令和5年度 ITパスポート試験問22

This question's explanation and your answers so far.

問22

頻出度★★☆

資金決済法における前払式支払手段に該当するものはどれか。

出典　令和5年度 ITパスポート試験問22

解説

問 22

Incorrectア
A service that makes transfers or remittances from a deposit account is classified under the Payment Services Act as an “exchange transaction (funds transfer business).” It is not a voucher that records prepaid value, so it is not a prepaid payment instrument.
Incorrectイ
A crypto asset is regulated by the Payment Services Act, but it falls under a separate category called “crypto assets,” and differs in nature from a prepaid payment instrument, which is issued by paying consideration to the issuer in advance and records an amount.
ウ
正解 A prepaid payment instrument refers to a voucher or similar record that the user obtains by paying consideration in advance, on which an amount or quantity is recorded, and which can then be used within that range to pay for goods or services. Choice ウ, “a gift voucher with no expiration date that can be used in common at department stores and shops nationwide,” is a voucher purchased by paying in advance and fits this definition exactly, making it a prepaid payment instrument (paper type). Therefore ウ is correct.
Incorrectエ
Points granted for free as a bonus for purchasing goods are not acquired by the user paying consideration. They do not meet the prepaid payment instrument requirement of being “issued in exchange for consideration,” so they do not qualify.

ここがポイント

The three requirements of a prepaid payment instrument = “issued in exchange for consideration, records an amount or quantity, and used to pay for goods or services.” Gift vouchers and prepaid cards are typical examples.
The Payment Services Act separately regulates prepaid payment instruments, funds transfers (exchange transactions), and crypto assets. Points granted for free have no consideration and fall outside its scope.

用語

解答問22ウ