It doesn't take much effort and time!"EKYC" where identity verification is completed online?

When starting a mobile phone contract or using services, "identity verification" is indispensable to protect user safety.Recently, there are more opportunities to complete identity verification just by shooting documents and faces with a smartphone.

This is called "EKYC" and is a method of verification online that has been rapidly spreading in recent years.It may seem a little professional and difficult, but don't worry!

目次

監修者：肥後 彰秀（ひご・あきひで）さん

Director TRUSTDOCK Co., Ltd.He is a director of the FinTech Association.Japan Blockchain Association Advisor.Joined Gaiax Co., Ltd. in 2001.Engaged in the management of an engineer organization.Retired in 2019 (technical charge).In November 2017, TRUSTDOCK Co., Ltd. was launched, curved out from Gaiax, and directors (incumbent).Providing identity verification (KYC/E-KYC) service.In 2016, the Ministry of Economy, Trade and Industry's Study Committee and members of the 2017 Ministry of Internal Affairs and Communications.

Trustdock Co., Ltd.

The forefront of identity verification.This scene is increasing now

Before EKYC explains something in detail, let's first look at the scene where online identity verification is used in everyday life.

Sign a new mobile phone

For example, when connecting a communication contract such as a mobile phone.Softbank, Y -Mobile, and LINEMO (Linemo) allows you to select "SIM card" and "ESIM" when applying.If you want ESIM, you will have to verify your identity online.

Use mobile remittance / payment service

Recently, more functions have been used by linking mobile remittances and payment services to bank accounts.

For example, "PayPay" allows you to use "PayPay money" that can withdraw to bank accounts, etc. by confirming your online identity.Please check this out for details.

In addition, online identity verification is spreading in scenes such as opening bank accounts, issuing credit cards, registration of flea and auctions, and registration of matching apps.

"Even in the share of sharing economy services that do not require identity verification under laws and regulations, businesses are increasingly verifying their identity from the perspective of trouble prevention and deterrence. In addition, business such as crowdsourcing.Even in matching, there are many cases where EKYC is introduced to understand who the trading partner is and to check whether it is anti -social forces. "

How was it?

eKYCの認知・利用状況は？

According to the MMD Research Institute, which is a survey of communication and IT services, in August 2021, 67 of the overalls.6 % answered, "I don't know EKYC at all."From this result, it can be seen that the awareness and usage of EKYC is still growing.

On the other hand, 85 among ekyc users in a survey of the same name conducted by MMD Research Institute and Trustdock in July 2021..2 % answered, "I want to use it aggressively if it is supported" or "I will judge each time."The reason was that the evaluation of "because it was completed on the net" was noticeable.

"EKYC" explanation that can be understood in 1 minute

So far, we have introduced scenes where identity verification online is used, but what kind of service is EKYC again?

Until EKYC is born

Originally, in the scene where the identity verification procedure was required, the term "KYC (Know Your Customer)" was used as a general term.Depending on the documents, there are "identity confirmation" to check personal information such as names, addresses, date of birth, and gender, and "person authentication" to check if the person working at that place is the person.

The identity verification procedure is also necessary to suppress crimes due to unauthorized contracts such as spoofing.However, in KYC, it is common to send a copy of the ID card by mail, and it may take several days to a few weeks from application to actually starting the use of the service.

That's where EKYC (Electronic Know Your Customer), which can be verified online, appears online.Businesses began to introduce in November 2018 due to the revision of the "Criminal Revenue Transfer Prevention Act" *.

犯罪収益移転防止法とは

A law in which specific businesses such as financial institutions have grasped customers (companies, consumers) who are trading partners, and stipulate regulations to prevent fraudulent transactions.In the case of non -faced, the mailing of the documents was required, but in November 2018, the enforcement rules were revised and enforced, and online identity was verified.

EKYC type

EKYC has a broadly divided "browser type" and "app type"."Browser type" is a method of accessing corporate websites and proceeding on the identity verification procedure on the browser.The "app type" is a method of downloading a dedicated application and performing identity verification on the application side, so you can easily proceed with your smartphone or tablet.

How to verify the identity of EKYC

In addition, there are two types of EKYC's identity verification method.One is a "selfie upload type", which is a method of taking a photo of the identity with a face photo and the photo of the person with a smartphone at the same time, uploading it, and performing identity verification.The other is a "federation type", which is a method in which mobile phone companies and banks, etc. provide information that have been confirmed in the past and verify their identity.

The only thing that needs to shoot is necessary during the identity verification procedure

Two.

In the case of "selfie upload type", identification documents will often be required to shoot three points, front, back, and thickness.To prevent spoofing, the images taken in advance cannot be used, and it is necessary to shoot using the application provided by the business operator.

An example of the identity verification of the "selfie upload type" (for "paypay")