{"id":3116,"date":"2025-05-31T21:51:19","date_gmt":"2025-05-31T13:51:19","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3116"},"modified":"2025-05-31T21:51:19","modified_gmt":"2025-05-31T13:51:19","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/","title":{"rendered":"\uc778\ub3c4\uc758 \uc804\uc790\uacb0\uc81c \ub300\ud589\uc0ac\ub294 \uc5b4\ub5bb\uac8c \uc0ac\uae30 \uac70\ub798\ub97c \ubc29\uc9c0\ud560 \uc218 \uc788\uc744\uae4c\uc694?"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts274.mm.bing.net\/th?q=phonepe273\" alt=\"\uc778\ub3c4\uc758 \uc804\uc790\uacb0\uc81c \ub300\ud589\uc0ac\ub294 \uc5b4\ub5bb\uac8c \uc0ac\uae30 \uac70\ub798\ub97c \ubc29\uc9c0\ud560 \uc218 \uc788\uc744\uae4c\uc694?\" title=\"\uc778\ub3c4\uc758 \uc804\uc790\uacb0\uc81c \ub300\ud589\uc0ac\ub294 \uc5b4\ub5bb\uac8c \uc0ac\uae30 \uac70\ub798\ub97c \ubc29\uc9c0\ud560 \uc218 \uc788\uc744\uae4c\uc694?\"><\/p>\n<p>\uc778\ub3c4 \uacb0\uc81c \ud50c\ub7ab\ud3fc\uc5d0\uc11c \uc0ac\uae30 \uac70\ub798\ub97c \ubc29\uc9c0\ud558\ub824\uba74 \ud604\uc9c0 \uaddc\uc81c \uc694\uac74, \uae30\uc220 \ub3c4\uad6c \ubc0f \uc6b4\uc601 \uc804\ub7b5\uc758 \uc870\ud569\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ub2e4\uc74c\uc740 7\uac00\uc9c0 \uce21\uba74\uc5d0\uc11c \uccb4\uacc4\uc801\uc73c\ub85c \ub2e4\ub8e8\uace0 \uc788\ub294 \uc804\ubb38\uac00 \uad8c\uc7a5 \uc0ac\ud56d\uc785\ub2c8\ub2e4:<\/p>\n<ol>\n<li>\ubc95\uc801 \uaddc\uc815 \uc900\uc218 \ud504\ub808\uc784\uc6cc\ud06c<\/li>\n<\/ol>\n<ul>\n<li>RBI\uc758 \uacb0\uc81c \uc2dc\uc2a4\ud15c \uc6b4\uc601\uc790 \uc9c0\uce68(2020)\uc744 \uc5c4\uaca9\ud558\uac8c \uc900\uc218\ud569\ub2c8\ub2e4.<\/li>\n<li>DPA2018 \ub370\uc774\ud130 \ubcf4\ud638 \ud45c\uc900(GDPR\uc5d0 \uc0c1\uc751\ud558\ub294) \uad6c\ud604<\/li>\n<li>PCI DSS \ub808\ubca8 1 \uc778\uc99d \uc694\uad6c \uc0ac\ud56d \uad6c\ud604<\/li>\n<li>\uc790\uae08\uc138\ud0c1\ubc29\uc9c0(PMLA) \uaddc\uc815 \uc900\uc218 \ud300 \uc124\ub9bd<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>\n<p>AI \uc704\ud5d8 \uad00\ub9ac \ub9e4\ud2b8\ub9ad\uc2a4<br \/>\n- \ud589\ub3d9 \uc0dd\uccb4\uc778\uc2dd \uc5d4\uc9c4 \ubc30\ud3ec:<\/p>\n<ul>\n<li>\ud0a4 \uc785\ub825 \ud0a4\ub124\ud2f1 \ubd84\uc11d(TypingDNA \ud1b5\ud569)<\/li>\n<li>\ub514\ubc14\uc774\uc2a4 \uc9c0\ubb38 + GPS \ud2b8\ub799 \ud074\ub7ec\uc2a4\ud130\ub9c1 \ubd84\uc11d<br \/>\n- UPI \uc9c0\ub2a5\ud615 \uc778\ud130\uc149\ud2b8 \uc2dc\uc2a4\ud15c:<\/li>\n<li>NPCI \ud2b8\ub79c\uc7ad\uc158 \uc18d\ub3c4 \ubaa8\ub2c8\ud130\ub9c1<\/li>\n<li>BHIM \uc544\ub4dc\ud558\ub974 \uacb0\uc81c \uc774\uc0c1 \ud328\ud134 \ud0d0\uc9c0<\/li>\n<\/ul>\n<\/li>\n<li>\n<p>L3 \ud310\ub9e4\uc790 \uc778\uc99d \uc2dc\uc2a4\ud15c<br \/>\n\u221a KYC \uac15\ud654 \ud504\ub85c\uc138\uc2a4:<br \/>\n\ube44\ub514\uc624 KYC + CKYC \ub370\uc774\ud130\ubca0\uc774\uc2a4 \uad50\ucc28 \uac80\uc99d<br \/>\n\u221a GSTIN \ub3d9\uc801 \uccb4\ud06c\uc12c:<br \/>\n\uc2e4\uc2dc\uac04 \ud655\uc778\uc744 \uc704\ud55c GST \ud3ec\ud138 API\uc640\uc758 \uc790\ub3d9 \uc5f0\ub3d9<br \/>\n\u221a TDR \uc2a4\ub9c8\ud2b8 \ucc44\uc810:<br \/>\nCRISIL \ub370\uc774\ud130 \uae30\ubc18 \ud310\ub9e4\uc790 \uc2e0\uc6a9 \ud3c9\uac00 \ubaa8\ub378<\/p>\n<\/li>\n<li>\n<p>OTP \ubcf4\uc548 \uac15\ud654 \ud504\ub85c\uadf8\ub7a8<br \/>\n\uc2ec \uc2a4\uc651 \uac10\uc9c0 \uc2dc\uc2a4\ud15c(\ud1b5\uc2e0\uc0ac API\uc640 \uc9c1\uc811 \uc5f0\uacb0) \u25c7 \uc2ec \uc2a4\uc651 \uac10\uc9c0 \uc2dc\uc2a4\ud15c(\ud1b5\uc2e0\uc0ac API\uc640 \uc9c1\uc811 \uc5f0\uacb0)<br \/>\nOTP \uc9c0\uc624\ud39c\uc2f1 \uae30\uc220(\uad6d\uac00 \uac04 \uac70\ub798 \uc778\uc99d \uc81c\ud55c) \u25c7 \uad6d\uac00 \uac04 \uac70\ub798 \uc778\uc99d \uc81c\ud55c<br \/>\nVoiceOTP \ub300\uccb4 \ud504\ub85c\uadf8\ub7a8(\uace0\ub839 \uc0ac\uc6a9\uc790 \uadf8\ub8f9\uc6a9)<\/p>\n<\/li>\n<li>\n<p>RBI \ud544\uc218 \uac10\uc0ac \ud56d\ubaa9 \uc801\uc6a9 \ubc94\uc704<br \/>\n\uc77c\uc77c MIS \ubcf4\uace0\uc11c \uc0dd\uc131(DPSS.CO.PD.No.1815 \ud615\uc2dd)<br \/>\n\ubd84\uae30\ubcc4 CERT-In \uce68\ud22c \ud14c\uc2a4\ud2b8<br \/>\n\uc5f0\uac04 RBI \uae30\uc220 \uc544\ud0a4\ud14d\ucc98 \ud3c9\uac00<\/p>\n<\/li>\n<li>\n<p>\ud604\uc9c0\ud654\ub41c \uc0ac\uae30 \ud504\ub85c\ud544 \ub77c\uc774\ube0c\ub7ec\ub9ac<br \/>\n- Paytm \uc0ac\uae30 \ud328\ud134 \ub77c\uc774\ube0c\ub7ec\ub9ac(200\uac1c \uc774\uc0c1\uc758 \uc9c0\uc5ed \uc0ac\uae30 \ud3ec\ud568)<br \/>\n- UPI ID \ube14\ub799\ub9ac\uc2a4\ud2b8 \uacf5\uc720 \uc5f0\ud569<br \/>\n- \ubc14\ub77c\ud2b8QR \uc911\uac04\uc790 \uacf5\uaca9 \uc2dc\uadf8\ub2c8\ucc98 \uc2dd\ubcc4<\/p>\n<\/li>\n<\/ol>\n<p>7. \ubd84\uc7c1 \ucc98\ub9ac SLA \uba54\ucee4\ub2c8\uc998<br \/>\n\" NPCI, 2\uc2dc\uac04 \uae34\uae09 \ub300\uc751 \uae30\uac04 \uc758\ubb34\ud654<br \/>\n\" \uc5d0\uc2a4\ud06c\ub85c \uacc4\uc88c \uc790\uae08 \ub3d9\uacb0 \uc790\ub3d9\ud654 \uc778\ud130\ud398\uc774\uc2a4<br \/>\n\" \ud310\ub9e4\uc790 \uc9c0\ubd88 \uac70\uc808 \uc608\uce21 \ubaa8\ub378\ub9c1<\/p>\n<p>\uc77c\ubc18\uc801\uc778 \uc0ac\ub840 \ucc98\ub9ac \ud504\ub85c\uc138\uc2a4\uc758 \uc608\uc785\ub2c8\ub2e4:<br \/>\n\ub3d9\uc77c\ud55c IP\uac00 30\ubd84 \uc774\ub0b4\uc5d0 50\uac74\uc758 UPI \uc218\uc9d1 \uc694\uccad\uc744 \uc2dc\uc791\ud55c \uac83\uc73c\ub85c \uac10\uc9c0\ub418\uba74 \uc2dc\uc2a4\ud15c\uc740 \u2460 RBI\uc5d0\uc11c \uc694\uad6c\ud558\ub294 \ucd94\uac00 \uc694\uc18c \uc778\uc99d\uc744 \uc790\ub3d9\uc73c\ub85c \ud2b8\ub9ac\uac70\ud558\uace0 \u2461 \uac70\ub798\ub97c \ub3d9\uacb0\ud558\uace0 NPCI \uc0ac\uae30 \uc2e0\uace0 \ud3ec\ud138\uc5d0 \uc870\uae30 \uacbd\uace0\ub97c \ubcf4\ub0b4\uba70 \u2462 \uc608\uc2a4\ubc45\ud06c\uc758 \uacb0\uc81c \uc77c\uc2dc \uc911\ub2e8 API\ub97c \ud638\ucd9c\ud569\ub2c8\ub2e4.<\/p>\n<p>\uace0\uc704\ud5d8 \uad6d\uac00 FAFT \ubaa9\ub85d, RBI \ucd5c\uc2e0 \uacbd\uace0 \uc0ac\ub840, NPCI \ub77c\uc6b0\ud305 \uaddc\uce59 \ubcc0\uacbd \ub4f1\uc758 \ub9e4\uac1c\ubcc0\uc218\ub97c \ubd84\uae30\ubcc4\ub85c \uc5c5\ub370\uc774\ud2b8\ud560 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4. \uc704\uc758 \uc870\uce58\ub97c \ud1b5\ud574 \uc0ac\uae30 \ubc1c\uc0dd\ub960\uc744 BPSS \uae30\uc900\uc120\uc778 0.015% \uc774\ud558\ub85c \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc790, \uc774\uc81c\ubd80\ud130 \uc778\ub3c4\uc5d0\uc11c \uacb0\uc81c \uc0ac\uae30 \ubc29\uc9c0\ub97c \uc704\ud55c \uae30\uc220\uc801 \uad6c\ud604 \uc138\ubd80 \uc0ac\ud56d\uacfc \uace0\uae09 \uc804\ub7b5\uc744 \ub2e4\uc74c\uacfc \uac19\uc740 \ud575\uc2ec \ubaa8\ub4c8\ub85c \ub098\ub204\uc5b4 \uc790\uc138\ud788 \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4:<\/p>\n<hr>\n<h3><strong>8. \uc2e4\uc2dc\uac04 \ud2b8\ub79c\uc7ad\uc158 \ubaa8\ub2c8\ud130\ub9c1 \uc2dc\uc2a4\ud15c \uc544\ud0a4\ud14d\ucc98<\/strong><\/h3>\n<p><strong>\uae30\uc220 \uc2a4\ud0dd \ud3ec\ud2b8\ud3f4\ub9ac\uc624:<\/strong><\/p>\n<ul>\n<li><strong>\uc2a4\ud2b8\ub9bc \ucc98\ub9ac \uc5d4\uc9c4<\/strong>Apache Flink(UPI\uc5d0\uc11c 2000+ TPS \uc2a4\ud30c\uc774\ud06c \ucc98\ub9ac)<\/li>\n<li><strong>\uaddc\uce59 \uc5d4\uc9c4<\/strong>Drools + \uc0ac\ub0b4 ML \ubaa8\ub378(\uc9c0\uc5ed\ud654\ub41c \uaddc\uce59 \uad6c\uc131 \uc9c0\uc6d0)\n<ul>\n<li>\uc608: \ucf00\ub784\ub77c\uc8fc\uc5d0\uc11c \ud574\uc678 \uc1a1\uae08\uc744 \uc704\ud55c \ud2b9\ubcc4 \uc704\ud5d8 \uad00\ub9ac \uc804\ub7b5<\/li>\n<\/ul>\n<\/li>\n<li><strong>\ub370\uc774\ud130 \uacc4\uce35<\/strong>::\n<pre><code class=\"language-python\"># NPCI \ud2b8\ub79c\uc7ad\uc158 \ub370\uc774\ud130 ETL \uc608\uc81c<br>\r\ndef transform_upi_transaction(raw_data).<br>\r\n    \ubc18\ud658 {<br>\r\n        'txn_id': raw_data['NPCI_REF'],<br>\r\n        'geo_hash': geohash.encode(raw_data['lat'], raw_data['lon'], precision=7),<br>\r\n        'device_cluster': DeviceGraph.find_similar(raw_data['device_fp']),<br>\r\n        'is_high_risk': RiskModel.predict(raw_data)<br>\r\n    }<br>\r\n<\/code><\/pre>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>9. UPI\/IMPS \uc804\uc6a9 \ubc29\uc5b4 \ud504\ub85c\uadf8\ub7a8<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>\uacf5\uaca9 \uc720\ud615<\/th>\n<th>\ud0d0\uc9c0 \uc218\ub2e8<\/th>\n<th>\uc644\ud654 \uc870\uce58<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>QR\ucf54\ub4dc \uad50\uccb4 \uc0ac\uae30<\/td>\n<td>\uc774\ub825\uc11c \uc774\ubbf8\uc9c0 \uc778\uc2dd + \ud310\ub9e4\uc790 \uc9c0\ub9ac\uc801 \uc704\uce58 \ud3b8\ud5a5 \uac10\uc9c0<\/td>\n<td>OTP 2\ucc28 \ud655\uc778 + \ub3d9\uc801 QR\ucf54\ub4dc \uc11c\uba85<\/td>\n<\/tr>\n<tr>\n<td>SIM \uce74\ub4dc \uc778\uc9c8\uadf9<\/td>\n<td>IMEI-SIM \ubc14\uc778\ub529 \ubd84\uc11d(Jio\/Air\ud154 API\uc640 \ud1b5\ud569)<\/td>\n<td>\uc74c\uc131 OTP \ud3f4\ubc31 \uba54\ucee4\ub2c8\uc998<\/td>\n<\/tr>\n<tr>\n<td>\ubbac \uacc4\uc815 \ub124\ud2b8\uc6cc\ud06c<\/td>\n<td>GraphQL \ucffc\ub9ac \uacc4\uc815 \uc5f0\uacb0 \ub9e4\ud551<\/td>\n<td>90\uc77c \uacc4\uc815 \ud65c\ub3d9 \ucfe8\uc624\ud504 \uae30\uac04 \uc758\ubb34\ud654<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h3><strong>10. \uc0c8\ub85c\uc6b4 \ud0c0\uc810 \uaddc\uc815 \ub300\uc751\uc744 \uc704\ud55c \uac00\uc774\ub4dc\ub77c\uc778(2024\ub144 \uc5c5\ub370\uc774\ud2b8)<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>\uc804\uc790\ubb38\uc11c \uc0ac\uae30 \ubc29\uc9c0<\/strong>::<\/p>\n<ul>\n<li>\uc704\uc784 \ubcc0\uacbd\uc740 \uc774\uc911 \uc2b9\uc778(SMS + \uc774\uba54\uc77c)\uc744 \ud2b8\ub9ac\uac70\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li>\uc790\ub3d9 \ucd9c\uae08 \uae08\uc561 \ubcc0\ub3d9 \ubaa8\ub2c8\ud130\ub9c1(&gt;15% \ubcc0\ub3d9 \uc790\ub3d9 \ucd9c\uae08)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uad6d\uacbd \uac04 \uacb0\uc81c \uac15\ud654 \uc778\uc99d<\/strong>::<\/p>\n<pre><code class=\"language-java\">\/\/ FATF \uc5ec\ud589 \uaddc\uce59 \uc900\uc218 \ucf54\ub4dc \uc2a4\ub2c8\ud3ab<br>\r\nif (transaction.isCrossBorder()) {<br>\r\n    require(LRS(FEMA \uc0ac\uc591)).<br>\r\n    \ud2b8\ub9ac\uac70 \ubcf4\uc2a4\ud2b8\ub85c \uacc4\uc815 \ud655\uc778().<br>\r\n    applyDynamicForexLimit().<br>\r\n}<br>\r\n<\/code><\/pre>\n<\/li>\n<li>\n<p>\uc704\uc870\ub97c \ubc29\uc9c0\ud558\ub294 AePS \uc0dd\uccb4 \uc778\uc99d:<br \/>\n\uc2e4\uc2dc\uac04 \uac10\uc9c0 + \uc0dd\ub3d9\uac10 \uc810\uc218 \uc784\uacc4\uac12 \ucee8\ud2b8\ub864 \uc0ac\uc6a9<\/p>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>11. AI \ubaa8\ub378\ubcc4 \ucd5c\uc801\ud654<\/strong><\/h3>\n<pre><code class=\"language-mermaid\">\uadf8\ub798\ud504 TD<br>\r\nA[\uc6d0\uc2dc \ud2b8\ub79c\uc7ad\uc158 \ub370\uc774\ud130] --&gt; B{\uae30\ub2a5 \uc5d4\uc9c0\ub2c8\uc5b4\ub9c1}<br>\r\nB --&gt; C [\uc2dc\uacf5\uac04\uc801 \ud2b9\uc131]<br>\r\nB --&gt; D [\ud589\uc704 \uc21c\uc11c]<br>\r\nC --&gt; E [\uc9c0\uc624\ud574\uc2dc \uadf8\ub9ac\ub4dc \uc774\uc0c1 \ud0d0\uc9c0]<br>\r\nD --&gt; F [LSTM \ud0c0\uc774\ubc0d \ubd84\uc11d]<br>\r\nE &amp; F --&gt; G [XGBoost \ud1b5\ud569 \ud559\uc2b5]<br>\r\nG --&gt; H [\ub3d9\uc801 \uc704\ud5d8 \uc810\uc218 1-100] <br>\r\nH -- \uc810\uc218&gt;75 --&gt; I [\uc218\ub3d9 \uac80\ud1a0 \ub300\uae30\uc5f4] <br>\r\n<\/code><\/pre>\n<p>\uc8fc\uc694 \uc9c0\ud45c \uc694\uad6c \uc0ac\ud56d:<\/p>\n<ul>\n<li>\ub9ac\ucf5c\ub960 \u226598%(\ud14c\uc2a4\ud2b8 \ub204\ub77d \ubc29\uc9c0)<\/li>\n<li>FP \ube44\uc728 \u2264 0.5%(\ud5c8\uc704 \ucc98\uce58 \uac10\uc18c)<\/li>\n<\/ul>\n<hr>\n<h3><strong>12. \uc740\ud589 \uacf5\ub3d9 \ubc29\uc5b4 \ub124\ud2b8\uc6cc\ud06c<\/strong><\/h3>\n<p>\ube14\ub85d\uccb4\uc778 \uae30\ubc18 \uacf5\uc720 \uba54\ucee4\ub2c8\uc998\uc744 \uad6c\ucd95\ud569\ub2c8\ub2e4:<\/p>\n<ol>\n<li>PAN \uce74\ub4dc \ube14\ub799\ub9ac\uc2a4\ud2b8 \ud398\ub354\ub808\uc774\uc158 \uccb4\uc778(\ud558\uc774\ud37c\ub808\uc800 \ud328\ube0c\ub9ad \uad6c\ud604)<\/li>\n<li>IMPS \ubbac \uacc4\uc815 \ud56b\uc2a4\ud31f \ub9f5 \uc2e4\uc2dc\uac04 \ub3d9\uae30\ud654<br \/>\n3.CIBIL \ud558\uc704 \uad50\ucc28 \uc720\ud6a8\uc131 \uac80\uc0ac \uc778\ud130\ud398\uc774\uc2a4<\/li>\n<\/ol>\n<p>\ud30c\ud2b8\ub108\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<pre><code class=\"language-plaintext\">SBI \u2192 \uc608\uc2a4\ubc45\ud06c \u2192 NPCI \uc2a4\uc704\uce58 \u2192 \ub808\uc774\uc800\ud398\uc774 \u2192 \ud398\uc774\ud2f0\uc5e0 <br>\r\n<\/code><\/pre>\n<hr>\n<h3><strong>13. \uace0\uc704\ud5d8 \uc2dc\ub098\ub9ac\uc624\uc5d0 \ub300\ud55c \ud578\ub4dc\ubd81<\/strong><\/h3>\n<h4>\uc0ac\ub8401: PG \uacbd\ub85c \ud558\uc774\uc7ac\ud0b9 \uacf5\uaca9<\/h4>\n<p>\u2705 \uc989\uac01\uc801\uc778 \uc870\uce58.<br \/>\n-\uc0ac\uc774\ubc84\uc140 API\ub97c \ud638\ucd9c\ud558\uc5ec \uc911\uac1c\uc790 \uacc4\uc815 \ub3d9\uacb0\ud558\uae30<br \/>\n-\ub300\uccb4 PCI \uc778\uc99d \ucc44\ub110\ub85c \uc804\ud658\ud569\ub2c8\ub2e4.<\/p>\n<h4>\uc0ac\ub8402: \ubc14\ub77c\ud2b8 \ube4c\ud398\uc774 \uc911\ubcf5 \uc778\ucd9c<\/h4>\n<p>\u2705\ud504\ub85c\uc138\uc2a4.<br \/>\n1. BBPOS \uc2dc\uc2a4\ud15c \ub864\ubc31 \uc9c0\uce68<br \/>\n2. NPCI \ubd84\uc7c1 \uae30\uac04 \ub3d9\uc548 \uc6b0\uc120 \ud574\uacb0<br \/>\n3. \uc790\ub3d9 \ud658\ubd88 + \ubcf4\uc0c1 \uc774\uc790 \uacc4\uc0b0<\/p>\n<h4>\uc0ac\ub840 3: \uc544\ub4dc\ud558\ub974 \ud398\uc774 \uc9c0\ubb38 \uc704\uc870<\/h4>\n<p>\u2705\ub300\uc751 \ud504\ub85c\uadf8\ub7a8.<br \/>\n-UIDAI \ub808\ubca8 2 \ubc14\uc774\uc624 \uc778\uc99d \ucd9c\uc2dc<br \/>\n-CKYCR \uc7ac\uac80\uc99d\uc744 \ud2b8\ub9ac\uac70\ud569\ub2c8\ub2e4.<\/p>\n<hr>\n<p>\uc9c0\uc18d \ubc0f \uc2ec\ud654\ud574\uc57c \ud560 \ubc29\ud5a5\uc5d0 \ub300\ud55c \uad8c\uc7a5 \uc0ac\ud56d:<br \/>\nNPCI\ub97c \uc704\ud55c UAT \ud658\uacbd \uc2a4\ud2b8\ub808\uc2a4 \ud14c\uc2a4\ud2b8 \uc194\ub8e8\uc158 \uc124\uacc4<br \/>\n\uc5ec\uc2e0\uc804\ubb38\uae08\uc735\uc5c5\ubc95 \uac1c\uc815\uc548\uc774 \uc120\ubd88\uce74\ub4dc \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5 \ud3c9\uac00 \u2461 \uc120\ubd88\uce74\ub4dc \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc5d0 \ub300\ud55c \ud3c9\uac00<br \/>\n\uc0ac\uae30 \ubc29\uc9c0\ub97c \uc704\ud55c \ud1a0\ud070\ud654(RBI2019)\uc758 \ud601\uc2e0\uc801\uc778 \uc751\uc6a9 \uc0ac\ub840<\/p>","protected":false},"excerpt":{"rendered":"<p>\uc778\ub3c4 \uacb0\uc81c \ud50c\ub7ab\ud3fc\uc5d0\uc11c \uc0ac\uae30 \uac70\ub798\ub97c \ubc29\uc9c0\ud558\ub824\uba74 \ud604\uc9c0 \uaddc\uc81c \uc694\uac74, \uae30\uc220 \ub3c4\uad6c, \uadf8\ub9ac\uace0...<\/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-3116","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) - 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