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Balance Security and Usability in the Field of ...

Masato Ohba
October 21, 2022

Balance Security and Usability in the Field of 3D Secure

Kaigi on Rails 2022 "Balance Security and Usability in the Field of 3D Secure"

https://kaigionrails.org/2022/talks/ohbarye/

セキュリティとユーザーの利便性をいかに両立させるか、という観点で3Dセキュアの歴史やプロトコルを見ていくセッションです。B/43の開発・運用の裏側も一部紹介しています。

Masato Ohba

October 21, 2022
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  1.  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
  2.  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
  3.  ಋೖ w ηΩϡϦςΟͱϢʔβϏϦςΟ Λߴ͍ਫ४Ͱཱ྆ͤ͞Δ͜ͱΛ ໨ࢦͨ͠ݚڀ෼໺ w Ϣʔβͷߦಈಛੑ΍৺ཧಛੑΛ ߟྀͨ͠ηΩϡϦςΟٕज़ͷ։ ൃ΍ɺطଘٕज़ͷϢʔβϏϦ

    ςΟධՁͳͲ͕ߦΘΕ͍ͯΔ ϢʔβϒϧηΩϡϦςΟ IUUQTMJOLTQSJOHFSDPNCPPL 
 IUUQTUXJUUFSDPNEPDLFSDPOTUBUVT 
 IUUQTTDBOOFUTFDVSJUZOFKQBSUJDMFIUNM
  4.  %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׬ྃ
  5.  %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׬ྃ
  6.  %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
  7.  %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
  8.  %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
  9.  %ηΩϡΞͷྺ࢙ IUUQTETFDVSFDPNUJNFMJOFΛϕʔεʹ࡞੒  ओཁΧʔυϒϥϯυ 
 %4ഇࢭ  &.7$P͕ 


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

     7JTB͕ 
 %4ఏڙ։࢝    %ηΩϡΞɺ೥ͷาΈ
  11.  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
  12.  💁🛍 💳🏢 🏪🛒 ࣄલʹ 
 Χʔυൃߦ ΦϯϥΠϯܾࡁ Χʔυձࣾʹ 


    ܾࡁՄ൱Λ໰͍߹Θͤ Χʔυձࣾ͸ 
 ܾࡁՄ൱ΛԠ౴ ࣮ଶ %ηΩϡΞɺ೥ͷาΈ
  13.  💁🛍 💳🏢 🏪🛒 %4ϓϩτίϧ 
 ఆΊͨͷͰ֤ҐΑΖ͘͠ ࣄલʹ 
 Χʔυൃߦ

    ΦϯϥΠϯܾࡁ Χʔυձࣾʹ 
 ܾࡁՄ൱Λ໰͍߹Θͤ Χʔυձࣾ͸ 
 ܾࡁՄ൱ΛԠ౴ ࣮ଶ %ηΩϡΞɺ೥ͷาΈ
  14.  💁🛍 💳🏢 🏪🛒 %4ϓϩτίϧ 
 ఆΊͨͷͰ֤ҐΑΖ͘͠ γεςϜΛ 
 վम͠ͳ͍ͱ

    γεςϜΛ 
 վम͠ͳ͍ͱ ࣄલʹ 
 Χʔυൃߦ ΦϯϥΠϯܾࡁ Χʔυձࣾʹ 
 ܾࡁՄ൱Λ໰͍߹Θͤ Χʔυձࣾ͸ 
 ܾࡁՄ൱ΛԠ౴ ࣮ଶ %ηΩϡΞɺ೥ͷาΈ
  15.  💁🛍 💳🏢 🏪🛒 %4ϓϩτίϧ 
 ఆΊͨͷͰ֤ҐΑΖ͘͠ ύεϫʔυΛΧʔυձࣾ ʹࣄલొ࿥ʁ γεςϜΛ

    
 վम͠ͳ͍ͱ γεςϜΛ 
 վम͠ͳ͍ͱ ࣄલʹ 
 Χʔυൃߦ ΦϯϥΠϯܾࡁ Χʔυձࣾʹ 
 ܾࡁՄ൱Λ໰͍߹Θͤ Χʔυձࣾ͸ 
 ܾࡁՄ൱ΛԠ౴ ࣮ଶ %ηΩϡΞɺ೥ͷาΈ
  16.  %ηΩϡΞͷ՝୊ 🔐ೝূํࣜ શऔҾͰύεϫʔυೝূ࣮ࢪ😩 💰$73 ೝূը໘ભҠʹΑΔΧΰམͪൃੜ🛒 
 ύεϫʔυೝ஌౓ͷ௿͞ʹΑΔೖྗͷखؒ🤯 📱ϞόΠϧ ϒϥ΢βऔҾͷΈ

    
 ϞόΠϧΞϓϦͰ͸8FC7JFX ϓϩτίϧͳͷͰ🏪͓ళͱ🏢Χʔυձࣾͷ྆ํ͕ରԠ͠ͳ͍ͱ͍͚ͳ͍ 
 ʹ΋͔͔ΘΒͣಋೖʹ͋ͨͬͯϋʔυϧ͕͋ͬͨ %ηΩϡΞɺ೥ͷาΈ
  17.  %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
  18.  💁🛍 💳🏢 🏪🛒 ΦϯϥΠϯܾࡁ Χʔυձࣾʹ 
 %4Λཁٻ ܾࡁՄ൱Λ໰͍߹ΘͤΔલʹ 


    ຊਓೝূΛཁٻ͠Α͏ ϦεΫϕʔεೝূ %ηΩϡΞɺ೥ͷาΈ
  19.  💁🛍 💳🏢 🏪🛒 ΦϯϥΠϯܾࡁ Χʔυձࣾʹ 
 %4Λཁٻ ʮ͜ͷऔҾͷϦεΫ͸ͲΕ͙Β͍͔ʁʯ Λࢉग़ͯ࣍͠ͷεςοϓΛܾఆ͢Δ

    ܾࡁՄ൱Λ໰͍߹ΘͤΔલʹ 
 ຊਓೝূΛཁٻ͠Α͏ ϦεΫϕʔεೝূ %ηΩϡΞɺ೥ͷาΈ
  20.  w ਺ඦͷύϥϝʔλΛΠϯϓοτͱ ͯ͠ϦεΫείΞΛࢉग़ w ϦεΫείΞʹԠͯ࣍͡ͷεςο ϓΛܾఆ w ͦͷଞʮಛఆͷࠃɾ௨՟ɾ͓ళͷ ܾࡁ͸Ұ཯/(ʯͷΑ͏ͳ೚ҙͷ

    ϧʔϧΛ௥ՃՄೳ ϦεΫ൑ఆॲཧΠϝʔδ ϦεΫ൑ఆͷϩδοΫ͸ΧʔυձࣾʹΑ༷ͬͯʑ %ηΩϡΞɺ೥ͷาΈ
  21.  💁🛍 💳🏢 🏪🛒 ΦϯϥΠϯܾࡁ Χʔυձࣾʹ 
 %4Λཁٻ ຊਓೝূ͸εΩοϓͯ͠ 


    ܾࡁΛਐΊͯ0,ʂ ௿ϦεΫͷͱ͖ ϑϦΫγϣϯϨεϑϩʔ %ηΩϡΞɺ೥ͷาΈ
  22.  💁🛍 💳🏢 🏪🛒 ΦϯϥΠϯܾࡁ Χʔυձࣾʹ 
 %4Λཁٻ ຊਓೝূ͢Δ·Ͱ΋ͳ͍ 


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


    औҾΛࣦഊͤͯ͘͞Εʂ ߴϦεΫͷͱ͖ %ηΩϡΞɺ೥ͷาΈ ϑϦΫγϣϯϨεϑϩʔ
  24.  %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
  25.  💁🛍 💳🏢 🏪🛒 ΦϯϥΠϯܾࡁ Χʔυձࣾʹ 
 %4Λཁٻ ຊਓೝূ͸εΩοϓͯ͠ 


    ܾࡁΛਐΊͯ0,ʂ ࠶ܝ ϑϦΫγϣϯϨεϑϩʔ %ηΩϡΞϓϩτίϧೖ໳
  26.  💁📱 💳🏢 🏪🛒 ͓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
  27.  💁📱 💳🏢 🏪🛒 ͓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
  28.  💁📱 💳🏢 🏪🛒 ͓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 ᶄ"3FR ᶃ%4༻ͷ৘ใΛૹ৴
  29.  💁📱 💳🏢 🏪🛒 ͓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 ᶄ"3FR ᶃ%4༻ͷ৘ใΛૹ৴ ᶄ"3FR
  30.  💁📱 💳🏢 🏪🛒 ͓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 ᶄ"3FR ᶃ%4༻ͷ৘ใΛૹ৴ ᶅ"3FT ᶄ"3FR ᶅ"3FT
  31.  💁📱 💳🏢 🏪🛒 ͓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 ᶄ"3FR ᶃ%4༻ͷ৘ใΛૹ৴ ᶆ"3FTͷ݁Ռ௨஌ ᶅ"3FT ᶄ"3FR ᶅ"3FT
  32.  💁📱 💳🏢 🏪🛒 ͓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 ᶄ"3FR ᶃ%4༻ͷ৘ใΛૹ৴ ᶆ"3FTͷ݁Ռ௨஌ ᶇܾࡁϦΫΤετ ᶅ"3FT ᶄ"3FR ᶅ"3FT
  33.  💁📱 💳🏢 🏪🛒 ͓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 ᶄ"3FR ᶃ%4༻ͷ৘ใΛૹ৴ ᶆ"3FTͷ݁Ռ௨஌ ᶇܾࡁϦΫΤετ ᶈΦʔιϦ ᶅ"3FT ᶄ"3FR ᶅ"3FT
  34.  💁📱 💳🏢 🏪🛒 ͓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
  35.  💁📱 💳🏢 🏪🛒 ͓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
  36.  💁📱 💳🏢 🏪🛒 ͓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
  37.  💁📱 💳🏢 🏪🛒 ͓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
  38.  💁📱 💳🏢 🏪🛒 ͓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
  39.  💁📱 💳🏢 🏪🛒 ͓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 ᶆ"3FTͷ݁Ռ௨஌ ᶅ"3FT ᶄ"3FR ᶅ"3FT
  40.  💁📱 💳🏢 🏪🛒 ͓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 ᶆ"3FTͷ݁Ռ௨஌ ᶅ"3FT ᶄ"3FR ᶅ"3FT ᶇ$3FR ᶈ$3FT
  41.  💁📱 💳🏢 🏪🛒 ͓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 ᶉ33FRᶊ33FT ᶉ33FR ᶊ33FT ᶆ"3FTͷ݁Ռ௨஌ ᶅ"3FT ᶄ"3FR ᶅ"3FT ᶇ$3FR ᶈ$3FT
  42.  💁📱 💳🏢 🏪🛒 ͓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 ᶉ33FRᶊ33FT ᶉ33FR ᶊ33FT ᶆ"3FTͷ݁Ռ௨஌ ᶋܾࡁϦΫΤετ ᶅ"3FT ᶄ"3FR ᶅ"3FT ᶇ$3FR ᶈ$3FT
  43.  💁📱 💳🏢 🏪🛒 ͓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 ᶉ33FRᶊ33FT ᶉ33FR ᶊ33FT ᶆ"3FTͷ݁Ռ௨஌ ᶋܾࡁϦΫΤετ ᶌΦʔιϦ ᶅ"3FT ᶄ"3FR ᶅ"3FT ᶇ$3FR ᶈ$3FT
  44.  w (FOFSBM.FTTBHF)BOEMJOH w )551NFUIPE $POUFOU5ZQF &ODPEJOHFUD w 1BSUJBM4ZTUFN0VUBHFT w

    5JNFPVUT w .FTTBHF&SSPS)BOEMJOH w 65$%BUFBOE5JNF ͦͷଞʹ΋༷ʑͳཁ݅ %ηΩϡΞϓϩτίϧೖ໳
  45.  💁🛍 💳🏢 🏪🛒 ΦϯϥΠϯܾࡁ Χʔυձࣾʹ 
 %4Λཁٻ ʮ͜ͷऔҾͷϦεΫ͸ͲΕ͙Β͍͔ʁʯ Λࢉग़ͯ࣍͠ͷεςοϓΛܾఆ͢Δ

    ܾࡁՄ൱Λ໰͍߹ΘͤΔલʹ 
 ຊਓೝূΛཁٻ͠Α͏ ࠶ܝ ϦεΫϕʔεೝূ Χʔυձࣾͷ%ηΩϡΞӡ༻
  46.  w ηΩϡϦςΟͱϢʔβϏϦςΟཱ͕྆͢Δ͔͸ओʹϦεΫධՁ࣍ୈ w ͭͷऔҾͷϦεΫΛධՁ͢ΔͨΊͷม਺͸਺ඦ͋Δ  w ֹۚɺ௨՟ɺΧʔυ৘ใɺ੥ٻઌɾ഑ૹઌॅॴɺσόΠεɺ*1ΞυϨεɺՃໍళ৘ใɺߪങσʔλ w ࠷దԽ͠Α͏ͱ͢ΔͱՃໍళ୯ҐͰͷϦεΫ൑ఆ͕ඞཁ

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  47.  w JGϦεΫείΞ/ w ຊਓೝূεΩοϓʢϑϦΫγϣϯϨεʣ w JGϦεΫείΞ. w औҾڋ൱ʢϑϦΫγϣϯϨεʣ w

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  48.  w ೥ͷύϯσϛοΫҎ߱ɺશੈ քͰ&$͕ྺ࢙త੒௕Λ͕ͨ͠ಉ࣌ ʹෆਖ਼ར༻΋૿Ճ  w ࠃ಺Ͱ͸೥ʹ͓͚ΔΧʔυෆ ਖ਼ར༻ͷඃ֐ֹ͸લ೥ൺׂ૿ͷ ԯສԁɻΧʔυ൪߸౪༻ʹ

    ΑΔඃ֐͸ˋʹ౰ͨΔԯ ສԁ ࠃ಺֎Ͱ૿͑ଓ͚Δෆਖ਼ར༻ඃ֐ IUUQTTUSJQFDPNKQHVJEFTTUBUFPGPOMJOFGSBVE 
 IUUQTYUFDIOJLLFJDPNBUDMOYUDPMVNO ·ͱΊ
  49.  ࢀߟจݙ w Α͘Θ͔ΔೝূͱೝՄ w IUUQTEFWDMBTTNFUIPEKQBSUJDMFTBVUIFOUJDBUJPOBOEBVUIPSJ[BUJPO w ରԠظݶ͕ഭΔ%ηΩϡΞɹ&$αΠτʹඞཁͳରԠͱ͸ʁ w IUUQTFD[JOFKQBSUJDMFEFUBJM

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  50.  ࢀߟจݙ w 4USPOH$VTUPNFS"VUIFOUJDBUJPOXIBUJUJTBOEIPXJUXPSLT w IUUQTXXXQBZNFOUTTFSWJDFHPWVLETFDVSF w Χʔυೝূͱ%ηΩϡΞ w IUUQTTUSJQFDPNEPDTQBZNFOUTETFDVSF

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  51.  ࢀߟจݙ w #ΧʔυܾࡁγεςϜͷ͘͠Έʢલฤʣ w IUUQTCMPHTNBSUCBOLDPKQFOUSZBCPVUDBSEQBZNFOUTZTUFN w ؂ࢹΛ௨ͨ͡αʔϏεͷஞ࣍తਐԽd#ͷܾࡁαʔϏεͰͷऔΓ૊Έd w IUUQTTQFBLFSEFDLDPNTIPIFJNJUBOJLBJHJPOSBJMT

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