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

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

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

ϞόΠϧܾࡁΞϓϦΛ औΓרࣾ͘ձతഎܠ

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

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

ϞόΠϧܾࡁΞϓϦͷߏ੒ཁૉ

ϞόΠϧܾࡁΞϓϦͷߏ੒ཁૉ $BTI*O $BTI0VU 8BMMFU

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

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

8BMMFU $BTI*O $BTI0VU

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

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

νϟʔδ ΫϨδοτΧʔυ ݸਓؒૹۚ ϑϦϚΞϓϦച্ۚ ऩೲ୅ߦۀ ˞ٞ࿦͋Γ ˞஫ IUUQTTUPSJBMBXKQCMPH

νϟʔδ ΫϨδοτΧʔυ ݸਓؒૹۚ ϑϦϚΞϓϦച্ۚ ࢿۚҠಈۀ IUUQTXXXTLFTTBJKQJOGPMBXIUNM

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"$

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

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

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

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

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

"QQMF1BZ

ͦ΋ͦ΋"QQMF1BZͱ͸ ˠ͘͢͝ศརͰηΩϡΞͳ ΫϨδοτΧʔυϕʔεͷܾࡁํ๏

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׵

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

$BTI0VUखஈͱͯ͠ͷ "QQMF1BZ ܾࡁΞϓϦͷ࢒ߴͱ"QQMF1BZΛ௚݁

"QQMF1BZ*O"QQ1SPWJTJPOJOH

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

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

༨ஊ"QQMF1BZ$BTI IUUQTTVQQPSUBQQMFDPNKBKQHVJEFJQIPOFJQIDGJPT

ίʔυܾࡁ

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

ίʔυܾࡁͷ࢓૊Έ ֤ࣾಠࣗ࢓༷ ඇެ։

+123 IUUQTOFXTNZOBWJKQBSUJDMF

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

$1. ར༻ऀఏࣔܕ IUUQTXXXNFSQBZDPNNFSDIBOU

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

ίʔυ࢓༷ ˡ౷Ұόʔίʔυ࢓༷ ˡ౷Ұ23ίʔυ࢓༷

౷Ұόʔίʔυ࢓༷ w ࣄۀऀࣝผίʔυ ܻ τʔΫϯ෦ /ܻ w ࠷େԣ෯DNͰදࣔ͢Δ͜ͱ
DN

౷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

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 ܻ z lτʔΫϯ෦ /ܻ z  ˠ౷Ұόʔίʔυͱڞ௨

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

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

J04d IUUQTEFWFMPQFSBQQMFDPNEPDVNFOUBUJPODPSFJNBHFDJpMUFSCBSDPEFHFOFSBUPSpMUFS DIBOHFTMBUFTU@NJOPSMBOHVBHFPCKD IUUQTEFWFMPQFSBQQMFDPNEPDVNFOUBUJPODPSFJNBHFDJpMUFSRSDPEFHFOFSBUPS DIBOHFTMBUFTU@NJOPSMBOHVBHFPCKD

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

੩త.1. ళฮఏࣔܕ IUUQTKQNFSQBZDPNOFXTRS IUUQTKQNFSQBZDPNOFXTNFSQBZ@PTBLB

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

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

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

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

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

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

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

طଘΞϓϦ

طଘΞϓϦ΁ͷ ܾࡁػೳͷ૊ΈࠐΈ ʙϝϧΧϦ ϝϧϖΠͷ৔߹ʙ

ػೳ͝ͱʹGSBNFXPSLΛ෼ׂ

ෳ਺νʔϜʹΑΔಉ࣌։ൃ 4BOECPY 4BOECPYΛ༻͍ͨ։ൃޮ཰Խ

%FQFOEFODZ*OKFDUJPO

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

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

QSPUPDPM233FBEFS5ZQF\  GVODNFUBEBUB0VUQVU QBZMPBE4USJOH   ^ DMBTT233FBEFS233FBEFS5ZQF\  GVODNFUBEBUB0VUQVU QBZMPBE4USJOH \  MFUTFTTJPO"7$BQUVSF4FTTJPOʜ 
ʜ ^ 3FMFBTF#VJME DMBTT233FBEFS4UVC233FBEFS5ZQF\  GVODNFUBEBUB0VUQVU QBZMPBE4USJOH \  SFUVSOl%6..:@7"-6&z ^  ^ %FCVH#VJME ྫ %*ʹΑΔΧϝϥϞδϡʔϧͷ ελϒԽ

·ͱΊ wϞόΠϧܾࡁΞϓϦͷഎܠͱߏ੒ٕज़ wΩϟογϡϨεਪਐڠٞձ $BTI*O $BTI0VU F ,:$ w"QQMF1BZ w"QQMF1BZ࢓૊Έ
ηΩϡϦςΟ *O"QQ1SPWJTJPOJOH wίʔυܾࡁ w+123࢓༷ $1..1.ͷ࢓༷ wطଘΞϓϦ΁ͷܾࡁػೳͷ૊ΈࠐΈ wGSBNFXPSL෼ׂͱTBOECPY %*

͝ਗ਼ௌ͋Γ͕ͱ͏͍͟͝·ͨ͠ IUUQTHJUIVCDPNLFONB[+1233FBEFS

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

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

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