These days, most government agencies go through personal authentication when they log in or apply for an apartment. At this time, you will be using services such as joint authentication and simple authentication.
Left: Simple authentication when logging in to Government 24 / Right: Simple authentication when logging in to Hometax
In my case, it seems that I use simple authentication more than other things when logging in. Today, among the simple authentication methods, we will check what KB Mobile Certificate is and how to get it. KB모바일인증서 발급
KB Mobile Certificate – Simple authentication method serviced by Kookmin Bank 이베이스매뉴얼
KB Mobile Certificate is a simple authentication method provided by KB Kookmin Bank, which is currently used by KB Financial Group and KB Kookmin Bank, and is also used by many other government agencies.
Once issued, the KB mobile certificate can be authenticated using a preset simple password, pattern, fingerprint, or FACE ID without OTP or security card.
In addition, you can transfer money from your account through the KB mobile certificate stored in your cell phone, and it is a safer method because there is less risk of theft unlike general OTP or security cards.
Who can use KB mobile certificate
It can be used by individuals 14 years of age or older, individual entrepreneurs, and individual voluntary organizations.
However, customers between the ages of 14 and 17 can use it after taking a passport photo or verifying their identity with another certificate (joint certificate), or after issuing a one-time application number at a branch.
Also, it can be used only on Android 5.0 or higher and iOS 11.0 or higher models among smartphone devices under your name.
Organizations that can use KB Mobile Certificate
KB Mobile Certificate can be used in KB Financial Group, including KB Kookmin Bank, and among government agencies, Hometax, Government 24, National Shinmungo, National Pension Service, National Health Insurance Corporation, Ministry of Health and Welfare, Labor Welfare Corporation, etc. This is possible.
KB Mobile Certificate Transfer Limit
When transferring with KB mobile certificate, you can transfer up to 100 million won at one time and up to 500 million won per day.
However, since this condition is the maximum amount that can be transferred, it is recommended to check the limit for one-time and one-day transfers set by the individual in advance.
You can check the transfer limit of Kookmin Bank and check the limit increase by clicking the link below.
How to change the transfer limit of Kookmin Bank, increase the transfer limit
Today, I would like to summarize how to check and change the transfer limit of Kookmin Bank. When you need to transfer large sums of money …
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How to issue KB mobile certificate
First, run the KB Star Banking app and log in.
Click the 3-line menu button in the upper right corner.
Enter the Authentication/Security menu.
Click the first KB Mobile Certificate menu.
Press the + button.
After agreeing to the entire terms and conditions, proceed with identity verification using your mobile phone.
After verifying your mobile phone number, you will be asked to verify your identity again with an ID or joint certificate.
I proceeded to verify my identity using a joint certificate, and then proceeded to verify the account as follows.
Enter your account password and OTP number here.
How to authenticate when logging in with KB Mobile Certificate
Proceed to the menu to register.
Since the simple password and pattern are required, you must register both.
After entering both, you can register your fingerprint or FACE ID.
Fingerprint registration or FACE ID registration is optional, so you may or may not need to do it.
I also registered for FACE ID authentication, and the issuance of KB mobile certificates as shown below has been completed.
Once again, when I go to the KB Mobile Certificate menu, it says that it has been successfully issued as shown below.
The validity period of the KB Mobile Certificate is 2 years, but it is automatically renewed when the usage record occurs in the KB Star Banking app after 1 year from the issuance date.
Therefore, if you actually use it, you can use it for a lifetime without the hassle of renewing it, so it is very convenient. However, if the mobile phone number is changed or the smartphone used is changed, a reissuance is required.
In my case, I highly recommend it because it is used conveniently without OTP or security card! If you haven’t received it yet, give it a try!
It is said that the accredited certificate system will be abolished from December 10 due to the revision of the Electronic Signature Act. In the meantime, there is no need to install programs or executable files such as ActiveX that have been downloaded to obtain an electronic signature.
Let’s take a look at what kinds of certificates can be used after revocation of public certificates, types of certificates, and where they are used.
Revocation of accredited certificate
The accredited certificate was developed in 1999 so that a government-recognized institution issues a certificate containing the owner’s information and verifies the identity of the resident registration card or signature over the Internet.
However, it has been pointed out that it is inconvenient to use the public certificate, such as storing and renewing it, and that it is difficult to use in various devices.
In May, the bill to amend the entire digital signature with the aim of abolishing the accredited certification institution, accredited certificate and accredited digital signature system was passed at the National Assembly plenary session, and accredited certificates were abolished.
How about an existing accredited certificate?
The abolition of the accredited certification system does not mean that existing accredited certificates will become useless. It is said that only the armband called ‘Gonggwon’ is removed. It can still be used as one of various electronic signature methods. If there is a previously received public certificate, it can be used until the expiration date, and after the expiration of the validity period, a joint certificate (tentative name) can be used as one of the general electronic signatures according to the user organization and user choice.
New Electronic Signature Act
After the abolition of the accredited certificate, the selection procedure of the institution that evaluates digital signature operators and the method of performing the work of the accreditation institution were determined.
The new Electronic Signature Act expands the number of ways to sign up for electronic signatures, such as verifying identity with a resident registration number, account number, or mobile phone number. The current accredited certificate is upgraded to a ‘financial certificate’.
From now on, you do not need to download programs or executable files such as Active X (X) to obtain a digital signature.
Identity verification, which used to be done face-to-face when visiting a bank, etc., is now possible with a non-face-to-face method using a PC or mobile phone.
Instead of a complex password of more than 10 digits, biometric information or a simple password (PIN) can be used to authenticate subscribers.
The Ministry of Public Administration and Security has selected five operators, including three mobile communication companies (Pass), Kakao, Korea Information Certification, NHN Payco, and KB Kookmin Bank, as pilot operators for the expansion of digital signatures in the public sector. In addition, a total of nine companies including Naver, Toss, Industrial Bank of Korea, and Nonghyup applied to participate in the pilot project, but they were rejected.
PASS certificate
It is said that the cumulative issuance of PASS certificates provided by the three mobile communication companies and the security company Aton recently exceeded 20 million.
The pass certificate can be authenticated by a 6-digit PIN number or fingerprint recognition regardless of PC or mobile. PASS certificate is usually installed by default when opening a smartphone, and since the mobile operator has the status of an identity verification agency, it is said that the real name is verified based on the resident registration number. It verifies the USIM in real time to filter out phone numbers reporting loss or cancellation, and by applying a white box encryption solution, the private key is stored in the SE of the smartphone to fundamentally block hacking. Major insurance companies such as Tongyang Life Insurance and KB Insurance said that the PASS certificate is applied to the simple inquiry of insurance subscription documents, and Mirae Asset Daewoo introduced the PASS certificate to simplify the electronic voting system for the first time among securities companies.
KB Mobile Certificate
KB Mobile Certificate was developed by KB Kookmin Bank with its own technology. It was launched in 2019 and currently has over 5 million customers.
Instead of a complicated password, you can log in by selecting a pattern, fingerprint, or Face ID (for iPhone users), and you can make a transaction by entering only a 6-digit simple password without a security card or OTP during financial transactions. By applying security technology not only to software but also to hardware, the certificate is stored in an independent secure area to increase stability and reliability.
Kakao Pay Certificate
The Kakao Pay certification, launched in 2017, has more than 14 million subscribers and more than 200 users such as the National Pension Service, Military Manpower Administration, Kookmin Bank, Kookmin Card, BC Card, etc., making it the largest private certification in Korea. It is said.
It is said that Kakao Pay authentication, which is designed based on the same public key (PKI) as the public certificate, prevents forgery and falsification by incorporating blockchain technology. Users do not need to install any additional programs, and can use the six-digit simple password or biometric information such as fingerprint and face recognition when they need to authenticate easily through KakaoTalk or log in to affiliate services.
NHN Payco Certificate
NHN Payco also launched a certificate service in September.
If you issue a certificate once through the Payco app, you will receive a push notification from Payco when an external organization requests for identity authentication and electronic signature, and you enter a pattern or fingerprint here. It is said that the characteristics of PAYCO Certificates are that it secures data transparency by storing it in the cloud block chain, and strengthens safety through the establishment of a certification system and PAYCO certification center in line with international technical standards. Payco plans to apply the authentication service to NHN group companies first and expand it to external institutions such as financial companies.