Balance Security and Usability in the Field of 3D Secure

Kaigi on Rails 2022で "Balance Security and Usability in the Field of 3D Secure"

https://kaigionrails.org/2022/talks/ohbarye/

セキュリティとユーザーの利便性をいかに両立させるか、という観点で3Dセキュアの歴史やプロトコルを見ていくセッションです。B/43の開発・運用の裏側も一部紹介しています。

Transcript

1. 
   #BMBODF4FDVSJUZBOE6TBCJMJUZ
   JOUIF'JFMEPG%4FDVSF
   .BTBUP0ICB !PICBSZF
   
   

   ,BJHJPO3BJMT
   
   

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2. 
   ಋೖ
   ໰͍
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   ηΩϡϦςΟ
   

   *40*&$ʹ͓͍ͯॏࢹ͞ΕΔ৘ใηΩϡϦςΟཁૉͷ
   

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3. 
   ಋೖ
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   ػີੑɾ׬શੑͷͨΊʹݱ࣮తͰ͸ͳ͍ରࡦΛॏͶΔͱ
   

   ར༻ऀ͕ୡ੒͍ͨ͜͠ͱΛຬͨͤͳ͍αʔϏεͱͳΓՄ༻ੑΛଛͳ͏
   *40ʹΑΔͱେཁૉ͕ͩ͜͜Ͱ͸؆ศ͞ͷͨΊେཁૉͷΈࢀর
   

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4. 
   ύεϫʔυͷఆظมߋɹɹηΩϡϦςΟɹϢʔβϏϦςΟ
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5. 
   ੜମೝূɹɹηΩϡϦςΟɹϢʔβϏϦςΟ
   

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6. 
   $"15$)"ɹɹηΩϡϦςΟ ɹϢʔβϏϦςΟ
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7. 
   J04CZQBTT$"15$)"$MPVEGMBSF5VSOTUJMFɹɹηΩϡϦςΟɹϢʔβϏϦςΟ
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   fl
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8. 
   Ұ෦ళฮͰͷΧʔυࢧ෷͍ɹɹηΩϡϦςΟɹϢʔβϏϦςΟ
   

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9. 
   ಋೖ
   w ηΩϡϦςΟͱϢʔβϏϦςΟ
   Λߴ͍ਫ४Ͱཱ྆ͤ͞Δ͜ͱΛ
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   w Ϣʔβͷߦಈಛੑ΍৺ཧಛੑΛ
   ߟྀͨ͠ηΩϡϦςΟٕज़ͷ։
   ൃ΍ɺطଘٕज़ͷϢʔβϏϦ
   ςΟධՁͳͲ͕ߦΘΕ͍ͯΔ
   ϢʔβϒϧηΩϡϦςΟ
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10. 
    ಋೖ
    ࿩͢͜ͱ
    💳🧓 %ηΩϡΞͱ͸Կ͔
    

    ෆਖ਼ར༻ͱઓ͏ɺ೥ͷྺ࢙Λ࣋ͭϓϩτίϧ
    🔐🤝 %ηΩϡΞ͕ηΩϡϦςΟͱϢʔβϏϦςΟΛཱ྆ͤ͞Δʹ͍ͨΔ·Ͱ
    🏦🏢 ੈʹ΄ͱΜͲ஌ΒΕ͍ͯͳ͍%ηΩϡΞͷཪଆͷ࢓૊Έ
    

    Χʔυձࣾ໨ઢͰͷӡ༻
    

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11. 
    ಋೖ
    ૝ఆ͢Δฉ͖ख
    🙋 ηΩϡϦςΟ͔ϢʔβϏϦςΟɺ·ͨ͸྆ํʹؔ৺͕͋Γɺ
    

    ͭΛཱ྆ͤ͞ΔࣄྫΛ௨ͯ͡஌ࣝΛਂΊ͍ͨ
    🙋 ΦϯϥΠϯܾࡁΛఏڙ͢ΔαʔϏεɺϓϩμΫτʹؔΘΔ
    😎 Χʔυܾࡁ%ηΩϡΞͷཪଆͷ࢓૊Έʹڵຯ͕͋Δ
    

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12. View Slide

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14. ڈ೥΋ϓϩτίϧͷ࿩ͯ͠·ͨ͠
    
    IUUQTTQFBLFSEFDLDPNPICBSZFTBGFSFUSZXJUIJEFNQPUFODZLFZIFBEFS
    %ηΩϡΞϓϩτίϧೖ໳
    

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15. 
    "HFOEB
    %ηΩϡΞͱ͸Կ͔
    %ηΩϡΞɺ೥ͷาΈ
    %ηΩϡΞϓϩτίϧೖ໳
    Χʔυձࣾͷ%ηΩϡΞӡ༻
    

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16. %ηΩϡΞͱ͸Կ͔
    

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17. %ηΩϡΞͱ͸
    

    ిࢠ঎औҾʹೝূΛ௥Ճ͢Δ͜ͱͰ
    

    ෆਖ਼ߦҝΛݮΒ͢͜ͱΛ໨తͱͨ͠ϓϩτίϧ
    ਖ਼ࣜӳޠදه͸%4FDVSFɺ೔ຊޠͰ͸%ηΩϡΞ͕ҰൠతɻຊࢿྉͰ͸%4·ͨ͸%ηΩϡΞͱදه
    

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18. 
    %ηΩϡΞͱ͸Կ͔
    ʁ
    

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19. 
    %ηΩϡΞͱ͸Կ͔
    ʁ
    ΦϯϥΠϯͰΧʔυܾࡁ͢Δͱ͖ʹ
    

    ύεϫʔυೝূΛٻΊΒΕͨ͜ͱɺ͋Γ·͔͢ʁ
    

    ͜͏͍͏΍ͭ
    ͋Δ
    ͳ͍
    

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20. 
    %ηΩϡΞͱ͸Կ͔
    ΦϯϥΠϯͰͷΧʔυܾࡁ ؆қ൛
    
    💁Χʔυॴ༗ऀ 🏪&$αΠτ 💳Χʔυձࣾ
    ࣮ࡍ͸Χʔυ൪߸Λ&$αΠτʹૹΔ͜ͱ͸΄ͱΜͲͳ͘ɺܾࡁ୅ߦձࣾΛܦ༝͢Δ
    

    தؒʹ͸ܾࡁ୅ߦձࣾ΍ΧʔυωοτϫʔΫ౳͕ଘࡏ͢Δ͕؆୯ͷͨΊলུ
    

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21. 
    %ηΩϡΞͱ͸Կ͔
    ΦϯϥΠϯͰͷΧʔυܾࡁ ؆қ൛
    
    💁Χʔυॴ༗ऀ 🏪&$αΠτ 💳Χʔυձࣾ
    ࣮ࡍ͸Χʔυ൪߸Λ&$αΠτʹૹΔ͜ͱ͸΄ͱΜͲͳ͘ɺܾࡁ୅ߦձࣾΛܦ༝͢Δ
    

    தؒʹ͸ܾࡁ୅ߦձࣾ΍ΧʔυωοτϫʔΫ౳͕ଘࡏ͢Δ͕؆୯ͷͨΊলུ
    Χʔυ"Ͱങ͍·͢
    

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22. 
    %ηΩϡΞͱ͸Կ͔
    ΦϯϥΠϯͰͷΧʔυܾࡁ ؆қ൛
    
    💁Χʔυॴ༗ऀ 🏪&$αΠτ 💳Χʔυձࣾ
    ࣮ࡍ͸Χʔυ൪߸Λ&$αΠτʹૹΔ͜ͱ͸΄ͱΜͲͳ͘ɺܾࡁ୅ߦձࣾΛܦ༝͢Δ
    

    தؒʹ͸ܾࡁ୅ߦձࣾ΍ΧʔυωοτϫʔΫ౳͕ଘࡏ͢Δ͕؆୯ͷͨΊলུ
    Χʔυ"Ͱങ͍·͢ Χʔυ"ͷ9ԁͷऔҾͬͯ
    

    ঝೝͰ͖Δʁ
    

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23. 
    %ηΩϡΞͱ͸Կ͔
    ΦϯϥΠϯͰͷΧʔυܾࡁ ؆қ൛
    
    💁Χʔυॴ༗ऀ 🏪&$αΠτ 💳Χʔυձࣾ
    ࣮ࡍ͸Χʔυ൪߸Λ&$αΠτʹૹΔ͜ͱ͸΄ͱΜͲͳ͘ɺܾࡁ୅ߦձࣾΛܦ༝͢Δ
    

    தؒʹ͸ܾࡁ୅ߦձࣾ΍ΧʔυωοτϫʔΫ౳͕ଘࡏ͢Δ͕؆୯ͷͨΊলུ
    Χʔυ"Ͱങ͍·͢ Χʔυ"ͷ9ԁͷऔҾͬͯ
    

    ঝೝͰ͖Δʁ
    ར༻্ݶʹୡ͍ͯ͠ͳ͍
    

    ঝೝͯ͠0,ͩͳ
    

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24. 
    %ηΩϡΞͱ͸Կ͔
    ΦϯϥΠϯͰͷΧʔυܾࡁ ؆қ൛
    
    💁Χʔυॴ༗ऀ 🏪&$αΠτ 💳Χʔυձࣾ
    ࣮ࡍ͸Χʔυ൪߸Λ&$αΠτʹૹΔ͜ͱ͸΄ͱΜͲͳ͘ɺܾࡁ୅ߦձࣾΛܦ༝͢Δ
    

    தؒʹ͸ܾࡁ୅ߦձࣾ΍ΧʔυωοτϫʔΫ౳͕ଘࡏ͢Δ͕؆୯ͷͨΊলུ
    Χʔυ"Ͱങ͍·͢ Χʔυ"ͷ9ԁͷऔҾͬͯ
    

    ঝೝͰ͖Δʁ
    0,
    ܾࡁͰ͖·ͨ͠
    ར༻্ݶʹୡ͍ͯ͠ͳ͍
    

    ঝೝͯ͠0,ͩͳ
    ✅ߪೖ׬ྃ
    

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25. 
    %ηΩϡΞͱ͸Կ͔
    ΦϯϥΠϯͰͷΧʔυܾࡁ ؆қ൛
    
    💁Χʔυॴ༗ऀ 🏪&$αΠτ 💳Χʔυձࣾ
    ࣮ࡍ͸Χʔυ൪߸Λ&$αΠτʹૹΔ͜ͱ͸΄ͱΜͲͳ͘ɺܾࡁ୅ߦձࣾΛܦ༝͢Δ
    

    தؒʹ͸ܾࡁ୅ߦձࣾ΍ΧʔυωοτϫʔΫ౳͕ଘࡏ͢Δ͕؆୯ͷͨΊলུ
    ৴༻রձ ΦʔιϦ
    
    Χʔυ"Ͱങ͍·͢ Χʔυ"ͷ9ԁͷऔҾͬͯ
    

    ঝೝͰ͖Δʁ
    0,
    ܾࡁͰ͖·ͨ͠
    ར༻্ݶʹୡ͍ͯ͠ͳ͍
    

    ঝೝͯ͠0,ͩͳ
    ✅ߪೖ׬ྃ
    

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26. 
    %ηΩϡΞͱ͸Կ͔
    ΦϯϥΠϯͰͷΧʔυܾࡁͷ՝୊
    🏪&$αΠτ 💳Χʔυձࣾ
    💁Χʔυॴ༗ऀ
    

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27. 
    %ηΩϡΞͱ͸Կ͔
    ΦϯϥΠϯͰͷΧʔυܾࡁͷ՝୊
    🏪&$αΠτ 💳Χʔυձࣾ
    💁Χʔυॴ༗ऀ
    😈ෆਖ਼ར༻ऀ
    Χʔυ"ͷ৘ใΛෆਖ਼ʹೖख
    

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28. 
    %ηΩϡΞͱ͸Կ͔
    ΦϯϥΠϯͰͷΧʔυܾࡁͷ՝୊
    🏪&$αΠτ 💳Χʔυձࣾ
    💁Χʔυॴ༗ऀ
    😈ෆਖ਼ར༻ऀ
    Χʔυ"ͷ৘ใΛෆਖ਼ʹೖख
    ৴༻রձ ΦʔιϦ
    
    Χʔυ"Ͱങ͍·͢ Χʔυ"ͷ9ԁͷऔҾͬͯ
    

    ঝೝͰ͖Δʁ
    0,
    ܾࡁͰ͖·ͨ͠
    ར༻্ݶʹୡ͍ͯ͠ͳ͍
    

    ঝೝͯ͠0,ͩͳ
    ✅ߪೖ׬ྃ
    

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29. 
    %ηΩϡΞͱ͸Կ͔
    ΦϯϥΠϯͰͷΧʔυܾࡁͷ՝୊
    🏪&$αΠτ 💳Χʔυձࣾ
    ΫϥΠΞϯτ͕Χʔυ"ͷॴ༗ऀຊਓͰ͋Δ͜ͱΛ
    

    ୭΋֬ೝ͍ͯ͠ͳ͍
    💁Χʔυॴ༗ऀ
    😈ෆਖ਼ར༻ऀ
    Χʔυ"ͷ৘ใΛෆਖ਼ʹೖख
    ৴༻রձ ΦʔιϦ
    
    Χʔυ"Ͱങ͍·͢ Χʔυ"ͷ9ԁͷऔҾͬͯ
    

    ঝೝͰ͖Δʁ
    0,
    ܾࡁͰ͖·ͨ͠
    ར༻্ݶʹୡ͍ͯ͠ͳ͍
    

    ঝೝͯ͠0,ͩͳ
    ✅ߪೖ׬ྃ
    

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30. 
    %ηΩϡΞͱ͸Կ͔
    ຊਓೝূΛ௥Ճ
    🏪&$αΠτ 💳Χʔυձࣾ
    💁Χʔυॴ༗ऀ
    ը໘Πϝʔδ͸IUUQTXXXTNCDDBSEDPNEFCJUGFBUVSFETFDVSFKTQΑΓ
    

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31. 
    %ηΩϡΞͱ͸Կ͔
    ຊਓೝূΛ௥Ճ
    🏪&$αΠτ 💳Χʔυձࣾ
    💁Χʔυॴ༗ऀ
    Χʔυ"Ͱങ͍·͢
    ը໘Πϝʔδ͸IUUQTXXXTNCDDBSEDPNEFCJUGFBUVSFETFDVSFKTQΑΓ
    

    View Slide

32. 
    %ηΩϡΞͱ͸Կ͔
    ຊਓೝূΛ௥Ճ
    🏪&$αΠτ 💳Χʔυձࣾ
    💁Χʔυॴ༗ऀ
    Χʔυ"ͷॴ༗ऀ͔ೝূཔΉʂ
    Χʔυ"Ͱങ͍·͢
    ը໘Πϝʔδ͸IUUQTXXXTNCDDBSEDPNEFCJUGFBUVSFETFDVSFKTQΑΓ
    

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33. 
    %ηΩϡΞͱ͸Կ͔
    ຊਓೝূΛ௥Ճ
    🏪&$αΠτ 💳Χʔυձࣾ
    💁Χʔυॴ༗ऀ
    Χʔυ"ͷॴ༗ऀ͔ೝূཔΉʂ
    ύεϫʔυΛೖྗ͍ͯͩ͘͠͞
    Χʔυ"Ͱങ͍·͢
    ը໘Πϝʔδ͸IUUQTXXXTNCDDBSEDPNEFCJUGFBUVSFETFDVSFKTQΑΓ
    

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34. 
    %ηΩϡΞͱ͸Կ͔
    ຊਓೝূΛ௥Ճ
    🏪&$αΠτ 💳Χʔυձࣾ
    💁Χʔυॴ༗ऀ
    Χʔυ"ͷॴ༗ऀ͔ೝূཔΉʂ
    ύεϫʔυΛೖྗ͍ͯͩ͘͠͞
    Χʔυ"Ͱങ͍·͢
    ը໘Πϝʔδ͸IUUQTXXXTNCDDBSEDPNEFCJUGFBUVSFETFDVSFKTQΑΓ
    

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35. 
    %ηΩϡΞͱ͸Կ͔
    ຊਓೝূΛ௥Ճ
    🏪&$αΠτ 💳Χʔυձࣾ
    💁Χʔυॴ༗ऀ
    Χʔυ"ͷॴ༗ऀ͔ೝূཔΉʂ
    ύεϫʔυΛೖྗ͍ͯͩ͘͠͞
    KB'/!L!Ͱ͢Αʜͱ
    Χʔυ"Ͱങ͍·͢
    ը໘Πϝʔδ͸IUUQTXXXTNCDDBSEDPNEFCJUGFBUVSFETFDVSFKTQΑΓ
    

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36. 
    %ηΩϡΞͱ͸Կ͔
    ຊਓೝূΛ௥Ճ
    🏪&$αΠτ 💳Χʔυձࣾ
    💁Χʔυॴ༗ऀ
    Χʔυ"ͷॴ༗ऀ͔ೝূཔΉʂ
    ύεϫʔυΛೖྗ͍ͯͩ͘͠͞
    KB'/!L!Ͱ͢Αʜͱ
    ຊਓೝূ0,
    ߹͍ͬͯΔͳ
    

    Ϥγʂ
    Χʔυ"Ͱങ͍·͢
    ը໘Πϝʔδ͸IUUQTXXXTNCDDBSEDPNEFCJUGFBUVSFETFDVSFKTQΑΓ
    

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37. 
    %ηΩϡΞͱ͸Կ͔
    ຊਓೝূΛ௥Ճ
    🏪&$αΠτ 💳Χʔυձࣾ
    💁Χʔυॴ༗ऀ
    ৴༻রձ ΦʔιϦ
    
    ✅ߪೖ׬ྃ
    Χʔυ"ͷॴ༗ऀ͔ೝূཔΉʂ
    ύεϫʔυΛೖྗ͍ͯͩ͘͠͞
    KB'/!L!Ͱ͢Αʜͱ
    ຊਓೝূ0,
    ߹͍ͬͯΔͳ
    

    Ϥγʂ
    Χʔυ"Ͱങ͍·͢
    ը໘Πϝʔδ͸IUUQTXXXTNCDDBSEDPNEFCJUGFBUVSFETFDVSFKTQΑΓ
    

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38. 
    %ηΩϡΞͱ͸Կ͔
    ຊਓೝূΛ௥Ճ
    🏪&$αΠτ 💳Χʔυձࣾ
    💁Χʔυॴ༗ऀ
    ৴༻রձ ΦʔιϦ
    
    ✅ߪೖ׬ྃ
    Χʔυ"ͷॴ༗ऀ͔ೝূཔΉʂ
    ύεϫʔυΛೖྗ͍ͯͩ͘͠͞
    KB'/!L!Ͱ͢Αʜͱ
    ຊਓೝূ0,
    ߹͍ͬͯΔͳ
    

    Ϥγʂ
    Χʔυ"Ͱങ͍·͢
    ຊਓೝূ %ηΩϡΞ
    
    ը໘Πϝʔδ͸IUUQTXXXTNCDDBSEDPNEFCJUGFBUVSFETFDVSFKTQΑΓ
    

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39. 
    %ηΩϡΞͱ͸Կ͔
    ຊਓೝূΛ௥Ճ
    🏪&$αΠτ 💳Χʔυձࣾ
    💁Χʔυॴ༗ऀ
    

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40. 
    %ηΩϡΞͱ͸Կ͔
    ຊਓೝূΛ௥Ճ
    🏪&$αΠτ 💳Χʔυձࣾ
    💁Χʔυॴ༗ऀ
    😈ෆਖ਼ར༻ऀ
    

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41. 
    %ηΩϡΞͱ͸Կ͔
    ຊਓೝূΛ௥Ճ
    🏪&$αΠτ 💳Χʔυձࣾ
    💁Χʔυॴ༗ऀ
    Χʔυ"Ͱങ͍·͢
    😈ෆਖ਼ར༻ऀ
    

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42. 
    %ηΩϡΞͱ͸Կ͔
    ຊਓೝূΛ௥Ճ
    🏪&$αΠτ 💳Χʔυձࣾ
    💁Χʔυॴ༗ऀ
    Χʔυ"ͷॴ༗ऀ͔ೝূཔΉʂ
    ύεϫʔυΛೖྗ͍ͯͩ͘͠͞
    Χʔυ"Ͱങ͍·͢
    ຊਓೝূ %ηΩϡΞ
    
    😈ෆਖ਼ར༻ऀ
    

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43. 
    %ηΩϡΞͱ͸Կ͔
    ຊਓೝূΛ௥Ճ
    🏪&$αΠτ 💳Χʔυձࣾ
    💁Χʔυॴ༗ऀ
    Χʔυ"ͷॴ༗ऀ͔ೝূཔΉʂ
    ύεϫʔυΛೖྗ͍ͯͩ͘͠͞
    QBTTXPSEͰ͢Αʜͱ
    Χʔυ"Ͱങ͍·͢
    ຊਓೝূ %ηΩϡΞ
    
    😈ෆਖ਼ར༻ऀ
    

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44. 
    %ηΩϡΞͱ͸Կ͔
    ຊਓೝূΛ௥Ճ
    🏪&$αΠτ 💳Χʔυձࣾ
    💁Χʔυॴ༗ऀ
    Χʔυ"ͷॴ༗ऀ͔ೝূཔΉʂ
    ύεϫʔυΛೖྗ͍ͯͩ͘͠͞
    QBTTXPSEͰ͢Αʜͱ
    ຊਓೝূ/(
    ؒҧ͍ͬͯΔʂ
    

    ຊਓͰ͸ͳ͍ʂ
    Χʔυ"Ͱങ͍·͢
    ຊਓೝূ %ηΩϡΞ
    
    😈ෆਖ਼ར༻ऀ
    

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45. 
    %ηΩϡΞͱ͸Կ͔
    ຊਓೝূΛ௥Ճ
    🏪&$αΠτ 💳Χʔυձࣾ
    💁Χʔυॴ༗ऀ
    ৴༻রձ ΦʔιϦ
    ͸ߦΘΕͳ͍
    ❌ߪೖࣦഊ
    Χʔυ"ͷॴ༗ऀ͔ೝূཔΉʂ
    ύεϫʔυΛೖྗ͍ͯͩ͘͠͞
    QBTTXPSEͰ͢Αʜͱ
    ຊਓೝূ/(
    ؒҧ͍ͬͯΔʂ
    

    ຊਓͰ͸ͳ͍ʂ
    Χʔυ"Ͱങ͍·͢
    ຊਓೝূ %ηΩϡΞ
    
    😈ෆਖ਼ར༻ऀ
    ܾࡁͰ͖·ͤΜ
    

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46. 
    w %ηΩϡΞͰೝূ͠ɺΦʔιϦͰೝՄ͢Δ
    w ଞʹ΋͋ΔΧʔυܾࡁͷೝূखஈ
    w ஌ࣝೝূʢΧʔυ৘ใɺ%ηΩϡΞͰͷύεϫʔυɺ1*/ʣ
    w ॴ༗෺ೝূʢ%ηΩϡΞͰͷ051ɺ෺ཧΧʔυʣ
    w ੜମೝূʢ%ηΩϡΞͰͷੜମೝূʣ
    %ηΩϡΞ͸ೝূͷԠ༻ࣄྫ
    %ηΩϡΞͱ͸Կ͔
    

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47. 
    %ηΩϡΞͱ͸Կ͔
    IUUQTXXXKJUFDJQBHPKQ@IBOOJ@TVLJSVNPOEBJ@LBJUPV@S@PDUSP@TD@BN@RTQEG
    ࢼݧʹग़·͢
    

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48. %ηΩϡΞ
    

    %FNP
    

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49. 
    %ηΩϡΞɺ೥ͷาΈ
    

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50. 
    ղܾ͍ͨ͠՝୊͸
    ʮΦϯϥΠϯͷΧʔυܾࡁʹ͓͚Δෆਖ਼ར༻ʯ
    

    ͔͜͜Β͸ͲͷΑ͏ʹղܾΛࢼΈ͖͔ͯͨͷྺ࢙
    %ηΩϡΞɺ೥ͷาΈ
    

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51. 
    %ηΩϡΞͷྺ࢙
    IUUQTETFDVSFDPNUJNFMJOFΛϕʔεʹ࡞੒
    
    ओཁΧʔυϒϥϯυ
    

    %4ഇࢭ
    
    &.7$P͕
    

    %4࢓༷ެ։
    
    7JTB͕
    

    %4ఏڙ։࢝
    
    
    
    %ηΩϡΞɺ೥ͷาΈ
    

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52. 
    %ηΩϡΞ࣌୅
    
    ओཁΧʔυϒϥϯυ
    

    %4ഇࢭ
    
    &.7$P͕
    

    %4࢓༷ެ։
    
    7JTB͕
    

    %4ఏڙ։࢝
    
    
    
    %ηΩϡΞɺ೥ͷาΈ
    

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53. 
    w ʮऔҾ࣌ͷຊਓೝূ͕ͳ͍ʯͱ͍
    ͏݀Λ࠹͙ͱ͜Ζ͔Βελʔτ
    w ύεϫʔυʹΑΔ஌ࣝೝূͷΈ
    w 7JTB͕ઌಋ͠ɺ֤ࣾ΋௥ैରԠ
    %ηΩϡΞ࣌୅
    7JTB
    7FSJ
    fi
    FECZ7JTB
    

    ޙʹ7JTB4FDVSF
    
    .BTUFSDBSE
    4FDVSF$PEF
    

    ޙʹ*EFOUJUZ$IFDL
    
    "NFSJDBO
    

    &YQSFTT
    4BGF,FZ
    +$# +4FDVSF
    %ηΩϡΞɺ೥ͷาΈ
    

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54. 
    💁🛍
    💳🏢 🏪🛒
    ࣄલʹ
    

    Χʔυൃߦ ΦϯϥΠϯܾࡁ
    Χʔυձࣾʹ
    

    ܾࡁՄ൱Λ໰͍߹Θͤ
    Χʔυձࣾ͸
    

    ܾࡁՄ൱ΛԠ౴
    ࣮ଶ
    %ηΩϡΞɺ೥ͷาΈ
    

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55. 
    💁🛍
    💳🏢 🏪🛒
    %4ϓϩτίϧ
    

    ఆΊͨͷͰ֤ҐΑΖ͘͠
    ࣄલʹ
    

    Χʔυൃߦ ΦϯϥΠϯܾࡁ
    Χʔυձࣾʹ
    

    ܾࡁՄ൱Λ໰͍߹Θͤ
    Χʔυձࣾ͸
    

    ܾࡁՄ൱ΛԠ౴
    ࣮ଶ
    %ηΩϡΞɺ೥ͷาΈ
    

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56. 
    💁🛍
    💳🏢 🏪🛒
    %4ϓϩτίϧ
    

    ఆΊͨͷͰ֤ҐΑΖ͘͠
    γεςϜΛ
    

    վम͠ͳ͍ͱ
    γεςϜΛ
    

    վम͠ͳ͍ͱ
    ࣄલʹ
    

    Χʔυൃߦ ΦϯϥΠϯܾࡁ
    Χʔυձࣾʹ
    

    ܾࡁՄ൱Λ໰͍߹Θͤ
    Χʔυձࣾ͸
    

    ܾࡁՄ൱ΛԠ౴
    ࣮ଶ
    %ηΩϡΞɺ೥ͷาΈ
    

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57. 
    💁🛍
    💳🏢 🏪🛒
    %4ϓϩτίϧ
    

    ఆΊͨͷͰ֤ҐΑΖ͘͠
    ύεϫʔυΛΧʔυձࣾ
    ʹࣄલొ࿥ʁ
    γεςϜΛ
    

    վम͠ͳ͍ͱ
    γεςϜΛ
    

    վम͠ͳ͍ͱ
    ࣄલʹ
    

    Χʔυൃߦ ΦϯϥΠϯܾࡁ
    Χʔυձࣾʹ
    

    ܾࡁՄ൱Λ໰͍߹Θͤ
    Χʔυձࣾ͸
    

    ܾࡁՄ൱ΛԠ౴
    ࣮ଶ
    %ηΩϡΞɺ೥ͷาΈ
    

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58. 
    %ηΩϡΞͷ՝୊
    🔐ೝূํࣜ શऔҾͰύεϫʔυೝূ࣮ࢪ😩
    💰$73
    ೝূը໘ભҠʹΑΔΧΰམͪൃੜ🛒
    

    ύεϫʔυೝ஌౓ͷ௿͞ʹΑΔೖྗͷखؒ🤯
    📱ϞόΠϧ
    ϒϥ΢βऔҾͷΈ
    

    ϞόΠϧΞϓϦͰ͸8FC7JFX
    ϓϩτίϧͳͷͰ🏪͓ళͱ🏢Χʔυձࣾͷ྆ํ͕ରԠ͠ͳ͍ͱ͍͚ͳ͍
    

    ʹ΋͔͔ΘΒͣಋೖʹ͋ͨͬͯϋʔυϧ͕͋ͬͨ
    %ηΩϡΞɺ೥ͷาΈ
    

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59. 
    %4૯ׅ
    ిࢠ঎औҾͷηΩϡϦςΟ޲্͸෦෼తʹՌͨͤͨ
    

    ͔͠͠ϢʔβϏϦςΟ͸௿Լ͠ɺීٴ΋͍·͍ͪ
    ηΩϡϦςΟ✅ ϢʔβϏϦςΟ❌
    %ηΩϡΞɺ೥ͷาΈ
    

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60. 
    %ηΩϡΞ࢓༷ެ։
    &.7$P͸Χʔυܾࡁͷ҆શͱීٴଅਐ͢Δࠃࡍஂମ
    
    ओཁΧʔυϒϥϯυ
    

    %4ഇࢭ
    
    &.7$P͕
    

    %4࢓༷ެ։
    
    7JTB͕
    

    %4ఏڙ։࢝
    
    
    
    %ηΩϡΞɺ೥ͷาΈ
    

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61. 
    %ηΩϡΞ %ηΩϡΞ
    🔐ೝূํࣜ શऔҾͰύεϫʔυೝূ࣮ࢪ
    ϦεΫϕʔεೝূ
    

    051΍ੜମೝূ΋ར༻Մೳ
    💰$73
    ೝূը໘ભҠʹΑΔΧΰམͪൃੜ
    

    ύεϫʔυೝ஌౓ͷ௿͞ʹΑΔೖྗͷखؒ
    େ൒ͷऔҾͰ͸ೝূ͕ෆཁ
    

    ܾࡁॲཧ࣌ؒΛ୹ॖ
    📱ϞόΠϧ
    ϒϥ΢βऔҾͷΈ
    

    ϞόΠϧΞϓϦͰ͸8FC7JFX
    ϞόΠϧΞϓϦରԠ
    ➕ͦͷଞ ܾࡁ෼໺ͷΈରԠ
    ܾࡁΛ൐Θͳ͍औҾ΋ར༻Ͱ͖Δ
    

    ϦεΫ൑அͷͨΊʹΑΓଟ͘ͷ৘ใΛར༻ʢഒʣ
    %ηΩϡΞɺ೥ͷาΈ
    

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62. 
    💁🛍
    💳🏢 🏪🛒
    ΦϯϥΠϯܾࡁ
    ϦεΫϕʔεೝূ
    %ηΩϡΞɺ೥ͷาΈ
    

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63. 
    💁🛍
    💳🏢 🏪🛒
    ΦϯϥΠϯܾࡁ
    Χʔυձࣾʹ
    

    %4Λཁٻ
    ܾࡁՄ൱Λ໰͍߹ΘͤΔલʹ
    

    ຊਓೝূΛཁٻ͠Α͏
    ϦεΫϕʔεೝূ
    %ηΩϡΞɺ೥ͷาΈ
    

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64. 
    💁🛍
    💳🏢 🏪🛒
    ΦϯϥΠϯܾࡁ
    Χʔυձࣾʹ
    

    %4Λཁٻ
    ʮ͜ͷऔҾͷϦεΫ͸ͲΕ͙Β͍͔ʁʯ
    Λࢉग़ͯ࣍͠ͷεςοϓΛܾఆ͢Δ
    ܾࡁՄ൱Λ໰͍߹ΘͤΔલʹ
    

    ຊਓೝূΛཁٻ͠Α͏
    ϦεΫϕʔεೝূ
    %ηΩϡΞɺ೥ͷาΈ
    

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65. 
    w ਺ඦͷύϥϝʔλΛΠϯϓοτͱ
    ͯ͠ϦεΫείΞΛࢉग़
    w ϦεΫείΞʹԠͯ࣍͡ͷεςο
    ϓΛܾఆ
    w ͦͷଞʮಛఆͷࠃɾ௨՟ɾ͓ళͷ
    ܾࡁ͸Ұ཯/(ʯͷΑ͏ͳ೚ҙͷ
    ϧʔϧΛ௥ՃՄೳ
    ϦεΫ൑ఆॲཧΠϝʔδ
    ϦεΫ൑ఆͷϩδοΫ͸ΧʔυձࣾʹΑ༷ͬͯʑ
    %ηΩϡΞɺ೥ͷาΈ
    

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66. 
    💁🛍
    💳🏢 🏪🛒
    ΦϯϥΠϯܾࡁ
    Χʔυձࣾʹ
    

    %4Λཁٻ
    ௿ϦεΫͷͱ͖
    %ηΩϡΞɺ೥ͷาΈ
    

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67. 
    💁🛍
    💳🏢 🏪🛒
    ΦϯϥΠϯܾࡁ
    Χʔυձࣾʹ
    

    %4Λཁٻ
    ຊਓೝূ͸εΩοϓͯ͠
    

    ܾࡁΛਐΊͯ0,ʂ
    ௿ϦεΫͷͱ͖
    %ηΩϡΞɺ೥ͷาΈ
    

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68. 
    💁🛍
    💳🏢 🏪🛒
    ΦϯϥΠϯܾࡁ
    Χʔυձࣾʹ
    

    %4Λཁٻ
    ຊਓೝূ͸εΩοϓͯ͠
    

    ܾࡁΛਐΊͯ0,ʂ
    ௿ϦεΫͷͱ͖
    ϑϦΫγϣϯϨεϑϩʔ
    %ηΩϡΞɺ೥ͷาΈ
    

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69. 
    💁🛍
    💳🏢 🏪🛒
    ΦϯϥΠϯܾࡁ
    Χʔυձࣾʹ
    

    %4Λཁٻ
    ߴϦεΫͷͱ͖
    %ηΩϡΞɺ೥ͷาΈ
    

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70. 
    💁🛍
    💳🏢 🏪🛒
    ΦϯϥΠϯܾࡁ
    Χʔυձࣾʹ
    

    %4Λཁٻ
    ຊਓೝূ͢Δ·Ͱ΋ͳ͍
    

    औҾΛࣦഊͤͯ͘͞Εʂ
    ߴϦεΫͷͱ͖
    %ηΩϡΞɺ೥ͷาΈ
    

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71. 
    💁🛍
    💳🏢 🏪🛒
    ΦϯϥΠϯܾࡁ
    Χʔυձࣾʹ
    

    %4Λཁٻ
    ຊਓೝূ͢Δ·Ͱ΋ͳ͍
    

    औҾΛࣦഊͤͯ͘͞Εʂ
    ߴϦεΫͷͱ͖
    %ηΩϡΞɺ೥ͷาΈ
    ϑϦΫγϣϯϨεϑϩʔ
    

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72. 
    💁🛍
    💳🏢 🏪🛒
    ΦϯϥΠϯܾࡁ
    Χʔυձࣾʹ
    

    %4Λཁٻ
    தϦεΫͷͱ͖
    %ηΩϡΞɺ೥ͷาΈ
    

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73. 
    💁🛍
    💳🏢 🏪🛒
    ΦϯϥΠϯܾࡁ
    Χʔυձࣾʹ
    

    %4Λཁٻ
    ຊਓ͔Ͳ͏͔Λ֬ೝ͠Α͏
    தϦεΫͷͱ͖
    %ηΩϡΞɺ೥ͷาΈ
    

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74. 
    💁🛍
    💳🏢 🏪🛒
    ΦϯϥΠϯܾࡁ
    Χʔυձࣾʹ
    

    %4Λཁٻ
    ຊਓ͔Ͳ͏͔Λ֬ೝ͠Α͏
    தϦεΫͷͱ͖
    νϟϨϯδϑϩʔ
    %ηΩϡΞɺ೥ͷาΈ
    

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75. 
    νϟϨϯδϑϩʔ
    IUUQTTVQQPSUCKQIDKBBSUJDMFT%ηΩϡΞೝূͷํ๏ΑΓ
    %ηΩϡΞɺ೥ͷาΈ
    

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76. 
    %4૯ׅ
    ిࢠ঎औҾͰηΩϡϦςΟͱϢʔβϏϦςΟΛ
    

    ཱ྆͢Δ࢓૊Έ͕Α͏΍͘ग़དྷͨ
    ηΩϡϦςΟ✅ ϢʔβϏϦςΟ✅
    %ηΩϡΞɺ೥ͷาΈ
    

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77. 
    ೥݄ɺ%4ഇࢭ
    &.7$P͸Χʔυܾࡁͷ҆શͱීٴଅਐ͢Δࠃࡍஂମ
    
    ओཁΧʔυϒϥϯυ
    

    %4ഇࢭ
    
    &.7$P͕
    

    %4࢓༷ެ։
    
    7JTB͕
    

    %4ఏڙ։࢝
    
    
    
    %ηΩϡΞɺ೥ͷาΈ
    

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78. 
    %ηΩϡΞɺ೥ͷาΈ
    IUUQTXXXDBSEJOBMDPNNFSDFDPNDPOUFOUIVCJOEVTUSZOFXTUIFTVOTFUPGET
    

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79. 
    ֤هࣄ63-͸ࢿྉ຤ඌʹهࡌ
    %ηΩϡΞɺ೥ͷาΈ
    

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80. 
    w 🪦ओཁΧʔυϒϥϯυ͕଍ฒΈἧ͑ͯ%4ͷαϙʔτऴྃ
    w ❌ऴྃҎ߱ɺ͓ళ͔Βͷ%4ೝূϦΫΤετ͸શͯΤϥʔ
    w 👮%4ʹରԠ͍ͯ͠ͳ͍Ճໍళ͸ຊਓೝূ͕Ͱ͖ͣɺෆਖ਼ൃ
    ੜ࣌ͷ੹೚Λෛ͏
    w Έͳ͞Μͷӡ༻͢Δ8FCαʔϏε͸େৎ෉Ͱ͔͢ʁ
    %4αϙʔτऴྃ
    %ηΩϡΞɺ೥ͷาΈ
    

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81. 
    %ηΩϡΞɺ೥ͷาΈ
    IUUQTOFXTNZOBWJKQUFDIQMVTBSUJDMF
    

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82. %ηΩϡΞϓϩτίϧೖ໳
    

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83. 
    %ηΩϡΞϓϩτίϧೖ໳
    w %ηΩϡΞϓϩτίϧ͸͔ͳΓෳࡶ
    w &.7%4FDVSF1SPUPDPMBOE$PSF'VODUJPOT
    4QFDJ
    fi
    DBUJPOͱ͍͏ϖʔδ௒ʹΘͨΔٕज़࢓༷͕͋Δ
    w ຊࢿྉͰ͸ೖ໳Ϩϕϧͱͯ͠؆ུԽ͠ɺΞʔΩςΫνϟϨϕϧͷ
    ֓આʹཹΊΔ
    IUUQTXXXFNWDPDPNFNWUFDIOPMPHJFTETFDVSF
    

    ͜ΕҎ߱͸શͯ%4ͷ࿩ͱͳΔʢ%4ʹ͜Ε͔ΒରԠ͢Δਓ͸͍ͳ͍ͨΊʣ
    

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84. 
    %4͸*&5'ʹΑΔ3'$΍*40ʹ
    

    ґڌ͢ΔܗͰઃܭ͞Ε͍ͯΔ
    1SPUPDPMBOE$PSF'VODUJPOT4QFDJ
    fi
    DBUJPOdΑΓ
    %ηΩϡΞϓϩτίϧೖ໳
    

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85. 
    💁🛍
    💳🏢 🏪🛒
    ΦϯϥΠϯܾࡁ
    Χʔυձࣾʹ
    

    %4Λཁٻ
    ຊਓೝূ͸εΩοϓͯ͠
    

    ܾࡁΛਐΊͯ0,ʂ
    ࠶ܝ
    ϑϦΫγϣϯϨεϑϩʔ
    %ηΩϡΞϓϩτίϧೖ໳
    

    View Slide

86. 
    💁📱
    💳🏢
    🏪🛒
    ͓ళ %43FRVFTUPS
    
    *TTVFS%PNBJO *OUFSPQFSBCJMJUZ%PNBJO "DRVJSFS%PNBJO
    📗
    σόΠε
    Χʔυձࣾ *TTVFS
    
    %JSFDUPSZ4FSWFS
    🖥
    "DDFTT$POUSPM4FSWFS
    🎣🏢
    ͓ళΛ։୓ɾܖ໿͢Δ
    

    ձࣾ "DRVJSFS
    
    Χʔυϒϥϯυ
    %ηΩϡΞϓϩτίϧೖ໳ɹɹɹɹɹϑϦΫγϣϯϨεϑϩʔ
    փ৭ͷ໼ҹ͸%4࢓༷ͷ֎ଆ
    

    View Slide

87. 
    💁📱
    💳🏢
    🏪🛒
    ͓ళ %43FRVFTUPS
    
    *TTVFS%PNBJO *OUFSPQFSBCJMJUZ%PNBJO "DRVJSFS%PNBJO
    📗
    σόΠε
    Χʔυձࣾ *TTVFS
    
    %JSFDUPSZ4FSWFS
    🖥
    "DDFTT$POUSPM4FSWFS
    🎣🏢
    ͓ళΛ։୓ɾܖ໿͢Δ
    

    ձࣾ "DRVJSFS
    
    Χʔυϒϥϯυ
    %ηΩϡΞϓϩτίϧೖ໳ɹɹɹɹɹϑϦΫγϣϯϨεϑϩʔ
    փ৭ͷ໼ҹ͸%4࢓༷ͷ֎ଆ
    ᶃ%4༻ͷ৘ใΛૹ৴
    

    View Slide

88. 
    💁📱
    💳🏢
    🏪🛒
    ͓ళ %43FRVFTUPS
    
    *TTVFS%PNBJO *OUFSPQFSBCJMJUZ%PNBJO "DRVJSFS%PNBJO
    📗
    σόΠε
    Χʔυձࣾ *TTVFS
    
    %JSFDUPSZ4FSWFS
    🖥
    "DDFTT$POUSPM4FSWFS
    🎣🏢
    ͓ళΛ։୓ɾܖ໿͢Δ
    

    ձࣾ "DRVJSFS
    
    Χʔυϒϥϯυ
    %ηΩϡΞϓϩτίϧೖ໳ɹɹɹɹɹϑϦΫγϣϯϨεϑϩʔ
    փ৭ͷ໼ҹ͸%4࢓༷ͷ֎ଆ
    ᶄ"3FR
    ᶃ%4༻ͷ৘ใΛૹ৴
    

    View Slide

89. 
    💁📱
    💳🏢
    🏪🛒
    ͓ళ %43FRVFTUPS
    
    *TTVFS%PNBJO *OUFSPQFSBCJMJUZ%PNBJO "DRVJSFS%PNBJO
    📗
    σόΠε
    Χʔυձࣾ *TTVFS
    
    %JSFDUPSZ4FSWFS
    🖥
    "DDFTT$POUSPM4FSWFS
    🎣🏢
    ͓ళΛ։୓ɾܖ໿͢Δ
    

    ձࣾ "DRVJSFS
    
    Χʔυϒϥϯυ
    %ηΩϡΞϓϩτίϧೖ໳ɹɹɹɹɹϑϦΫγϣϯϨεϑϩʔ
    փ৭ͷ໼ҹ͸%4࢓༷ͷ֎ଆ
    ᶄ"3FR
    ᶃ%4༻ͷ৘ใΛૹ৴
    ᶄ"3FR
    

    View Slide

90. 
    💁📱
    💳🏢
    🏪🛒
    ͓ళ %43FRVFTUPS
    
    *TTVFS%PNBJO *OUFSPQFSBCJMJUZ%PNBJO "DRVJSFS%PNBJO
    📗
    σόΠε
    Χʔυձࣾ *TTVFS
    
    %JSFDUPSZ4FSWFS
    🖥
    "DDFTT$POUSPM4FSWFS
    🎣🏢
    ͓ళΛ։୓ɾܖ໿͢Δ
    

    ձࣾ "DRVJSFS
    
    Χʔυϒϥϯυ
    %ηΩϡΞϓϩτίϧೖ໳ɹɹɹɹɹϑϦΫγϣϯϨεϑϩʔ
    փ৭ͷ໼ҹ͸%4࢓༷ͷ֎ଆ
    ᶄ"3FR
    ᶃ%4༻ͷ৘ใΛૹ৴
    ᶅ"3FT
    ᶄ"3FR
    ᶅ"3FT
    

    View Slide

91. 
    💁📱
    💳🏢
    🏪🛒
    ͓ళ %43FRVFTUPS
    
    *TTVFS%PNBJO *OUFSPQFSBCJMJUZ%PNBJO "DRVJSFS%PNBJO
    📗
    σόΠε
    Χʔυձࣾ *TTVFS
    
    %JSFDUPSZ4FSWFS
    🖥
    "DDFTT$POUSPM4FSWFS
    🎣🏢
    ͓ళΛ։୓ɾܖ໿͢Δ
    

    ձࣾ "DRVJSFS
    
    Χʔυϒϥϯυ
    %ηΩϡΞϓϩτίϧೖ໳ɹɹɹɹɹϑϦΫγϣϯϨεϑϩʔ
    փ৭ͷ໼ҹ͸%4࢓༷ͷ֎ଆ
    ᶄ"3FR
    ᶃ%4༻ͷ৘ใΛૹ৴
    ᶆ"3FTͷ݁Ռ௨஌
    ᶅ"3FT
    ᶄ"3FR
    ᶅ"3FT
    

    View Slide

92. 
    💁📱
    💳🏢
    🏪🛒
    ͓ళ %43FRVFTUPS
    
    *TTVFS%PNBJO *OUFSPQFSBCJMJUZ%PNBJO "DRVJSFS%PNBJO
    📗
    σόΠε
    Χʔυձࣾ *TTVFS
    
    %JSFDUPSZ4FSWFS
    🖥
    "DDFTT$POUSPM4FSWFS
    🎣🏢
    ͓ళΛ։୓ɾܖ໿͢Δ
    

    ձࣾ "DRVJSFS
    
    Χʔυϒϥϯυ
    %ηΩϡΞϓϩτίϧೖ໳ɹɹɹɹɹϑϦΫγϣϯϨεϑϩʔ
    փ৭ͷ໼ҹ͸%4࢓༷ͷ֎ଆ
    ᶄ"3FR
    ᶃ%4༻ͷ৘ใΛૹ৴
    ᶆ"3FTͷ݁Ռ௨஌
    ᶇܾࡁϦΫΤετ
    ᶅ"3FT
    ᶄ"3FR
    ᶅ"3FT
    

    View Slide

93. 
    💁📱
    💳🏢
    🏪🛒
    ͓ళ %43FRVFTUPS
    
    *TTVFS%PNBJO *OUFSPQFSBCJMJUZ%PNBJO "DRVJSFS%PNBJO
    📗
    σόΠε
    Χʔυձࣾ *TTVFS
    
    %JSFDUPSZ4FSWFS
    🖥
    "DDFTT$POUSPM4FSWFS
    🎣🏢
    ͓ళΛ։୓ɾܖ໿͢Δ
    

    ձࣾ "DRVJSFS
    
    Χʔυϒϥϯυ
    %ηΩϡΞϓϩτίϧೖ໳ɹɹɹɹɹϑϦΫγϣϯϨεϑϩʔ
    փ৭ͷ໼ҹ͸%4࢓༷ͷ֎ଆ
    ᶄ"3FR
    ᶃ%4༻ͷ৘ใΛૹ৴
    ᶆ"3FTͷ݁Ռ௨஌
    ᶇܾࡁϦΫΤετ
    ᶈΦʔιϦ
    ᶅ"3FT
    ᶄ"3FR
    ᶅ"3FT
    

    View Slide

94. 
    ຊਓ͔Ͳ͏͔Λ֬ೝ͠Α͏
    ࠶ܝ
    νϟϨϯδϑϩʔ
    %ηΩϡΞϓϩτίϧೖ໳
    💁🛍
    💳🏢 🏪🛒
    ΦϯϥΠϯܾࡁ
    Χʔυձࣾʹ
    

    %4Λཁٻ
    

    View Slide

95. 
    💁📱
    💳🏢
    🏪🛒
    ͓ళ %43FRVFTUPS
    
    *TTVFS%PNBJO *OUFSPQFSBCJMJUZ%PNBJO "DRVJSFS%PNBJO
    📗
    σόΠε
    Χʔυձࣾ *TTVFS
    
    %JSFDUPSZ4FSWFS
    🖥
    "DDFTT$POUSPM4FSWFS
    🎣🏢
    ͓ళΛ։୓ɾܖ໿͢Δ
    

    ձࣾ "DRVJSFS
    
    Χʔυϒϥϯυ
    %ηΩϡΞϓϩτίϧೖ໳ɹɹɹɹɹνϟϨϯδϑϩʔ
    փ৭ͷ໼ҹ͸%4࢓༷ͷ֎ଆ
    

    View Slide

96. 
    💁📱
    💳🏢
    🏪🛒
    ͓ళ %43FRVFTUPS
    
    *TTVFS%PNBJO *OUFSPQFSBCJMJUZ%PNBJO "DRVJSFS%PNBJO
    📗
    σόΠε
    Χʔυձࣾ *TTVFS
    
    %JSFDUPSZ4FSWFS
    🖥
    "DDFTT$POUSPM4FSWFS
    🎣🏢
    ͓ళΛ։୓ɾܖ໿͢Δ
    

    ձࣾ "DRVJSFS
    
    Χʔυϒϥϯυ
    %ηΩϡΞϓϩτίϧೖ໳ɹɹɹɹɹνϟϨϯδϑϩʔ
    փ৭ͷ໼ҹ͸%4࢓༷ͷ֎ଆ
    ᶃ%4༻ͷ৘ใΛૹ৴
    

    View Slide

97. 
    💁📱
    💳🏢
    🏪🛒
    ͓ళ %43FRVFTUPS
    
    *TTVFS%PNBJO *OUFSPQFSBCJMJUZ%PNBJO "DRVJSFS%PNBJO
    📗
    σόΠε
    Χʔυձࣾ *TTVFS
    
    %JSFDUPSZ4FSWFS
    🖥
    "DDFTT$POUSPM4FSWFS
    🎣🏢
    ͓ళΛ։୓ɾܖ໿͢Δ
    

    ձࣾ "DRVJSFS
    
    Χʔυϒϥϯυ
    %ηΩϡΞϓϩτίϧೖ໳ɹɹɹɹɹνϟϨϯδϑϩʔ
    փ৭ͷ໼ҹ͸%4࢓༷ͷ֎ଆ
    ᶄ"3FR
    ᶃ%4༻ͷ৘ใΛૹ৴
    

    View Slide

98. 
    💁📱
    💳🏢
    🏪🛒
    ͓ళ %43FRVFTUPS
    
    *TTVFS%PNBJO *OUFSPQFSBCJMJUZ%PNBJO "DRVJSFS%PNBJO
    📗
    σόΠε
    Χʔυձࣾ *TTVFS
    
    %JSFDUPSZ4FSWFS
    🖥
    "DDFTT$POUSPM4FSWFS
    🎣🏢
    ͓ళΛ։୓ɾܖ໿͢Δ
    

    ձࣾ "DRVJSFS
    
    Χʔυϒϥϯυ
    %ηΩϡΞϓϩτίϧೖ໳ɹɹɹɹɹνϟϨϯδϑϩʔ
    փ৭ͷ໼ҹ͸%4࢓༷ͷ֎ଆ
    ᶄ"3FR
    ᶃ%4༻ͷ৘ใΛૹ৴
    ᶄ"3FR
    

    View Slide

99. 
    💁📱
    💳🏢
    🏪🛒
    ͓ళ %43FRVFTUPS
    
    *TTVFS%PNBJO *OUFSPQFSBCJMJUZ%PNBJO "DRVJSFS%PNBJO
    📗
    σόΠε
    Χʔυձࣾ *TTVFS
    
    %JSFDUPSZ4FSWFS
    🖥
    "DDFTT$POUSPM4FSWFS
    🎣🏢
    ͓ళΛ։୓ɾܖ໿͢Δ
    

    ձࣾ "DRVJSFS
    
    Χʔυϒϥϯυ
    %ηΩϡΞϓϩτίϧೖ໳ɹɹɹɹɹνϟϨϯδϑϩʔ
    փ৭ͷ໼ҹ͸%4࢓༷ͷ֎ଆ
    ᶄ"3FR
    ᶃ%4༻ͷ৘ใΛૹ৴
    ᶅ"3FT
    ᶄ"3FR
    ᶅ"3FT
    

    View Slide

100. 
     💁📱
     💳🏢
     🏪🛒
     ͓ళ %43FRVFTUPS
     
     *TTVFS%PNBJO *OUFSPQFSBCJMJUZ%PNBJO "DRVJSFS%PNBJO
     📗
     σόΠε
     Χʔυձࣾ *TTVFS
     
     %JSFDUPSZ4FSWFS
     🖥
     "DDFTT$POUSPM4FSWFS
     🎣🏢
     ͓ళΛ։୓ɾܖ໿͢Δ
     

     ձࣾ "DRVJSFS
     
     Χʔυϒϥϯυ
     %ηΩϡΞϓϩτίϧೖ໳ɹɹɹɹɹνϟϨϯδϑϩʔ
     փ৭ͷ໼ҹ͸%4࢓༷ͷ֎ଆ
     ᶄ"3FR
     ᶃ%4༻ͷ৘ใΛૹ৴
     ᶆ"3FTͷ݁Ռ௨஌
     ᶅ"3FT
     ᶄ"3FR
     ᶅ"3FT
     

     View Slide

101. 
     💁📱
     💳🏢
     🏪🛒
     ͓ళ %43FRVFTUPS
     
     *TTVFS%PNBJO *OUFSPQFSBCJMJUZ%PNBJO "DRVJSFS%PNBJO
     📗
     σόΠε
     Χʔυձࣾ *TTVFS
     
     %JSFDUPSZ4FSWFS
     🖥
     "DDFTT$POUSPM4FSWFS
     🎣🏢
     ͓ళΛ։୓ɾܖ໿͢Δ
     

     ձࣾ "DRVJSFS
     
     Χʔυϒϥϯυ
     %ηΩϡΞϓϩτίϧೖ໳ɹɹɹɹɹνϟϨϯδϑϩʔ
     փ৭ͷ໼ҹ͸%4࢓༷ͷ֎ଆ
     ᶄ"3FR
     ᶃ%4༻ͷ৘ใΛૹ৴
     ᶆ"3FTͷ݁Ռ௨஌
     ᶅ"3FT
     ᶄ"3FR
     ᶅ"3FT
     ᶇ$3FR
     ᶈ$3FT
     

     View Slide

102. 
     💁📱
     💳🏢
     🏪🛒
     ͓ళ %43FRVFTUPS
     
     *TTVFS%PNBJO *OUFSPQFSBCJMJUZ%PNBJO "DRVJSFS%PNBJO
     📗
     σόΠε
     Χʔυձࣾ *TTVFS
     
     %JSFDUPSZ4FSWFS
     🖥
     "DDFTT$POUSPM4FSWFS
     🎣🏢
     ͓ళΛ։୓ɾܖ໿͢Δ
     

     ձࣾ "DRVJSFS
     
     Χʔυϒϥϯυ
     %ηΩϡΞϓϩτίϧೖ໳ɹɹɹɹɹνϟϨϯδϑϩʔ
     փ৭ͷ໼ҹ͸%4࢓༷ͷ֎ଆ
     ᶄ"3FR
     ᶃ%4༻ͷ৘ใΛૹ৴
     ᶉ33FRᶊ33FT
     ᶉ33FR
     ᶊ33FT
     ᶆ"3FTͷ݁Ռ௨஌
     ᶅ"3FT
     ᶄ"3FR
     ᶅ"3FT
     ᶇ$3FR
     ᶈ$3FT
     

     View Slide

103. 
     💁📱
     💳🏢
     🏪🛒
     ͓ళ %43FRVFTUPS
     
     *TTVFS%PNBJO *OUFSPQFSBCJMJUZ%PNBJO "DRVJSFS%PNBJO
     📗
     σόΠε
     Χʔυձࣾ *TTVFS
     
     %JSFDUPSZ4FSWFS
     🖥
     "DDFTT$POUSPM4FSWFS
     🎣🏢
     ͓ళΛ։୓ɾܖ໿͢Δ
     

     ձࣾ "DRVJSFS
     
     Χʔυϒϥϯυ
     %ηΩϡΞϓϩτίϧೖ໳ɹɹɹɹɹνϟϨϯδϑϩʔ
     փ৭ͷ໼ҹ͸%4࢓༷ͷ֎ଆ
     ᶄ"3FR
     ᶃ%4༻ͷ৘ใΛૹ৴
     ᶉ33FRᶊ33FT
     ᶉ33FR
     ᶊ33FT
     ᶆ"3FTͷ݁Ռ௨஌
     ᶋܾࡁϦΫΤετ
     ᶅ"3FT
     ᶄ"3FR
     ᶅ"3FT
     ᶇ$3FR
     ᶈ$3FT
     

     View Slide

104. 
     💁📱
     💳🏢
     🏪🛒
     ͓ళ %43FRVFTUPS
     
     *TTVFS%PNBJO *OUFSPQFSBCJMJUZ%PNBJO "DRVJSFS%PNBJO
     📗
     σόΠε
     Χʔυձࣾ *TTVFS
     
     %JSFDUPSZ4FSWFS
     🖥
     "DDFTT$POUSPM4FSWFS
     🎣🏢
     ͓ళΛ։୓ɾܖ໿͢Δ
     

     ձࣾ "DRVJSFS
     
     Χʔυϒϥϯυ
     %ηΩϡΞϓϩτίϧೖ໳ɹɹɹɹɹνϟϨϯδϑϩʔ
     փ৭ͷ໼ҹ͸%4࢓༷ͷ֎ଆ
     ᶄ"3FR
     ᶃ%4༻ͷ৘ใΛૹ৴
     ᶉ33FRᶊ33FT
     ᶉ33FR
     ᶊ33FT
     ᶆ"3FTͷ݁Ռ௨஌
     ᶋܾࡁϦΫΤετ
     ᶌΦʔιϦ
     ᶅ"3FT
     ᶄ"3FR
     ᶅ"3FT
     ᶇ$3FR
     ᶈ$3FT
     

     View Slide

105. 
     %ηΩϡΞϓϩτίϧೖ໳
     "3FRFYBNQMF👉
     "3FTFYBNQMF👇
     

     View Slide

106. 
     %ηΩϡΞϓϩτίϧೖ໳
     $3FRFYBNQMF👉
     $3FTFYBNQMF👉
     

     View Slide

107. 
     %ηΩϡΞϓϩτίϧೖ໳
     33FRFYBNQMF👉
     33FTFYBNQMF👉
     

     View Slide

108. 
     w (FOFSBM.FTTBHF)BOEMJOH
     w )551NFUIPE $POUFOU5ZQF &ODPEJOHFUD
     w 1BSUJBM4ZTUFN0VUBHFT
     w 5JNFPVUT
     w .FTTBHF&SSPS)BOEMJOH
     w 65$%BUFBOE5JNF
     ͦͷଞʹ΋༷ʑͳཁ݅
     %ηΩϡΞϓϩτίϧೖ໳
     

     View Slide

109. 
     w 8FCٕज़ͷ૯߹֨ಆٕ
     w ϞόΠϧؚΊͨϑϩϯτΤϯυɺόοΫΤϯυɺωοτϫʔΫ
     w ෼ࢄγεςϜ্Ͱ੒ཱ͢Δͱͯ΋ෳࡶͳϓϩτίϧ
     w ਺ઍ਺ສͷاۀ͕͜ͷ࢓༷ʹैͬͯ੒ཱ͍ͯ͠Δ
     w ܦࡁతΠϯηϯςΟϒɺ੓࣏తѹྗʢ&6ݍ಺ʹ͓͚Δ4$"ʣ
     %4ϓϩτίϧͷ͕͍͜͜͢͝બ
     %ηΩϡΞϓϩτίϧೖ໳
     

     View Slide

110. 
     Χʔυձࣾͷ%ηΩϡΞӡ༻
     

     View Slide

111. 
     %4͸ಋೖͨ͠ΒͦΕͰऴΘΓͰ͸ͳ͍
     ηΩϡϦςΟͱϢʔβϏϦςΟཱ͕྆Ͱ͖Δ͔͸ӡ༻࣍ୈ
     ͔͜͜Βઌ͸%4ʹରԠͨ͠Χʔυձࣾࢹ఺Ͱͷ࿩
     Χʔυձࣾͷ%ηΩϡΞӡ༻
     

     View Slide

112. 
     💁🛍
     💳🏢 🏪🛒
     ΦϯϥΠϯܾࡁ
     Χʔυձࣾʹ
     

     %4Λཁٻ
     ʮ͜ͷऔҾͷϦεΫ͸ͲΕ͙Β͍͔ʁʯ
     Λࢉग़ͯ࣍͠ͷεςοϓΛܾఆ͢Δ
     ܾࡁՄ൱Λ໰͍߹ΘͤΔલʹ
     

     ຊਓೝূΛཁٻ͠Α͏
     ࠶ܝ
     ϦεΫϕʔεೝূ
     Χʔυձࣾͷ%ηΩϡΞӡ༻
     

     View Slide

113. 
     w ηΩϡϦςΟͱϢʔβϏϦςΟཱ͕྆͢Δ͔͸ओʹϦεΫධՁ࣍ୈ
     w ͭͷऔҾͷϦεΫΛධՁ͢ΔͨΊͷม਺͸਺ඦ͋Δ
     w ֹۚɺ௨՟ɺΧʔυ৘ใɺ੥ٻઌɾ഑ૹઌॅॴɺσόΠεɺ*1ΞυϨεɺՃໍళ৘ใɺߪങσʔλ
     w ࠷దԽ͠Α͏ͱ͢ΔͱՃໍళ୯ҐͰͷϦεΫ൑ఆ͕ඞཁ
     w FHߴڃ࣌ܭ&$αΠτͰສԁͷܾࡁ͸Ұൠతͱ͍͑Δ͕ɺϑʔυσϦόϦʔͰສԁ͸ո͍͠
     w Χʔυձࣾݸผͷ࣮ଶʹ߹Θͤͯௐ੔͢Δඞཁ͕͋Δ
     w ΧʔυձࣾʹΑͬͯऔҾ͞ΕΔՃໍళͷ܏޲͸ҟͳΔ
     w ΧʔυձࣾʹΑͬͯڐ༰Ͱ͖ΔϦεΫ͸ҟͳΔ
     ϦεΫධՁ
     ͲͷΑ͏ͳσʔλ͕ར༻͞ΕΔ͔͸&.7$PʹΑΓެ։͞Ε͍ͯΔͨΊػີ৘ใͰ͸ͳ͍
     Χʔυձࣾͷ%ηΩϡΞӡ༻
     

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114. 
     w JGϦεΫείΞ/
     w ຊਓೝূεΩοϓʢϑϦΫγϣϯϨεʣ
     w JGϦεΫείΞ.
     w औҾڋ൱ʢϑϦΫγϣϯϨεʣ
     w JG.ϦεΫείΞ/
     w νϟϨϯδϑϩʔ
     w ద੾ͳ/ͱ.Λܾఆ͠ͳ͚Ε͹ͳΒͳ͍
     ద੾ͳ͖͍͠஋ͷௐ੔
     Χʔυձࣾͷ%ηΩϡΞӡ༻
     

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115. ͲͷΑ͏ͳ਺ࣈΛݟͯҙࢥܾఆ͍ͯ͠Δ͔
     

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116. 
     ͲΕ͚ͩͷֹ͕ۚ%ηΩϡΞΛ௨ܾͯ͡ࡁ͞Εͨͷ͔
     ෆਖ਼ར༻ൃੜ࣌ͷμϝʔδΛؑΈͯɺҰൠతʹ݅਺ΑΓ΋ֹۚͷ΄͏͕ॏཁͳࢦඪͱͳΔ
     

     %ηΩϡΞະରԠͷ͓ళ Ճໍళ
     ͕·ͩ·ͩଟ͍
     Χʔυձࣾͷ%ηΩϡΞӡ༻
     

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117. 
     ϦεΫϕʔεೝূͷ൑ఆ݁Ռ
     ࠃࡍΧʔυϒϥϯυʹΑΔͱ໿d͕νϟϨϯδϑϩʔɺͦΕҎ֎͸ϑϦΫγϣϯϨεϑϩʔʹͳΔͷ͕໨҆ͱ͞ΕΔ
     Χʔυձࣾͷ%ηΩϡΞӡ༻
     

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118. 
     νϟϨϯδϑϩʔͰఏڙ͍ͯ͠Δೝূखஈ͸ద੾͔
     ೝূखஈ͝ͱͷ੒ޭɾࣦഊ཰
     ೝূखஈͷબ୒཰
     Χʔυձࣾͷ%ηΩϡΞӡ༻
     

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119. 
     w ࠷ॳ͔Βదਖ਼஋ΛܾΊΒΕΔΘ
     ͚Ͱ͸ͳ͍
     w ೔ʑ؂ࢹ͠ͳ͕Βௐ੔͍ͯ͘͠
     w ۩ମతͳ؂ࢹςΫχοΫ͸
     ,BJHJPO3BJMTͷ
     !4IPIFJ.JUBOJͷൃදΛࢀর
     ೔ʑ؂ࢹ
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     Χʔυձࣾͷ%ηΩϡΞӡ༻
     

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120. ·ͱΊ
     

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121. 
     ಋೖ
     ࿩ͨ͜͠ͱ
     💳📡 %ηΩϡΞͱ͸ిࢠ঎औҾʹೝূΛ௥Ճ͢Δ͜ͱͰෆਖ਼ߦҝΛݮΒ͢͜ͱΛ
     ໨తͱͨ͠ϓϩτίϧ
     🔐🤝 Χʔυܾࡁۀք͸೥ۙ͘ͷࡀ݄ΛܦͯɺηΩϡϦςΟͱϢʔβϏϦςΟΛ
     ཱ྆͠͏Δ࢓૊ΈΛཱ֬
     🕸🏢 ࢓૊Έ͚ͩͰ͸ෆे෼ɺ%ηΩϡΞΛ׆͔ͨ͢Ίͷڊେͳ෼ࢄγεςϜͱ஍
     ಓͳӡ༻͕ଘࡏཱͯͦ྆͜͢͠Δ
     

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122. 
     w ೥ͷύϯσϛοΫҎ߱ɺશੈ
     քͰ&$͕ྺ࢙త੒௕Λ͕ͨ͠ಉ࣌
     ʹෆਖ਼ར༻΋૿Ճ
     w ࠃ಺Ͱ͸೥ʹ͓͚ΔΧʔυෆ
     ਖ਼ར༻ͷඃ֐ֹ͸લ೥ൺׂ૿ͷ
     ԯສԁɻΧʔυ൪߸౪༻ʹ
     ΑΔඃ֐͸ˋʹ౰ͨΔԯ
     ສԁ
     ࠃ಺֎Ͱ૿͑ଓ͚Δෆਖ਼ར༻ඃ֐
     IUUQTTUSJQFDPNKQHVJEFTTUBUFPGPOMJOFGSBVE
     

     IUUQTYUFDIOJLLFJDPNBUDMOYUDPMVNO
     ·ͱΊ
     

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123. 
     ࠷ޙʹ
     ଟ͘ͷਓ͕8FCαʔϏεʹΞΫηεͰ͖ΔΑ͏ʹͳͬͨݱ୅
     🧓 Ϣʔβʔ͕ؾΛ͚ͭΔɺͰ͸ͳ͘࢓૊ΈͰղܾ͠ͳ͚Ε͹ͳΒͳ͍՝୊͕ଘ
     ࡏ͢Δ
     🤝 ηΩϡϦςΟͱϢʔβϏϦςΟͷཱ྆ࢤ޲͸ෆՄٯͳྲྀΕ
     

     ʢύεϫʔυϨεɺੜମೝূ౳ͷීٴʣ
     🌊 ྲྀΕͷதͰࠓޙੜ·ΕΔɾྲྀߦ͢Δٕज़͕Ͳ͏Ґஔ෇͚ΒΕΔ͔ʹ஫໨ͯ͠
     ͍͖͍ͨʢ8FC"VUIO QBTTLFZT $MPVE
     fl
     BSF5VSOTUJMFFUDʣ
     

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124. 
     4NBSU#BOL *OD
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     8IP*BN
     !PICBSZF
     

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125. "QQFOEJY
     

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126. 
     ࢀߟจݙ
     w Α͘Θ͔ΔೝূͱೝՄ
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     w ରԠظݶ͕ഭΔ%ηΩϡΞɹ&$αΠτʹඞཁͳରԠͱ͸ʁ
     w IUUQTFD[JOFKQBSUJDMFEFUBJM
     w Χʔυܾࡁͷʮ%ηΩϡΞʯͱ͸ʁෆਖ਼ར༻΍ηΩϡϦςΟڧԽɺνϟʔδόοΫച্ิঈܧଓʹ޲͚ͨରԠεέδϡʔϧ
     w IUUQTXXXGVUVSFTIPQKQNBHB[JOFFDETFDVSF
     w &.7%4FDVSF
     w IUUQTXXXFNWDPDPNFNWUFDIOPMPHJFTETFDVSF
     w &.7%4FDVSF1SPUPDPMBOE$PSF'VODUJPOT4QFDJ
     fi
     DBUJPOWFSTJPO
     w ωοτ௨ൢʹ͸ͼ͜ΔΫϨΧෆਖ਼ར༻΍ѱ࣭సചɺ਎όϨͳ͠ͰՔ͙ڻ͖ͷखޱͱ͸
     w IUUQTYUFDIOJLLFJDPNBUDMOYUDPMVNO
     w ΦϯϥΠϯෆਖ਼ߦҝͷݱঢ়
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     w 7JTB4FDVSFXJUI&.7%4FDVSF%FNP
     w IUUQTETWJTBEFNPDPN
     

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127. 
     ࢀߟจݙ
     w 4USPOH$VTUPNFS"VUIFOUJDBUJPOXIBUJUJTBOEIPXJUXPSLT
     w IUUQTXXXQBZNFOUTTFSWJDFHPWVLETFDVSF
     w Χʔυೝূͱ%ηΩϡΞ
     w IUUQTTUSJQFDPNEPDTQBZNFOUTETFDVSF
     w %4FDVSFDPN
     w IUUQTETFDVSFDPN
     w Χʔυܾࡁۀ຿ͷ͢΂ͯ
     w IUUQTTUPSFLJO[BJKQQVCMJDJUFNCPPL#
     w ΫϨδοτΧʔυຊਓೝূαʔϏεʢ%ηΩϡΞʣࠃࡍϒϥϯυϧʔϧͷมߋʹ͍ͭͯ
     w IUUQTXXXWFSJUSBOTDPKQEMQEGOFXT@PG@&.7%4QEG
     w %ηΩϡΞʢ&.7%ηΩϡΞʣ΁ͷ੾ସ͑ਐΉʂՃໍళ͕͢΂͖ରԠ
     w IUUQTXXXWFSJUSBOTDPKQUJQTDPMVNOFNWETFDVSFIUNM
     w ྩ࿨೥౓৘ใॲཧ҆શ֬อࢧԉ࢜ࢼݧޕલ**໰୊
     w IUUQTXXXKJUFDJQBHPKQ@IBOOJ@TVLJSVNPOEBJ@LBJUPV@S@PDUSP@TD@BN@RTQEG
     

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128. 
     ࢀߟจݙ
     w #ΧʔυܾࡁγεςϜͷ͘͠Έʢલฤʣ
     w IUUQTCMPHTNBSUCBOLDPKQFOUSZBCPVUDBSEQBZNFOUTZTUFN
     w ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽd#ͷܾࡁαʔϏεͰͷऔΓ૊Έd
     w IUUQTTQFBLFSEFDLDPNTIPIFJNJUBOJLBJHJPOSBJMT
     w )PXXFVQHSBEFE%4FDVSF
     w IUUQTNPO[PDPNCMPHIPXXFVQHSBEFEETFDVSF
     w 7JTB64"UJHIUFOTTFDVSJUZXJUI"SDPU
     w IUUQTXXX[EOFUDPNBSUJDMFWJTBVTBUJHIUFOTTFDVSJUZXJUIBSDPU
     w :BIPP+"1"/ͰͷੜମೝূͷऔΓ૊Έʢ'*%0αʔόʔͷ࢓૊Έʹ͍ͭͯʣ
     w IUUQTUFDICMPHZBIPPDPKQBEWFOUDBMFOEBSXFCBVUIO
     w $BSETBOE1BZNFOUT1BSUc&.7%4FDVSF3FRVFTU'MPXJO%FUBJMc"$4c.1*c%JSFDUPSZ4FSWFS
     w IUUQTXXXZPVUVCFDPNXBUDI W8.9T"R8JUL
     

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129. 
     ࢀߟจݙ
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     w 5IF4VOTFUPG%4
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     w ʮ+"-(MPCBM8"--&5ɹຊਓೝূαʔϏεʮ%ηΩϡΞʯಋೖʯ͓Αͼʮ+"-/&0#"/,ɾॅ৴4#*ωοτۜߦޱ࠲ৼସνϟʔδͷҰ෦௨՟ड෇ఀࢭʯ
     ʹؔ͢Δ͓஌Βͤ
     w IUUQTXXXKBMHMPCBMXBMMFUDPNCBDLOPOPUJDF@IUNM
     w Ϧϐʔτ௨ൢɾ%$z௒zಛԽܕ&$ΧʔτʮָָϦϐʔτʯ͕ʮ&.7%ηΩϡΞʢ%ηΩϡΞʣʯʹରԠʙνϟʔδόοΫൃੜ࣌ͷฦۚϦεΫΛճආʙ
     w IUUQTXXXKJKJDPNKDBSUJDMF LHQSU
     w ԣ඿%F/"ϕΠελʔζެࣜνέοταΠτʮϕΠνέʯຊਓೝূαʔϏε %ηΩϡΞʣಋೖͷ͓஌Βͤ
     w IUUQTXXXCBZTUBSTDPKQOFXT@QIQ
     w ෆਖ਼ར༻ରࡦڧԽͷͨΊຊਓೝূαʔϏεʮ%ηΩϡΞʢ&.7%ηΩϡΞʣʯʹରԠ
     w IUUQTQBZQBZOFKQOPUJDFTETFDVSF
     w ܦࡁ࢈ۀলɺࠃ಺શ&$αΠτʹ%ηΩϡΞಋೖΛٛ຿Խ΁·ͣ͸Χʔυձࣾͷମ੍Λ੔උ
     w IUUQTOFXTNZOBWJKQUFDIQMVTBSUJDMF
     

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130. 
     ࢀߟจݙ
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     fi
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     w IUUQTCMPHDMPVE
     fl
     BSFDPNUVSOTUJMFQSJWBUFDBQUDIBBMUFSOBUJWF
     w $MPVE
     fl
     BSF͕$"15$)"ͷ୅ΘΓͱͯ͠ʮ5VSOTUJMFʯΛϦϦʔεɺϢʔβʔͰ͸ͳ͘ϒϥ΢βΛςετͯ͠Ϙοτ͔Ͳ͏͔ΛݟۃΊΔ࢓૊Έͱ͸ʁ
     w IUUQTHJHB[JOFOFUOFXTDMPVE
     fl
     BSFUVSOTUJMFOPUDBQUDIB
     w ύεϫʔυͷͳ͍ੈքʹ޲͚ͯʙ5FDI'FFE$POGFSFODFߨԋΑΓ
     w IUUQTHJIZPKQBSUJDMFUGDQBTTXPSE@MFTT
     w ϢʔβϒϧηΩϡϦςΟͷ࠷৽ݚڀಈ޲ ೔ຊۜߦ৘ใηΩϡϦςΟɾηϛφʔ
     
     w IUUQTTQFBLFSEFDLDPNBZBLPIBTFHBXBVTBCMFTFDVSJUZTFNJOBS
     w ϢʔβϒϧηΩϡϦςΟͷݱࡏ/553%8FCTJUF
     w IUUQTXXXSEOUUTFDVSJUZIUNM
     w $޲͚αʔϏεͰ࢖ΘΕ͍ͯΔೝূํࣜͱ҆શͳ࢖͍ํ
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     w ೝূʹ·ͭΘΔηΩϡϦςΟͷ৽ৗࣝSFW
     w IUUQTTQFBLFSEFDLDPNLUISUUZSFO[IFOHOJNBUVXBSVTFLJZVSJUFJGBMTFYJODIBOHTIJ
     

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