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しています。",[],{"contentType":2019,"id":2498,"title":2499,"description":2500,"icon":15,"eyebrow":1331,"image":15,"video":15,"links":2532,"link":-1},"25EXucHTiEpmHmmdCpePFy","誤拒否がもたらす本当の代償",{"json":2501},{"data":2502,"content":2503,"nodeType":2009},{},[2504,2511,2518,2525],{"data":2505,"content":2506,"nodeType":2008},{},[2507],{"data":2508,"marks":2509,"value":2510,"nodeType":2007},{},[],"調査対象加盟店の70%近くが、不正利用や悪用が収益拡大の妨げになると考えています。また、半数以上の企業が手動審査コストの上昇を報告しています。",{"data":2512,"content":2513,"nodeType":2008},{},[2514],{"data":2515,"marks":2516,"value":2517,"nodeType":2007},{},[],"不正対策におけるすべての意思決定は、トレードオフを伴います。統制が緩すぎれば不正を許し、逆に統制を厳しくしすぎれば、購入意欲のある正規顧客まで排除してしまいます。",{"data":2519,"content":2520,"nodeType":2008},{},[2521],{"data":2522,"marks":2523,"value":2524,"nodeType":2007},{},[],"企業の50%が誤拒否の増加を報告しており、慎重になりすぎることの代償が顕在化しています。正当な取引がブロックされることで、顧客体験は悪化し、本来は得られるはずの収益が失われています。",{"data":2526,"content":2527,"nodeType":2008},{},[2528],{"data":2529,"marks":2530,"value":2531,"nodeType":2007},{},[],"取引量が増大するにつれ、これらの誤拒否の影響は複利的に蓄積され、不正利用という問題が事業成長を阻害する継続的な重荷となります。",[],{"id":2534,"contentBlocks":2535},"1V6Jg8IearFhaFvpnu4wKu",[2536,2579],{"contentType":2019,"id":2537,"title":2538,"description":2539,"icon":15,"eyebrow":1331,"image":2571,"video":15,"links":2578,"link":-1},"4Dm4ZezOhYpYrsmhbumlM2","事例：世界的スポーツウェア小売企業が発見した「目の前に潜んでいた不正」",{"json":2540},{"data":2541,"content":2542,"nodeType":2009},{},[2543,2550,2557,2564],{"data":2544,"content":2545,"nodeType":2008},{},[2546],{"data":2547,"marks":2548,"value":2549,"nodeType":2007},{},[],"2025年8月、ある世界的スポーツウェア小売企業では、ギフトカードの有効化が1,000%以上急増し、過去最高の月間実績を記録したかのように見えました。しかし実際には、この企業は組織的な不正攻撃を受けていました。数千もの自動ボットが正規顧客を装ってギフトカードの番号を大規模にテストし、残高を使い果たしていたのです。攻撃を封じ込めるまでに、損失額は75万米ドルを超えました。",{"data":2551,"content":2552,"nodeType":2008},{},[2553],{"data":2554,"marks":2555,"value":2556,"nodeType":2007},{},[],"この小売企業の不正検知システムは、オーソリ（承認）が下りた後にのみトランザクションにフラグを立てる仕組みだったため「不正による収益損失」と「すべての不正取引に対して発生した決済処理手数料」の二重の打撃を受けました。",{"data":2558,"content":2559,"nodeType":2008},{},[2560],{"data":2561,"marks":2562,"value":2563,"nodeType":2007},{},[],"その後、同社は不正検知モデルを「承認後」から「承認前」へ移行することで、不審なトラフィックを削減し、精査すべき対象を絞り込むことに成功しました。",{"data":2565,"content":2566,"nodeType":2008},{},[2567],{"data":2568,"marks":2569,"value":2570,"nodeType":2007},{},[],"不審なトラフィックが減少したことで、明確なパターンが浮かび上がりました。それは、複数の取引において、旧型のiPhoneモデルに関連する同一のデバイスシグナルが繰り返し現れているというものでした。この特定パターンに対するピンポイントのルールを適用することで、攻撃を1週間以内に終息させることができました。\n",{"original":2572,"link":2574,"lazy":14,"source":1331,"small":2575,"medium":2576,"large":2577,"contentType":1950,"id":1331,"src":2423,"alt":1331},{"src":2416,"alt":1331,"transform":2416,"extension":2037,"name":1331,"color":1331,"isPublic":11,"size":2573,"focalPoint":15,"frontifyType":1931,"isFrontifyAsset":11},{"width":2418,"height":2419},{"url":2421,"title":1331,"download":11,"nuxt":14,"openInNewWindow":11},{"src":2423,"name":1331,"aspectRatio":15},{"src":2423,"name":1331,"aspectRatio":15},{"src":2423,"name":1331,"aspectRatio":15},[],{"original":2580,"link":2582,"lazy":11,"caption":1331,"source":1331,"small":2583,"medium":2586,"large":2589,"contentType":1950,"id":1331,"src":2416,"alt":1331},{"src":2416,"alt":1331,"transform":2416,"extension":2037,"name":1331,"color":1331,"isPublic":11,"size":2581,"focalPoint":15,"frontifyType":1931,"isFrontifyAsset":11},{"width":2418,"height":2419},{"url":2421,"title":1331,"download":11,"nuxt":14,"openInNewWindow":11},{"src":2584,"name":1331,"aspectRatio":2303,"color":1331,"dimensions":2585},"https://media.ffycdn.net/eu/adyen/cSZU65HCthmdrijAZgqS.jpg?format=webp&width=784&height=392&crop=fp&fp=0.5%2C0.5",{"width":2305,"height":2306},{"src":2587,"name":1331,"aspectRatio":2303,"color":1331,"dimensions":2588},"https://media.ffycdn.net/eu/adyen/cSZU65HCthmdrijAZgqS.jpg?format=webp&width=1572&height=786&crop=fp&fp=0.5%2C0.5",{"width":2310,"height":2311},{"src":2590,"name":1331,"aspectRatio":2303,"color":1331,"dimensions":2591},"https://media.ffycdn.net/eu/adyen/cSZU65HCthmdrijAZgqS.jpg?format=webp&width=2352&height=1176&crop=fp&fp=0.5%2C0.5",{"width":2315,"height":2316},{"id":2593,"title":2594,"contentType":2052,"description":1331,"navigationTitle":2594,"coverImage":15,"contentGroups":2595},"nQWI4jKUVoR9qmbPIuZ7J","第2章：正規顧客に潜む、見えない意図",[2596,2973,3029],{"id":2597,"contentBlocks":2598},"4JQWcqytLfS4MgEDGa8unA",[2599,2614,2650,2659,2722,2737,2759,2790,2839,2855,2958],{"original":2600,"link":2603,"lazy":11,"caption":1331,"source":1331,"small":2605,"medium":2608,"large":2611,"contentType":1950,"id":1331,"src":2601,"alt":1331},{"src":2601,"alt":1331,"transform":2601,"extension":2037,"name":1331,"color":1331,"isPublic":11,"size":2602,"focalPoint":15,"frontifyType":1931,"isFrontifyAsset":11},"https://media.ffycdn.net/eu/adyen/uCbbcFRBsN8ArNKwg4W3.jpg",{"width":2057,"height":2298},{"url":2604,"title":1331,"download":11,"nuxt":14,"openInNewWindow":11},"https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEyNzU4MCwidGltZXN0YW1wIjoxNzgwNDczMDMwLCJ2ZXJzaW9uIjoxNzgwMzE4NDc3fQ:adyen:HJZpqEkHxSa3Lcmi01V0EOCkiFoAJuC_NdDDu_5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されています。自身を攻撃者だと思っていない顧客であっても、結果として企業に損失をもたらす行動をとってしまう可能性があるのです。",[],{},{"nodeType":2008,"data":2884,"content":2885},{},[2886],{"nodeType":2007,"value":2887,"marks":2888,"data":2889},"こうしたグレーゾーンの存在によって、不正の定義が曖昧になり、対策は一層複雑化しています。",[],{},{"nodeType":2008,"data":2891,"content":2892},{},[2893],{"nodeType":2007,"value":2894,"marks":2895,"data":2896},"課題はシグナルの欠如ではありません。多くの場合、個別のトランザクションレベルでは不審な点は見当たりません。そのパターンは、繰り返されて初めて浮かび上がります。",[],{},{"nodeType":2898,"data":2899,"content":2900},"unordered-list",{},[2901,2911,2921,2931,2941],{"nodeType":2125,"data":2902,"content":2903},{},[2904],{"nodeType":2008,"data":2905,"content":2906},{},[2907],{"nodeType":2007,"value":2908,"marks":2909,"data":2910},"複数のアカウントを利用したプロモーション特典の大量取得",[],{},{"nodeType":2125,"data":2912,"content":2913},{},[2914],{"nodeType":2008,"data":2915,"content":2916},{},[2917],{"nodeType":2007,"value":2918,"marks":2919,"data":2920},"複数の利用者による無料トライアルの反復利用",[],{},{"nodeType":2125,"data":2922,"content":2923},{},[2924],{"nodeType":2008,"data":2925,"content":2926},{},[2927],{"nodeType":2007,"value":2928,"marks":2929,"data":2930},"返品ポリシーの適用基準直前で繰り返される返品",[],{},{"nodeType":2125,"data":2932,"content":2933},{},[2934],{"nodeType":2008,"data":2935,"content":2936},{},[2937],{"nodeType":2007,"value":2938,"marks":2939,"data":2940},"検知を避けるための取引の意図的な分散",[],{},{"nodeType":2125,"data":2942,"content":2943},{},[2944],{"nodeType":2008,"data":2945,"content":2946},{},[2947],{"nodeType":2007,"value":2948,"marks":2949,"data":2950},"ギフトカードの不正利用",[],{},{"nodeType":2008,"data":2952,"content":2953},{},[2954],{"nodeType":2007,"value":1331,"marks":2955,"data":2956},[],{},[],{"original":2959,"link":2962,"lazy":11,"caption":1331,"source":1331,"small":2964,"medium":2967,"large":2970,"contentType":1950,"id":1331,"src":2960,"alt":1331},{"src":2960,"alt":1331,"transform":2960,"extension":2037,"name":1331,"color":1331,"isPublic":11,"size":2961,"focalPoint":15,"frontifyType":1931,"isFrontifyAsset":11},"https://media.ffycdn.net/eu/adyen/mmLzP2Ry3jyW6ZWYTpSi.jpg",{"width":2057,"height":2843},{"url":2963,"title":1331,"download":11,"nuxt":14,"openInNewWindow":11},"https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEyNzU5MSwidGltZXN0YW1wIjoxNzgwNDczMDM0LCJ2ZXJzaW9uIjoxNzgwMzE4NDc3fQ:adyen:DcALW58Qx7U_AQfCgfiaUYQ6fzXoVKyuixFzJRh6mH4/download",{"src":2965,"name":1331,"aspectRatio":2303,"color":1331,"dimensions":2966},"https://media.ffycdn.net/eu/adyen/mmLzP2Ry3jyW6ZWYTpSi.jpg?format=webp&width=784&height=392&crop=fp&fp=0.5%2C0.5",{"width":2305,"height":2306},{"src":2968,"name":1331,"aspectRatio":2303,"color":1331,"dimensions":2969},"https://media.ffycdn.net/eu/adyen/mmLzP2Ry3jyW6ZWYTpSi.jpg?format=webp&width=1572&height=786&crop=fp&fp=0.5%2C0.5",{"width":2310,"height":2311},{"src":2971,"name":1331,"aspectRatio":2303,"color":1331,"dimensions":2972},"https://media.ffycdn.net/eu/adyen/mmLzP2Ry3jyW6ZWYTpSi.jpg?format=webp&width=2352&height=1176&crop=fp&fp=0.5%2C0.5",{"width":2315,"height":2316},{"id":2974,"contentBlocks":2975},"2eQW5QU0wm6RO3AELKmVYs",[2976,3012],{"contentType":2019,"id":2977,"title":2978,"description":2979,"icon":15,"eyebrow":1331,"image":15,"video":15,"links":3011,"link":-1},"2GI0cRtMQwodmEAYrqmPGV","事例：無料トライアル悪用の排除による、継続課金の確保",{"json":2980},{"nodeType":2009,"data":2981,"content":2982},{},[2983,2990,2997,3004],{"nodeType":2008,"data":2984,"content":2985},{},[2986],{"nodeType":2007,"value":2987,"marks":2988,"data":2989},"2025年初頭、某グローバルソフトウェア企業では、無料トライアルの不正利用が増加していました。顧客は最初から継続する意思を持たず、無効なカードや決済能力のないカード情報を使用してトライアルに登録し、最初の課金サイクルで初めて決済エラー（料金未回収）が発覚するという問題です。",[],{},{"nodeType":2008,"data":2991,"content":2992},{},[2993],{"nodeType":2007,"value":2994,"marks":2995,"data":2996},"つまり、問題の本質は更新時にあったのではなく、登録時にすでに始まっていたのです。\nこの対策として、同社はAdyenと協力し、認証プロセスのタイミングを顧客ライフサイクルの早期へと移行しました。カード番号の有無を確認するだけの基本的なチェックではなく、無料トライアル登録時点で、決済手段そのものの有効性を事前認証する仕組みを導入したのです。",[],{},{"nodeType":2008,"data":2998,"content":2999},{},[3000],{"nodeType":2007,"value":3001,"marks":3002,"data":3003},"このアプローチにより、トライアル期間中に課金を行うことなく、課金開始時にその支払い手段がサブスクリプション料金を支払える状態にあるかを評価することが可能になりました。その結果、無効なカードや残高不足、高リスクな決済手段をアクセス付与前の段階で排除できるようになりました。同時に、正規顧客に影響を与えることなく、シームレスな登録体験も維持しています。",[],{},{"nodeType":2008,"data":3005,"content":3006},{},[3007],{"nodeType":2007,"value":3008,"marks":3009,"data":3010},"この移行により、不要なフリクションを加えることなく統制を強化できました。初期段階で登録者の質が向上したことで、サブスクリプション全体の健全性が向上しました。\n質の高い層を確保できたことで、その後のコンバージョン率や継続率も改善し、収益の予測可能性が高まりました。",[],{},[],{"original":3013,"link":3018,"lazy":11,"caption":1331,"source":1331,"small":3020,"medium":3023,"large":3026,"contentType":1950,"id":1331,"src":3014,"alt":1331},{"src":3014,"alt":1331,"transform":3014,"extension":2037,"name":1331,"color":1331,"isPublic":11,"size":3015,"focalPoint":15,"frontifyType":1931,"isFrontifyAsset":11},"https://cdn-assets-eu.frontify.com/s3/frontify-enterprise-files-eu/eyJwYXRoIjoiYWR5ZW5cL2ZpbGVcL2tDd1RvQWR6dGhLY3hXdUUyQk1ZLmpwZyJ9:adyen:mggIAkrVZsJXvRKP86qOMxrnPxfUoNlwTO8fOt_CANI",{"width":3016,"height":3017},3840,2560,{"url":3019,"title":1331,"download":11,"nuxt":14,"ope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バイスを横断してシグナルを活用するネットワークレベルの「認識」は、初回接点の段階から、より高精度で迅速な判断を可能にします。",[],{},{"nodeType":2008,"data":3663,"content":3664},{},[3665,3669,3674],{"nodeType":2007,"value":3666,"marks":3667,"data":3668},"Adyenのグローバルネットワーク全体において、特定のアイデンティティ（顧客データ）が、過去の取引、他の加盟店、資金の払い出し、あるいはカード発行などの履歴にすでに登場している確率は",[],{},{"nodeType":2007,"value":3670,"marks":3671,"data":3673},"84%",[3672],{"type":2104},{},{"nodeType":2007,"value":3675,"marks":3676,"data":3677},"にのぼります。これは、自社にとっては新規顧客であっても初回接点から、その背景にある行動履歴を把握できるということを意味します。",[],{},{"nodeType":2008,"data":3679,"content":3680},{},[3681],{"nodeType":2007,"value":3682,"marks":3683,"data":3684},"すでに他の環境で信頼性の高い行動履歴を示している顧客であれば、企業は初期段階からより高い確信を持って判断でき、不必要なフリクションを減らすことができます。",[],{},[],{"original":3687,"link":3692,"lazy":11,"caption":1331,"source":1331,"small":3694,"medium":3697,"large":3700,"contentType":1950,"id":1331,"src":3688,"alt":1331},{"src":3688,"alt":1331,"transform":3688,"extension":2037,"name":1331,"color":1331,"isPublic":11,"size":3689,"focalPoint":15,"frontifyType":1931,"isFrontifyAsset":11},"https://media.ffycdn.net/eu/adyen/2byhVdtAiAodLP3akNtZ.jpg",{"width":3690,"height":3691},3312,1608,{"url":3693,"title":1331,"download":11,"nuxt":14,"openInNewWindow":11},"https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEyNzU4NiwidGltZXN0YW1wIjoxNzgwNDczMDM5LCJ2ZXJzaW9uIjoxNzgwMzE4NDc3fQ:adyen:-85NpED3BEtlLcR0Zk5fsJwQWeMESyYZbguA8bJABOA/download",{"src":3695,"name":1331,"aspectRatio":2303,"color":1331,"dimensions":3696},"https://media.ffycdn.net/eu/adyen/2byhVdtAiAodLP3akNtZ.jpg?format=webp&width=784&height=392&crop=fp&fp=0.5%2C0.5",{"width":2305,"height":2306},{"src":3698,"name":1331,"aspectRatio":2303,"color":1331,"dimensions":3699},"https://media.ffycdn.net/eu/adyen/2byhVdtAiAodLP3akNtZ.jpg?format=webp&width=1572&height=786&crop=fp&fp=0.5%2C0.5",{"width":2310,"height":2311},{"src":3701,"name":1331,"aspectRatio":2303,"color":1331,"dimensions":3702},"https://media.ffycdn.net/eu/adyen/2byhVdtAiAodLP3akNtZ.jpg?format=webp&width=2352&height=1176&crop=fp&fp=0.5%2C0.5",{"width":2315,"height":2316},{"id":3704,"title":3705,"text":3706,"isFullScreen":14,"link":15,"theme":15,"contentType":2758},"qybGe3rurvsIzsbU9SktC","プロダクトハイライト：「Protect」が変える不正対策の未来",{"json":3707},{"nodeType":2009,"data":3708,"content":3709},{},[3710,3717,3724,3731,3761,3809],{"nodeType":2008,"data":3711,"content":3712},{},[3713],{"nodeType":2007,"value":3714,"marks":3715,"data":3716},"従来の不正対策は、リスクが可視化された後に、不正な取引をブロックすることに注力していました。しかし、現代の不正は、プロモーション、ゲストチェックアウト、アカウント新規作成、返品、そしてストアドバリューカード（事前にチャージされたカード）といった、決済周辺のシステムを悪用する方向へと広がっています。",[],{},{"nodeType":2008,"data":3718,"content":3719},{},[3720],{"nodeType":2007,"value":3721,"marks":3722,"data":3723},"より効果的なアプローチは、不正リスクに関連する判断のタイミングをより早期へと移動させることです。利用者の継続性、加盟店横断での認識、事前承認段階のリスクシグナルを組み合わせることで、企業はチェックアウト時のフリクションや承認手数料、あるいはその後に発生する損失（チャージバックなど）が発生する前に、信頼できる行動と不正利用を見分けられるようになります。",[],{},{"nodeType":2008,"data":3725,"content":3726},{},[3727],{"nodeType":2007,"value":3728,"marks":3729,"data":3730},"このアプローチがもたらすメリットは、単に承認率の向上や不正損失の低減に留まりません。利益率、成長フェーズ、カスタマージャーニーに応じてリスク許容度の主導権をビジネス側が握れるようになることです。これにより、誤拒否の削減、不要な手動審査の最小化、ビジネスの優先順位に合わせたリスク許容度の調整、そして顧客ライフサイクルの早期段階での悪用パターンの察知が可能になります。",[],{},{"nodeType":2008,"data":3732,"content":3733},{},[3734,3738,3742,3746,3750,3757],{"nodeType":2007,"value":3735,"marks":3736,"data":3737},"不正対策において最も難しいのは、高い決済承認率を維持しながら、不正防止の精度を上げることです。従来、不正検知を強化すればするほど、正規顧客までブロックしてしまう傾向があったため、この2つはトレードオフの関係にありました。",[],{},{"nodeType":2007,"value":3739,"marks":3740,"data":3741},"\n\nしかし2025年、",[],{},{"nodeType":2007,"value":3743,"marks":3744,"data":3745},"Adyenの不正対策ツール",[],{},{"nodeType":2007,"value":3747,"marks":3748,"data":3749},"「",[],{},{"nodeType":2120,"data":3751,"content":3752},{"uri":1346},[3753],{"nodeType":2007,"value":1878,"marks":3754,"data":3756},[3755],{"type":2118},{},{"nodeType":2007,"value":3758,"marks":3759,"data":3760},"」を利用した加盟店では、以下の成果が確認されています。",[],{},{"nodeType":2186,"data":3762,"content":3763},{},[3764,3779,3794],{"nodeType":2125,"data":3765,"content":3766},{},[3767],{"nodeType":2008,"data":3768,"content":3769},{},[3770,3775],{"nodeType":2007,"value":3771,"marks":3772,"data":3774},"不正検知件数が前年比16%増",[3773],{"type":2104},{},{"nodeType":2007,"value":3776,"marks":3777,"data":3778},"：前年より多くの不正を検知。",[],{},{"nodeType":2125,"data":3780,"content":3781},{},[3782],{"nodeType":2008,"data":3783,"content":3784},{},[3785,3790],{"nodeType":2007,"value":3786,"marks":3787,"data":3789},"誤検知率が前年比33%減少",[3788],{"type":2104},{},{"nodeType":2007,"value":3791,"marks":3792,"data":3793},"：不正検知を強化しながら、正規顧客の誤拒否を削減。",[],{},{"nodeType":2125,"data":3795,"content":3796},{},[3797],{"nodeType":2008,"data":3798,"content":3799},{},[3800,3805],{"nodeType":2007,"value":3801,"marks":3802,"data":3804},"承認率維持効果が2倍",[3803],{"type":2104},{},{"nodeType":2007,"value":3806,"marks":3807,"data":3808},"：Protect未導入の加盟店と比較して、承認率の維持効果が2倍に向上。",[],{},{"nodeType":2008,"data":3810,"content":3811},{},[3812],{"nodeType":2007,"value":3813,"marks":3814,"data":3815},"コマースの自動化が加速する中で、重要なのは、意思決定を不透明なブラックボッ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ィ特典、決済インセンティブなどを、本来想定されていない形で組み合わせて利用するのです。\n\n個々の取引自体は正当であり、単体ではルール違反を示す明確なシグナルも存在しません。しかし、それらが組み合わさることで、システム全体の隙を突いた構造的な悪用へと発展します。",{"data":3956,"content":3957,"nodeType":2008},{},[3958],{"data":3959,"marks":3960,"value":3961,"nodeType":2007},{},[],"この手口の派生形として、在庫が限られた新商品を狙ったケースもあります。エージェントが発売直後に大量の在庫を瞬時に確保し、一般顧客や既存の保護施策を上回るスピードで購入を完了させます。一見すると販売成功のように見えても、実際には自動化されたAIによる「買い占め」である可能性があります。",{"data":3963,"content":3964,"nodeType":2008},{},[3965],{"data":3966,"marks":3967,"value":3968,"nodeType":2007},{},[],"従来のボット攻撃とは異なり、これらのパターンは、実際の購入履歴を持つ正当なアカウントを通じて実行されるため、盗まれた認証情報や合成アイデンティティを必要としません。",{"data":3970,"content":3971,"nodeType":2008},{},[3972],{"data":3973,"marks":3974,"value":3975,"nodeType":2007},{},[],"エージェンティックコマースは、新しい不正の手口を生み出すわけではありません。企業がすでに抑制に苦慮している、グレーゾーンを突くようなリスクを、圧倒的なスピードで組織的なものにしてしまうのです。",{"contentType":2019,"id":3977,"title":3978,"description":3979,"icon":15,"eyebrow":1331,"image":15,"video":15,"links":4010,"link":-1},"3riyN9yt0kJcU6xUdLfojR","上流工程への移行（アップストリーム）",{"json":3980},{"data":3981,"content":3982,"nodeType":2009},{},[3983,4003],{"data":3984,"content":3985,"nodeType":2008},{},[3986,3990,3999],{"data":3987,"marks":3988,"value":3989,"nodeType":2007},{},[],"エージェンティックコマースの時代において、チェックアウト時に不正対策を適用するだけでは不十分です。エージェントがチェックアウト画面に到達する頃には、すでに多くの意思決定が完了しており、その多くは加盟店からは可視化も統制もできない外部システム（AIの内部）で実行されています。その結果、",{"data":3991,"content":3993,"nodeType":2120},{"uri":3992},"https://www.adyen.com/ja_JP/knowledge-hub/chargebacks-defense-tactics",[3994],{"data":3995,"marks":3996,"value":3998,"nodeType":2007},{},[3997],{"type":2118},"チャージバック",{"data":4000,"marks":4001,"value":4002,"nodeType":2007},{},[],"、返品の悪用、プロモーションの悪用、そして技術的には有効であっても顧客の意図と一致しない取引にさらされるリスクが高まります。",{"data":4004,"content":4005,"nodeType":2008},{},[4006],{"data":4007,"marks":4008,"value":4009,"nodeType":2007},{},[],"信頼の構築は決済の瞬間だけでなく、システム、プロトコル、システム全体を横断して、より早い段階で構築される必要があります。",[],{"original":4012,"link":4016,"lazy":11,"caption":1331,"source":1331,"small":4018,"medium":4021,"large":4024,"contentType":1950,"id":1331,"src":4013,"alt":1331},{"src":4013,"alt":1331,"transform":4013,"extension":2037,"name":1331,"color":1331,"isPublic":11,"size":4014,"focalPoint":15,"frontifyType":1931,"isFrontifyAsset":11},"https://media.ffycdn.net/eu/adyen/riYwzJpGZZB7kwEUdt9y.jpg",{"width":4015,"height":3691},3216,{"url":4017,"title":1331,"download":11,"nuxt":14,"openInNewWindow":11},"https://brand.adyen.com/api/asset/eyJjbGllbnRJZCI6bnVsbCwiaWQiOjEyNzU4OSwidGltZXN0YW1wIjoxNzgwNDczMDI5LCJ2ZXJzaW9uIjoxNzgwMzE4NDc3fQ:adyen:421DOidUhS2G001MPr2RH_Zx2MkJEMk7OlZnl-ORPm0/download",{"src":4019,"name":1331,"aspectRatio":2303,"color":1331,"dimensions":4020},"https://media.ffycdn.net/eu/adyen/riYwzJpGZZB7kwEUdt9y.jpg?format=webp&width=784&height=392&crop=fp&fp=0.5%2C0.5",{"width":2305,"height":2306},{"src":4022,"name":1331,"aspectRatio":2303,"color":1331,"dimensions":4023},"https://media.ffycdn.net/eu/adyen/riYwzJpGZZB7kwEUdt9y.jpg?format=webp&width=1572&height=786&crop=fp&fp=0.5%2C0.5",{"width":2310,"height":2311},{"src":4025,"name":1331,"aspectRatio":2303,"color":1331,"dimensions":4026},"https://media.ffycdn.net/eu/adyen/riYwzJpGZZB7kwEUdt9y.jpg?format=webp&width=2352&height=1176&crop=fp&fp=0.5%2C0.5",{"width":2315,"height":2316},{"contentType":2019,"id":4028,"title":4029,"description":4030,"icon":15,"eyebrow":1331,"image":15,"video":15,"links":4071,"link":-1},"7LXIYHRsQ0vxd9TLOwYVgN","インテリジェンス、識別、そして認証",{"json":4031},{"data":4032,"content":4033,"nodeType":2009},{},[4034,4041],{"data":4035,"content":4036,"nodeType":2008},{},[4037],{"data":4038,"marks":4039,"value":4040,"nodeType":2007},{},[],"これらの課題は現在も進化の途上にありますが、いくつかの明確な対応策が見えてきています。",{"data":4042,"content":4043,"nodeType":2008},{},[4044,4049,4053,4058,4062,4067],{"data":4045,"marks":4046,"value":4048,"nodeType":2007},{},[4047],{"type":2104},"行動インテリジェンス",{"data":4050,"marks":4051,"value":4052,"nodeType":2007},{},[],"\n不正検知システムは、人間の行動だけでなく「エージェント特有の行動パターン」を認識できるように適応する必要があります。具体的には、エージェントによるインタラクションの特徴を学習し、取引ライフサイクルのより早い段階でシグナルを取得するとともに、加盟店、決済ネットワーク、カード発行会社、AIプラットフォーム間でのデータ共有を強化していく必要があります。\n\n",{"data":4054,"marks":4055,"value":4057,"nodeType":2007},{},[4056],{"type":2104},"エージェント識別",{"data":4059,"marks":4060,"value":4061,"nodeType":2007},{},[],"\n今後より一層重要となるのは、信頼できるエージェントとそうでないものを区別する能力です。これには、決済ネットワークや金融機関との連携、AIエージェントのアイデンティティおよびレピュテーションを管理する共通フレームワークやレジストリの整備、さらにエージェントの出所や信頼性を示す標準化されたシグナルの整備が必要になると考えられます。\n\n",{"data":4063,"marks":4064,"value":4066,"nodeType":2007},{},[4065],{"type":2104},"認証と委任",{"data":4068,"marks":4069,"value":4070,"nodeType":2007},{},[],"\n既存の本人認証システムは、代理購入というコマースの形を想定して設計されていません。現在、エージェントベースの承認をサポートするために、現行のプロトコルを拡張する取り組みが進められています。同意と権限委譲をいかに取得・検証し、新たな取引パターンを業界標準や規制枠組みと適合させるかが焦点となっています。",[],{"contentType":2019,"id":4073,"title":4074,"description":4075,"icon":15,"eyebrow":1331,"image":15,"video":15,"links":4093,"link":-1},"6TmuZl2EobWEW0NFc2B8N6","信頼はより早い段階で構築される必要がある",{"json":4076},{"data":4077,"content":4078,"nodeType":2009},{},[4079,4086],{"data":4080,"content":4081,"nodeType":2008},{},[4082],{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3-Dセキュア（3DS2）の導入義務化",{"data":4212,"marks":4213,"value":4214,"nodeType":2007},{},[],"。カード加盟店（EC事業者）に対して原則すべての決済への実装を求めており、未導入店舗での不正発生時は加盟店がチャージバックのリスクを負うなど、官民一体となった水際対策を強化している。",{"data":4216,"content":4217,"nodeType":2125},{},[4218],{"data":4219,"content":4220,"nodeType":2008},{},[4221,4226],{"data":4222,"marks":4223,"value":4225,"nodeType":2007},{},[4224],{"type":2104},"イギリス",{"data":4227,"marks":4228,"value":4229,"nodeType":2007},{},[],"：義務化された払い戻し要件により、対象となるAPP（承認された支払い）詐欺の損失のほとんどが被害者に返金される。",{"data":4231,"content":4232,"nodeType":2125},{},[4233],{"data":4234,"content":4235,"nodeType":2008},{},[4236,4241],{"data":4237,"marks":4238,"value":4240,"nodeType":2007},{},[4239],{"type":2104},"オーストラリア",{"data":4242,"marks":4243,"value":4244,"nodeType":2007},{},[],"：「詐欺防止枠組み法」は、払い戻しよりも防止義務を中心に構築されており、救済措置は最終的なセーフティネットとして位置付けられている。",{"data":4246,"content":4247,"nodeType":2125},{},[4248],{"data":4249,"content":4250,"nodeType":2008},{},[4251,4256],{"data":4252,"marks":4253,"value":4255,"nodeType":2007},{},[4254],{"type":2104},"ブラジル",{"data":4257,"marks":4258,"value":4259,"nodeType":2007},{},[],"：即時決済「PIX」の特別返金メカニズムにより、受取側の金融機関が資金をブロックでき、最近の拡張によって後続の送金先まで追跡することを可能にしている。",{"data":4261,"content":4262,"nodeType":2125},{},[4263],{"data":4264,"content":4265,"nodeType":2008},{},[4266,4271],{"data":4267,"marks":4268,"value":4270,"nodeType":2007},{},[4269],{"type":2104},"EU",{"data":4272,"marks":4273,"value":4274,"nodeType":2007},{},[],"：新たな「PSD3/PSR」では、受取人名確認の義務化範囲を拡大。これまでプライバシーのグレーゾーンにあった「不正シグナルの共有」について、決済サービスプロバイダー間に明確な法的根拠を与えようとしている。",{"data":4276,"content":4277,"nodeType":2008},{},[4278],{"data":4279,"marks":4280,"value":4281,"nodeType":2007},{},[],"これらの枠組みはいずれも発展途上ではありますが、全体として不正対策の規制は、自社単独で単一の取引時点のみを評価する考え方から、業界横断でシグナルを共有し、決済に至るまでの継続的な行動を重視する方向へ移行しつつあります。",{"data":4283,"content":4284,"nodeType":2008},{},[4285],{"data":4286,"marks":4287,"value":4288,"nodeType":2007},{},[],"規制当局が進めているもう一つのアプローチが、「ライアビリティ（損失負担）」の見直しです。詐欺被害が発生した際に実際の損害を補填する仕組みであり、その必要性は理解しやすいものです。しかし、それはあくまで被害発生後の解決策に過ぎません。攻撃者を早期に特定したり、不正そのものを防いだり、あるいは資金移動そのものを未然に阻止したりする効果は限定的です。場合によっては、「システムが後で損失を補填してくれる」という考えを助長し、顧客の油断を招くリスクさえあります。",{"data":4290,"content":4291,"nodeType":2008},{},[4292,4296,4305],{"data":4293,"marks":4294,"value":4295,"nodeType":2007},{},[],"現在拡大している不正の手口に対しては、こうした事後対応だけでは限界があります。なぜなら、本質的な問題は「誰が損失を負担するか」ではなく、「適切な主体が、不正を阻止するために必要な情報を、十分な早さで得られていない」ことにあるからです。だからこそ、データ共有の促進が極めて重要になります。情報共有によって、不正対策上の本質的な弱点を可視化できるようになり、防止策が失敗した後のコストを再配分するだけでなく、防止策そのものを改善できる可能性が高まるのです。\n\n本ドキュメントはAdyen N.V.が発行した英語原文を日本語にローカライズしたものです。原文は",{"data":4297,"content":4299,"nodeType":2120},{"uri":4298},"https://www.adyen.com/knowledge-hub/fraud-report-2026",[4300],{"data":4301,"marks":4302,"value":4304,"nodeType":2007},{},[4303],{"type":2118},"こちら",{"data":4306,"marks":4307,"value":4308,"nodeType":2007},{},[],"からご確認いただけます。",[],{"contentType":1331,"icon":15,"title":4311,"text":4312,"primaryLink":4313,"description":4312,"eyebrow":1331},"レポート全文を読む","このレポートで、2026年の不正利用の動向と企業が取るべき対策を理解しましょう。",{"id":2016,"title":2014,"text":2014,"url":96,"lazyUrlEndpoint":15,"contentType":1850,"nuxt":11,"openInNewWindow":14,"label":2014,"to":96,"href":96},{"@context":4315,"@type":4316,"headline":91,"image":4317,"datePublished":1989,"dateModified":88,"author":4318},"https://schema.org","BlogPosting",[1926],[4319],{"@type":4320,"name":4321,"url":4322},"Organization","Adyen","https://www.adyen.com/ja_JP","2026年5月20日",["Reactive",4325],{"title":4326,"text":4327,"formTitle":1331,"formId":4338,"link":15},"最新の情報を直接お届け",{"json":4328},{"nodeType":2009,"data":4329,"content":4330},{},[4331],{"nodeType":2008,"data":4332,"content":4333},{},[4334],{"nodeType":2007,"value":4335,"marks":4336,"data":4337},"ビジネス成長と決済イノベーションに関する最新のインサイトとアドバイスで、最善の意思決定を。",[],{},12372,1781681835631]