クレジットカードの不正を防止する技術

by Yuta Horii

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ΫϨδοτΧʔυͷෆਖ਼Λ๷ࢭ͢Δٕज़ :VUB)PSJJʢ!ZVUBEBZPʣ :"1$'VLVPLB

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Πϯτϩ 💳ܾࡁిจͷٕज़࢓༷ 🛡ܾࡁσʔλΛ׆༻ͨ͠ෆਖ਼ݕ஌๷ޚγεςϜͷ঺հ 🧑💻ΠγϡΞ͕ߦͳ͍ͬͯΔ೔ʑͷӡ༻ ࠓ೔͓࿩͢͠Δ͜ͱ

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ࣗݾ঺հ $50 ງҪ༤ଠ 4NBSU#BOL *OD !ZVUBEBZP !ZVUBEBZP εϚʔτόϯΫͱ͍͏ձࣾΛ૑ۀ͠ ϫϯόϯΫͷ։ൃΛ΍͍ͬͯ·͢ ࣓ؾɾ*$Χʔυͷ੡଄ʹؔ͢Δ։ൃ΍ ϓϩδΣΫτʹ௕ؔ͘Θ͍ͬͯ·͢ :"1$)BLPEBUFʹଓ͖ ొஃͤͯ͞΋Β͓ͬͯΓ·͢ ˞ΫϨδοτΧʔυΛ੡଄͢Δٕज़ͱ͍͏λΠτϧͰൃද 🏢 💳 🎉

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ΫϨδοτΧʔυͷෆਖ਼Λ๷ࢭ͢Δٕज़ ΞδΣϯμ ܾࡁిจͷ࢓༷ ܾࡁσʔλΛ༻͍ͨෆਖ਼൑ఆϩδοΫʹ͍ͭͯ ϧʔϧϕʔεͷෆਖ਼ݕ஌ͷ࢓૊Έ ෆਖ਼߈ܸ΁ͷରࡦ

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ܾࡁిจͷ࢓༷

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ܾࡁిจͷ࢓༷ ΠγϡΞ ࠃࡍϒϥϯυ ΞΫϫΠΞϥ Ճໍళ Ϣʔβʔ ΞϥΠΞϯεܖ໿ Χʔυൃߦ ࢒ߴ؅ཧ ߪೖऔҾ Ճໍళܖ໿ ΞϥΠΞϯεܖ໿

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ܾࡁిจͷ࢓༷ ܾࡁσʔλͷྲྀΕ Χʔυձһ ళฮ ΞΫϫΠΞϥ ࠃࡍϒϥϯυ ΠγϡΞ ߪೖऔҾ ΦʔιϦʢԾച্ʣ ΦʔιϦʢԾച্ʣ ΦʔιϦʢԾച্ʣ ܾࡁిจ͸*40ͱ͍͏ن֨Λϕʔεʹͨ͠σʔλͱͯ͠΍ΓͱΓ͞ΕΔ

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ܾࡁిจͷ࢓༷ *40ͱ͸ʁ w Χʔυܾࡁϝοηʔδͷࠃࡍඪ४ϑΥʔϚοτ˞ w جຊߏ଄ͱͯ͠ҎԼͷ಺༰Ͱߏ੒͞Ε͍ͯΔ w ϝοηʔδλΠϓ w ϏοτϚοϓ w σʔλΤϨϝϯτ w ϒϥϯυʹΑͬͯ*40ͷܗࣜΛಠࣗʹΧελϚΠζ͞Ε͍ͯΔ w εϚʔτόϯΫͷ৔߹͸7JTB࢓༷ʹΧελϜ͞ΕܾͨࡁσʔλΛॲཧ͍ͯ͠Δ ˞IUUQTXXXJTPPSHPCQVJFTJTPTUEJTPFEWFO

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ܾࡁిจͷ࢓༷ *40ͷجຊߏ଄ .5 #JUNBQ %BUB %BUB %BUB %BUB %BUB %BUB %BUB w ϝοηʔδλΠϓ w ܻͷ஋ͰɺԿͷϝοηʔδͳͷ͔Λද͢ʢFUDʜʣ w ܻ໨͸όʔδϣϯɺܻ໨͸ϝοηʔδͷ໨తɺܻ໨͸ϝοηʔδͷछྨɺܻ໨͸ϝοηʔδͷൃ৴ ݩ w ྫ͑͹͸ՃໍళऔҾͷঝೝཁٻʢΦʔιϦʣΛࢦ͢ w ϏοτϚοϓ w σʔλΤϨϝϯτͷ͏ͪɺͲͷ#JUҐஔͷσʔλ͕ଘࡏ͢Δ͔Λࣔ͢#JUͷ஋ w ˠ#JUҐஔ ͷσʔλΤϨϝϯτ͕ଘࡏ͢Δ w σʔλΤϨϝϯτ w Χʔυ൪߸΍ܾࡁֹۚͳͲؚ͕·Ε͍ͯͯɺͲͷ#JUҐஔͷ஋͔Ͱσʔλͷछྨ͕ܾ·͍ͬͯΔ

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ܾࡁిจͷ࢓༷ #JUҐஔ ϑΟʔϧυ໊ ஋ ҙຯ 1"/ YYYY Χʔυ൪߸ 1SPDFTTJOH$PEF औҾछผࣝผ஋ʢߪೖऔҾʣ "NPVOU 5SBOTBDUJPO ܾࡁֹۚ 5SBOTNJTTJPO%BUF5JNF ΞΫϫΠΞϥ͕ૹ৴ͨ͠औҾ࣌ࠁ &YQJSBUJPO%BUF Χʔυ༗ޮظݶ .FSDIBOU$BUFHPSZ$PEFʢ.$$ʣ ۀछίʔυ 104&OUSZ.PEF ΧʔυͷಡΈऔΓํࣜʢ1*/༗Γ*$ܾࡁʣ "DRVJSJOH*OTUJUVUJPO*%$PEF ΞΫϫΠΞϥࣝผ஋ $BSE"DDFQUPS5FSNJOBM*% ܾࡁ୺຤*% $BSE"DDFQUPS*%$PEF Ճໍళ*% ΠγϡΞ͸ిจͷύʔεॲཧΛߦ͍ɺͦΕͧΕͷ஋ͷ಺༰΍૊Έ߹Θͤͱ อ༗͍ͯ͠Δձһ৘ใΛ࢖ܾͬͯࡁॲཧΛߦ͏ σʔλΤϨϝϯταϯϓϧ

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ܾࡁσʔλΛ༻͍ͨෆਖ਼൑ఆϩδοΫʹ͍ͭͯ

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ܾࡁσʔλΛ༻͍ͨෆਖ਼൑ఆϩδοΫʹ͍ͭͯ ෆਖ਼ͳऔҾͱ͸ʁ 🛡ෆਖ਼ͳܾࡁΧςΰϦ ւ֎ૹۚͳͲϚωʔϩϯμϦϯάʹ࢖ΘΕ΍͍ܾ͢ࡁ ϗςϧΨιϦϯελϯυͳͲΧʔυͷ༻్ʹ߹͍ͬͯͳ͍ܾࡁ 🇰🇵ෆਖ਼ͳܾࡁࠃ ๺ே઱΍ΠϥϯɺϛϟϯϚʔͳͲऔҾΛڐՄ͍ͯ͠ͳ͍ࠃ͔Βͷܾࡁ 🏪ෆਖ਼ͳՃໍళ σʔταΠτɺΦϯϥΠϯΧδϊͱ͍ͬͨෆਖ਼ඃ֐ͷଟ͍Ճໍళ͔Βͷܾࡁ 💳ෆਖ਼ͳΧʔυ Χʔυ৘ใ͕ྲྀग़ͨ͠Χʔυɺ༗ޮԽલͷΧʔυɺFUD 🧟ෆਖ਼ͳϢʔβʔʢޱ࠲ʣ ܾࡁ্ֹۚݶ౳ͷᮢ஋Λ௒͑ͨޱ࠲Ͱͷܾࡁɺѱҙ͋ΔϢʔβʔʹΑΔෆਖ਼ิঈਃ੥

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ܾࡁσʔλΛ༻͍ͨෆਖ਼൑ఆϩδοΫʹ͍ͭͯ ϫϯόϯΫͷܾࡁॲཧϑϩʔ ܾࡁՄೳͳܾࡁΧςΰϦͷ൑ఆ ෆਖ਼ͳՃໍళͷ൑ఆ ຊਓ֬ೝ͕ඞཁͳՃໍళ͔ͷ൑ఆ ࢦఆ͍ͯ͠Δܾࡁ/(ͳՃໍళͷ൑ఆ ΫϨδοτϚελʔ߈ܸ൑ఆ %4औҾͷ֬ೝ ༗ޮͳΧʔυͷ൑ఆ ʜͷ൑ఆ

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ܾࡁσʔλΛ༻͍ͨෆਖ਼൑ఆϩδοΫʹ͍ͭͯ ෆਖ਼ͳܾࡁΧςΰϦͷ൑ఆ w .FSDIBOU$BUFHPSZ$PEF ʢ.$$ʣΛར༻ͯ͠൑ఆ w ܾࡁ/(ͳ.$$Λ༧Ί%#ʹొ࿥͠ ͓͖ͯɺσʔλͱর߹ w ֘౰ͨ͠৔߹ʹܾࡁෆঝೝʹ͢Δ .$$ ۀछ .POFZ5SBOTGFS3FNJUUBODF %JSFDU.BSLFUJOHr*OCPVOE5FMFTFSWJDFT "5.ɾ$BTI%JTCVSTFNFOUT /PO'JOBODJBM*OTUJUVUJPOTr2VBTJ$BTI %BUJOHBOE&TDPSU4FSWJDFT #FUUJOH(BNCMJOH

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ܾࡁσʔλΛ༻͍ͨෆਖ਼൑ఆϩδοΫʹ͍ͭͯ ෆਖ਼ͳՃໍళͷ൑ఆ w .$$͚ͩͰෆਖ਼ͳܾࡁΛ๷͛Δ༁Ͱ͸ͳ͍ w .$$͸ΞΫϫΠΞϥ͕ઃఆ͢ΔͨΊΠγϡΞʹίϯτϩʔϧͰ͖ͳ͍ w ϫϯόϯΫͰ͸ෆਖ਼ͳՃໍళͷϒϩοΫϦετΛ࡞੒͠ɺܾࡁॲཧͷதͰ൑ఆϩδοΫ ͱͯ͠࢖༻͍ͯ͠Δ w ՃໍళͷҰҙͷϦετΛ࡞Δͷ͸ܾࡁిจͷಛੑ্೉͍͠ w Ճໍళ*%͕࣌ؒܦաͰมΘΔ w ೔ຊͰ͸ಉ͡ՃໍళͰ΋ΞΫϫΠΞϥ͕ෳ਺ଘࡏ͍ͯ͠ΔʢϚϧνΞΫϫΠΞϦϯάʣ w σύʔτͳͲͷू߹ࢪઃͷ৔߹ʹՃໍళͷ*%͕ॏෳ͢Δ͜ͱ΋

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ܾࡁσʔλΛ༻͍ͨෆਖ਼൑ఆϩδοΫʹ͍ͭͯ ෆਖ਼ͳՃໍళͷ൑ఆͷͨΊͷϒϩοΫϦετ ΞΫϫΠΞϥ*% Ճໍళ*% ୺຤*% ϒϩοΫཧ༝ ࠮ٗ ܾࡁ/(Ճໍళ ΦʔιϦແܾ͠ࡁ w ΞΫϫΠΞϥ*%Ճໍళ*%ܾࡁ୺຤*%ͷ૊Έ߹ΘͤͰొ࿥ w Ճໍళ໊͚ͩͰ൑ఆ͢Δͱר͖ࠐΈ͕ൃੜͯ͠͠·͏ w ΞΫϫΠΞϥ΍ܾࡁͨ͠୺຤৘ใ΋ηοτʹ͠ͳ͍ͱҰҙͳ Ճໍళͱ൑அͰ͖ͳ͍

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ϧʔϧϕʔεͷෆਖ਼ݕ஌ͷ࢓૊Έ

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ϧʔϧϕʔεͷෆਖ਼ݕ஌ͷ࢓૊Έ ෆਖ਼ͷ࣮੷͔Βෆਖ਼औҾͷ܏޲ΛϧʔϧԽɺ֘౰͢ΔऔҾΛݕ ஌͠ɺϒϩοΫϦετ΁ͷ൓ө΍औҾͷΩϟϯηϧɺෆਖ਼औҾ ͷฦۚରԠΛߦͳ͍ͬͯ·͢👮 ˞ϫϯόϯΫ͸ܾࡁҎ֎ʹೖۚ΍ग़ۚػೳ΋͋ΔͷͰɺͦΕΒ΋ϧʔϧԽͯ͠ෆਖ਼Λݕ஌͍ͯ͠·͢ɻ

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ϧʔϧϕʔεͷෆਖ਼ݕ஌ͷ࢓૊Έ ෆਖ਼ݕ஌ϧʔϧ˞ ݕ஌ϩδοΫ ݕ஌λΠϛϯά ෼Ҏ಺ʹ݅Ҏ্ɺւ֎௨՟Ͱܾࡁ͞ΕͨՃໍళ ΦϯϥΠϯ ෼Ҏ಺ʹճҎ্ɺ ԁҎ্ͷΫϨδοτΧʔυೖۚ ΦϯϥΠϯ िؒͰ݅Ҏ্ͷܾࡁࣦഊ ೔࣌ िؒͰւ֎ՃໍళͰͷ༗ޮੑ֬ೝ͕݅Ҏ্͋Γɺ ͦΕΒ͕݅Ҏ্ͷҟͳΔܾࡁΧςΰϦͰ࢖ΘΕ͍ͯΔΧʔυ ࣌ؒຖ ౰݄ͷܾࡁֹۚͷ߹ܭ͕ສԁҎ্ͷϢʔβʔ ඇಉظ+PC࣮ߦ ˞هࡌ͍ͯ͠Δϧʔϧ͸͋͘·Ͱ΋ྫͱͯ͠هࡌ͍ͯ͠·͢ɻ

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ϧʔϧϕʔεͷෆਖ਼ݕ஌ͷ࢓૊Έ ෆਖ਼ݕ஌γεςϜ ෆਖ਼ݕ஌σʔλͷه࿥ ෆਖ਼ݕ஌ ϧʔϧ 4MBDL΁ͷ௨஌ ΧʔυͷϩοΫ ݕ஌τϦΨʔ ݕ஌ ݕ஌݁ՌʹԠͨ͡ΞΫγϣϯ w ෆਖ਼ݕ஌γεςϜ͸ܾࡁPSόον͔Βݺͼग़͞Εɺొ࿥͞Ε͍ͯΔ ϧʔϧʹԠͯ͡औҾ಺༰΍ձһσʔλΛධՁ͢Δ w ݕ஌݁ՌʹԠͯ͡ઃఆ͞Ε͍ͯΔΞΫγϣϯΛ࣮ߦ͢Δ ܾࡁ όον

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ϧʔϧϕʔεͷෆਖ਼ݕ஌ͷ࢓૊Έ w ݕ஌γεςϜ w ܾࡁ࣌ʹଈ࣌ʹݕ஌࣮ߦ͢Δ΋ͷ΋͋Ε͹ɺܾࡁϨεϙϯεͷ੍໿্ɺ࣌ؒͷ͔͔Δ ݕ஌ϩδοΫ͸ඇಉظͰ࣮ߦ͢Δ w ଈ࣌Ͱͷݕ஌͕ඞཁͳ͍΋ͷ͸όον࣌ؒ΍೔࣌Ͱ࣮ߦ͢Δ w ݕ஌ΞΫγϣϯ w ݕ஌ޙͷΞΫγϣϯ͸൚༻తͳ࣮૷ʹͳ͓ͬͯΓɺϧʔϧຖʹͲͷΑ͏ͳΞΫγϣϯ ΛऔΔ͔Λ೚ҙʹઃఆͰ͖Δ w ΞΫγϣϯࣗମ΋ಉظඇಉظͰ࣮ߦ͞ΕΔΑ͏ʹઃఆͰ͖Δ w ݕ஌ͷ0/0''ɺݕ஌ແޮִؒͷઃఆ΍ɺಛఆͷϢʔβʔΛআ֎͢ΔػೳͳͲӡ༻ʹ ߹Θׂͤͯͱଟػೳͳ࣮૷ʹͳ͍ͬͯΔ

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ϧʔϧϕʔεͷෆਖ਼ݕ஌ͷ࢓૊Έ ෆਖ਼ݕ஌ϧʔϧͷӡ༻ w ؅ཧը໘͔Βݕ஌݅਺΍औҾৄࡉΛ֬ೝ͠ϧʔϧ ͷධՁΛ࣮ࢪ w ෆਖ਼֬ఆͨ͠ޙ͸औҾ΍ϢʔβʔʹλάΛ͚ͭ Δ͜ͱͰϧʔϧࣗମͷධՁΛߦ͏ w 3FEBTIͰूܭͷμογϡϘʔυΛ࡞Γఆظతͳ ϞχλϦϯά w ෆਖ਼ͷखޱ͸සൟʹมΘΔͷͰݕ஌݅਺ͷ܏޲ ͳͲΛ֬ೝ͠ɺϧʔϧࣗମΛߋ৽ఀࢭ w ۓٸੑ͕ߴ͍ϧʔϧͰͷݕ஌͸4MBDLʹ௨஌ w ઐ೚ͷΦϖϨʔλʔ͕औҾ֬ೝ

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ෆਖ਼߈ܸ΁ͷରࡦ

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ෆਖ਼߈ܸ΁ͷରࡦ Χʔυܾࡁʹ͸͍͔ͭ͘ͷ߈ܸͷύλʔϯ͕͋ΓɺͦΕͧΕͷ ߈ܸͷ಺༰ͱ๷ޚ͍ͯ͠Δରࡦʹ͍ͭͯղઆ͍͖ͯ͠·͢✋

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ෆਖ਼߈ܸ΁ͷରࡦ ΫϨδοτϚελʔ߈ܸ ͳΓ͢·͠߈ܸ

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ෆਖ਼߈ܸ΁ͷରࡦ ΫϨδοτϚελʔ߈ܸʢΫϨϚεʣ w ΧʔυͷنଇੑΛར༻͠ಉҰͷ#*/ʢΧʔυ൪߸ͷઌ಄਺ܻʣଳʹରͯ͠ ܾࡁऔҾΛߦ͍Χʔυ൪߸Λऔಘ͢Δ߈ܸ w ओʹϓϩάϥϜʹΑΔϥϯμϜͰେྔͳ߈ܸ͕ଟ͍ w #*/͸ΠγϡΞʹΑͬͯݻఆԽ͞Ε͍ͯΔͷͰɺ༗ޮظݶ΍ηΩϡϦςΟ ίʔυͳͲͷ૊Έ߹ΘͤͰԿ౓΋ΞλοΫ͢Δ͜ͱͰΧʔυ৘ใΛׂΓग़ ͢ͷ͕ಛ௃ w ༗ޮͱ൑அ͞ΕͨΧʔυͰ͞Βʹෆਖ਼ͳܾࡁʹ࢖ΘΕΔ

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ෆਖ਼߈ܸ΁ͷରࡦ ΠγϡΞ &$αΠτ ߈ܸऀ େྔͷΧʔυ ৘ใͰܾࡁ ΦʔιϦཁٻ ΦʔιϦ݁Ռͷฦ٫ ΫϨδοτϚελʔ߈ܸਤղ ༗ޮͳΧʔυ৘ใͷൢച΍ѱҙ͋ΔऔҾར༻ Χʔυͷ༗ޮੑ৘ใͷऔಘ ҋαΠτ

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ෆਖ਼߈ܸ΁ͷରࡦ ΫϨδοτϚελʔ߈ܸʹର͢Δ๷ޚࡦ ߈ܸத͸ಛఆͷՃໍళΞΫϫΠΞϥ͕ࢦఆ͞ΕΔ͜ͱ͕ଟ͍ ߈ܸͷಛੑ্ɺେྔʹࣦഊ΋ൃੜࣦ͠ഊཧ༝ͷଟ͕͘ଘࡏ͠ͳ͍ Χʔυ൪߸ɺ༗ޮظݶ΍ηΩϡϦςΟίʔυͷؒҧ͍ Ұఆͷظؒ಺ʹେྔʹऔҾ͕ߦΘΕΔ͜ͱ͕ଟ͍ ಛఆͷظؒɺಛఆͷՃໍళͰେྔʹऔҾ͕ൃੜ͠׌ͭ Χʔυ৘ใͷ૬ҧͰࣦഊ͍ͯ͠ΔऔҾΛݕ஌͢Δ

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ෆਖ਼߈ܸ΁ͷରࡦ w ϫϯόϯΫ͸ܾࡁʹࣦഊͨ͠ཧ༝ͷશͯΛ%#ʹه࿥͍ͯ͠Δ w ΫϨϚε࣌ʹى͖Δࣦഊཧ༝ͰෆঝೝʹͳͬͨऔҾΛه࿥ w ༗ޮظݶɺ1*/ɺηΩϡϦςΟίʔυͷؒҧ͍ͳͲ w ࣦഊܾࡁຖʹḪͬͯಛఆͷظؒͰूܭࣦ͠ഊ਺ͷᮢ஋Λ௒͍͑ͯΕ͹ ΫϨϚε൑ఆͱ͍ͯ͠Δ w ΫϨϚε൑ఆ͞ΕͨऔҾ͸߈ܸՃໍళͱͯ͠ϒϩοΫϦετʹొ࿥͞ ΕҎޙͷऔҾ͕ࣦഊ͢Δ w ࣦഊ਺͕ᮢ஋ҎԼʹͳͬͨ৔߹͸ɺϒϩοΫϦετ͔Βղআ͞ΕΔ ΫϨϚε߈ܸʹର͢ΔγεςϜతͳରԠ

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·ͱΊ ࠓ೔͓࿩ͨ͜͠͠ͱ 💳ΠγϡΞ͸*40ͷ7JTB֦ு͞Εܾͨࡁిจ࢓༷Λཧղ͠ ෆਖ਼ܾࡁͷ൑ఆϩδοΫʹ૊ΈࠐΜͰ͍Δ 🛡աڈͷෆਖ਼ඃ֐΍߈ܸ৘ใ͔ΒϧʔϧϕʔεͰͷෆਖ਼ݕ஌γεςϜ΍ ݸผͷରࡦ͢Δ๷ޚγεςϜΛߏங͠ෆਖ਼Λ཈੍͍ͯ͠Δ ♻ෆਖ਼͸ऴΘΓͳ͖ઓ͍ɺӡ༻ͷதͰ ϞχλϦϯάͱϩδοΫͷνϡʔχϯάΛߦ͍ͬͯΔ

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