Balance Security and Usability in the Field of 3D Secure

by Masato Ohba

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#BMBODF4FDVSJUZBOE6TBCJMJUZ JOUIF'JFMEPG%4FDVSF .BTBUP0ICB !PICBSZF   ,BJHJPO3BJMT

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ಋೖ ໰͍ ηΩϡϦςΟͱϢʔβϏϦςΟ͸ཱ྆͢Δ͔ʁ ηΩϡϦςΟ   *40*&$ʹ͓͍ͯॏࢹ͞ΕΔ৘ใηΩϡϦςΟཁૉͷ   $*"ʢػີੑɾ׬શੑɾՄ༻ੑʣΛҡ࣋͢Δ͜ͱ ϢʔβϏϦςΟ   ʮ͋Δ੡඼Λɺಛఆͷར༻ऀ͕ɺಛఆͷ໨తΛୡ੒͠Α͏ͱ͢Δʹ ͋ͨͬͯɺಛఆͷঢ়گͰɺ͍͔ʹޮՌతʹɺޮ཰తʹɺຬ଍Ͱ͖Δ Α͏ʹ࢖͑Δ͔ͷ౓߹͍ʯʢ*40ʣ ౰ࢿྉͰʮηΩϡϦςΟʯʮϢʔβϏϦςΟʯͱ͍͏ͱ͖͸্هͷఆٛΛ༻͍Δ

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ಋೖ ৘ใηΩϡϦςΟͷେཁૉ ݶΒΕͨਓ͚͕ͩ৘ใʹ઀৮Ͱ ͖ΔΑ͏ʹ੍ݶΛ͔͚Δ͜ͱ ػີੑʢ$PO fi EFOUJBMJUZʣ ׬શੑʢ*OUFHSJUZʣ ෆਖ਼ͳվ͟ΜͳͲ͔Βอޢ͢Δ ͜ͱ Մ༻ੑʢ"WBJMBCJMJUZʣ ར༻ऀ͕ඞཁͳͱ͖ʹ҆શʹΞ ΫηεͰ͖Δ؀ڥͰ͋Δ͜ͱ ػີੑɾ׬શੑͷͨΊʹݱ࣮తͰ͸ͳ͍ରࡦΛॏͶΔͱ   ར༻ऀ͕ୡ੒͍ͨ͜͠ͱΛຬͨͤͳ͍αʔϏεͱͳΓՄ༻ੑΛଛͳ͏ *40ʹΑΔͱେཁૉ͕ͩ͜͜Ͱ͸؆ศ͞ͷͨΊେཁૉͷΈࢀর

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ύεϫʔυͷఆظมߋɹɹηΩϡϦςΟɹϢʔβϏϦςΟ IUUQTTQFBLFSEFDLDPNLUISUUZSFO[IFOHOJNBUVXBSVTFLJZVSJUFJGBMTFYJODIBOHTIJ

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ੜମೝূɹɹηΩϡϦςΟɹϢʔβϏϦςΟ

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$"15$)"ɹɹηΩϡϦςΟ ɹϢʔβϏϦςΟ IUUQTPOF[FSPNFEJVNDPNXIZDBQUDIBQJDUVSFTBSFTPVOCFBSBCMZEFQSFTTJOHCDGB

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J04CZQBTT$"15$)"$MPVEGMBSF5VSOTUJMFɹɹηΩϡϦςΟɹϢʔβϏϦςΟ IUUQTUPNBDDPNJPTCZQBTTDBQUDIBT   IUUQTCMPHDMPVE fl BSFDPNUVSOTUJMFQSJWBUFDBQUDIBBMUFSOBUJWF

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Ұ෦ళฮͰͷΧʔυࢧ෷͍ɹɹηΩϡϦςΟɹϢʔβϏϦςΟ

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ಋೖ w ηΩϡϦςΟͱϢʔβϏϦςΟ Λߴ͍ਫ४Ͱཱ྆ͤ͞Δ͜ͱΛ ໨ࢦͨ͠ݚڀ෼໺ w Ϣʔβͷߦಈಛੑ΍৺ཧಛੑΛ ߟྀͨ͠ηΩϡϦςΟٕज़ͷ։ ൃ΍ɺطଘٕज़ͷϢʔβϏϦ ςΟධՁͳͲ͕ߦΘΕ͍ͯΔ ϢʔβϒϧηΩϡϦςΟ IUUQTMJOLTQSJOHFSDPNCPPL   IUUQTUXJUUFSDPNEPDLFSDPOTUBUVT   IUUQTTDBOOFUTFDVSJUZOFKQBSUJDMFIUNM

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ಋೖ ࿩͢͜ͱ 💳🧓 %ηΩϡΞͱ͸Կ͔   ෆਖ਼ར༻ͱઓ͏ɺ೥ͷྺ࢙Λ࣋ͭϓϩτίϧ 🔐🤝 %ηΩϡΞ͕ηΩϡϦςΟͱϢʔβϏϦςΟΛཱ྆ͤ͞Δʹ͍ͨΔ·Ͱ 🏦🏢 ੈʹ΄ͱΜͲ஌ΒΕ͍ͯͳ͍%ηΩϡΞͷཪଆͷ࢓૊Έ   Χʔυձࣾ໨ઢͰͷӡ༻

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ಋೖ ૝ఆ͢Δฉ͖ख 🙋 ηΩϡϦςΟ͔ϢʔβϏϦςΟɺ·ͨ͸྆ํʹؔ৺͕͋Γɺ   ͭΛཱ྆ͤ͞ΔࣄྫΛ௨ͯ͡஌ࣝΛਂΊ͍ͨ 🙋 ΦϯϥΠϯܾࡁΛఏڙ͢ΔαʔϏεɺϓϩμΫτʹؔΘΔ 😎 Χʔυܾࡁ%ηΩϡΞͷཪଆͷ࢓૊Έʹڵຯ͕͋Δ

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ڈ೥΋ϓϩτίϧͷ࿩ͯ͠·ͨ͠ IUUQTTQFBLFSEFDLDPNPICBSZFTBGFSFUSZXJUIJEFNQPUFODZLFZIFBEFS %ηΩϡΞϓϩτίϧೖ໳

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

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%ηΩϡΞͱ͸Կ͔

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%ηΩϡΞͱ͸   ిࢠ঎औҾʹೝূΛ௥Ճ͢Δ͜ͱͰ   ෆਖ਼ߦҝΛݮΒ͢͜ͱΛ໨తͱͨ͠ϓϩτίϧ ਖ਼ࣜӳޠදه͸%4FDVSFɺ೔ຊޠͰ͸%ηΩϡΞ͕ҰൠతɻຊࢿྉͰ͸%4·ͨ͸%ηΩϡΞͱදه

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%ηΩϡΞͱ͸Կ͔ ʁ

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%ηΩϡΞͱ͸Կ͔ ʁ ΦϯϥΠϯͰΧʔυܾࡁ͢Δͱ͖ʹ   ύεϫʔυೝূΛٻΊΒΕͨ͜ͱɺ͋Γ·͔͢ʁ   ͜͏͍͏΍ͭ ͋Δ ͳ͍

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%ηΩϡΞͱ͸Կ͔ ΦϯϥΠϯͰͷΧʔυܾࡁ ؆қ൛ 💁Χʔυॴ༗ऀ 🏪&$αΠτ 💳Χʔυձࣾ ࣮ࡍ͸Χʔυ൪߸Λ&$αΠτʹૹΔ͜ͱ͸΄ͱΜͲͳ͘ɺܾࡁ୅ߦձࣾΛܦ༝͢Δ   தؒʹ͸ܾࡁ୅ߦձࣾ΍ΧʔυωοτϫʔΫ౳͕ଘࡏ͢Δ͕؆୯ͷͨΊলུ

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

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

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

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

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

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

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

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

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

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

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

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

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

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%ηΩϡΞ   %FNP

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%ηΩϡΞɺ೥ͷาΈ

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ղܾ͍ͨ͠՝୊͸ ʮΦϯϥΠϯͷΧʔυܾࡁʹ͓͚Δෆਖ਼ར༻ʯ   ͔͜͜Β͸ͲͷΑ͏ʹղܾΛࢼΈ͖͔ͯͨͷྺ࢙ %ηΩϡΞɺ೥ͷาΈ

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%ηΩϡΞͷྺ࢙ IUUQTETFDVSFDPNUJNFMJOFΛϕʔεʹ࡞੒ ओཁΧʔυϒϥϯυ   %4ഇࢭ &.7$P͕   %4࢓༷ެ։ 7JTB͕   %4ఏڙ։࢝ %ηΩϡΞɺ೥ͷาΈ

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%ηΩϡΞ࣌୅ ओཁΧʔυϒϥϯυ   %4ഇࢭ &.7$P͕   %4࢓༷ެ։ 7JTB͕   %4ఏڙ։࢝ %ηΩϡΞɺ೥ͷาΈ

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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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💁🛍 💳🏢 🏪🛒 ࣄલʹ   Χʔυൃߦ ΦϯϥΠϯܾࡁ Χʔυձࣾʹ   ܾࡁՄ൱Λ໰͍߹Θͤ Χʔυձࣾ͸   ܾࡁՄ൱ΛԠ౴ ࣮ଶ %ηΩϡΞɺ೥ͷาΈ

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💁🛍 💳🏢 🏪🛒 %4ϓϩτίϧ   ఆΊͨͷͰ֤ҐΑΖ͘͠ ࣄલʹ   Χʔυൃߦ ΦϯϥΠϯܾࡁ Χʔυձࣾʹ   ܾࡁՄ൱Λ໰͍߹Θͤ Χʔυձࣾ͸   ܾࡁՄ൱ΛԠ౴ ࣮ଶ %ηΩϡΞɺ೥ͷาΈ

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💁🛍 💳🏢 🏪🛒 %4ϓϩτίϧ   ఆΊͨͷͰ֤ҐΑΖ͘͠ γεςϜΛ   վम͠ͳ͍ͱ γεςϜΛ   վम͠ͳ͍ͱ ࣄલʹ   Χʔυൃߦ ΦϯϥΠϯܾࡁ Χʔυձࣾʹ   ܾࡁՄ൱Λ໰͍߹Θͤ Χʔυձࣾ͸   ܾࡁՄ൱ΛԠ౴ ࣮ଶ %ηΩϡΞɺ೥ͷาΈ

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💁🛍 💳🏢 🏪🛒 %4ϓϩτίϧ   ఆΊͨͷͰ֤ҐΑΖ͘͠ ύεϫʔυΛΧʔυձࣾ ʹࣄલొ࿥ʁ γεςϜΛ   վम͠ͳ͍ͱ γεςϜΛ   վम͠ͳ͍ͱ ࣄલʹ   Χʔυൃߦ ΦϯϥΠϯܾࡁ Χʔυձࣾʹ   ܾࡁՄ൱Λ໰͍߹Θͤ Χʔυձࣾ͸   ܾࡁՄ൱ΛԠ౴ ࣮ଶ %ηΩϡΞɺ೥ͷาΈ

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%ηΩϡΞͷ՝୊ 🔐ೝূํࣜ શऔҾͰύεϫʔυೝূ࣮ࢪ😩 💰$73 ೝূը໘ભҠʹΑΔΧΰམͪൃੜ🛒   ύεϫʔυೝ஌౓ͷ௿͞ʹΑΔೖྗͷखؒ🤯 📱ϞόΠϧ ϒϥ΢βऔҾͷΈ   ϞόΠϧΞϓϦͰ͸8FC7JFX ϓϩτίϧͳͷͰ🏪͓ళͱ🏢Χʔυձࣾͷ྆ํ͕ରԠ͠ͳ͍ͱ͍͚ͳ͍   ʹ΋͔͔ΘΒͣಋೖʹ͋ͨͬͯϋʔυϧ͕͋ͬͨ %ηΩϡΞɺ೥ͷาΈ

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%4૯ׅ ిࢠ঎औҾͷηΩϡϦςΟ޲্͸෦෼తʹՌͨͤͨ   ͔͠͠ϢʔβϏϦςΟ͸௿Լ͠ɺීٴ΋͍·͍ͪ ηΩϡϦςΟ✅ ϢʔβϏϦςΟ❌ %ηΩϡΞɺ೥ͷาΈ

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%ηΩϡΞ࢓༷ެ։ &.7$P͸Χʔυܾࡁͷ҆શͱීٴଅਐ͢Δࠃࡍஂମ ओཁΧʔυϒϥϯυ   %4ഇࢭ &.7$P͕   %4࢓༷ެ։ 7JTB͕   %4ఏڙ։࢝ %ηΩϡΞɺ೥ͷาΈ

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%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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💁🛍 💳🏢 🏪🛒 ΦϯϥΠϯܾࡁ ϦεΫϕʔεೝূ %ηΩϡΞɺ೥ͷาΈ

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💁🛍 💳🏢 🏪🛒 ΦϯϥΠϯܾࡁ Χʔυձࣾʹ   %4Λཁٻ ܾࡁՄ൱Λ໰͍߹ΘͤΔલʹ   ຊਓೝূΛཁٻ͠Α͏ ϦεΫϕʔεೝূ %ηΩϡΞɺ೥ͷาΈ

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💁🛍 💳🏢 🏪🛒 ΦϯϥΠϯܾࡁ Χʔυձࣾʹ   %4Λཁٻ ʮ͜ͷऔҾͷϦεΫ͸ͲΕ͙Β͍͔ʁʯ Λࢉग़ͯ࣍͠ͷεςοϓΛܾఆ͢Δ ܾࡁՄ൱Λ໰͍߹ΘͤΔલʹ   ຊਓೝূΛཁٻ͠Α͏ ϦεΫϕʔεೝূ %ηΩϡΞɺ೥ͷาΈ

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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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💁🛍 💳🏢 🏪🛒 ΦϯϥΠϯܾࡁ Χʔυձࣾʹ   %4Λཁٻ ௿ϦεΫͷͱ͖ %ηΩϡΞɺ೥ͷาΈ

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💁🛍 💳🏢 🏪🛒 ΦϯϥΠϯܾࡁ Χʔυձࣾʹ   %4Λཁٻ ຊਓೝূ͸εΩοϓͯ͠   ܾࡁΛਐΊͯ0,ʂ ௿ϦεΫͷͱ͖ %ηΩϡΞɺ೥ͷาΈ

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💁🛍 💳🏢 🏪🛒 ΦϯϥΠϯܾࡁ Χʔυձࣾʹ   %4Λཁٻ ຊਓೝূ͸εΩοϓͯ͠   ܾࡁΛਐΊͯ0,ʂ ௿ϦεΫͷͱ͖ ϑϦΫγϣϯϨεϑϩʔ %ηΩϡΞɺ೥ͷาΈ

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💁🛍 💳🏢 🏪🛒 ΦϯϥΠϯܾࡁ Χʔυձࣾʹ   %4Λཁٻ ߴϦεΫͷͱ͖ %ηΩϡΞɺ೥ͷาΈ

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💁🛍 💳🏢 🏪🛒 ΦϯϥΠϯܾࡁ Χʔυձࣾʹ   %4Λཁٻ ຊਓೝূ͢Δ·Ͱ΋ͳ͍   औҾΛࣦഊͤͯ͘͞Εʂ ߴϦεΫͷͱ͖ %ηΩϡΞɺ೥ͷาΈ

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💁🛍 💳🏢 🏪🛒 ΦϯϥΠϯܾࡁ Χʔυձࣾʹ   %4Λཁٻ ຊਓೝূ͢Δ·Ͱ΋ͳ͍   औҾΛࣦഊͤͯ͘͞Εʂ ߴϦεΫͷͱ͖ %ηΩϡΞɺ೥ͷาΈ ϑϦΫγϣϯϨεϑϩʔ

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💁🛍 💳🏢 🏪🛒 ΦϯϥΠϯܾࡁ Χʔυձࣾʹ   %4Λཁٻ தϦεΫͷͱ͖ %ηΩϡΞɺ೥ͷาΈ

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💁🛍 💳🏢 🏪🛒 ΦϯϥΠϯܾࡁ Χʔυձࣾʹ   %4Λཁٻ ຊਓ͔Ͳ͏͔Λ֬ೝ͠Α͏ தϦεΫͷͱ͖ %ηΩϡΞɺ೥ͷาΈ

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💁🛍 💳🏢 🏪🛒 ΦϯϥΠϯܾࡁ Χʔυձࣾʹ   %4Λཁٻ ຊਓ͔Ͳ͏͔Λ֬ೝ͠Α͏ தϦεΫͷͱ͖ νϟϨϯδϑϩʔ %ηΩϡΞɺ೥ͷาΈ

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νϟϨϯδϑϩʔ IUUQTTVQQPSUCKQIDKBBSUJDMFT%ηΩϡΞೝূͷํ๏ΑΓ %ηΩϡΞɺ೥ͷาΈ

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%4૯ׅ ిࢠ঎औҾͰηΩϡϦςΟͱϢʔβϏϦςΟΛ   ཱ྆͢Δ࢓૊Έ͕Α͏΍͘ग़དྷͨ ηΩϡϦςΟ✅ ϢʔβϏϦςΟ✅ %ηΩϡΞɺ೥ͷาΈ

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೥݄ɺ%4ഇࢭ &.7$P͸Χʔυܾࡁͷ҆શͱීٴଅਐ͢Δࠃࡍஂମ ओཁΧʔυϒϥϯυ   %4ഇࢭ &.7$P͕   %4࢓༷ެ։ 7JTB͕   %4ఏڙ։࢝ %ηΩϡΞɺ೥ͷาΈ

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%ηΩϡΞɺ೥ͷาΈ IUUQTXXXDBSEJOBMDPNNFSDFDPNDPOUFOUIVCJOEVTUSZOFXTUIFTVOTFUPGET

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֤هࣄ63-͸ࢿྉ຤ඌʹهࡌ %ηΩϡΞɺ೥ͷาΈ

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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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%ηΩϡΞɺ೥ͷาΈ IUUQTOFXTNZOBWJKQUFDIQMVTBSUJDMF

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%ηΩϡΞϓϩτίϧೖ໳

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%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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%4͸*&5'ʹΑΔ3'$΍*40ʹ   ґڌ͢ΔܗͰઃܭ͞Ε͍ͯΔ 1SPUPDPMBOE$PSF'VODUJPOT4QFDJ fi DBUJPOdΑΓ %ηΩϡΞϓϩτίϧೖ໳

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💁🛍 💳🏢 🏪🛒 ΦϯϥΠϯܾࡁ Χʔυձࣾʹ   %4Λཁٻ ຊਓೝূ͸εΩοϓͯ͠   ܾࡁΛਐΊͯ0,ʂ ࠶ܝ ϑϦΫγϣϯϨεϑϩʔ %ηΩϡΞϓϩτίϧೖ໳

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💁📱 💳🏢 🏪🛒 ͓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

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ຊਓ͔Ͳ͏͔Λ֬ೝ͠Α͏ ࠶ܝ νϟϨϯδϑϩʔ %ηΩϡΞϓϩτίϧೖ໳ 💁🛍 💳🏢 🏪🛒 ΦϯϥΠϯܾࡁ Χʔυձࣾʹ   %4Λཁٻ

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💁📱 💳🏢 🏪🛒 ͓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

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💁📱 💳🏢 🏪🛒 ͓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

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💁📱 💳🏢 🏪🛒 ͓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

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💁📱 💳🏢 🏪🛒 ͓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

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%ηΩϡΞϓϩτίϧೖ໳ "3FRFYBNQMF👉 "3FTFYBNQMF👇

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%ηΩϡΞϓϩτίϧೖ໳ $3FRFYBNQMF👉 $3FTFYBNQMF👉

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%ηΩϡΞϓϩτίϧೖ໳ 33FRFYBNQMF👉 33FTFYBNQMF👉

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

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Χʔυձࣾͷ%ηΩϡΞӡ༻

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

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💁🛍 💳🏢 🏪🛒 ΦϯϥΠϯܾࡁ Χʔυձࣾʹ   %4Λཁٻ ʮ͜ͷऔҾͷϦεΫ͸ͲΕ͙Β͍͔ʁʯ Λࢉग़ͯ࣍͠ͷεςοϓΛܾఆ͢Δ ܾࡁՄ൱Λ໰͍߹ΘͤΔલʹ   ຊਓೝূΛཁٻ͠Α͏ ࠶ܝ ϦεΫϕʔεೝূ Χʔυձࣾͷ%ηΩϡΞӡ༻

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ͲͷΑ͏ͳ਺ࣈΛݟͯҙࢥܾఆ͍ͯ͠Δ͔

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ͲΕ͚ͩͷֹ͕ۚ%ηΩϡΞΛ௨ܾͯ͡ࡁ͞Εͨͷ͔ ෆਖ਼ར༻ൃੜ࣌ͷμϝʔδΛؑΈͯɺҰൠతʹ݅਺ΑΓ΋ֹۚͷ΄͏͕ॏཁͳࢦඪͱͳΔ   %ηΩϡΞະରԠͷ͓ళ Ճໍళ ͕·ͩ·ͩଟ͍ Χʔυձࣾͷ%ηΩϡΞӡ༻

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

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

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

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