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法律に準拠した本人確認システムを0から作った話 〜家計簿プリカB/43でのeKYC開発実例〜
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ShoheiMitani
August 09, 2024
Technology
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法律に準拠した本人確認システムを0から作った話 〜家計簿プリカB/43でのeKYC開発実例〜
builderscon 2024
ShoheiMitani
August 09, 2024
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Transcript
๏ʹ४ڌͨ͠ຊਓ֬ೝγεςϜΛ͔Β࡞ͬͨ ʙՈܭϓϦΧ#ͰͷF,:$։ൃ࣮ྫʙ
c1SPGJMF ࡾ୩ণฏc!TIPIFJ גࣜձࣾεϚʔτόϯΫ &.݉αʔόʔαΠυΤϯδχΞ લ৬ϑϦϚαΠτͷߪೖը໘Λ୲ͨ͠Γɺε ϚʔτόϯΫͰ7*4"ΧʔυͷܾࡁγεςϜೖ ۚػೳΛଟ୲ͨ͠Γͱɺܾࡁ·ΘΓ͕ಘҙ ,BJHJPO3BJMTεϐʔΧʔ :"1$)JSPTIJNBϕεττʔΫ ⛳εϚʔτόϯΫΰϧϑ෦෦
X
#ͷຊਓ֬ೝʢF,:$ʣ w ຊਓ֬ೝΛ͢Δ͜ͱͰɺར༻Ͱ͖Δػೳ͕૿͑Δ w ޱ࠲ߴ্ݶສˠສ w ޱ࠲ߴ͕ग़ۚՄೳʹͳΔ w ࢿܾۚࡁ๏ʹج͖ͮߴ͕શֹอূʹͳΔ
w &UDʜ w αʔϏεϦϦʔεॳඞਢɻࠓͷ݄͔Βҙ
w ͳͥຊਓ֬ೝγεςϜ͕ඞཁͩͬͨͷ͔ʁ w ֎෦ϕϯμʔ͋ΔதͰࣗલߏஙΛબͨ͠ཧ༝ w ຊਓ֬ೝγεςϜʹٻΊΒΕΔཁ݅ w ຊਓ֬ೝγεςϜͷΞʔΩςΫνϟͱͦͷத w
ຊਓ֬ೝۀʹ͓͚Δ ࠓ͓͢͠Δ͜ͱ γεςϜͱۀ͔ͳΓΦʔϓϯʹΔͷͰ͝ظΛʜ
Smart, Secure, Mobile Super powered Banking and Living. ࠓͷҙؾࠐΈ
w ࡞ͬͨਓ͔͠Βͳ͍ຊਓ֬ೝγεςϜͷதʹ͍ͭͯདʑʹ ͦ͏ͱࢥ͍·͢ w ެ։0,ͳΛΓ·͕͢ɺҰ෦த͕Ұਓา͖͠ͳ͍Α͏ʹࣸਅ /(ͷͱ͜ΖʹɹɹɹΛࡌͤΔͷͰ͝ڠྗ͓ئ͍͠·͢🙏
ͳͥຊਓ֬ೝγεςϜ͕ඞཁͩͬͨͷ͔ʁ
ੈͷதͰຊਓ֬ೝ͕ٻΊΒΕΔཧ༝ ൜ࡑऩӹҠసࢭ๏ ۚ༥ػؔʢۜߦɾ৴༻ۚݿʣࢿۚҠಈۀऀͳͲͷಛఆࣄۀऀ͕ϚωʔɾϩϯμϦϯά ͓Αͼςϩࢿۚڙ༩Λࢭ͢ΔͨΊͷાஔΛنఆ ܞଳి ෆਖ਼ར༻ࢭ๏ ௨৴ࣄۀऀʹΑΔܖऀͷཧମ੍ͷඋͷଅਐΛతͱ͠ɺܖ࣌ͷຊਓ֬ೝͳͲͷ ܞଳిͷෆਖ਼ར༻Λࢭ͢ΔͨΊͷાஔΛنఆ ݹӦۀ๏
ݹࢢͰͷ౪ͷྲྀ௨Λࢭ͢ΔͨΊɺҰఆֹۚҎ্ͷऔҾʹ͓͍ͯຊਓ֬ೝͷٛ ͕ੜ͡Δ͜ͱΛنఆ αʔϏε্࣭ ๏Ͱͷن੍ͳ͍͕ɺαʔϏεͷ࣭ΛߴΊΔͨΊʹࣗओతʹߦͳ͍ͬͯΔͷ
ੈͷதͰຊਓ֬ೝ͕ٻΊΒΕΔཧ༝ ൜ࡑऩӹҠసࢭ๏ ۚ༥ػؔʢۜߦɾ৴༻ۚݿʣࢿۚҠಈۀऀͳͲͷಛఆࣄۀऀ͕ϚωʔɾϩϯμϦϯά ͓Αͼςϩࢿۚڙ༩Λࢭ͢ΔͨΊͷાஔΛنఆ ܞଳి ෆਖ਼ར༻ࢭ๏ ௨৴ࣄۀऀʹΑΔܖऀͷཧମ੍ͷඋͷଅਐΛతͱ͠ɺܖ࣌ͷຊਓ֬ೝͳͲͷ ܞଳిͷෆਖ਼ར༻Λࢭ͢ΔͨΊͷાஔΛنఆ ݹӦۀ๏
ݹࢢͰͷ౪ͷྲྀ௨Λࢭ͢ΔͨΊɺҰఆֹۚҎ্ͷऔҾʹ͓͍ͯຊਓ֬ೝͷٛ ͕ੜ͡Δ͜ͱΛنఆ αʔϏε্࣭ ๏Ͱͷن੍ͳ͍͕ɺαʔϏεͷ࣭ΛߴΊΔͨΊʹࣗओతʹߦͳ͍ͬͯΔͷ
͏গ͠ৄ͘͠ݴ͏ͱ w #Ϣʔβʔ͔ΒΧʔυܾࡁʹར༻͢ΔͨΊͷ͓ۚΛҰ࣌తʹ༬͔ΔαʔϏε w ຊͰϢʔβʔ͔Β͓ۚΛ༬͔ͬͯαʔϏεఏڙ͢Δʹࠃ͔Βͷ໔ڐަొ͕ඞཁ w ۜߦ๏ࢿۚҠಈۀऀલࣜࢧखஈFUDʜ w εϚʔτόϯΫࢿۚҠಈۀऀͱલࣜࢧखஈͷۀऀͱͯ͠ొ͞Ε͍ͯΔ
w ൜ࡑऩӹҠసࢭ๏ͷରͱͳΔಛఆࣄۀऀʹࢿۚҠಈۀऀؚ͕·Ε͓ͯΓٛԽ ൜ࡑऩӹҠసࢭ๏ ۚ༥ػؔʢۜߦɾ৴༻ۚݿʣࢿۚҠಈۀऀͳͲͷಛఆࣄۀऀ͕ϚωʔɾϩϯμϦϯά ͓Αͼςϩࢿۚڙ༩Λࢭ͢ΔͨΊͷાஔΛنఆ
ࢿۚҠಈۀऀ લࣜࢧखஈ w ڞʹࢿܾۚࡁ๏ͱ͍͏๏ͷதͰఆΊΒΕ͍ͯΔͷ w ϓϦϖΠυΧʔυ݊ɺ23ίʔυܾࡁͳͲɺۜߦҎ֎ͷऀ͕ Ϣʔβʔ͔ΒऔҾͷͨΊͷ͓ۚΛ༬͔ͬͯαʔϏεఏڙΛ͢ΔͨΊ ʹ͋Δ๏ ࢿܾۚࡁ๏
ҙ֎ͱۙͳࢿۚҠಈۀऀ
w Ϣʔβʔ͔ΒऔҾͷͨΊͷ͓ۚΛ༬͔ΕΔ w ༬͔͓ͬͨۚΛΧʔυܾࡁ23ίʔυܾࡁɺग़ۚૹۚͷαʔϏ εʹར༻͢Δ͜ͱ͕Ͱ͖Δ w ҰํͰ͓ۚΛ༬͔Δ͕Ώ͑ʹݫ੍͍͋͠Δ ࢿۚҠಈۀऀ͕ఏڙͰ͖ΔαʔϏε
w ෆਖ਼ϦεΫΛ͑ΔͨΊʹຊਓ֬ೝ͕ඞਢ w ಉ༷ʹ".-$'5ରࡦΛߦ͏ඞཁ͕͋Δ w ձ͕ࣾ࢈ͯ͠༬͔͓ͬͨۚΛશֹฦۚͰ͖ΔΑ͏ʹڙୗ͕ඞਢ w ܾࡁग़ۚͷऔҾҎ֎ͷతͰ͓ۚΛ༬͔ͬͯͳΒͳ͍ ࢿۚҠಈۀऀʹ՝ͤΒΕΔݫ੍͍͠
w εϚʔτόϯΫࢿۚҠಈۀऀͱͯ͠#ͷαʔϏεΛ։࢝ͨ͠ w ࢿۚҠಈۀऀ൜ࡑऩӹҠసࢭ๏ͷಛఆࣄۀऀͱͯ͠ɺຊਓ֬ೝ ͱ".-$'5ରࡦ͕͚ٛΒΕ͍ͯΔ খ·ͱΊͳͥຊਓ֬ೝγεςϜ͕ඞཁͩͬͨͷ͔ʁ ຊਓ֬ೝγεςϜΛߏங͢Δඞཁ͕͋ͬͨ
ͳͥຊਓ֬ೝγεςϜΛࣗલͰߏஙͨ͠ͷ͔ʁ
֎෦αʔϏεͷར༻ ࣗલͰߏங ͔ ͔ w ෳͷϕϯμʔ͕࣭ͷߴ͍ຊਓ֬ೝαʔϏεΛఏڙ͍ͯ͠Δ w ΞϓϦ༻4%,͔Β৹ࠪπʔϧɺຊਓ֬ೝۀ͕ύοέʔδԽ w
ଞαʔϏεͰϕϯμʔͷαʔϏεΛ࠾༻͍ͯ͠Δྫ͕ଟ͘ΈΒΕΔ w ҰํͰϕϯμʔͷαʔϏε8FC7JFXલఏͩͬͨΓɺϑϩʔͷΧελ ϚΠζੑ͕͍ #Ͱͷຊਓ֬ೝϑϩʔͷઃܭࢥ
Smart, Secure, Mobile Super powered Banking and Living. ݱۚΛ༻్͝ͱʹା͚ͯ͠
ΞφϩάʹՈܭΛཧ ΫϨΧͷ໌ࡉΛ֬ೝͰ͖ͣ Ҿམ͠·Ͱࢧग़ΛѲͰ͖ͳ͍ ຊਓ֬ೝͰʮ͏ͬʜʯͱͳͬͯ͞Εͳ͍Α͏ʹ γʔϜϨεͳຊਓ֬ೝମݧΛࣗલͰߏங͢Δ͜ͱΛબ #ͷλʔήοτϢʔβʔʹ8FCαʔϏεͷར༻ʹෆ׳Εͳਓଟ͍
Smart, Secure, Mobile Super powered Banking and Living. ࣗલͰߏங͢Δ͜ͱͷϝϦοτ
ᶃίϯςΩετͷஅΛ͙ ᶄ౷Ұ͞Εͨίϛϡχέʔγϣϯϧʔϧ αʔϏεͷਃ͠ࠐΈͷ̍εςοϓͱͯ͠දݱ͢Δ ૢ࡞ੑσβΠϯ͔ΒϑϩʔͷஅΛҙࣝͤ͞ͳ͍ αʔϏεͷίϛϡχέʔγϣϯϧʔϧʹ४ڌ͢Δ ը໘͝ͱͷใྔΛ͑ͯ͠Έ͍͢දݱΛ
Smart, Secure, Mobile Super powered Banking and Living. lγʔϜϨεͳΦϯϘʔσΟϯάମݧzͷͨΊʹίετΛ͔͚͍ͯ͘ҙࢥܾఆ
Smart, Secure, Mobile Super powered Banking and Living. ϞόΠϧΞϓϦ͚ͩͰͳ͘ཧը໘ΛؚΊͨαʔόʔαΠυࣗલͰߏங
w ຊਓ֬ೝͷঝೝϑϩʔͷ࠷దԽ"NB[PO3FLPHOJUJPOͰͷإࣸਅղੳͳͲ ӡ༻ίετͷܰݮਃ༰ͷਖ਼ੑΛ୲อ͢Δ
൜ࡑऩӹҠసࢭ๏ͰٻΊΒΕΔຊਓ֬ೝͷཁ݅
ۚ༥௨৴αʔϏεͷܖͳͲͰͷैདྷͷຊਓ֬ೝ 💁ର໘Ͱͷຊਓ֬ೝ ࣮ళฮͷ૭ޱͰຊਓ֬ೝॻྨΛఏࣔ 📮༣ૹͰͷຊਓ֬ೝ ຊਓ֬ೝॻྨͷఏग़༣ศͷड͚औΓ w ରνϟωϧΛ࣋ͨͳ͍8FCαʔϏε༣ૹͰͷຊਓ֬ೝΛ࠾༻ w ར༻։࢝·Ͱʹ࠷ͰͷλΠϜϥά͕ൃੜ͢Δͷ͕՝
൜ࡑऩӹҠసࢭ๏ͷվਖ਼ʢ݄ʣ w ΦϯϥΠϯͰ݁͢Δඇର໘ܕͷຊਓ֬ೝ͕Մೳʹ w #ͷΑ͏ͳϓϦϖΠυΧʔυͷαʔϏε͚ͩͰͳ͘ɺۜߦޱ࠲ ͷ։ઃΫϨδοτΧʔυͷ৽نਃ͠ࠐΈͳͲɺ෯ۚ͘༥αʔϏ εͷརศੑ্ʹӨڹ ΦϯϥΠϯͰߦΘΕΔຊਓ֬ೝΛF,:$ͱ͍͍·͢ F,:$lFMFDUSPOJD,OPX:PVS$VTUPNFSz
൜ࡑऩӹҠసࢭ๏վਖ਼ͰՃ͞ΕͨΦϯϥΠϯͰͷຊਓ֬ೝํ๏ ސ٬ ຊਓ֬ೝॻྨͷը૾ૹ৴ ຊਓͷ༰ͷը૾ૹ৴ ࣄۀऀ ຊਓ֬ೝॻྨͷը૾ ຊਓͷ༰ͷը૾ૹ৴ ސ٬ ຊਓ֬ೝॻྨͷ*$νοϓใૹ৴
ຊਓͷ༰ͷը૾ૹ৴ ࣄۀऀ *$νοϓใ ސ٬ͷ༰ͷը૾ૹ৴ ސ٬ ຊਓ֬ೝॻྨͷը૾ຢ *$νοϓใૹ৴ ۜߦ ۜߦͷরձ ࣄۀऀ ސ٬ใরձ ˞Πϯλʔωοτ্ͷϏσΦ௨ػೳΛར༻ͨ͠ํ๏Մ ଞʹϚΠφϯόʔΧʔυͷॺ໊༻ిࢠূ໌ॻΛ͏ํ๏ͱ͔ز͔ͭ͋Γ·͢ ͏গ͠ৄ͍͠ࢿྉΛݟ͍ͨਓͪ͜Β IUUQTXXXGTBHPKQDPNNPOMBXHVJEFLBLVOJORBQEG
ސ٬ ຊਓ֬ೝॻྨͷը૾ૹ৴ ຊਓͷ༰ͷը૾ૹ৴ ࣄۀऀ ຊਓ֬ೝॻྨͷը૾ ຊਓͷ༰ͷը૾ૹ৴ ސ٬ ຊਓ֬ೝॻྨͷ*$νοϓใૹ৴ ຊਓͷ༰ͷը૾ૹ৴
ࣄۀऀ *$νοϓใ ސ٬ͷ༰ͷը૾ૹ৴ ސ٬ ຊਓ֬ೝॻྨͷը૾ຢ *$νοϓใૹ৴ ۜߦ ۜߦͷরձ ࣄۀऀ ސ٬ใরձ ˞Πϯλʔωοτ্ͷϏσΦ௨ػೳΛར༻ͨ͠ํ๏Մ ଞʹϚΠφϯόʔΧʔυͷॺ໊༻ిࢠূ໌ॻΛ͏ํ๏ͱ͔ز͔ͭ͋Γ·͢ ͏গ͠ৄ͍͠ࢿྉΛݟ͍ͨਓͪ͜Β IUUQTXXXGTBHPKQDPNNPOMBXHVJEFLBLVOJORBQEG ൜ࡑऩӹҠసࢭ๏վਖ਼ͰՃ͞ΕͨΦϯϥΠϯͰͷຊਓ֬ೝํ๏
w ۩ମํ๏ʮ൜ࡑʹΑΔऩӹͷҠసࢭʹؔ͢Δ๏ࢪߦنଇ߲̒̍̍߸ϗʯʹهࡌ w ސ٬ຊਓຢͦͷදऀʹࣄۀऀͷΞϓϦΛ༻ͯ͠ࡱӨͤͨ͞ w ຊਓͷ༰ͱຊਓ֬ೝॻྨʹషΓ͚ΒΕͨࣸਅͱ w ຊਓ֬ೝॻྨͷਅآΛ͔֬ΊΔͨΊͷްΈͦͷଞಛΛࡱӨͨࣸ͠ਅͰ w
ຊਓΛ֬ೝ͢Δํ๏ ๏ͷจষಡΈʹ͍͘ͷͰҙ༁ͯ͠·͢ ސ٬ ຊਓ֬ೝॻྨͷը૾ૹ৴ ຊਓͷ༰ͷը૾ૹ৴ ࣄۀऀ ຊਓ֬ೝॻྨͷը૾ ຊਓͷ༰ͷը૾ૹ৴ ˞Πϯλʔωοτ্ͷϏσΦ௨ػೳΛར༻ͨ͠ํ๏Մ ൜ࡑऩӹҠసࢭ๏վਖ਼ͰՃ͞ΕͨΦϯϥΠϯͰͷຊਓ֬ೝํ๏
۩ମతʹ๏ͰٻΊΒΕΔ͜ͱᶃ w ސ٬ຊਓຢͦͷදऀʹࣄۀऀͷ ΞϓϦΛ༻ͯ͠ࡱӨͤ͞Δ w ࡱӨࡁΈͷࣸਅͰͳ͘ɺΞϓϦ ͰࡱӨΛٻΊΔ w ࠨӈ্Լͷ͏ͪϥϯμϜʹࢦࣔग़
͠Λͯ͠ϩϘοτͰͳ͘ɺຊਓ ͕ࡱӨ͍ͯ͠Δ͜ͱΛ୲อ
۩ମతʹ๏ͰٻΊΒΕΔ͜ͱᶄ w ຊਓͷ༰ͱຊਓ֬ೝॻྨʹషΓ ͚ΒΕͨࣸਅΛࡱӨͯ͠Β͏ w ࣸਅ͖ͷຊਓ֬ೝॻྨΛࡱӨ w ӡస໔ڐূɺϚΠφϯόʔΧʔ υɺࡏཹΧʔυಛผӬॅऀূ໌
ॻɺύεϙʔτʢd݄ൃߦ·Ͱʣ w ΞϓϦͰਖ਼໘ࣸਅΛࡱӨ
۩ମతʹ๏ͰٻΊΒΕΔ͜ͱᶅ w ຊਓ֬ೝॻྨͷਅآΛ͔֬ΊΔͨΊ ͷްΈͦͷଞಛΛࡱӨͯ͠Β͏ w ຊਓ֬ೝॻྨʹԠͯ͡ɺද໘ɾཪ ໘ΛࡱӨ w ࣼΊ͔ΒࣸਅΛࡱͬͯΒ͏͜ͱ
ͰްΈΛࡱӨ
ࡉ͔͍ཁ݅ʹ͍ͭͯ·ͱΊͨ2"ެ։͞Ε͍ͯΔ IUUQTXXXGTBHPKQDPNNPOMBXHVJEFLBLVOJORBIUNM
w ݄ͷ൜ࡑऩӹҠసࢭ๏ͷ๏վਖ਼ͰΦϯϥΠϯͰͷຊਓ֬ೝ͕ Ͱ͖ΔΑ͏ʹͳͬͨ w ຊਓ֬ೝͷ۩ମతͳख๏͕๏ͰఆΊΒΕ͓ͯΓɺࡉ͔ͳ༷ʹ͍ͭͯͷ 2"ެ։͞Ε͍ͯΔ w ޙ๏ͱ2"ʹج͍ͮͯɺຊਓ֬ೝͷγεςϜΛߏங͢Εྑ͍͚ͩʂ খ·ͱΊ൜ࡑऩӹҠసࢭ๏ͰٻΊΒΕΔຊਓ֬ೝͷཁ݅
ͱݴ͑ΨΠυϥΠϯΛ࣮ࡍͷ༷ʹམͱ͠ࠐΉ ͷͳ͔ͳ͔ࠎ͕ંΕΔ࡞ۀʜ
ຊਓ֬ೝγεςϜͷΞʔΩςΫνϟ
ຊਓ֬ೝγεςϜͷΞʔΩςΫνϟ #ΞϓϦ 4 424 "VSPSB 3FLPHOJUJPO DPSFBQJ BNMBQJ BENJOXFC
ࣾձతྗ%# ຊਓ֬ೝใͷอଘ ϋΠϦεΫϢʔβʔ ͷݕࡧ ຊਓ֬ೝۀͷ࣮ࢪ ☑ ☑ ☑ ☑ ຊਓ֬ೝͷઆ໌ʹߜΔͨΊࡉ෦লུ͍ͯ͠·͢ɻશମ૾ͪ͜Β͔Β IUUQTTNBSUCBOLDPKQSFDSVJUFOHJOFFSTVNNBSZ ཁҙਓ%# $4֎෦ҕୗ
ཁҙਓ%# #ΞϓϦ 4 424 "VSPSB 3FLPHOJUJPO DPSFBQJ BNMBQJ BENJOXFC
ࣾձతྗ%# ຊਓ֬ೝใͷอଘ ϋΠϦεΫϢʔβʔ ͷݕࡧ ຊਓ֬ೝۀͷ࣮ࢪ ☑ ☑ ☑ ☑ ຊਓ֬ೝͷઆ໌ʹߜΔͨΊࡉ෦লུ͍ͯ͠·͢ɻશମ૾ͪ͜Β͔Β IUUQTTNBSUCBOLDPKQSFDSVJUFOHJOFFSTVNNBSZ #ΞϓϦʢJ04"OESPJEʣ $4֎෦ҕୗ
Smart, Secure, Mobile Super powered Banking and Living. ࢯ໊ॅॴͷೖྗ
إࣸਅͷࡱӨ ຊਓ֬ೝॻྨͷࡱӨ #ΞϓϦʢJ04"OESPJEʣ
Smart, Secure, Mobile Super powered Banking and Living. 7JTJPOGSBNFXPSLͷۣܗݕग़ػೳΛ׆༻
ʢ"OESPJE0QFO$7Ͱࣗલղੳʣ ຊਓ֬ೝॻྨ ʢӡస໔ڐॻͷ߹ʣ ද໘ཪ໘ްΈʢࣼΊʣΛࡱӨ إࣸਅ إͷ͖ͳͲͷࢦࣔͰຕΛࡱӨ .-,JUͷإݕग़ػೳΛ׆༻ 7JTJPOGSBNFXPSL.-,JUΛ׆༻ͨࣗ͠ಈࡱӨΛ࣮
Smart, Secure, Mobile Super powered Banking and Living. 7JTJPOGSBNFXPSL.-,JUΛ׆༻ͨࣗ͠ಈࡱӨΛ࣮
⁞ Ωϟϓνϟը૾ͷऔಘ 7JTJPOGSBNFXPSL.-,JUͷݕग़ثʹ͔͚Δ ۣܗإ͕ݕग़͞ΕͨΒҐஔͳͲ͕ࡱӨ݅ʹ߹க͢Δ͔ఆ
Smart, Secure, Mobile Super powered Banking and Living. 7JTJPOGSBNFXPSL.-,JUΛ׆༻ͨࣗ͠ಈࡱӨΛ࣮
⁞ Ωϟϓνϟը૾ͷऔಘ ॲཧͷྲྀΕࣗମ୯७͕ͩࡱӨ݅ͷᮢΛ୳Δඞཁ🔍 ຊਓ֬ೝͱͯ͠ෆదͳը૾ʹ ࡱӨ͕݅؇͗͢Δͱʜ Ϣʔβʔͷେ͖ͳϙΠϯτʹ ࡱӨ͕݅ݫ͗͢͠Δͱʜ 7JTJPOGSBNFXPSL.-,JUͷݕग़ثʹ͔͚Δ ۣܗإ͕ݕग़͞ΕͨΒҐஔͳͲ͕ࡱӨ݅ʹ߹க͢Δ͔ఆ
Smart, Secure, Mobile Super powered Banking and Living. ྫຊਓ֬ೝॻྨͷްΈʢࣼΊʣ
ɾ࠷େ෯͕ΨΠυʹର͠ʙ ɾ࠷େߴ͕ΨΠυʹର͠ʙ ɾΨΠυͷॏ৺ͱͷڑ͕ʓҎԼ ɾԼลʹର͢Δ্ลͷׂ߹͕ʓҎԼ ɾࠨลͱӈลͷͶ͡Ε͕ʓʙʓ ࣾϢʔβʔςετΛ܁Γฦͯ͠దͳࡱӨ݅ͷᮢΛ୳Δ
Smart, Secure, Mobile Super powered Banking and Living. ྫࠨ͖ͷإࣸਅ
ɾإͷԣ෯͕ΨΠυʹର͠Ҏ্ ɾإͱΨΠυͷॏ৺ͷڑ͕ʓҎԼ ɾإͷ9࣠;࣠Ͱͷ͖͕ʓʙʓ ɾإͷ:࣠Ͱͷ͖͕ʓҎ্ ɾ͕։͍͍ͯΔ͕֬ʓҎ্ ࣾϢʔβʔςετΛ܁Γฦͯ͠దͳࡱӨ݅ͷᮢΛ୳Δ
#ΞϓϦ 4 424 "VSPSB 3FLPHOJUJPO DPSFBQJ BNMBQJ BENJOXFC ࣾձతྗ%#
ຊਓ֬ೝใͷอଘ ϋΠϦεΫϢʔβʔ ͷݕࡧ ຊਓ֬ೝۀͷ࣮ࢪ $4֎෦ҕୗ ☑ ☑ ☑ ☑ ຊਓ֬ೝͷઆ໌ʹߜΔͨΊࡉ෦লུ͍ͯ͠·͢ɻશମ૾ͪ͜Β͔Β IUUQTTNBSUCBOLDPKQSFDSVJUFOHJOFFSTVNNBSZ ཁҙਓ%# αʔόʔαΠυɾΞϓϦέʔγϣϯ
#ΞϓϦ 4 424 "VSPSB 3FLPHOJUJPO DPSFBQJ BNMBQJ ࣾձతྗ%# ຊਓ֬ೝใͷอଘ
ϋΠϦεΫϢʔβʔ ͷݕࡧ "84ػೳɺࣗલϚΠΫϩαʔϏεΛར༻ͯ͠डػೳΛߏங ཁҙਓ%#
ཁҙਓ%# 4 424 "VSPSB 3FLPHOJUJPO BNMBQJ ࣾձతྗ%# ϋΠϦεΫϢʔβʔ ͷݕࡧ
γεςϜϑϩʔ #ΞϓϦ DPSFBQJ ຊਓ֬ೝใͷอଘ ⁞ຊਓ֬ೝใͷૹ৴ ࢯ໊ͷೖྗใ ຊਓ֬ೝॻྨͷࣸਅ إը૾ͷࣸਅ
ཁҙਓ%# #ΞϓϦ 424 3FLPHOJUJPO BNMBQJ ࣾձతྗ%# ϋΠϦεΫϢʔβʔ ͷݕࡧ ຊਓ֬ೝใͷอଘ
%# ࢯ໊ͷೖྗใ 4 ຊਓ֬ೝॻྨͷࣸਅ 4 إը૾ͷࣸਅ 4 "VSPSB DPSFBQJ ຊਓ֬ೝใͷอଘ γεςϜϑϩʔ
ཁҙਓ%# #ΞϓϦ 424 "VSPSB DPSFBQJ BNMBQJ ࣾձతྗ%# ຊਓ֬ೝใͷอଘ ϋΠϦεΫϢʔβʔ
ͷݕࡧ ຊਓ͔Βͷਃ֬ೝ ຊਓ֬ೝॻྨͷإࣸਅͱɺΞϓ Ϧ͔ΒࡱӨͨ͠إࣸਅͷҰக ఆΛߦ͏ 4 3FLPHOJUJPO γεςϜϑϩʔ
"NB[PO3FLPHOJUJPO w ࣄલʹτϨʔχϯά͞ΕͨػցֶशϞσϧΛ༻ͯ͠ը૾ೝࣝಈը ੳ͕Ͱ͖ΔαʔϏε w ຊਓ֬ೝʹదͨ͠ػೳΛఏڙ͍ͯ͠Δ w إͷྨࣅੑஅإͷ׆ੑΛݕग़ࣗࡱΓࣸਅͷݕূূ໌ॻ ͷྨ
w "844%,GPS3VCZ7ͳͲϥΠϒϥϦ͕ఏڙ͞Ε͓ͯΓɺಋೖ͕؆୯
TJNJMBSJUZ "NB[PO3FLPHOJUJPO
"NB[PO3FLPHOJUJPOͷείΞʹΑΔఆ είΞϦϯά ৹ࠪ ࣗಈͰ࠶ਃґཔ ᮢ ͑ ᮢ ͑ қҊ݅
ߴқҊ݅ ˞ڈ·Ͱ :&4 :&4 /0 /0
#ΞϓϦ 4 "VSPSB 3FLPHOJUJPO ϋΠϦεΫϢʔβʔఆ ࢯ໊ɾੜ݄ɾੑผͷೖྗ ใΛݩʹɺ".-$'5%#ʹ র߹ͯ͠ϦεΫఆΛߦ͏ DPSFBQJ
BNMBQJ ຊਓ֬ೝใͷอଘ ϋΠϦεΫϢʔβʔ ͷݕࡧ ࣾձతྗ%# ཁҙਓ%# γεςϜϑϩʔ 424
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ཁҙਓ%# #ΞϓϦ 4 424 "VSPSB 3FLPHOJUJPO DPSFBQJ BNMBQJ ࣾձతྗ%#
ຊਓ֬ೝใͷอଘ ϋΠϦεΫϢʔβʔ ͷݕࡧ BENJOXFC ຊਓ֬ೝۀͷ࣮ࢪ ☑ ☑ ☑ ☑ $4͚ຊਓ֬ೝ৹ࠪը໘ $4֎෦ҕୗ
৹ࠪํ๏ w શͯͷਃΛࢹͰ֬ೝ͠ɺखಈͰ৹ࠪΛߦͳ͍ͬͯΔ w ਃ͔Β৹ࠪྃ·ͰdͷλΠϜϥά͕͋Δ w ৹ࠪ͢ΔͨΊͷը໘ࣗࣾͰߏங w 3FBDU"ENJOͱ͍͏ϑϩϯτͷϑϨʔϜϫʔΫΛ༻
৹ࠪը໘
৹ࠪը໘ 3FLPHOJUJPOͷ ࣮ߦ݁Ռ ϋΠϦεΫϢʔβʔ ͷݕࡧ݁Ռ
ຊਓ֬ೝۀͷମ੍
ຊਓ֬ೝۀΛߦ͏ମ੍ͱׂ୲ ਖ਼ࣾһ ໊ ελοϑ ໊ ֎෦ҕୗઌ ໊
ຊਓ֬ೝۀΛߦ͏ମ੍ͱׂ୲ ਖ਼ࣾһ ໊ ελοϑ ໊ ֎෦ҕୗઌ ໊ جຊతͳਃύλʔϯ ͕ଟ͍ͷ
ෆਖ਼ϦεΫ͕͍ͷ
ຊਓ֬ೝۀΛߦ͏ମ੍ͱׂ୲ ਖ਼ࣾһ ໊ ελοϑ ໊ ֎෦ҕୗઌ ໊ ͕গͳ͍ਃύλʔϯ ෆਖ਼ϦεΫ͕ߴ͍ͷ
֎෦ҕୗઌͷαϙʔτ جຊతͳਃύλʔϯ ͕ଟ͍ͷ ෆਖ਼ϦεΫ͕͍ͷ
ຊਓ֬ೝۀΛߦ͏ମ੍ͱׂ୲ ਖ਼ࣾһ ໊ ελοϑ ໊ ֎෦ҕୗઌ ໊ ॳग़ύλʔϯ ରԠ͕ෳࡶͳͷ
͕গͳ͍ਃύλʔϯ ෆਖ਼ϦεΫ͕ߴ͍ͷ ֎෦ҕୗઌͷαϙʔτ جຊతͳਃύλʔϯ ͕ଟ͍ͷ ෆਖ਼ϦεΫ͕͍ͷ
৹ࠪۀͷ༰
৹ࠪۀͷ༰
৹ࠪ࣌ͷνΣοΫϙΠϯτྫϩϘοτఆ w ਃ͞ΕͨॻྨͱҰக͍ͯ͠ Δ͔ʁ w ΞϓϦͷࡱӨҐஔͷࢦࣔ௨Γ ʹࡱӨ͞Ε͍ͯΔ͔ʁ
৹ࠪ࣌ͷνΣοΫϙΠϯτʹ͍ͭͯ w ๏ʹنఆ͞Ε͍ͯΔ༰͔Βɺ֬ೝ͕ٻΊΒΕΔ༰ Λચ͍ग़ͯ͠νΣοΫϙΠϯτͱͯ͠ઃఆ w ຊਓ֬ೝॻྨͷްΈͷ֬ೝͳͲɺ۩ମํ๏͕͔Βͳ͍ ෦ΨΠυϥΠϯΛࢀরͨ͠ΓɺίϯϓϥΠΞϯε෦ ʹ֬ೝͯ͠ઃఆ
ۀޮԽͷͨΊͷ։ൃ
ۀ͕ߦ͍͍͢Α͏ʹը໘σβΠϯԿ͔ϒϥογϡΞοϓ ॏཁͳใΛݟ͑ͨ͘͢Γ
ۀ͕ߦ͍͍͢Α͏ʹը໘σβΠϯԿ͔ϒϥογϡΞοϓ #FGPSF "GUFS ը૾ͷαΠζΛେ͖ͯ͘͠ࢹೝੑΛߴ ΊͨΓ
ӡ༻͚ػೳd୲ऀͷΞαΠϯd
ӡ༻͚ػೳd୲ऀͷΞαΠϯd ϦϦʔεͯ͠ϲ݄͘Β͍ʜ ը໘ͷҰ൪্͔ΒΔͶʂ $&0 Ϛʔέλʔ ࣗ࠷ޙͷϖʔδͷҰ൪Լ͔ΒΔʂ ࣗ ͡Ό͋ਅΜதΓ·͢ʂʢਅΜதͱʣ
ը໘ͷҰ൪্͔ΒΔͶʂ $&0 Ϛʔέλʔ ࣗ࠷ޙͷϖʔδͷҰ൪Լ͔ΒΔʂ ࣗ ͡Ό͋ਅΜதΓ·͢ʂʢਅΜதͱʣ ഁʂʂ ӡ༻͚ػೳd୲ऀͷΞαΠϯd ϦϦʔεͯ͠ϲ݄͘Β͍ʜ
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ຊਓ֬ೝͷ͜Ε͔Β
Smart, Secure, Mobile Super powered Banking and Living. ຊਓ֬ೝʹ·ͭΘΔੈͷதͷτϐοΫ
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