{"id":3441,"date":"2025-08-12T11:18:37","date_gmt":"2025-08-12T03:18:37","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3441"},"modified":"2025-08-12T11:18:37","modified_gmt":"2025-08-12T03:18:37","slug":"%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e6%94%bf%e7%ad%96%e5%92%8c%e7%9b%91%e7%ae%a1%e6%a1%86%e6%9e%b6%e8%a7%a3%e6%9e%90","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/08\/12\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e6%94%bf%e7%ad%96%e5%92%8c%e7%9b%91%e7%ae%a1%e6%a1%86%e6%9e%b6%e8%a7%a3%e6%9e%90\/","title":{"rendered":"\ud30c\ud0a4\uc2a4\ud0c4\uc758 \uacb0\uc81c \uc815\ucc45 \ubc0f \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c \ubd84\uc11d"},"content":{"rendered":"

\ud30c\ud0a4\uc2a4\ud0c4\uc758 \uacb0\uc81c \uc815\ucc45\uacfc \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c\ub294 \ucd5c\uadfc \uba87 \ub144\uac04 \uae08\uc735 \ud3ec\uc6a9\uc131, \ub514\uc9c0\ud138 \uc804\ud658, \uad6d\uc81c \ud45c\uc900\uacfc\uc758 \uc870\uc728\uc744 \ucd09\uc9c4\ud558\uae30 \uc704\ud574 \uc0c1\ub2f9\ud55c \ubcc0\ud654\ub97c \uacaa\uc5c8\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \uaddc\uc81c \uae30\uad00, \uc815\ucc45 \ud504\ub808\uc784\uc6cc\ud06c, \uc8fc\uc694 \uaddc\uc815 \ubc0f \uc5c5\uacc4 \ub3d9\ud5a5\uc5d0 \ub300\ud55c \uccb4\uacc4\uc801\uc778 \ubd84\uc11d\uc785\ub2c8\ub2e4:<\/p>\n

\n

I. \ud575\uc2ec \uaddc\uc81c \uae30\uad00<\/strong><\/h3>\n
    \n
  1. \n

    \ud30c\ud0a4\uc2a4\ud0c4 \uc8fc\ub9bd\uc740\ud589(SBP)<\/strong><\/p>\n

      \n
    • \uc911\uc559\uc740\ud589 \uae30\ub2a5: \uacb0\uc81c \uc2dc\uc2a4\ud15c \uaddc\uc81c, \ud1b5\ud654 \uc815\ucc45 \uc2dc\ud589, \uae08\uc735 \uae30\uad00 \uc778\ud5c8\uac00\ub97c \ub2f4\ub2f9\ud569\ub2c8\ub2e4.<\/li>\n
    • \uc8fc\uc694 \uc774\ub2c8\uc154\ud2f0\ube0c: 2025\ub144\uae4c\uc9c0 \uc131\uc778 \uc740\ud589 \uacc4\uc88c \ubcf4\uae09\ub960 80%\ub97c \ubaa9\ud45c\ub85c \ud558\ub294 \uad6d\uac00 \uacb0\uc81c \uc2dc\uc2a4\ud15c \uc804\ub7b5(NPSS)\uc744 \uc2dc\uc791\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n
    • \n

      \ud30c\ud0a4\uc2a4\ud0c4 \uc99d\uad8c\uac70\ub798\uc704\uc6d0\ud68c(SECP)<\/strong><\/p>\n

        \n
      • \uad00\ud560\uad8c: \ube44\uc740\ud589 \ud540\ud14c\ud06c \uae30\uc5c5(\uc608: P2P \ub300\ucd9c \ud50c\ub7ab\ud3fc), \uc99d\uad8c \uad00\ub828 \uacb0\uc81c \uc11c\ube44\uc2a4.<\/li>\n<\/ul>\n<\/li>\n
      • \n

        \uc5f0\ubc29\uad6d\uc138\uccad(FBR)<\/strong><\/p>\n

          \n
        • \uc138\uae08 \uc900\uc218: \uc804\uc790 \uacb0\uc81c\uc5d0 \ub300\ud55c \uc138\uae08 \uc2e0\uace0 \ubaa8\ub2c8\ud130\ub9c1(\uc608: \ub514\uc9c0\ud138 \uac70\ub798\uc5d0 \ub300\ud55c 191 TP3T \ud310\ub9e4\uc138(\ubd80\ubd84 \uba74\uc81c)).<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n
          \n

          II. \uc8fc\uc694 \uc815\ucc45 \ubc0f \uaddc\uc815<\/strong><\/h3>\n
            \n
          1. \n

            \uc804\uc790 \ud654\ud3d0 \uae30\uad00 \uaddc\uc815(EMI, 2019)<\/strong><\/p>\n

              \n
            • NBFC\ub294 \ucd5c\uc18c \uc790\ubcf8\uae08 \uc694\uac74(2\uc5b5 \ub8e8\ud53c \u2248 70\ub9cc \ub2ec\ub7ec)\uc5d0 \ub530\ub77c \uc804\uc790\uc9c0\uac11\uc744 \ubc1c\ud589\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n
            • \ub300\ud45c\uc801\uc778 \ud68c\uc0ac: JazzCash(\ud1b5\uc2e0\uc0ac \uc18c\uc720), EasyPaisa.<\/li>\n<\/ul>\n<\/li>\n
            • \n

              \uc989\uc2dc \uacb0\uc81c \uc2dc\uc2a4\ud15c(Raast)<\/strong><\/p>\n

                \n
              • SBP\uac00 \uc8fc\ub3c4\ud558\ub294 \ubb34\ub8cc \uc2e4\uc2dc\uac04 \uccad\uc0b0 \uc2dc\uc2a4\ud15c\uc740 2021\ub144\uc5d0 \uc77c\ud3c9\uade0 100\ub9cc \uac74 \uc774\uc0c1\uc758 \uac70\ub798\ub97c \ucc98\ub9ac\ud560 \uc218 \uc788\ub294 \uaddc\ubaa8\ub85c \uac00\ub3d9\ub420 \uc608\uc815\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n
              • \n

                AML\/CFT \ubc95\ub960<\/strong><\/p>\n

                  \n
                • 2010\ub144 AML\ubc95\uc5d0 \ub530\ub77c \uacb0\uc81c \ud50c\ub7ab\ud3fc\uc740 KYC\ub97c \uad6c\ud604\ud574\uc57c \ud569\ub2c8\ub2e4:\n
                    \n
                  • \ub4f1\uae09\ubcc4 \uacc4\uc815: \uae30\ubcf8 \uacc4\uc815\uc740 \ud734\ub300\ud3f0 \ubc88\ud638 \uc778\uc99d\ub9cc \ud544\uc694\ud569\ub2c8\ub2e4(\uc6d4 50,000\ub8e8\ud53c \ud55c\ub3c4).<\/li>\n
                  • \ubaa8\ub4e0 \uae30\ub2a5\uc744 \uc0ac\uc6a9\ud558\ub824\uba74 \uc0dd\uccb4 \uc778\uc2dd ID \uc778\uc99d\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n
                  • \n

                    \uad6d\uacbd \uac04 \uacb0\uc81c \uc81c\ud55c<\/strong><\/p>\n

                      \n
                    • SBP\ub294 \uac1c\uc778 \uc678\ud658 \uc1a1\uae08 \ud55c\ub3c4\ub97c \uc5f0\uac04 10\ub9cc \ub2ec\ub7ec\ub85c \uc81c\ud55c\ud558\uace0, \uc804\uc790\uc0c1\uac70\ub798 \uc218\uc785 \ub300\uae08\uc740 \uc0ac\uc804\uc5d0 \uc2e0\uace0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n
                      \n

                      III. \uc2dc\uc7a5 \uc5ed\ud559 \ubc0f \uacfc\uc81c<\/strong><\/h3>\n
                        \n
                      • \uc131\uc7a5 \ub370\uc774\ud130<\/strong>\ubaa8\ubc14\uc77c \uc9c0\uac11 \uc0ac\uc6a9\uc790\ub294 4,500\ub9cc \uba85(\uc778\uad6c\uc758 201%)\uc5d0 \ub2ec\ud558\uc9c0\ub9cc \ud604\uae08\uc740 \uc5ec\uc804\ud788 GDP\uc758 171%\ub97c \ucc28\uc9c0\ud569\ub2c8\ub2e4.<\/li>\n
                      • \ub3c4\uc804<\/strong><\/em>::\n
                          \n
                        • \uc0c1\ud638 \uc6b4\uc6a9\uc131 \ubd80\uc871<\/strong><\/em>\uc11c\ub85c \ub2e4\ub978 \uc804\uc790\uc9c0\uac11 \uac04\uc758 \uc774\uccb4\ub294 \uc5ec\uc804\ud788 \uc740\ud589 \uac8c\uc774\ud2b8\uc6e8\uc774\ub97c \uac70\uccd0\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n
                        • \ud601\uc2e0 \ud30c\uc77c\ub7ff<\/strong><\/em>::\n
                            \n
                          • SBP, \ucd5c\ucd08\uc758 \ube14\ub85d\uccb4\uc778 \uad6d\uacbd \uac04 \uc1a1\uae08 \ud504\ub85c\uc81d\ud2b8(2023\ub144 UAE-\ud30c\ud0a4\uc2a4\ud0c4 \ud68c\ub791)\ub97c \uc2b9\uc778\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
                            \n

                            IV. \uc911\uad6d \uae30\uc5c5\uc5d0 \ub300\ud55c \uc2dc\uc0ac\uc810<\/p>\n

                              \n
                            1. \ud569\uc791 \ud22c\uc790 \ubaa8\ub378<\/strong><\/em>\uc678\uad6d\uc778 \uc9c0\ubd84\uc740 60%\ub85c \uc81c\ud55c\ub418\uba70 \ud604\uc9c0 \ud30c\ud2b8\ub108(\uc608: UBL \uc740\ud589 \ub610\ub294 Telenor)\uc640 \ud611\ub825\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.
                              \n2.\uaddc\uc815 \uc900\uc218 \ucd08\uc810<\/strong><\/em>
                              \n\ub370\uc774\ud130\uac00 \ub85c\uceec\uc5d0 \uc800\uc7a5\ub418\uc5b4 \uc788\ub294\uc9c0 \ud655\uc778\ud569\ub2c8\ub2e4(SBP\ub294 \ucd5c\uc18c \uad6d\uac00 \ub0b4 \ubc31\uc5c5\uc774 \ud544\uc694\ud568).<\/li>\n<\/ol>\n

                              \ud2b9\uc815 \uc601\uc5ed(\uc608: \ub514\uc9c0\ud138 \ud654\ud3d0 \ud30c\uc77c\ub7ff\uc758 \uc9c4\ud589 \uc0c1\ud669)\uc5d0 \ub300\ud574 \ub354 \uc790\uc138\ud788 \uc54c\uc544\ubcfc \ud544\uc694\uac00 \uc788\ub294 \uacbd\uc6b0, \uc774\ub97c \ub354 \uc790\uc138\ud788 \uc0b4\ud3b4\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

                              \uc774\uc81c \uc0c8\ub85c\uc6b4 \ud2b8\ub80c\ub4dc, \uc138\ubd84\ud654 \uae30\ud68c, \uc2e4\ubb34 \uc218\uc900\uc758 \uaddc\uc815 \uc900\uc218 \uc870\uc5b8 \ub4f1 \ud30c\ud0a4\uc2a4\ud0c4 \uacb0\uc81c \uc0dd\ud0dc\uacc4\uc758 \ub2e4\ub978 \uc8fc\uc694 \uce21\uba74\uc5d0 \ub300\ud574 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4:<\/p>\n

                              \n

                              V. \uc2dc\uc7a5 \uc138\ubd84\ud654 \uae30\ud68c \ubd84\uc11d<\/strong><\/h3>\n

                              1. \uc804\uc790\uc0c1\uac70\ub798 \uacb0\uc81c \uc194\ub8e8\uc158<\/strong><\/h4>\n
                                \n
                              • \uc2dc\uc7a5 \uaddc\ubaa8<\/strong>\ud30c\ud0a4\uc2a4\ud0c4\uc758 \uc804\uc790\uc0c1\uac70\ub798\ub294 \uc5f0\uac04 351\uc870 3,000\uc5b5 \ub2ec\ub7ec(2023\ub144\uae4c\uc9c0 60\uc5b5 \ub2ec\ub7ec)\uc758 \uc131\uc7a5\ub960\uc744 \ubcf4\uc774\uace0 \uc788\uc9c0\ub9cc, COD(\ub300\uae08 \uc0c1\ud658) \ube44\uc911\uc740 \uc5ec\uc804\ud788 701\uc870 3,000\uc5b5 \ub2ec\ub7ec\uac00 \ub118\uc2b5\ub2c8\ub2e4.<\/li>\n
                              • \ud601\uc2e0 \uc0ac\ub840<\/strong>::\n
                                  \n
                                • \ub2e4\ub77c\uc988 \ud398\uc774(Ali \uae30\ubc18)\ub294 3\ubc88\uc758 \ubb34\uc774\uc790 \ud560\ubd80\uac00 \uac00\ub2a5\ud55c \uc9c0\uae08 \uad6c\ub9e4 \ud6c4 \ub098\uc911\uc5d0 \uacb0\uc81c(BNPL) \uc11c\ube44\uc2a4\ub97c \ucd9c\uc2dc\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n
                                • SBP\ub294 \ud604\uae08 \uc758\uc874\ub3c4\ub97c \uc904\uc774\uae30 \uc704\ud574 2025\ub144\uae4c\uc9c0 \uc774\ucee4\uba38\uc2a4 \ud50c\ub7ab\ud3fc\uc5d0 Raast\uc5d0 \uc811\uc18d\ud560 \uac83\uc744 \uc694\uccad\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

                                  2. \uad6d\uacbd \uac04 B2B \uacb0\uc81c\uc758 \ubb38\uc81c\uc810\uacfc \ub3cc\ud30c\uad6c<\/strong><\/h4>\n
                                    \n
                                  • \ud604\uc0c1 \uc720\uc9c0<\/strong>\uc911\uc18c\uae30\uc5c5\uc758 \ud574\uc678 \ubb34\uc5ed \uacb0\uc81c\ub294 \uc8fc\ub85c \uc740\ud589 \uc2e0\uc6a9\uc7a5(7~15\uc77c \uc18c\uc694)\uc5d0 \uc758\uc874\ud558\uba70, \uc218\uc218\ub8cc\ub294 3%~5%\uc5d0 \ub2ec\ud569\ub2c8\ub2e4.<\/li>\n
                                  • \ud30c\uc77c\ub7ff \uc815\ucc45<\/strong><\/em>SBP\ub294 \uc218\ucd9c\uc5c5\uccb4\uc5d0 \uc989\uc2dc \uc678\ud658 \uacb0\uc81c\ub97c \uc81c\uacf5\ud558\ub294 \uc2a4\ud2b8\ub77c\uc774\ud504\ud615 \uc560\uadf8\ub9ac\uac8c\uc774\ud130 \uacb0\uc81c \ud50c\ub7ab\ud3fc\uc744 \uc2b9\uc778\ud569\ub2c8\ub2e4(\uc138\uad00 \ub370\uc774\ud130 \uc77c\uce58 \uc870\uac74).<\/li>\n<\/ul>\n

                                    3. \ub18d\uc5c5 \uae08\uc735 \uae30\uc220<\/em><\/h4>\n
                                      \n
                                    • SBP\ub294 \uc740\ud589\uc774 10% \ub300\ucd9c\uc744 \ub18d\uc5c5\uc5d0 \ud22c\uc790\ud558\ub3c4\ub85d \uc758\ubb34\ud654\ud558\uc5ec '\ub514\uc9c0\ud138 \ud1a0\uc9c0 \ub4f1\ub85d + \uc9c0\ubd88' \ud504\ub85c\uadf8\ub7a8\uc744 \ud0c4\uc0dd\uc2dc\ucf30\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, UBL\uc740 \uc9c0\ubc29 \uc815\ubd80\uc640 \ud611\ub825\ud558\uc5ec \ub18d\ubd80\ub4e4\uc744 \uc704\ud55c \uc2e0\uc6a9 \uc810\uc218 \ubaa8\ub378\uc744 \uac1c\ubc1c\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n
                                      \n

                                      VI. \uaddc\uc81c \uc0cc\ub4dc\ubc15\uc2a4\uc640 \ud601\uc2e0 \uc2e4\ud5d8<\/strong><\/h3>\n
                                        \n
                                      1. \n

                                        \ub514\uc9c0\ud138 \ud1b5\ud654\uc5d0 \ub300\ud55c \uc9c4\ud589 \uc0c1\ud669<\/strong><\/em><\/p>\n

                                          \n
                                        • \ub3c4\ub9e4 CBDC<\/em>SBP\ub294 \uc740\ud589 \uac04 \uacb0\uc81c \ud14c\uc2a4\ud2b8\ub97c \uc644\ub8cc\ud588\uc2b5\ub2c8\ub2e4(\ud558\uc774\ud37c\ub808\uc800 \ud328\ube0c\ub9ad \uae30\ubc18).
                                          \n–\ub9ac\ud14c\uc77c \uc624\ub9ac\uc5d4\ud14c\uc774\uc158<\/em>\uc77c\uc2dc \uc911\ub2e8\ub428(IMF\uc758 \ud1b5\ud654 \uc815\ucc45 \ud3ed\uc8fc\uc5d0 \ub300\ud55c \uc6b0\ub824\ub85c \uc778\ud574).<\/li>\n<\/ul>\n<\/li>\n
                                        • \n

                                          \uc624\ud508 \ubc45\ud0b9 API \ud504\ub808\uc784\uc6cc\ud06c<\/strong><\/em> (\ucd08\uc548 \ub2e8\uacc4)
                                          \n\uc0c1\uc704 5\uac1c \uc2dc\uc911\uc740\ud589(\uc608: HBL, MCB)\uc5d0 \uacc4\uc88c \uc778\uc99d\/\uacb0\uc81c \uc778\ud130\ud398\uc774\uc2a4 \uacf5\uac1c\ub97c \uc758\ubb34\ud654 - \ud604\uc7ac \uc77c\ubd80 \uc740\ud589\uc5d0\ub294 Alipay+\ub9cc \uc811\uc18d\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<\/li>\n<\/ol>\n

                                          \n

                                          VII. \uc911\uad6d \ud604\uc9c0 \uae30\uc5c5\uc744 \uc704\ud55c \uc2e4\ubb34 \uac00\uc774\ub4dc
                                          \n1.\ub77c\uc774\uc120\uc2a4 \uc2e0\uccad \uacbd\ub85c \uc635\uc158<\/strong>
                                          \n| \uc0ac\uc5c5 \uc720\ud615 | \ud574\ub2f9 \ub77c\uc774\uc120\uc2a4 | \uc2b9\uc778 \uc2dc\uac04 | \uc790\ubcf8\uae08 \uc694\uad6c \uc0ac\ud56d
                                          \n|——————-|————————–|———-|—————-|
                                          \n|\uc804\uc790 \uc9c0\uac11 \ubc1c\uae09 |EMI \ub77c\uc774\uc120\uc2a4 |9-12\uac1c\uc6d4 |2\uc5b5 \ub8e8\ud53c |2\uc5b5 \uc6d0
                                          \n|\uad6d\uacbd \uac04 \uc1a1\uae08 |Forex AD \ub77c\uc774\uc120\uc2a4 |6\uac1c\uc6d4 + |$500,000 \uc99d\uac70\uae08|<\/p>\n

                                          \n

                                          \ucc38\uace0: \ud604\uc9c0 \ub77c\uc774\uc120\uc2a4 \uc5c5\uccb4\ub97c \uc778\uc218\ud558\uc5ec \uc8fc\uae30\ub97c \ub2e8\ucd95\ud558\ub294 \uac83\uc744 \uc6b0\uc120\uc21c\uc704\ub85c \uc0bc\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4(\uc608: OPPO\uac00 Finja\uc758 \uc77c\ubd80\ub97c \uc778\uc218\ud55c \uc0ac\ub840).<\/p>\n<\/blockquote>\n

                                          2.\ud604\uc9c0\ud654 \uc694\uad6c \uc0ac\ud56d<\/strong><\/p>\n

                                            \n
                                          • \ub370\uc774\ud130 \uc2a4\ud1a0\ub9ac\uc9c0<\/strong><\/em>:: \uac70\ub798 \ub85c\uadf8\ub294 \ucd5c\uc18c 5\ub144 \ub3d9\uc548 Ba\uc5d0 \ubcf4\uad00\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n
                                          • \uc5b8\uc5b4 \uc801\uc751<\/strong><\/em>UI\ub294 \uc6b0\ub974\ub450\uc5b4 \uc624\ub978\ucabd \uc785\ub825(RTL)\uc744 \uc9c0\uc6d0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n
                                          • \ucde8\uae09 \uc218\uc218\ub8cc \ud55c\ub3c4<\/strong><\/em>:: P2P \uc804\uc1a1\uc740 0.1%\ub97c \ucd08\uacfc\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4(Raast \ud45c\uc900 \ucc38\uc870).<\/li>\n<\/ul>\n
                                            \n

                                            VIII. \uc704\ud5d8 \uacbd\uace0
                                            \n1.\uc815\uce58\uc801 \uc704\ud5d8\uc758 \uc608<\/strong>:: 2023\ub144 \uc784\uc2dc \uc815\ubd80\uac00 \ubaa8\ub4e0 \uc628\ub77c\uc778 \ud574\uc678 \uc2e0\uc6a9\uce74\ub4dc \uad6c\ub9e4\ub97c \ub3d9\uacb0(72\uc77c \ub3d9\uc548)\ud568\uc5d0 \ub530\ub77c PayPal \ud310\ub9e4\uc790\uc758 \ubd88\ub9cc\uc774 \ud3ed\uc99d\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.
                                            \n\ud574\uacb0 \ubc29\ubc95: \ud604\uc9c0 \ud1b5\ud654 \uacc4\uc88c\uc5d0 50% \uc774\uc0c1\uc758 \uc720\ub3d9\uc131\uc744 \uc720\uc9c0\ud558\uc138\uc694(MPSA \uc870\ud56d\uc73c\ub85c \ubcf4\uc7a5).<\/p>\n

                                            2.\uae30\uc220 \uaca9\ucc28<\/strong>:: 75% POS\ub294 \uc5ec\uc804\ud788 \ub9c8\uadf8\ub124\ud2f1 \uc2a4\ud2b8\ub77c\uc774\ud504 \uce74\ub4dc\ub9cc \uc9c0\uc6d0\ud558\uba70 \ub4c0\uc5bc \ubaa8\ub4dc \uc7a5\uce58(QR+IC \uce69)\ub97c \uc0ac\uc804 \uc124\uce58\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

                                            \n

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