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IPhone user A received a public certificate through the X Bank internet banking home page and signed up for the banking app.
However, there was a problem when I tried to use this certificate in the Y Bank app. I experienced the inconvenience of registering another bank certificate on the home page and copying the certificate in the app.
However, if Z Bank issues a “financial certificate” as of the 10th, it is not necessary to copy the certificate for each bank, app or device.
The KFTC announced that it will implement the financial certification service, which has greatly improved customer convenience and security, based on the mechanism of trust in the public certificate.
Possible financial institutions are △ Industrial △ KB Kookmin △ Soohyup △ Uri After the 10th, △ Company △ NH Nonghyup △ China Industry △ K Bank △ National Forestry Cooperative Federation etc. will also start the service.
The financial authentication service is a service developed jointly by the Financial Clearing House and the bank. Financial certificates are issued and stored in the KFTC’s secure cloud storage. It is an innovative authentication service that can be easily connected and used on PCs and mobile devices anytime, anywhere without installing a separate program.
Financial certificates are the most reliable means of authentication, as they are issued after a thorough identification process in person or in person at a bank. When conducting high-risk financial transactions that require high security, such as large amount transfers and online loans, or issuing documents containing personal information such as the year-end settlement or family relationship certificate, it is essential to use a secure identification method . Financial certificates are very suitable for this.
As the remote environment has spread due to the digital transformation caused by Corona 19, the need for an online certificate that is convenient and reliable is increasing. Striking is the role of financial certification services that can efficiently multitask with a single issuance of financial certificates.
The inconveniences of moving and copying certificates, long and complex passwords, short validity periods, etc. have been greatly improved. You do not need to install a plug-in program or a separate application for authentication. It features fast authentication by greatly simplifying the authentication step.
Companies and institutions wishing to introduce financial certification services can easily apply through the KFTC Customer Service Center (☎1577-5500). Individuals can obtain financial certificates free of charge from the bank’s mobile banking and internet.
Financial certificates will be continually expanded to become an integrated authentication method that can be used not only for financial transactions, but also for all electronic transactions such as government complaints and public matters that require identification.
Director Kim Hak-soo said, “We have established a smart authentication data management system that enables customers to look up the usage history of financial authentication services and analyze data-driven usage patterns to avoid illegal use and theft of certificates. We plan to pursue smart security. “
On the other hand, since the revised Digital Signature Law was implemented, a joint certificate is issued that can be used in the same way as a public certificate to minimize customer confusion and support customers with diverse needs so that customers who are familiar with public certificates do not feel uncomfortable.
Financial authentication services for businesses, which enhance the convenience and security of authentication services at the individual customer level, will also be rolled out in 2021.
KFTC hosts an event while presenting customer-facing financial authentication services. After issuing a financial certificate from the bank, if the issuance completion screen is posted with a hashtag on the personal Instagram account, various prizes such as MacBook and iPhone will be awarded via lottery.
■ Questions and answers about the financial certification service (provided by the Financial Clearinghouse)
Q: Can anyone use it?
A: This is an authentication service performed in conjunction with the KFTC and banknotes, and it is free for all bank customers using the Internet and mobile banking.
Q: how to use
A: Issuance of financial certificate from the menu of the Mobile Banking / Internet Banking Certification Center. The issued financial certificate is stored in the KFTC cloud. Stored certificates can be conveniently used by connecting to the KFTC cloud anytime, anywhere
Q: Where can I use it?
A: Financial institutions such as banks, credit card companies, insurance companies, etc. to which the financial certification service applies, and governmental and public institutions. Government 24, Kookmin Shinmungo, subscription house and hometax are also available.
Q: Is it convenient?
A: Implemented in web standard (HTML5). No separate applications or plug-ins are installed. Available on various devices, operating systems (Windows, Mac, Linux, etc.) and browsers (IE, Chrome, Safari, etc.). Use it as a 6-digit simple password (PIN), pattern, fingerprint, face, etc. Easier use through automatic cloud connection and financial certificate bookmarking settings. Only authentication services can be used comfortably without unnecessary ads and additional services.
Q: Is it safe?
A: Issued after exhaustive identification of the bank in person or not in person according to the electronic signature method. Encrypt financial certificates and save them in the cloud, and securely manage financial certificates by prohibiting movement or copying. When connected to the cloud, smartphone SMS authentication (possibility-based), authentication (2-factor authentication) confirming two-factor via password or biometric input. Provides service through dual encryption device authentication method so that customer can use it only on the connected device. Through the integrated password management, the certificate is locked in case of 10 password errors to prevent unauthorized use of the certificate. The client confirms the certification history. Provides a secure authentication service through application agency management (whitelist), fraud prevention system (FDS), and custom security settings (authentication time, region).
Q: Should it be issued by a bank?
A: No. One financial certificate is issued per person. Used by financial institutions such as banks, credit card companies, insurance companies, etc. to which financial authentication services are applied, as well as government and public institutions.
Q: Can I use other certificates?
A: No. One financial certificate can be issued per person. In addition to the financial certificate, a joint certificate can also be issued and used. Public certificates issued 10 days before can also be used.
Q: Can other data be stored in the KFTC cloud?
A: Only financial certificates can be stored. General data cannot be stored
Q: It is said that the revised digital signature law will abolish the accredited certification system. It’s no longer available
A: No. The public certificate in use is used until the expiration date. Starting from day 0, a joint certificate is issued that can be used in the same way as a public certificate, minimizing the inconvenience of customers familiar with the existing public certificate.
Q: What should I do if the accredited certificate in use expires?
A: It is recommended to use a new secure financial authentication service. If you are familiar with the existing accredited certificate or if the user institution does not support the financial authentication service, obtain a joint certificate and use it in the same way as the accredited certificate.
Q: What is the change in the status of the KFTC accredited certification body due to the revision of the Digital Signature Act?
A: Due to the revision of the Digital Signature Law, the accredited certification agency system was abolished, but the evaluation and recognition system for digital signature certification companies was introduced. Following the revision of the law, the KFTC has been recognized as an electronic signature certification company that has been recognized for meeting the business operation standards of electronic signature certification by an electronic signature recognition institution. Perform the function of providing a secure and reliable authentication service in accordance with the Digital Signature Law.
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