{"id":3028,"date":"2025-05-25T18:58:12","date_gmt":"2025-05-25T10:58:12","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3028"},"modified":"2025-05-25T18:58:12","modified_gmt":"2025-05-25T10:58:12","slug":"%e5%bc%80%e5%8f%91%e8%80%85%e5%bf%85%e7%9c%8b%ef%bc%9a%e4%b8%ad%e4%b8%9c%e6%94%af%e4%bb%98%e6%95%b0%e6%8d%ae%e5%8a%a0%e5%af%86%e4%b8%8e%e5%90%88%e8%a7%84%e6%80%a7%e8%a6%81%e6%b1%82","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/25\/%e5%bc%80%e5%8f%91%e8%80%85%e5%bf%85%e7%9c%8b%ef%bc%9a%e4%b8%ad%e4%b8%9c%e6%94%af%e4%bb%98%e6%95%b0%e6%8d%ae%e5%8a%a0%e5%af%86%e4%b8%8e%e5%90%88%e8%a7%84%e6%80%a7%e8%a6%81%e6%b1%82\/","title":{"rendered":"\uac1c\ubc1c\uc790 \ud544\uc218: \uc911\ub3d9 \uacb0\uc81c \ub370\uc774\ud130 \uc554\ud638\ud654 \ubc0f \uaddc\uc815 \uc900\uc218 \uc694\uad6c \uc0ac\ud56d"},"content":{"rendered":"

\uc911\ub3d9 \uacb0\uc81c \ub370\uc774\ud130 \uc554\ud638\ud654 \ubc0f \uaddc\uc815 \uc900\uc218 \uc694\uac74 \uac00\uc774\ub4dc<\/h1>\n

\ud575\uc2ec \uaddc\uc815 \uc900\uc218 \ud504\ub808\uc784\uc6cc\ud06c<\/h2>\n
    \n
  1. PCI DSS \ud45c\uc900<\/strong>\uc2e0\uc6a9\uce74\ub4dc \ub370\uc774\ud130\ub97c \ucc98\ub9ac\ud558\ub294 \ubaa8\ub4e0 \ud50c\ub7ab\ud3fc\uc740 \uacb0\uc81c \uce74\ub4dc \uc5c5\uacc4 \ub370\uc774\ud130 \ubcf4\uc548 \ud45c\uc900\uc744 \uc900\uc218\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n
  2. GDPR \uc601\ud5a5<\/strong>EU \uaddc\uc815\uc774\uc9c0\ub9cc \uc911\ub3d9\uc5d0\uc11c \ud65c\ub3d9\ud558\ub294 \uad6d\uc81c \ube44\uc988\ub2c8\uc2a4\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.<\/li>\n
  3. \ub85c\uceec\ub77c\uc774\uc81c\uc774\uc158 \uc694\uad6c \uc0ac\ud56d<\/strong>::\n
      \n
    • \uc0ac\uc6b0\ub514 SAMA \uae08\uc735 \ub370\uc774\ud130 \uaddc\uc815<\/li>\n
    • UAE CBUAE \uc2a4\ud1a0\ub9ac\uc9c0 \uc694\uad6c \uc0ac\ud56d<\/li>\n
    • \uce74\ud0c0\ub974 QCB \ub370\uc774\ud130 \ucc98\ub9ac \uac00\uc774\ub4dc\ub77c\uc778<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n

      \uc8fc\uc694 \uc554\ud638\ud654 \uc694\uad6c \uc0ac\ud56d<\/h2>\n

      \ub370\uc774\ud130 \uc804\uc1a1 \ubcf4\uc548<\/h3>\n
        \n
      • TLS 1.2+ \ud504\ub85c\ud1a0\ucf5c \ud544\uc218(SSL \ubc0f \uc774\uc804 TLS \ubc84\uc804 \ube44\ud65c\uc131\ud654)<\/li>\n
      • AES-256\ube44\ud2b8 \uc554\ud638\ud654 \uae30\ubcf8 \uc81c\uacf5<\/li>\n
      • RSA \ud0a4 \uae38\uc774 \u2265 2048\ube44\ud2b8<\/li>\n<\/ul>\n

        \uc815\uc801 \ub370\uc774\ud130 \ubcf4\ud638<\/h3>\n
          \n
        • FIPS 140-2 \uc778\uc99d HSM \ud558\ub4dc\uc6e8\uc5b4 \ubaa8\ub4c8 \uad8c\uc7a5 \uc0ac\ud56d<\/li>\n
        • \ud1a0\ud070\ud654 \uae30\uc220\ub85c \uc6d0\uc2dc PAN \uc2a4\ud1a0\ub9ac\uc9c0 \ub300\uccb4<\/li>\n
        • \"\uc54c\uc544\uc57c \ud560 \ud544\uc694\" \uae30\uc900\uc758 \ud544\ub4dc \uc218\uc900 \uc554\ud638\ud654(FLE)<\/li>\n<\/ul>\n

          API \ubcf4\uc548 \ubaa8\ubc94 \uc0ac\ub840<\/h2>\n
          # Python \uc608\uc81c: \ubbfc\uac10\ud55c \ub370\uc774\ud130 \ucc98\ub9ac \ubbf8\ub4e4\uc6e8\uc5b4 \uc608\uc81c(\uac1c\ub150 \ucf54\ub4dc)
          \r\ncryptography.hazmat.primitives.ciphers\uc5d0\uc11c Cipher, \uc54c\uace0\ub9ac\uc998, \ubaa8\ub4dc\ub97c \uac00\uc838\uc635\ub2c8\ub2e4. 
          \r\ncryptography.hazmat.backends\uc5d0\uc11c default_backend \uac00\uc838\uc624\uae30 
          \r\n
          \r\ndef encrypt_payment_data(\ub370\uc774\ud130: \ubb38\uc790\uc5f4, \ud0a4: \ubc14\uc774\ud2b8) -> \ub515\uc154\ub108\ub9ac.
          \r\n    iv = os.urandom(16)
          \r\n    cipher = Cipher(algorithms.AES(key), modes.GCM(iv), backend=default_backend())
          \r\n    \uc554\ud638\ud654\uae30 = cipher.encryptor()
          \r\n    ct = encryptor.update(data.encode()) + encryptor.finalize()
          \r\n    \ubc18\ud658 {'iv': iv, '\uc554\ud638\ubb38': ct, '\ud0dc\uadf8': encryptor.tag}
          \r\n<\/code><\/pre>\n
          KYC \uac1c\uc120 \uc0ac\ud56d(\uc911\ub3d9 \ud2b9\ubcc4 \uc694\uad6c \uc0ac\ud56d)<\/h2>\n\n\n\n\n\n\n\n
          \uad6d\uac00<\/th>\n\ubcf8\uc778 \uc778\uc99d<\/th>\n\uc0dd\uccb4 \uc778\uc2dd<\/th>\n\ub85c\uceec \uc5d0\uc774\uc804\ud2b8<\/th>\n<\/tr>\n<\/thead>\n
          \uc0ac\uc6b0\ub514 \uc544\ub77c\ube44\uc544<\/td>\n\ud544\uc218 \ubd88\uac00\uacb0<\/td>\n\uc77c\ubd80 \uc7a5\uba74\uc5d0\uc11c\ub294 \uc9c0\ubb38\/\uc5bc\uad74 \uc778\uc2dd\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/td>\n\ud604\uc9c0 \ub300\ub9ac\uc778 \uc9c0\uc815 \ud544\uc694<\/td>\n<\/tr>\n
          UAE<\/td>\n\ud544\uc218 \ubd88\uac00\uacb0<\/td>\n\uc5d0\ubbf8\ub808\uc774\ud2b8 \ud56d\uacf5 ID \uce69 \uc778\uc99d<\/td>\n\uc790\uc720 \uad6c\uc5ed\uc5d0\ub294 \uc608\uc678\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/td>\n<\/tr>\n
          \ub3c4\ud558<\/td>\n\ud544\uc218 + \uac70\uc8fc\uc9c0 \uc99d\uba85<\/td>\n\ud544\uc218 \uc0dd\uccb4 \uc778\uc2dd \uc5c6\uc74c<\/td>\n–<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
          PCI DSS \uad6c\ud604 \uccb4\ud06c\ub9ac\uc2a4\ud2b8<\/h2>\n
            \n
          1. CDE \ub124\ud2b8\uc6cc\ud06c \uaca9\ub9ac \ubc0f \uc138\ubd84\ud654 \uc644\ub8cc<\/li>\n
          2. PAN \ub514\uc2a4\ud50c\ub808\uc774 \ub9c8\uc2a4\ud0b9 \uba54\ucee4\ub2c8\uc998 \uad6c\ud604(\ucc98\uc74c 6\uc790\ub9ac\uc640 \ub9c8\uc9c0\ub9c9 4\uc790\ub9ac\ub9cc \ud45c\uc2dc)<\/li>\n
          3. SAQ-D \uc124\ubb38\uc9c0 \uc5f0\ub840 \ud3c9\uac00 \ucc44\ud0dd<\/li>\n
          4. ASV \uc2a4\uce90\ub2dd \ubd84\uae30\ubcc4 \uad6c\ud604 \ubc0f \ubcf4\uace0\uc11c \ubcf4\uad00<\/li>\n
          5. PTS \uc778\uc99d \ub2e8\ub9d0\uae30 \uc7a5\ube44 \ubc30\ud3ec<\/li>\n<\/ol>\n
            \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38 \uc194\ub8e8\uc158<\/h2>\n
            Q.<\/strong> \"\ud074\ub77c\uc6b0\ub4dc \uc11c\ubc84\uac00 \uc720\ub7fd\uacfc \ubbf8\uad6d\uc5d0 \uc788\ub294\ub370 \uc5b4\ub5bb\uac8c \uc911\ub3d9 \ub370\uc774\ud130 \uac70\uc8fc \uc694\uac74\uc744 \ucda9\uc871\ud560 \uc218 \uc788\uc744\uae4c\uc694?\"
            \nA.<\/em> (1) \uc9c0\uc5ed \ub0b4 AWS\/Aliyun \ub178\ub4dc \uc120\ud0dd (2) \uacf5\ub3d9 \ubc30\uce58\ub41c \uc774\uc911 \ud65c\uc131 \uc544\ud0a4\ud14d\ucc98 \uad6c\ud604 (3) \ub2f9\uad6d\uc73c\ub85c\ubd80\ud130 \uc11c\uba74 \uba74\uc81c \ud5c8\uac00 \ud68d\ub4dd<\/p>\n
            Q.<\/strong> \"\uc5b4\ub5bb\uac8c \ud558\uba74 \uae30\uc874 POS \uc2dc\uc2a4\ud15c\uc744 \uc800\ub834\ud55c \ube44\uc6a9\uc73c\ub85c \uc5c5\uadf8\ub808\uc774\ub4dc\ud560 \uc218 \uc788\uc744\uae4c\uc694?\"
            \nA.<\/em> P2PE \uc194\ub8e8\uc158\uc73c\ub85c 90% \uaddc\uc815 \uc900\uc218 \ubc94\uc704\ub97c \uc904\uc774\uace0 CDE\uc5d0\uc11c \ub2e8\ub9d0\uae30 \uc81c\uc678<\/p>\n
            \uc815\uae30\uc801\uc778 \ubaa8\uc758 \uce68\ud22c \ud14c\uc2a4\ud2b8(\ucd5c\uc18c 1\ub144\uc5d0 \ud55c \ubc88)\uc640 Qualys \ub610\ub294 Tenable\uacfc \uac19\uc740 \ub3c4\uad6c\ub97c \uc0ac\uc6a9\ud55c \uc9c0\uc18d\uc801\uc778 \ucde8\uc57d\uc131 \ubaa8\ub2c8\ud130\ub9c1\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n
            \uc911\ub3d9 \uacb0\uc81c \uaddc\uc815 \uc900\uc218 \uace0\uae09 \uac00\uc774\ub4dc: \uad6c\ud604 \uc138\ubd80 \uc0ac\ud56d \ubc0f \uc0c8\ub85c\uc6b4 \uacfc\uc81c<\/h1>\n
            \uace0\uae09 \uc554\ud638\ud654 \uad6c\ud604 \ud504\ub85c\uadf8\ub7a8<\/h2>\n
            \ud0a4 \uad00\ub9ac \uc218\uba85 \uc8fc\uae30<\/h3>\n
              \n
            1. \n
              HSM \ud074\ub7ec\uc2a4\ud130 \ubc30\ud3ec<\/strong>::<\/p>\n
                \n
              • \ud0c8\ub808\uc2a4 \ub8e8\ub098 \ub610\ub294 AWS \ud074\ub77c\uc6b0\ub4dcHSM \uc9c0\uc5ed\ud654\ub41c \ubc30\ud3ec<\/li>\n
              • \uc790\ub3d9 \ud398\uc77c\uc624\ubc84\ub97c \uc704\ud55c \ub2e4\uc911 AZ \uad6c\uc131<\/li>\n
              • \ud0a4 \uad50\uccb4 \uc815\ucc45(\ube44\uc988\ub2c8\uc2a4 \ud0a4\uc758 \uacbd\uc6b0 90\uc77c, \ub8e8\ud2b8 \ud0a4\uc758 \uacbd\uc6b0 1\ub144)<\/li>\n<\/ul>\n<\/li>\n
              • \n
                \uc591\uc790 \ucef4\ud4e8\ud305 \ubcf4\ud638 \uc900\ube44 \uc0c1\ud0dc<\/strong>::<\/p>\n
                \/\/ Java \uc608\uc2dc: \ud3ec\uc2a4\ud2b8-\ud000\ud140 \uc554\ud638\ud654 \uc54c\uace0\ub9ac\uc998 \ud1b5\ud569(BouncyCastle \uc0ac\uc6a9)
                \r\norg.bouncycastle.pqc.jcajce.provider.BouncyCastlePQCProvider\ub97c \uac00\uc838\uc635\ub2c8\ub2e4;
                \r\n
                \r\nSecurity.addProvider(\uc0c8\ub85c\uc6b4 \ubc14\uc6b4\uc2dc\uce90\uc2acPQCProvider());
                \r\n\ud0a4\uc30d \uc0dd\uc131\uae30 kpg = \ud0a4\uc30d \uc0dd\uc131\uae30.getInstance(\"SPHINCS-256\", \"BCPQC\");
                \r\n<\/code><\/pre>\n<\/li>\n<\/ol>\n
                \uad6d\uac00\ubcc4 \uc694\uad6c \uc0ac\ud56d \uc0c1\uc138 \uc815\ubcf4<\/h2>\n
                \uc0ac\uc6b0\ub514 SAMA \ub77c\uc774\ub354<\/h3>\n
                  \n
                • \ub370\uc774\ud130 \uc8fc\uad8c<\/strong>\uae08\uc735 \uac70\ub798 \uba54\ud0c0\ub370\uc774\ud130\ub294 \ub0b4\ubd80\uc5d0 \uc800\uc7a5\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n
                • \uac10\uc0ac \ub85c\uadf8<\/strong>\ubcf4\uc720 \uae30\uac04 \uae30\uc874 6\uac1c\uc6d4\uc5d0\uc11c 13\uac1c\uc6d4\ub85c \uc5f0\uc7a5<\/li>\n
                • \uc0cc\ub4dc\ubc15\uc2a4 \ud14c\uc2a4\ud2b8<\/strong>\uc0c8\ub85c\uc6b4 \uacb0\uc81c \uc0c1\ud488\uc740 NCA \uc778\uc99d \uc0cc\ub4dc\ubc15\uc2a4 \ud658\uacbd\uc5d0\uc11c \ud14c\uc2a4\ud2b8\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n
                  UAE \uc989\uc2dc \uacb0\uc81c \uc2dc\uc2a4\ud15c(IPS) \uc0ac\uc591<\/h3>\n\n\n\n\n\n\n\n
                  \uc2a4\ud3ec\uce20 \uc774\ubca4\ud2b8<\/th>\n\uc694\uccad<\/th>\n<\/tr>\n<\/thead>\n
                  \uac70\ub798 \ud55c\ub3c4<\/td>\n\ub2e8\uc77c \u2264500,000 AED<\/td>\n<\/tr>\n
                  \uacb0\uc81c \uc2dc\uac04<\/td>\n7\u00d724 \uc2e4\uc2dc\uac04 \uacb0\uc81c<\/td>\n<\/tr>\n
                  \ubd84\uc7c1 \ucc3d\uad6c<\/td>\n\ucde8\uc18c \uac00\ub2a5 \uae30\uac04 120\ubd84<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                  \ub370\ube0c\uc635\uc2a4\uc5d0\uc11c\uc758 \uaddc\uc815 \uc900\uc218 \uc790\ub3d9\ud654<\/h2>\n
                    \n
                  1. \ucf54\ub4dc\ud615 \uc778\ud504\ub77c(IaC) \ud15c\ud50c\ub9bf<\/strong>::<\/li>\n<\/ol>\n
                    # \ud14c\ub77c\ud3fc \uc608\uc2dc: PCI \ud638\ud658 \ub124\ud2b8\uc6cc\ud06c \uc138\ubd84\ud654 \uc544\ud0a4\ud14d\ucc98 
                    \r\n\ubaa8\ub4c8 \"PCI_ZONE\" {
                    \r\n source = \"git::https:\/\/example.com\/pci-module.git\"
                    \r\n 
                    \r\n firewall_rules = [
                    \r\n { name=\"PAN-data\", direction=\"INGRESS\", ports=[443], sources=[\"10.0.1.0\/24\"] }
                    \r\n { name=\"db-access\", direction=\"EGRESS\", ports=[3306], destinations=[\"pci-db\"] }
                    \r\n ]
                    \r\n}
                    \r\n<\/code><\/pre>\n
                      <\/p>\n
                    1. CI\/CD \ud30c\uc774\ud504\ub77c\uc778 \uccb4\ud06c\ud3ec\uc778\ud2b8:<\/li>\n<\/ol>\n
                        \n
                      • SAST \uc2a4\uce90\ub2dd \ub2e8\uacc4\ub85c \uace0\uc704\ud5d8 \ucde8\uc57d\uc810 \ucc28\ub2e8(OWASP Top10)<\/li>\n
                      • \uc0ac\uc804 \ud504\ub85c\ub355\uc158 \ud658\uacbd\uc73c\ub85c CBUAE \ubcf4\uc548 \uac10\uc0ac \uaddc\uce59 \uc138\ud2b8 \uc2dc\ubbac\ub808\uc774\uc158<\/li>\n
                      • HSM \uc11c\uba85\uc73c\ub85c \ube4c\ub4dc \uc81c\ud488 \ubb34\uacb0\uc131 \ud655\uc778<\/li>\n<\/ul>\n
                        AI \uacb0\uc81c \uc704\ud5d8 \uad00\ub9ac \uaddc\uc815 \uc900\uc218 \ud544\uc218 \uc0ac\ud56d<\/h2>\n
                        \u26a0\ufe0f \uc911\ub3d9 \uc2dc\uc7a5\uc5d0 \ub300\ud55c \ud2b9\ubcc4\ud55c \uad00\uc2ec<\/em>::<\/p>","protected":false},"excerpt":{"rendered":"
                        \uc911\ub3d9 \uacb0\uc81c \ub370\uc774\ud130 \uc554\ud638\ud654 \ubc0f \uaddc\uc815 \uc900\uc218 \uc694\uac74 \uc9c0\uce68 \ud575\uc2ec \uaddc\uc815 \uc900\uc218 \ud504\ub808\uc784\uc6cc\ud06c PCI DS...<\/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":[35],"tags":[],"class_list":["post-3028","post","type-post","status-publish","format-standard","hentry","category-35"],"yoast_head":"\n\u5f00\u53d1\u8005\u5fc5\u770b\uff1a\u4e2d\u4e1c\u652f\u4ed8\u6570\u636e\u52a0\u5bc6\u4e0e\u5408\u89c4\u6027\u8981\u6c42 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta 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