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‘Kakao Pay Authentication’ can be installed from KakaoTalk … Step 2 self authentication
Naver authentication, installation time 10 ~ 20 seconds … Biometric information must be registered
The versatility of private certificates has limitations … Will a ‘universal certificate’ come out?
With the entry into force of the amendment to the Digital Signature Law on the 10th, the 21-year monopoly of accredited certificates ended, which continued since 1999, opening the era of private electronic signature services. Currently in the domestic market for private authentication services, Kakao leads the way with PASS authentication from three mobile communication companies.(374,500 + 1.08%)Naver(290,000 + 1.40%) Etc. continue with fierce competition to worry the market.
Kakao launched the ‘Kakao Paid Authentication’ service in early June 2017, and Naver started ‘Naver Authentication’ in March. What is the difference between the authentication services provided by the two main Korean portal companies?
On the 11th, the reporter personally received an authentication service provided by Kakao and Naver.
To install the Kakao Pay certificate, connect to the Kakao Talk application (app).
After hitting the ‘More’ tab, a three dot icon in KakaoTalk, I went to the Kakao Pay screen and entered the ‘Service’ page. On this page, several additional Kakao Pay service functions are provided, such as asset management, insurance, loans, investments, electronic documents, remittances and payments. Among them, if you click on the ‘Authentication’ tab, which is a sub-element of the electronic document, you will be directed to the certificate issuance screen.
The Kakao Pay authentication service goes through a two-step identification process (mobile phone / bank account).
After hitting ‘Issue Certificate’, I entered my name, social security number (up to the 7th digit), and mobile phone number, and after the verification was complete, I went to the next step, the account verification process. I entered the bank account number of the reporter’s name and the name of the depositor of 1 won deposited into the account.
Finally, when I set the 8-15 digit password to be used in the certificate, the phrase “Certificate issuance is complete” appeared. The issuance procedure was much simpler than the existing joint certificate (previously public certificate). Without a separate security means, such as a security card or OPT (security remote-control-type device that displays numbers), you can simply register with a mobile phone.
However, it takes 2 minutes to issue a certificate. I spent more time than expected. A lot of time was lost in the process of searching for the Kakao certificate issuance screen. I once got lost in the process of finding the tab-kakaopay-service-electronic e-document authentication page on KakaoTalk. Except for this, the installation charge was small as the Kakao Pay certificate could be issued without installing a separate application. The validity period of the certificate is 2 years.
On the other hand, the ‘Naver Certification’ issue page was easy to find. When I tapped on the ‘My Drawer’ icon in the top right corner of the Naver mobile app, the certificate tab immediately appeared. When I accessed the Naver Certificate page, ‘Issue a Certificate’ appeared on the main screen. After entering the name and mobile phone number and going through the mobile phone authentication process, the phrase “Authenticate with device lock information” appeared. As soon as he took her hand, the biometric information was recorded and the certificate issued.
When I used a certificate, I was embarrassed because there was no option to use a password or biometric information. A Naver official explained: “The registered password, pattern, fingerprint and facial information of the mobile phone in use are used as is. Among them, biometric authentication security is the highest, so it is applied first. “.
It only took dozens of seconds to issue a Naver certificate. The broadcast was possible in less than a minute. The certificate issued in this way can be used for 3 years.
The versatility of private certificates has limitations … Will a ‘universal certificate’ come out?
However, both certificates were not available for Internet banking because there are not many bank affiliates on the market. Kakao is only available from SC First Bank, and Naver is currently discussing an alliance with the first financial sector. For Internet banking, a certificate issued by an individual bank, etc., or a “financial certificate” issued with the KFTC should be used.
Naver is currently partnering with 54 public institutions and financial institutions, including Korea Expressway Corporation, Subscription Home, National Pension Service, and non-life insurance companies. Kakao is associated with 200 organizations, including the Korea Transportation Security Authority, the Military Manpower Administration, the National Pension Service, the National Tax Service, Seoul City, KB Securities, and the Ministry of Equality. of Gender and Family.
The issuance procedure was easy, but the limitations of its versatility remained unfortunate. An industry official predicted that “the current market for private certificates is in the initial stage of the emergence of various services” and “I wonder if the compatibility issue will naturally resolve itself when the conventional certificate is established next year.”
Joara, Hankyung.com Reporter [email protected]
