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The monopoly status of the accredited certificates will disappear from the 10th day. Since the issued public certificate can be used, there are not many changes in the position of the user, but it is expected that it will have an impact on the industry since they have sat the bases for the diversification of electronic signature means.
On the 9th, some financial and fintech companies are preparing to become an electronic signature certification service provider certified by an evaluation agency in accordance with the electronic signature law revision application.
At the end of November, the number of subscribers to private digital signature services such as Kakao Pay and Naver was 66.46 million, surpassing the 46.67 million subscribers to the accredited authentication service, demonstrating the growth potential of the market. .
In particular, financial and fintech companies are targeting digital signature authentication providers to demonstrate security and convenience because the speed of digital conversion was increasing. KB Kookmin Bank and Hana Bank have their own certifications, and Shinhan Bank and others are working on developing their own certification.
Fintech companies plan to obtain certification from rating agencies to provide certification services to financial companies that are not privately certified. This is because there is a high possibility that versatility will be expanded if you become an electronic signature certification company that has been recognized by an evaluation agency.
Viva Republica, which operates Toss, said: “Under the revised Electronic Signature Law, the basis has been prepared for the electronic signature certification service provider to obtain evaluation and recognition for the systematic electronic certification business operation of the assessment agency and the Korea Internet and Security Agency. ” Toss is also working on a partnership with finance companies to get recognition from the rating agency. ”
First, the banking industry introduces KFTC’s “Financial Authentication Service”. It can be used at the same time as an accredited certificate and can be used in multiple banks even if only one person is issued. Currently, Woori Bank and Daegu Bank have applied it, and 12 banks will introduce it on the 10th. The KFTC is also in consultation with scraping companies to replace asset query and easy scraping of loan applications via public certificates.
Naver and Kakao Pay are also keeping a close eye on the digital signature authentication market. Naver’s position is to create an environment where users can authenticate anytime, anywhere using Naver applications (apps) and develop them into a life-oriented service that connects to Naver Pay to complete payments.
The Kakao Pay certification was designated as an official relay of electronic documents by the Ministry of Science, Technology and Communication in March 2018, the first company based on mobile messaging. Kakao Pay said, “Kakao Pay authentication can be conveniently used for simple authentication through Kakao Talk and logging into the services of affiliated institutions.”
On the other hand, before the revision of the Electronic Signature Law, the government has a high public use ▲ National Tax Service (simplified end-of-year settlement service) ▲ Ministry of Public Administration and Security (Service for issuing copies 24-hour government year-end resident registration committee) ▲ Committee on National Rights and Interests (Kookmin Shinmungo) and other major public websites Five candidates were selected for the pilot project (KB Kookmin Bank, NHN Payco, Korea Information Certification, 3 telecommunications companies and Kakao) so that private electronic signatures can be used from January next year.
The following are the four-color usage of private signature authentication and their differences.
■ Launch certificate
Issued during the installation of the Toss app (app) and the membership registration process. Issuance through procedures such as identity verification, terminal occupancy verification and account verification through initial SMS. Used for simple authentication and electronic signatures by Suhyup Bank, SC First Bank, Samsung Fire Insurance, Hana Insurance, and KB Life Insurance. For simple authentication, a virtual identification method (virtual ID) is used for personal information in the same way as a public certificate. 23 million cumulative emissions.
■ Naver Certificate
User authentication through the Naver application. Korea Expressway Corporation, Subscription Home, National Pension Service, and non-life insurance companies have 54 members. Plans to increase to 57 locations this year. When issuing a certificate, the real name information is verified through a reputable authority and various security technologies such as FIDO, PKI, and blockchain are applied. Once issued, it can be used for 3 years. It can also be used on PC by linking it to the Whale browser. 2 million issued.
■ Kakao Pay
Go to Kakao Talk Pay, download it and go through the identity verification process. You can use it by setting a password after account verification Association with Korea Transportation Security Authority, Military Personnel Administration, National Pension Service, National Tax Service, Seoul City, KB Securities and the Ministry of Gender Equality and Family. Implemented in a structure based on public keys and applied blockchain technology. It exceeded 20 million emissions.
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■ KB Kookmin Bank
KB Kookmin Bank application ‘Star Banking’ is issued after identification by mobile phone and identification card of the person’s name. Security technology applies to hardware and software security. Financial transactions are possible without OTP or security card. Available for KB Star Banking, Internet Banking, Live and KB Insurance (subsidiary to expand). 5.3 million issued.
