휴대전화 소액결제 시스템의 구조적 취약점 및이용자 보호를 위한 표준결제창의 개선방안
A Study on Structural Vulnerability of MobilePhone Micropayment System And Improvement of Standard Payment Module for User Protection
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초록
휴대전화 소액결제 시스템은 자동결제 처리 시 이용자의 점유인증을 관리하지 않는다. 콘텐츠제공사업자가 이점을악용하면 허위 결제정보를 생성하여 이용자에게 부당한 요금을 부과할 수 있다. 이와 같은 휴대전화 소액결제 시스템의 구조적 취약점은 소액결제 이용자의 피해로 이어졌다. 이를 해결하기 위해 2012. 8. 이후 이용자의 결제 인증 강화를 위한 표준결제창이 적용되었다. 그러나 표준결제창도 부당한 이용자 피해가 발생할 수 있는 취약점이 존재하는바 이용자 보호를 위한 개선방안을 제안하고자 한다.
Abstract
The automatic payment process of mobile phone micropayment system has not checked user's authentication. That is thestructural vulnerability of mobile phone micropayment system. The malicious contents provider can cheat users and paymentgateway through abusing the structural vulnerability. The payment gateway applies standard payment module after August,2012 in order to solve the problem. But the standard payment module also has the vulnerability that makes damage of users. So the purpose of this paper is to suggest efficient improvement of standard payment module for user protection.
참고문헌 (8)
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