• Journal of the Korea Institute of Information Security & Cryptology
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• v.28 no.3
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• pp.579-590
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• 2018

In May 2014, AppCard(Which is a smartphone application designed to register and use a credit card in a mobile phone by credit card company.) was attacked by smshing and a vulnerability which could not obtainable phone number. After that, credit card companies have supplemented and operated by introducing additional authentication methods to supplement the vulnerability. However, The analysis of the authentication environments, purposes and methods is not enough to lower the level of vulnerability and risk from existing accidents. This study analyzes the authentication process of the AppCard in the electronic financial service by applying the NIST's authentication guidelines, identifies the problems and suggests improvement directions. The method analyzed in this study can be applied to the analysis of the authentication method in addition to the application card, so that it will be highly utilized.