{"id":2671,"date":"2025-05-14T14:51:53","date_gmt":"2025-05-14T06:51:53","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2671"},"modified":"2025-05-14T14:51:53","modified_gmt":"2025-05-14T06:51:53","slug":"%e5%a6%82%e4%bd%95%e5%a4%84%e7%90%86%e5%8d%b0%e5%b0%bc%e7%94%a8%e6%88%b7%e6%94%af%e4%bb%98%e4%b8%ad%e7%9a%84%e8%b4%a7%e5%b8%81%e8%bd%ac%e6%8d%a2%e9%97%ae%e9%a2%98%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/14\/%e5%a6%82%e4%bd%95%e5%a4%84%e7%90%86%e5%8d%b0%e5%b0%bc%e7%94%a8%e6%88%b7%e6%94%af%e4%bb%98%e4%b8%ad%e7%9a%84%e8%b4%a7%e5%b8%81%e8%bd%ac%e6%8d%a2%e9%97%ae%e9%a2%98%ef%bc%9f\/","title":{"rendered":"\uc778\ub3c4\ub124\uc2dc\uc544 \uc0ac\uc6a9\uc790\uc758 \uacb0\uc81c \uc2dc \ud1b5\ud654 \ubcc0\ud658\uc740 \uc5b4\ub5bb\uac8c \ucc98\ub9ac\ud558\ub098\uc694?"},"content":{"rendered":"<h1>\uc778\ub3c4\ub124\uc2dc\uc544 \uc0ac\uc6a9\uc790\uc758 \uacb0\uc81c \uc2dc \ud1b5\ud654 \ubcc0\ud658\uc740 \uc5b4\ub5bb\uac8c \ucc98\ub9ac\ud558\ub098\uc694?<\/h1>\n<h2>\uc18c\uac1c: \uc778\ub3c4\ub124\uc2dc\uc544 \uc2dc\uc7a5\uc758 \uacb0\uc81c \ud658\uacbd \uac1c\uc694<\/h2>\n<p>\ub3d9\ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \uac00\uc7a5 \ud070 \uacbd\uc81c \ub300\uad6d \uc911 \ud558\ub098\uc778 \uc778\ub3c4\ub124\uc2dc\uc544\ub294 \uc778\uad6c\uac00 2\uc5b5 7\ucc9c\ub9cc \uba85\uc5d0 \ub2ec\ud558\uace0 \uc774\ucee4\uba38\uc2a4 \uc2dc\uc7a5\uc774 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc778\ub3c4\ub124\uc2dc\uc544 \uc0ac\uc6a9\uc790\uc758 \uacb0\uc81c \uc694\uccad\uc744 \ucc98\ub9ac\ud560 \ub54c \ud1b5\ud654 \ubcc0\ud658 \ubb38\uc81c\ub294 \uc885\uc885 \uad6d\uacbd \uac04 \uac70\ub798\uc758 \uc8fc\uc694 \uc7a5\uc560\ubb3c\uc785\ub2c8\ub2e4. \uc774 \ubc31\uc11c\uc5d0\uc11c\ub294 \uc774 \ubb38\uc81c\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \ud574\uacb0\ud558\uc5ec \uc0ac\uc6a9\uc790 \uacbd\ud5d8\uc744 \uac1c\uc120\ud558\uace0 \uac70\ub798 \ube44\uc6a9\uc744 \uc808\uac10\ud558\ub294 \ubc29\ubc95\uc744 \uc0b4\ud3b4\ubd05\ub2c8\ub2e4.<\/p>\n<h2>I. \uc778\ub3c4\ub124\uc2dc\uc544 \ud1b5\ud654 \uc2dc\uc2a4\ud15c\uc758 \ud2b9\uc9d5 \uc774\ud574<\/h2>\n<h3>1.1 \uc778\ub3c4\ub124\uc2dc\uc544 \ub8e8\ud53c\uc544(IDR)\uc758 \ud2b9\uc218\uc131<\/h3>\n<p>\uc778\ub3c4\ub124\uc2dc\uc544 \ub8e8\ud53c\uc544(\"IDR\", \ucf54\ub4dc IDR)\ub294 \ub3d9\ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \uc800\ud3c9\uac00\ub41c \ud1b5\ud654 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4. \ud070 \uc561\uba74\uac00, \uc0c1\ub300\uc801\uc73c\ub85c \uc7a6\uc740 \ud658\uc728 \ubcc0\ub3d9, \uc18c\uc218\uc810 \uc774\ud558 \uc790\ub9bf\uc218(\ubcf4\ud1b5 \uc18c\uc218\uc810 \ub458\uc9f8 \uc790\ub9ac\uae4c\uc9c0 \ud45c\uc2dc)\uac00 \ud2b9\uc9d5\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud2b9\uc131\uc73c\ub85c \uc778\ud574 \uc2dc\uc2a4\ud15c\uc5d0\uc11c \ucc98\ub9ac\ud560 \ub54c \uc815\ud655\ub3c4 \ubb38\uc81c\uc5d0 \ud2b9\ud788 \uc8fc\uc758\ub97c \uae30\uc6b8\uc5ec\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<h3>1.2 IDR \uc0c1\ud658\uc5d0 \ub300\ud55c \uc81c\ud55c \uc0ac\ud56d<\/h3>\n<p>\uc778\ub3c4\ub124\uc2dc\uc544 \uc740\ud589\uc5d0 \ub530\ub974\uba74 IDR\uc740 \ubd80\ubd84\uc801\uc73c\ub85c \uc804\ud658 \uac00\ub2a5\ud55c \ud1b5\ud654\uc785\ub2c8\ub2e4. \uc774\ub294 \uace7<\/p>\n<ul>\n<li>IDR\uc740 \uad6d\uc81c \uc678\ud658 \uc2dc\uc7a5\uc5d0\uc11c \uc720\ub3d9\uc131\uc774 \uc81c\ud55c\uc801\uc785\ub2c8\ub2e4.<\/li>\n<li>\uc77c\ubd80 \uacbd\uc6b0 \uad50\ud658 \ud55c\ub3c4\uac00 \uc874\uc7ac\ud569\ub2c8\ub2e4.<\/li>\n<li>\uad6d\uacbd \uac04 \uc1a1\uae08\uc5d0\ub294 \ucd94\uac00\uc801\uc778 \uaddc\uc81c \uc870\uc0ac\uac00 \uc801\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>\uc774\ub7ec\ud55c \ud2b9\uc131\uc744 \uc774\ud574\ud558\ub294 \uac83\uc740 \uacb0\uc81c \ud504\ub85c\uc138\uc2a4\ub97c \uc124\uacc4\ud558\ub294 \ub370 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<h2>II. \uc77c\ubc18\uc801\uc778 \ud1b5\ud654 \ubcc0\ud658 \ubb38\uc81c \ubc0f \ud574\uacb0 \ubc29\ubc95<\/h2>\n<h3>2.1 DCC \ub3d9\uc801 \ud1b5\ud654 \ubcc0\ud658 \ud2b8\ub7a9<\/h3>\n<p>\ub9ce\uc740 \uad6d\uc81c \uce74\ub4dc \uae30\uad00\uc740 \uce74\ub4dc \uc18c\uc9c0\uc790\uac00 \ud310\ub9e4\uc790\uc758 \uac00\uaca9 \ucc45\uc815 \ud1b5\ud654 \ub300\uc2e0 \uc790\uad6d \ud1b5\ud654\ub85c \uacb0\uc81c\ud560 \uc218 \uc788\ub294 DCC(\ub3d9\uc801 \ud1b5\ud654 \ubcc0\ud658)\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \ud3b8\ub9ac\ud574 \ubcf4\uc77c \uc218 \uc788\uc9c0\ub9cc \uc2e4\uc81c\ub85c\ub294 \ub192\uc740 \uc218\uc218\ub8cc\uac00 \uc228\uaca8\uc838 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<p><strong>\uc194\ub8e8\uc158:<\/strong><\/p>\n<ul>\n<li><strong>\uba85\uc2dc\uc801 \uc54c\ub9bc<\/strong>\uacb0\uc81c \ud398\uc774\uc9c0\uc5d0 '\ucd94\uac00 \uc694\uae08\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4'\ub77c\ub294 \ub77c\ubca8\uc744 \uba85\ud655\ud558\uac8c \ud45c\uc2dc\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uae30\ubcf8 \uc124\uc815<\/strong>\ud604\uc9c0 \ud1b5\ud654(IDR)\ub85c \uc6b0\uc120 \uacb0\uc81c\ud558\uae30<\/li>\n<li><strong>\uc2e4\uc2dc\uac04 \ube44\uad50<\/strong>: \ub450 \uc635\uc158\uc758 \ucd5c\uc885 \uae08\uc561\uc744 \ube44\uad50\ud558\uc5ec \ud45c\uc2dc\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h3>2.2 '\uc228\uaca8\uc9c4' \ud658\uc728 \uc778\uc0c1 \ubb38\uc81c<\/h3>\n<p>\uc77c\ubd80 \uacb0\uc81c \ub300\ud589\uc0ac\ub294 \uc218\uc775\uc6d0\uc73c\ub85c \uae30\ubcf8 \ud658\uc728\uc5d0 \ubd88\ud22c\uba85\ud55c \ub9c8\ud06c\uc5c5\uc744 \ucd94\uac00\ud569\ub2c8\ub2e4.<\/p>\n<p><strong>\ub300\ucc98 \uc804\ub7b5:<\/strong><\/p>\n<pre><code class=\"language-mermaid\">\uadf8\ub798\ud504 TD.<br>\r\n    A[\uc6d0\uc2dc \uae08\uc561] --&gt; B{\ud22c\uba85\ud558\uac8c \ud45c\uc2dc\ud560\uc9c0 \uc5ec\ubd80};<br>\r\n    B --&gt; |\uc608| C[\uc0ac\uc6a9\uc790 \uc2e0\ub8b0 \u2191];<br>\r\n    B --&gt; |\uc544\ub2c8\uc694| D [\ubd88\ub9cc \uc704\ud5d8\u2191].<br>\r\n<\/code><\/pre>\n<p>\ub2e4\uc74c\uacfc \uac19\uc740 \ubc29\ubc95\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4:<\/p>\n<ol>\n<li><strong>\uc624\ud508 \uae30\ubcf8 \uc694\uc728 \uc18c\uc2a4<\/strong>(\uc608: \uc911\uc559\uc740\ud589 \ud3c9\uade0 \uac00\uaca9)<\/li>\n<li><strong>\uba85\uc2dc\uc801\uc778 \uc218\uc218\ub8cc \uad6c\uc870<\/strong>(\uace0\uc815 \uc218\uc218\ub8cc + \ube44\uc728)<\/li>\n<li><strong>\uacfc\uac70 \ud658\uc728 \uc870\ud68c \uc81c\uacf5<\/strong><\/li>\n<\/ol>\n<h3>2.3 \ubd80\uac00\uac00\uce58\uc138\uc640 \uc9c0\ubc29\uc138 \uacc4\uc0b0\uc758 \ucc28\uc774\uc810<\/h3>\n<p>\ud1b5\ud654 \ubcc0\ud658\uc740 \uc0c1\ud488 \uac00\uaca9\uc5d0 \uc138\uae08\uc774 \ud3ec\ud568\ub418\uac70\ub098 \uc81c\uc678\ub420 \ub54c \ub2e4\ub978 \uacb0\uacfc\ub97c \ub0b3\uc2b5\ub2c8\ub2e4:<\/p>\n<pre><code>\uc0d8\ud50c \uc2dc\ub098\ub9ac\uc624:<br>\r\n\uc138\uc804 \uac00\uaca9: $100 \u2192 (1:14,000 \uae30\uc900) = 140\ub9cc IDR \u2192 +11%VAT = 1,554,000 IDR <br>\r\n\uc138\uae08 \ud3ec\ud568 \uac00\uaca9: 111 USD \u2192 (\ub3d9\uc77c \ud658\uc728 \uae30\uc900) = 1554000 IDR <br>\r\n<br>\r\n\uadf8\ub7ec\ub098 \ud658\uc728 \ubcc0\ub3d9\uc5d0 \ub530\ub77c \uc774 \ub458 \uc0ac\uc774\uc5d0\ub294 \ucc28\uc774\uac00 \uc788\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4!<br>\r\n<\/code><\/pre>\n<p>\uac00\uc7a5 \uc88b\uc740 \ubc29\ubc95\uc740 \ub098\uc911\uc5d0 \ubcc0\ud658\ud558\uc9c0 \uc54a\uace0 \uc81c\ud488 \ud398\uc774\uc9c0\uc5d0\uc11c \ubc14\ub85c \uc138\uae08\uc744 \ud3ec\ud568\ud55c \ud604\uc9c0\ud654\ub41c \uac00\uaca9\uc744 \ud45c\uc2dc\ud558\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>III. \uae30\uc220 \uad6c\ud604 \uc218\uc900\uc5d0\uc11c\uc758 \ucd5c\uc801\ud654 \uc635\uc158<\/p>\n<p>3.1 API \ud1b5\ud569 \uace0\ub824 \uc0ac\ud56d<br \/>\n\ud604\uc9c0 \uae08\uc735 \uae30\uad00\uacfc \uc5f0\ub3d9\ud560 \ub54c\ub294 \ub2e4\uc74c \uae30\ub2a5\uc774 \uc9c0\uc6d0\ub418\ub294\uc9c0 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<ul>\n<li><code>\uae08\uc561<\/code>\ud544\ub4dc\uac00 \ucda9\ubd84\ud788 \ucee4\uc11c \ub9ce\uc740 \uc22b\uc790\ub97c \uc218\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4(32\ube44\ud2b8 \uc815\uc218 \uc624\ubc84\ud50c\ub85c\uc6b0 \ubc29\uc9c0).<\/li>\n<li><code>\ud1b5\ud654<\/code>\ub9e4\uac1c \ubcc0\uc218\ub294 ISO 4217 \ud45c\uc900(\"IDR\")\uc744 \uc5c4\uaca9\ud558\uac8c \ub530\ub985\ub2c8\ub2e4.<\/li>\n<li>\uc751\ub2f5\uc5d0\ub294 \uc804\uccb4<code>exchange_rate<\/code>\ub178\ub798\ub85c \uc751\ub2f5<code>fx_fee<\/code><\/li>\n<\/ul>\n<p>\uad8c\uc7a5 JSON \ud615\uc2dd\uc758 \uc608\uc785\ub2c8\ub2e4.<\/p>\n<pre><code class=\"language-json\">{<br>\r\n \"\ud2b8\ub79c\uc7ad\uc158_id\": \"TXN12345\",<br>\r\n \"base_currency\": \"USD\",<br>\r\n \"target_currency\": \"IDR\", <br>\r\n \"exchange_rate\":14450.<br>\r\n \"\uc218\uc218\ub8cc_\ud37c\uc13c\ud2b8\":0,8.<br>\r\n...<br>\r\n}<br>\r\n<\/code><\/pre>\n<p>3, \ud504\ub7f0\ud2b8\uc5d4\ub4dc \uc778\ud130\ud398\uc774\uc2a4 \ub514\uc790\uc778 \ud3ec\uc778\ud2b8<br \/>\n15% \uc804\ud658\uc728\uc744 \uac1c\uc120\ud558\uae30 \uc704\ud574 A\/B \ud14c\uc2a4\ud2b8\ub97c \ud1b5\ud574 \ub2e4\uc74c\uacfc \uac19\uc740 \uac1c\uc120 \uc0ac\ud56d\uc744 \ud655\uc778\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\u2714\ufe0f \uc740 \uac00\ub3c5\uc131\uc744 \ub192\uc774\uae30 \uc704\ud574 \uae08\uc561\uc744 \"1445000\" \ub300\uc2e0 \"14,450 \ub8e8\ud53c\uc544 x 100\"\uc73c\ub85c \ud45c\uc2dc\ud569\ub2c8\ub2e4.<br \/>\n\u2714\ufe0f \uc785\ub825 \uc0c1\uc790 \uc606\uc5d0 \ubbf8\ub2c8\uc5b4\ucc98 \uacc4\uc0b0\uae30 \uc544\uc774\ucf58\uc774 \ud3ec\ud568\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4(\ud074\ub9ad\ud558\uba74 \uc790\uc138\ud55c \ubcc0\ud658 \ud504\ub85c\uc138\uc2a4\uac00 \ud3bc\uccd0\uc9d1\ub2c8\ub2e4).<br \/>\n\u2714\ufe0f \ub9c8\uc6b0\uc2a4 \uc624\ubc84 \uc2dc \ud234\ud301\uc5d0 \ud654\ubb3c \ud68c\uc804\uc774 \ud544\uc694\ud55c \uc774\uc720\uac00 \uc124\uba85\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>IV. \uaddc\uc815 \uc900\uc218 \ubc0f \uc704\ud5d8 \uad00\ub9ac \ud504\ub808\uc784\uc6cc\ud06c<\/p>\n<p>4.| - \uc911\uc559\uc740\ud589 \uc81c\ucd9c \uc694\uac74 - |<br \/>\n\uc678\ud654\ub97c \ud3ec\ud568\ud558\ub294 \uac01 \uac70\ub798\uc5d0\ub294 \ubc18\ub4dc\uc2dc \ub2e4\uc74c\uc774 \ud3ec\ud568\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.<br \/>\n- BNI \uccad\uc0b0 \ucf54\ub4dc(\ubc45\ud06c\uc778\ub3c4\ub124\uc2dc\uc544 \uace0\uc720 \uc2dd\ubcc4\uc790)<br \/>\n- HSCODE \uc138\uad00 \ubd84\ub958 \ubc88\ud638(\uc2e4\ubb3c \uc0c1\ud488\uc758 \uacbd\uc6b0)<\/p>\n<p>4... \uc0ac\uae30\uc5d0 \ub300\ud55c \ud2b9\ubcc4 \uc870\uce58<br \/>\n\ub9ce\uc740 \uc218\uac00 \ubcc0\uc870\ub420 \uc218 \uc788\uc73c\ubbc0\ub85c \ubcc0\uc870\uc5d0 \ucde8\uc57d\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c \uc774\ub97c \ubc29\uc9c0\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<br \/>\n\u2192 \uc774\uc911 \uc11c\uba85 \ud655\uc778 \uba54\ucee4\ub2c8\uc998 \uad6c\ud604<br \/>\n\u2192 \uac70\ub798\ubcc4\/\uc77c\ubcc4 \ub204\uc801 \ud55c\ub3c4\uc5d0 \ub300\ud55c \uc784\uacc4\uac12 \ubaa8\ub2c8\ud130\ub9c1 \uc124\uc815<\/p>\n<p>V. \ubbf8\ub798 \ud2b8\ub80c\ub4dc\uc640 \ud601\uc2e0 \ubc29\ud5a5<\/p>\n<p>5.\/\uc2e4\uc2dc\uac04 \ube14\ub85d\uccb4\uc778 \uacb0\uc81c \uc2e4\ud5d8\/<br \/>\nBCA \uc740\ud589\uc740 \uae30\uc874 SWIFT \ubaa8\ub378\uc744 \ud601\uc2e0\ud560 \uc218 \uc788\ub294 \ud558\uc774\ud37c\ub808\uc800 \uae30\ubc18 \ucd08\ub2e8\uc704\uc758 \uad6d\uacbd \uac04 \uccad\uc0b0 \ub124\ud2b8\uc6cc\ud06c \ud14c\uc2a4\ud2b8\ub97c \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4....<\/p>\n<p>6.<em>AI \uc608\uce21 \ubaa8\ub378\ub9c1 \uc560\ud50c\ub9ac\ucf00\uc774\uc158<\/em><br \/>\n\uc9c0\ub09c 12\uac1c\uc6d4\uac04\uc758 \ub370\uc774\ud130\ub97c \uba38\uc2e0\ub7ec\ub2dd\uc73c\ub85c \ubd84\uc11d\ud55c \uacb0\uacfc, \ubaa9\uc694\uc77c \uc624\ud6c4 GMT +7\uc2dc\uac04 LQ45 \uc9c0\uc218 \uad6c\uc131 \uae30\uc5c5\uc758 \uc9c1\uc6d0 \uad50\ud658 \uc218\uc694\uac00 \ubcf4\ud1b5 23% \uae09\uc99d\ud558\uace0 \uc774\uc5d0 \ub530\ub77c \uc720\ub3d9\uc131 \ubcf4\uc720\ub7c9\uc774 \ub3d9\uc801\uc73c\ub85c \uc870\uc815\ub418\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacb0\ub860 \uc694\uc57d \ud45c\uc785\ub2c8\ub2e4:<\/p>\n<table>\n<thead>\n<tr>\n<th>\uae30\uc874 \ud504\ub85c\uadf8\ub7a8<\/th>\n<th>\uc778\ud154\ub9ac\uc804\ud2b8 \ucd5c\uc801\ud654<\/th>\n<th><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ud3c9\uade0 \ucc98\ub9ac \uc2dc\uac04<\/td>\n<td>47\ucd08.<\/td>\n<td>9\ucd08.<\/td>\n<\/tr>\n<tr>\n<td>\uc0ac\uc6a9\uc790 \ubd88\ub9cc \ube44\uc728<\/td>\n<td>6\ud37c\uc13c\ud2b8<\/td>\n<td>0 \ud37c\uc13c\ud2b8<\/td>\n<\/tr>\n<tr>\n<td>\ud1b5\ud654 \uc190\uc2e4\ub960<\/td>\n<td>-18%<\/td>\n<td>-05%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \ud0c0\uc0ac \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4, \ud2b9\ud788 PJPAB \ub77c\uc774\uc120\uc2a4(Penyelenggara Jasa Pembayaran Anak Bangsa)\ub97c \ubcf4\uc720\ud55c \uc5c5\uccb4\uc758 \uc790\uaca9 \uc99d\uba85\uc744 \uc815\uae30\uc801\uc73c\ub85c \uac80\ud1a0\ud558\uc5ec \ud574\ub2f9 \uc5c5\uccb4\uac00 \ucd5c\uc2e0 \ubc84\uc804\uc758 POJK77 \uaddc\uc815\uc744 \uc900\uc218\ud558\ub294\uc9c0 \ud655\uc778\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<h1>\uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uacb0\uc81c \ud1b5\ud654 \ubcc0\ud658 \ucd5c\uc801\ud654 \uc804\ub7b5(\uacc4\uc18d)<\/h1>\n<h2>VI. \ud604\uc9c0\ud654\ub41c \uacb0\uc81c \uc218\ub2e8 \ud1b5\ud569 \uc804\ub7b5<\/h2>\n<h3>6.1 \uc8fc\ub958 \ub85c\uceec \uc804\uc790\uc9c0\uac11 \uc778\ud130\ud398\uc774\uc2a4<\/h3>\n<p>\uc778\ub3c4\ub124\uc2dc\uc544 \uc2dc\uc7a5\uc5d0\ub294 \uc5ec\ub7ec \uac1c\uc758 \uc8fc\uc694 \uc804\uc790\uc9c0\uac11\uc774 \uc788\uc73c\uba70 \uc774\ub7ec\ud55c \ucc44\ub110\uc744 \uac70\ub798\ud560 \ub54c\ub294 \ud2b9\ubcc4\ud55c \uc8fc\uc758\uac00 \ud544\uc694\ud569\ub2c8\ub2e4:<\/p>\n<p><strong>\uc8fc\uc694 \ud50c\ub7ab\ud3fc\uc758 \uae30\uc220\uc801 \ud2b9\uc131 \ube44\uad50:<\/strong><\/p>\n<table>\n<thead>\n<tr>\n<th>\uacb0\uc81c \ubc29\ubc95<\/th>\n<th>API \uc751\ub2f5 \uc2dc\uac04<\/th>\n<th>IDR \uc9c0\uc6d0 \uc815\ud655\ub3c4<\/th>\n<th>\uc77c\uad04 \ud658\ubd88 \uae30\ub2a5<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>OVO<\/td>\n<td>&lt;800ms<\/td>\n<td>\uc18c\uc218\uc810 \uc774\ud558 2\uc790\ub9ac \uc9c0\uc6d0<\/td>\n<td>\u2714\ufe0f<\/td>\n<\/tr>\n<tr>\n<td>DANA<\/td>\n<td>&lt;1.2s<\/td>\n<td>\uc815\uc218 \ube44\ud2b8\ub9cc<\/td>\n<td>\u274c<\/td>\n<\/tr>\n<tr>\n<td>LinkAja<\/td>\n<td>&lt;500ms<\/td>\n<td>\uc18c\uc218\uc810 \uc774\ud558 2\uc790\ub9ac \uc9c0\uc6d0<\/td>\n<td>\u2714\ufe0f(\uc0ac\uc804 \uc2b9\uc778 \ud544\uc694)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>\uad8c\uc7a5 \uc0ac\ud56d \uad6c\ud604:<\/strong><\/p>\n<ul>\n<li><strong>\ub3d9\uc801 \ub77c\uc6b0\ud305<\/strong>\uc2e4\uc2dc\uac04 \uc2dc\uc2a4\ud15c \uc131\ub2a5\uc5d0 \ub530\ub978 \uac70\ub798 \ud750\ub984 \uc790\ub3d9 \ud560\ub2f9<\/li>\n<li><strong>\uc804\uba74 \uc794\uc561 \ud655\uc778<\/strong>\uc0ac\uc6a9\uc790\uac00 \uacb0\uc81c\ub97c \ud655\uc778\ud558\uae30 \uc804\uc5d0 \uc804\uc790\uc9c0\uac11 \uc794\uc561\uc744 \uc870\ud68c\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc2e4\ud328\ud55c \uc804\uc1a1 \uba54\ucee4\ub2c8\uc998<\/strong>\uc120\ud638\ud558\ub294 \ubc29\ubc95\uc774 \uc2e4\ud328\ud560 \uacbd\uc6b0 \uc9c0\ub2a5\uc801\uc73c\ub85c \ub300\uccb4 \ucc44\ub110 \ucd94\ucc9c<\/li>\n<\/ul>\n<h3>6.2 \uc740\ud589 \uc1a1\uae08 \uc740\ud589 \uc1a1\uae08 \ucd5c\uc801\ud654<\/h3>\n<p>\uc778\ub3c4\ub124\uc2dc\uc544 \uc0ac\uc6a9\uc790\ub4e4\uc740 \uac00\uc0c1 \uacc4\uc88c\ub97c \uc0ac\uc6a9\ud558\uc5ec \uace0\uc561\uc744 \uacb0\uc81c\ud558\ub294 \ub370 \uc775\uc219\ud569\ub2c8\ub2e4:<\/p>\n<pre><code class=\"language-mermaid\">\uc2dc\ud000\uc2a4 \ub2e4\uc774\uc5b4\uadf8\ub7a8<br>\r\n    \ud310\ub9e4\uc790 \uc2dc\uc2a4\ud15c-&gt;&gt;+\uc740\ud589 API:VA \uc694\uccad \uc0dd\uc131(\uae08\uc561+\ub9cc\ub8cc \uc2dc\uac04)<br>\r\n    \uc740\ud589 API --&gt;&gt;- \ud310\ub9e4\uc790 \uc2dc\uc2a4\ud15c: VA \ubc88\ud638 \ubc18\ud658(\uc608: 88888012345678)<br>\r\n    \uc0ac\uc6a9\uc790-&gt;&gt;+\uc778\ud130\ub137 \ubc45\ud0b9 \uc571: \uacb0\uc81c \uc2dc \uc9c0\uc815\ub41c VA \ubc88\ud638\ub97c \uc785\ub825\ud569\ub2c8\ub2e4.<br>\r\n    \uc778\ud130\ub137 \ubc45\ud0b9 \uc571-&gt;&gt;-\uccad\uc0b0 \uc2dc\uc2a4\ud15c: \uac70\ub798 \uc0c1\ud0dc \ud45c\uc2dc(\ubcf4\ub958\/\uc131\uacf5\/\uc2e4\ud328)<br>\r\n    \ub8e8\ud504 \uc0c1\ud0dc \ud3f4\ub9c1<br>\r\n        \ud310\ub9e4\uc790 \uc2dc\uc2a4\ud15c-&gt;&gt;\uccad\uc0b0 \uc2dc\uc2a4\ud15c: 30\ucd08\ub9c8\ub2e4 \ucffc\ub9ac \uacb0\uacfc\ub85c \uc8fc\ubb38 \uc0c1\ud0dc \uc5c5\ub370\uc774\ud2b8 <br>\r\n    \ub05d<br>\r\n    <br>\r\n<\/code><\/pre>\n<p>\uc8fc\uc694 \uac1c\uc120 \uc0ac\ud56d:<\/p>\n<ol>\n<li><strong>\ub2e8\ucd95 \ucf54\ub4dc \uc11c\ube44\uc2a4(SCS)<\/strong>\uc0ac\uc6a9\uc790 \uacbd\ud5d8 \uba54\ubaa8\ub9ac \ud5a5\uc0c1\uc744 \uc704\ud55c 8\uc790\ub9ac VIP VA \ubc88\ud638 \uc2e0\uccad<\/li>\n<li><strong>\uc790\ub3d9\ud654\ub41c \uc870\uc815 \ub3c4\uad6c \uac1c\ubc1c<\/strong>\uc2dc\ucc28\ub85c \uc778\ud55c '\uacb0\uc81c\ud588\uc9c0\ub9cc \ub3c4\ucc29\ud558\uc9c0 \uc54a\uc74c' \ubb38\uc81c\ub97c \ud574\uacb0\ud558\uc138\uc694.<\/li>\n<li><strong>\ub2e4\uad6d\uc5b4 \uc601\uc218\uc99d \ud15c\ud50c\ub9bf \ub77c\uc774\ube0c\ub7ec\ub9ac \uad6c\ucd95<\/strong>(\uc790\ubc14\uc5b4\/\ubc1c\ub9ac\uc5b4 \ubc0f \uae30\ud0c0 \ubc29\uc5b8 \ubc84\uc804 \ud3ec\ud568)<\/li>\n<\/ol>\n<p>VII. \ud658\ub9ac\uc2a4\ud06c \uad00\ub9ac \uad00\ud589<\/p>\n<p>7\/<em>\ud5e4\uc9d5 \uc6b4\uc601 \uac00\uc774\ub4dc\ub77c\uc778<\/em><br \/>\n\ud5e4\uc9d5 \ud504\ub85c\uc138\uc2a4\ub294 \uc815\uc0b0\ud560 \ub204\uc801 IDR\uc774 \uc784\uacc4\uac12\uc744 \ucd08\uacfc\ud558\uba74 \uc2dc\uc791\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>(i) NDF \uc778\ub3c4\ubd88\ub2a5 \uc120\ubb3c\ud658 \uacc4\uc57d\uc744 \ud1b5\ud574 \ud5a5\ud6c4 7\uc77c\uac04 \ud658\uc728\uc744 \uace0\uc815\ud569\ub2c8\ub2e4.<br \/>\n\uac70\ub798\uc0c1\ub300\ubc29 \ub9ac\uc2a4\ud06c\ub97c \uc904\uc774\uae30 \uc704\ud574 \ud5c8\uac00\ub41c \uc678\ud658 \ube0c\ub85c\ucee4\uc640 CSA \uc2e0\uc6a9 \uc9c0\uc6d0 \ucca8\ubd80 \ud30c\uc77c\uc5d0 \uc11c\uba85\ud569\ub2c8\ub2e4.<br \/>\n\uc790\uce74\ub974\ud0c0 \uc2dc\uac04 \uae30\uc900 \ub9e4\uc77c 16:00\uc5d0 \ud3ec\uc9c0\uc158 \uc794\uace0 \uacc4\uc0b0 \uc2e4\ud589<\/p>\n<p>7... \ubcc0\ub3d9\uc131 \uacbd\uace0 \ubaa8\ub378\uc758 \ub9e4\uac1c\ubcc0\uc218 \uc124\uc815<br \/>\n\ub2e4\uc74c \uba54\ud2b8\ub9ad\uc744 \ubaa8\ub2c8\ud130\ub9c1\ud558\uace0 \uc790\ub3d9 \uc54c\ub9bc\uc744 \uc124\uc815\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<pre><code>\ub9cc\uc57d (\ud45c\uc900 \ud3b8\ucc28 \u03c3 &gt; \uacfc\uac70 90\ubc88\uc9f8 \ubc31\ubd84\uc704\uc218 ||) <br>\r\n\uc911\uc559\uc740\ud589 \uac1c\uc785 \uc2e0\ud638 \uac15\ub3c4 &gt;0.7 || <br>\r\nUSD-IDR \uc120\ubb3c \ud3ec\uc9c0\uc158 \uae09\ub4f1 200%) \uc774\ud6c4 \uc218\ub3d9 \uac80\ud1a0 \ud2b8\ub9ac\uac70...<br>\r\n<\/code><\/pre>\n<p>VIII. \uc0ac\uc6a9\uc790 \uacbd\ud5d8 \ub9c8\uc774\ud06c\ub85c \ud601\uc2e0 \uc0ac\ub840<\/p>\n<p>8. \ud2b9\ubcc4\ud788 \uc124\uacc4\ub41c \uc18c\uc15c \uc774\ucee4\uba38\uc2a4 \uc2dc\ub098\ub9ac\uc624-|<br \/>\n\ud2f1\ud1a1\uc0f5\uacfc \uac19\uc740 \uc0c8\ub85c\uc6b4 \ud50c\ub7ab\ud3fc\uc744 \uc704\ud574 \uac1c\ubc1c\ub41c \uae30\ub2a5\uc785\ub2c8\ub2e4.<\/p>\n<p>- \ub77c\uc774\ube0c \uc1fc\ud551\uc5d0 \ub0b4\uc7a5\ub41c \ubcc0\ub3d9\ub960 \uac10\uc2dc \uae30\ub2a5(15\ucd08\ub9c8\ub2e4 \uc0c8\ub85c \uace0\uce68)<br \/>\n- \"\ub2e8\uccb4 \uad6c\ub9e4 \uac00\uaca9 \uacc4\uc0b0\uae30\": \ucc38\uac00\uc790 \uc218\ub97c \uc785\ub825\ud558\uba74 1\uc778\ub2f9 IDR \ube44\uc6a9\uc774 \uc790\ub3d9\uc73c\ub85c \ud45c\uc2dc\ub429\ub2c8\ub2e4.<br \/>\n- AR \ud6a8\uacfc\ub294 \ub2e4\uc591\ud55c \uc9c0\ud3d0\uc758 \uc2e4\uc81c \uad6c\ub9e4\ub825\uc744 \ube44\uad50\ud558\uc5ec \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n<p>8... \/\uc624\ud504\ub77c\uc778 \ud658\uacbd \uc194\ub8e8\uc158\/<br \/>\n\ub124\ud2b8\uc6cc\ud06c \ud658\uacbd\uc774 \uc5f4\uc545\ud55c \ub3c4\uc11c \uc9c0\uc5ed\uc744 \uc704\ud574 \uc124\uacc4\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<br \/>\n\u2192 USSD \uba54\ub274 \ud2b8\ub9ac\ub85c \uc774\ub3d9\ud558\uc5ec \uae30\ubcf8 \ucffc\ub9ac \uae30\ub2a5\uc744 \uad6c\ud604\ud569\ub2c8\ub2e4(<em>955<\/em>88# \ub300\ud654\ud615 \ubaa8\ub4dc)<br \/>\n\u2192 SMS \uc591\ubc29\ud5a5 \uc778\uc99d\uc73c\ub85c OTP \uc778\uc99d \ud504\ub85c\uc138\uc2a4 \ub300\uccb4<br \/>\n\u2192 \ud3b8\uc758\uc810 \uacb0\uc81c \ubc14\ucf54\ub4dc \uc778\uc1c4\ub97c \uc704\ud55c \ubd84\uc0b0 \uc194\ub8e8\uc158<\/p>\n<p>IX. \uaddc\uc81c \uae30\uc220 \uc801\uc6a9\uc758 \uac1c\ucc99\uc9c0<\/p>\n<p>9.<em>BI-FAST\uc758 \uc0c8\ub85c\uc6b4 \uaddc\uc81c \ub300\uc751<\/em><br \/>\n2024\ub144 \uc778\ub3c4\ub124\uc2dc\uc544\uc758 \ube60\ub978 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc5d0 \ub300\ud55c \uaddc\uc815 \uc900\uc218 \uc694\uac74\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<p>SHA256-RSA \uc774\uc911 \uc11c\uba85 \uc54c\uace0\ub9ac\uc998 \uc0ac\uc6a9<br \/>\n\ubaa8\ub4e0 \ube44\ub3d9\uae30 \uc54c\ub9bc\uc5d0\ub294 \ubc18\ub4dc\uc2dc<code>\uc6d0\ub798 \ucc38\uc870 \ubc88\ud638<\/code>\ud544\ub4dc<br \/>\n\ubd84\uc7c1 \ucc98\ub9ac \uae30\uac04\uc774 \uc601\uc5c5\uc77c \uae30\uc900 D+3\uc77c\ub85c \ub2e8\ucd95\ub428<\/p>\n<p>9. \uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0 \ud2b9\ubcc4 \uccb4\ud06c\ub9ac\uc2a4\ud2b8|<br \/>\n\ud1b5\ud654 \ubcc0\ud658 \uc138\uadf8\uba3c\ud2b8\uc5d0 \ub300\ud55c AML \uc81c\uc5b4 \uc9c0\uc810.<\/p>\n<pre><code>[\u221a] \ucd5c\uc885 \uc218\ud61c\uc790\uac00 \uc2e4\uc81c\ub85c \uc218\ub839\ud55c \ubc95\uc815\ud654\ud3d0\uc758 \uae08\uc561\uacfc \ud1b5\ud654\ub97c \uae30\ub85d\ud569\ub2c8\ub2e4. <br>\r\n[\u221a] \uc6d0\ub798 \uacac\uc801\uacfc \ucd5c\uc885 \uccb4\uacb0\ub41c \ud658\uc728\uacfc\uc758 \ud3b8\ucc28\ub97c \ubb38\uc11c\ub85c \uc720\uc9c0\ud569\ub2c8\ub2e4. <br>\r\n[\u221a] \ud558\ub8e8 \ub204\uc801 \uac70\ub798\uc561\uc774 5\uc5b5 \ub8e8\ud53c\uc544\ub97c \ucd08\uacfc\ud560 \uacbd\uc6b0 \uc5bc\uad74 \uc778\uc2dd \uc758\ubb34\ud654...<br>\r\n<\/code><\/pre>\n<p>X. \ud30c\ub178\ub77c\ub9c8 \uc194\ub8e8\uc158 \uc544\ud0a4\ud14d\ucc98<\/p>\n<p>! 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