ユーザーフレンドリーな取引明細のアーキテクチャ〜VISAカードの複雑性に向き合う実践例〜

by ShoheiMitani

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ϢʔβʔϑϨϯυϦʔͳ औҾ໌ࡉͷΞʔΩςΫνϟ ʙ7*4"Χʔυͷෳࡶੑʹ޲͖߹͏࣮ફྫʙ ΞʔΩςΫνϟΛಥ͖٧ΊΔ0OMJOF$POGFSFODF

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ࡾ୩ণฏ !TIPIFJ

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Smart, Secure, Mobile Super powered Banking and Living. :"1$)JSPTIJNB ϕεττʔΫ৆👏

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औҾ໌ࡉ ࠓ೔ͷςʔϚ

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ϓϦϖΠυΧʔυͷऔҾ໌ࡉ ᶃೖۚ ᶄ࢒ߴ؅ཧ ᶅܾࡁ ᶆऔҾ໌ࡉ

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ࠓ೔ͷςʔϚ ͳͥऔҾ໌ࡉΛऔΓ্͛Α͏ͱࢥͬͨͷ͔ʁ

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ࠓ೔ͷςʔϚ w σϡΞϧϝοηʔδํࣜ w ෳࡶͳܾࡁεςʔλε؅ཧ w ѻ͍ʹ͍ܾ͘ࡁ৘ใ w FUDʜ ͳͥऔҾ໌ࡉΛऔΓ্͛Α͏ͱࢥͬͨͷ͔ʁ ৄ͘͠͸ޙͰʂ

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ࠓ೔ͷςʔϚ w γϯϓϧͰ௚ײతʹ͍ͨ͠ w ΧςΰϦ෼͚ूܭͳͲͷѻ ͍΍͍ͨ͘͢͠ w σϡΞϧϝοηʔδํࣜ w ෳࡶͳܾࡁεςʔλεͷ؅ཧ w ѻ͍ʹ͍ܾ͘ࡁ৘ใ w FUDʜ औҾ໌ࡉ ͳͥऔҾ໌ࡉΛऔΓ্͛Α͏ͱࢥͬͨͷ͔ʁ

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ࠓ೔ͷςʔϚ γϯϓϧѻ͍΍͢͞ ෳࡶͰѻ͍ʹ͍͘ ੍໿ ཁ๬ औҾ໌ࡉ ͳͥऔҾ໌ࡉΛऔΓ্͛Α͏ͱࢥͬͨͷ͔ʁ

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ࠓ೔ͷςʔϚ γϯϓϧѻ͍΍͢͞ ෳࡶͰѻ͍ʹ͍͘ Ξϓϩʔνख๏ߏ੒ٕज़ ˠΞʔΩςΫνϟ ੍໿ ཁ๬ औҾ໌ࡉ ͳͥऔҾ໌ࡉΛऔΓ্͛Α͏ͱࢥͬͨͷ͔ʁ

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ࠓ೔ͷςʔϚ dDPOOQBTTઆ໌จ͔Βൈਮd lຊΧϯϑΝϨϯεͰ͸ɺ൒೔Λ௨ͯ͡ɺ͝ొஃऀͷํʑʹࠓҰ౓γεςϜͷج൫ͱͳΔΞʔΩςΫ νϟͷࢥߟ๏΍ख๏ͱ͍ͬͨશମ૾͔Βɺଞ͕࣮ࣾફͨ͠۩ମతͳߏஙࣄྫͱ͍ͬͨ෦෼૾ ·ͰΛ͓࿩͍ͨͩ͘͜͠ͱͰɺΞʔΩςΫνϟʹର͢Δߟ͑ํΛֶͼ௚͠ɺ੔ཧ͢Δ͜ͱ͕Ͱ͖ΔΧ ϯϑΝϨϯεΛ໨ࢦ͠·͢ɻz ΞʔΩςΫνϟΛಥ͖٧ΊΔ0OMJOF$POGFSFODF

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ࠓ೔ͷςʔϚ w 7*4" w ܾࡁγεςϜͷཪଆͷ౾஌ࣝʢϚχΞοΫʣ w ΞʔΩςΫνϟ w ܾࡁγεςϜ͕ͲͷΑ͏ͳ࢓૊Έ΍ٕज़Ͱಈ͍͍ͯΔ͔ߏ੒ཁૉ w ϓϦϖΠυΧʔυձ͕ࣾ޻෉͍ͯ͠Δٕज़ ࠓ೔࣋ͪؼͬͯ΋Β͑Δ΋ͷ

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ϢʔβʔϑϨϯυϦʔͳऔҾ໌ࡉͱ͸ʁ

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ϢʔβʔϑϨϯυϦʔͳऔҾ໌ࡉͱ͸ʁ ۜߦ ΫϨΧ ަ௨ܥ*$

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औҾ໌ࡉ͸αʔϏεͷಛੑ͕දग़͢Δ෦෼

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ϢʔβʔϑϨϯυϦʔͳऔҾ໌ࡉͱ͸ʁ औҾ໌ࡉʹ͸Կ͕ඞཁʁ🧐

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ϢʔβʔϑϨϯυϦʔͳऔҾ໌ࡉͱ͸ʁ w #͸Ոܭ฽ϓϦΧ w ࠓ݄ɺ͓ۚ࢖͍͗ͪ͢Όͬͨ w 👉͍ͭɾͲ͜Ͱɾ͍͘ΒͰങͬͨʁ w ͜ͷ༧໿ɺߦ͚ͳ͘ͳ͔ͬͨΒΩϟϯηϧ͠Α w 👉Ωϟϯηϧͨ͠΋ͷ͸ฦۚ͞Εͨʁ औҾ໌ࡉʹ͸Կ͕ඞཁʁ🧐

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ϢʔβʔϑϨϯυϦʔͳऔҾ໌ࡉͱ͸ʁ w औҾ໌ࡉΛݟΔ͜ͱͰٙ໰Λղফ͍ͨ͠ w ͓ۚͷτϨʔαϏϦςΟ͕ߴ͍͜ͱ w ҧ࿨ײͳ͓ۚ͘ͷྲྀΕΛ௥੻Ͱ͖Δ͜ͱ w 👉ϢʔβʔϑϨϯυϦʔ औҾ໌ࡉʹ͸Կ͕ඞཁʁ🧐

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ϢʔβʔϑϨϯυϦʔͳऔҾ໌ࡉͱ͸ʁ w ݱ࣮ੈքͷΞΫγϣϯʢܾࡁʣʹରԠ͢Δ৘ใ ͕Ұ໨ྎવ w ҰͭҰͭͷ໌ࡉʹ਎ʹ͕֮͑͋Δ w ೔෇΍ళฮ໊ͳͲ͔ΒΞΫγϣϯ͕ࢥ͍ग़ͤΔ w Ոܭ฽ͷࢹ఺͔Β৘ใΛ೺ѲͰ͖Δ w ΧςΰϦຖͷ߹ܭֹۚͳͲ ͓ۚͷτϨʔαϏϦςΟ͕ߴ͍ঢ়ଶ

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ϢʔβʔϑϨϯυϦʔͳऔҾ໌ࡉͱ͸ʁ ͓ۚͷτϨʔαϏϦςΟ͕ߴ͍औҾ໌ࡉͷྫ ݄೔ ৯඼ ύʔΫத໨ࠇ ݄೔ ֎৯ σϦγϟε඼઒ ݄೔ ೔༻඼ Ϧόʔ঎ళ ݄೔ ೔༻඼ Ϧόʔ঎ళ ݄೔ ֎৯ σϦγϟε඼઒ ݄೔ ͓Ͱ͔͚ ԻϑΣε ݄೔ ৯඼ ΤΠτφΠϯ

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ϢʔβʔϑϨϯυϦʔͳऔҾ໌ࡉͱ͸ʁ w ܾࡁ৘ใ͕࿙Εͳ͘ࡌ͓ͬͯΓɺهԱ ΛḷΕΔ w ࣌ؒɾళฮ໊ɾֹۚ ݄೔ ৯඼ ύʔΫத໨ࠇ ݄೔ ֎৯ σϦγϟε඼઒ ݄೔ ೔༻඼ Ϧόʔ঎ళ ݄೔ ೔༻඼ Ϧόʔ঎ళ ݄೔ ֎৯ σϦγϟε඼઒ ݄೔ ͓Ͱ͔͚ ԻϑΣε ݄೔ ৯඼ ΤΠτφΠϯ ͓ۚͷτϨʔαϏϦςΟ͕ߴ͍औҾ໌ࡉͷྫ

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ϢʔβʔϑϨϯυϦʔͳऔҾ໌ࡉͱ͸ʁ w औҾɺ໌ࡉͰ੔ཧ͞Ε͍ͯͯɺෆࣗ વͳ΋ͷ͕ͳ͍ ݄೔ ৯඼ ύʔΫத໨ࠇ ݄೔ ֎৯ σϦγϟε඼઒ ݄೔ ೔༻඼ Ϧόʔ঎ళ ݄೔ ೔༻඼ Ϧόʔ঎ళ ݄೔ ֎৯ σϦγϟε඼઒ ݄೔ ͓Ͱ͔͚ ԻϑΣε ݄೔ ৯඼ ΤΠτφΠϯ ߪೖ ฦ඼ ߪೖ ߪೖ ߪೖ ͓ۚͷτϨʔαϏϦςΟ͕ߴ͍औҾ໌ࡉͷྫ

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݄೔ ৯඼ ύʔΫத໨ࠇ ݄೔ ֎৯ σϦγϟε඼઒ ݄೔ ೔༻඼ Ϧόʔ঎ళ ݄೔ ೔༻඼ Ϧόʔ঎ళ ݄೔ ֎৯ σϦγϟε඼઒ ݄೔ ͓Ͱ͔͚ ԻϑΣε ݄೔ ৯඼ ΤΠτφΠϯ ϢʔβʔϑϨϯυϦʔͳऔҾ໌ࡉͱ͸ʁ w ৯඼֎৯౳ͷΧςΰϦʹ౷Ұײ͕͋Δ ͓ۚͷτϨʔαϏϦςΟ͕ߴ͍औҾ໌ࡉͷྫ

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ϢʔβʔϑϨϯυϦʔͳऔҾ໌ࡉͱ͸ʁ ݄೔ ৯඼ 1"3,/",". ݄೔ ৯඼ ύʔΫத໨ࠇ ݄೔ ৯඼ 1"3,/",". ݄೔ ͦͷଞ σϦγϟε඼઒ ݄೔ ͦͷଞ σϦγϟε඼઒ ݄೔ ֎৯ %&-*$*0644 ݄೔ ֎৯ %&-*$*0644 ͓ۚͷτϨʔαϏϦςΟ͕௿͍औҾ໌ࡉͷྫ

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݄೔ ৯඼ 1"3,/",". ݄೔ ৯඼ ύʔΫத໨ࠇ ݄೔ ৯඼ 1"3,/",". ݄೔ ͦͷଞ σϦγϟε඼઒ ݄೔ ͦͷଞ σϦγϟε඼઒ ݄೔ ֎৯ %&-*$*0644 ݄೔ ֎৯ %&-*$*0644 w ಉ͡ళฮͰళฮ໊ͷදه΍ΧςΰϦ͕ ෼͔Ε͍ͯͯɺಉ͡औҾͳͷ͔෼͔Β ͳ͍ ϢʔβʔϑϨϯυϦʔͳऔҾ໌ࡉͱ͸ʁ ͓ۚͷτϨʔαϏϦςΟ͕௿͍औҾ໌ࡉͷྫ

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݄೔ ৯඼ 1"3,/",". ݄೔ ৯඼ ύʔΫத໨ࠇ ݄೔ ৯඼ 1"3,/",". ݄೔ ͦͷଞ σϦγϟε඼઒ ݄೔ ͦͷଞ σϦγϟε඼઒ ݄೔ ֎৯ %&-*$*0644 ݄೔ ֎৯ %&-*$*0644 w ͭͷܾࡁ͕ෳ਺ͷ໌ࡉʹ෼ׂ͞Ε͍ͯ ͯɺ਎ʹ͕֮͑ͳ͍ w ͳΜͱͳ͘ཪଆͷγεςϜ͕ಁ͚ͯݟ ͑ͯΔ ϢʔβʔϑϨϯυϦʔͳऔҾ໌ࡉͱ͸ʁ ͓ۚͷτϨʔαϏϦςΟ͕௿͍औҾ໌ࡉͷྫ

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7*4"ܾࡁγεςϜͷ࢓૊Έ γϯϓϧѻ͍΍͢͞ ෳࡶͰѻ͍ʹ͍͘ औҾ໌ࡉ

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Smart, Secure, Mobile Super powered Banking and Living. ࢁຊਖ਼ߦΧʔυܾࡁۀ຿ͷ͢΂ͯ 1 Ծച্ΦʔιϦθʔγϣϯ ళฮ 7*4" ࣮ച্ΫϦΞϦϯά Χʔυձࣾ σϡΞϧϝοηʔδํࣜ

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Smart, Secure, Mobile Super powered Banking and Living. ࢁຊਖ਼ߦΧʔυܾࡁۀ຿ͷ͢΂ͯ 1 ᶃऔҾͷঝೝཁ੥ ᶄԠ౴ঝೝڋ൱ ͓ళͰΧʔυΛ ಡΈऔͬͨ࣌ʹൃੜ ϦΞϧλΠϜ Ծച্ΦʔιϦθʔγϣϯ ࣮ച্ΫϦΞϦϯά ళฮ 7*4" σϡΞϧϝοηʔδํࣜ Χʔυձࣾ

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Smart, Secure, Mobile Super powered Banking and Living. ࢁຊਖ਼ߦΧʔυܾࡁۀ຿ͷ͢΂ͯ 1 ᶃऔҾͷঝೝཁ੥ ᶄԠ౴ঝೝڋ൱ ͓ళͰΧʔυΛ ಡΈऔͬͨ࣌ʹൃੜ ϦΞϧλΠϜ Ծച্ΦʔιϦθʔγϣϯ ࣮ച্ΫϦΞϦϯά औҾͷ౎౓ൃੜԾͷֹۚ ళฮ 7*4" σϡΞϧϝοηʔδํࣜ Χʔυձࣾ

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Smart, Secure, Mobile Super powered Banking and Living. ࢁຊਖ਼ߦΧʔυܾࡁۀ຿ͷ͢΂ͯ 1 ᶃऔҾͷঝೝཁ੥ ᶄԠ౴ঝೝڋ൱ ᶅച্ਫ਼ࢉ ᶆച্ਫ਼ࢉ ΦʔιϦͷ೔Ҏ಺ ʹૹ৴͞ΕΔͷ͕ Ұൠత όονॲཧ Ծച্ΦʔιϦθʔγϣϯ ࣮ച্ΫϦΞϦϯά औҾͷ౎౓ൃੜԾͷֹۚ ళฮ 7*4" σϡΞϧϝοηʔδํࣜ Χʔυձࣾ

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Smart, Secure, Mobile Super powered Banking and Living. ࢁຊਖ਼ߦΧʔυܾࡁۀ຿ͷ͢΂ͯ 1 ᶃऔҾͷঝೝཁ੥ ᶄԠ౴ঝೝڋ൱ ᶅച্ਫ਼ࢉ ᶆച্ਫ਼ࢉ ΦʔιϦͷ೔Ҏ಺ ʹૹ৴͞ΕΔͷ͕ Ұൠత όονॲཧ Ծച্ΦʔιϦθʔγϣϯ ࣮ച্ΫϦΞϦϯά ೔෼·ͱΊͯ֬ఆֹͨۚ͠ڋ൱ෆՄ औҾͷ౎౓ൃੜԾͷֹۚ ళฮ 7*4" σϡΞϧϝοηʔδํࣜ Χʔυձࣾ

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Smart, Secure, Mobile Super powered Banking and Living. ΦʔιϦθʔγϣϯΫϦΞϦϯάͷछྨ ΦʔιϦθʔγϣϯ ΫϦΞϦϯά w ച্ w ച্औফ w ച্Ұ෦औফ w ฦ඼ w ച্ w ച্औফ w ฦ඼ w ฦ඼औফ w ༗ޮੑ֬ೝ w ΞυόΠε σϡΞϧϝοηʔδํࣜ

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Smart, Secure, Mobile Super powered Banking and Living. 7*4"ܾࡁγεςϜͷ࢓૊Έ w 7*4"ͷܾࡁγεςϜ͸ΫϨδοτΧʔυΛલఏʹ࡞ΒΕ͍ͯΔ͕ɺϓϦϖΠυΧʔ υ΋ಉ͡γεςϜ্Ͱಈ͍͍ͯΔ w ΫϨΧ͸݄຤ʹΫϦΞϦϯά෼Λ·ͱΊͯ੥ٻͰྑ͍͕ɺϓϦΧ͸ΦʔιϦͱΫ ϦΞϦϯάͷ఺Ͱ࢒ߴͷ؅ཧ͕ඞཁͱͳΔ w 7*4"ͷγεςϜ͸༷ʑͳܾࡁछྨʹରԠͰ͖ΔߴػೳͳγεςϜ w ҰํͰྺ࢙͕ݹ͘ϨΨγʔͳ෦෼΋ଟ͘ɺΧʔυձࣾଆͷൿ఻ͷλϨͰΧόʔ͠ ͳ͚Ε͹͍͚ͳ͍࢓༷͕͋Δ 7*4"ͷܾࡁγεςϜͷෳࡶͳͱ͜Ζ

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ϓϦϖΠυΧʔυͷ࢓૊Έ γϯϓϧѻ͍΍͢͞ ෳࡶͰѻ͍ʹ͍͘ औҾ໌ࡉ

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Կ͔Λߪೖͨ࣌͠ͷσʔλͷྲྀΕ ϓϦϖΠυΧʔυͷ࢓૊Έ 7*4" औҾ໌ࡉ ೔෇ औҾ಺༰ ֹۚ ࢒ߴ ೖۚ ԁ ԁ

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Կ͔Λߪೖͨ࣌͠ͷσʔλͷྲྀΕ ϓϦϖΠυΧʔυͷ࢓૊Έ 7*4" औҾ໌ࡉ ച্ΦʔιϦԁ ೔෇ औҾ಺༰ ֹۚ ࢒ߴ ೖۚ ԁ ԁ ܾࡁ ԁ ԁ Ծ

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Կ͔Λߪೖͨ࣌͠ͷσʔλͷྲྀΕ ϓϦϖΠυΧʔυͷ࢓૊Έ 7*4" औҾ໌ࡉ ೔෇ औҾ಺༰ ֹۚ ࢒ߴ ೖۚ ԁ ԁ ܾࡁ ԁ ԁ ച্ΫϦΞϦϯάԁ ച্ΦʔιϦԁ ֬

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೔෇ औҾ಺༰ ֹۚ ࢒ߴ ೖۚ ԁ ԁ ܾࡁ ԁ ԁ Կ͔Λߪೖͨ࣌͠ͷσʔλͷྲྀΕ ϓϦϖΠυΧʔυͷ࢓૊Έ 7*4" औҾ໌ࡉ ച্ΫϦΞϦϯάԁ ച্ΦʔιϦԁ ֬ ಉֹۚ͡Ͱ͋Ε͹ɺ௥ՃͰͷҾ͖མͱ͠ ΍ฦۚ͸ൃੜ͠ͳ͍

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೔෇ औҾ಺༰ ֹۚ ࢒ߴ ೖۚ ԁ ԁ ܾࡁ ԁ ԁ Կ͔Λߪೖͨ࣌͠ͷσʔλͷྲྀΕʢֹ͕ࠩ͋Δέʔεʣ ϓϦϖΠυΧʔυͷ࢓૊Έ 7*4" औҾ໌ࡉ ച্ΦʔιϦԁ Ծ

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ϓϦϖΠυΧʔυͷ࢓૊Έ 7*4" औҾ໌ࡉ ೔෇ औҾ಺༰ ֹۚ ࢒ߴ ೖۚ ԁ ԁ ܾࡁ ԁ ԁ ܾࡁ ԁ ԁ ച্ΦʔιϦԁ ֬ ֬ ച্ΫϦΞϦϯάԁ Կ͔Λߪೖͨ࣌͠ͷσʔλͷྲྀΕʢֹ͕ࠩ͋Δέʔεʣ ֹ͕ࠩ͋ͬͨΒΫϦΞϦϯά࣌ʹ௥ՃҾ ͖མͱ͠PSฦ͕ۚൃੜ͢Δ

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೔෇ औҾ಺༰ ֹۚ ࢒ߴ ೖۚ ԁ ԁ ܾࡁ ԁ ԁ ϓϦϖΠυΧʔυͷ࢓૊Έ 7*4" औҾ໌ࡉ ച্ΦʔιϦԁ ֬ ച্ΫϦΞϦϯάԁ Կ͔Λߪೖͨ࣌͠ͷσʔλͷྲྀΕʢֹ͕ࠩ͋Δέʔεͷ୅Ҋʣ

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೔෇ औҾ಺༰ ֹۚ ࢒ߴ ೖۚ ԁ ԁ ܾࡁ ԁ ԁ ϓϦϖΠυΧʔυͷ࢓૊Έ 7*4" औҾ໌ࡉ ച্ΦʔιϦԁ ֬ ച্ΫϦΞϦϯάԁ Կ͔Λߪೖͨ࣌͠ͷσʔλͷྲྀΕʢֹ͕ࠩ͋Δέʔεͷ୅Ҋʣ ❌औҾ໌ࡉͷաڈΛฤू͢Δͱ τϨʔαϏϦςΟ͕Լ͕ΔͷͰ΍Βͳ͍

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ֹࠩ؅ཧ͸Ͳ͏΍͍ͬͯΔʁ

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w ΦʔιϦͱΫϦΞϦϯά͸ผʑͷλΠϛϯάͰૹΒΕΔ΋ͷ w ΦʔιϦϦΞϧλΠϜɺΫϦΞϦϯάόον ΦʔιϦͱΫϦΞϦϯάͷϚονϯά ϓϦϖΠυΧʔυͷ࢓૊Έ

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w ͦΕͧΕͷσʔλʹ͸ঝೝ൪߸ͱτϥϯβΫγϣϯ*%ͱ͍͏σʔλ Λඥ෇͚Δ਺ࣈ͕෇༩͞Ε͍ͯΔ ΦʔιϦͱΫϦΞϦϯάͷϚονϯά ϓϦϖΠυΧʔυͷ࢓૊Έ

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w ΦʔιϦͱΫϦΞϦϯάΛϚονϯά͢Δ͜ͱͰɺֹۚͷ֬ఆॲཧ Λ͍ͯ͠Δ ΦʔιϦͱΫϦΞϦϯάͷϚονϯά ϓϦϖΠυΧʔυͷ࢓૊Έ ച্ΦʔιϦԁ औҾ಺༰ ֹۚ ࢒ߴ ೖۚ ԁ ԁ ܾࡁ ԁ ԁ Ծ ച্ΫϦΞϦϯάԁ ֬ 🤝

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w ͨͩ͠Ϛονϯάॲཧ͕͏·͍͔ͣ͘ɺֹࠩ؅ཧ͕Ͱ͖ͳ͍έʔε ͕͋Γ·͢ w ঝೝ൪߸͕ૹΒΕͳ͍ w ΦʔιϦࣗମ͕ૹΒΕͣɺΫϦΞϦϯά͚͕ͩૹΒΕΔ w ͦͷଞܾࡁ৘ใʹෆ଍΍ޡΓ͕͋Δ w &UDʜ ΦʔιϦͱΫϦΞϦϯάͷϚονϯά ϓϦϖΠυΧʔυͷ࢓૊Έ

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Ϛονϯάʹࣦഊͨ͠৔߹ͷσʔλͷྲྀΕ ϓϦϖΠυΧʔυͷ࢓૊Έ 7*4" औҾ໌ࡉ ച্ΦʔιϦԁ औҾ಺༰ ֹۚ ࢒ߴ ೖۚ ԁ ԁ ܾࡁ ԁ ԁ Ծ

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Ϛονϯάʹࣦഊͨ͠৔߹ͷσʔλͷྲྀΕ ϓϦϖΠυΧʔυͷ࢓૊Έ 7*4" औҾ໌ࡉ ച্ΦʔιϦԁ औҾ಺༰ ֹۚ ࢒ߴ ೖۚ ԁ ԁ ܾࡁ ԁ ԁ ܾࡁ ԁ ԁ ֬ ച্ΫϦΞϦϯάԁ Ծ 🤝 ❌

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Ϛονϯάʹࣦഊͨ͠৔߹ͷσʔλͷྲྀΕ ϓϦϖΠυΧʔυͷ࢓૊Έ 7*4" औҾ໌ࡉ ച্ΦʔιϦԁ औҾ಺༰ ֹۚ ࢒ߴ ೖۚ ԁ ԁ ܾࡁ ԁ ԁ ܾࡁ ԁ ԁ ฦۚ ԁ ԁ ֬ ച্ΫϦΞϦϯάԁ ղ d೔͕Ұൠత ղ 🤝 ❌

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Ϛονϯάʹࣦഊͨ͠৔߹ͷσʔλͷྲྀΕ ϓϦϖΠυΧʔυͷ࢓૊Έ w τϨʔαϏϦςΟ͕௿͍ྫͰग़ͨ͠औ Ҿ໌ࡉ͸Ϛονϯά্͕ख͍͔͘ͳ ͔ͬͨ࣌ʹൃੜ͢Δ ݄೔ ৯඼ 1"3,/",". ݄೔ ৯඼ ύʔΫத໨ࠇ ݄೔ ৯඼ 1"3,/",". ݄೔ ͦͷଞ σϦγϟε඼઒ ݄೔ ͦͷଞ σϦγϟε඼઒ ݄೔ ֎৯ %&-*$*0644 ݄೔ ֎৯ %&-*$*0644 ʢ࠶ܝʣ͓ۚͷτϨʔαϏϦςΟ͕௿͍औҾ໌ࡉͷྫ

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Ϛονϯάʹࣦഊͨ͠৔߹ͷσʔλͷྲྀΕ ϓϦϖΠυΧʔυͷ࢓૊Έ ݄೔ ৯඼ 1"3,/",". ݄೔ ৯඼ ύʔΫத໨ࠇ ݄೔ ৯඼ 1"3,/",". ݄೔ ͦͷଞ σϦγϟε඼઒ ݄೔ ͦͷଞ σϦγϟε඼઒ ݄೔ ֎৯ %&-*$*0644 ݄೔ ֎৯ %&-*$*0644 ʢ࠶ܝʣ͓ۚͷτϨʔαϏϦςΟ͕௿͍औҾ໌ࡉͷྫ ΦʔιϦ෼ͷܾࡁͱΩϟϯηϧ ΦʔιϦݟ͔ͭΒͣ ΫϦΞϦϯάͰ࠶౓Ҿ͖མͱ͠ฦۚ

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Ϛονϯάʹࣦഊͨ͠৔߹ͷσʔλͷྲྀΕ ϓϦϖΠυΧʔυͷ࢓૊Έ ݄೔ ৯඼ 1"3,/",". ݄೔ ৯඼ ύʔΫத໨ࠇ ݄೔ ৯඼ 1"3,/",". ݄೔ ͦͷଞ σϦγϟε඼઒ ݄೔ ͦͷଞ σϦγϟε඼઒ ݄೔ ֎৯ %&-*$*0644 ݄೔ ֎৯ %&-*$*0644 ʢ࠶ܝʣ͓ۚͷτϨʔαϏϦςΟ͕௿͍औҾ໌ࡉͷྫ ΦʔιϦ෼ͷܾࡁ ΦʔιϦݟ͔ͭΒͣΫϦΞϦϯάͰ࠶౓Ҿ͖མͱ͠ Ұఆظؒա͗ͨͷͰΦʔιϦ෼Λฦۚ

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Ϛονϯάʹࣦഊͨ͠৔߹ͷσʔλͷྲྀΕ ϓϦϖΠυΧʔυͷ࢓૊Έ ݄೔ ৯඼ 1"3,/",". ݄೔ ৯඼ ύʔΫத໨ࠇ ݄೔ ৯඼ 1"3,/",". ݄೔ ͦͷଞ σϦγϟε඼઒ ݄೔ ͦͷଞ σϦγϟε඼઒ ݄೔ ֎৯ %&-*$*0644 ݄೔ ֎৯ %&-*$*0644 ʢ࠶ܝʣ͓ۚͷτϨʔαϏϦςΟ͕௿͍औҾ໌ࡉͷྫ ݄೔ ৯඼ ύʔΫத໨ࠇ ݄೔ ৯඼ ύʔΫத໨ࠇ ݄೔ ֎৯ σϦγϟε඼઒ ݄೔ ֎৯ σϦγϟε඼઒ ͋Δ΂͖࢟

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͍͏ͯ΋ͦΜͳෳࡶʁʁ🧐

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Smart, Secure, Mobile Super powered Banking and Living. ʢ࠶ܝʣΦʔιϦΫϦΞϦϯάͷछྨ ΦʔιϦθʔγϣϯ ΫϦΞϦϯά w ച্ w ച্औফ w ച্Ұ෦औফ w ฦ඼ w ച্ w ച্औফ w ฦ඼ w ฦ඼औফ w ༗ޮੑ֬ೝ w ΞυόΠε ϓϦϖΠυΧʔυͷ࢓૊Έ

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Smart, Secure, Mobile Super powered Banking and Living. ʲച্ʳΦʔιϦΫϦΞϦϯάͷૹ৴ύλʔϯ ϓϦϖΠυΧʔυͷ࢓૊Έ

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Smart, Secure, Mobile Super powered Banking and Living. ʲച্औফฦ඼ʳΦʔιϦΫϦΞϦϯάͷૹ৴ύλʔϯ ϓϦϖΠυΧʔυͷ࢓૊Έ

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Smart, Secure, Mobile Super powered Banking and Living. ʲฦ඼औফʳΦʔιϦΫϦΞϦϯάͷૹ৴ύλʔϯ ϓϦϖΠυΧʔυͷ࢓૊Έ

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Smart, Secure, Mobile Super powered Banking and Living. ʲฦ඼औফʳΦʔιϦΫϦΞϦϯάͷૹ৴ύλʔϯ ϓϦϖΠυΧʔυͷ࢓૊Έ ͍͔ʹෳࡶͳύλʔϯΛγϯϓϧ ͳσʔλදݱʹஔ͖׵͑ΕΔ͔ʁ

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w ৭ʑͳσʔλύλʔϯʹରԠͰ͖ΔΑ͏ʹɺ೔ʑϩδοΫΛϒϥο γϡΞοϓ͍ͯ͠Δ ϓϦϖΠυΧʔυͷ࢓૊Έ https://www.youtube.com/watch?v=S06LUkro6Bw Ϛονϯά͸ϓϦϖΠυΧʔυձࣾͷ؊

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ͨͩ͠ݶք΋͋Δʜ

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៉ྷͳऔҾ໌ࡉΛ࡞ΕΔ͔͸ళฮଆґଘ ϓϦϖΠυΧʔυͷ࢓૊Έ ωοτεʔύʔͰ৯ࡐΛ஫จ ച্ΦʔιϦ ᶃ

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៉ྷͳऔҾ໌ࡉΛ࡞ΕΔ͔͸ళฮଆґଘ ϓϦϖΠυΧʔυͷ࢓૊Έ ωοτεʔύʔͰ৯ࡐΛ஫จ ച্ΦʔιϦ ᶃ ৯ࡐʹมߋ͕͋Γֹ͕ۚมಈ ৽͍͠ച্ΦʔιϦ ᶄ

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៉ྷͳऔҾ໌ࡉΛ࡞ΕΔ͔͸ళฮଆґଘ ϓϦϖΠυΧʔυͷ࢓૊Έ ωοτεʔύʔͰ৯ࡐΛ஫จ ച্ΦʔιϦ ᶃ ৯ࡐʹมߋ͕͋Γֹ͕ۚมಈ ৽͍͠ച্ΦʔιϦച্ΫϦΞϦϯά ᶄ ᶃͷച্ΦʔιϦΛऔΓফ͠ ᶅ

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៉ྷͳऔҾ໌ࡉΛ࡞ΕΔ͔͸ళฮଆґଘ ϓϦϖΠυΧʔυͷ࢓૊Έ ωοτεʔύʔͰ৯ࡐΛ஫จ ച্ΦʔιϦ ᶃ ৯ࡐʹมߋ͕͋Γֹ͕ۚมಈ ৽͍͠ച্ΦʔιϦച্ΫϦΞϦϯά ᶄ ᶃͷച্ΦʔιϦΛऔΓফ͠ ᶅ ݱ࣌఺Ͱ͸ٕज़తͳݶքͰ໌ࡉΛ ҰͭʹͰ͖ͳ͍ʜ

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ܾࡁ؅ཧγεςϜ औҾ໌ࡉͷΞʔΩςΫνϟ σϡΞϧϝοηʔδํࣜ ϓϦϖΠυΧʔυͷ࢓૊Έ

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औҾ໌ࡉΛ΋ͬͱ ϢʔβʔϑϨϯυϦʔʹ͢Δ޻෉

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Smart, Secure, Mobile Super powered Banking and Living. ΦʔιϦΫϦΞϦϯάʹؚ·ΕΔ৘ใ औҾ໌ࡉΛϢʔβʔϑϨϯυϦʔʹ͢Δ޻෉ ΦʔιϦ ΫϦΞϦϯά w .$$ʢ.FSDIBOU$BUFHPSZ$PEFʣ w ళฮ໊ʢӳࣈʣ w FUD w .$$ʢ.FSDIBOU$BUFHPSZ$PEFʣ w ళฮ໊ʢӳࣈʣ w ళฮ໊ʢΧφʣ w ళฮ໊ʢ׽ࣈʣ w FUD

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Smart, Secure, Mobile Super powered Banking and Living. औҾ໌ࡉΛϢʔβʔϑϨϯυϦʔʹ͢Δ޻෉ ΦʔιϦ ΫϦΞϦϯά w .$$ʢ.FSDIBOU$BUFHPSZ$PEFʣ w ళฮ໊ʢӳࣈʣ w FUD w .$$ʢ.FSDIBOU$BUFHPSZ$PEFʣ w ళฮ໊ʢӳࣈʣ w ళฮ໊ʢΧφʣ w ళฮ໊ʢ׽ࣈʣ w FUD .$$ʢ.FSDIBOU$BUFHPSZ$PEFʣ

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w ՃໍళʢళฮʣͷओͳۀछΛܻࣔ͢ͷ਺ࣈ w *40ͰఆΊΒΕ͍ͯΔ w ݸҎ্͋Δ w औҾ໌ࡉͷΧςΰϦʹ࢖ΘΕͨΓɺෆਖ਼ϦεΫ൑ఆʹ࢖ΘΕͨΓ͢Δ औҾ໌ࡉΛϢʔβʔϑϨϯυϦʔʹ͢Δ޻෉ .$$ʢ.FSDIBOU$BUFHPSZ$PEFʣ

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औҾ໌ࡉΛϢʔβʔϑϨϯυϦʔʹ͢Δ޻෉ .$$ʢ.FSDIBOU$BUFHPSZ$PEFʣ w ʙ೶ۀαʔϏε w ʙҕୗαʔϏε w ʙ༌ૹαʔϏε w ʙެڞࣄۀ w ʙখചαʔϏε w ʙҥྉ඼ళ w ʙͦͷଞͷళ w ʙϏδωεαʔϏε w ʙϓϩϑΣογϣφϧ αʔϏεͱձһ੍૊৫ w ʙ׭ެி ৯඼ ֎৯ ੜ׆༻඼ γϣοϐϯά झຯ ަ௨ ݈߁ඒ༰ ͓Ͱ͔͚ ॅډ ڭҭ ެڞྉۚ ͦͷଞ

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Smart, Secure, Mobile Super powered Banking and Living. ΦʔιϦͰૹ৴͞ΕΔళฮ໊ औҾ໌ࡉΛϢʔβʔϑϨϯυϦʔʹ͢Δ޻෉ 7*4" औҾ໌ࡉ ച্ΦʔιϦԁ औҾ಺༰ ֹۚ ళฮ໊ ೖۚ ԁ ܾࡁ ԁ '".*-:."35 Ծ

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Smart, Secure, Mobile Super powered Banking and Living. ΫϦΞϦϯάͰૹ৴͞ΕΔళฮ໊ औҾ໌ࡉΛϢʔβʔϑϨϯυϦʔʹ͢Δ޻෉ 7*4" औҾ໌ࡉ ച্ΦʔιϦԁ औҾ಺༰ ֹۚ ళฮ໊ ೖۚ ԁ ܾࡁ ԁ ϑΞϛϦ―Ϛ―τ ώΨγΰλϯμϢ Ծ ച্ΫϦΞϦϯάԁ ֬ ॻ͖׵͑

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Smart, Secure, Mobile Super powered Banking and Living. ΫϦΞϦϯάͰૹ৴͞ΕΔళฮ໊ औҾ໌ࡉΛϢʔβʔϑϨϯυϦʔʹ͢Δ޻෉ 7*4" औҾ໌ࡉ ച্ΦʔιϦԁ औҾ಺༰ ֹۚ ళฮ໊ ೖۚ ԁ ܾࡁ ԁ ϑΝϛϦ―Ϛ―τ ώΨγΰλϯμϢ Ծ ച্ΫϦΞϦϯάԁ ֬ ಡΈ΍͘͢Ճ޻

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Smart, Secure, Mobile Super powered Banking and Living. #ͰՃ޻ฤू͍ͯ͠Δళฮ໊ͷྫ औҾ໌ࡉΛϢʔβʔϑϨϯυϦʔʹ͢Δ޻෉ Ճ޻ฤू಺༰ #FGPSF "GUFS Α͘ར༻͞ΕΔళฮ͸ਖ਼໊ࣜশʹἧ͑Δ ηϒϯʵΠϨϒϯ ηϒϯΠϨϒϯ Α͘ར༻͞ΕΔళฮ͸ਖ਼໊ࣜশʹἧ͑Δ ϑΞϛϦʕϚʕτ ϑΝϛϦʔϚʔτ શ֯ӳޠΛ൒֯ʹม׵ ̢̖̖̯̤̣ɽ̘̤ɽ̟̥ ".";0/$0+1 ൒֯ΧφΛશ֯ʹม׵ ŪřŝŻřţŪŗ τ΢ΩϢ΢ετΞ

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Smart, Secure, Mobile Super powered Banking and Living. औҾ໌ࡉΛϢʔβʔϑϨϯυϦʔʹ͢Δ޻෉ #FGPSF "GUFS

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Smart, Secure, Mobile Super powered Banking and Living. ΦʔιϦͱΫϦΞϦϯάͷ࣌ࠩ औҾ໌ࡉΛϢʔβʔϑϨϯυϦʔʹ͢Δ޻෉ w ΫϦΞϦϯά͸Ұൠతʹd೔Ҏ಺ʹૹΒΕΔ ͜ͱ͕ଟ͘ɺಧ͘·Ͱ͸ӳޠදهͱͳΔ w ಧ͍ͨ΋ͷ͔Βॱʹ೔ຊޠදهʹมΘ͍ͬͯ͘ w ళฮϚελͷΑ͏ʹաڈͷܾࡁσʔλΛݩʹϚ ελΛ࡞Γɺ৽͍ܾ͠ࡁͷళฮళΛॳΊ͔Β೔ ຊޠ໊ʹͰ͖ΔͷͰ͸ʁʁ

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Smart, Secure, Mobile Super powered Banking and Living. ళฮϚελ͸ϓϦΧձࣾͷເ औҾ໌ࡉΛϢʔβʔϑϨϯυϦʔʹ͢Δ޻෉ ΦʔιϦͷӳޠ໊ ΫϦΞϦϯάͷ೔ຊޠ໊ ϚελԽ೉қ 4."35#"/, εϚʔτόϯΫ ༰қ #&:0/4"/)0/"/$)05&/ ϏʔϤϯαϯํೆொ αϯϓϧ਺গͳ͍ #&:0/4"/ ɹϏʔϤϯαϯ৸԰઒ళ ؒҧ͑ΔՄೳੑେ #&:0/4"/ ɹϏʔϤϯαϯ੢஑ାళ ؒҧ͑ΔՄೳੑେ

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·ͱΊ

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·ͱΊ γϯϓϧͰѻ͍΍͍͢ औҾ໌ࡉͷΞʔΩςΫνϟ ෳࡶͰѻ͍ʹ͍͘ Ξϓϩʔνख๏ߏ੒ٕज़

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औҾ໌ࡉͷΞʔΩςΫνϟ ·ͱΊ .$$ͷՃ޻ ళฮ໊ͷमਖ਼ ܾࡁ؅ཧγεςϜ σϡΞϧϝοηʔδํࣜ

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͝ਗ਼ௌ͋Γ͕ͱ͏͍͟͝·ͨ͠