法律に準拠した本人確認システムを0から作った話〜家計簿プリカB/43でのeKYC開発実例〜

by ShoheiMitani

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๏཯ʹ४ڌͨ͠ຊਓ֬ೝγεςϜΛ͔Β࡞ͬͨ࿩ ʙՈܭ฽ϓϦΧ#ͰͷF,:$։ൃ࣮ྫʙ

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c1SPGJMF ࡾ୩ণฏc!TIPIFJ גࣜձࣾεϚʔτόϯΫ &.݉αʔόʔαΠυΤϯδχΞ લ৬͸ϑϦϚαΠτͷߪೖը໘Λ୲౰ͨ͠Γɺε ϚʔτόϯΫͰ͸7*4"ΧʔυͷܾࡁγεςϜ΍ೖ ۚػೳΛଟ਺୲౰ͨ͠Γͱɺܾࡁ·ΘΓ͕ಘҙ ,BJHJPO3BJMTεϐʔΧʔ :"1$)JSPTIJNBϕεττʔΫ৆ ⛳εϚʔτόϯΫΰϧϑ෦෦௕

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#ͷຊਓ֬ೝʢF,:$ʣ w ຊਓ֬ೝΛ͢Δ͜ͱͰɺར༻Ͱ͖Δػೳ͕૿͑Δ w ޱ࠲࢒ߴ্ݶສˠສ w ޱ࠲࢒ߴ͕ग़ۚՄೳʹͳΔ w ࢿܾۚࡁ๏ʹج͖ͮ࢒ߴ͕શֹอূʹͳΔ w &UDʜ w αʔϏεϦϦʔε౰ॳ͸ඞਢɻࠓ೥ͷ݄͔Β೚ҙ

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w ͳͥຊਓ֬ೝγεςϜ͕ඞཁͩͬͨͷ͔ʁ w ֎෦ϕϯμʔ΋͋ΔதͰࣗલߏஙΛબ୒ͨ͠ཧ༝ w ຊਓ֬ೝγεςϜʹٻΊΒΕΔཁ݅ w ຊਓ֬ೝγεςϜͷΞʔΩςΫνϟͱͦͷத਎ w ຊਓ֬ೝۀ຿ʹ͓͚Δ޻෉ ࠓ೔͓࿩͢͠Δ͜ͱ γεςϜͱۀ຿͸͔ͳΓΦʔϓϯʹ஻ΔͷͰ͝ظ଴Λʜ

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Smart, Secure, Mobile Super powered Banking and Living. ࠓ೔ͷҙؾࠐΈ w ࡞ͬͨਓ͔͠஌Βͳ͍ຊਓ֬ೝγεςϜͷத਎ʹ͍ͭͯ੺དʑʹ࿩ ͦ͏ͱࢥ͍·͢ w ެ։0,ͳ࿩Λ஻Γ·͕͢ɺҰ෦த਎͕Ұਓา͖͠ͳ͍Α͏ʹࣸਅ /(ͷͱ͜ΖʹɹɹɹΛࡌͤΔͷͰ͝ڠྗ͓ئ͍͠·͢🙏

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ͳͥຊਓ֬ೝγεςϜ͕ඞཁͩͬͨͷ͔ʁ

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ੈͷதͰຊਓ֬ೝ͕ٻΊΒΕΔཧ༝ ൜ࡑऩӹҠస๷ࢭ๏ ۚ༥ػؔʢۜߦɾ৴༻ۚݿʣ΍ࢿۚҠಈۀऀͳͲͷಛఆࣄۀऀ͕ϚωʔɾϩϯμϦϯά ͓Αͼςϩࢿۚڙ༩Λ๷ࢭ͢ΔͨΊͷાஔΛنఆ ܞଳి࿩ ෆਖ਼ར༻๷ࢭ๏ ௨৴ࣄۀऀʹΑΔܖ໿ऀͷ؅ཧମ੍ͷ੔උͷଅਐΛ໨తͱ͠ɺܖ໿࣌ͷຊਓ֬ೝͳͲͷ ܞଳి࿩ͷෆਖ਼ར༻Λ๷ࢭ͢ΔͨΊͷાஔΛنఆ ݹ෺Ӧۀ๏ ݹ෺ࢢ৔Ͱͷ઄౪඼ͷྲྀ௨Λ๷ࢭ͢ΔͨΊɺҰఆֹۚҎ্ͷऔҾʹ͓͍ͯຊਓ֬ೝͷٛ ຿͕ੜ͡Δ͜ͱΛنఆ αʔϏε඼࣭޲্ ๏཯Ͱͷن੍͸ͳ͍͕ɺαʔϏεͷ඼࣭ΛߴΊΔͨΊʹࣗओతʹߦͳ͍ͬͯΔ΋ͷ

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΋͏গ͠ৄ͘͠ݴ͏ͱ w #͸Ϣʔβʔ͔ΒΧʔυܾࡁʹར༻͢ΔͨΊͷ͓ۚΛҰ࣌తʹ༬͔ΔαʔϏε w ೔ຊͰϢʔβʔ͔Β͓ۚΛ༬͔ͬͯαʔϏεఏڙ͢Δʹ͸ࠃ͔Βͷ໔ڐަ෇΍ొ࿥͕ඞཁ w ۜߦ๏ࢿۚҠಈۀऀલ෷ࣜࢧ෷खஈFUDʜ w εϚʔτόϯΫ͸ࢿۚҠಈۀऀͱલ෷ࣜࢧ෷खஈͷۀऀͱͯ͠ొ࿥͞Ε͍ͯΔ w ൜ࡑऩӹҠస๷ࢭ๏ͷର৅ͱͳΔಛఆࣄۀऀʹࢿۚҠಈۀऀؚ͕·Ε͓ͯΓٛ຿Խ ൜ࡑऩӹҠస๷ࢭ๏ ۚ༥ػؔʢۜߦɾ৴༻ۚݿʣ΍ࢿۚҠಈۀऀͳͲͷಛఆࣄۀऀ͕ϚωʔɾϩϯμϦϯά ͓Αͼςϩࢿۚڙ༩Λ๷ࢭ͢ΔͨΊͷાஔΛنఆ

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ࢿۚҠಈۀऀ લ෷ࣜࢧ෷खஈ w ڞʹࢿܾۚࡁ๏ͱ͍͏๏཯ͷதͰఆΊΒΕ͍ͯΔ΋ͷ w ϓϦϖΠυΧʔυ΍঎඼݊ɺ23ίʔυܾࡁͳͲɺۜߦҎ֎ͷऀ͕ Ϣʔβʔ͔ΒऔҾͷͨΊͷ͓ۚΛ༬͔ͬͯαʔϏεఏڙΛ͢ΔͨΊ ʹ͋Δ๏཯ ࢿܾۚࡁ๏

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ҙ֎ͱ਎ۙͳࢿۚҠಈۀऀ

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w Ϣʔβʔ͔ΒऔҾͷͨΊͷ͓ۚΛ༬͔ΕΔ w ༬͔͓ͬͨۚΛΧʔυܾࡁ΍23ίʔυܾࡁɺग़ۚ΍ૹۚͷαʔϏ εʹར༻͢Δ͜ͱ͕Ͱ͖Δ w ҰํͰ͓ۚΛ༬͔Δ͕Ώ͑ʹݫ੍͍͠໿΋͋Δ ࢿۚҠಈۀऀ͕ఏڙͰ͖ΔαʔϏε

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w ෆਖ਼ϦεΫΛ཈͑ΔͨΊʹຊਓ֬ೝ͕ඞਢ w ಉ༷ʹ".-$'5ରࡦΛߦ͏ඞཁ͕͋Δ w ձ͕ࣾ౗࢈ͯ͠΋༬͔͓ͬͨۚΛશֹฦۚͰ͖ΔΑ͏ʹڙୗ͕ඞਢ w ܾࡁ΍ग़ۚ౳ͷऔҾҎ֎ͷ໨తͰ͓ۚΛ༬͔ͬͯ͸ͳΒͳ͍ ࢿۚҠಈۀऀʹ՝ͤΒΕΔݫ੍͍͠໿

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w εϚʔτόϯΫ͸ࢿۚҠಈۀऀͱͯ͠#ͷαʔϏεΛ։࢝ͨ͠ w ࢿۚҠಈۀऀ͸൜ࡑऩӹҠస๷ࢭ๏ͷಛఆࣄۀऀͱͯ͠ɺຊਓ֬ೝ ͱ".-$'5ରࡦ͕ٛ຿෇͚ΒΕ͍ͯΔ খ·ͱΊͳͥຊਓ֬ೝγεςϜ͕ඞཁͩͬͨͷ͔ʁ ຊਓ֬ೝγεςϜΛߏங͢Δඞཁ͕͋ͬͨ

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ͳͥຊਓ֬ೝγεςϜΛࣗલͰߏஙͨ͠ͷ͔ʁ

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֎෦αʔϏεͷར༻ ࣗલͰߏங ͔ ͔ w ෳ਺ͷϕϯμʔ͕࣭ͷߴ͍ຊਓ֬ೝαʔϏεΛఏڙ͍ͯ͠Δ w ΞϓϦ༻4%,͔Β৹ࠪπʔϧɺຊਓ֬ೝۀ຿͕ύοέʔδԽ w ଞαʔϏεͰ͸ϕϯμʔͷαʔϏεΛ࠾༻͍ͯ͠Δྫ͕ଟ͘ΈΒΕΔ w ҰํͰϕϯμʔͷαʔϏε͸8FC7JFXલఏͩͬͨΓɺϑϩʔͷΧελ ϚΠζੑ͕௿͍ #Ͱͷຊਓ֬ೝϑϩʔͷઃܭࢥ૝

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Smart, Secure, Mobile Super powered Banking and Living. ݱۚΛ༻్͝ͱʹା෼͚ͯ͠   ΞφϩάʹՈܭΛ؅ཧ ΫϨΧͷ໌ࡉΛ֬ೝͰ͖ͣ   Ҿམ͠·Ͱࢧग़Λ೺ѲͰ͖ͳ͍ ຊਓ֬ೝͰʮ͏ͬʜʯͱͳͬͯ཭୤͞Εͳ͍Α͏ʹ γʔϜϨεͳຊਓ֬ೝମݧΛࣗલͰߏங͢Δ͜ͱΛબ୒ #ͷλʔήοτϢʔβʔʹ͸8FCαʔϏεͷར༻ʹෆ׳Εͳਓ΋ଟ͍

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Smart, Secure, Mobile Super powered Banking and Living. ࣗલͰߏங͢Δ͜ͱͷϝϦοτ ᶃίϯςΩετͷ෼அΛ๷͙ ᶄ౷Ұ͞Εͨίϛϡχέʔγϣϯϧʔϧ αʔϏεͷਃ͠ࠐΈͷ̍εςοϓͱͯ͠දݱ͢Δ   ૢ࡞ੑ΍σβΠϯ͔Βϑϩʔͷ෼அΛҙࣝͤ͞ͳ͍ αʔϏεͷίϛϡχέʔγϣϯϧʔϧʹ४ڌ͢Δ   ը໘͝ͱͷ৘ใྔΛ཈͑ͯ਌͠Έ΍͍͢දݱΛ

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Smart, Secure, Mobile Super powered Banking and Living. lγʔϜϨεͳΦϯϘʔσΟϯάମݧzͷͨΊʹίετΛ͔͚͍ͯ͘ҙࢥܾఆ

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Smart, Secure, Mobile Super powered Banking and Living. ϞόΠϧΞϓϦ͚ͩͰͳ͘؅ཧը໘ΛؚΊͨαʔόʔαΠυ΋ࣗલͰߏங w ຊਓ֬ೝͷঝೝϑϩʔͷ࠷దԽ"NB[PO3FLPHOJUJPOͰͷإࣸਅղੳͳͲ   ӡ༻ίετͷܰݮ΍ਃ੥಺༰ͷਖ਼౰ੑΛ୲อ͢Δ޻෉

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൜ࡑऩӹҠస๷ࢭ๏ͰٻΊΒΕΔຊਓ֬ೝͷཁ݅

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ۚ༥΍௨৴αʔϏεͷܖ໿ͳͲͰͷैདྷͷຊਓ֬ೝ 💁ର໘Ͱͷຊਓ֬ೝ ࣮ళฮͷ૭ޱͰຊਓ֬ೝॻྨΛఏࣔ 📮༣ૹͰͷຊਓ֬ೝ ຊਓ֬ೝॻྨͷఏग़༣ศ෺ͷड͚औΓ w ର࿩νϟωϧΛ࣋ͨͳ͍8FCαʔϏε͸༣ૹͰͷຊਓ֬ೝΛ࠾༻ w ར༻։࢝·Ͱʹ࠷୹Ͱ΋਺೔ͷλΠϜϥά͕ൃੜ͢Δͷ͕՝୊

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൜ࡑऩӹҠస๷ࢭ๏ͷվਖ਼ʢ೥݄ʣ w ΦϯϥΠϯͰ׬݁͢Δඇର໘ܕͷຊਓ֬ೝ͕Մೳʹ w #ͷΑ͏ͳϓϦϖΠυΧʔυͷαʔϏε͚ͩͰͳ͘ɺۜߦޱ࠲ ͷ։ઃ΍ΫϨδοτΧʔυͷ৽نਃ͠ࠐΈͳͲɺ෯޿ۚ͘༥αʔϏ εͷརศੑ޲্ʹӨڹ ΦϯϥΠϯͰߦΘΕΔຊਓ֬ೝΛF,:$ͱ͍͍·͢ F,:$lFMFDUSPOJD,OPX:PVS$VTUPNFSz

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൜ࡑऩӹҠస๷ࢭ๏վਖ਼Ͱ௥Ճ͞ΕͨΦϯϥΠϯͰͷຊਓ֬ೝํ๏ ސ٬ ຊਓ֬ೝॻྨͷը૾ૹ৴ຊਓͷ༰๴ͷը૾ૹ৴ ࣄۀऀ ຊਓ֬ೝॻྨͷը૾ຊਓͷ༰๴ͷը૾ૹ৴ ސ٬ ຊਓ֬ೝॻྨͷ*$νοϓ৘ใૹ৴ຊਓͷ༰๴ͷը૾ૹ৴ ࣄۀऀ *$νοϓ৘ใސ٬ͷ༰๴ͷը૾ૹ৴ ސ٬ ຊਓ֬ೝॻྨͷը૾ຢ͸ *$νοϓ৘ใૹ৴ ۜߦ౳ ۜߦ౳΁ͷরձ ࣄۀऀ ސ٬৘ใরձ ˞Πϯλʔωοτ্ͷϏσΦ௨࿩ػೳΛར༻ͨ͠ํ๏΋Մ ଞʹ΋ϚΠφϯόʔΧʔυͷॺ໊༻ిࢠূ໌ॻΛ࢖͏ํ๏ͱ͔ز͔ͭ͋Γ·͢ ΋͏গ͠ৄ͍͠ࢿྉΛݟ͍ͨਓ͸ͪ͜Β IUUQTXXXGTBHPKQDPNNPOMBXHVJEFLBLVOJORBQEG

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ސ٬ ຊਓ֬ೝॻྨͷը૾ૹ৴ຊਓͷ༰๴ͷը૾ૹ৴ ࣄۀऀ ຊਓ֬ೝॻྨͷը૾ຊਓͷ༰๴ͷը૾ૹ৴ ސ٬ ຊਓ֬ೝॻྨͷ*$νοϓ৘ใૹ৴ຊਓͷ༰๴ͷը૾ૹ৴ ࣄۀऀ *$νοϓ৘ใސ٬ͷ༰๴ͷը૾ૹ৴ ސ٬ ຊਓ֬ೝॻྨͷը૾ຢ͸ *$νοϓ৘ใૹ৴ ۜߦ౳ ۜߦ౳΁ͷরձ ࣄۀऀ ސ٬৘ใরձ ˞Πϯλʔωοτ্ͷϏσΦ௨࿩ػೳΛར༻ͨ͠ํ๏΋Մ ଞʹ΋ϚΠφϯόʔΧʔυͷॺ໊༻ిࢠূ໌ॻΛ࢖͏ํ๏ͱ͔ز͔ͭ͋Γ·͢ ΋͏গ͠ৄ͍͠ࢿྉΛݟ͍ͨਓ͸ͪ͜Β IUUQTXXXGTBHPKQDPNNPOMBXHVJEFLBLVOJORBQEG ൜ࡑऩӹҠస๷ࢭ๏վਖ਼Ͱ௥Ճ͞ΕͨΦϯϥΠϯͰͷຊਓ֬ೝํ๏

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w ۩ମํ๏͸ʮ൜ࡑʹΑΔऩӹͷҠస๷ࢭʹؔ͢Δ๏཯ࢪߦنଇ̒৚߲̍̍߸ϗʯʹهࡌ w ސ٬ຊਓຢ͸ͦͷ୅දऀʹࣄۀऀͷΞϓϦΛ࢖༻ͯ͠ࡱӨͤͨ͞ w ຊਓͷ༰๴ͱຊਓ֬ೝॻྨʹషΓ෇͚ΒΕͨࣸਅͱ w ຊਓ֬ೝॻྨͷਅآΛ͔֬ΊΔͨΊͷްΈͦͷଞಛ௃ΛࡱӨͨࣸ͠ਅͰ w ຊਓΛ֬ೝ͢Δํ๏ ๏཯ͷจষ͸ಡΈʹ͍͘ͷͰҙ༁ͯ͠·͢ ސ٬ ຊਓ֬ೝॻྨͷը૾ૹ৴ຊਓͷ༰๴ͷը૾ૹ৴ ࣄۀऀ ຊਓ֬ೝॻྨͷը૾ຊਓͷ༰๴ͷը૾ૹ৴ ˞Πϯλʔωοτ্ͷϏσΦ௨࿩ػೳΛར༻ͨ͠ํ๏΋Մ ൜ࡑऩӹҠస๷ࢭ๏վਖ਼Ͱ௥Ճ͞ΕͨΦϯϥΠϯͰͷຊਓ֬ೝํ๏

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۩ମతʹ๏཯ͰٻΊΒΕΔ͜ͱᶃ w ސ٬ຊਓຢ͸ͦͷ୅දऀʹࣄۀऀͷ ΞϓϦΛ࢖༻ͯ͠ࡱӨͤ͞Δ w ࡱӨࡁΈͷࣸਅͰ͸ͳ͘ɺΞϓϦ ಺ͰࡱӨΛٻΊΔ w ࠨӈ্Լͷ͏ͪϥϯμϜʹࢦࣔग़ ͠Λͯ͠ϩϘοτͰ͸ͳ͘ɺຊਓ ͕ࡱӨ͍ͯ͠Δ͜ͱΛ୲อ

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۩ମతʹ๏཯ͰٻΊΒΕΔ͜ͱᶄ w ຊਓͷ༰๴ͱຊਓ֬ೝॻྨʹషΓ෇ ͚ΒΕͨࣸਅΛࡱӨͯ͠΋Β͏ w ࣸਅ෇͖ͷຊਓ֬ೝॻྨΛࡱӨ w ӡస໔ڐূɺϚΠφϯόʔΧʔ υɺࡏཹΧʔυಛผӬॅऀূ໌ ॻɺύεϙʔτʢd೥݄ൃߦ෼·Ͱʣ w ΞϓϦ಺Ͱਖ਼໘ࣸਅΛࡱӨ

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۩ମతʹ๏཯ͰٻΊΒΕΔ͜ͱᶅ w ຊਓ֬ೝॻྨͷਅآΛ͔֬ΊΔͨΊ ͷްΈͦͷଞಛ௃ΛࡱӨͯ͠΋Β͏ w ຊਓ֬ೝॻྨʹԠͯ͡ɺද໘ɾཪ ໘ΛࡱӨ w ࣼΊ͔ΒࣸਅΛࡱͬͯ΋Β͏͜ͱ ͰްΈΛࡱӨ

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ࡉ͔͍ཁ݅ʹ͍ͭͯ·ͱΊͨ2"΋ެ։͞Ε͍ͯΔ IUUQTXXXGTBHPKQDPNNPOMBXHVJEFLBLVOJORBIUNM

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w ೥݄ͷ൜ࡑऩӹҠస๷ࢭ๏ͷ๏վਖ਼ͰΦϯϥΠϯͰͷຊਓ֬ೝ͕ Ͱ͖ΔΑ͏ʹͳͬͨ w ຊਓ֬ೝͷ۩ମతͳख๏͕๏཯ͰఆΊΒΕ͓ͯΓɺࡉ͔ͳ࢓༷ʹ͍ͭͯͷ 2"΋ެ։͞Ε͍ͯΔ w ޙ͸๏཯ͱ2"ʹج͍ͮͯɺຊਓ֬ೝͷγεςϜΛߏங͢Ε͹ྑ͍͚ͩʂ খ·ͱΊ൜ࡑऩӹҠస๷ࢭ๏ͰٻΊΒΕΔຊਓ֬ೝͷཁ݅ ͱ͸ݴ͑ΨΠυϥΠϯΛ࣮ࡍͷ࢓༷ʹམͱ͠ࠐΉ ͷ͸ͳ͔ͳ͔ࠎ͕ંΕΔ࡞ۀʜ

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ຊਓ֬ೝγεςϜͷΞʔΩςΫνϟ

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ຊਓ֬ೝγεςϜͷΞʔΩςΫνϟ #ΞϓϦ 4 424 "VSPSB 3FLPHOJUJPO DPSFBQJ BNMBQJ BENJOXFC ൓ࣾձత੎ྗ%# ຊਓ֬ೝ৘ใͷอଘ ϋΠϦεΫϢʔβʔ ͷݕࡧ ຊਓ֬ೝۀ຿ͷ࣮ࢪ ☑ ☑ ☑ ☑ ຊਓ֬ೝͷઆ໌ʹߜΔͨΊࡉ෦͸লུ͍ͯ͠·͢ɻશମ૾͸ͪ͜Β͔Β IUUQTTNBSUCBOLDPKQSFDSVJUFOHJOFFSTVNNBSZ ཁ஫ҙਓ෺%# $4֎෦ҕୗ

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ཁ஫ҙਓ෺%# #ΞϓϦ 4 424 "VSPSB 3FLPHOJUJPO DPSFBQJ BNMBQJ BENJOXFC ൓ࣾձత੎ྗ%# ຊਓ֬ೝ৘ใͷอଘ ϋΠϦεΫϢʔβʔ ͷݕࡧ ຊਓ֬ೝۀ຿ͷ࣮ࢪ ☑ ☑ ☑ ☑ ຊਓ֬ೝͷઆ໌ʹߜΔͨΊࡉ෦͸লུ͍ͯ͠·͢ɻશମ૾͸ͪ͜Β͔Β IUUQTTNBSUCBOLDPKQSFDSVJUFOHJOFFSTVNNBSZ #ΞϓϦʢJ04"OESPJEʣ $4֎෦ҕୗ

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Smart, Secure, Mobile Super powered Banking and Living. ࢯ໊ॅॴͷೖྗ إࣸਅͷࡱӨ ຊਓ֬ೝॻྨͷࡱӨ #ΞϓϦʢJ04"OESPJEʣ

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Smart, Secure, Mobile Super powered Banking and Living. 7JTJPOGSBNFXPSLͷۣܗݕग़ػೳΛ׆༻ ʢ"OESPJE͸0QFO$7Ͱࣗલղੳʣ ຊਓ֬ೝॻྨ   ʢӡస໔ڐॻͷ৔߹ʣ ද໘ཪ໘ްΈʢࣼΊʣΛࡱӨ إࣸਅ إͷ޲͖ͳͲͷࢦࣔͰ਺ຕΛࡱӨ .-,JUͷإݕग़ػೳΛ׆༻ 7JTJPOGSBNFXPSL.-,JUΛ׆༻ͨࣗ͠ಈࡱӨΛ࣮૷

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Smart, Secure, Mobile Super powered Banking and Living. 7JTJPOGSBNFXPSL.-,JUΛ׆༻ͨࣗ͠ಈࡱӨΛ࣮૷ ⁞ Ωϟϓνϟը૾ͷऔಘ   7JTJPOGSBNFXPSL.-,JUͷݕग़ثʹ͔͚Δ ⁠ ۣܗإ͕ݕग़͞ΕͨΒҐஔͳͲ͕ࡱӨ৚݅ʹ߹க͢Δ͔൑ఆ

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Smart, Secure, Mobile Super powered Banking and Living. 7JTJPOGSBNFXPSL.-,JUΛ׆༻ͨࣗ͠ಈࡱӨΛ࣮૷ ⁞ Ωϟϓνϟը૾ͷऔಘ ॲཧͷྲྀΕࣗମ͸୯७͕ͩࡱӨ৚݅ͷᮢ஋Λ୳Δඞཁ🔍 ຊਓ֬ೝͱͯ͠ෆద੾ͳը૾ʹ ࡱӨ৚͕݅؇͗͢Δͱʜ Ϣʔβʔͷେ͖ͳ཭୤ϙΠϯτʹ ࡱӨ৚͕݅ݫ͗͢͠Δͱʜ   7JTJPOGSBNFXPSL.-,JUͷݕग़ثʹ͔͚Δ ⁠ ۣܗإ͕ݕग़͞ΕͨΒҐஔͳͲ͕ࡱӨ৚݅ʹ߹க͢Δ͔൑ఆ

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Smart, Secure, Mobile Super powered Banking and Living. ྫຊਓ֬ೝॻྨͷްΈʢࣼΊʣ ɾ࠷େ෯͕ΨΠυ࿮ʹର͠ʙ ɾ࠷େߴ͕ΨΠυ࿮ʹର͠ʙ ɾΨΠυ࿮ͷॏ৺ͱͷڑ཭͕ʓҎԼ ɾԼลʹର͢Δ্ลͷׂ߹͕ʓҎԼ ɾࠨลͱӈลͷͶ͡Ε͕ʓʙʓ ࣾ಺ϢʔβʔςετΛ܁Γฦͯ͠ద੾ͳࡱӨ৚݅ͷᮢ஋Λ୳Δ

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Smart, Secure, Mobile Super powered Banking and Living. ྫࠨ޲͖ͷإࣸਅ ɾإͷԣ෯͕ΨΠυ࿮ʹର͠Ҏ্ ɾإͱΨΠυ࿮ͷॏ৺ͷڑ཭͕ʓҎԼ ɾإͷ9࣠;࣠Ͱͷ܏͖͕ʓ౓ʙʓ౓ ɾإͷ:࣠Ͱͷ܏͖͕ʓ౓Ҏ্ ɾ໨͕։͍͍ͯΔ֬཰͕ʓҎ্ ࣾ಺ϢʔβʔςετΛ܁Γฦͯ͠ద੾ͳࡱӨ৚݅ͷᮢ஋Λ୳Δ

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#ΞϓϦ 4 424 "VSPSB 3FLPHOJUJPO DPSFBQJ BNMBQJ BENJOXFC ൓ࣾձత੎ྗ%# ຊਓ֬ೝ৘ใͷอଘ ϋΠϦεΫϢʔβʔ ͷݕࡧ ຊਓ֬ೝۀ຿ͷ࣮ࢪ $4֎෦ҕୗ ☑ ☑ ☑ ☑ ຊਓ֬ೝͷઆ໌ʹߜΔͨΊࡉ෦͸লུ͍ͯ͠·͢ɻશମ૾͸ͪ͜Β͔Β IUUQTTNBSUCBOLDPKQSFDSVJUFOHJOFFSTVNNBSZ ཁ஫ҙਓ෺%# αʔόʔαΠυɾΞϓϦέʔγϣϯ

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#ΞϓϦ 4 424 "VSPSB 3FLPHOJUJPO DPSFBQJ BNMBQJ ൓ࣾձత੎ྗ%# ຊਓ֬ೝ৘ใͷอଘ ϋΠϦεΫϢʔβʔ ͷݕࡧ "84ػೳɺࣗલϚΠΫϩαʔϏεΛར༻ͯ͠ड෇ػೳΛߏங ཁ஫ҙਓ෺%#

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ཁ஫ҙਓ෺%# 4 424 "VSPSB 3FLPHOJUJPO BNMBQJ ൓ࣾձత੎ྗ%# ϋΠϦεΫϢʔβʔ ͷݕࡧ γεςϜϑϩʔ #ΞϓϦ DPSFBQJ ຊਓ֬ೝ৘ใͷอଘ ⁞ຊਓ֬ೝ৘ใͷૹ৴ ࢯ໊౳ͷೖྗ৘ใ ຊਓ֬ೝॻྨͷࣸਅ إը૾ͷࣸਅ

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ཁ஫ҙਓ෺%# #ΞϓϦ 424 3FLPHOJUJPO BNMBQJ ൓ࣾձత੎ྗ%# ϋΠϦεΫϢʔβʔ ͷݕࡧ  ຊਓ֬ೝ৘ใͷอଘ %# ࢯ໊౳ͷೖྗ৘ใ 4 ຊਓ֬ೝॻྨͷࣸਅ 4 إը૾ͷࣸਅ 4 "VSPSB DPSFBQJ ຊਓ֬ೝ৘ใͷอଘ γεςϜϑϩʔ

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ཁ஫ҙਓ෺%# #ΞϓϦ 424 "VSPSB DPSFBQJ BNMBQJ ൓ࣾձత੎ྗ%# ຊਓ֬ೝ৘ใͷอଘ ϋΠϦεΫϢʔβʔ ͷݕࡧ ⁠ຊਓ͔Βͷਃ੥֬ೝ ຊਓ֬ೝॻྨͷإࣸਅͱɺΞϓ Ϧ͔ΒࡱӨͨ͠إࣸਅͷҰக൑ ఆΛߦ͏ 4 3FLPHOJUJPO γεςϜϑϩʔ

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"NB[PO3FLPHOJUJPO w ࣄલʹτϨʔχϯά͞ΕͨػցֶशϞσϧΛ࢖༻ͯ͠ը૾ೝࣝ΍ಈը ෼ੳ͕Ͱ͖ΔαʔϏε w ຊਓ֬ೝʹదͨ͠ػೳΛఏڙ͍ͯ͠Δ w إͷྨࣅੑ൑அإͷ׆ੑΛݕग़ࣗࡱΓࣸਅͷݕূ਎෼ূ໌ॻ ͷ෼ྨ w "844%,GPS3VCZ7ͳͲϥΠϒϥϦ͕ఏڙ͞Ε͓ͯΓɺಋೖ͕؆୯

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TJNJMBSJUZ "NB[PO3FLPHOJUJPO

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"NB[PO3FLPHOJUJPOͷείΞʹΑΔ൑ఆ είΞϦϯά ৹ࠪ΁ ࣗಈͰ࠶ਃ੥ґཔ ᮢ஋ ௒͑ ᮢ஋ ௒͑ ௿೉қ౓Ҋ݅ ߴ೉қ౓Ҋ݅ ˞ڈ೥·Ͱ :&4 :&4 /0 /0

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#ΞϓϦ 4 "VSPSB 3FLPHOJUJPO ⁡ϋΠϦεΫϢʔβʔ൑ఆ ࢯ໊ɾੜ೥݄೔ɾੑผ౳ͷೖྗ ৘ใΛݩʹɺ".-$'5%#ʹ র߹ͯ͠ϦεΫ൑ఆΛߦ͏ DPSFBQJ BNMBQJ ຊਓ֬ೝ৘ใͷอଘ ϋΠϦεΫϢʔβʔ ͷݕࡧ ൓ࣾձత੎ྗ%# ཁ஫ҙਓ෺%# γεςϜϑϩʔ 424

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ཁ஫ҙਓ෺ɾ൓ࣾձ੎ྗ%# w ֤ࠃ੓෎͕ެ։͍ͯ͠Δ֎ࠃ1&1T΍ ֎ަ׭ɺࢿ࢈ౚ݁ऀͳͲཁ஫ҙਓ෺Λ ΫϩʔϦϯά౳ͯࣗࣾ͠%#ʹอଘ w ๫ྗ௥์ӡಈਪਐηϯλʔͱ࿈ܞͯ͠ ൓ࣾνΣοΫΛ࣮ࢪ

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ཁ஫ҙਓ෺ɾ൓ࣾձ੎ྗ%# w %#ʹ͸1PTUHSFTΛར༻ w 1(SPPOHBΛ࢖ͬͯશจݕࡧ͢Δ͜ͱͰݕࡧ࿙ΕΛ๷ࢭ w ҰํͰޡݕ஌΋ଟ͍ͷ͕՝୊ʜ

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ཁ஫ҙਓ෺%# #ΞϓϦ 4 424 "VSPSB 3FLPHOJUJPO DPSFBQJ BNMBQJ ൓ࣾձత੎ྗ%# ຊਓ֬ೝ৘ใͷอଘ ϋΠϦεΫϢʔβʔ ͷݕࡧ BENJOXFC ຊਓ֬ೝۀ຿ͷ࣮ࢪ ☑ ☑ ☑ ☑ $4޲͚ຊਓ֬ೝ৹ࠪը໘ $4֎෦ҕୗ

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৹ࠪํ๏ w શͯͷਃ੥Λ໨ࢹͰ֬ೝ͠ɺखಈͰ৹ࠪΛߦͳ͍ͬͯΔ w ਃ੥͔Β৹ࠪ׬ྃ·Ͱ͸਺෼d਺೔ͷλΠϜϥά͕͋Δ w ৹ࠪ͢ΔͨΊͷը໘΋ࣗࣾͰߏங w 3FBDU"ENJOͱ͍͏ϑϩϯτͷϑϨʔϜϫʔΫΛ࢖༻

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৹ࠪը໘

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৹ࠪը໘ 3FLPHOJUJPOͷ ࣮ߦ݁Ռ ϋΠϦεΫϢʔβʔ ͷݕࡧ݁Ռ

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ຊਓ֬ೝۀ຿ͷମ੍

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ຊਓ֬ೝۀ຿Λߦ͏ମ੍ͱ໾ׂ෼୲ ਖ਼ࣾһ ਺໊ ελοϑ ਺໊ ֎෦ҕୗઌ ਺໊

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ຊਓ֬ೝۀ຿Λߦ͏ମ੍ͱ໾ׂ෼୲ ਖ਼ࣾһ ਺໊ ελοϑ ਺໊ ֎෦ҕୗઌ ਺໊ جຊతͳਃ੥ύλʔϯ ਺͕ଟ͍΋ͷ ෆਖ਼ϦεΫ͕௿͍΋ͷ

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ຊਓ֬ೝۀ຿Λߦ͏ମ੍ͱ໾ׂ෼୲ ਖ਼ࣾһ ਺໊ ελοϑ ਺໊ ֎෦ҕୗઌ ਺໊ ਺͕গͳ͍ਃ੥ύλʔϯ ෆਖ਼ϦεΫ͕ߴ͍΋ͷ ֎෦ҕୗઌͷαϙʔτ جຊతͳਃ੥ύλʔϯ ਺͕ଟ͍΋ͷ ෆਖ਼ϦεΫ͕௿͍΋ͷ

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ຊਓ֬ೝۀ຿Λߦ͏ମ੍ͱ໾ׂ෼୲ ਖ਼ࣾһ ਺໊ ελοϑ ਺໊ ֎෦ҕୗઌ ਺໊ ॳग़ύλʔϯ ରԠ͕ෳࡶͳ΋ͷ ਺͕গͳ͍ਃ੥ύλʔϯ ෆਖ਼ϦεΫ͕ߴ͍΋ͷ ֎෦ҕୗઌͷαϙʔτ جຊతͳਃ੥ύλʔϯ ਺͕ଟ͍΋ͷ ෆਖ਼ϦεΫ͕௿͍΋ͷ

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৹ࠪۀ຿ͷ಺༰

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৹ࠪۀ຿ͷ಺༰

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৹ࠪ࣌ͷνΣοΫϙΠϯτྫϩϘοτ൑ఆ w ਃ੥͞ΕͨॻྨͱҰக͍ͯ͠ Δ͔ʁ w ΞϓϦͷࡱӨҐஔͷࢦࣔ௨Γ ʹࡱӨ͞Ε͍ͯΔ͔ʁ

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৹ࠪ࣌ͷνΣοΫϙΠϯτʹ͍ͭͯ w ๏཯ʹنఆ͞Ε͍ͯΔ಺༰͔Βɺ֬ೝ͕ٻΊΒΕΔ಺༰ Λચ͍ग़ͯ͠νΣοΫϙΠϯτͱͯ͠ઃఆ w ຊਓ֬ೝॻྨͷްΈͷ֬ೝͳͲɺ۩ମํ๏͕෼͔Βͳ͍ ෦෼͸ΨΠυϥΠϯΛࢀরͨ͠ΓɺίϯϓϥΠΞϯε෦ ʹ֬ೝͯ͠ઃఆ

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ۀ຿ޮ཰ԽͷͨΊͷ։ൃ

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ۀ຿͕ߦ͍΍͍͢Α͏ʹը໘σβΠϯ͸Կ౓͔ϒϥογϡΞοϓ ॏཁͳ৘ใΛݟ΍͘͢੔͑ͨΓ

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ۀ຿͕ߦ͍΍͍͢Α͏ʹը໘σβΠϯ͸Կ౓͔ϒϥογϡΞοϓ #FGPSF "GUFS ը૾ͷαΠζΛେ͖ͯ͘͠ࢹೝੑΛߴ ΊͨΓ

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ӡ༻޲͚ػೳd୲౰ऀͷΞαΠϯd

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ӡ༻޲͚ػೳd୲౰ऀͷΞαΠϯd ϦϦʔεͯ͠਺ϲ݄͘Β͍͸ʜ ը໘ͷҰ൪্͔Β΍ΔͶʂ ๭$&0 ๭Ϛʔέλʔ ࣗ෼͸࠷ޙͷϖʔδͷҰ൪Լ͔Β΍Δʂ ࣗ෼ ͡Ό͋ਅΜத΍Γ·͢ʂʢਅΜதͱ͸ʣ

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ը໘ͷҰ൪্͔Β΍ΔͶʂ ๭$&0 ๭Ϛʔέλʔ ࣗ෼͸࠷ޙͷϖʔδͷҰ൪Լ͔Β΍Δʂ ࣗ෼ ͡Ό͋ਅΜத΍Γ·͢ʂʢਅΜதͱ͸ʣ ഁ୼ʂʂ ӡ༻޲͚ػೳd୲౰ऀͷΞαΠϯd ϦϦʔεͯ͠਺ϲ݄͘Β͍͸ʜ

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ӡ༻޲͚ػೳd୲౰ऀͷΞαΠϯd w ৚݅Λࢦఆͯࣗ͠෼͕୲౰͢Δ΋ͷΛׂΓ ౰ͯΒΕΔػೳ w ྫ͑͹֎෦ҕୗͷํͩͱҎԼ৚݅ͰׂΓ౰ ͯΔ w ຊਓ֬ೝॻྨ w ӡస໔ڐূɺϚΠφϯόʔΧʔυ w ".-ͷঢ়ଶ w ໰୊ͳ͠

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·ͱΊ

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w ͳͥຊਓ֬ೝγεςϜ͕ඞཁͩͬͨͷ͔ʁɹ ▶︎ ɹࢿۚҠಈۀऀͱͯٛ͠຿Խ͞Ε͍ͯͨͨΊ w ֎෦ϕϯμʔ΋͋ΔதͰࣗલߏஙΛબ୒ͨ͠ཧ༝ɹ ▶︎ ɹϢʔβʔମݧΛॏࢹͨͨ͠Ί w ຊਓ֬ೝγεςϜʹٻΊΒΕΔཁ݅ɹ ▶︎ ɹ൜ࡑऩӹҠస๏ͷվਖ਼಺༰ͱ۩ମཁ݅Λઆ໌ w ຊਓ֬ೝγεςϜͷΞʔΩςΫνϟͱͦͷத਎ɹ ▶︎ ɹΞϓϦdαʔόʔd৹ࠪը໘Λ঺հ w ຊਓ֬ೝۀ຿ʹ͓͚Δ޻෉ɹ ▶︎ ɹମ੍ɾ৹ࠪը໘ɾϚχϡΞϧ౳Λ঺հ ·ͱΊ

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ຊਓ֬ೝγεςϜΛࣗલͰߏஙͯ͠Έͯ w ຊਓ֬ೝʹඞཁͳཁ݅͸๏཯΍ΨΠυϥΠϯͰنఆ͞Ε͓ͯΓɺࣗલߏஙʹඞཁͳ ٕज़͸ϥΠϒϥϦ΍"84αʔϏεΛར༻ͯ͠ɺ௿ίετͰߏஙͰ͖ͨ w ࣗલߏங͢Δ͜ͱʹΑΓγʔϜϨεͳΦϯϘʔσΟϯάମݧΛఏڙͰ͖͍ͯΔ w ຊਓ֬ೝγεςϜΛఏڙ͍ͯ͠ΔϕϯμʔΛར༻ͨ͠৔߹ͷߏஙඅɾγεςϜҡ࣋ අΛ࡟ݮͰ͖͍ͯΔͷ͸ελʔτΞοϓʹͱͬͯ˕ w ҰํͰ*$νοϓಡΈऔΓͳͲɺॳظߏஙͰରԠ͠ͳ͔ͬͨํ๏Λ࣮૷͠Α͏ͱ͢Δ ͱࣾ಺Ͱ։ൃ͢Δ͔͠ͳ͍ͨΊɺอकӡ༻ؚΊͯ૬ԠͷίετΛ͔͚͍ͯ͘͜ͱΛ ֮ޛ͢Δඞཁ͸͋Δ

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ຊਓ֬ೝͷ͜Ε͔Β

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Smart, Secure, Mobile Super powered Banking and Living. ຊਓ֬ೝʹ·ͭΘΔੈͷதͷτϐοΫ w ൜ࡑऩӹҠస๷ࢭ๏ͷຊਓ֬ೝํ๏͕ϚΠφϯόʔΧʔυʹҰຊԽ͞ΕΔ͔΋ʁ w ܞଳܖ໿ͷຊਓ֬ೝͰ͸ϚΠφϯόʔΧʔυͷಡΈऔΓٛ຿Խʮඇର໘ͷܖ ໿ʯͰ͸ϚΠφΧʔυʹҰຊԽ w ຊਓ֬ೝͷࣸਅʹ%FFQGBLFͰͷͳΓ͢·͠߈ܸ͕࢖ΘΕΔࡍͷରԠΛͲ͏͢Δ ͔ʁ w ҆શͳຊਓ֬ೝͷγεςϜɾӡ༻ͷͨΊʹ͸ৗʹϒϥογϡΞοϓ͠ଓ͚Δඞཁ͕ ͋Δ

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͝ਗ਼ௌ͋Γ͕ͱ͏͍͟͝·ͨ͠