
ãã£ãã¡ãªäººã®ããã®TLDR-ååãšããŠãããªãã¯èšäºãéããããšãã§ããŸã
ãã®ããããã·ã¢ã§ãªã³ã©ã€ã³ååŸãµãŒãã¹ãæäŸããå€æ°ã®éè¡ããã³æ±ºæžã·ã¹ãã ãšã®äœæ/管ç/亀æžã«åå ããŸããã ããã¯ãå®å šã«ç°ãªããããã€ããŒã䜿çšããå€æ°ã®ãããããžã§ã¯ãã§çºçããŸããããããã¯ãã€ã³ãã§ã¯ãããŸããã
ç§ã¯ãã®åéã§ãã£ãšä»äºãããŠããŸããããªã³ã©ã€ã³æ¯æãã®3ã€ã®åŽé¢ãå ±æããããšæããŸãïŒiïŒ2016-2017幎ã®ããžãã¹ãšåžå Žã®ç¶æ³ïŒãããŒãžã£ãŒã®ã¬ã€ãïŒiiïŒæè¡çµ±åã®è©³çŽ°ïŒCTOïŒiiiïŒé¡§å®¢ã®è¡å/èšèš/ã¬ã€ã¢ãŠãæ¯æãããŒãžïŒãã¶ã€ã³ãã¬ã€ã¢ãŠãããã¹ãïŒã
ãã®ãã¹ãŠã®çµéšã¯ããã«ã¯åŸãããŸããã§ãã-ãã®åéã§ã®çŽ1.5-2幎ã®ã¢ã¯ãã£ããªãããã³ã°ã§ã ããžãã¹ãšã¯ã¹ããªãšã³ã¹ã«èå³ã¯ãªããããã¶ã€ã³çŽ æã«ã®ã¿èå³ãããå Žåã¯ãæåã®ãã¿ãã¬ãã¹ãããããŠãã ãã ã
äž»ãªã»ã¯ã·ã§ã³ã®ãªã¹ã
ãã¿ãã¬èŠåºã
- è²·åè ãšããŒã±ãã£ã³ã°è³æã®ãèªã¿æ¹ãã®éãã¯äœã§ããã
- æ¯æãããŒãž+ãã®é åã§ã®åãçµã¿ã®ãã°ãšããããã£ã³ã³ã課ããšãããŸãã人ã ã®è¡åç¹æ§ãèæ ®ããå¿ èŠããããŸãã
- ãã®éãã£ãšã³ã³ããŒãžã§ã³ãå¢ãããŠã¬ãŒããäžããããšã«æåããçã®é¢å¿ã瀺ããŸããã
- éè¡ããã³æ±ºæžãœãªã¥ãŒã·ã§ã³ãšã®äº€æžã®ç¹åŸŽãããã³ãã£ãŒãžããã¯ã«æã¡åã€æ¹æ³ã
- æè¡çµ±åã®ç¹åŸŽããã©ã¹ãšãã€ãã¹ãç§ãã¡ã®çµéšãšè©°ã蟌ãŸãããã³ã;
- äž»ãªç¥è©±ãŸãã¯åã«ABãã¹ãã®çµæã1ãæã§åéããŸããã
- ãã®åéã§ã®è©æ¬ºåž«ã«ã€ããŠã®äžèšã
è²·åè ãšããŒã±ãã£ã³ã°è³æã®ãèªã¿æ¹ãã®éãã¯äœã§ãã
ãã¿ãã¬èŠåºã
ååŸã¯ãäžæ¹ã§ãIPAãå人å£åº§ãéè¡ãŸãã¯åŠçãæäŸãããµãŒãã¹ãšã®çµ±åãå¿
èŠãªæè¡çã«è€éãªããžãã¹ã§ãïŒãã®åéã®ããªã¥ãŒãã§ãŒã³å
šäœãå®å
šã«ã¯ç解ããŠããŸãããããã®éè¡ã®ããã«èŠããŸã-VISA / MASTERCARD-processing-ãªã³ã©ã€ã³ã€ã³ã©ã€ãŒãŒã·ã§ã³ãµãŒãã¹ ãããã³éè¡ïŒSberbankãªã©ïŒãç¬èªã®ãœãããŠã§ã¢ãŸãã¯ãã¯ã€ãã©ãã«ãœãããŠã§ã¢ã䜿çšããŠãã§ãŒã³å
šäœãé£ã¹ãããšãããçµã¿åããããå¯èœã§ãã
æéã§ïŒ
ãŸãããµãŒãã¹ãã€ã³ãã°ã¬ãŒã¿ãŒã§ããå Žåããã§ãŒã³ã®è€éãã¯å¯èœã§ãã ã·ã¹ãã ã¯ãããã¢å¯Ÿå€ã«ãªããŸãïŒã äžæ¹ãããã¯ã 転éãããåã«ãŒãã«ã«å¯ŸããŠéåžžã«é«ãè©æ¬ºãšè²¬ä»»ãããããžãã¹ã§ãã å®éã®æçµã³ããã·ã§ã³ãæ倧0.1-0.5ïŒ çšåºŠã§ããã売äžé«ãæ°çŸäžã«ãŒãã«ã§æž¬å®ãããŠããå Žåã1件ã®ååŒã®æ倱ãŸãã¯æè°ã¯åçã®å€§ããªæ倱ã§ãã ãã®ãããéè¡/ãµãŒãã¹ïŒåžå Žã·ã§ã¢ã倱ã£ããµãŒãã¹-ååã¯ä»ããŸããïŒã¯ãåžžã«å人ïŒã·ã¹ãã ãŠãŒã¶ãŒãã¹ãã¢ïŒã®ãã©ã³ã¶ã¯ã·ã§ã³ã®æè°ãäžåãããã«åªããŸãã
ããžãã¹ã«é¢ãããã¹ãŠã®ã»ã¯ã·ã§ã³ã¯ãããŒãžã³ã10ïŒ ã倧ããäžåã£ãŠãã人ã«ã®ã¿èªãã§ãã ããããã®ãããªç¶æ³ã§ã¯ã4ïŒ ãš2ïŒ ã®éãã¯éåžžã«é¡èã§ãã
ãŸããéè¡ã·ã¹ãã ãéé¢ãããŠããããããã·ã¢åžå Žã¯äžçããéåžžã«éé¢ãããŠããããšã«æ³šæããŠãã ããã ãã®ãããã¯ããã«é«åºŠãªãµãŒãã¹ããããèªç±åºŠãé«ããç¬å ãå°ãªããªã£ãŠããŸãã ã«åããŠã éšåçã«ã¯ãããã¯å·šå€§ãªçŸéåžå Žã®çµæã§ããã2014-2015幎ã«ããããåæžããå§ããŸããã ãã£ãã·ã³ã°ãç²åŸãé»åãããŒã®æ¥ç¶æ¹æ³-ãããã¯ãã¹ãŠä»£æ¿ã®æ¯æãæ¹æ³ã§ãã ç§ãã¢ããªã«ã®mPesaã«ã€ããŠèªãã ãšãã2000幎代åã°ã®ãã·ã¢ã§ã®é»åãããŒã®ããŒã ãããã«æãæµ®ãã³ãŸãã
æéã§ïŒ
- ãã¹ã¯ã©ã€ã¢ã³ãã«çŠç¹ãåœãŠãã¢ã°ãªã²ãŒã¿ãŒãµãŒãã¹ã¯ ãéåžž3ã4ïŒ ã®å²åã§æäŸãããŸãã
- éè¡ã®è²·åã¯éåžžãè³ãã«ãã£ãŠãã¬ãŒã§ããŸãã å éšäŸ¡æ Œã«åœ±é¿ãäžããå¯èœæ§ããããŸãã ããšãã°ã売äžé«ãæãããæ°çŸäžãŸãã¯æ°åäžã«ãŒãã«ã®å Žåã2-2.5ïŒ ã®ã¬ãŒããè«æ±ã§ããŸãã
- 売äžé«ã1ãæããã1 åã«ãŒãã«ã«è¿ãå Žåãéè¡ãéããŠæ¢ã«1.5ã2ïŒ ã®ã¬ãŒãã«ã€ããŠè©±ãããšãã§ããŸãã
- éè¡ãšVISAããã³MasterCardã«ãããšãèªç©ºåžã販売ããŠããªãããäœãªã¹ã¯ã«ããŽãªã«å±ããŠããªãå Žåã®æäœæé㯠ãçŽ1.5ïŒ ã§ãã
- ãªã¹ã¯ã®äœãã«ããŽãªãäœããé«ãé¢è·çã§1.1ïŒ ã«è¿ã¥ãããšãã§ããŸãã äžè¬ã«ããã¹ãŠã®ããžã¿ã«ãµãŒãã¹ãããã«å«ãŸããŠããããã§ã¯ãããŸãã ã
- ããã§ã売äžé«ãæ¡éãã«é«ãå Žåã¯ãããããPCI DSSèªå®ãååŸããŠãã客æ§ã®åŽã§æ¯æããåãå ¥ããå¿ èŠããããŸãããããã«ã€ããŠã¯åŸã§è©³ãã説æããŸãã
- æåã®Xã¿ãŒã³ãªãŒããŒãŸãã¯æéã«åªéã¬ãŒããæäŸãããå Žåãããã¯ããããæ©èœãããäžéšã®ãµãŒãã¹ã¯åã«ãã€ã®ã·ã§ã¢ãå€æŽããããšããŠããŸãã ããŸããããŸãã ãã®ãããªçµ±åãããžã§ã¯ãã¯é·ãã²ãŒã ã§ãããããã«ãååãšããŠäœãå§ãŸããŸããã
ãŸãããµãŒãã¹ãã€ã³ãã°ã¬ãŒã¿ãŒã§ããå Žåããã§ãŒã³ã®è€éãã¯å¯èœã§ãã ã·ã¹ãã ã¯ãããã¢å¯Ÿå€ã«ãªããŸãïŒã äžæ¹ãããã¯ã 転éãããåã«ãŒãã«ã«å¯ŸããŠéåžžã«é«ãè©æ¬ºãšè²¬ä»»ãããããžãã¹ã§ãã å®éã®æçµã³ããã·ã§ã³ãæ倧0.1-0.5ïŒ çšåºŠã§ããã売äžé«ãæ°çŸäžã«ãŒãã«ã§æž¬å®ãããŠããå Žåã1件ã®ååŒã®æ倱ãŸãã¯æè°ã¯åçã®å€§ããªæ倱ã§ãã ãã®ãããéè¡/ãµãŒãã¹ïŒåžå Žã·ã§ã¢ã倱ã£ããµãŒãã¹-ååã¯ä»ããŸããïŒã¯ãåžžã«å人ïŒã·ã¹ãã ãŠãŒã¶ãŒãã¹ãã¢ïŒã®ãã©ã³ã¶ã¯ã·ã§ã³ã®æè°ãäžåãããã«åªããŸãã
ããžãã¹ã«é¢ãããã¹ãŠã®ã»ã¯ã·ã§ã³ã¯ãããŒãžã³ã10ïŒ ã倧ããäžåã£ãŠãã人ã«ã®ã¿èªãã§ãã ããããã®ãããªç¶æ³ã§ã¯ã4ïŒ ãš2ïŒ ã®éãã¯éåžžã«é¡èã§ãã
ãŸããéè¡ã·ã¹ãã ãéé¢ãããŠããããããã·ã¢åžå Žã¯äžçããéåžžã«éé¢ãããŠããããšã«æ³šæããŠãã ããã ãã®ãããã¯ããã«é«åºŠãªãµãŒãã¹ããããèªç±åºŠãé«ããç¬å ãå°ãªããªã£ãŠããŸãã ã«åããŠã éšåçã«ã¯ãããã¯å·šå€§ãªçŸéåžå Žã®çµæã§ããã2014-2015幎ã«ããããåæžããå§ããŸããã ãã£ãã·ã³ã°ãç²åŸãé»åãããŒã®æ¥ç¶æ¹æ³-ãããã¯ãã¹ãŠä»£æ¿ã®æ¯æãæ¹æ³ã§ãã ç§ãã¢ããªã«ã®mPesaã«ã€ããŠèªãã ãšãã2000幎代åã°ã®ãã·ã¢ã§ã®é»åãããŒã®ããŒã ãããã«æãæµ®ãã³ãŸãã
æ¯æããµãŒãã¹ã®äž»ãªã¯ã©ã¹ã¿ãŒ
ãã¿ãã¬èŠåºã
- éåžžãRBSã·ã¹ãã ã§å®è¡ãããŠããã©ãã«ä»ãéè¡ãµãŒãã¹ ã ãããã¯ãç·©ãããªå€æŽãäœæéãRBSãã¯ãã«ã«ãµããŒãã®å©çšå¯èœæ§ãããã³éåžžã«åºæ¬çãªåºæ¬ãµãŒãã¹ïŒãã£ã³ãã£ãäœãããã«åé¯ããå¿ èŠããããŸãïŒã«ãã£ãŠåºå¥ãããŸãã ããã¥ã¡ã³ãã¯èªã¿ãããã§ãããã³ã³ãããã¢ã ã§ãã ã«ãŒãã®ã¿ãåãå ¥ããããŸãã ååãšããŠããã®ãããªçµã¿åããã§æ°ãããã®ãå°å ¥ããããšããæ°ããè©Šã¿ã¯å€±æããŸãã ãŸãããµãŒãã¹ãšãµãŒãã¹ãæ åœããéè¡ã®æ¯åºã¯ãæè°ã§éè¡ãšé£çµ¡ãåãããšãæå³ããŸãã
- ãŠããã©ãŒ ã å¥ã®ãµãŒãã¹ã¯ã¢ã°ãªã²ãŒã¿ãŒãäžçšåºŠã®ã¬ãŒããæäŸããŸãã RBSã®ããé«åºŠãªããŒãžã§ã³+å€ãã®æè¡çæ©èœ+ã¢ã°ãªã²ãŒã¿ãŒãšããŠã®å°äœã å®éã«ã¯ãææ°æè¡ãã3ã5幎åã®ã«ã¹ã¿ãã€ãºãªãã·ã§ã³ãæäŸããŸãïŒå·çæç¹ã§ã¯æ¢ã«å€ããªã£ãŠããŸãïŒã ãŸãããããã女ã®åã¯ãããŒãžã£ãŒãšããŠåããŠããŸãïŒãã©ã¹ãšãã©ã¹ã§ã¯ãªãïŒ;
- æè³å®¶ã®ãéã掻çšããæ°ãããµãŒãã¹ãŸãã¯ã¢ã°ãªã²ãŒã¿ãŒã ã¯ãŒã«ãªAPIãšããã¥ã¡ã³ããŒã·ã§ã³ãé«ãã¬ãŒãããããŠãŒãã¯ãææ¥ãéãæ¥ãããšãä¿èšŒããŸãã ç§ã¯å©èšããŸããã
- Yandex.Kassa ïŒ Yandex.SneybankãšYandex.Moneyã®ãµãŒãã¹ïŒãYandexã¯Sberbankã«å£²åŽããããã§ããããã©ã³ãã¯æ®ã£ãŠããŸãïŒã éåžžã«é©åãªäººãå質管çè ïŒå¥åŠãªããšã«ïŒã ãããã®ååšã¯ãç§ãã¢ã€ãã 3ã®äœ¿çšãæšå¥šããªãçç±ã§ããã¹ããŒã¯ã¯é©åºŠã«é«ããããªã¥ãŒã ã倧ããå Žåã¯å°ãå€åŒãã§ããŸãããå£æ°ãå€ããããã¬ãŒãã2ïŒ ãäžåãå¯èœæ§ã¯ã»ãšãã©ãããŸããã Yandexã«ã¯å§åŠ¹ãµãŒãã¹ããããŸã-Yandexã®ãéãèšå€§ãªå¯ä»ã®éãŸããªã©ã ãã¹ãŠãé²åããŠãããããã¥ã¡ã³ããèªã¿ããããªã£ãŠããŸãã
- ããã«ããµã¯ãYandexã®ãéã1幎éïŒ2016幎ïŒãã®ããããå®å šã«å æããåã®äºå®äžã®ãªãŒããŒã§ããã å ¬ç-éè¡ãšã®èª€è§£ããã³KYCæç¶ãã«é¢ããè²æ©ã®ããã å®éã«ã¯ã2015幎ãã2016幎ã«ã圌ãã¯ãã¹ãŠã®çœ°éãå人ã«ç§»ãæ¹éãéå§ããŸããã ãŸãã顧客ããããŒã¿ãåéããããã®ç解ã§ããªãéå¿ããããŸãã ãã®ãããããããæäœããããšã¯ãå§ãããŸããã
- Paypal-é«ãã¬ãŒãã圌ãã¯åžå Žã«åå ¥ããããéåžžã«æ代é ãã®IPAãã¯ã©ã€ã¢ã³ããªã©ã®ããã«ããããã®ãã£ãŒã«ãã«èšå ¥ããå¿ èŠãããããªã©ã ããããšå ±åããŒã±ãã£ã³ã°ãè¡ãããããã¯ã¢ããååŸããã³/ãŸãã¯åœéçãªãœãªã¥ãŒã·ã§ã³ãšããŠãããã䜿çšããããšããå§ãããŸãã äž»ãªæ¹æ³ãšããŠã¯ããããªãã
- ä»ã®ãã¹ãŠã®å€ããå°ãªãã倧èŠæš¡ãªãµãŒãã¹ã¯ ãç§ã«ã¯æãããããã«ãã·ã§ã¢ãæ¥æ¿ã«å€±ãããäžèšã®ãã®ãããçºå±ããŠããªãããæ¬åœã®å©ç¹ã¯ãããŸããã
- éè¡ãRBSãããã³ãŠããã©ãŒã«ã¯ãæµ·å€ããã®æ¯æããèšå®ãããªãã·ã§ã³ããããŸãããéåžžã¯åçãæ倧åããã®ã§ã¯ãªãã ãªã¹ã¯ãæå°åããããšã«çŠç¹ãåãããŠããŸãã
æ¯æãããŒãžã課ããšãããŸã人ã ã®ã©ã®è¡åç¹æ§ãèæ ®ããå¿ èŠããããŸããïŒ åªåã®èšé²
ã»ãŒãã¹ãŠã®äººå£ããã§ã«ïŒ!!!ïŒäœãç解ããŠããªãïŒ!!!ïŒå æ°ã§æ éãªçãç©ã§ãã人ïŒç¹ã«ãªã³ã©ã€ã³ïŒïŒäººã¯ããªãã«ãéãé ããããã«ãªããŸããïŒã ãããã£ãŠã圌ã®è¡åã®ã¡ã³ã¿ã«ã¢ãã«ãæ§ç¯ããå Žåã¯ã次ã®ååã«åŸã£ãŠãã ããã
- æ¯æãããŒãžãŸãã¯æ³šæãã©ãŒã ã§äžè¬çãªãŠãŒã¶ãŒã«æ確ã§ã¯ãªãããšãèããŠãã ããã
- ããªããåããŠã€ã³ã¿ãŒãããã䜿çšããããªãã®ãµãŒãã¹ã䜿ããããšæã£ãŠããã»ãŒã«ã¹ãŠãŒãã³ã ãšæ³åããŠãã ããã
- åãã¿ã³ã¯ããã»ã©è«ççã§ãæ©èœããŠããããã§ããããŸãã-å€æã®50ïŒ ãåŒãããã®ã§ãã
- äœããã®ã¿ã€ãã®ããã€ã¹ãšããŠæ©èœããªãããªãŒãºãŸãã¯JSã¯ããã®ã¿ã€ãã®ããã€ã¹ã§ã®å€æã®ãã€ãã¹50ïŒ ã100ïŒ ã§ãã
- 泚æãã©ãŒã ããå¥ã®ããŒãžãžã®éèªå移è¡-ã³ã³ããŒãžã§ã³ã®90ïŒ ãå·®ãåŒãããã®ã
- ãŠãŒã¶ãŒã¯ãHTTPSã䜿çšãããå¹³åããŠå šäººå£ã«å¯Ÿããä¿¡é ŒåºŠãäœããµã€ãã§ã®ã«ãŒãããŒã¿ã®å ¥åããããéè¡ã®ãŠã§ããµã€ããžã®ç§»è¡ãä¿¡é ŒããŠããŸãã ããã¯ãããªãã®ããžãã¹ãçœããµããµãããŠãããã人å£ã®1-5ïŒ æªæºãããã«ã€ããŠç¥ã£ãŠããå Žåã人ã ã¯ïŒãã¡ãããçµ±èšçã«ïŒããªãã®åŽã«ããŒã¿ãå ¥åããããªãããšãæå³ããŸãã
- ãã¹ãŠã®ããã€ã¹ã®å©äŸ¿æ§ãé©å¿æ§ãèªã¿ãããã䟿å©ãªåœ¢åŒã§ãããããã¿ã€ãã®ããã€ã¹ãåãã圢ã§æ£ããå ¥åããŸããïŒããŸãé¢åãªå Žåã¯ããããã®è©³çŽ°ãåŸã»ã©ãã€ã³ã5ã§èª¬æããŸãïŒã
- ãµã€ãïŒã¢ããªã±ãŒã·ã§ã³ïŒããæ¯æãããŒãžãžã®æ£ç¢ºã§çŸãããããŒãã»ãŒåæ§ã®ãã¶ã€ã³ãèŠèŠçãªãŽãã®æ¬ åŠ;
- ãæ©æŠããæžãããšããååã«åŸããŸã-ç°¡åã«èšãã°-ã¯ã©ã€ã¢ã³ããåããå¿ èŠã®ããhemoãå°ãªãã»ã©-ããè¯ãïŒè©³çŽ°ã¯ã»ã¯ã·ã§ã³5ã«ããããŸãïŒ;
- ç§å¯è£ã«ãå°æ¥ãèŠæ®ããŠã æ¯æãã®ããã«ã«ãŒãã®ææè ã®ãã£ãŒã«ãã¯å¿ èŠãããŸãã ã
ãããã®ååã¯ããªããã©ã€ã«èãããŸãããå®éã®æ¯æãããŒãžã®äŸãã説æãããŠãã ããã å¿ èŠãªå Žåã¯ãããã§ïŒ
- ã¢ãã¯ã¢ãããšãã¹ããã°ïŒãããªïŒã䜿çšããŠãGoogleãã£ã¹ã¯äžã®ãã©ã«ããŒã«ãªã³ã¯ããŸã ã
- 以äžã«èª¬æããHTMLã®ãã¹ãŠã®æ¯æãããŒãžã䜿çšããŠãGoogleãã£ã¹ã¯äžã®ã¢ãŒã«ã€ãã«ãªã³ã¯ããŸãïŒåã¢ã¯ã¯ã€ã¢ã©ãŒã®ã¹ã¯ãªããã®èšå®ã«ã¯åé¡ããããŸããããã¹ãŠããã©ãŠã¶ãŒãŸãã¯æãåçŽãªWebãµãŒããŒã§éãå¿ èŠããããŸãïŒã
æåã«ãã¯ã©ã€ã¢ã³ãã¯ãã®ãããªæçŽãåãåããŸããã æåãéããŠé ä¿¡ããéã®åé¡ãã³ã³ããŒãžã§ã³ã«éåžžã«æªåœ±é¿ãåãŒãããšæšæž¬ããã®ã¯ç°¡åã§ã
åç

æçŽã¯åŽæ°Žã§ããªã圢ã«ã€ãªãã£ãã ããã¯å·šå€§ã§ãé©å¿æ§ããªããiãã¬ãŒã ãªã©ã«åã蟌ãããšã¯ã§ããŸããã ãç解ã®ãšãããã¹ããã¯ãã©ãŒã ã¯Alpha Bankããã®ãã®ã§ãã 圌女ã¯ã²ã©ãã§ãã
åç

ãããŠã次ã®è²·åè ã®æ¬¡ã®æšæºåœ¢åŒã®ããã«èŠããŸãã å ç¢ã§ã·ã³ãã«ã§ãããé©å¿æ§ããªããã¢ãã€ã«ããã€ã¹ã§ã¯ã²ã©ãèŠããŸãã
åç

äžé£ã®åªåã®åŸããã©ãŒã ã¯æ¬¡ã®ããã«ãªãå§ããŸããã ãã¡ãããã¢ã¯ã¯ã€ã¢ã©ãŒããã©ãŒã ã§éã¶ããšãã§ãããã®ã«å€æŽããŸããã ãã©ãŒã ã«ã¯ããããã®ãŽãããããããã«å ããŠãã³ãŒã«ã»ã³ã¿ãŒãšåŒã°ããæ°äººã®é¡§å®¢ãããŸããSberbankã¯ç§ãã¡ã§ã¯ãªãæ¯æããåãå ¥ããŠãããšèããŠããŸãã ããŠãããªãã¯ãã€ã³ããåŸãã
åç

éå»ã®ãã©ãŒã ã®ãããã«æ²æšãªããªãšãŒã·ã§ã³ã ããã§ãããäŒããããšã¯ã§ããŸãããããã£ãŒã«ããå ¥åããããããããã«å€ãã®äœæ¥ãè¡ããããã«ãŒãœã«ãåã³ã¹ãããããªããããã«ãªãããã£ãŒã«ãããã¹ãŠã®ã¿ã€ãã®ããã€ã¹ã§æ£ãã䟿å©ã«è¡šç€ºãããããã«ãªããŸããã ãã®ããããã¹ãŠã®ã¿ã€ãã®ããã€ã¹ã§å ¥åãã©ãŒã ããã€ãã£ãã«è¡šç€ºãããŸãã
åç

éå»ã®ãã©ãŒã ã®é©å¿è¡šç€ºã ãŸã 倧éã®èŠèŠçãªãŽããããããšã«æ³šæããŠãã ããã
åç

ãã©ãŒã ã®æ¬¡ã®ç¹°ãè¿ã-ãèŠèŠçãªãŽãããäžèŠãªåèªãäŒç€Ÿã®ã¹ã¿ã€ã«ã®ãã¬ããã¯ãããªãããšã«æ³šæããŠãã ããã å°ãªãã»ã©å€ãã
åç

åœç¶ããã®å埩ãã¢ãã€ã«ã§é©å¿æ§ããããŸãã ãŸãããã©ãŒã ã«é¢ããå€ãã®äœæ¥ã
åç

ãããããã©ãŒã ã®æçµããŒãžã§ã³ã®å€èŠ³ã§ãã
åç

åœç¶ãå®å šã«ã¢ãã€ã«ã§é©å¿æ§ããããŸãã
åç

åããã©ãŒã ã§ãããå¥ã®ã¢ã¯ã¯ã€ã¢ã©ãŒïŒã©ãã ãã®çã¿ãããããïŒããã³ããããä¿åãããªãã·ã§ã³ããããŸãã
åç

ã¢ãã€ã«ã¢ããªã±ãŒã·ã§ã³ã®äºç®ãããŸããªã人ã®ããã®éèŠãªæ å ±
- æ¯æããã©ãŒã ãã¢ãããã£ãã§ãã¬ãŒã ããŒã¹ã®å Žåãã¢ãã€ã«ã¢ããªã±ãŒã·ã§ã³ã®Webãã¥ãŒã§éãããšãã§ããŸãã
- ããã«ããã3DSã§ãéãç¯çŽã§ããé»è©±ããã¢ããªã±ãŒã·ã§ã³ãããã©ãŠã¶ãžã®ãªã³ã¯ããã©ãå¿ èŠããªãããã«èŠããŸãã
æè¡ççµ±åãé·æãšçæãç§ãã¡ã®çµéšãšè±å¯ãªãã³ãã®ç¹åŸŽ
PCI-DSSèªå®ãååŸããªãå ŽåïŒããã«ã¯å€é¡ã®è²»çšããããå¯èœæ§ããããŸãïŒãæ¯æãæ¹æ³ãéè¡ãŸãã¯æ¯æããµãŒãã¹ ïŒãã®ãã¡ã€ã³ïŒ ã®åŽã§éãããå¯èœæ§ãé«ããªããŸãã é©çšããã芳ç¹ããããã¯äœãæå³ããŸããïŒ
- éåžžã«æ²ããã±ãŒã¹ã§ã¯ããµã€ãã®ããã³ããšã³ãã®åäœã«åœ±é¿ãäžããæè¡çãªèœåããªãããåäžã®è£œåã販売ããŠããå Žåãæ¯æããã©ãŒã ã¯ã¡ãŒã«ã®ãªã³ã¯ã®åœ¢ã«ãªããŸãã ãªã³ã¯ãã¯ãªãã¯ãããšãéè¡/æ¯æããµãŒãã¹ã®ããŒãžã«ç§»åããŸãã ã¡ãŒã«ã®ãªãŒãã³æ§/æ倱ã«é¡§å®¢ã®äžæ³šæïŒã¯ã©ã€ã¢ã³ãã2ã€ã®ãªã³ã¯ãåãåã£ãå ŽåïŒãšãäžæ£ãªæããããã³ç§»è¡ãåžžã«æ©èœããªããšããäºå®ã«é¢é£ããç¬éãæãããšããã®ãããªãœãªã¥ãŒã·ã§ã³ã®æ¯æãå€æã¯50ïŒ ã«ãªããŸãã æ¬åœã«äœããè³Œå ¥ããã人ã¯ããäžåºŠããçŽãããšã¯æããã§ãããããã¯ééã£ãŠããŸãã
- ããé«åºŠãªã±ãŒã¹ã§ã¯ãæ¯æãã¯ãŠã§ãäžã®ãªãã€ã¬ã¯ããšããŠæ©èœããæ¯æãããŒãžã®æšªã«ã«ãŠã³ã¿ãŒãCookieããŸãã¯JSã¹ã¯ãªããã眮ãããšãã§ããŸããã
- éè¡åŽã§ã¯ãé«åºŠãªJSã¹ã¯ãªãããšã¡ãã£ã¢ãªã¯ãšã¹ããã©ã®ããã«æ£ããçŠæ¢ã§ããŸãã ãã¹ãŠãHTMLãšCSSã§ã®ã¿è§£æ±ºããå¿ èŠããããŸãã
- ã«ã¹ã¿ã æ¯æãããŒãžãäœæãããããæ¯æããµãŒãã¹ãšèª¿æŽããããšãããšã次ã®ããã«ãªããŸãã
- ã»ãšãã©ã®å Žåãã¯ã©ã€ã¢ã³ãã®æ€èšŒã¹ã¯ãªããã«å¶éããããŸãïŒ Formula Moon ïŒã
- HTMLå ¥åã®èŠèŠã³ã³ããŒãã³ãã®å¶éã
- æºåž¯é»è©±ã§ãã£ãŒã«ãããããã«è¡šç€ºããããã«å¿ èŠãªæ°ããHTMLã¿ã°ãæ¬åœã«å¿ èŠã§ããããšãéè¡ã«èšŒæããå¿ èŠããããŸãã
- éè¡åŽã§ã®ã¯ã©ã€ã¢ã³ãã®è¡åã«ã€ããŠååŸã§ããå¯äžã®æ å ±ã¯ãæ¯æããµãŒãã¹/éè¡APIã®å¿çã§ãã
- Sberbankã¯å®æçã«ã«ãŒãã®çºè¡ãåæ¢ãããªã³ã©ã€ã³ããã³ãªãã©ã€ã³ã§ã®æ¯æããåæ¢ããŸãã ããã¯å¹³åããŠæã«1åçºçããŸãã
- ã¢ãã€ã«ã®ããã³ãã§ã¯ãäž»èŠãªçš®é¡ã®ããã€ã¹ïŒiPhoneãAndroidïŒã§ã®ããŒãžã®åäœãšè¡šç€ºæ¹æ³ã«çŽ°å¿ã®æ³šæãæãå¿ èŠããããŸãã
- å°ãªããšããäŒç€Ÿã®é¡§å®¢ã«äººæ°ã®ãããã¹ãŠã®çš®é¡ã®ããã€ã¹ã§ããŒãžã1åãã¹ãããå¿ èŠããããŸãã
- i-frameãŸãã¯web-viewã§ããŒãžãéãã®ã«ååé²ãã§ããå Žåãå€æãå³å¯ã«ç£èŠãããšãiframeã®å°å ¥ããæé·ã䌞ã³ãªãå ŽåããããŸãã
- ååŸãµãŒãã¹ãå¿ èŠãšãããã£ãŒã«ãã®ãªã¹ãã泚ææ·±ãèªãã§ãã ãããã«ãŒãæ¯æãã®ã¿ãè¡ãå¿ èŠããããŸãïŒä»ã®ãã¹ãŠãŸãã¯ã¬ã¬ã·ãŒããŸãã¯é¡§å®¢ã«é¢ããæ å ±ãåéããïŒã
- æ¬åœã«å¿ èŠ-ã«ãŒãçªå·ïŒå·çæç¹ã§ã¯ãèšäºã¯ãã§ã«å€æŽãããŠããå¯èœæ§ããããŸãããæ°ããã«ãŒãã®å°å ¥ã«ããããã£ãŒã«ãã¯4 + 4 + 4 + 4-7æåã§ãã-éè¡ã¯ãã®ãããªå€æŽãããŸãããéç¥ããŸããïŒ;
- æ¬åœã«å¿ èŠ-æå¹æéïŒããã¥ã¡ã³ãã泚ææ·±ãåç §ããŠãã ãããã¯ã©ã€ã¢ã³ãã«ãšã£ãŠã§ããã ãã·ã³ãã«ã«æ§æããå¿ èŠããããŸãïŒ;
- æ¬åœã«å¿ èŠ-ã»ãã¥ãªãã£ã³ãŒãïŒCVV / CVC 3ã5æåïŒ;
- æå¹ã«ãªã£ãŠããå Žåãæ¯æããµãŒãã¹èªäœããã¬ãŒã ãéãã3DSã®ããŒãžã«ãªãã€ã¬ã¯ãããŸãã
3DSã·ã£ããããŠã³
äžè¬çã«æšå¥šãããªãçç±ïŒ
ãã¿ãã¬èŠåºã
- éè¡/ãµãŒãã¹ã¯ããªãã«è²¬ä»»ã移ããŸã;
- ã€ã³ã¿ãŒãããã«ã¯é«ã¬ãã«ã®è©æ¬ºããããŸãã
- ãããã«ããã£ãŒãžããã¯ãè¡ãè©æ¬ºåž«ãšé¡§å®¢ã®ååš-圌ãã¯ååŒã«æè°ããããã«ããªããšéè¡ã®äž¡æ¹ã«é ŒããŸãã
- ãã·ã¢ã®çºè¡è ã«ãã£ãŠçºè¡ãããã«ãŒãã®çš®é¡ã«ãã£ãŠã¯ãååãšããŠã3DSããªããã°ã€ã³ã¿ãŒãããã§æ¯æãããšã¯ã§ããŸããã ç¹ã«ãSberbankã«ãŒãã®å Žåã ããã¯ãç¡å¹ã«ãããšãããã©ã«ãã§ãã©ã³ã¶ã¯ã·ã§ã³ãæåŠãããããšãæå³ããŸãã
ãã©ãŒã ã®ããã§ãŒããæéã®è¿œè·¡ã«é¢é£ããããã1ã€ã®éåžžã«åŸ®åŠã§éèŠãªãã€ã³ãããããŸãã
ãã¿ãã¬èŠåºã
- æ¯æããµãŒãã¹ã®ã»ãšãã©ã¯ãæ¯æãã®ããã«20åã®ã¿ã€ã ã¢ãŠããããïŒAPIãèŠæ±ãããšãã«èšå®ãããŸãïŒãããã¯éå§ãããŸã...éè¡/ãµãŒãã¹ã®åŽãžã®ç§»è¡ã®ç¬éã«ãAPIãµãŒãã¹ã«èŠæ±ãéä¿¡ããç¬éã§ã¯ãããŸãã;
- 補åãŸãã¯ãµãŒãã¹ã®ããããæå¹æéãããå Žåã¯ã5åãã1æ¥ã§ãïŒèª°ããäºçŽæéãšåŒã³ãŸãïŒã
- å®éã«ã¯ãããã¯æã«å°ãªããšã1000件ã®æ³šæãããå Žåãããã³/ãŸãã¯é»åã¡ãŒã«ã«éè€ãªã³ã¯ãéä¿¡ããå Žåã次ã®ããããã®ã¯ã©ã€ã¢ã³ãã確å®ã«èŠã€ããããšãæå³ããŸãã
- æå¹æéãåããåŸã«æ¯æããŸãã
- 2åç®ã®è©Šè¡ã§æ¯æããè©Šã¿ãŸãã
- ãã®ãããªãã¹ãŠã®ã±ãŒã¹-å®éã«ã¯ãããã¯ããªãã®é¡§å®¢ãµããŒããµãŒãã¹ã®ããã®isã§ãïŒããããã«ãªããã°ãå人çã«ïŒ;
- ãã®åé¡ã®æ¬åœã®è§£æ±ºçã¯ããŠããã©ãŒã§ã®ã¿èŠãŸããã ãã¡ããããã£ãšç°¡åãªè§£æ±ºçããããŸã-çŽ20åã§ã·ã¹ãã ã«æå¹æéãèšå®ããŸããã泚æããªãã©ã€ã³ã«ã§ããå Žåã¯äžå¯èœãªå ŽåããããŸãã
tinkoff bankã®ã»ãŒå®ç§ãªUXã®äŸã ããã§CVVã³ãŒãã®ããã©ã ããå¿ èŠãªçç±ïŒãããæ¿æããïŒãå®å šã«ã¯ç解ããŠããŸãã-ãããããã®ãããªè©æ¬ºããä¿è·ããããã§ãã

念ã®ããããªã³ã¯ãå床æäŸããŸãã
- ã¢ãã¯ã¢ãããšãã¹ããã°ïŒãããªïŒã䜿çšããŠãGoogleãã£ã¹ã¯äžã®ãã©ã«ããŒã«ãªã³ã¯ããŸã ã
- 以äžã«èª¬æããHTMLã®ãã¹ãŠã®æ¯æãããŒãžã䜿çšããŠãGoogleãã£ã¹ã¯äžã®ã¢ãŒã«ã€ãã«ãªã³ã¯ããŸãïŒåã¢ã¯ã¯ã€ã¢ã©ãŒã®ã¹ã¯ãªããã®èšå®ã«ã¯åé¡ããããŸããããã¹ãŠããã©ãŠã¶ãŒãŸãã¯æãåçŽãªWebãµãŒããŒã§éãå¿ èŠããããŸãïŒã
ãã®éãã£ãšã³ã³ããŒãžã§ã³ãå¢ãããå ¥æå䟡ãäžããããšã«æåããçã®é¢å¿ã瀺ããŸãã
ã³ã³ããŒãžã§ã³ãã¡ãã«å šäœãå®éã«è¿œè·¡ããã®ã¯éåžžã«é£ãããããæ°åã¯ææšã§ãã ãã ããæ¯æãã®è«æ±æžã®å²åãæ¯æãããŠãããã©ããã¯ç°¡åã«ããããŸãã
ãã®è¡šãèªããšãã¯ãããŒã»ã³ããŒãžãšããŒã»ã³ããŒãžãã€ã³ãã®éãã«æ³šæããŠãã ããã ã³ã³ããŒãžã§ã³ã50ïŒ ã§ã55ïŒ ã«ãªã£ãå Žåã5ããŒã»ã³ããã€ã³ãå€åããŸããã
䜿çšæžã¿ã®æ¯æãããŒãž | 芳枬ãããæ¯æãã²ãŒããŠã§ã€å€æã®æšå®å€ |
---|---|
1.ã¡ãŒã«+ã¢ã«ãã¡ãã³ã¯ãŠã§ããµã€ããžã®ãªã³ã¯ | ã50ïŒ +ç§ãã¡ã®åŽã«ã¯å€ãã®åé¡ããããŸãã |
2. RBS Webãµã€ãïŒSberbankããã®ãã¯ã€ãã©ãã«ïŒããã³ã»ãã¥ãªãã£ã®ããã®ã¡ãŒã«ãžã®ãªãã€ã¬ã¯ã | ã60ïŒ -65ïŒ ïŒ10-15ããŒã»ã³ããã€ã³ãå¢å ïŒ |
3.æ°ããæ¯æãããŒãžã䜿çšããŠãRBS Webãµã€ãïŒSberbankã®ãã¯ã€ãã©ãã«ïŒã«ãªãã€ã¬ã¯ãããŸã | ã65ïŒ -70ïŒ ïŒããã«5ããŒã»ã³ããã€ã³ãäžæïŒ |
4.æ¯æãããŒãžã®æçµããŒãžã§ã³ã䜿çšããŠãRBS Webãµã€ãïŒSberbankã®ãã¯ã€ãã©ãã«ïŒã«ãªãã€ã¬ã¯ãããŸã | ã75ïŒ ïŒããã«5ã10 ppäžæïŒ |
5.æ¯æãããŒãžã®æçµããŒãžã§ã³ã䜿çšããŠãUniteller Webãµã€ãïŒSberbankã®ãã¯ã€ãã©ãã«ïŒã«ãªãã€ã¬ã¯ãããŸã | ã70ïŒ -ã³ã³ããŒãžã§ã³ã¯Sberbank + RBSãããäœã |
6.ãã€ã³ã5 + HTTPSãªãã§iframeãéã | ã70ïŒ ïŒãã€ã³ã5ã«å¯ŸããŠãã€ãã¹5 ppïŒ |
7.ãã€ã³ã5 + HTTPSã§iframeãéã | ãã¹ãããæéããªã |
8.ã¢ãã€ã«ãã©ãããã©ãŒã ã®Webãã¥ãŒã§éã | ãã¹ã¯ããããšã»ãŒåã |
ABãã¹ãã®çµæãšããŠç¹å®ããäž»ãªåœ±é¿èŠå ïŒæ¡ä»¶ä»ãïŒïŒ
- å°ãªããã£ãŒã«ããšãã€ãº-ããè¯ãã åãã£ãŒã«ãããã³ã³ããŒãžã§ã³ãŸã§5ppãå·®ãåŒãããã®ãèããŸãã
- ã¯ã©ã€ã¢ã³ãã®æ³šæãåŒãåãããã¯ã¯ããã€ãã¹5ppå€æã§ãã
- ããžãã¹ãšè«ççã«é¢é£ããŠããªãåããŽãç»åããŸãã¯ç¢æã¯ãã³ã³ããŒãžã§ã³ã«å¯ŸããŠãã€ãã¹5ã10 ppã§ãã
- æè¡ã®é²æ©ã¯å¿ èŠãã€éèŠã§ããã ã¯ã©ã€ã¢ã³ãããã®ãããªæè¡ãŸãã¯ããªãã®ãã©ã³ããä¿¡é Œããå Žåã®ã¿ã§ãã
çè«çã«ã¯ããŸã ãããžãé ããã®ä»ã®éå ·ããããŸã-ããããæåã«æè¡çãªåé¡ã解決ããå¿ èŠãããããããã¹ãããæéããããŸããã§ããã
éè¡ããã³æ±ºæžãœãªã¥ãŒã·ã§ã³ãšã®äº€æžã®ç¹åŸŽãããã³ãã£ãŒãžããã¯ã«æã¡åã€æ¹æ³
ãã¿ãã¬èŠåºã
- éè¡ã¯ããªãã®ããã»ã¹ãå€ããŸããã
- çµæžã®äžã§ããžãç· ããKYCããã»ã¹ã¯ãŸããŸãã¢ãã«ã«ãªããŸããäžéšã®ãµãŒãã¹ã¯ããã¹ãŠã®åçè ã«æ£ããããšãæ±ããŸãã
- ææªã®å Žåãéè¡/ãµãŒãã¹ã¯ããªããããéãå·®ãåŒãã ãã§ãïŒããã«ã¡ã¯Paypalãç§ã¯å人çã«ãããã®ãã£ãŒãžããã¯ã倧éã«åãæ»ããŸããïŒããã£ãŒãžããã¯ã®å Žåãç°è°ãç³ãç«ãŠãæš©å©ã¯ãããŸããã
- éè¡/ãµãŒãã¹ã«æè°ããã»ã¹ãããå ŽåãååãšããŠããµãŒãã¹ãæäŸãããŠããäºå®ã瀺ããããã«ãã£ãŠçœ²åãããã¡ã¢ã®åœ¢ã§æäŸãããŠãããšãã蚌æ ãæäŸãããšããã£ãŒãžããã¯ãæã¡è² ããããšãã§ããŸã;
ãã®åéã§ã®è©æ¬ºåž«ã«ã€ããŠã®äžèš
åœãäžæ³ã«ãªã£ãä»ãç§ã¯è©æ¬ºãµã€ããåºåããèªãã®èªèã®ãã¡ã€ã¢ãŠã©ãŒã«ã«ãããããããç§ã¯åœŒãã«ééãå§ãããããªã¬ãã«ã«è©æ¬ºåž«ãæ¿åããŠããããšã«æ°ã¥ãå§ããŸããã
ãã¿ãã¬èŠåºã
- ãã®ã¹ããŒã ã¯åçŽã«çŽ æŽãããã§ãã èšèã¯ãããŸããã å®éãã«ãŒã2ã«ãŒãã®åœ¢ã§ãã±ãããè³Œå ¥ããããã®åœãµãŒããŒããã®èªå眮æã PHPã¹ã¯ãªããã¯ããŒãžãåãåããŸãã
- è©æ¬ºåž«ã¯äžè¬çã§ã-圌ãã¯ããžã¿ã«è£œåãè³Œå ¥ããããã«ããªããšéè¡ã«ãéãè¿ãããã«é ŒãŸããŸããã 圌ãã¯éè¡ãèããŠããéã«ããžã¿ã«è£œåèªäœãå販ããããšããŸããã
- Avitoã®ç¬åµçãªè©æ¬ºåž«-ãœãã¡ãè³Œå ¥ãããã®ã§ãããã«ãŒãçªå·ãæããŠãã ããã ãããŠãSMSããã®ã³ãŒãã 圌ãã¯å€ãã®å€§æéè¡ã§ãŠã§ããã³ãã³ã°ãã©ã®ããã«æ©èœããããç¥ã£ãŠããããããè©ŠããŠã¿ãŸãã é»è©±çªå·ãã¹ãããŒãªã¹ãã«èŒã£ãŠããŠãèŠå¯ã«å£°æãæžãããŠãããšäŒããå Žåã圌ãã¯æ°åã害ãããã¯ãé»è©±ãåããŸããã
- åŸé²çãªè¥¿åŽã®éè¡ãèµ·ãããŸãã