クレカ・銀行連携機能における “状態”との向き合い方 / SmartBank Engineer LT Event

by SmartBank

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ΫϨΧɾۜߦ࿈ܞػೳʹ͓͚Δ lঢ়ଶzͱͷ޲͖߹͍ํ !PICBSZF !OBLBNVVV ଍ΒΜͰ͢ʂ࠲ஊձ

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4NBSU#BOL *OD 4PGUXBSF&OHJOFFS&OHJOFFSJOH.BOBHFS .BTBUP0ICB !PICBSZF 8IP !PICBSZF

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ΫϨΧɾۜߦ࿈ܞػೳʹ͓͚Δঢ়ଶͱͷ޲͖߹͍ํ ঢ়ଶΛѻ͏೉͠͞ ϓϩάϥϜҰൠͷ࿩ ΫϨΧɾۜߦ࿈ܞػೳ #ʹ͓͚Δ࣮ྫ ࠓ೔ͷ࿩ લ൒ ޙ൒

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ΫϨΧɾۜߦ࿈ܞػೳʹ͓͚Δঢ়ଶͱͷ޲͖߹͍ํ ΫϨΧɾۜߦ࿈ܞػೳ #ʹ͓͚Δ࣮ྫ ࠓ೔ͷ࿩ IUUQTPICBSZFIBUFOBCMPHKQFOUSZTUBUFDPVQMJOHDPNQMFYJUZDPEF ঢ়ଶΛѻ͏೉͠͞ ϓϩάϥϜҰൠͷ࿩ ຊൃදͰ͸ʮม਺ͷ஋ɺΦϒδΣΫτͷϓϩύςΟɺ σʔλߏ଄ͷ಺༰ͳͲɺϓϩάϥϜ͕؅ཧ͍ͯ͠Δ σʔλͷҰ෦·ͨ͸ू߹ʯΛঢ়ଶͱදݱ͢Δ

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w ίʔυͷྑ͠ѱ͠ʹ͍ͭͯͷج४ w τϨʔυΦϑ͕͋ΔͳΒʮঢ়ଶ݁߹ෳࡶੑ ίʔυྔʯͷ༏ઌ౓Ͱ࠷దԽ͢Δ͜ͱΛਪ঑ w ঢ়ଶΛݮΒͨ͢ΊͳΒɺ݁߹Λ૿΍͍͍ͯ͠ w ݁߹ΛݮΒͨ͢ΊͳΒɺෳࡶੑΛ૿΍͍͍ͯ͠ w ෳࡶੑΛݮΒͨ͢ΊͳΒɺίʔυྔΛ૿΍͍͍ͯ͠ w ίʔυྔΛݮΒ͢ͷ͸ଞͷશͯΛ૿΍͞ͳ͍࣌ͷΈ ঢ়ଶɺ݁߹ɺෳࡶੑɺίʔυྔͷॱʹ࠷దԽ͢ΔԿͷ࿩ʁ ΫϨΧɾۜߦ࿈ܞػೳʹ͓͚Δঢ়ଶͱͷ޲͖߹͍ํ ݩωλ͸IUUQTOFXTZDPNCJOBUPSDPNJUFN JE !PICBSZF͸೥ʹঞ༁ DVSVOS͕Ͳ͜ͷ୭͔͸Θ͔͍ͬͯͳ͍ͷͰ஌Γ͍ͨ

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w ʮࣅͯΔॲཧ͕ෳ਺Օॴʹ͋ͬͨͷͰҰՕॴʹ·ͱΊͯ%3:ʹͨ͠ʯ w ίʔυྔ͸ݮΔ͕ɺຊདྷແؔ܎Ͱ͋Δ͸ͣͷίʔυؒͷ݁߹͕ੜ͡Δ w ޡͬͨந৅ԽͷՄೳੑΛٙ͏ w ʮҾ਺ͷόέπϦϨʔ͕ਏ͍ͷͰεϨουม਺ʹ஋ΛೖΕ͓ͯ͘ʯ w ہॴతͳίʔυྔ΍݁߹͸ݮΔ͕ɺඞཁͷͳ͍ঢ়ଶΛ૿΍͢͜ͱͰϓ ϩάϥϜͷ݁Ռ͕༧ଌ͠ʹ͘͘ͳΔ ঢ়ଶ݁߹ෳࡶੑίʔυྔͷج४ͰධՁͯ͠ΈΔྫ ΫϨΧɾۜߦ࿈ܞػೳʹ͓͚Δঢ়ଶͱͷ޲͖߹͍ํ

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w ॲཧ݁Ռͷਪ࿦͕೉͍͠ w ʰϓϩάϥϚʔ೴ʱͰ͍͏ʮϫʔΩϯάϝϞ ϦΛଟ͘ফඅ͢ΔͷͰೝ஌ෛՙ͕ߴ͍ʯ w ςετ͠ʹ͍͘ w ظ଴͢Δঢ়ଶΛηοτΞοϓ͢Δඞཁ͕͋Δ w ௨ৗͷίʔυ࣮ߦͰ͸͏·͘ಈ͕͘ɺฒྻॲ ཧɾ෼ࢄॲཧͰ͸ಈ͔ͳ͍͜ͱ͕͋Δ ঢ়ଶΛଟ͘ѻ͏ίʔυ͸ ΫϨΧɾۜߦ࿈ܞػೳʹ͓͚Δঢ়ଶͱͷ޲͖߹͍ํ 0ODFZPVJOUSPEVDF TUBUF ZPVSMJGFHFUT TJHOJ fi DBOUMZIBSEFS

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ΫϨΧɾۜߦ࿈ܞػೳʹ͓͚Δঢ়ଶͱͷ޲͖߹͍ํ ॲཧͷ੍ޚʹঢ়ଶΛ࢖͏ ͜͜Ͱ͍͏ঢ়ଶ͸Πϯελϯεม਺ ૢ࡞ʹΑΓঢ়ଶ͕ߋ৽͞ΕΔ ೖྗʹΑΓ݁Ռ͕֬ఆ͢Δ ෆཁͳঢ়ଶΛ࡟ݮͰ͖Δ ঢ়ଶΛߋ৽ͤͣ ৽ΦϒδΣΫτΛੜ੒ ಺෦ঢ়ଶΛ࣋ͭখ͞ͳϓϩάϥϜͷྫ ࠨӈͦΕͧΕͷςετέʔεΛॻ͍ͯΈΔͱɺҧ͍͕Θ͔Γ΍͍͢

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ΫϨΧɾۜߦ࿈ܞػೳʹ͓͚Δঢ়ଶͱͷ޲͖߹͍ํ 3VCZ ୅ೖʹن཯Λ՝͢ɺؔ਺ܕϓϩάϥϛϯάͷΞΠσΞʹ͍ۙ ,PUMJO 4XJGU Πϛϡʔλϒϧͳσʔλߏ଄͕αϙʔτ͞Ε͍ͯΔݴޠ΋ ଟ͍ͨΊɺࣗવͱ࣮ફ͍ͯ͠Δ͜ͱ΋ଟ͍ 3VCZͰ͸ΠϛϡʔλϒϧΦϒδΣΫ τΛ%BUBDMBTTͰදݱͰ͖Δ ʮϓϩάϥϛϯάύϥμΠϜ͸੍໿Λ՝͢΋ͷͰ͋ΓɺԿΛ͢΂͖Ͱͳ͍͔Λ఻͍͑ͯΔʯͱ͍͏Ұઅ͕ ʰ$MFBO"SDIJUFDUVSFɹୡਓʹֶͿϓϩάϥϜͷߏ଄ͱઃܭʱʹ͋Δ

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w ୅ೖɾߋ৽ΛͤͣʹͲ͏࣮૷͢Δ͔Λݕ౼͢Δͱࣗવͱෆཁ ͳঢ়ଶ͕ݮ͍ͬͯ͘ w ΠϛϡʔλϒϧϞσϦϯά΋͍ۙൃ૝ʹ͋Δ w ࡟ݮҎ֎ͷΞϓϩʔν w σʔλߏ଄ͷ࠷దԽʢ7BMVF0CKFDUͷಋೖFUDʣ w ঢ়ଶ΁ͷґଘΛͳ͘͢ʢܭࢉ͚ͩΛߦ͏Ϟδϡʔϧؔ਺ ͷ࡞੒FUDʣ w ֎ʹঢ়ଶ؅ཧΛԡ͠෇͚ΔʢεςʔτϨεϓϩτίϧͷ )551FUDʣ ঢ়ଶΛݮΒ͢ɺঢ়ଶ؅ཧ͠΍͘͢͢Δʹ͸ ΫϨΧɾۜߦ࿈ܞػೳʹ͓͚Δঢ়ଶͱͷ޲͖߹͍ํ

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ঢ়ଶͷ࡟ݮɺѻ͏Օॴͷ࠷దԽʹΑΓ ϓϩάϥϜΛ༧ଌՄೳͰݎ࿚ͳ΋ͷʹ͢Δ

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ΫϨΧɾۜߦ࿈ܞػೳʹ͓͚Δঢ়ଶͱͷ޲͖߹͍ํ ঢ়ଶΛѻ͏೉͠͞ ϓϩάϥϜҰൠͷ࿩ ࠓ೔ͷ࿩ ΫϨΧɾۜߦ࿈ܞػೳ #ʹ͓͚Δ࣮ྫ ϞόΠϧΞϓϦࢹ఺ͰγεςϜશମΛ ၆ᛌͨ͠࠷దԽͷࣄྫ

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ΫϨΧɾۜߦ࿈ܞػೳʹ͓͚Δঢ়ଶͱͷ޲͖߹͍ํ ΫϨΧɾۜߦ࿈ܞػೳͱ͸ ௚઀ͷ઀ଓ͸.JSPLV8FCDBTI*OUFSOBUJPOBMࣾͷఏڙ͢Δ"DDPVOU5SBDLFSΛར༻͍ͯ͠Δ IUUQTXXXXFCDBTIDPN ཪଆ͸͍ΘΏΔΞάϦήʔγϣϯαʔϏε ֎෦ۚ༥ػؔͷ"1*Λ༻͍Δ͔ɺεΫϨΠϐϯάʹΑͬͯ໌ࡉΛऔΓࠐΉ

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ϞόΠϧΞϓϦࢹ఺Ͱߟ͑Δlঢ়ଶ؅ཧz

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4NBSU#BOL *OD J04"OESPJE"QQMJDBUJPO%FWFMPQFS தଜܙଠ !DIJDLNVVV ࣗݾ঺հ !OBLBNVVV

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ϞόΠϧΞϓϦࢹ఺Ͱͷঢ়ଶ؅ཧ ࠓ೥݄ʹϦϦʔεͨ͠ʰΫϨδοτΧʔυɾۜߦޱ࠲࿈ܞػೳʱΛ୊ࡐʹ ϞόΠϧΞϓϦࢹ఺Ͱͷঢ়ଶ؅ཧΛࢥߟ͢Δ

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࿈ܞઌͷ௥Ճʹ͓͚ΔෳࡶͳભҠϑϩʔ

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࿈ܞઌͷ௥Ճϑϩʔ ࿈ܞઌͷ௥Ճʹ͓͚ΔෳࡶͳભҠϑϩʔ ۚ༥ػؔ͝ͱͷ༷ʑͳҧ͍͕ભҠϑϩʔ΁େ͖ͳෳࡶ͞Λ΋ͨΒ͍ͯ͠Δ ೖྗ͢ΔϩάΠϯ৘ใͷ߲໨΍ଟཁૉೝূʢ4.4ೝূ΍ϫϯλΠϜ ύείʔυͳͲʣͷํ๏͕ҟͳΔ ࿈ܞखॱͷҧ͍ ۚ༥ػؔͷΞΧ΢ϯτʹෳ਺ͷΧʔυ΍ޱ࠲͕ඥ͍͍ͮͯͨ৔߹ʹ Ұ෦·ͨ͸શͯ࿈ܞ͢Δ͔Λબ୒Ͱ͖Δ ࿈ܞൣғͷҧ͍ ࿈ܞՕॴͷҧ͍ ΞϓϦ಺ͰϩάΠϯ৘ใΛೖྗ͢Δέʔεͱ8FCϖʔδ্Ͱ ೝূΛߦ͏έʔε͕ଘࡏ͢Δ

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࿈ܞઌͷ௥Ճʹ͓͚ΔෳࡶͳભҠϑϩʔ ࿈ܞઌͷ௥ՃϑϩʔͷભҠΠϝʔδ Ұݟ͢Δͱγϯϓϧ͕ͩɺଘࡏ͢ΔϑϩʔΛ໢ཏతʹ͍ࣔͤͯͳ͍

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࿈ܞઌͷ௥Ճʹ͓͚ΔෳࡶͳભҠϑϩʔ ࣮૷্Ͱ͸௥ՃϑϩʔΛද͢ϦιʔεΛαʔόʔαΠυʹੜ੒͠ ঢ়ଶʹج͍ͮͯભҠઌ͕Ұҙʹܾఆ͞ΕΔΑ͏ʹ ௥ՃϑϩʔΛද͢Ϧιʔε͕ ׬ྃঢ়ଶʹࢸΔ·ͰભҠΛ܁Γฦ͢

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࿈ܞઌͷ௥Ճʹ͓͚ΔෳࡶͳભҠϑϩʔ w ը໘ભҠϩδοΫͷهड़͕֤ը໘ʹࢄΒ͹Β͢ҰՕॴʹू໿͞ΕΔ w ը໘ؒͷґଘؔ܎ΛૄʹอͯΔʢʹը໘৽ઃΛ൐Θͳ͍ϑϩʔͷมߋʹڧ͍ʣ w ؂ࢹ΍Ϣʔβʔߦಈͷ෼ੳʹඞཁͳ৘ใ͕αʔόʔʹू໿͞ΕΔ ࿈ܞઌͷ௥ՃϑϩʔͷྫΛΑΓҰൠԽ͠ ϞόΠϧΞϓϦࢹ఺Ͱͷlঢ়ଶ؅ཧzΛߟ͍͑ͯ͘💭 lεςʔτۦಈzͷը໘ભҠϑϩʔͷར఺

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ϞόΠϧΞϓϦࢹ఺Ͱߟ͑Δlঢ়ଶ؅ཧz

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ϞόΠϧΞϓϦࢹ఺Ͱߟ͑Δlঢ়ଶ؅ཧz w ϞόΠϧΞϓϦ͸໌ࣔతʹ؅ཧ͢Δσʔλ͚ͩͰͳ͘ɺϢʔβʔͷೖྗ஋΍ ը໘ભҠελοΫͳͲ҉໧తʹอ࣋͢Δঢ়ଶ͕ଘࡏ͢Δ w ࿈ܞઌͷ௥Ճϑϩʔ͸lભҠݩͷը໘zͳͲϞόΠϧΞϓϦͷΈ͕࣋ͭঢ়ଶʹ ґଘͤͣ͞ɺγεςϜશମΛ၆ᛌͯ͠ঢ়ଶΛαʔόʔͷՕॴʹू໿Ͱ͖ͨ γεςϜશମΛ၆ᛌͯ͠ঢ়ଶΛՕॴʹू໿্ͨ͠Ͱ ϞόΠϧΞϓϦ͸αʔόʔ͕࣋ͭঢ়ଶ΁lͲͷΑ͏ʹґଘ͢΂͖͔z ͞ΒͳΔࢥߟ

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lঢ়ଶ΁ͷґଘzͱlભҠ΁ͷґଘzΛ෼͚ͯଊ͑Δ ϞόΠϧΞϓϦࢹ఺Ͱߟ͑Δlঢ়ଶ؅ཧz ঢ়ଶ" ঢ়ଶ# ભҠЋ ભҠЌ ঢ়ଶ$

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lঢ়ଶ΁ͷґଘzͱlભҠ΁ͷґଘzΛ෼͚ͯଊ͑Δ ϞόΠϧΞϓϦࢹ఺Ͱߟ͑Δlঢ়ଶ؅ཧz Χʔυൃߦલ ൃૹલ ࢒ߴ͕ॆ଍ ࢒ߴ͕ෆ଍ ख਺ྉೖۚલ

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ϞόΠϧΞϓϦࢹ఺Ͱߟ͑Δlঢ়ଶ؅ཧz w lঢ়ଶ΁ͷґଘzͱlભҠ΁ͷґଘzΛ۠ผͯ͠ଊ͑Δ͜ͱ͸ ϞόΠϧΞϓϦͱαʔόʔ࣮૷ͷ݁߹౓ΛݟۃΊΔͭͷώϯτͱͳΔ w ୯७ͳػೳͰ͋Ε͹lભҠ΁ͷґଘz͕ੜ͡Δ͜ͱʹ͞΄Ͳ໰୊͸ͳ͍ w ͢΂ͯͷঢ়ଶʹର͢ΔৼΔ෣͍Λߟྀ͢Δίετ͕ݟ߹Θͳ͍͜ͱ΋ଟ͍ ෳࡶੑͷߴ͍࿈ܞઌͷ௥Ճϑϩʔʹ͓͍ͯ͸ ϞόΠϧΞϓϦΛlભҠ΁ͷґଘzΛҾ͖ണ͕͢͜ͱ͕༗ޮʹ࡞༻ͨ͠

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·ͱΊlঢ়ଶ؅ཧzʹ͓͚Δࢥߟϓϩηε

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lঢ়ଶ؅ཧzʹ͓͚Δࢥߟϓϩηε 50%0ਗ਼ॻʂ͍͍ײ͡ͷਤʹ͢Δʂ 🧪ঢ়ଶͷ਺Λ࠷খʹ͢Δ ݁߹ෳࡶੑίʔυྔΑΓ΋༏ઌͯ͠ߟ͑Δ 🗼γεςϜશମΛ၆ᛌͯ͠ঢ়ଶΛՕॴʹू໿͢Δ ϞόΠϧΞϓϦ͕อ࣋͢Δঢ়ଶʢભҠݩͷը໘ͳͲʣͱͷ੔߹ੑ ♻lભҠ΁ͷґଘzΛ࠷খʹ͢Δ ෳࡶੑͷߴ͍ػೳͰ͸lঢ়ଶ΁ͷભҠzʹཹΊΔͷ΋ղܾࡦ

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͝ਗ਼ௌ͋Γ͕ͱ͏͍͟͝·ͨ͠ʂ