Government Payment Gateway Korean PG for eGovernment Case Study - PowerPoint PPT Presentation

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Government Payment Gateway Korean PG for eGovernment Case Study

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Market Needs for e-Payment, security technology from internet shopping mall in late 1990's ... Ex) Ordering page of shopping mall ... – PowerPoint PPT presentation

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Title: Government Payment Gateway Korean PG for eGovernment Case Study


1
Government Payment Gateway - Korean PG for
e-Government Case Study
2007. 5. 24 Chang-Kang Seol ISGEG
2
Index
  • Background of e-Commerce market
  • Key Issues
  • PG (BankPay) service for e-Gov in Korea
  • Briefs on BankPay
  • Operational Feature
  • Technical Feature
  • Security
  • Customer Protection
  • Conclusion

3
Background of e-Commerce market in Korea
  • - Historical background
  • Market Needs for e-Payment, security technology
    from internet shopping mall in late 1990s
  • Starting the online bank transfer of Dacom
    (private co) through X.25 in 1997
  • Establishing PG (Bankpay) for the safe public
    e-Payment in 2000
  • Resulting in growth of e-Commerce in 2000s

Growth of e-Commerce
Legal policy support (Korean Government Support
)

4
  • - Market background
  • Continuous growth of e-Commerce market
  • About 100 in 2002 then now about 50 PG companies
    with 5 majors of which M/S is over 80 - Inisys,
    Cyber Payment, Dacom, KCC, Bankpay
  • Competitive market
  • Trend for Users to move into major PGs based on
    security and low costs

? Trend of e-Commerce Transaction
(Unit USD Mil)
Source Korea National Statistical Office
5
? Trend of e-Payment System (Electronic based
payment) Movement from paper based payment i
nto electronic based payment Electronic b
ased payment payment through data transfer
using ICT infra
No. of transaction
Amount
Electronic based Payment
Paper based Payment
Source Bank of Korea Trend of Payment
System 2005. 4.
6
- Legal background for e-Commerce
2002.3
2000.12
1997.8
2006.1
e-Commerce Consumer Protection Act
Regulation for Supervision on Banking
Institutions
Specialized Credit Financial Business Act
Electronic Finance Transaction Act
  • Purpose
  • To create institutional basis for customer
    protection
  • To secure stable transaction for
    e-Commerce
  • Feature
  • To establish protection device from consumer
    damage
  • To introduce insurance to protect consumer
    damage form e- Commerce
  • Purpose
  • To grant Financial Supervisory Service
    to supervise PG
  • To regulate security
  • Feature
  • To supervise PG
  • To regulate PG for its sound transaction
  • To oblige PG to secure information
  • Purpose
  • To define off-line financial transaction
  • To regulate legal relation in Off-Line
    Financial Transaction
  • Feature (2002.3)
  • To position PG as a legal entity
  • To define regulation on PG
  • To secure On-Line credit card
    transaction
  • Purpose
  • To define the electric financial
    transaction
  • To regulate legal relation in FET
  • Feature
  • Enforcing Biz registration on PG
  • To set up the clear legal structure
  • To secure customer using EFT
  • To regulate supervise healthy
    development of EFT

7
Key Issues in Korea
- Protection from customer damage
(Identification/Reparation) ? Legal Risk -
Who will identify the faults and take the
responsibility of reparation from the damage
? Operational Risk - Network hacking,
system down ? Settlement Risk - Bankrupt
  • Operational Issue
  • ? Operation by Government
  • ? Operation by Private Companies
  • - Security Standard Issue
  • ? Network Security
  • Encryption Technology
  • Symmetric or Asymmetric Algorism (Public Key
    Algorism)
  • Message Digest (Hash Function) / Electrical
    Signature (Private Key)
  • SSL (Secure Socket Layer) / SET (Secure
    Electronic Transaction)
  • Authentication by third party
  • ? Host System Security
  • Firewall
  • Intrusion Detection System

8
BankPay (PG of Korean Government)
Founded by Korea Financial Telecommunications
Clearings Institute (KFTCI), incorporated
association chaired by the Bank of Korea
established in 2000
Establishment
Service for Payment Gateway to government
organizations private commercial operators
- Credit Card, Bank Fund Transfer K-Cash
e-Payment Method
Featured by Most Banks Participation, Real Time
Transaction Low Cost
Feature
Service for most of public organization as
e-Procurement, Land Titling, G4C etc. and for
commercial entities as on-line shop, internet
auction, tuition fee etc.
Service Area
(Unit U Mil)
Sales Increase
Source from KFTC 2006
9
Operational Structure
Founded by Korea Financial Telecommunications
Clearings Institute (KFTCI), incorporated
association chaired by BOK supervised by FSS
(Financial Supervisory Service)
Bank Association
Bank of Korea (Chair)
Regular Member (12 Banks)
Associate Member (10 Banks)
Financial Supervisory Service
Governing
CD N/W
Regulating
IFT N/W
Check Clearing
Inter Bank Fund Transfer
KFTC (Incorporated Association)
HOFINET
Paper Giro
Inter Bank Home/Firm Banking System
K-Cash N/W
Electric Giro
Bank Line
Internet Giro
CMS / Giro EDI
Bank B2B
Card VAN K-Cash
UBI (Mobile Pay)
BankPay (PG)
10
Services
- e-Government Framework (Single window for
e-Payment)
?
Services requiring payment solution
Citizens
Business
Vendors/Suppliers
Internet e-Gov portal / Kiosks
Government / Agency Office
Telephony Contact (Voice/Fax/…)
?
Court Session/Decision/Patent/ Auction
Information Sys
e-Citizen / Registration ID (Family/Employment/.
..)
e-Procurement
?
National Assembly Session Broadcasting System
?
?
?
Integrated System for Social Insurances
u-Logistics Postal Service
?
Land Registration and Information System
National Assembly Minutes Publishing Sys
?
?
e-Healthcare Hospital Information System
e-Education Magic School and Campus
Cadastre Management Information System
Legislative Information System
?
?
National / Home Tax Service
e-Customs and e-Clearance System
Legislative Information System
e-Library Library of National Assembly
?
Vehicle and Driver License Service System
Intelligent Transportation System
Electronic Filing System
Election Process Automation
911 / Police Support System
Automatic Fare Collection System
?
Immigration Control System
?
Inter-government Intranet Inter-agency
collaboration
E-Document
Shared Information of Local Government
Assembly Information / Material Communication
Standard Human Resources System
National Finance Information System
Civil/Criminal Trial Procedure System
National Assembly Operations Support Sys
Integrated Information Infrastructure
Court Knowledge Management System
Administration N/W
Finance N/W
Education N/W
Defense N/W
Police N/W
Logistics N/W
11
Establishment
Established in year 2000 for the Public e-payment
system in to comply with the market needs due to
the rapid growth of the e-Commerce (internet
shopping mall) in late 1990s
Service
DB
00.12
BankPay (PG)
IT Infra
Public Internet Center
Public Admin Education N/W
Provision PC ICT Use Education
Groupware (e-mail/ e-document)
e-Gov EA Planning
12
Position in e-Payment Market in Korea
Network e-Cash
Bank Transfer
Credit Card
e-Cash
Traffic Card
Electronic Payment
Prepaid Card
Mobile
Internet
Telephone Line(X.25)
Terminal / Kiosk
Network
Mobile PG
PG
VAN
Traffic PG
Service Provider
Infohurb Mobilians Ubi
Bankpay Dacom Inisys, KCP Etc.
KICC NICE KS-NET Etc.
Intec CC MYBI
Telecom Companies
Financial N/W Co.
e-Cash Co.
Transport Companies
Relevant Co.
SK / KTF / LG
Transport Co.
Banks / Card Companies
Financial Institutes
13
Challenges of BankPay
Stable convenient Internet Payment Service
Payment Method
User Interface
Security
Optimized Solution
  • Credit Card
  • Bank Transfer
  • K-Cash

Suitable/ flexible payment module to user platform
Payment service secured on the basis of PKI
  • e-Procurement
  • Online appeal
  • Content
  • Shopping mall

14
Technical Feature
- Technical Components
15
Technical Feature
- Technical Architecture
BankPay P/G
e-Gov Portal / Web Server
Wallet
CARD
CCIS
Web server (eGov)
INTERNET (OpenNetwork)
TX server
P/G server
Customer
(S/W)
(H/W, S/W)
CMS
HTML Form
(H/W, S/W)
BANK
(N/W)
Internet(TCP/IP)
16
Technical Feature
- Service related program
  • Payment module on Active-X Control
  • Installation on Customers PC downloaded from
    BankPay Server
  • Encrypting Payment Information with e-Signature
  • Clients Request to start Users payment process
    for payment

Wallet
  • Communication program between PG with Users
  • Encrypting Payment Information with e-Signature
    using Authentication
  • Certificate issued by Certification Agency
    (Yessign)
  • Providing the most appropriate TX Server in
    compliance with User platform

TX Server
  • Page for Customer to request for payment for
    products or services
  • Ex) Ordering page of shopping mall

Payment Request
  • Transfer payment request which is compiled by
    the Service (Windows NT)
  • or Java Class (Unix) to PG
  • DB storage after payment processed by PG
  • Notice final payment result from PG to User with
    ASP/JSP/CGI Etc.

Payment Process
  • Request for cancellation to PG

Request Cancellation
  • Transfer cancellation request which is compiled
    by the Service
  • (Windows NT) or Java Class (Unix) to PG
  • DB storage after cancellation processed by PG
  • Notice final cancellation result from PG to User
    with ASP/JSP/CGI Etc.

Payment Cancellation
17
Technical Feature
- Sequence Diagram
Customer
BankPay
e-Gov
Wallet (Customer PC)
Payment Process
TX Server
PG Server
Payment Request
? Click payment button
Customer
? Activating Wallet Software
? PW / Payment Information
? Request for Payment
? Compiling Payment Information
? Encrypting Payment Information (e-Signature
)
? Notice Payment Result
? Result for Payment
? Log storage / Payment Result
DB
? Notice Payment Result
18
Security
  • Electronic signature using PKI Technique
  • Accredited certificate is a certificate issued
    by YESSIGN, an accredited certification
    authority pursuant to "Electronic signature
    Act.
  • Certificate has a series of data which include
    Subscriber's Electronic signature
    verification data, Serial numbers, Subscriber's
    name and the term of validity etc.

19
Security
- Certificate Agency _ Korea Information Security
Agency
  • Below that, there're 6 accredited certification
    authorities
  • Korea Financial Telecommunications Clearings
    Institute, Koscom Inc., KTNET, National
    Computerization Agency, Korea Electronic
    Certificate Authority, Korea Information
    Certificate Authority Inc.

20
Customer Protection
  • - Protection from customer damage
  • Identification
  • Reparation

? Financial Troubles in e-Payment in Korea
Source 2005 Inspection of Administration
21
? Liability of reparation and identification of
responsibility - Electronic Finance
Transaction Act (2006) - Apply the principle
of liability without fault to personal users and
the principle of liability with fault to
companies
? Main contents of Electronic Finance
Transaction Act (2006)
22
Conclusion
  • Customer Protection backed by Governments legal
    policy support - Electronic Finance Transaction
    Act - Promotion e-payment by way of deduction of
    Tax
  • One window PG for most of the public e-Payment -
    Cost, time effectiveness
  • Technical Support - Standard technical
    architecture - Easy access (ICT infrastructure)

KFS for PG for public service
One window
Legal policy Support
Technical Support
  • Effectiveness
  • Multi e-Payment solutions
  • Cost Time Effectiveness
  • Legal Policy
  • Customer Protection
  • e-Payment Promotion
  • ICT
  • Easy Access (N/W expansion)
  • Standard Application (Security)
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