{"id":2731,"date":"2025-05-16T18:32:57","date_gmt":"2025-05-16T10:32:57","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2731"},"modified":"2025-05-16T18:32:57","modified_gmt":"2025-05-16T10:32:57","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e7%9a%84%e6%a0%b8%e5%bf%83%e6%8a%80%e6%9c%af%e6%a1%86%e6%9e%b6%e6%8f%ad%e7%a7%98","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/16\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e7%9a%84%e6%a0%b8%e5%bf%83%e6%8a%80%e6%9c%af%e6%a1%86%e6%9e%b6%e6%8f%ad%e7%a7%98\/","title":{"rendered":"\uc778\ub3c4 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\uc758 \ud575\uc2ec \uae30\uc220 \ud504\ub808\uc784\uc6cc\ud06c \uacf5\uac1c"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts61.mm.bing.net\/th?q=phonepe60\" alt=\"\uc778\ub3c4 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\uc758 \ud575\uc2ec \uae30\uc220 \ud504\ub808\uc784\uc6cc\ud06c \uacf5\uac1c\" title=\"\uc778\ub3c4 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\uc758 \ud575\uc2ec \uae30\uc220 \ud504\ub808\uc784\uc6cc\ud06c \uacf5\uac1c\"><\/p>\n<p>\uc778\ub3c4 \uacb0\uc81c \ud50c\ub7ab\ud3fc\uc758 \uae30\uc220 \ud504\ub808\uc784\uc6cc\ud06c\ub294 \ud604\uc9c0 \ud601\uc2e0\uacfc \uae00\ub85c\ubc8c \ud45c\uc900\uc774 \uc870\ud654\ub97c \uc774\ub8e8\uace0 \uc788\uc73c\uba70, \ub192\uc740 \ub3d9\uc2dc\uc131, \ub2e4\uc591\ud55c \uacb0\uc81c \ubc29\ubc95, \uc5c4\uaca9\ud55c \uaddc\uc81c \uc694\uac74\uc5d0 \ub300\uc751\ud558\ub3c4\ub85d \uc124\uacc4\ub41c \ud575\uc2ec \uc544\ud0a4\ud14d\ucc98\ub97c \uac16\ucd94\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \uae30\uc220\uc801 \uad00\uc810\uc5d0\uc11c \uc8fc\uc694 \ubaa8\ub4c8\uc744 \uc2ec\uce35\uc801\uc73c\ub85c \ubd84\uc11d\ud55c \ub0b4\uc6a9\uc785\ub2c8\ub2e4:<\/p>\n<ol>\n<li>\ub2e4\uacc4\uce35 \uc778\uc99d \uc5d4\uc9c4<\/li>\n<\/ol>\n<ul>\n<li>\uc9c0\ubb38\/\ud64d\ucc44 \uc778\uc99d\uc73c\ub85c 12\uc5b5 \uba85\uc758 \uc0ac\uc6a9\uc790\ub97c \uc9c0\uc6d0\ud558\ub294 Aadhaar \uc0dd\uccb4\uc778\uc2dd \ubc0f UPI V2 \ub514\ubc14\uc774\uc2a4 \ubc14\uc778\ub529 \uae30\uc220\uc774 \ud1b5\ud569\ub41c \ub3d9\uc801 \uacc4\uce35\ud615 \uc778\uc99d \uba54\ucee4\ub2c8\uc998<\/li>\n<li>\uc9c0\ub2a5\ud615 \ub77c\uc6b0\ud305 \uc54c\uace0\ub9ac\uc998\uc740 \uac70\ub798 \uc704\ud5d8 \uc218\uc900\uc5d0 \ub530\ub77c SMS OTP\/\uc74c\uc131 OTP\/\uc5bc\uad74 \uc778\uc2dd \uc870\ud569 \uc804\ub7b5\uc744 \uc790\ub3d9\uc73c\ub85c \uc804\ud658\ud569\ub2c8\ub2e4.<\/li>\n<li>\uc2e4\uc2dc\uac04 \uc0ac\uae30 \ud0d0\uc9c0 \uc2dc\uc2a4\ud15c \ucc98\ub9ac \uc9c0\uc5f0 &lt;50ms, \uc624\uacbd\ubcf4\uc728 0.001% \uc774\ud558 \uc81c\uc5b4<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>UPI \uc2a4\ud0dd \ucd5c\uc801\ud654<\/li>\n<\/ol>\n<ul>\n<li>\uc2a4\ub9c8\ud2b8\ud3f0\uc774 \uc544\ub2cc 3\uc5b5 \uba85\uc758 \uc0ac\uc6a9\uc790\uc5d0\uac8c \ub3c4\ub2ec\ud558\ub294 \ud53c\ucc98\ud3f0\uc5d0\uc11c USSD \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\ub97c \uc9c0\uc6d0\ud558\ub294 \ub3c5\uc810\uc801\uc778 NanoOS \uc2dc\uc2a4\ud15c<\/li>\n<li>4G \ub124\ud2b8\uc6cc\ud06c\uc5d0\uc11c \ud2b8\ub79c\uc7ad\uc158 \ud655\uc778 \uc2dc\uac04\uc744 2.3\ucd08\uc5d0\uc11c 0.9\ucd08\ub85c \uc555\ucd95\ud558\ub294 QUIC \ud504\ub85c\ud1a0\ucf5c\uc744 \uae30\ubc18\uc73c\ub85c \uc218\uc815\ub41c UPI+ \uc804\uc1a1 \ub808\uc774\uc5b4<\/li>\n<li>\ube44\ub3d9\uae30 \ube44\uc794\ud2f4 \ub0b4\uacb0\ud568\uc131 \uc54c\uace0\ub9ac\uc998\uc744 \uc0ac\uc6a9\ud558\uc5ec NPCI(National Payments Corporation)\uc5d0\uc11c \ubc30\ud3ec\ud55c \ubd84\uc0b0 \uccad\uc0b0 \ub178\ub4dc\ub85c, \ud558\ub8e8 \ucd5c\ub300 \ucc98\ub9ac \uc6a9\ub7c9\uc774 5\uc5b5 \uac74\uc5d0 \ub2ec\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<ol start=\"3\"><\/p>\n<li>\ud558\uc774\ube0c\ub9ac\ub4dc \uacb0\uc81c \ub9e4\ud2b8\ub9ad\uc2a4<\/li>\n<\/ol>\n<ul>\n<li>GSTN \uc138\uae08 \uc5d4\uc9c4\uc740 \uc8fc \uac04 \uac70\ub798\uc5d0 \ub300\ud55c IGST(\ud1b5\ud569 \uc0c1\ud488 \ubc0f \uc11c\ube44\uc2a4\uc138)\ub97c \uc18c\uc218\uc810 \uc774\ud558 4\uc790\ub9ac \uc815\ud655\ub3c4\ub85c \uc2e4\uc2dc\uac04\uc73c\ub85c \uacc4\uc0b0\ud569\ub2c8\ub2e4.<\/li>\n<li>RBI \uc2b9\uc778 '\uc6cc\ud130\ud3f4 \uacb0\uc81c' \uc2dc\uc2a4\ud15c: \uc740\ud589 \uacc4\uc88c \uc794\uc561 \u2192 \uc9c0\uac11 \uc794\uc561 \u2192 BNPL \ud06c\ub808\ub527 \u2192 \uc9c1\ubd88\uce74\ub4dc \uc790\ub3d9 \ucda9\uc804 \uc6b0\uc120 \uc0ac\uc6a9<\/li>\n<\/ul>\n<ol start=\"4\"><\/p>\n<li>\n<p><strong>\uc778\ud154\ub9ac\uc804\ud2b8 \ub77c\uc6b0\ud305 \ubc0f \ubd80\ud558 \ubd84\uc0b0<\/strong><\/p>\n<ul>\n<li><strong>\uba40\ud2f0\ucc44\ub110 \ub3d9\uc801 \ub77c\uc6b0\ud305 \uc5d4\uc9c4<\/strong>\uc740\ud589\/PSP(\uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4)\uc758 API \uc751\ub2f5 \uc2dc\uac04, \uc131\uacf5\ub960, \uc218\uc218\ub8cc\ub97c \uc2e4\uc2dc\uac04\uc73c\ub85c \ubaa8\ub2c8\ud130\ub9c1\ud558\uc5ec \ucd5c\uc801\uc758 \uacbd\ub85c\ub97c \uc790\ub3d9\uc73c\ub85c \uc120\ud0dd\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc18c\uc561 \uac70\ub798\uc5d0\ub294 \uc800\ub834\ud55c IMPS \ucc44\ub110\uc744 \uc120\ud638\ud558\uace0, \ub300\uaddc\ubaa8 \uac70\ub798\uc5d0\ub294 RTGS \ub124\ud2b8\uc6cc\ud06c\ub97c \uc0ac\uc6a9\ud558\ub294 \uc2dd\uc785\ub2c8\ub2e4.<\/li>\n<li><strong>\uc5e3\uc9c0 \ucef4\ud4e8\ud305 \ub178\ub4dc<\/strong>\ub378\ub9ac\uc758 \ubb44\ubc14\uc774, \ubc29\uac08\ub85c\ub974, \ub378\ub9ac\uc5d0 \ud604\uc9c0\ud654\ub41c \ucc98\ub9ac \uc13c\ud130\ub97c \ubc30\uce58\ud558\uc5ec 401 TP3T\uc758 \uc9c0\uc5f0 \uc2dc\uac04 \ub2e8\ucd95\uc73c\ub85c Anycast DNS\ub97c \ud1b5\ud574 \uac00\uc7a5 \uac00\uae4c\uc6b4 \ub178\ub4dc\ub85c \uc694\uccad\uc744 \ub77c\uc6b0\ud305\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\ub370\uc774\ud130 \uaddc\uc815 \uc900\uc218 \ubc0f \uc554\ud638\ud654 \uc2dc\uc2a4\ud15c<\/strong><\/p>\n<ul>\n<li><strong>\ud1a0\ud070 \ubcf4\uad00\uc18c \uc2dc\uc2a4\ud15c<\/strong>RBI\uc758 PCI-DSS \ubc0f \ub85c\uceec \ub370\uc774\ud130 \uc800\uc7a5 \uc694\uac74(\uacb0\uc81c \ub370\uc774\ud130 \ud604\uc9c0\ud654 \uc815\ucc45 2019) \uc900\uc218, \ubaa8\ub4e0 \uce74\ub4dc \ubc88\ud638\/\uacc4\uc88c \uc815\ubcf4\ub97c \ube44\uac00\uc5ed \ud1a0\ud070\uc73c\ub85c \ub300\uccb4(FPE \ud615\uc2dd\uc740 \uc554\ud638\ud654 \uc720\uc9c0).<\/li>\n<li><strong>\uc591\uc790 \ub0b4\uc131 \uc554\ud638\ud654 \uc2dc\ubc94 \uc11c\ube44\uc2a4<\/strong>\ud5a5\ud6c4 \uc591\uc790 \ucef4\ud4e8\ud305 \uacf5\uaca9\uc744 \ubc29\uc9c0\ud558\uae30 \uc704\ud574 UPI 3.0 \ud14c\uc2a4\ud2b8 \ub124\ud2b8\uc6cc\ud06c\uc5d0 \uaca9\uc790 \uae30\ubc18 \uc11c\uba85 \uccb4\uacc4(\uc608: CRYSTALS-Dilithium)\ub97c \ub3c4\uc785\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc624\ud504\ub77c\uc778 \uacb0\uc81c \uae30\uc220 \uc2a4\ud0dd<\/strong><\/p>\n<ul>\n<li><strong>NFC-SIM \uce74\ub4dc \uacb0\uc81c \uc194\ub8e8\uc158<\/strong>\uc0ac\uc804 \uc2b9\uc778\ub41c \ud1a0\ud070 + \uc0ac\ud6c4 \uc77c\uad04 \uccad\uc0b0 \ubaa8\ub4dc(\ucd5c\ub300 \uc624\ud504\ub77c\uc778 \uae08\uc561 2,000 \ub8e8\ud53c)\ub85c \uc9c0\ud558\ucca0\uacfc \uac19\uc740 \ub124\ud2b8\uc6cc\ud06c \uc5c6\ub294 \uc2dc\ub098\ub9ac\uc624\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/li>\n<li><em>SoundPay<\/em>\uc74c\ud30c \ud1b5\uc2e0 \ud504\ub85c\ud1a0\ucf5c: \uadfc\uac70\ub9ac \uc804\uc1a1, \ucf54\ub4dc \uc18d\ub3c4 1.2kbps \u00b1 0.3% BER \ubcf4\uc0c1\uc744 \uc644\ub8cc\ud558\uae30 \uc704\ud574 DTMF \ud1a4\uc744 \ud1b5\ud574 \ud734\ub300\ud3f0\uc744 \uc791\ub3d9\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>AI \uae30\ubc18 \uc704\ud5d8 \uad00\ub9ac \ud5c8\ube0c<\/strong><\/p>\n<\/li>\n<\/ol>\n<ul>\n<li>\uc5f0\ud569 \ud559\uc2b5 \ud504\ub808\uc784\uc6cc\ud06c, \uc6d0\uc2dc \ub370\uc774\ud130 \ub178\ucd9c \uc5c6\uc774 \uc740\ud589 \uc804\ubc18\uc758 \uc0ac\uae30 \uae30\ub2a5 \ud1b5\ud569<\/li>\n<li>\uc2e4\uc2dc\uac04 \ud589\ub3d9 \ubd84\uc11d\uc744 \ud1b5\ud574 \ube44\uc815\uc0c1\uc801\uc778 \ud328\ud134\uc744 \uac10\uc9c0\ud569\ub2c8\ub2e4:<br \/>\n\uc9c0\ub9ac\uc801 \uc810\ud504 \ub85c\uc9c1(\uc608: \ubb44\ubc14\uc774 \u2192 \uccb8\ub098\uc774 10\ubd84 \ub0b4 \uac70\ub798)<br \/>\n\uae30\uae30 \uc9c0\ubb38 \ubcc0\uc774 \uc2dd\ubcc4\uc790<\/li>\n<li>RBI\uc5d0 \ub530\ub978 '\ucfe8\ub9c1\uc624\ud504' \ucc28\ub2e8 \uc54c\uace0\ub9ac\uc998<\/li>\n<\/ul>\n<p>8.<strong>\uad6d\uacbd \uac04 \uacb0\uc81c \uc801\uc751 \uacc4\uce35<\/strong><\/p>\n<ul>\n<li>\ub3d9\uc801\uc73c\ub85c \ud658\uc728\uc744 \uace0\uc815\ud558\ub294 \uc790\ub3d9 FX \uc5d4\uc9c4<br \/>\nINR \u2194 UAE \ub514\ub974\ud568 \uc989\uc2dc \ud658\uc804 \uc9c0\uc6d0<\/li>\n<li>\ud558\uc648\ub77c \ub124\ud2b8\uc6cc\ud06c \ubaa8\ub2c8\ud130\ub9c1 \ubaa8\ub4c8\ub85c \uc9c0\ud558 \uc790\uae08 \uce68\ud22c \ucd94\uc801<\/li>\n<\/ul>\n<p>9.<strong>\uaddc\uc81c \uc0cc\ub4dc\ubc15\uc2a4 \ud1b5\ud569 \uc778\ud130\ud398\uc774\uc2a4<\/strong><\/p>\n<ul>\n<li>\uc2dc\ubbac\ub808\uc774\uc158 \ud14c\uc2a4\ud2b8 \ud658\uacbd\uc744 \uc81c\uacf5\ud558\ub294 RBI \uc0cc\ub4dc\ubc15\uc2a4 API \uac8c\uc774\ud2b8\uc6e8\uc774<br \/>\n\uc0cc\ub4dc\ubc15\uc2a4\uc5d0\uc11c \ud5c8\uc6a9\ub429\ub2c8\ub2e4.<br \/>\n\uac00\uc0c1 \uc544\ub4dc\ud558\ub974 \uc0dd\uc131\uae30(\ud14c\uc2a4\ud2b8 \uc804\uc6a9)<br \/>\nNPCI \uccad\uc0b0 \ubaa8\uc758 \ub300\uc751<\/li>\n<\/ul>\n<p>10.<strong>\uc7ac\ud574 \ud5c8\uc6a9 \uc544\ud0a4\ud14d\ucc98 \uc124\uacc4<\/strong><br \/>\n\uacf5\ub3d9 \ubc30\uce58\ub41c \ub4c0\uc5bc \uc561\ud2f0\ube0c \ub370\uc774\ud130 \uc13c\ud130 + \uc624\ud504\uc0ac\uc774\ud2b8 \ube44\ub3d9\uae30 \ubc31\uc5c5<br \/>\n\uc9c0\uc5ed \uc815\uc804\uc774 \uac10\uc9c0\ub41c \uacbd\uc6b0<br \/>\n1) \uc704\uc131 \ud1b5\uc2e0 \ubc31\uc5c5 \ub9c1\ud06c(VSAT)\ub85c \uc790\ub3d9 \uc804\ud658<br \/>\n2) \uac04\uc18c\ud654\ub41c USSD \uba54\ub274 \uc2dc\uc2a4\ud15c \ud65c\uc131\ud654<\/p>","protected":false},"excerpt":{"rendered":"<p>\uc778\ub3c4 \uacb0\uc81c \ud50c\ub7ab\ud3fc\uc758 \uae30\uc220 \ud504\ub808\uc784\uc6cc\ud06c\ub294 \ud604\uc9c0 \ud601\uc2e0\uacfc \uae00\ub85c\ubc8c \ud45c\uc900\uc744 \uacb0\ud569\ud558\uace0 \uc788\uc73c\uba70, \ud575\uc2ec \uc544\ud0a4\ud14d\ucc98\ub294 \ub2e4\uc74c\uacfc \uac19\uc774 \uc124\uc815\ub418\uc5b4 \uc788\uc2b5\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":[38],"tags":[],"class_list":["post-2731","post","type-post","status-publish","format-standard","hentry","category-38"],"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>\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u7684\u6838\u5fc3\u6280\u672f\u6846\u67b6\u63ed\u79d8 - 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, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/ko\/2025\/05\/16\/\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u7684\u6838\u5fc3\u6280\u672f\u6846\u67b6\u63ed\u79d8\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u7684\u6838\u5fc3\u6280\u672f\u6846\u67b6\u63ed\u79d8\" \/>\n<meta property=\"og:description\" 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