{"id":350,"date":"2015-03-18T12:47:05","date_gmt":"2015-03-18T03:47:05","guid":{"rendered":"https:\/\/itresearchart.biz\/?p=350"},"modified":"2015-03-19T06:03:02","modified_gmt":"2015-03-18T21:03:02","slug":"facebook%e3%80%81%e3%80%8cmessenger%e3%80%8d%e3%81%ab%e6%89%8b%e6%95%b0%e6%96%99%e7%84%a1%e6%96%99%e3%81%ae%e9%80%81%e9%87%91%e6%a9%9f%e8%83%bd%e3%82%92%e8%bf%bd%e5%8a%a0","status":"publish","type":"post","link":"https:\/\/itresearchart.biz\/?p=350","title":{"rendered":"Facebook\u3001\u300cMessenger\u300d\u306b\u624b\u6570\u6599\u7121\u6599\u306e\u9001\u91d1\u6a5f\u80fd\u3092\u8ffd\u52a0"},"content":{"rendered":"<p><a href=\"http:\/\/news.biglobe.ne.jp\/it\/0318\/mnn_150318_5140958174.html\">Facebook\u3001\u300cMessenger\u300d\u306b\u624b\u6570\u6599\u7121\u6599\u306e\u9001\u91d1\u6a5f\u80fd\u3092\u8ffd\u52a0<\/a>\u3068\u3044\u3046\u8a18\u4e8b\u304c\u3067\u3066\u3044\u307e\u3059\u3002 BitCoin\u3092\u3081\u3050\u308b\u6cd5\u7684\u306a\u554f\u984c\u3092\u7814\u7a76\u3057\u305f\u3068\u304d\u306b\u3001\u7c73\u56fd\u306b\u304a\u3044\u3066\u306e\u5404\u5dde\u6cd5\u306a\u3069\u3067\u3001\u96fb\u5b50\u7684\u9001\u91d1\u306b\u95a2\u3057\u3066\u306e\u898f\u5b9a\u306e\u554f\u984c\u304c\u3042\u308b\u3053\u3068\u3092\u691c\u8a0e\u3057\u307e\u3057\u305f\u3002<\/p>\n<p>\u3053\u3061\u3089\u306e<a href=\"http:\/\/www.huffingtonpost.jp\/techcrunch-japan\/facebook_b_6890958.html\">\u8a18\u4e8b<\/a>\u306b\u3088\u308b\u3068\u3001\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u30a2\u30ab\u30a6\u30f3\u30c8\u3092\u5229\u7528\u3057\u3066\u3044\u308b\u3088\u3046\u3067\u3059\u3002<\/p>\n<p>(\u8ffd\u52a0\u3057\u307e\u3059)<\/p>\n<p>\u7c73\u56fd\u6cd5\u3067\u95a2\u9023\u3059\u308b\u6cd5\u3068\u3057\u3066\u306f\u3001\u9023\u90a6\u306e\u96fb\u5b50\u9001\u91d1\u6cd5\uff08Electronic Fund Transfer Act (EFTA)\uff09\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u8aac\u660e\u8cac\u4efb\u30fb\u8cac\u4efb\u958b\u793a\u6cd5\uff12\uff10\uff10\uff19\u3001\u5404\u5dde\u306e\u8cc7\u91d1\u30b5\u30fc\u30d3\u30b9\u306b\u95a2\u3059\u308b\u6cd5\u5f8b\u3001\u9280\u884c\u79d8\u5bc6\u6cd5\u306a\u3069\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u9023\u90a6\u306e\u96fb\u5b50\u9001\u91d1\u6cd5\u306b\u95a2\u3057\u3066\u306f\u3001\u3053\u308c\u3092\u5177\u4f53\u5316\u3057\u305f\u9023\u90a6\u898f\u5247\uff25\uff08Regulation E\uff09\u304c\u9069\u7528\u306b\u306a\u308a\u307e\u3059\u3002\u9023\u90a6\u898f\u5247E<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a>\u306f\u3001ATM\u3067\u306e\u9001\u91d1\u96fb\u8a71\u8acb\u6c42\u66f8\u306b\u3088\u308b\u652f\u6255\u3044\u3001POS\u7aef\u672b\u3067\u306e\u8cc7\u91d1\u79fb\u8ee2\u3001\u4e8b\u524d\u306e\u30a2\u30ab\u30a6\u30f3\u30c8\u3067\u306e\u8a8d\u8a3c\u306b\u3088\u308b\u652f\u6255\u3044\u306a\u3069\u306b\u304a\u3051\u308b\u5229\u7528\u8005\u306e\u6a29\u5229\u30fb\u8cac\u4efb\u306b\u3064\u3044\u3066\u306e\u57fa\u672c\u7684\u306a\u67a0\u7d44\u3092\u5b9a\u3081\u3066\u304a\u308a\u3001\u96fb\u5b50\u9001\u91d1\u3068\u3044\u3046\u7528\u8a9e\u306f\u3001\u96fb\u5b50\u7aef\u672b\u3001\u96fb\u8a71\u6a5f\u3001\u30b3\u30f3\u30d4\u30e5\u30fc\u30bf\u3001\u78c1\u6c17\u30c6\u30fc\u30d7\u306a\u3069\u306b\u3088\u3063\u3066\u91d1\u878d\u6a5f\u95a2\u306b\u5bfe\u3057\u3066\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u3082\u3057\u304f\u306f\u30c7\u30d3\u30c3\u30c8\u306e\u6307\u793a\u306b\u3088\u3063\u3066\u958b\u59cb\u3059\u308b\u53d6\u5f15\u3092\u3044\u3044\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u898f\u5b9a\u306b\u3088\u308c\u3070\u3001\u91d1\u878d\u6a5f\u95a2\u306f\u3001\u5229\u7528\u8005\u306b\u5bfe\u3057\u3066\u521d\u671f\u306e\u958b\u793a\uff08\u5b9a\u671f\u7684\u306a\u8acb\u6c42\u5185\u5bb9\u306e\u958b\u793a\u3001\u5229\u7528\u306e\u6ce8\u610f\u3001\u89e3\u6c7a\u65b9\u6cd5\u306e\u958b\u793a\uff09\u3001\u8aa4\u8acb\u6c42\u306b\u5bfe\u3059\u308b\u89e3\u6c7a\u65b9\u6cd5\u306e\u958b\u793a\u3001\u7121\u6a29\u9650\u5229\u7528\u304b\u3089\u306e\u8cac\u4efb\u306e\u9650\u5b9a\u306e\u958b\u793a\u306a\u3069\u3092\u8ca0\u3044\u307e\u3059\u3002\u3053\u306e\u53d6\u5f15\u306b\u3064\u3044\u3066\u306f\u3001\u30a2\u30af\u30bb\u30b9\u6a5f\u5668\u306b\u3088\u308b\u5834\u5408\u3082\u3042\u308b\u3057\u3001\u305d\u308c\u306b\u3088\u3089\u306a\u3044\u5834\u5408\u3082\u53ef\u80fd\u3067\u3059\u3002\u3053\u306e\u5834\u5408\u3001\u30a2\u30af\u30bb\u30b9\u6a5f\u5668\u306b\u3088\u308b\u5834\u5408\u306b\u304a\u3044\u3066\u306f\u3001\u7121\u6a29\u9650\u5229\u7528\u306b\u5bfe\u3057\u3066\u306f\u3001\u8cac\u4efb\u304c\u9650\u5b9a\u3055\u308c\u307e\u3059\u304c\u3001\u305d\u306e\u4e00\u65b9\u3067\u3001\u30a2\u30af\u30bb\u30b9\u6a5f\u5668\u306b\u3088\u3089\u306a\u3044\u5834\u5408\u306b\u306f\u3001\u305d\u306e\u30ec\u30d9\u30eb\u3067\u306e\u8cac\u4efb\u9650\u5b9a\u306e\u30e1\u30ea\u30c3\u30c8\u306f\u3048\u3089\u308c\u307e\u305b\u3093\u3002<\/p>\n<p>\u307e\u305f\u3001\u30ae\u30d5\u30c8\u30ab\u30fc\u30c9\u3001\u4fa1\u5024\u4fdd\u5b58\u3001\u30b7\u30e7\u30c3\u30d4\u30f3\u30b0\u30e2\u30fc\u30eb\u30ab\u30fc\u30c9\u3001\u30aa\u30fc\u30d7\u30f3\u30eb\u30fc\u30d7\u30fb\u30d7\u30ea\u30d9\u30a4\u30c9\u30ab\u30fc\u30c9\u3001\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u30fb\u5831\u5968\u30fb\u8ca9\u4fc3\u306e\u4eee\u60f3\u901a\u8ca8\u306a\u3069\u306b\u3064\u3044\u3066\u306f\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u8aac\u660e\u8cac\u4efb\u30fb\u8cac\u4efb\u958b\u793a\u6cd5\uff12\uff10\uff10\uff19\uff08Credit Card Accountability, Responsibility\u3000Disclosure Act of 2009 (CARD Act)\uff09\u304c\u9069\u7528\u3055\u308c\u308b\uff08\u540c\u6cd5\uff14\uff10\uff11\u6761\uff09\u3002\u540c\u6cd5\u306f\u3001\u624b\u6570\u6599\u3001\u6709\u52b9\u671f\u9593\u306b\u5236\u9650\u3092\u8ab2\u3057\u3066\u304a\u308a\u3001\u307e\u305f\u3001\u958b\u793a\u304c\u5f37\u5236\u3055\u308c\u3066\u3044\u308b\uff08\u540c\u6cd5\uff12\uff10\uff11\u6761\u4ee5\u4e0b\uff09\u3002<\/p>\n<p>\u307e\u305f\u3001\u5404\u5dde\u306e\u8cc7\u91d1\u30b5\u30fc\u30d3\u30b9\u306b\u95a2\u3059\u308b\u6cd5\u5f8b\u306b\u3064\u3044\u3066\u306f\u3001\u7d71\u4e00\u8cc7\u91d1\u30b5\u30fc\u30d3\u30b9\u6cd5\uff08Uniform Money Services Act (UMSA)\u4ee5\u4e0b\u3001UMSA\u3068\u3044\u3046\uff09\uff09\u304c\u53c2\u8003\u306b\u306a\u308a\u307e\u3059\u3002\u8cc7\u91d1\u30b5\u30fc\u30d3\u30b9\u306b\u95a2\u3059\u308b\u6cd5\u5f8b\u306f\u3001\u8cc7\u91d1\u9001\u91d1\u306b\u95a2\u3059\u308b\u7d44\u7e54\u306e\u5065\u5168\u6027\u3068\u5b89\u5168\u6027\u3092\u78ba\u4fdd\u3057\u3001\u8cc7\u91d1\u3092\u9001\u91d1\u3059\u308b\u6d88\u8cbb\u8005\u3092\u4fdd\u8b77\u3057\u3088\u3046\u3068\u3044\u3046\u3082\u306e\u3067\u3059\u3002\u8cc7\u91d1\u30b5\u30fc\u30d3\u30b9\u696d\uff08money\u3000services\u3000businesses (\u201cMSBs\u201d)\uff09\u3068\u3044\u3046\u6982\u5ff5\u3067\u3082\u3063\u3066\u3001\u7a2e\u3005\u306e\u4e8b\u696d\u3092\u7dcf\u62ec\u3057\u3066\u3001\u8cc7\u91d1\u6d17\u6d44\u7b49\u306e\u4e88\u9632\u306e\u305f\u3081\u306b\u4e00\u5b9a\u306e\u5bfe\u5fdc\u3092\u56f3\u308b\u67a0\u7d44\u307f\u3092\u63d0\u4f9b\u3059\u308b\u306e\u304c\u3001UMSA\u306e\u76ee\u7684\u3067\u3059\u3002<\/p>\n<p>\u8cc7\u91d1\u30b5\u30fc\u30d3\u30b9\u696d\u306f\u3001\u9001\u91d1\u696d\u3001\u6c7a\u6e08\u65b9\u6cd5\u8ca9\u58f2\u3001\u4e21\u66ff\u5546\u306a\u3069\u3092\u542b\u3080\u5e83\u6c4e\u306a\u6982\u5ff5\u3067\u3042\u308b\u3002\u3053\u308c\u3089\u306f\u3001\u91d1\u878d\u6a5f\u95a2\u3067\u306f\u306a\u3044\u3068\u3044\u3046\u7279\u5fb4\u3092\u6709\u3057\u3066\u304a\u308a\u3001\u6d88\u8cbb\u8005\u306b\u5bfe\u3057\u3066\u3001\u6d88\u8cbb\u8005\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u3001\u65c5\u884c\u696d\u306a\u3069\u306e\u5e83\u6c4e\u306a\u5206\u91ce\u306b\u304a\u3044\u3066\u30ef\u30f3\u30b9\u30c8\u30c3\u30d7\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u3068\u3044\u3048\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u7d44\u7e54\u306f\u3001\u8cc7\u91d1\u6d17\u6d44\u306b\u5bfe\u3057\u3066\u8106\u5f31\u306a\u3082\u306e\u3068\u3044\u3046\u3053\u3068\u304c\u3067\u304d\u3001\u305d\u306e\u4e00\u65b9\u3067\u3001\u7d4c\u55b6\u7684\u306a\u57fa\u76e4\u306f\u3001\u4ed6\u306e\u696d\u52d9\u306b\u3088\u3063\u3066\u3044\u308b\u3002\u3053\u306e\u3088\u3046\u306a\u7d44\u7e54\u306b\u5bfe\u3057\u3066\u306e\u898f\u5236\u306e\u67a0\u7d44\u307f\u3092\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u91d1\u878d\u72af\u7f6a\u57f7\u884c\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\uff08FinCEN\u3001\u4ee5\u4e0b\u3001FinCEN\u3068\u3044\u3046\uff09\u306f\u3001\u305d\u306e\u300c\u9280\u884c\u79d8\u5bc6\u6cd5\u306e\u6539\u6b63\u898f\u5247\uff0d\u30d7\u30ea\u30da\u30a4\u30c9\u30fb\u30a2\u30af\u30bb\u30b9\u306b\u95a2\u3059\u308b\u5b9a\u7fa9\u304a\u3088\u3073\u305d\u306e\u4ed6\u306e\u898f\u5247\u300d<a href=\"#_ftn2\" name=\"_ftnref2\">[2]<\/a>\uff08Financial Crimes Enforcement Network; Amendment to the Bank Secrecy Act\u3000Regulations \u2013 Definitions and Other Regulations Relating to Prepaid Access\u3001\uff08\u30d7\u30ea\u30a4\u30c9\u30fb\u30a2\u30af\u30bb\u30b9\u30eb\u30fc\u30eb\uff09\uff09\u306b\u304a\u3044\u3066\u3001\u524d\u6255\u3044\u304c\u306a\u3055\u308c\u305f\u8cc7\u91d1\u306a\u3044\u3057\u306f\uff64\u30d5\u30a1\u30f3\u30c9\u4fa1\u5024\u306b\u3064\u3044\u3066\u306f\uff64FinCEN \u306b\u5bfe\u3057\u3066\u3001MSB\u3068\u3057\u3066\u767b\u9332\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3068\u5b9a\u3081\u3066\u3044\u307e\u3059\u3002\u30d7\u30ea\u30a4\u30c9\u30fb\u30a2\u30af\u30bb\u30b9\u3068\u3044\u3046\u306e\u306f\u3001\u524d\u6255\u3044\u3057\u3066\u3044\u305f\u8cc7\u91d1\u306b\u5bfe\u3057\u3066\u3001\u5c06\u6765\u3001\u96fb\u5b50\u7684\u6a5f\u5668\u7b49\u3092\u3082\u3061\u3044\u3066\u5229\u7528\u3082\u3057\u304f\u306f\u79fb\u8ee2\u3055\u305b\u308b\u3079\u304f\u30a2\u30af\u30bb\u30b9\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u308c\u306f\u3001\u9280\u884c\u79d8\u5bc6\u6cd5\u306e\u898f\u5b9a\uff08\u53cd\u8cc7\u91d1\u6d17\u6d44\u306e\u305f\u3081\u306e\u30d7\u30ed\u30b0\u30e9\u30e0\u306e\u5b9f\u65bd\uff09\u3092\u30d7\u30ea\u30a4\u30c9\u30fb\u30a2\u30af\u30bb\u30b9\u306e\u63d0\u4f9b\u8005\u304a\u3088\u3073\u8ca9\u58f2\u8005\u306b\u62e1\u5f35\u3059\u308b\u3082\u306e\u3067\u3059\u3002\u3082\u3063\u3068\u3082\u3001\u3053\u308c\u306b\u3064\u3044\u3066\u306f\u3001\u5229\u7528\u5834\u6240\u304c\u9650\u5b9a\u3055\u308c\u305f\u5834\u5408\u306e\u4e00\u65e5\u306e\u4e0a\u96502000\u30c9\u30eb\uff0f\u5236\u9650\u306a\u3057\u306e\u4e0a\u96501000\u30c9\u30eb\u306e\u5834\u5408\u306e\u4f8b\u5916\u7b49\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u307e\u305f\u3001\u56fd\u969b\u9001\u91d1\u306b\u3064\u3044\u3066\u306f\u3001\u5225\u9014\u306e\u898f\u5247\uff08New International Remittance Rules\uff09\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u308c\u306f\u3001\uff12\uff10\uff11\uff13\u5e74\uff11\u6708\u304b\u3089\u52b9\u529b\u3092\u6709\u3057\u3066\u3044\u308b\u3082\u306e\u3067\u3042\u3063\u3066\u3001\u5916\u56fd\u306e\u30a2\u30ab\u30a6\u30f3\u30c8\u306b\u5bfe\u3059\u308b\u9001\u91d1\u306b\u5bfe\u3057\u3066\u9069\u7528\u3055\u308c\u308b\u3082\u306e\u3067\u3059\uff08$15\u672a\u6e80\u306f\u3001\u4f8b\u5916\uff09\u3002\u3053\u308c\u306f\u3001\u9001\u91d1\u524d\u306e\u958b\u793a\u304a\u3088\u3073\u3001\u53d7\u9818\u8005\u3092\u958b\u793a\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3068\u3059\u308b\u3082\u306e\u3067\u3059\u3002<\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> http:\/\/www.federalreserve.gov\/bankinforeg\/regecg.htm\u3092\u53c2\u8003\u306b\u3057\u305f\u3002<\/p>\n<p><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> http:\/\/www.gpo.gov\/fdsys\/pkg\/FR-2011-07-29\/pdf\/2011-19116.pdf<\/p>\n<p>\u5236\u5b9a\u7406\u7531\u7b49\u306b\u3064\u3044\u3066\u306f\u3001http:\/\/www.fincen.gov\/statutes_regs\/frn\/pdf\/Prepaid%20Access%20NPRM.pdf<\/p>\n<p>&nbsp;<\/p>\n<p>&#8212;&#8212;<\/p>\n<p>\u56fd\u5883\u3092\u307e\u305f\u3050\u53d6\u5f15\u306b\u3064\u3044\u3066\u306f\u3001\u7c73\u56fd\u306b\u306f\u3001\u3053\u308c\u3092\u5236\u9650\u3059\u308b\u898f\u5b9a(New International Remittance Rules)\u304c\u5b58\u5728\u3057\u307e\u3059\u3002\u4eca\u5f8c\u3001\u3069\u306e\u3088\u3046\u306b\u3057\u3066\u56fd\u5883\u3092\u307e\u305f\u3050\u5c11\u984d\u9001\u91d1\u3092\u53ef\u80fd\u306b\u3059\u308b\u306e\u304b\u3068\u3044\u3046\u8ad6\u70b9\u304c\u3067\u3066\u304f\u308b\u3082\u306e\u3068\u601d\u308f\u308c\u307e\u3059\u3002 \u306a\u304a\u3001\u308f\u304c\u56fd\u3067\u306f\u3001LinPay\u304c\u30a2\u30ab\u30a6\u30f3\u30c8\u9593\u3067\u306e\u9001\u91d1\u3092\u8cc7\u91d1\u6c7a\u6e08\u6cd5\u3068\u306e\u95a2\u4fc2\u3092\u30af\u30ea\u30a2\u3059\u308b\u3053\u3068\u3067\u5b9f\u73fe\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u3082\u7d30\u304b\u304f\u307f\u3066\u3044\u304f\u3068\u3044\u308d\u3044\u308d\u3068\u554f\u984c\u306f\u8003\u3048\u3046\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3057\u3001\u307e\u305f\u3001\u7279\u306b\u56fd\u5883\u3092\u307e\u305f\u3050\u53d6\u5f15\u3068\u306e\u95a2\u4fc2\u306f\u3001\u4eca\u5f8c\u306e\u8ab2\u984c\u3067\u3059\u306d\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"Facebook\u3001\u300cMessenger\u300d\u306b\u624b\u6570\u6599\u7121\u6599\u306e\u9001\u91d1\u6a5f\u80fd\u3092\u8ffd\u52a0\u3068\u3044\u3046\u8a18\u4e8b\u304c\u3067\u3066\u3044\u307e\u3059\u3002 BitCoin\u3092\u3081\u3050\u308b\u6cd5\u7684\u306a\u554f\u984c\u3092\u7814\u7a76\u3057\u305f\u3068\u304d\u306b\u3001\u7c73\u56fd\u306b\u304a\u3044\u3066\u306e\u5404\u5dde\u6cd5\u306a\u3069\u3067\u3001\u96fb\u5b50\u7684\u9001\u91d1\u306b\u95a2\u3057\u3066\u306e\u898f\u5b9a\u306e\u554f\u984c\u304c\u3042\u308b\u3053\u3068\u3092\u691c\u8a0e\u3057 [&hellip;]","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[2],"tags":[],"jetpack_publicize_connections":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" 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