「本物のマイナカード？」業務用スマホで本人確認書類のICチップ読み取り、券面情報と照合できるアプリを導入…地銀の＜なりすまし＞金融犯罪防止策 – 読売新聞

Nanto Bank, headquartered in Nara City, has deployed a smartphone application across all its branches to verify the authenticity of identity documents. The implementation is part of a strategic effort to combat financial crimes, specifically those involving impersonation, money laundering, and special fraud.

The application allows bank employees to use business smartphones to read the IC chips embedded in identity documents. By reading the chip and cross-referencing the digital data with the information printed on the physical surface of the card, the system can detect whether a document has been forged or altered.

Technical Application and Scope

The verification technology is designed to support multiple forms of identification. According to the bank, the app can determine the authenticity of My Number cards, driver’s licenses, and residence cards.

Nanto Bank has integrated this tool into specific high-risk operational workflows. The app is used during face-to-face account openings and for cash transactions that exceed a certain specified amount.

Regulatory Framework and Fraud Prevention

The adoption of this technology coincides with regulatory movements by the National Police Agency. The agency is currently amending the Ordinance for Enforcement of the Act on Prevention of Transfer of Criminal Proceeds to strengthen identity verification standards at financial institutions.

The proposed amendments aim to make the presentation and reading of IC-chip-equipped documents a mandatory requirement for face-to-face identity verification at bank counters. The National Police Agency intends for these revised regulations to be enforced by the spring of 2027.

This regulatory shift is a response to an increase in crimes involving the use of forged identification to open fraudulent accounts. These tactics often include the physical alteration of identity documents, such as replacing the original photograph on the card with that of another person.

By shifting the verification focus from the physical surface of the card to the encrypted data stored within the IC chip, financial institutions can more effectively identify discrepancies that are invisible to the naked eye, thereby reducing the risk of impersonation-based financial crime.