생체인증 기반 지급결제 시스템의 도입 방안 = Strategies for the Introduction of Biometric -Based Payment Systems

다국어 초록 (Multilingual Abstract)

This paper proposes a method for user authentication using biometric technology without relying on separate physical authentication tools. Traditional payment and settlement systems have depended on physical cards, passwords, or smartphone applications, which present limitations when users do not possess these devices. Furthermore, risks such as malicious use due to loss or theft, the necessity of regular card renewals, and the inconvenience of installing applications impose constraints on both security and user convenience. Meanwhile, biometric authentication technologies face challenges related to personal data exposure, the potential for duplication, and a lack of international standardization, which hinder their widespread adoption.
To address these issues, this study proposes a highly reliable authentication method based solely on biometric traits, without requiring any physical objects such as cards or smartphones. This approach aims to simplify authentication processes while simultaneously enhancing security. The proposed method is expected to be widely applicable in various fields, including payment and settlement systems, access control, financial transactions, transportation networks, and administrative services, which are all expected to demand such technology in the future.