大量購入を支える決済トランザクション設計 / EC Payment Transaction Architecture

by Kazuyoshi Tsuchiya

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౔԰࿨ྑ(.01FQBCP *OD (.0%FWFMPQFST/JHIUϖύϘ&$ςοΫΧϯϑΝϨϯε େྔߪೖΛࢧ͑Δ ܾࡁτϥϯβΫγϣϯઃܭ

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(.0ϖύϘ&$ࣄۀ෦ςΫχΧϧϦʔυ ౔԰࿨ྑ!UTVDIJLB[V 7VFKT೔ຊ6TFS(SPVQ$PSF4UB⒎ IUUQTUTVDIJLB[VOFU

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ܾࡁτϥϯβΫγϣϯͱ͸ Χʔτʹ͍ΕΔ ॅॴೖྗ ஫จ֬ఆϘλϯԡ͢ ஫จ׬ྃ

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ܾࡁτϥϯβΫγϣϯͱ͸ Χʔτʹ͍ΕΔ ॅॴೖྗ ஫จ֬ఆϘλϯԡ͢ ஫จ׬ྃ ͜ͷؒͷ͜ͱ

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ܾࡁτϥϯβΫγϣϯͰ΍͍ͬͯΔ͜ͱ w঎඼ͷࡏݿΛݮΒ͢ wΫϨΧͳͲͷܾࡁ"1*ͷ࣮ߦ wड஫σʔλͷ࡞੒ wϝʔϧ΍ϓογϡ௨஌ͳͲ

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σʔλෆ੔߹΋ແ͘ େྔͷܾࡁτϥϯβΫγϣϯΛ ࡹ͖੾Δ

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ݱ࣮తʹෆՄೳ

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$"1ఆཧ Ұ؏ੑ $POTJTUFODZ Մ༻ੑ "WBJMBCJMJUZ ωοτϫʔΫ෼அ଱ੑ 1BSUJUJPOUPMFSBODF wͭΛಉ࣌ʹຬͨ͢͜ͱ͸ෆՄೳ w ޠฐΛڪΕͣʹ͍͏ͱ ෼ࢄγεςϜʹ͓͍ͯɺҰ؏ੑͱՄ༻ੑͲͪ Β΋ຬͨ͢ͷ͸ແཧ

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ྫ Ұ؏ੑΛຬͨ͢ มͳσʔλΛڐ͞ͳ͍ ঎඼ͷࡏݿΛݮΒ͢ ΫϨΧͳͲͷܾࡁ"1*ͷ࣮ߦ ड஫σʔλͷ࡞੒ w͜ͷதͷҰ෦͚ͩ੒ޭ͍ͯ͠Δঢ়ଶͱ͍͏ͷ͸ɺ͓͔͍͠ wશͯ੒ޭ͢Δ͔ɺશࣦͯഊʹ͢Δ͔ wͲͪΒ͔ʹͳΒͳ͚Ε͹ͳΒͳ͍

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ͦͷ݁Ռ Կ͔͕όʔϯͱ٧·༷ͬͨࢠ

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Կ͕ى͖ͨʁ w஡৭ͷॲཧࡏݿߋ৽ͰɺߦϩοΫΛ͔͚͍ͯΔ wಉҰτϥϯβΫγϣϯ಺Ͱܾࡁ"1*ΛؚΊͨશͯͷॲཧΛ࣮ࢪ wશͯͷॲཧ͕ऴΘΒͳ͍ͱɺϩοΫղআ͞Εͳ͍ ࡏݿߋ৽ ܾࡁ"1* ड஫࡞੒ ௨஌ͳͲ ࡏݿߋ৽ ܾࡁ"1* ड஫࡞੒ ଴ͪ

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Ұ؏ੑΛऔΒͣʹɺ Մ༻ੑΛॏࢹͨ͠ઃܭ͕ඞཁ

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#"4&ಛੑ #"ɿ#BTJDBMMZ"WBJMBCMFʢৗʹར༻Մೳʣ 4ɿ4PGUTUBUFʢҰ࣌తʹҰ؏ੑͷͳ͍ঢ়ଶΛڐ༰ʣ &ɿ&WFOUVBM$POTJTUFODZʢଈ࣌Ͱ͸ͳ݁͘Ռ੔߹ੑΛऔΔʣ wΞϓϦέʔγϣϯͷϨΠϠʔͰσʔλ੔߹ੑͷ୲อ͢Δઓུ wதࠃͰ͸ΞϦϖΠɺ೔ຊͰ͸ϝϧϖΠͳͲͳͲʜ

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࣮ࡍʹΧϥʔϛʔͰ ࣮ફ͍ͯ͠Δ͜ͱ

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ܾࡁτϥϯβΫγϣϯॲཧͷࡉ෼Խ wࡏݿ਺ΛݮΒͨ͠λΠϛϯάͰɺͦΕ͚ͩDPNNJUͯ͠͠·͓͏ ࡏݿߋ৽ ܾࡁ"1* ड஫࡞੒ ௨஌ͳͲ ࡏݿߋ৽ ܾࡁ"1* ड஫࡞੒ ௨஌ͳͲ ଴ͪ

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ܾࡁτϥϯβΫγϣϯॲཧͷࡉ෼Խ wޙड़͢ΔิঈτϥϯβΫγϣϯ͕ෳࡶԽ͢ΔͨΊɺͳΔ΂͘࠷খ wҎԼͷ৔߹͸ɺࡉ෼Խཁૉͱͯ͠ߟ͑Δͱྑ͍ wϩοΫ͕ൃੜ͢Δ෦෼ w֎෦"1*ϦΫΤετ͢Δ෦෼

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ิঈτϥϯβΫγϣϯ wલʹਐΊΒΕͳ͍৔߹ɺࠓ·Ͱ࣮ߦ͖ͯͨ͠ૢ࡞ΛҰ౓͖ͪΜͱϩʔ ϧόοΫ͢Δඞཁ͕͋Δ wࣦഊ͢Δͱ݁Ռ੔߹ੑ͕ͱΕͳ͘ͳΔͨΊɺϦΧόϦʔՄೳʹ͢Δ wϦτϥΠՄೳ wႈ౳ੑ ͋ͬͨ΄͏͕҆৺

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ิঈτϥϯβΫγϣϯ ࡏݿߋ৽ ܾࡁ"1* ड஫࡞੒ ௨஌ͳͲ SPMMCBDL ࡏݿߋ৽ SPMMCBDL ܾࡁ"1* Τϥʔ͕ى͖ͨͱ͖ SFUSZ SFUSZ

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ิঈτϥϯβΫγϣϯ ࡏݿߋ৽ ܾࡁ"1* ड஫࡞੒ ௨஌ͳͲ SPMMCBDL ࡏݿߋ৽ SPMMCBDL ܾࡁ"1* SFUSZ SFUSZ λΠϜΞ΢τൃੜ࣌͸ɺ ੒ޭ͍ͯ͠Δ͔ࣦഊ͍ͯ͠Δ͔Θ͔Βͳ͍ Ұఆ࣌ؒޙʹܾࡁͷঢ়ଶΛ֬ೝͯ͠ SPMMCBDL

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σʔλಥ߹ʢ3FDPODJMFʣ wσʔλ੔߹ੑ͕ͪΌΜͱऔΕͯΔ͔Ͳ͏͔ʹ͍ͭͯɺԿΒ͔ͷํ๏Ͱ ֬ೝ΋͘͠͸ϞχλϦϯά͢Δඞཁ͕͋Δ

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σʔλಥ߹ʢ3FDPODJMFʣ wܾࡁͱ஫จͷσʔλ͕Ұக͢Δ͔͕ɺ࠷ॏཁ wࣗಈͰݕ஌ɺ͙͢ʹରԠ͢Δ࢓૊ΈԽ͕ඞཁ w೔࣌όονͰJTTVF͕࡞੒͞Εɺ੔߹ੑΛอͭΞΫγϣϯ΁

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ͦͷ݁Ռͱࠓޙ w෼ຖʹࡹ͚ΔܾࡁτϥϯβΫγϣϯ͸ɺ͜ΕΛ͢Δ͚ͩͰഒҎ্ wεέʔϧΞ΢τՄೳͳঢ়ଶ wLTͰͷΦʔτεέʔϧ΍Ϧιʔεͷ༗ޮ׆༻ w࣍ͷϘτϧωοΫ΁ͷΞϓϩʔν w%#ͷίωΫγϣϯ਺଍Γͳ͘ͳΒͳ͍Α͏ʹɺڞ༗%#͔Βͷ୤٫ wܾࡁ"1*ͷෛՙ෼ࢄͷͨΊඇಉظԽ

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·ͱΊ wେྔߪೖΛࡹ͘ʹ͸ɺҰ؏ੑͷͳ͍ঢ়ଶΛڐ༰ͯ͠ɺ݁Ռ੔߹ੑΛͱ Δඞཁ͕͋Δ wܾࡁτϥϯβΫγϣϯͷࡉ෼Խ wิঈτϥϯβΫγϣϯ wσʔλಥ߹ wͦͯ͠৽ͨͳϘτϧωοΫͱͷઓ͍͕࢝·͍ͬͯΔ