{"id":2535,"date":"2025-05-10T21:19:34","date_gmt":"2025-05-10T13:19:34","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2535"},"modified":"2025-05-10T21:19:34","modified_gmt":"2025-05-10T13:19:34","slug":"%e5%a6%82%e4%bd%95%e6%b5%8b%e8%af%95%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e7%9a%84%e5%8f%af%e9%9d%a0%e6%80%a7%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/10\/%e5%a6%82%e4%bd%95%e6%b5%8b%e8%af%95%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e7%9a%84%e5%8f%af%e9%9d%a0%e6%80%a7%ef%bc%9f\/","title":{"rendered":"\ub9d0\ub808\uc774\uc2dc\uc544\uc5d0\uc11c \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc758 \uc548\uc815\uc131\uc744 \ud14c\uc2a4\ud2b8\ud558\ub294 \ubc29\ubc95\uc740 \ubb34\uc5c7\uc778\uac00\uc694?"},"content":{"rendered":"<p>\ub9d0\ub808\uc774\uc2dc\uc544 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc758 \uc2e0\ub8b0\uc131\uc744 \ud14c\uc2a4\ud2b8\ud558\ub824\uba74 \uae30\uc220, \uaddc\uc815 \uc900\uc218, \uc0ac\uc6a9\uc790 \uacbd\ud5d8, \ubcf4\uc548 \ub4f1 \uc5ec\ub7ec \uce21\uba74\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \ud3c9\uac00\ud574\uc57c \ud569\ub2c8\ub2e4. \ub2e8\uacc4\ubcc4 \uc804\ubb38 \uac00\uc774\ub4dc\ub294 \uc544\ub798\uc5d0 \ub098\uc640 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<h3>I. \uaddc\uc815 \uc900\uc218 \ubc0f \uc778\uc99d \uac80\uc99d<\/h3>\n<ol>\n<li>\n<p><strong>\uaddc\uc81c \uac80\ud1a0<\/strong><\/p>\n<ul>\n<li>\uc2dc\uc2a4\ud15c\uc774 BNM(\ubc45\ud06c \ub124\uac00\ub77c \ub9d0\ub808\uc774\uc2dc\uc544)\uc5d0\uc11c \ubc1c\uae09\ud55c \uacb0\uc81c \ub77c\uc774\uc120\uc2a4\ub97c \ubcf4\uc720\ud558\uace0 \uc788\uc74c\uc744 \ud655\uc778\ud569\ub2c8\ub2e4.<\/li>\n<li>FPX \uccad\uc0b0 \ub124\ud2b8\uc6cc\ud06c \ub4f1\ub85d\uc774 \uc644\ub8cc\ub418\uc5c8\ub294\uc9c0 \ud655\uc778\ud569\ub2c8\ub2e4(\uc740\ud589 \uac04 \uc1a1\uae08\uc5d0 \uc801\uc6a9).<\/li>\n<li>PCI DSS \ub808\ubca8 1 \uc778\uc99d \uc0c1\ud0dc \ud655\uc778(\uce74\ub4dc \uacb0\uc81c\uc758 \uacbd\uc6b0)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\ub85c\uceec\ub77c\uc774\uc81c\uc774\uc158 \uaddc\uc815 \uc900\uc218<\/strong><\/p>\n<ul>\n<li>MAS\ub97c \ud1b5\ud55c AML\/CFT \uc815\ucc45 \uc900\uc218 4\ubd80<\/li>\n<li>SMS \uc774\uc911 \uc778\uc99d\uc774 BNM\uc758 \uc804\uc790\uacb0\uc81c \uac00\uc774\ub4dc\ub77c\uc778\uc758 \uc694\uad6c \uc0ac\ud56d\uc744 \ucda9\uc871\ud558\ub294\uc9c0 \ud655\uc778\ud558\uc138\uc694.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>II. \uae30\uc220\uc801 \uc2a4\ud2b8\ub808\uc2a4 \ud14c\uc2a4\ud2b8<\/h3>\n<ol>\n<li>\n<p><strong>\ucd5c\ub300 \ucc98\ub9ac \ub2a5\ub825<\/strong><\/p>\n<ul>\n<li>\ub77c\uc57c \uc5f0\ud734 \uc218\uc900\uc758 \ud2b8\ub798\ud53d \uc2dc\ubbac\ub808\uc774\uc158(\uad8c\uc7a5 \uae30\uc900: 500TPS \uc774\uc0c1)<\/li>\n<li>FPX \uc5f0\uacb0 \uc548\uc815\uc131 \ud14c\uc2a4\ud2b8(BIMB\/\uc0cc\ub4dc\ud3ed \uc784\uacc4\uac12 \ubaa8\ub2c8\ud130\ub9c1\uc5d0 \uc9d1\uc911)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uba40\ud2f0\ucc44\ub110 \uac80\uc99d<\/strong><\/p>\n<\/li>\n<\/ol>\n<pre><code class=\"language-python\"># \uc0d8\ud50c API \ud14c\uc2a4\ud2b8 \uc2a4\ud06c\ub9bd\ud2b8 \uc608\uc81c(Postman \uc0ac\uc6a9)<br>\r\n\uac00\uc838\uc624\uae30 \uc694\uccad<br>\r\n<br>\r\n\uacb0\uc81c_\uac8c\uc774\ud2b8\uc6e8\uc774 = [<br>\r\n    \"https:\/\/api.maybank2u.com.my\",<br>\r\n    \"https:\/\/gateway.cimb.com.my\",<br>\r\n    \"https:\/\/pay.grab.com\/my\"<br>\r\n]<br>\r\n<br>\r\n\uacb0\uc81c_\uac8c\uc774\ud2b8\uc6e8\uc774\uc758 \uac8c\uc774\ud2b8\uc6e8\uc774\uc5d0 \ub300\ud574:<br>\r\n    \uc751\ub2f5 = requests.post(\uac8c\uc774\ud2b8\uc6e8\uc774 + \"\/\ud2b8\ub79c\uc7ad\uc158\"), <br>\r\n                          headers={\"Authorisation\": \"Bearer [API_KEY]\"},<br>\r\n                          json={\"amount\":100, \"currency\":\"MYR\"})<br>\r\n    \uc5b4\uc124\ud2b8 \uc751\ub2f5.\uc0c1\ud0dc_\ucf54\ub4dc == 200, f\"{\uac8c\uc774\ud2b8\uc6e8\uc774} \uc2e4\ud328\"<br>\r\n<\/code><\/pre>\n<h3>III. \ubcf4\uc548 \uac10\uc0ac \ud3ec\uc778\ud2b8<\/h3>\n<ol>\n<li><strong>\uce68\ud22c \ud14c\uc2a4\ud2b8 \ud56d\ubaa9<\/strong><\/li>\n<\/ol>\n<ul>\n<li>MEPS QR\ucf54\ub4dc \uc911\uac04\uc790 \uacf5\uaca9 \uc2dc\ubbac\ub808\uc774\uc158<\/li>\n<li>\ubd80\uc2a4\ud2b8\/\uadf8\ub7a9\ud398\uc774 \uc804\uc790\uc9c0\uac11 \ub9ac\ubc84\uc2a4 \uc5d4\uc9c0\ub2c8\uc5b4\ub9c1 \ubcf4\ud638 \ud0d0\uc9c0<\/li>\n<li>OTP \ubc84\uc2a4\ud2b8 \ubcf4\ud638 \uba54\ucee4\ub2c8\uc998 \uac80\uc99d<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li><strong>\ub370\uc774\ud130 \uc554\ud638\ud654 \ud45c\uc900<\/strong><br \/>\n\ubc18\ub4dc\uc2dc \uc900\uc218\ud574\uc57c \ud569\ub2c8\ub2e4:<\/li>\n<\/ol>\n<ul>\n<li>TLS \u22651.3(BNM GPI \ud45c\uc900)<\/li>\n<li>\ub85c\uceec\uc5d0 \uc800\uc7a5\ub41c \ub370\uc774\ud130\uc758 AES-256 \uc554\ud638\ud654<\/li>\n<\/ul>\n<p>IV. \uc2dc\ub098\ub9ac\uc624 \uae30\ubc18 \uc218\uc6a9 \ud14c\uc2a4\ud2b8 \ub9e4\ud2b8\ub9ad\uc2a4<\/p>\n<table>\n<thead>\n<tr>\n<th>\uc2dc\ub098\ub9ac\uc624<\/th>\n<th>\uc131\uacf5 \uae30\uc900<\/th>\n<th>\ud14c\uc2a4\ud2b8 \ubc29\ubc95<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>FPX \uc2dc\uac04 \ucd08\uacfc \ubcf5\uad6c<\/td>\n<td>\u22643\ucd08 \uc790\ub3d9 \uc7ac\uc2dc\ub3c4 \uba54\ucee4\ub2c8\uc998<\/td>\n<td>\ub124\ud2b8\uc6cc\ud06c \uc2a4\ub85c\ud2c0\ub9c1<\/td>\n<\/tr>\n<tr>\n<td>\ub4c0\uc787\ub098\uc6b0 QR \uc778\ud130\ub77c\uc778 \uc2a4\uce94<\/td>\n<td>&lt;800ms \ubbf8\ub9cc\uc758 \uc751\ub2f5 \uc2dc\uac04<\/td>\n<td>\uc2e4\uc81c \ub514\ubc14\uc774\uc2a4 \ud31c<\/td>\n<\/tr>\n<tr>\n<td>\uc2e0\uc6a9\uce74\ub4dc \uc794\uc561 \ubd80\uc871\uc73c\ub85c GrabPay \uacb0\uc81c<\/td>\n<td>\uc6d0\ud65c\ud55c \ud3f4\ubc31 \ud504\ub85c\uc138\uc2a4<\/td>\n<td>UI \uc790\ub3d9\ud654<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>V. \ud2b9\ubcc4 \uace0\ub824 \uc0ac\ud56d<\/p>\n<ol>\n<li><em>\uad6d\uacbd \uac04 \uc2dc\ub098\ub9ac\uc624<\/em>\ud574\uc678 \uc1a1\uae08 \uc2dc Wise\/TNG\uc758 \uc678\ud658 \uacc4\uc0b0 \uc815\ud655\ub3c4 \ucd94\uac00 \ud14c\uc2a4\ud2b8 \uc644\ub8cc<br \/>\n2.<em>\uc885\uad50\uc801 \uc694\uc778<\/em>\ud0c0\uce74\ud480 \uc81c\ud488\uc5d0 \ud544\uc694\ud55c \ubcc4\ub3c4\uc758 \uc0e4\ub9ac\uc544 \uaddc\uc815 \uc900\uc218 \ubaa8\ub4c8 \ud14c\uc2a4\ud2b8 \ud544\uc694<\/li>\n<\/ol>\n<p>\ud558\uc774\ube0c\ub9ac\ub4dc \ud504\ub85c\uadf8\ub7a8\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4:<br \/>\n70% \uc790\ub3d9\ud654(LoadRunner\/Jmeter) +<br \/>\n30% \uc218\ub3d9 \ud14c\uc2a4\ud2b8(\ub9d0\ub808\uc774\uc5b4 \uc778\ud130\ud398\uc774\uc2a4 UX\uc5d0 \uc911\uc810\uc744 \ub454)<\/p>\n<p>\ucd5c\uc885\uc801\uc73c\ub85c SSAE18 SOC2 \ubcf4\uace0\uc11c\uac00 \ud3ec\ud568\ub41c \ud3c9\uac00 \ubb38\uc11c\ub97c \uc0dd\uc131\ud558\uc5ec BNM \uae30\uc220 \uae30\ub85d\uc2e4\uc5d0 \uc81c\ucd9c\ud558\uc5ec \ubcf4\uad00\ud574\uc57c \ud569\ub2c8\ub2e4. \uc9c0\uc18d\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1\uc744 \uc704\ud574\uc11c\ub294 Touch'n Go\uc640 \uac19\uc740 \uc8fc\uc694 \ud50c\ub7ab\ud3fc\uc758 \uc6d4\ubcc4 \uac00\uc6a9\uc131 \uc9c0\ud45c\ub97c \ucd94\uc801\ud558\uae30 \uc704\ud574 Prometheus+Granfana \uce78\ubc18\uc744 \ubc30\ud3ec\ud560 \uac83\uc744 \uc81c\uc548\ud569\ub2c8\ub2e4.<\/p>\n<h3><strong>VI. \uc9c0\uc18d\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1 \ubc0f \uc131\ub2a5 \ubca4\uce58\ub9c8\ud0b9<\/strong><\/h3>\n<h4><strong>1. \uc2e4\uc2dc\uac04 \ubaa8\ub2c8\ud130\ub9c1 \uc2dc\uc2a4\ud15c \ubc30\ud3ec<\/strong><\/h4>\n<ul>\n<li>\n<p><strong>\uc8fc\uc694 \uc9c0\ud45c \ubaa8\ub2c8\ud130\ub9c1(\uad8c\uc7a5 \uc784\uacc4\uac12)<\/strong><\/p>\n<ul>\n<li>API \uc131\uacf5\ub960 \u226599.95%(5\ubd84 \uc774\ub0b4 \uc790\ub3d9 \uc54c\ub78c)<\/li>\n<li>FPX \ud074\ub9ac\uc5b4 \uc9c0\uc5f0 \u2264 2\ucd08(P99 \uac12)<\/li>\n<li>\uadf8\ub7a9\ud398\uc774\/\ud130\uce58\uc564\uace0 \uc804\uc790\uc9c0\uac11 \uac70\ub798 \uc2dc\uac04 \ucd08\uacfc\uc728 &lt;0.1%<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\ub3c4\uad6c \uad8c\uc7a5 \uc0ac\ud56d<\/strong><\/p>\n<pre><code class=\"language-bash\"># Prometheus + Grafana \ub300\uc2dc\ubcf4\ub4dc \uad6c\uc131 \uc608\uc2dc<br>\r\n  - \uacbd\uace0: \ub192\uc740FPXLatency<br>\r\n    expr: rate(fpxtransactions_latency_seconds{quantile=\"0.99\"}[5m]) &gt; 2<br>\r\n    \ub300\uc0c1: 10m<br>\r\n    \ub808\uc774\ube14.<br>\r\n      \uc2ec\uac01\ub3c4: \uc2ec\uac01<br>\r\n    \uc8fc\uc11d.<br>\r\n      \uc694\uc57d: \"FPX \ud074\ub9ac\uc5b4 \uc9c0\uc5f0\uc774 \uc784\uacc4\uac12\uc744 \ucd08\uacfc\ud588\uc2b5\ub2c8\ub2e4.\"<br>\r\n      \uc124\uba85: \"\ud604\uc7ac P99 \uc9c0\uc5f0 {{ $value }}s\"<br>\r\n<\/code><\/pre>\n<\/li>\n<\/ul>\n<h4><strong>2. SLA \uc900\uc218 \uac80\uc99d<\/strong><\/h4>\n<p>\ub9d0\ub808\uc774\uc2dc\uc544\uc758 \uc8fc\ub958 \uacb0\uc81c \ucc44\ub110\uc5d0 \ub300\ud55c \uc5c5\uacc4 \ubca4\uce58\ub9c8\ud0b9:<\/p>\n<table>\n<thead>\n<tr>\n<th>\uacf5\uae09\uc790<\/th>\n<th>\uac00\ub3d9 \uc2dc\uac04 SLA<\/th>\n<th>\ucd5c\ub300 \ud658\ubd88 \uc2dc\uac04<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\uba54\uc774\ubc45\ud06c FPX<\/td>\n<td>\u226599.9%<\/td>\n<td>\u2264\uc601\uc5c5\uc77c \uae30\uc900 3\uc77c \uc774\ub0b4<\/td>\n<\/tr>\n<tr>\n<td>\ub4c0\uc787\ub098\uc6b0 QR<\/td>\n<td>\u226599.8%<\/td>\n<td>\uc989\uc2dc<\/td>\n<\/tr>\n<tr>\n<td>\ubd80\uc2a4\ud2b8 \uc6d4\ub81b<\/td>\n<td>\u226599.7%<\/td>\n<td>\u2264 48\uc2dc\uac04 \uc774\ub0b4<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>\ud14c\uc2a4\ud2b8 \ubc29\ubc95\ub860: \ud0c0\uc0ac \ubaa8\ub2c8\ud130\ub9c1 \ub3c4\uad6c(\uc608: Pingdom \ub610\ub294 \ub274\ub810\ub9ad)\ub97c \uc0ac\uc6a9\ud558\uc5ec \uac01 \uc9c0\uc5ed\uc758 \uc0ac\uc6a9\uc790 \uc694\uccad\uc744 \uc2dc\ubbac\ub808\uc774\uc158\ud569\ub2c8\ub2e4.<\/em><\/p>\n<hr>\n<h3><strong>VII. \uacbd\uacc4\uc120 \uc0ac\ub840\uc5d0 \ub300\ud55c \ud2b9\ubcc4 \uac80\uc0ac<\/strong><\/h3>\n<p>\ub9d0\ub808\uc774\uc2dc\uc544\uc758 \ub3c5\ud2b9\ud55c \uae08\uc735 \ud658\uacbd\uc5d0 \ub9de\ub294 \ube44\uc815\uc0c1\uc801\uc778 \uc2dc\ub098\ub9ac\uc624\ub97c \uc124\uacc4\ud569\ub2c8\ub2e4:<\/p>\n<ol>\n<li><strong>\ud1b5\uc2e0 \ub124\ud2b8\uc6cc\ud06c \ubcc0\ub3d9 \uc2dc\ubbac\ub808\uc774\uc158<\/strong>\n<ul>\n<li>\uc140\ucf64\/\ub514\uc9c0 \ucde8\uc57d \ub124\ud2b8\uc6cc\ud06c \ud658\uacbd(3G\/\uc5e3\uc9c0 \ub124\ud2b8\uc6cc\ud06c): \ub4c0\uc787\ub098\uc6b0 QR \uc624\ud504\ub77c\uc778 \ucf54\ub4dc \uc0dd\uc131 \uae30\ub2a5 \uac80\uc99d<\/li>\n<\/ul>\n<pre><code class=\"language-java\">\/\/ \uc548\ub4dc\ub85c\uc774\ub4dc \uc5d0\ubbac\ub808\uc774\ud130 \ub124\ud2b8\uc6cc\ud06c \uc18d\ub3c4 \uc81c\ud55c \uba85\ub839(ADB)<br>\r\n\uad11\uace0 \uc178 svc \ub370\uc774\ud130 \ube44\ud65c\uc131\ud654 &amp;&amp; \uad11\uace0 \uc178 \uc124\uc815 \uae00\ub85c\ubc8c \ucea1\ud2f0\ube0c_\ud3ec\ud138_\ubaa8\ub4dc 0\uc744 \ub123\uc2b5\ub2c8\ub2e4. <br>\r\n<\/code><\/pre>\n<\/li>\n<\/ol>\n<p>2.<strong>\uc774\uc911 \ud1b5\ud654 \uc2dc\ub098\ub9ac\uc624<\/strong><\/p>\n<ul>\n<li>MYR\/SGD \ud558\uc774\ube0c\ub9ac\ub4dc \uacb0\uc81c\uc758 \uacbd\uc6b0 \ud658\uc728 \uc7a0\uae08 \ub85c\uc9c1\uc774 BNM\uc758 \uad6d\uacbd \uac04 \uacb0\uc81c \uac00\uc774\ub4dc\ub77c\uc778 7\uc7a5\uc744 \uc900\uc218\ud558\ub294\uc9c0 \ud655\uc778\ud558\uc138\uc694.<\/li>\n<\/ul>\n<p>3.<strong>\uc774\uc2ac\ub78c \uae08\uc735\uc5d0 \ub300\ud55c \ud2b9\ubcc4 \uaddc\uc815<\/strong><\/p>\n<ul>\n<li>\uc804\uc790\uc9c0\uac11 \uc794\uc561\uc744 \uc0ac\uc6a9\ud558\uc9c0 \uc54a\uc744 \ub54c \"\ub9ac\ubc14\" \uc774\uc790\uac00 \ubc1c\uc0dd\ud558\ub098\uc694? \uc0e4\ub9ac\uc544 \uac10\uc0ac\ub294 \uc0cc\ub4dc\ubc15\uc2a4 \ud658\uacbd\uc5d0\uc11c \uc218\ud589\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h3><strong>VIII. \uc0ac\uc6a9\uc790 \ud589\ub3d9 \uc2dc\ubbac\ub808\uc774\uc158 \ud14c\uc2a4\ud2b8<\/strong><\/h3>\n<p>\uc2e4\uc81c \ub9d0\ub808\uc774\uc5b4 \uc0ac\uc6a9\uc790 \ud504\ub85c\ud544\uc744 \uc0ac\uc6a9\ud558\uc5ec \uc5d4\ub4dc\ud22c\uc5d4\ub4dc \ud504\ub85c\uc138\uc2a4 \uc720\ud6a8\uc131 \uac80\uc0ac\ub97c \uc218\ud589\ud569\ub2c8\ub2e4:<\/p>\n<pre><code class=\"language-python\"># \uc140\ub808\ub284 \uc790\ub3d9\ud654 \uc2a4\ud06c\ub9bd\ud2b8 \uc608\uc2dc(\ub9d0\ub808\uc774\uc5b4 \uc778\ud130\ud398\uc774\uc2a4 \uac10\uc9c0 \ud3ec\ud568)<br>\r\n\uc140\ub808\ub284\uc5d0\uc11c \uc6f9 \ub4dc\ub77c\uc774\ubc84 \uac00\uc838\uc624\uae30<br>\r\n<br>\r\nprofile = \uc6f9\ub4dc\ub77c\uc774\ubc84.\ud30c\uc774\uc5b4\ud3ed\uc2a4\ud504\ub85c\ud544()<br>\r\nprofile.set_preference(\"intl.accept_\uc5b8\uc5b4\", \"ms-my\") # \ub9d0\ub808\uc774\uc5b4 \ud658\uacbd \uac15\uc81c \uc124\uc815 <br>\r\n\ub4dc\ub77c\uc774\ubc84 = \uc6f9\ub4dc\ub77c\uc774\ubc84.\ud30c\uc774\uc5b4\ud3ed\uc2a4(\ud504\ub85c\ud544) <br>\r\n<br>\r\ndef test_duitnow_transfer().<br>\r\n    driver.get(\"https:\/\/pay.bankislam.com.my\")<br>\r\n    driver.title # \ud604\uc9c0\ud654 \ud0a4\uc6cc\ub4dc \ud655\uc778\uc5d0\uc11c \"\ub85c\uadf8 \ub9c8\uc219\"\uc744 \uc8fc\uc7a5\ud569\ub2c8\ub2e4.<br>\r\n    <br>\r\n<\/code><\/pre>\n<hr>\n<p>IX. \ubcf4\uc548 \uaddc\uc815 \uc900\uc218 \uc7ac\ud655\uc778 \uccb4\ud06c\ub9ac\uc2a4\ud2b8<\/p>\n<p>\u2705 BNMFTPSS \ud45c\uc900\uc758 \ubd80\ub85d C\uc5d0\uc11c \uc694\uad6c\ud558\ub294 \ud0a4 \uad50\uccb4 \uc8fc\uae30(90\uc77c \uc774\ud558)<br \/>\n\u2705 NRD \ub370\uc774\ud130\ubca0\uc774\uc2a4\uc640 MyKAD \uc2e4\uba85 \uc778\uc99d \uc778\ud130\ud398\uc774\uc2a4\uc758 \uc77c\uad00\uc131 \ud655\uc778<br \/>\n\u2705 \uadf8\ub7a9\ud398\uc774 \ubd84\ud560 \uae30\ub2a5\uc774 2013\ub144 \uae08\uc735 \uc11c\ube44\uc2a4\ubc95 134\uc870\ub97c \uc900\uc218\ud558\ub294\uc9c0 \uc5ec\ubd80<\/p>\n<hr>\n<p>X. \ucd5c\uc885 \ubcf4\uace0\uc11c \ucd9c\ub825 \ud15c\ud50c\ub9bf<\/p>\n<pre><code class=\"language-markdown\"># \ub9d0\ub808\uc774\uc2dc\uc544 \uacb0\uc81c \uc2dc\uc2a4\ud15c \uc2e0\ub8b0\uc131 \ubcf4\uace0\uc11c<br>\r\n<br>\r\n \uacbd\uc601\uc9c4 \uc694\uc57d <br>\r\n[\uc2dc\uc2a4\ud15c \uac1c\uc694]<br>\r\n<br>\r\n \uc911\uc694 \uacb0\uacfc <br>\r\n1.[FPX \uc77c\uad04 \ud2b8\ub79c\uc7ad\uc158\uc758 \uacbd\uc6b0 500 TPS \uc774\uc0c1\uc5d0\uc11c MySQL \uad50\ucc29 \uc0c1\ud0dc]<br>\r\n2. [\uc0ac\ub77c\uc641\uc758 \uc77c\ubd80 Digi \uc0ac\uc6a9\uc790\uac00 QR\ucf54\ub4dc \uc2a4\uce94 \uc2dc\uac04 \ucd08\uacfc\ub97c \uacbd\ud5d8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.]<br>\r\n<br>\r\n \uaddc\uc815 \uc900\uc218 \uc0c1\ud0dc <br>\r\n\u2714\ufe0f PCI DSS v4.0 \uc81c\uc5b4 \ubaa9\ud45c [8,11] \ud1b5\uacfc <br>\r\n<br>\r\n \uac1c\uc120 \uacc4\ud68d <br>\r\n4\ubd84\uae30 \ubaa9\ud45c: Touch'n Go NFC \uacb0\uc81c\ub97c \uc704\ud55c 100ms \uc751\ub2f5 \ucd5c\uc801\ud654 \ub2ec\uc131(KLIA \uce21\uc815 \ub370\uc774\ud130 \ucc38\uc870)<br>\r\n<\/code><\/pre>\n<p>\ud2b9\ud788 \ud558\ub9ac \ub77c\uc57c\/GST \uc815\ucc45 \ubcc0\uacbd\uacfc \uac19\uc740 \uc911\uc694\ud55c \uc2dc\uc810 \uc804\uc5d0 \ubd84\uae30\ubcc4\ub85c \uc804\uccb4 \ud68c\uadc0 \ud14c\uc2a4\ud2b8\ub97c \uc2e4\ud589\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc740\ud589 \uc870\uc9c1\uc758 \uacbd\uc6b0, \ucd94\uac00\uc801\uc778 BNM \ubd88\uc2dc \uac10\uc0ac \ubbf8\ub9ac \ubcf4\uae30\ub97c \uc900\ube44\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"<p>\ub9d0\ub808\uc774\uc2dc\uc544 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc758 \uc2e0\ub8b0\uc131\uc744 \ud14c\uc2a4\ud2b8\ud558\ub824\uba74 \ub2e4\uc74c\uacfc \uac19\uc740 \uc5ec\ub7ec \uce21\uba74\uc744 \ud3ec\uad04\ud558\ub294 \uccb4\uacc4\uc801\uc778 \ud3c9\uac00\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[30],"tags":[],"class_list":["post-2535","post","type-post","status-publish","format-standard","hentry","category-30"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - 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