モバイル決済アプリの作り方 / How to develop a mobile payment app

by kenmaz

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ϞόΠϧܾࡁΞϓϦͷ࡞Γํ How to develop a mobile payment app @kenmaz merpay #iosdc iOSDC Japan 2019 Sep. 9th, 2019

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ࠓ೔࿩͢͜ͱ wϞόΠϧܾࡁΞϓϦ֓ཁ wࣾձతഎܠɾ๏཯ͷ࿩ wΞϓϦͷߏ੒͢Δٕज़ཁૉ w"QQMF1BZͷ࢓૊Έ wίʔυܾࡁͷ࢓૊Έ wطଘΞϓϦ΁ͷܾࡁػೳͷ૊ΈࠐΈ

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ϞόΠϧܾࡁΞϓϦΛ औΓרࣾ͘ձతഎܠ

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ܦࡁ࢈ۀল ΩϟογϡϨεɾϏδϣϯ https://www.meti.go.jp/policy/mono_info_service/cashless/index.html ೥ ೥ ‐ ೥ ‐ ‐

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wຊਓ֬ೝʹؔ͢Δ๏վਖ਼ F,:$ wΩϟογϡϨεਪਐڠٞձ wίʔυܾࡁ౷Ұ࢓༷ʮ+123ʯͷࡦఆ w+123ීٴࣄۀ wΩϟογϡϨεɾফඅऀؐݩࣄۀ ˠϞόΠϧܾࡁࣄۀʹࢀೖ͠΍͍͢؀ڥʹ ΩϟογϡϨεීٴʹ޲͚ͨಈ͖ ޙड़ ޙड़ IUUQTDBTIMFTTHPKQ

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ϞόΠϧܾࡁΞϓϦͷߏ੒ཁૉ

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ϞόΠϧܾࡁΞϓϦͷߏ੒ཁૉ $BTI*O $BTI0VU 8BMMFU

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$BTI*O ೖۚखஈ wۜߦޱ࠲͔Βνϟʔδ wίϯϏχνϟʔδ wΫϨδοτΧʔυ wݸਓؒૹۚ wϑϦϚΞϓϦͷച্ۚ wʜ

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$BTI0VU ग़ۚखஈ w"QQMF1BZ wίʔυܾࡁ wωοτܾࡁ wݸਓؒૹۚ wۜߦޱ࠲ৼࠐ ޙड़ ޙड़

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8BMMFU $BTI*O $BTI0VU

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"QQMF1BZ ίʔυܾࡁ ωοτܾࡁ ݸਓؒૹۚ ۜߦޱ࠲ৼࠐ 8BMMFU $BTI*O $BTI0VU ۜߦޱ࠲νϟʔδ ίϯϏχ"5. νϟʔδ ΫϨδοτΧʔυ ݸਓؒૹۚ ϑϦϚΞϓϦച্ۚ ࢿܾۚࡁ๏

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ۜߦޱ࠲νϟʔδ ίϯϏχ"5. νϟʔδ ΫϨδοτΧʔυ ݸਓؒૹۚ ϑϦϚΞϓϦച্ۚ "QQMF1BZ ίʔυܾࡁ ωοτܾࡁ ݸਓؒૹۚ ۜߦޱ࠲ৼࠐ 8BMMFU $BTI*O $BTI0VU લ෷ࣜࢧ෷͍खஈൃߦۀ ϙΠϯτ IUUQTXXXTLFTTBJKQJOGPMBXIUNM

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"QQMF1BZ ίʔυܾࡁ ωοτܾࡁ ݸਓؒૹۚ ۜߦޱ࠲ৼࠐ 8BMMFU $BTI*O $BTI0VU ۜߦޱ࠲νϟʔδ ίϯϏχ"5. νϟʔδ ΫϨδοτΧʔυ ݸਓؒૹۚ ϑϦϚΞϓϦച্ۚ ऩೲ୅ߦۀ ˞ٞ࿦͋Γ ˞஫ IUUQTTUPSJBMBXKQCMPH

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"QQMF1BZ ίʔυܾࡁ ωοτܾࡁ ݸਓؒૹۚ ۜߦޱ࠲ৼࠐ 8BMMFU $BTI*O $BTI0VU ۜߦޱ࠲νϟʔδ ίϯϏχ"5. νϟʔδ ΫϨδοτΧʔυ ݸਓؒૹۚ ϑϦϚΞϓϦച্ۚ ࢿۚҠಈۀ IUUQTXXXTLFTTBJKQJOGPMBXIUNM

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ࢿۚҠಈۀ d w ۜߦ౳Ҏ֎ͷऀ͕ҝସऔҾΛۀͱͯ͠ӦΉ΋ͷ w ಺ֳ૯ཧେਉͷొ࿥͕ඞཁ w ̍ճ͋ͨΓͷૹֹۚສԁҎԼ w ߴ౓ͳ૊৫੔උ w ࡒ੓ج൫੔උ w ൜ࡑऩӹҠస๷ࢭ๏ͷن੍Λड͚Δ ࢿܾۚࡁ๏ୈࡾेࣣ৚ IUUQTFMBXTFHPWHPKQTFBSDIFMBXT4FBSDIFMBXT@TFBSDIMTHEFUBJM MBX*E"$

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൜ࡑऩӹҠస๷ࢭ๏ w ൜ࡑऩӹͷҠసʢʹϚωʔϩϯμϦϯάʣͳ ͲΛ๷ࢭ͢ΔͨΊͷ๏཯ w औҾ࣌֬ೝٛ຿ w औҾ࣌ʹຊਓ֬ೝ ,:$ ͕ඞཁ w Ͳ͏΍ͬͯʁ ൜ࡑʹΑΔऩӹͷҠస๷ࢭʹؔ͢Δ๏཯ୈ࢛৚ IUUQTFMBXTFHPWHPKQTFBSDIFMBXT4FBSDIFMBXT@TFBSDIMTHEFUBJM MBX*E"$ ,:$,OPX:PVS$VTUPNFS

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༣ศʹΑΔ,:$ w ূ໌ॻͷࣸਅΛΞϓϦ͔ΒΞοϓϩʔυ w ৹ࠪͷޙɺຊਓडऔݶఆॻཹ͕༣ૹ w ̍ʙ̎ि͔͔ؒΔ ܾࡁࣄۀऀ Ξοϓϩʔυ ຊਓडऔݶఆॻཹ ৹ࠪ

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ۜߦޱ࠲઀ଓʹΑΔ,:$ w ۜߦޱ࠲͕ۜߦʹΑΔ,:$ࡁΈͰ͋Δ͜ͱΛ ࠜڌʹɺΞϓϦͷޱ࠲΋,:$ࡁΈͱΈͳ͢ ,:$ࡁΈ 㲈,:$ࡁΈ

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F,:$ ͷ๏վਖ਼ʹΑΓɺΦϯϥΠϯͰ׬݁͢Δ ຊਓ֬ೝ F,:$ ͕Մೳʹͳͬͨ IUUQTXXXZPVUVCFDPNXBUDI WLI0Z-WEPT)6

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"QQMF1BZ ίʔυܾࡁ ωοτܾࡁ ݸਓؒૹۚ ۜߦޱ࠲ৼࠐ 8BMMFU $BTI*O $BTI0VU ۜߦޱ࠲νϟʔδ ίϯϏχ"5.νϟʔδ ΫϨδοτΧʔυ ݸਓؒૹۚ ϑϦϚΞϓϦച্ۚ ຊਓ֬ೝ ,:$ ϞόΠϧܾࡁΞϓϦͷߏ੒ཁૉ

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"QQMF1BZ

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ͦ΋ͦ΋"QQMF1BZͱ͸ ˠ͘͢͝ศརͰηΩϡΞͳ ΫϨδοτΧʔυϕʔεͷܾࡁํ๏

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J04 %FWJDF "QQMF τʔΫϯ ϓϩόΠμʔ wΧʔυ໊ٛ wΧʔυ൪߸ '1"/ wηΩϡϦςΟίʔυ %1"/ 4FDVSF &MFNFOU IUUQTTVQQPSUBQQMFDPNKBKQ)5 "QQMF1BZͷΧʔυొ࿥ϑϩʔ '1"/ˠ%1"/ ੜͷΧʔυ൪߸ͱ͸ผͷΧʔυ ൪߸ʢ%1"/τʔΫϯʣʹม׵

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J04 %FWJDF ͓ళ τʔΫϯ ϓϩόΠμʔ "VUI ✅ %1"/ 4FDVSF &MFNFOU Χʔυ ձࣾ "QQMF1BZͷܾࡁϑϩʔ %1"/ˠ'1"/ '1"/ J04σόΠεʙτʔΫϯϓϩόΠμʔؒͰ ੜͷΧʔυ൪߸ '1"/ Λྲྀͣ͞ʹܾࡁՄೳ

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$BTI0VUखஈͱͯ͠ͷ "QQMF1BZ ܾࡁΞϓϦͷ࢒ߴͱ"QQMF1BZΛ௚݁

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"QQMF1BZ*O"QQ1SPWJTJPOJOH

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Χʔυ ձࣾ "QQMF όʔνϟϧϓϦϖΠυΧʔυͷ  ൃߦཁٻ Χʔυൃߦ '1"/ %1"/ Χʔυొ࿥ ཁٻ Χʔυొ࿥ "QQMF1BZ*O"QQ1SPWJTJPOJOH

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1BTT,JU w Χʔυొ࿥ॲཧ w 1,"EE1BZNFOU1BTT7JFX$POUSPMMFS w 1,"EE1BZNFOU1BTT3FRVFTU w ొ࿥ঢ়ଶɾ୺຤ରԠঢ়گͷνΣοΫ w 1,1BTT-JCSBSZ1,1BZNFOU1BTT ˞DPNBQQMFEFWFMPQFSQBZNFOUQBTTQSPWJTJPOJOH&OUJUMFNFOU͕ඞཁ IUUQTEFWFMPQFSBQQMFDPNEPDVNFOUBUJPOQBTTLJU IUUQTEFWFMPQFSBQQMFDPNMJCSBSZBSDIJWFEPDVNFOUBUJPO.JTDFMMBOFPVT3FGFSFODF&OUJUMFNFOU,FZ3FGFSFODF "QQMF1BZBOE1BTT,JU&OUJUMFNFOUT"QQMF1BZBOE1BTT,JU&OUJUMFNFOUTIUNMBQQMF@SFGEPDVJE51$)48

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༨ஊ"QQMF1BZ$BTI IUUQTTVQQPSUBQQMFDPNKBKQHVJEFJQIPOFJQIDGJPT

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ίʔυܾࡁ

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ίʔυܾࡁͷछྨ .FSDIBOU1SFTFOUFE.PEF  ళฮఏࣔܕ $1. .1. $POTVNFS1SFTFOUFE.PEF  ར༻ऀఏࣔܕ ੩తಈత

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ίʔυܾࡁͷ࢓૊Έ ֤ࣾಠࣗ࢓༷ ඇެ։

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+123 IUUQTOFXTNZOBWJKQBSUJDMF

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+123 w ΩϟογϡϨεਪਐڠٞձ w ֤ࣄۀऀͱڞʹίʔυܾࡁʹؔ͢Δٕज़ͳ౷Ұ࢓༷ Λཱ֬͠ɺΨΠυϥΠϯΛࡦఆ w 23ίʔυͷσʔλϑΥʔϚοτ w γεςϜͷશମઃܭ w ηΩϡϦςΟཁ݅ͳͲ w ͻͱͭͷ23ίʔυͰෳ਺ͷܾࡁαʔϏε͕ར༻Մೳ IUUQTXXXQBZNFOUTKBQBOPSKQKQRS 23ίʔυ͸ ג σϯιʔ΢Σʔϒͷొ࿥঎ඪͰ͢

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$1. ར༻ऀఏࣔܕ IUUQTXXXNFSQBZDPNNFSDIBOU

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$1.ܾࡁͷશମϑϩʔ +123ίʔυܾࡁʹؔ͢Δ౷Ұٕज़࢓༷ΨΠυϥΠϯʲར༻ऀఏࣔܕʳ IUUQTXXXQBZNFOUTKBQBOPSKQXPSEQSFTTXQDPOUFOUVQMPBET$1.@(VJEFMJOF@QEG ίʔυܾࡁࣄۀऀ ᶆܾࡁཁٻ ᶃϫϯλΠϜτʔΫϯΛൃߦ ᶄ23ίʔυόʔίʔυ ͱͯ͠දࣔ ᶅ104Ϩδ୺຤PS Ճໍళ༻ΞϓϦ ͰಡΈࠐΈ

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ίʔυ࢓༷ ˡ౷Ұόʔίʔυ࢓༷ ˡ౷Ұ23ίʔυ࢓༷

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౷Ұόʔίʔυ࢓༷ w ࣄۀऀࣝผίʔυ ܻ τʔΫϯ෦ /ܻ w ࠷େԣ෯DNͰදࣔ͢Δ͜ͱ DN

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౷Ұ23ίʔυ࢓༷ w &.7࢓༷ $1. ˞ ͱڞଘՄೳͳ࢓༷ w ಛఆλάΛݟΔͱ+123ϑΥʔϚοτ͔ &.7 $1. ϑΥʔϚοτ͔൑ผͰ͖Δ w ւ֎ͷίʔυܾࡁࣄۀऀͷίʔυͱͷࣝผ͕Մೳ ˞&.7 $1. &.7$P -$$ ˞ ͕ࡦఆͨ͠άϩʔόϧͳ23ίʔυܾࡁ࢓༷  ˞&.7$P-$$&.7 ˞ ࢓༷ͳͲΛࡦఆ͢Δٕज़ஂମ  ˞&.7*$ܕΫϨδοτΧʔυͷ౷Ұن֨ IUUQTXXXFNWDPDPNFNWUFDIOPMPHJFTRSDPEFT

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l+12399'//////ʜz σίʔυ 5BH આ໌ ௕͞ ஋ ϖΠϝϯτϑΥʔϚοτࣝผࢠ l+123z ΞϓϦέʔγϣϯςϯϓϨʔτ Մม௕ ʜ ' "%'/BNF ϒϥϯυࣝผࢠ Մม௕ lz 5SBDL *%౳ Մม௕ ܾࡁ*% 5-7 λά ௕͞ ஋ ܗࣜ +123 ϑΥʔϚοτ lࣄۀऀࣝผίʔυ ܻ zlτʔΫϯ෦ /ܻ z  ˠ౷Ұόʔίʔυͱڞ௨

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23छผ൑ผ +123 &.7 ࣄۀऀࣝผίʔυ൑ผ ˓˓1BZ ☓☓1BZ ˚˚1BZ ւ֎1BZ τʔΫϯ൑ผ Ϣʔβಛఆܾࡁॲཧ։࢝ ˑˑ1BZ &.7ࣄۀऀ൑ผ +123&.7ରԠ  104୺຤

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23ίʔυόʔίʔυͷදࣔ import CoreImage import Foundation let payload = “8505JPQR164XX4F08123456785712345678NNNNN." // QRίʔυ let filter = CIFilter(name: "CIQRCodeGenerator")! let data = string.data(using: .utf8) filter.setValue(data, forKey: "inputMessage") filter.setValue("H", forKey: "inputCorrectionLevel") let image = UIImage(ciImage: filter.outputImage!) // όʔίʔυ let filter = CIFilter(name: “CICode128BarcodeGenerator")! จࣈྻɾɾɾ

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J04d IUUQTEFWFMPQFSBQQMFDPNEPDVNFOUBUJPODPSFJNBHFDJpMUFSCBSDPEFHFOFSBUPSpMUFS DIBOHFTMBUFTU@NJOPSMBOHVBHFPCKD IUUQTEFWFMPQFSBQQMFDPNEPDVNFOUBUJPODPSFJNBHFDJpMUFSRSDPEFHFOFSBUPS DIBOHFTMBUFTU@NJOPSMBOHVBHFPCKD

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$1.ʹ͓͚Δͦͷଞͷཹҙ఺ w 23ίʔυΛදࣔ͢Δͱ͖͸εΫ Ϧʔϯͷً౓Λ࠷େݶʹ্͛Δ w όʔίʔυͱ23ίʔυ͸ಉҰը໘ ʹදࣔ w εΫϦʔϯγϣοτࡱӨ࣌ʹ͸ܯࠂ දࣔ

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੩త.1. ళฮఏࣔܕ IUUQTKQNFSQBZDPNOFXTRS IUUQTKQNFSQBZDPNOFXTNFSQBZ@PTBLB

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.1.ܾࡁͷશମϑϩʔ ίʔυܾࡁࣄۀऀ ᶃ੩త23ίʔυΛࡱӨ ᶅܾࡁϦΫΤετ ͷૹ৴ ᶄऔҾֹۚΛೖྗ ᶆ݁Ռදࣔ IUUQTXXXQBZNFOUTKBQBOPSKQXPSEQSFTTXQDPOUFOUVQMPBET.1.@(VJEFMJOF@QEG ίʔυܾࡁʹؔ͢Δ౷Ұٕज़࢓༷ΨΠυϥΠϯʲళฮఏࣔܕʳ ʢᶈళһʹΑΔ֬ೝʣ ᶇళһʹΑΔ  ֬ೝ

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౷Ұ੩త23ίʔυ࢓༷ w $1.ͱಉ͘͡&.7࢓༷ .1. ϕʔε w ళฮଆͷ৘ใ͕֨ೲ͞Ε͍ͯΔͷͰ$1.ΑΓ΋৘ ใྔ͸ଟ͍ w ๏ਓɺళ໊ɺࢧళ໊ɺԿ൪ςʔϒϧʜ w औҾֹۚɺ௨՟छผʜ

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lKQPSQBZNFOUTKBQBOBBBBBBBB BBBBBCCCCDDDDDDEEEEEE ʜz *% આ໌ ௕͞ ஋ lz ࢓༷WFSTJPO lz lz ੩తಈతϑϥά lz ੩త lz ܖ໿ళ৘ใ ܖ໿ళ৘ใ lz औҾ௨՟ lz ԁ lz औҾֹۚ ೚ҙ ʜ ʜ ʜ ʜ *% આ໌ ௕͞ ஋ lz (MPCBM6OJRVF*EFOUJpFS lKQPSQBZNFOUTKBQBOz lz ౷Ұళฮࣝผίʔυ؅ཧϨϕϧ1 lBBBBBBBBBBBBBz lz ౷Ұళฮࣝผίʔυ؅ཧϨϕϧ2 lCCCCz lz ౷Ұళฮࣝผίʔυ؅ཧϨϕϧ3 lDDDDDDz lz ౷Ұళฮࣝผίʔυ؅ཧϨϕϧ4 lEEEEEEz ܖ໿ళ৘ใ ୺຤εςοΧʔྫ l൪ςʔϒϧz ܖ໿ళྫ z৽ڮ̍߸ళz ϒϥϯυྫ z˓˓԰z ๏ਓྫ l˓˓גࣜձࣾz σίʔυ

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23ίʔυͷεΩϟϯ import AVFoundation let session = AVCaptureSession() let input = try! AVCaptureDeviceInput(device: videoDevice) var output = AVCaptureMetadataOutput() output.setMetadataObjectsDelegate(self, queue: …) session.addInput(input) session.addOutput(self.output) output.metadataObjectTypes = [.qr] session.startRunning() extension …: AVCaptureMetadataOutputObjectsDelegate { public func metadataOutput(.., meta: [AVMetadataObject],..) { … = meta.compactMap { in if let code = $0 as? AVMetadataMachineReadableCodeObject, code.type == .qr, let val = code.stringValue { return val

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.1.ʹ͓͚Δͦͷଞͷཹҙ఺ w ܾࡁ׬ྃը໘ w εΫγϣ౳ɺը໘ͷِ଄͕༰қ w ΞχϝʔγϣϯɺԻɺλΠϜελ ϯϓͷදࣔͳͲΛߦِ͍଄Λ๷͙ w ར༻ऀɾళһ༻ΞϓϦ΁ͷऔҾ׬ ྃ௨஌

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+123ίʔυ࢓༷·ͱΊ $1. .1. Կ1BZ Ϣʔβ͸୭ʁ Ͳͷςʔϒϧ ֹۚ Ͳ͜ͷళʁ

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w 23ίʔυ಺෦ͷ৘ใΛ֬ೝͰ͖Δπʔϧ w ରԠϑΥʔϚοτ w &.7$1..1. w +123$1..1. +1233FBEFS IUUQTHJUIVCDPNLFONB[+1233FBEFS 044

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طଘΞϓϦ

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طଘΞϓϦ΁ͷ ܾࡁػೳͷ૊ΈࠐΈ ʙϝϧΧϦϝϧϖΠͷ৔߹ʙ

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ػೳ͝ͱʹGSBNFXPSLΛ෼ׂ

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ෳ਺νʔϜʹΑΔಉ࣌։ൃ 4BOECPY 4BOECPYΛ༻͍ͨ։ൃޮ཰Խ

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%FQFOEFODZ*OKFDUJPO

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"QQMF1BZ ϓϩϏδϣχϯά ίʔυܾࡁ  $1. ίʔυܾࡁ  .1. ઃఆ։࢝ ઃఆ׬ྃ ܾࡁ׬ྃ ܾࡁ׬ྃ J1IPOF࣮ػ 'FMJ$B ίʔυϦʔμʔ࣮ػ J1IPOF࣮ػ Χϝϥ

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֤छಈ࡞֬ೝʹ࣮ػ͕ඞཁ w ຖճ࣮ػసૹͯ͠։ൃ͠ͳ͍ͱ͍͚ͳ͍ w ೔ʑͷ։ൃ͸J044JNVMBUPS্Ͱ׬͍݁ͨ͠ ˠ%* %FQFOEFODZ*OKFDUJPO Λ࢖͏

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