DOCOMO Account Expert “Reviewing Standards and Measures across the Industry” September 9, 18:34
NTT DOCOMO’s DOCOMO Account is an electronic payment service that allows you to shop and transfer money over the Internet by depositing money from registered bank accounts, convenience stores, etc.
Even if you do not use NTT DOCOMO’s mobile phone, you can open and use a docomo account.
“Docomo Account” is characterized by its ease of opening compared to bank savings accounts.
When opening an account, first create an ID called “d account”.
In this case, the only information required to verify your identity is your email address, and your mobile phone number is not required.
Then, if you enter a six-digit number that arrives at this e-mail address within 10 minutes, you will be able to “d account” and open a docomo account.
After that, if you do the operation of stringing the bank account and the bank’s savings account, it is possible to transfer up to 300,000 yen a month from the bank account to the docomo account.
To link your docomo account to your bank account, you must enter the information that each bank has set, such as your name, account number, cash card PIN, and date of birth.
According to NTT DOCOMO, only one docomo account can be registered in a bank account.
This means that a third party cannot strap another docomo account to a bank account that already has a docomo account attached to it and use it illegally.
Experts: “Reviewing standards and measures across the industry”
Masanori Tsuji, who is well-informed about financial information security and serves as an assistant to the government’s chief information officer, said, “As more and more people are using cashless services, the security weakness of the system has been exposed. We need to review standards and measures across the industry.”
The docomo Account payment service allows you to open an account by taking an account if you have an e-mail address.
This time, the criminal is believed to have misused this mechanism to open a docomo account pretending to be someone other person and withdraw the deposit from the bank using the name, account number, and PIN number of the bank account that was found in some way.
At the time of opening a DOCOMO account, Mr. Tsuji pointed out that the mechanism of identity verification, such as stringing with the number of a mobile phone, was weak.
On the other hand, this time, the bank’s system, which had been damaged by withdrawing deposits, also pointed out the sweetness of security, as it seems that it did not use a mechanism to check the balance of the bankbook and verify the identity when working with docomo accounts.
“Electronic payment services such as docomo accounts are becoming more popular, but security measures are less common than Internet banking, and there is a possibility that such damage will occur again. We need to strengthen our identity verification and authentication mechanisms.”