令和8年度 ITパスポート試験問28

This question's explanation and your answers so far.

問28

頻出度★★☆

インターネット上の商取引に関連したリスクのうち，エスクローサービスを利用することによって低減できるリスクとして，適切なものはどれか。

出典　令和8年度 ITパスポート試験問28

解説

問 28

Incorrectア
This is a matter of an input mistake (entering the wrong purchase amount on an auction site) and whether the transaction can be canceled. An escrow service, which only mediates the exchange of payment and goods between the parties, cannot prevent it.
イ
正解 An escrow service is a mechanism in which a trusted third party is placed between the parties to a transaction and temporarily holds the payment made by the buyer. The third party hands the payment to the seller only after the buyer has confirmed receipt of the goods. This therefore reduces the risk that the buyer pays but the goods never arrive (the seller takes the payment yet does not ship). Hence “イ” is correct.
Incorrectウ
A password leak is an information-security issue involving the management of authentication credentials and the encryption of communications. It is unrelated to an escrow service, which holds the payment, so the service cannot reduce it.
Incorrectエ
Whether the order can be canceled for personal reasons after the goods have been received is a matter of contract terms, cooling-off rules, and the like. It falls outside the scope of an escrow service, which mediates payment and delivery of the goods.

ここがポイント

An escrow service is a mechanism in which a trusted third party temporarily holds the buyer's payment and pays it to the seller only after the buyer confirms receipt of the goods, reducing the risk that payment is made but the goods never arrive.
Among the various risks of online commerce (input mistakes, password leaks, whether an order can be canceled), distinguish that escrow is effective only for those involving the exchange of payment for receipt of goods.

用語

解答問28イ