대면거래에서의 전자적 본인확인제도 연구

Abstract

Typically the electronic form of an identity verfication system is treated as an important issue in non face-to-face transaction where one can not directly confront the face of the other with the naked eye rather than in face-to-face transactions facing the counterpart during the dealing process. For example, in e-commerce transactions where dealing can not be resolved in the presence of the other party identity verification is essential in the process of ordering items and payment. However, identity verification is important even in the off-line. In the Banking, insurance, securities and other financial transactions, new subscriptions to wireless carriers, government agencies services, and at the conclusion of an important contract between the concerned,determining who is the counterpart of transaction is as important process as the content. Identity verification of users has become essential in transactions to ensure the accuracy and truthfulness of the user and the procedure. In real life identity verification is primarily made through a visual check, a copy or scan of the identification card issued by a trusted authority such as the state agencies, and besides sometimes it also will require further handwritten signature. Here happens an interesting situation. Despite the person himself s visit, he does not receive confirmation, or identity verification is rejected in the site for the reason which he has no ID card that shows his own identity. It also require a signature,even though only identity verification is needed. Identity verification demands the verification of expression of interest which goes beyond the range of identification, and even requires more responsibilities than notified to him at the time. Then, is the identity verification impossible without identification card? This study are to focus on the possibility of such a technical and institutional conditions and considerations. Identity verification is expected to be developed in electronic form in the face-to-face transactions in real-time when considering the discussions about the paperless bank, paperless office, paperless e-court, and paperless hospitals and so on. If so, in the time of face-to-face transactions, electronic identity verification by the methods until now such as confirming the person with the naked eye or copying identification card is not only inefficient, but also impossible. This study, reviewed the electronic identity verification methods advanced at an face-to-face transactions until now such as biometric-based technology(fingerprint recognition, iris recognition,face recognition, finger vein recognition and stylus method), the card unit-based technology(electronic identification card, electronic passport·IC card system), and mobile device-based(mobile SMS Authentication·OTP authentication method·NFC method), and further looked over the electronic identity verification systems which can be reconciled with the existing legal framework. Especially intensification of dependence on state institutions in identity verification, the confusion of electronic signatures and identity verification, the use of sensitive personal information (biometric information), the use of electronic ID card, and etc. are considered as the important issues, and this study examined the ways to improve them.