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監視を通じたサービスの逐次的進化 ~B/43の決済サービスでの取り組み~ / Kaigi on Rails 2021

監視を通じたサービスの逐次的進化 ~B/43の決済サービスでの取り組み~ / Kaigi on Rails 2021

Kaigi on Rails 2021/10/22

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ShoheiMitani

October 22, 2021
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  1. Smart, Secure, Mobile Super powered Banking and Living. ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽ d#ͷܾࡁαʔϏεͰͷऔΓ૊Έd

     ,BJHJPO3BJMT
  2. Smart, Secure, Mobile Super powered Banking and Living. ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽ 

    4NBSU#BOL *OD 4FSWFS4JEF&OHJOFFS ࡾ୩ণฏ !TIPIFJ ࣗݾ঺հ !4IPIFJ.JUBOJ
  3. Smart, Secure, Mobile Super powered Banking and Living. ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽ 

    ͸͡Ίʹ ػೳͷར༻ස౓ɺϏδωε΁ͷΠϯύΫτ ॲཧͷ੒ޭ཰ɺࣦഊ཰ͷ؂ࢹ վળ఺ͷൃݟํ๏ɺ࢓༷มߋɺϦϑΝΫλϦϯά ϦϦʔεޙͷվળΛ௨ͯ͠ΑΓ҆ఆͯ͠ɺ࢖͍΍͍͢΋ͷΛ໨ࢦ͍ͨ͠ 2 ͲͷΑ͏ʹϦϦʔεޙͷ؂ࢹ΍αʔϏεվળΛߦͳ͍ͬͯ·͔͢ʁ
  4. Smart, Secure, Mobile Super powered Banking and Living. ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽ ஞ࣍తͳαʔϏεɾػೳͷਐԽํ๏

    ো֐ɺτϥϒϧɺෆ੔߹ͳͲ ๬·ͳ͍ঢ়ଶΛઃܭ͢Δ ؂ࢹͱݕ஌ʹΑΔ ೔ʑͷτϥοΩϯάͱվળ ຊ൪Քಇͤ͞ΔதͰ ػೳΛચ࿅͍ͤͯ͘͞ ϦϦʔεલ͔Β؂ࢹΛߟ͑Δ
  5. None
  6. Smart, Secure, Mobile Super powered Banking and Living. ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽ 

    αʔϏε঺հ ࢿۚҠಈۀϥΠηϯε 1$*%44४ڌ ֗தͷ͓ళ&$αΠτ ϓϦϖΠυΧʔυ ۜߦৼࠐ"5. ͋ͱ͹Β͍νϟʔδ ίϯϏχࢧ෷͍ ೖۚ ܾࡁ ग़ۚ w ϓϦϖΠυΧʔυͳͷͰ w ࣄલೖۚඞਢ w ଈ࣌Ҿ͖མͱ͠ w ࢿۚҠಈۀϥΠηϯεͰఏڙ͍ͯ͠ΔͨΊ w ສԁ·Ͱอ࣋Մೳ w ग़ۚՄೳ
  7. Smart, Secure, Mobile Super powered Banking and Living. ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽ 

    ৗʹߟ͑Δ͜ͱ ೗Կʹਝ଎ʹਖ਼֬ʹ҆શʹ͓ۚΛѻ͏͔ʁ
  8. Smart, Secure, Mobile Super powered Banking and Living. ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽ 

    ։ൃ࣌ͷνϟϨϯδ w શΤϯδχΞ͕7JTBͷܾࡁωοτϫʔΫΛ࢖ͬͨ։ൃܦݧͳ͠ w ܖ໿λΠϛϯάͷ໰୊͔Β7JTBͷ࢓༷υΩϡϝϯτ͕ೖखෆՄೳ w ڠྗձࣾʹ2"Ͱ૬ஊ͠ͳ͕Β༧૝ࠐΈͰγεςϜΛߏங ෆ࣮֬ੑͷߴ͍γεςϜΛ೗Կʹݎ࿚ʹ࡞Γ্͛Δ͔ʁ ɹɹঃʑʹਫ਼౓Λ্͛Δ ɹɹॳΊ͔Βೖ೦ʹ࡞ΓࠐΉ ՝୊ ରࡦ
  9. Smart, Secure, Mobile Super powered Banking and Living. ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽ 

    Χʔυܾࡁͷ࢓૊Έ Ճໍళ ΞΫϫΠΞϥ 7*4" ΠγϡΞʔ ΦʔιϦθʔγϣϯԾച্ ࢁຊਖ਼ߦʮΧʔυܾࡁۀ຿ͷ͢΂ͯʯ1ΑΓҾ༻͠Ұ෦Ճච ΫϦΞϦϯά࣮ച্ औҾͷঝೝཁ੥ʢτϥϯβΫγϣϯ*%ʣ ঝೝ݁Ռ ঝೝ൪߸ ച্ਫ਼ࢉ ച্ਫ਼ࢉʢঝೝ൪߸τϥϯβΫγϣϯ*%ʣ Ϧ Ξ ϧ λ Π Ϝ ਺ ೔ ޙ ʹ ϑ Π ϧ ࿈ ܞ ΦʔιϦ ΫϦΞϦϯά ਖ਼ ֬ ͳ Ϛ ν ϯ ά ॲ ཧ ͕ ඞ ཁ
  10. Smart, Secure, Mobile Super powered Banking and Living. ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽ 

    ΦʔιϦͱΫϦΞϦϯάͷϚονϯάʹ͓͚Δٕज़త՝୊ Ϛονϯάͷ૊Έ߹Θ͕ͤେྔʹ͋Δ ঝೝ൪߸͕ۭɺɺ/ͳͲΠϨΪϡϥʔ࣌ͷϑΥʔϚοτ͕ͦΕͧΕ τϥϯβΫγϣϯ*%͕ΦʔιϦͱΫϦΞϦϯάͰผʹ࠾൪ ࡉ͔͍΋ͷΛ߹ΘͤΔͱ਺ेύλʔϯͷ૊Έ߹ΘͤΛਖ਼͘͠Ϛονϯάͤ͞Δඞཁ͕͋Δ ෼ׂࢧ෷͍ɺ෼ׂ഑ૹͳͲܾࡁ͚ͩͰ΋৭ʑͳύλʔϯ͕͋Δ ༗ޮੑ֬ೝΦʔιϦͷֹۚ͸Ճໍళଆ͕೚ҙʹܾΊ͍ͯΔʢԁɺԁɺԁɺԁɺԁʜʣ ΫϦΞϦϯάૹ৴·Ͱͷظؒ͸Ճໍళଆͷۀ຿ϑϩʔʹґଘʢ೔d೔ʣ ฦ඼࣌ͷσʔλૹ৴ͷॱংͱछྨ͸Ճໍళͷۀ຿ϑϩʔͱϢʔβʔͷฦ඼λΠϛϯάʹΑͬͯมΘΔ ฦ඼࣌ʹΦʔιϦΛૹΔPSૹΒͳ͍ ΦʔιϦ͋ΓͷΫϦΞϦϯάͱͳ͍ΫϦΞϦϯά ϦΧʔϦϯά ɺߴ଎ಓ࿏ͳͲ ԁܾࡁɺ֎՟ܾࡁ ʜ ΦʔιϦΫϦΞϦϯάͷଟ༷ͳϚονϯάɾύλʔϯ΁ͷରԠ ՝୊
  11. Smart, Secure, Mobile Super powered Banking and Living. ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽ ೗Կʹਖ਼֬ͳϚονϯάॲཧΛ࣮૷͢Δ͔ʁ

    ٕज़ͱܦݧͱ஌ࣝͷෆ଍ ՝୊ ଟ༷ͳσʔλύλʔϯ΁ͷཧղ ՝୊
  12. Smart, Secure, Mobile Super powered Banking and Living. ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽ 

    ෆ࣮֬ੑͷߴ͍γεςϜΛ࡞Δߟ͑ํ ૝ఆ௨Γͷਖ਼ৗॲཧ ૝ఆ௨Γͷҟৗॲཧ ૝ఆ֎ͷॲཧ ૝ఆ௨Γͷਖ਼ৗॲཧ ૝ఆ௨Γͷҟৗॲཧ ૝ఆ֎ͷॲཧ ૝ఆ௨Γͷਖ਼ৗॲཧ ૝ఆ௨Γͷҟৗॲཧ ʜ ຊ൪Քಇͤ͞Δͳ͔ͰػೳΛચ࿅͍ͤͯͨ͘͞Ίʹඞཁͳ͜ͱΛߟ͑Δ ૝ఆ֎ͷఆٛͱूதతͳ؂ࢹ ൃੜ֬཰ΛԼ͛Δ ચ͍ग़ͯ͠૝ఆ಺ʹ͢Δ ϦεΫ௿ݮ ύϒϦοΫϦϦʔε όϥϯεΛॏࢹ ύϒϦοΫCFUB ঃʑʹΧόʔൣғΛ޿͛Δ ॳظ։ൃ࣌఺ ෼͔Βͳ͍ൣғ͸ఘΊΔ
  13. Smart, Secure, Mobile Super powered Banking and Living. ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽ ෆ࣮֬ੑ

    ͷ݁Ռ ͕͜͜ෆ࣮֬  ࠷ऴతͳ݁ՌΛઃܭ Ճໍళ ΠγϡΞʔ ΦʔιϦθʔγϣϯ ΫϦΞϦϯά ച্ਫ਼ࢉ औҾ ΦʔιϦθʔγϣϯ w ܾࡁछผ w ళฮ໊ w .$$ w ֹۚʢԁݱ஍௨աʣ w ܾࡁ࣌ࠁ w ঝೝ൪߸ w τϥϯβΫγϣϯ*% ΫϦΞϦϯά w ܾࡁछผ w ళฮ໊ w .$$ w ֹۚʢԁݱ஍௨աʣ w ܾࡁ೔࣌ w ঝೝ൪߸ w τϥϯβΫγϣϯ*% %# w ׬શҰக w ྨࣅ͋Γ w ֘౰ͳ͠ ΦʔιϦ͋ΓΫϦΞϦϯά ΦʔιϦͳ͠ΫϦΞϦϯά ֹۚ·ͰҰக ֹۚෆҰக ׬શಠཱ ݩܾࡁ͋Γ ʢฦ඼࣌ʣ Ϛονϯάॲཧ ݁Ռ ܾࡁॲཧ
  14. Smart, Secure, Mobile Super powered Banking and Living. ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽ 

    ࣮ࡍͷॲཧͷྲྀΕͱ؂ࢹՕॴɺվળͷྲྀΕΛઃܭ͢Δ ΦʔιϦ͋ΓΫϦΞϦϯά ΦʔιϦͳ͠ΫϦΞϦϯά ֹۚ·ͰҰக ֹۚෆҰக ׬શಠཱ ݩܾࡁ͋Γ ʢฦ඼࣌ʣ Ҿ͖౰ͯॲཧͯ͠ऴྃ ֹࠩΛ௥௃ฦۚͯ͠ऴྃ ࢑ఆͰҾ͖མͱ͠ॲཧ Ҿ͖౰ͯͯ͠ऴྃ ݩऔҾͳ͠Ͱ֬ೝऴྃ ʢߴ଎ಓ࿏ϦΧʔϦϯά౳ʣ ݩऔҾΛखಈରԠ ʢϚονϯάϩδοΫͷόάʣ ؂ࢹ Ϛονϯά ॲཧ ύλʔϯΛ೺Ѳͯ͠ϚονϯάϩδοΫͷվળ ࣗಈݕ஌ ໨ࢹ֬ೝ
  15. Smart, Secure, Mobile Super powered Banking and Living. ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽ 

    ؂ࢹͰ΍͍ͬͯͨ͜ͱͷྫ ओ໨తͷΦʔιϦͱΫϦΞϦϯάͷϚονϯάͷ݁ՌΛৄࡉʹอଘ w ΫϦΞϦϯάຖʹϚονϯά݁ՌΛอଘ͠ɺൃੜΛݕ஌ w ΧϥϜʹঢ়ଶΛ௥Ճ͢Δఔ౓ͷ؆୯ͳ΋ͷ w ਖ਼ৗέʔε΋͋Γɺ೔ʑൃੜ͢ΔͨΊ4MBDL౳΁ͷ࿈ܞ͸ͳ͘3FEBTIʢ#*πʔϧʣͷΈ w ྘৭ͷσʔλ͕ൃੜͨ͠Β֬ೝdରԠΛߦ͏ w Ϛονϯά಺༰ͷௐࠪͷ؆ུԽͷͨΊɺ؅ཧը໘౳ͰৄࡉΛ௥͑ΔΑ͏ʹ४උ
  16. Smart, Secure, Mobile Super powered Banking and Living. ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽ 

    ؂ࢹͰ΍͍ͬͯͨ͜ͱͷྫ ଟ֯తʹ૝ఆ֎ͷঢ়ଶΛݕ஌Ͱ͖ΔΑ͏ͳ४උ w ಄ͷ಺ʹͳ͍ڍಈ͸؂ࢹࣗମΛ࡞ΓࠐΈʹ͍͘ w ৭ʑͳࢹ఺Ͱͷ؂ࢹΛೖΕΔ͜ͱʹΑΓɺൈ͚࿙ΕΛ๷ࢭ w ॲཧͷ࠷ऴܗͷঢ়ଶΛද͢άϥϑΛ࡞Γ೔ʑ࠷ऴঢ়ଶʹͨͲΓண͍͍ͯΔ͔ʁΛ؂ࢹ ͜ͷൣғ಺ͷ੺͸0, ͜ͷൣғ಺ͷ੺͸0,
  17. Smart, Secure, Mobile Super powered Banking and Living. ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽ 

    ࣮૷໘Ͱͷ޻෉ ϑΝΠϧಡΈࠐΈ Ϋϥε ΫϦΞϦϯάαʔϏεΫϥε ֹۚܭࢉΫϥε ޱ࠲Ҿ͖མͱ͠ Ϋϥε 1VTI௨஌Ϋϥε ݁ՌอଘΫϥε ΦʔιϦݕࡧΫϥε ݕࡧ৚݅"Ϋϥε ύʔαʔΫϥε ϑΝΠϧஞ࣍ॲཧ ݕࡧ৚݅#Ϋϥε ݕࡧ৚݅$Ϋϥε ෳ਺ͷݕࡧ৚݅Λ૊Έ߹ΘͤΔͨΊɺݕࡧ৚݅ຖʹΫϥεԽ ֤ݕࡧ৚݅Λૄ݁߹ʹͯ͠ɺϩδοΫมߋ࣌ͷӨڹൣғΛۃখԽ ςετΛ͔ͬ͠Γॻ͘
  18. Smart, Secure, Mobile Super powered Banking and Living. ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽ 

    վળ׆ಈ ΫϦΞϦϯά ೔͓͖ ໨ࢹ؂ࢹ ִि ύϑΥʔϚϯε .5( ݄Ұ ܾࡁ.5( ຖ೔ ࣗಈ؂ࢹ ૬ஊ େ͖Ίͷ՝୊͸ఆظ.5(Ͱ૬ஊ ܰඍͳ՝୊͸TMBDLͰରԠํ਑ܾΊͯ೔ʑվળ େ͖Ίͳ՝୊͸1+Λ૊੒ͯ͠վળ ि࣍ ։ൃ.5( ӡ༻ϧʔϧΛܾΊΔ͜ͱͰϦζϜͱ৺ཧతෛ୲ͷܰݮ͕ݟࠐΊΔ
  19. Smart, Secure, Mobile Super powered Banking and Living. 㲔 ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽ

    ·ͱΊ
  20. Smart, Secure, Mobile Super powered Banking and Living. ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽ 

    ·ͱΊ  ஌ࣝঢ়ଶ͔Βෆ࣮֬ੑͷߴ͍ܾࡁωοτϫʔΫΛߏங  ຊ൪ՔಇΛ௨ͯ͡ঃʑʹϒϥογϡΞοϓͤ͞ΔઓུΛબ୒  ෆ࣮֬ੑͷରॲ๏Λઃܭ͠ɺͦͷ఺Λॏ఺తʹ؂ࢹ  ݟ͔ͭͬͨ՝୊ʹ͸༏ઌॱҐΛ͚ͭͳ͕Β೔ʑվળ
  21. Smart, Secure, Mobile Super powered Banking and Living. ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽ 

    ൿ݃ͱଞͷྖҬ΁ͷԠ༻ ෆ࣮֬ੑͷߴ͍ϓϩδΣΫτͰ͸ɺ෼͔Βͳ͍ՕॴΛೝࣝ͢Δ͜ͱ͕େ੾ ෼͔Βͳ͍෦෼ΛఆٛͰ͖ͳ͚Ε͹ɺ෼͔ΔͨΊͷ۩ମతͳରॲ๏͕࡞Εͳ͍ ʮ΍ͬͯΈͳ͍ͱ෼͔Βͳ͍ΑͶʯ͔Βʮ͜͜Λ෼͔ΔͨΊʹ͜ΕΛ΍Ζ͏ʯͷҙࣝʹม͑Δ ՔಇதͷγεςϜͰ΋ಉ͡Α͏ʹϦεΫͷߴ͍ՕॴΛूதతʹ؂ࢹ ಛʹ1ͷॲཧͷ࠷ऴܗΛఆٛͯͦ͜͠ʹͨͲΓண͍͍ͯΔ͔Λ؂ࢹ͢Δํ๏͸͓खܰͰ͓͢͢Ί 3FEBTIͩͱೳಈతʹ৘ใΛऔΓʹߦ࢟͘੎͕ੜ·ΕɺαʔϏεཧղ͕ਂ·Δ σʔλΛݟΔश׳΍ͦͷαʔϏεͷಛੑΛ۩ମతʹ஌Δ͜ͱ͕Ͱ͖Δ େ͖͘ม͑Α͏ͱͤͣɺখ͘͞վળ͢ΔͨΊͷ࢓ࠐΈΛೖΕ͓ͯ͘͜ͱ͕େ੾ ෆ࣮֬ੑͷߴ͍෦෼͸͔ͬ͠ΓͱΧϓηϧԽͯ͠ςετΛॻ͖ɺϦϑΝΫλϦϯά͠΍͍͢Α͏ʹ͢Δ ԿΑΓ΋ϦϦʔεޙ΋อक͍ͯ͘͠ओମੑͱ೜଱ڧ͞ɺటष͕͞େࣄ
  22. Smart, Secure, Mobile Super powered Banking and Living. ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽ ߋͳΔαʔϏεͷ੒௕ʹ޲͔ͬͯશ৬छΛશྗͰืूதͰ͢

     ࠷ޙʹ
  23. 㲔 Smart, Secure, Mobile Super powered Banking and Living. ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽ

     ͝੩ௌ͋Γ͕ͱ͏͍͟͝·ͨ͠ʂ