨΊʹίετΛ͔͚͍ͯ͘ҙࢥܾఆ  #Ͱͷຊਓ֬ೝϑϩʔͷઃܭࢥ૝
15. Smart, Secure, Mobile Super powered Banking and Living.  #Ͱͷຊਓ֬ೝϑϩʔͷઃܭࢥ૝ w ϞόΠϧΞϓϦ͚ͩͰͳ͘؅ཧը໘ΛؚΊͨαʔόʔαΠυ΋ࣗલͰߏங
    w ຊਓ֬ೝͷঝೝϑϩʔͷ࠷దԽ
    
    "NB[PO
    3FLPHOJUJPOͰͷإࣸਅղੳͳͲ 
 ӡ༻ίετͷܰݮ΍ਃ੥಺༰ͷਖ਼౰ੑΛ୲อ͢Δ޻෉
16. Smart, Secure, Mobile Super powered Banking and Living.  #Ͱͷຊਓ֬ೝϑϩʔͷઃܭࢥ૝ w ֎෦4%,Λ༻͍ͣʹࣗલͰͷຊਓ֬ೝϑϩʔͷ࣮૷Λબ୒
    w ϞόΠϧΞϓϦ͚ͩͰͳ͘αʔόʔαΠυ
    
    ؅ཧը໘΋ؚΊͯ 
 ίετΛ͔͚͍ͯ͘ҙࢥܾఆ αʔϏεͷίΞͱͳΔػೳͱಉ౳Ҏ্ͷ༏ઌ౓Ͱ 
 ΦϯϘʔσΟϯάମݧΛܧଓతʹվળ͍ͯ͘͠
17. Smart, Secure, Mobile Super powered Banking and Living. 㲔 J04ΞϓϦͰͷ࣮૷ʹ͓͚Δ 
 ٕज़໘Ͱͷ޻෉
    
    5JQT
18. Smart, Secure, Mobile Super powered Banking and Living.  J04ΞϓϦʹ͓͚Δٕज़໘Ͱͷ޻෉
    
    5JQT ࢯ໊
    
    ॅॴͷೖྗ إࣸਅͷࡱӨ ຊਓ֬ೝॻྨͷࡱӨ
19. Smart, Secure, Mobile Super powered Banking and Living.  J04ΞϓϦʹ͓͚Δٕज़໘Ͱͷ޻෉
    
    5JQT 7JTJPOGSBNFXPSL
    
    .-
    ,JUΛ׆༻ͨࣗ͠ಈࡱӨΛ࣮૷ 7JTJPOGSBNFXPSL
    ͷۣܗݕग़ػೳΛ׆༻
    ʢ7/%FUFDU3FDUBOHMFT3FRVFTUʣ ຊਓ֬ೝॻྨ 
 ʢӡస໔ڐॻͷ৔߹ʣ ද໘
    
    ཪ໘
    
    ްΈʢࣼΊʣΛࡱӨ إࣸਅ إͷ޲͖ͳͲͷࢦࣔͰ਺ຕΛࡱӨ .-
    ,JU
    ͷإݕग़ػೳΛ׆༻
    ʢ7JTJPO'BDF%FUFDUPSʣ
20. Smart, Secure, Mobile Super powered Banking and Living.  J04ΞϓϦʹ͓͚Δٕज़໘Ͱͷ޻෉
    
    5JQT ᶃ
    "7$BQUVSF4FTTJPO
    ͔ΒΩϟϓνϟը૾Λऔಘ
    ᶄ
    7JTJPOGSBNFXPSL
    
    .-
    ,JU
    ͷݕग़ثʹ͔͚Δ
    ᶅ
    ۣܗ
    
    إ͕ݕग़͞ΕͨΒҐஔͳͲ͕ࡱӨ৚݅ʹ߹க͢Δ͔൑ఆ ॲཧͷྲྀΕࣗମ͸୯७͕ͩࡱӨ৚݅ͷᮢ஋Λ୳Δඞཁ
    🔍 ຊਓ֬ೝͱͯ͠ෆద੾ͳը૾ʹ ࡱӨ৚͕݅؇͗͢Δͱʜ Ϣʔβʔͷେ͖ͳ཭୤ϙΠϯτʹ ࡱӨ৚͕݅ݫ͗͢͠Δͱʜ
21. Smart, Secure, Mobile Super powered Banking and Living.  J04ΞϓϦʹ͓͚Δٕज़໘Ͱͷ޻෉
    
    5JQT ࣾ಺
    
    ϢʔβʔςετΛ܁Γฦͯ͠ద੾ͳࡱӨ৚݅ͷᮢ஋Λ୳Δ
    ྫ
    
    ຊਓ֬ೝॻྨͷްΈʢࣼΊʣ ɾ࠷େ෯͕ΨΠυ࿮ʹର͠
    
    ʙ
    
    ɾ࠷େߴ͕ΨΠυ࿮ʹର͠
    
    ʙ
    
    ɾΨΠυ࿮ͷॏ৺ͱͷڑ཭͕
    ʓ
    ҎԼ
    ɾԼลʹର͢Δ্ลͷׂ߹͕
    ʓ
    ҎԼ
    ɾࠨลͱӈลͷͶ͡Ε͕
    ʓ
    ʙ
    ʓ
22. Smart, Secure, Mobile Super powered Banking and Living.  J04ΞϓϦʹ͓͚Δٕज़໘Ͱͷ޻෉
    
    5JQT ࣾ಺
    
    ϢʔβʔςετΛ܁Γฦͯ͠ద੾ͳࡱӨ৚݅ͷᮢ஋Λ୳Δ
    ྫ
    
    ࠨ޲͖ͷإࣸਅ ɾإͷԣ෯͕ΨΠυ࿮ʹର͠
    
    Ҏ্
    ɾإͱΨΠυ࿮ͷॏ৺ͷڑ཭͕
    ʓ
    ҎԼ
    ɾإͷ9࣠
    
    ;࣠Ͱͷ܏͖͕
    ʓ౓
    ʙ
    ʓ౓
    ɾإͷ:࣠Ͱͷ܏͖͕
    ʓ౓Ҏ্
    ɾ໨͕։͍͍ͯΔ֬཰͕
    ʓ
    Ҏ্
23. Smart, Secure, Mobile Super powered Banking and Living. w "7$BQUVSF4FTTJPOͰग़ྗ͞ΕΔը૾͸ 
 େ͖͘ϒϨ͍ͯΔՄೳੑ΋ʜ
    w ࡱӨ৚݅ʹ߹கͨ͠ࡍͷΩϟϓνϟը૾Λ 
 ޻෉ͳ͘ѻ͏ͱࢹೝෆೳͳॻྨ΍إࣸਅΛ 
 Ξοϓϩʔυ͢Δ͜ͱʹͳΔ  J04ΞϓϦʹ͓͚Δٕज़໘Ͱͷ޻෉
    
    5JQT
24. Smart, Secure, Mobile Super powered Banking and Living.  J04ΞϓϦʹ͓͚Δٕज़໘Ͱͷ޻෉
    
    5JQT w 7JTJPOGSBNFXPSL
    
    .-,JU
    ͔ΒಘΒΕΔ 
 ݕग़ҐஔͱαΠζͷ৘ใΛஞҰอଘ
    w Ұఆ࣌ؒɺݕग़ҐஔͱαΠζ͕ۙࣅ͠ଓ͚ͳ͍ 
 ݶΓ͸ࡱӨΛ׬ྃͤ͞ͳ͍Α͏ʹߏங ݕग़ҐஔͱαΠζ͕ۙࣅ͠ଓ͚ͨ৔߹ʹͷΈࡱӨ׬ྃͤ͞Δ ҰॠɺࡱӨ৚݅ʹ߹கͯ͠΋ 
 ࡱӨΛଓߦ͢Δ աڈʓʓϛϦඵͷؒ 
 Ґஔ͕ۙࣅ͠ଓ͚ͨΒࡱӨ
25. Smart, Secure, Mobile Super powered Banking and Living.  J04ΞϓϦʹ͓͚Δٕज़໘Ͱͷ޻෉
    
    5JQT w ֤ࡱӨը໘Ͱ7JTJPOGSBNFXPSL
    
    .-
    ,JUͷݕग़ػೳΛ׆༻
    w ʮࡱӨ͠΍͍͢ʯ͔ͭʮෆద౰ͳը૾ʹͳΒͳ͍ʯͨΊͷ 
 ࡱӨ৚݅΍ϩδοΫ͸ࣾ಺
    
    ϢʔβʔςετͰ܁Γฦ͠ௐ੔
    w ʢ։ൃऀ͸ࡱӨ্͕ख͘ͳΓ͗ͯ͢αϯϓϧʹͳΒͳ͍
    😭ʣ 7JTJPOGSBNFXPSL
    
    .-
    ,JUͷ׆༻ͱ஍ಓͳᮢ஋ͷௐ੔Ͱ 
 εϜʔζͳF,:$ͷମݧΛߏங
26. Smart, Secure, Mobile Super powered Banking and Living. 㲔 F,:$ͷࣗલͰͷӡ༻͔Β 
 ಘΒΕͨ੒Ռͱࠓޙͷ՝୊
27. Smart, Secure, Mobile Super powered Banking and Living.  ࣗલͰͷӡ༻͔ΒಘΒΕͨ੒Ռͱࠓޙͷ՝୊ w ຊਓ֬ೝॻྨͷࡱӨ։࢝ʙΧʔυൃߦਃ͠ࠐΈ׬ྃͷ཭୤཰͸ 
 ະຬͷਫ४Λҡ࣋͠ଓ͚͍ͯΔ
    w ຊਓ֬ೝϑϩʔͷதͰͷ཭୤ϙΠϯτͷൃݟ΍ͦͷվળΛ 
 ։ൃνʔϜ಺ͰҰ؏ͯ͠ߦ͑Δମ੍Λங͚ͨͷ͕େ͖͍ ੒Ռ ௿͍཭୤཰ͱࣗ෼ͨͪͰվળΛճ͍͚ͯ͠Δମ੍
28. Smart, Secure, Mobile Super powered Banking and Living.  ࣗલͰͷӡ༻͔ΒಘΒΕͨ੒Ռͱࠓޙͷ՝୊ w 0$3Λ׆༻ͨ͠ॅॴͷࣗಈೖྗɺ/'$ͰͷϚΠφϯόʔΧʔυͷ ಡΈऔΓʜͳͲػೳ໘Ͱ֦ॆͰ͖Δ͜ͱ͕ଘࡏ
    w ӡ༻ϑϩʔͷܰݮ΍ຊਓͰ͋Δ͔ͷ൑ఆਫ਼౓ͷߋͳΔ޲্ͳͲɺ 
 ݎ࿚Ͱ৴པੑͷߴ͍ຊਓ֬ೝϑϩʔΛ࣮ݱ͍ͯ͘͠ඞཁ ՝୊ ϕϯμʔͷ4%,ʹྼΒͳ͍ػೳੑͱ৴པੑͷ࣮ݱ
29. Smart, Secure, Mobile Super powered Banking and Living.  ·ͱΊ w #
    Ͱ͸
    lγʔϜϨεͳΦϯϘʔσΟϯάମݧz
    Λ࣮ݱ͢ΔͨΊ 
 ຊਓ֬ೝʢF,:$ʣϑϩʔΛࣗલͰߏங
    w ֤ࡱӨը໘͸7JTJPOGSBNFXPSL
    
    .-
    ,JUΛ׆༻࣮ͯ͠૷
    w ૬ԠͷίετΛ͔͚ͭͭϢʔβʔମݧ΍཭୤཰ͷ໘Ͱ੒Ռ
    👍
    w ຊਓ֬ೝϑϩʔͰ͸֎෦ͷιϦϡʔγϣϯΛ׆༻ͯ͠ɺ 
 αʔϏεͷίΞͱͳΔػೳ΁஫ྗ͢Δͷ΋ਖ਼͍͠બ୒
    💭
30. 㲔 Smart, Secure, Mobile Super powered Banking and Living.  ͝ਗ਼ௌ͋Γ͕ͱ͏͍͟͝·ͨ͠ʂ