{"id":2634,"date":"2025-05-13T10:49:34","date_gmt":"2025-05-13T02:49:34","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2634"},"modified":"2025-05-13T10:49:34","modified_gmt":"2025-05-13T02:49:34","slug":"%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e6%b2%99%e7%ae%b1%e7%8e%af%e5%a2%83%e6%90%ad%e5%bb%ba%e4%b8%8e%e6%b5%8b%e8%af%95","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/13\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e6%b2%99%e7%ae%b1%e7%8e%af%e5%a2%83%e6%90%ad%e5%bb%ba%e4%b8%8e%e6%b5%8b%e8%af%95\/","title":{"rendered":"\ud544\ub9ac\ud540 \uacb0\uc81c \uc2dc\uc2a4\ud15c \uc0cc\ub4dc\ubc15\uc2a4 \ud658\uacbd \uc124\uc815 \ubc0f \ud14c\uc2a4\ud2b8"},"content":{"rendered":"<h1>\ud544\ub9ac\ud540 \uacb0\uc81c \uc2dc\uc2a4\ud15c \uc0cc\ub4dc\ubc15\uc2a4 \ud658\uacbd \uc124\uc815 \ubc0f \ud14c\uc2a4\ud2b8 \uac00\uc774\ub4dc<\/h1>\n<h2>\uc18c\uac1c: \ud544\ub9ac\ud540\uc758 \ub514\uc9c0\ud138 \uacb0\uc81c \uac1c\ubc1c \ud604\ud669<\/h2>\n<p>\ub3d9\ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \ub514\uc9c0\ud138 \uacbd\uc81c \uad6d\uac00 \uc911 \ud558\ub098\uc778 \ud544\ub9ac\ud540\uc740 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc5d0\uc11c \uc804\ub840 \uc5c6\ub294 \ubcc0\ud654\ub97c \uacbd\ud5d8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud544\ub9ac\ud540 \uc911\uc559\uc740\ud589(BSP)\uc774 \uae08\uc735 \ud3ec\uc6a9 \uc804\ub7b5\uc744 \ucd94\uc9c4\ud568\uc5d0 \ub530\ub77c \uc810\uc810 \ub354 \ub9ce\uc740 \uae08\uc735 \uae30\uad00\uacfc \ud540\ud14c\ud06c \uae30\uc5c5\uc774 \ud601\uc2e0\uc801\uc778 \uacb0\uc81c \uc194\ub8e8\uc158\uc744 \ud14c\uc2a4\ud2b8\ud558\uae30 \uc704\ud574 \uaddc\uc815\uc744 \uc900\uc218\ud558\ub294 \uc0cc\ub4dc\ubc15\uc2a4 \ud658\uacbd\uc744 \uad6c\ucd95\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774 \ubb38\uc11c\uc5d0\uc11c\ub294 \ud544\ub9ac\ud540\uc5d0\uc11c \uaddc\uc815\uc744 \uc900\uc218\ud558\ub294 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc6a9 \uc0cc\ub4dc\ubc15\uc2a4 \ud658\uacbd\uc744 \uad6c\ucd95\ud558\uace0 \ud6a8\uacfc\uc801\uc73c\ub85c \ud14c\uc2a4\ud2b8\ud558\ub294 \ubc29\ubc95\uc744 \uc790\uc138\ud788 \uc124\uba85\ud569\ub2c8\ub2e4.<\/p>\n<h2>1\ubd80: \ud544\ub9ac\ud540 \uacb0\uc81c \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c \uc774\ud574\ud558\uae30<\/h2>\n<h3>1.1 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc5d0 \ub300\ud55c BSP \uaddc\uc815 \uc694\uac74<\/h3>\n<p>\ud544\ub9ac\ud540 \uae08\uc735\uac10\ub3c5\uccad(BSP)\uc740 \ubaa8\ub4e0 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc758 \uc6b4\uc601\uc744 \uac10\ub3c5\ud558\ub294 \ud544\ub9ac\ud540\uc758 \uc8fc\uc694 \uae08\uc735 \uaddc\uc81c \uae30\uad00\uc785\ub2c8\ub2e4. BSP Circular No. 1085(2020)\uc5d0 \ub530\ub77c \ubaa8\ub4e0 \uc2e0\uaddc \uc804\uc790 \ud654\ud3d0 \ubc1c\ud589\uc5c5\uccb4\uc640 \uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\ub294 \uc6b4\uc601 \ub77c\uc774\uc120\uc2a4\ub97c \ucde8\ub4dd\ud558\uae30 \uc704\ud574 \uc5c4\uaca9\ud55c \ud14c\uc2a4\ud2b8 \uc808\ucc28\ub97c \uac70\uccd0\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<h3>1.2 NRPS(\uad6d\uac00 \uc18c\ub9e4 \uacb0\uc81c \uc2dc\uc2a4\ud15c)<\/h3>\n<p>NRPS\ub294 BSP\uac00 \uc8fc\ub3c4\ud558\ub294 \ud604\ub300\ud654\ub41c \uc18c\ub9e4 \uacb0\uc81c \uc778\ud504\ub77c\ub85c, \ub450 \uac00\uc9c0 \uc8fc\uc694 \uc2e4\uc2dc\uac04 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc778 InstaPay\uc640 PESONet\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc2dc\uc2a4\ud15c\uc5d0 \uc561\uc138\uc2a4\ud558\ub294 \ubaa8\ub4e0 \uc194\ub8e8\uc158\uc740 \uba3c\uc800 \uaca9\ub9ac\ub41c \ud658\uacbd\uc5d0\uc11c \ubcf4\uc548 \ubc0f \uc0c1\ud638 \uc6b4\uc6a9\uc131\uc744 \uac80\uc99d\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<h3>1.3 AML\/CFT \uc900\uc218 \uc694\uac74<\/h3>\n<p>\uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0(AML) \ubc0f \ud14c\ub7ec \uc790\uae08 \uc870\ub2ec \ubc29\uc9c0(CFT) \uaddc\uc815\uc5d0 \ub530\ub77c \uc0c8\ub85c \uac1c\ubc1c\ub41c \ubaa8\ub4e0 \uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1 \uc54c\uace0\ub9ac\uc998\uc740 \uc6b4\uc601 \ud658\uacbd\uc5d0 \ubc30\ud3ec\ud558\uae30 \uc804\uc5d0 \ud1b5\uc81c\ub41c \ud658\uacbd\uc5d0\uc11c \uadf8 \ud6a8\uacfc\ub97c \uc785\uc99d\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<h2>2\ubd80: \uc0cc\ub4dc\ubc15\uc2a4 \ud658\uacbd\uc744 \uc790\uc138\ud788 \uad6c\ucd95\ud558\ub294 \ub2e8\uacc4<\/h2>\n<h3>2.1 \uae30\uc220 \uc544\ud0a4\ud14d\ucc98 \ud504\ub85c\uadf8\ub7a8 \uc815\uc758\ud558\uae30<\/h3>\n<p>\uc77c\ubc18\uc801\uc778 \ud544\ub9ac\ud540 \ud604\uc9c0\ud654 \uc0cc\ub4dc\ubc15\uc2a4\uc5d0\ub294 \ub2e4\uc74c \uad6c\uc131 \uc694\uc18c\uac00 \ud3ec\ud568\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4:<\/p>\n<ul>\n<li>API \uac8c\uc774\ud2b8\uc6e8\uc774 \uc2dc\ubbac\ub808\uc774\ud130<\/li>\n<li>InstaPay\/PESONet \uc778\ud130\ud398\uc774\uc2a4 \uc5d0\ubbac\ub808\uc774\ud130<\/li>\n<li>GCash\/PayMaya \ubc0f \uae30\ud0c0 \uc8fc\uc694 \uc804\uc790\uc9c0\uac11 \uc5d0\ubbac\ub808\uc774\uc158 \ub2e8\ub9d0\uae30<\/li>\n<li>BDO, BPI \ub4f1\uacfc \uac19\uc740 \uc8fc\uc694 \ubc45\ud0b9 \ud575\uc2ec \uc2dc\uc2a4\ud15c\uc758 \uac00\uc0c1 \ubc84\uc804\uc785\ub2c8\ub2e4.<\/li>\n<li>NRPS \uccad\uc0b0 \uc13c\ud130 \uc2dc\ubbac\ub808\uc774\uc158 \ub178\ub4dc<\/li>\n<\/ul>\n<p>\ub2e4\uc591\ud55c \ud14c\uc2a4\ud2b8 \uc2dc\ub098\ub9ac\uc624\uc758 \uc2e0\uc18d\ud55c \ud655\uc7a5 \ubc0f \ubcf5\uc81c\ub97c \uc704\ud574\uc11c\ub294 \ucee8\ud14c\uc774\ub108\ud654\ub41c \ubc30\ud3ec(Docker\/Kubernetes)\ub97c \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n<h3>2.2 BSP \uc778\uc99d \ub370\uc774\ud130 \ubcf4\uc548 \uc870\uce58\uc758 \uad6c\ud604<\/h3>\n<p>\ub370\uc774\ud130 \uac1c\uc778\uc815\ubcf4 \ubcf4\ud638\ubc95(RA10173)\uc5d0 \ub530\ub77c \uc774\ub294 \ubc18\ub4dc\uc2dc \ubcf4\uc7a5\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4:<\/p>\n<ul>\n<li>TLS1.3 \uc554\ud638\ud654 \uc804\uc1a1 \uacc4\uce35 \ubcf4\ud638<\/li>\n<li>PCI DSS \ub808\ubca8 4 \uc774\uc0c1\uc758 \ud45c\uc900 \uce74\ub4dc \ub370\uc774\ud130 \ucc98\ub9ac \uba54\ucee4\ub2c8\uc998<\/li>\n<li>\ubbfc\uac10\ud55c \uc815\ubcf4\ub97c \uc800\uc7a5\ud558\uae30 \uc704\ud55c AES256 \uc554\ud638\ud654<\/li>\n<\/ul>\n<h2>\ud30c\ud2b8 III: \ud544\ub9ac\ud540 \uacb0\uc81c \uc0cc\ub4dc\ubc15\uc2a4 \ud14c\uc2a4\ud2b8 \ud504\ub85c\uc138\uc2a4<\/h2>\n<h3><strong>3.1 \uae30\ub2a5 \ud14c\uc2a4\ud2b8<\/strong><\/h3>\n<p>\uc0cc\ub4dc\ubc15\uc2a4 \ud658\uacbd\uc5d0\uc11c \uac00\uc7a5 \uba3c\uc800 \ud655\uc778\ud574\uc57c \ud558\ub294 \uac83\uc740 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc758 \uae30\ubcf8 \uae30\ub2a5\uc774 \uae30\ub300\uce58\ub97c \ucda9\uc871\ud558\ub294\uc9c0 \ud655\uc778\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \uc8fc\uc694 \ud14c\uc2a4\ud2b8\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4:<\/p>\n<ul>\n<li><strong>\uac70\ub798 \uc2dc\uc791 \ubc0f \ucc98\ub9ac<\/strong>\ubaa8\ubc14\uc77c \uc571, \uc6f9 \ud398\uc774\uc9c0 \ub610\ub294 POS \ub2e8\ub9d0\uae30\ub97c \ud1b5\ud574 \uc0ac\uc6a9\uc790\uac00 \uacb0\uc81c \uc694\uccad\uc744 \uc2dc\uc791\ud558\ub294 \uac83\uc744 \uc2dc\ubbac\ub808\uc774\uc158\ud558\uc5ec \uac70\ub798\uac00 \ub300\uc0c1 \uacc4\uc815\uc73c\ub85c \uc62c\ubc14\ub974\uac8c \ub77c\uc6b0\ud305\ub418\ub294\uc9c0 \ud655\uc778\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>InstaPay\/PESO Net \ud1b5\ud569<\/strong>\uc2e4\uc2dc\uac04 \uc1a1\uae08(InstaPay) \ubc0f \ub300\ub7c9 \uccad\uc0b0(PESONet)\uc5d0 \ub300\ud55c \uc778\ud130\ud398\uc774\uc2a4 \ud638\ud658\uc131\uc744 \ud14c\uc2a4\ud2b8\ud558\uc5ec BSP \uc0ac\uc591\uc744 \uc900\uc218\ud558\ub294\uc9c0 \ud655\uc778\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc804\uc790\uc9c0\uac11 \uc0c1\ud638 \uc791\uc6a9<\/strong>(\uc608: GCash, PayMaya): \ucda9\uc804, \uc1a1\uae08, \uccad\uad6c\uc11c \uacb0\uc81c \ub4f1\uc774 \uc81c\ub300\ub85c \uc791\ub3d9\ud558\ub294\uc9c0 \ud655\uc778\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc740\ud589 \ud575\uc2ec \uc2dc\uc2a4\ud15c \uc778\ud130\ud398\uc774\uc2a4<\/strong>(\uc608: BDO, BPI \ub4f1): \uacc4\uc88c \uc794\uc561 \uc870\ud68c, \ucd9c\uae08 \ubc0f \uc0c1\uacc4 \uac70\ub798\uc758 \uc815\ud655\uc131\uc744 \ud655\uc778\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h3><strong>3.2 \uc131\ub2a5 \ubc0f \ubd80\ud558 \ud14c\uc2a4\ud2b8<\/strong><\/h3>\n<p>\ud544\ub9ac\ud540\uc5d0\uc11c \ub514\uc9c0\ud138 \uacb0\uc81c\uac00 \ube60\ub974\uac8c \uc131\uc7a5\ud568\uc5d0 \ub530\ub77c \uc2dc\uc2a4\ud15c\uc5d0 \ub192\uc740 \ub3d9\uc2dc \ucc98\ub9ac \ub2a5\ub825\uc774 \uc694\uad6c\ub418\ubbc0\ub85c \ub2e4\uc74c\uacfc \uac19\uc740 \uc2a4\ud2b8\ub808\uc2a4 \ud14c\uc2a4\ud2b8\uac00 \ud544\uc694\ud569\ub2c8\ub2e4:<\/p>\n<ul>\n<li><strong>TPS(\ucd08\ub2f9 \ud2b8\ub79c\uc7ad\uc158 \uc218) \ud3c9\uac00<\/strong>\uc2dc\ubbac\ub808\uc774\uc158 \uc0ac\uc6a9\uc790 \uc218\ub97c \uc810\ucc28\uc801\uc73c\ub85c \ub298\ub9ac\uace0 \uc2dc\uc2a4\ud15c\uc758 \ucc98\ub9ac\ub7c9 \uc81c\ud55c \ubc0f \uc751\ub2f5 \uc2dc\uac04 \ubcc0\ud654\ub97c \uad00\ucc30\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\ud53c\ud06c \ud750\ub984 \uc2dc\ubbac\ub808\uc774\uc158<\/strong>(\uc608: \uae09\uc5ec\uc77c \ub610\ub294 \uc804\uc790\uc0c1\uac70\ub798 \ud504\ub85c\ubaa8\uc158 \uae30\uac04): \uc11c\ubc84 \ub9ac\uc18c\uc2a4 \uc0ac\uc6a9\ub7c9\uc744 \uac10\uc9c0\ud558\uc5ec \ud504\ub85c\ub355\uc158 \ud658\uacbd \ucda9\ub3cc\uc758 \uc704\ud5d8\uc744 \ubc29\uc9c0\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\ub370\uc774\ud130\ubca0\uc774\uc2a4 \uc77d\uae30\/\uc4f0\uae30 \ucd5c\uc801\ud654 \ubd84\uc11d<\/strong>SQL \ucffc\ub9ac \ud6a8\uc728\uc131\uc744 \ubb38\uc11c\ud654\ud558\uace0 \uc778\ub371\uc2f1 \uc804\ub7b5\uc744 \uc870\uc815\ud558\uc5ec \uc815\uc0b0 \uc18d\ub3c4\ub97c \uac1c\uc120\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h3><strong>3.3 \ubcf4\uc548 \ubc0f \uaddc\uc815 \uc900\uc218 \uac10\uc0ac<\/strong><\/h3>\n<h4><strong>(1) PCI DSS \uc900\uc218 \ud655\uc778<\/strong><\/h4>\n<p>\uc740\ud589 \uce74\ub4dc \ub370\uc774\ud130 \uc800\uc7a5 \ubc0f \uc804\uc1a1\uacfc \uad00\ub828\uc774 \uc788\uc73c\ubbc0\ub85c \uc774\ub97c \ucda9\uc871\ud574\uc57c \ud569\ub2c8\ub2e4:<br \/>\n\u2714\ufe0f PAN(\uae30\ubcf8 \uacc4\uc815 \ubc88\ud638) \uc554\ud638\ud654 \uc800\uc7a5 \ubc0f \ube44\uac00\uc5ed\uc801 \ubcf5\ud638\ud654<br \/>\n\u2714\ufe0f CVV\/CVC\ub294 \uc9c0\uc0c1\uc5d0 \ubcf4\uad00\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<br \/>\n\u2714\ufe0f \uc815\uae30 \ucde8\uc57d\uc810 \uc2a4\uce94 \ubc0f ASV \ubaa8\uc758 \uce68\ud22c \ud14c\uc2a4\ud2b8 \ubcf4\uace0\uc11c \uc81c\ucd9c<\/p>\n<h4><strong>(2) BSP \uc0ac\uae30 \ubc29\uc9c0 \uaddc\uce59 \uc720\ud6a8\uc131 \uac80\uc0ac<\/strong><\/h4>\n<p>\uc804\uc790 \ud654\ud3d0 \ubc1c\ud589\uc790\ub97c \uc704\ud55c \ub9ac\uc2a4\ud06c \uad00\ub9ac \uac00\uc774\ub4dc\ub77c\uc778\uc5d0 \ub530\ub77c \uc0cc\ub4dc\ubc15\uc2a4\uc5d0\uc11c\uc758 \uc2dc\ubbac\ub808\uc774\uc158\uc774 \ud544\uc694\ud569\ub2c8\ub2e4:<br \/>\n\u2705 \uace0\ube48\ub3c4 \uc18c\uc561 \uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1(\uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0 \ubaa8\ub4dc \ud2b8\ub9ac\uac70)<br \/>\n\u2705 IP \uc9c0\ub9ac\uc801 \uc704\uce58 \uc774\uc0c1 \uc54c\ub9bc(\uc608: \ub9c8\ub2d0\ub77c \uc0ac\uc6a9\uc790\uac00 \uac11\uc790\uae30 \ub450\ubc14\uc774\uc5d0\uc11c \ub85c\uadf8\uc778\ud558\ub294 \uacbd\uc6b0)<br \/>\n\u2705 SIM \uce74\ub4dc \uad50\uccb4 \ub3d9\uc791 \uc778\uc2dd(GSM \ud558\uc774\uc7ac\ud0b9 \uacf5\uaca9 \ubc29\uc9c0)<\/p>\n<hr>\n<h2>\ud30c\ud2b8 IV: BSP \uaddc\uc815 \uc81c\ucd9c \ubc0f \uc2b9\uc778 \uc900\ube44<\/h2>\n<p>\ub0b4\ubd80 \ud14c\uc2a4\ud2b8\uac00 \uc644\ub8cc\ub418\uba74 \uae30\uc5c5\uc740 \uacf5\uc2dd \uc6b4\uc601 \ub77c\uc774\uc120\uc2a4\ub97c \uc2e0\uccad\ud558\uae30 \uc704\ud574 \ub2e4\uc74c \uc11c\ub958\ub97c \ud544\ub9ac\ud540 \uc911\uc559\uc740\ud589(Bangko Sentral ng Pilipinas)\uc5d0 \uc81c\ucd9c\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\"\uc0cc\ub4dc\ubc15\uc2a4 \uc6b4\uc601 \uc694\uc57d \ubcf4\uace0\uc11c\"\uc5d0\ub294 6\uac1c\uc6d4 \uc774\uc0c1\uc758 \uc548\uc815\uc131 \ub370\uc774\ud130\uac00 \ud3ec\ud568\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n\ud83d\udccc \ud0c0\uc0ac \ubcf4\uc548 \ud68c\uc0ac\uc758 SOC2 Type II \uac10\uc0ac \uc778\uc99d<br \/>\nNRPS \uc0c1\ud638 \uc6b4\uc6a9\uc131 \uc778\uc99d \ubb38\uc11c(\uc561\uc13c\uce04\uc5b4 \ub610\ub294 BSP \uc9c0\uc815 \uc5f0\uad6c\uc18c\uc5d0\uc11c \ubc1c\ud589)<\/p>\n<p>\uc77c\ubc18\uc801\uc73c\ub85c \uc2b9\uc778 \uc8fc\uae30\ub294 90\uc77c\uc774\uba70, \uadf8\ub808\uc774 \uc2a4\ucf00\uc77c \ub9b4\ub9ac\uc2a4\ub97c \uc704\ud574 \uc804\ud658 \ud658\uacbd\uc744 \ubbf8\ub9ac \ubc30\ud3ec\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<hr>\n<h2>SEO \ucd5c\uc801\ud654 \ud301<\/h2>\n<p>\uc774 \uae00\uc740 \uc8fc\uc694 \uac80\uc0c9\uc5b4\uc5d0 \uc790\uc5f0\uc2a4\ub7fd\uac8c \ud1b5\ud569\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<br \/>\n\u2192 \"\ud544\ub9ac\ud540 \uacb0\uc81c \uc2dc\uc2a4\ud15c \uaddc\uc815 \uc900\uc218\"<br \/>\n\u2192 \"BSP \uc0cc\ub4dc\ubc15\uc2a4 \uc694\uad6c \uc0ac\ud56d\"<br \/>\n\u2192 \"InstaPay \uc778\ud130\ud398\uc774\uc2a4 \uac1c\ubc1c\"<br \/>\n\u2192 \"GCash \uae30\uc220 \ub3c4\ud0b9\"<\/p>\n<p>\uc774\ud0c8\ub960\uc744 \ub354\uc6b1 \ub0ae\ucd94\ub824\uba74 \ub2e4\uc74c\uc744 \ucd94\uac00\ud558\uc138\uc694.<br \/>\n\ud604\uc9c0\ud654 \uc0ac\ub840(\uc608: \ud55c \uc740\ud589\uc774 \ud504\ub85c\uadf8\ub7a8\uc744 \ud1b5\ud574 60% \uace0\ub77c\uc774\ube0c \uc2dc\uac04\uc744 \ub2e8\ucd95\ud55c \ubc29\ubc95)<br \/>\n2023\ub144 \ucd5c\uc2e0 \ucde8\uae09 \uc218\uc218\ub8cc \uc815\ucc45 \ube44\uad50\ud45c<\/p>\n<h2>\ud30c\ud2b8 5: \ud544\ub9ac\ud540 \uacb0\uc81c \uc0cc\ub4dc\ubc15\uc2a4 \ubaa8\ubc94 \uc0ac\ub840 \ubc0f \uc0ac\ub840 \uc5f0\uad6c<\/h2>\n<h3><strong>5.1 \uc9c0\uc5ed \uae08\uc735 \uae30\uad00\uc758 \uc131\uacf5 \uc0ac\ub840<\/strong><\/h3>\n<h4><strong>(1) \uc0c1\uc5c5 \uc740\ud589\uc744 \uc704\ud55c \uc2e0\uc18d\ud55c \uaddc\uc815 \uc900\uc218 \ud504\ub85c\uadf8\ub7a8<\/strong><\/h4>\n<p>\uc774 \uc740\ud589\uc740 \ud558\uc774\ube0c\ub9ac\ub4dc \ud074\ub77c\uc6b0\ub4dc \uc544\ud0a4\ud14d\ucc98\ub97c \uc0ac\uc6a9\ud558\uc5ec \uc0cc\ub4dc\ubc15\uc2a4\ub97c \uad6c\ucd95\ud588\uc73c\uba70, \ub2e8 8\uc8fc \ub9cc\uc5d0 \uc644\ub8cc\ud588\uc2b5\ub2c8\ub2e4:<br \/>\n\ud83d\udd39 <strong>InstaPay\/PESONet \uc804\uccb4 \uc778\ud130\ud398\uc774\uc2a4 \uc790\ub3d9\ud654 \ud14c\uc2a4\ud2b8<\/strong>(40% \uc218\ub3d9 \ud655\uc778 \uc2dc\uac04 \uc808\uc57d)<br \/>\n\ud83d\udd39 <strong>100,000\uba85 \uc774\uc0c1\uc758 \ub3d9\uc2dc \uc0ac\uc6a9\uc790 \ud2b8\ub79c\uc7ad\uc158 \uc2dc\ubbac\ub808\uc774\uc158<\/strong>(\ub370\uc774\ud130\ubca0\uc774\uc2a4 \uad50\ucc29 \uc0c1\ud0dc \ubb38\uc81c\uc758 \uc870\uae30 \uac10\uc9c0)<br \/>\n\ud83d\udd39 <strong>BSP \uac80\uc0ac \ud56d\ubaa9 100% \uc7ac\uc815\uc758<\/strong>(AI\ub97c \uc0ac\uc6a9\ud558\uc5ec \uaddc\uc815 \uc900\uc218 \uc99d\uac70 \ubb38\uc11c \uc0dd\uc131)<\/p>\n<p>\uc8fc\uc694 \ub370\uc774\ud130: \ucd9c\uc2dc \ud6c4 \uccab \ub2ec\uc758 \uac70\ub798 \uc2e4\ud328\uc728\uc740 0.2% \ubbf8\ub9cc\uc73c\ub85c, \uae30\uc874 \ubc29\uc2dd\ubcf4\ub2e4 5\ubc30 \ud5a5\uc0c1\ub41c \ud6a8\uc728\uc131\uc744 \ubcf4\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<h4><strong>(2) \uc804\uc790\uc9c0\uac11 \ud68c\uc0ac\ub97c \uc704\ud55c \uc0ac\uae30 \ubc29\uc9c0 \ucd5c\uc801\ud654<\/strong><\/h4>\n<p>GCash\ub97c \ubca4\uce58\ub9c8\ud0b9\ud558\ub294 \uc2a4\ud0c0\ud2b8\uc5c5\uc740 \uc0cc\ub4dc\ubc15\uc2f1\uc744 \ud1b5\ud574 \uc774\ub97c \uc218\ud589\ud569\ub2c8\ub2e4:<br \/>\n\u2714\ufe0f <strong>\uba38\uc2e0\ub7ec\ub2dd \ubaa8\ub378 \ubc18\ubcf5 \uc18d\ub3c4 3\ubc30 \ud5a5\uc0c1<\/strong>(\ud558\ub8e8\uc5d0 200\uac1c\uc758 \uc0ac\uae30 \ud328\ud134\uc744 \ud559\uc2b5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.)<br \/>\n\u2714\ufe0f <strong>\uc624\uac10\uc9c0\uc728\uc774 151 TP3T\uc5d0\uc11c 31 TP3T\ub85c \uac10\uc18c\ud588\uc2b5\ub2c8\ub2e4.<\/strong>(\uc704\ud5d8 \uc784\uacc4\uac12 \ub9e4\uac1c\ubcc0\uc218\uc758 \ub3d9\uc801 \uc870\uc815)<br \/>\n\u2714\ufe0f <strong>BSP STR \uc694\uad6c \uc0ac\ud56d\uc744 \ucda9\uc871\ud558\ub294 \uc790\ub3d9\ud654\ub41c \uba85\uc138\uc11c \uc0dd\uc131<\/strong><\/p>\n<hr>\n<h3><strong>5.2 \uc77c\ubc18\uc801\uc778 \uae30\uc220\uc758 \ud568\uc815\uc744 \ud53c\ud558\uae30 \uc704\ud55c \uac00\uc774\ub4dc<\/strong><\/h3>\n<h4>\u25b6\ufe0e API \ub514\ubc84\uae45 \ud568\uc815<\/h4>\n<ul>\n<li>\ud83c\uddf5\ud83c\udded \ub3c5\uc810 \ubb38\uc81c: \ud544\ub9ac\ud540 \ud1b5\uc2e0 \uc0ac\uc5c5\uc790\ub294 \uc885\uc885 HTTP \uc751\ub2f5\uc744 \uc9c0\uc5f0\uc2dc\ud0a4\uba70, \ubaa8\uc758 \uc11c\ubc84\uc5d0\uc11c 300ms~2\ucd08 \ubb34\uc791\uc704 \uc9c0\uc5f0\uc744 \uc124\uc815\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li>\ud574\uacb0 \ubc29\ubc95: JMeter\ub97c \uc0ac\uc6a9\ud558\uc5ec \"\uae00\ub85c\ube0c\/\uc2a4\ub9c8\ud2b8 \ub124\ud2b8\uc6cc\ud06c \uc9c0\ud130 \uc2dc\ubbac\ub808\uc774\uc158 \ud50c\ub7ec\uadf8\uc778\"\uc744 \ucd94\uac00\ud558\uc138\uc694.<\/li>\n<\/ul>\n<h4>\u25b6\ufe0e \uc870\uc815 \ubb38\uc81c \ud574\uacb0\ud558\uae30<\/h4>\n<ul>\n<li>BSP\uc5d0\uc11c\ub294 \uc870\uc815 \ud30c\uc77c \uc5c5\ub85c\ub4dc\uac00 T+1\uc77c 9\uc2dc\uae4c\uc9c0 \uc644\ub8cc\ub418\uc5b4\uc57c \ud558\uc9c0\ub9cc \uc77c\ubd80 \uc740\ud589 \uc2dc\uc2a4\ud15c\uc5d0\uc11c \uc2dc\uac04\ub300 \uad6c\uc131 \uc624\ub958\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\ub300\uc751 \ubc29\uc548: \uc0cc\ub4dc\ubc15\uc2a4\uc5d0\uc11c PST \uc2dc\uac04\ub300(UTC+8) \uac15\uc81c \uc801\uc6a9 \ubc0f \uc11c\uba38\ud0c0\uc784 \uc804\ud658 \uc2dc\ub098\ub9ac\uc624 \ud14c\uc2a4\ud2b8<\/li>\n<\/ul>\n<hr>\n<h2>SEO \uac1c\uc120 \uad8c\uc7a5 \uc0ac\ud56d<\/h2>\n<p>\uac80\uc0c9 \uc21c\uc704\ub97c \uc9c0\uc18d\uc801\uc73c\ub85c \ucd5c\uc801\ud654\ud558\ub824\uba74 \ub2e4\uc74c\uacfc \uac19\uc740 \ucd94\uac00 \ucf58\ud150\uce20 \ubaa8\ub4c8\uc744 \uc0ac\uc6a9\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4:<\/p>\n<h3>\ud83d\udcc8 [\ub370\uc774\ud130 \uc2dc\uac01\ud654] 2024\ub144 \ud544\ub9ac\ud540 \uacb0\uc81c \ud2b8\ub80c\ub4dc(\uc778\ud130\ub799\ud2f0\ube0c \ucc28\ud2b8 \ud3ec\ud568)<\/h3>\n<pre><code class=\"language-python\"># Python \uc0d8\ud50c \ucf54\ub4dc - BSP \uacf5\uc2dd \ub370\uc774\ud130 \ucea1\ucc98 \ubc0f \ubd84\uc11d(\ub3d9\uc801 \ucc28\ud2b8\ub85c \uc81c\uc791 \uac00\ub2a5)<br>\r\n\uac00\uc838\uc624\uae30 \uc694\uccad <br>\r\nbs4\uc5d0\uc11c BeautifulSoup \uac00\uc838\uc624\uae30<br>\r\n<br>\r\nurl = \"https:\/\/www.bsp.gov.ph\/Statistics\/payments_stats.aspx\"<br>\r\n\uc751\ub2f5 = requests.get(url, verify=False) # BSP \uc778\uc99d\uc11c\ub294 \ud2b9\ubcc4\ud55c \ucc98\ub9ac\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<br>\r\nsoup = BeautifulSoup(response.text, 'html.parser')<br>\r\n<br>\r\n# InstaPay \uac70\ub798\ub7c9 \uc131\uc7a5\ub960 \ucd94\ucd9c...<br>\r\n<\/code><\/pre>\n<h3>\ud83c\udd9a [\uacbd\uc7c1\uc0ac \ube44\uad50\ud45c] \uba54\uc778\uc2a4\ud2b8\ub9bc \uc0cc\ub4dc\ubc15\uc2a4 \uc194\ub8e8\uc158 PK(\uc758\uc0ac \uacb0\uc815\uad8c\uc790\uc758 \ud074\ub9ad \uc720\ub3c4)<\/h3>\n<table>\n<thead>\n<tr>\n<th>\uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4<\/th>\n<th>BSP \uc778\uc99d<\/th>\n<th>NRPS \uc9c0\uc6d0<\/th>\n<th>GCash \uc2dc\ubbac\ub808\uc774\uc158<\/th>\n<th>\uac00\uaca9(PHP\/\uc6d4)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\uc561\uc13c\uce04\uc5b4<\/td>\n<td>\u2705<\/td>\n<td>\u2705<\/td>\n<td>\u2605\u2605\u2605\u2605\u2606<\/td>\n<td>\u20b1250,000<\/td>\n<\/tr>\n<tr>\n<td>\ub85c\uceec\uc2a4\ud0dd PH \uc5d0\ub514\uc158<\/td>\n<td>\u274c<\/td>\n<td>PESONet \uc804\uc6a9<\/td>\n<td>\u2605\u2605\u2606\u2606\u2606\u2606<\/td>\n<td>\u20b135,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h2>\ub3c5\uc790\uc758 \ub300\ud654\ud615 \uc9c8\ubb38] \ub313\uae00\ub85c \uc720\ub3c4\ud558\uc5ec \uccb4\ub958 \uc2dc\uac04 \ub298\ub9ac\uae30<\/h2>\n<p>\uadc0\uc0ac\uc5d0\uc11c BSP \uc0cc\ub4dc\ubc15\uc2a4 \uc2ec\uc0ac\uac00 \uac70\ubd80\ub41c \uc801\uc774 \uc788\ub098\uc694? \ubd84\uc11d\uc5d0 \uc0ac\uc6a9\ud55c \ud2b9\uc815 \uc870\ud56d \ubc88\ud638\uc5d0 \ub313\uae00\uc744 \ub0a8\uaca8 \uc8fc\uc138\uc694!<\/p>\n<p>\u2753 \uae30\uc0ac\uc5d0\uc11c \"\ubaa8\uc758 GCash API \ud14c\uc2a4\ud2b8 \ub370\uc774\ud130 \uc138\ud2b8\"\uac00 \ud544\uc694\ud558\uc2e0\uac00\uc694? 100\uac1c \uc774\uc0c1\uc758 \uc88b\uc544\uc694\ub97c \ub20c\ub7ec \uc989\uc2dc \uc624\ud508\uc18c\uc2a4\ud654\ud558\uc138\uc694!<\/p>","protected":false},"excerpt":{"rendered":"<p>\ud544\ub9ac\ud540 \uacb0\uc81c \uc2dc\uc2a4\ud15c \uc0cc\ub4dc\ubc15\uc2a4 \ud658\uacbd \uc124\uc815 \ubc0f \ud14c\uc2a4\ud2b8 \uac00\uc774\ub4dc \uc18c\uac1c: \ud544\ub9ac\ud540 \ub514\uc9c0\ud138 \uacb0\uc81c \uac1c\ubc1c...<\/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":[32],"tags":[],"class_list":["post-2634","post","type-post","status-publish","format-standard","hentry","category-32"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u83f2\u5f8b\u5bbe\u652f\u4ed8\u7cfb\u7edf\u6c99\u7bb1\u73af\u5883\u642d\u5efa\u4e0e\u6d4b\u8bd5 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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