Processing user(regular member) register of service provider

User Register

Getting information of a member registered in the service

Search for Member Information

Resetting the member's password

The API is used when a member has forgotten the password or needs to reset by entering a new password.

-In case of password reset request 
 -Change to a new password without requesting an old password
-In case of password change request 
 -After requesting for an old password, check whether it is correct, and if the password is correct, change it to a new password.

Member Password Reset and Change

Changing the member information

The following items are changeable.

-CI (in case of change in birth of date and gender)
-Birth of date
-Nationality
-Name
-Mobile phone number
-Address

Member Information Change

Cancelling membership

In case of the following cases, a member is unable to cancel the membership.

-If there is a refundable coupon
-Among the coupons a member gave, a coupon has not been received by the other party 
-If there is a point (+, -)
-If there is a PLCC point
-If there is an amount to be refunded
-If there is a balance on the card (active card)
-If there is a card suspended
-If the gift a member sent is not received by the other party

Membership Cancellation

Checking member’s log in ID
Used when a member has forgotten the log in ID
Requesting for CI value and receive member’s log in ID

Checking Log in ID check

Activating dormant member information
The conditions for inactivation to a dormant member are as below.

- If there is no connection record for 1 year after the last connection
- If there is no card usage for 1 year


Activation of Dormant Member

Getting Terms and Conditions list

- In case of a request with only `X-KM-AspId` information: Searching the list of all terms and conditions belonging to the ASP_ID
- In the case of a request that includes `userId` information: Searching a list of all terms and conditions belonging to the ASP ID, 
including agreement status of the member for each terms and conditions

Search for Terms and Conditions List

Processing agreement or withdrawal of agreement in Terms and Conditions

If the agreement to the Terms and Conditions is "true":
- The list of Terms and Conditions sent for a request is agreed.

If the agreement to the Terms and Conditions is "false":
- The list of Terms and Conditions sent for a request is not agreed.


Terms and Conditions Agreement/Withdrawal

User Information Management

It is an API for querying the list of banks and securities firms where accounts can be linked.

Financial Institution List Inquiry

Checking whether the member's name and the account holder's name entered are the same. 

* Account register
A member should register a withdrawal account in order to charge the card.
The following two steps are needed.
1. Verification of the real name of the account holder
2. ARS authentication
The account will be registered and the prepaid card will be charged from your account.

Real Name Verification for Account holder

An authentication code for ARS authentication is generated for account registration
An authentication code for the ARS authentication is generated as the second step of account registration
In the ARS authentication process, the user hears the authentication code through ARS and enters the code into the app.
In this process, the user can input the authentication code more accurately on the app by sending the code via voice message and showing it on the screen.

Authentication code generation before ARS authentication.

A member's account is registered via PG
An account will be registered or an account already registered will be changed to a new account.

ARS authentication
It is verified that a member correctly enters the authentication code displayed on a mobile screen according to the guidance of ARS. ARS authentication voice files are recorded and used as data for consent to withdrawal and transfer

Account registration
A member must register a withdrawal account to charge the card.

To do this, the following two steps are needed.

1. Verification of the real name of the account holder
2. ARS authentication

The account will be registered and the prepaid card will be charged from your account

PG receives the ARS authentication code from the member, verifies the authentication code (ARS authentication), delivers the response code to the core system, and requests account registration information from the PG.
If the ARS authentication is valid, after answering ("000"), ARS certification call will be made to the member’s phone number and the withdrawal transfer account will be registered. (Asynchronous)

Bank account registration via PG

Checking the account registration status
After ARS authentication, the registration status of the registered account can be searched.


Search for Account Registration Status

After verifying the member's real-name authentication and connected bank account information, we process the card's real-name registration and credit limit increase.

"Real-name registration"?
It refers to the act of identifying the user of a prepaid electronic payment means, which is originally issued anonymously, through methods defined by law, such as 'real-name authentication' or 'connecting with a bank account.'
For cards that are not real-name registered, the maximum balance limit is set at 500,000 KRW. Once real-name registration is completed, the balance limit can be increased up to 2,000,000 KRW. The balance limit after real-name registration is policy-driven and can be set within 2,000,000 KRW.

Balance Limit Increase(Individual card)

User Account Management

Requesting the issuance of a disposable Token to process payment/charge with a mobile card and an actual card number.

The valid time of the issued Token is 30 seconds, and the payment/charge must be completed within 30 seconds.

Issuance of Disposable Token

Charging the balance of the prepaid card using the account registered by a member.

(Charging) A one-time token for transaction data should be issued.

Charge

Used to cancel a charging transaction from the member's account.
The canceled amount will be deducted from the card balance and transferred to the member's registered account on the next day of the cancellation request.

Cancellation of Charge

Checking the result of charging and cancellation of charge to the balance of the prepaid card from the account registered as a member

Checking Result of Charge & Cancellation of Charge

Checking transaction history of the card secured by a member

Checking Transaction History

Recharge

If a member wants to select, issue and receive a prepaid card, delivery is processed to the requested address.

Application for Issuance and Delivery of Prepaid Card

The card requested by the member will be cancelled.
Card application can be canceled on the same day that the card is applied (application date).
Card application cannot be canceled if the mobile card has been used.
When a card application is canceled, the issued mobile card is automatically discarded.

Cancellation of Card Application

If a member wants to reissue and receive the prepaid card selected, delivery is processed to the requested address.
Depending on the policy, a reissuance fee may be charged to the member upon request for reissuance.
Card reissuance is allowed in the following case.

- The card that the user has registered is lost (suspended)


Reissuance of Prepaid Card (Replacement Issuance)

Reissuing a prepaid card that are due to expire and processing delivery to the requested address
For certain card products, members may be charged a fee for reissuance.
Card reissuance is allowed in the following case.

- If the card the user has registered for expires within one month

Reissuance & Renewal of Prepaid Card to be Expired

Search for Card Delivery Status

(Member) Before registering a physical card, a member can search for mobile card information that can be linked to the card(pre-issued card).
A member can check the information of the mobile card that has been issued when he or she applies for a physical card or apply for reissuance.
The response "cardApplyNo" is used as an input value when registering a physical card.

What is an application for a prepaid card with a pre-issuance attribute?
(New) When a member applies for a prepaid card with a pre-issuance attribute:
When applying, a mobile card is issued first and then a physical card is delivered.

(Reissuance) If the card to be reissued is a prepaid card with a pre-issuance attribute:
When applying for reissuance, the mobile card is issued first, the balance is transferred to the newly issued mobile card, and then the physical card is delivered.
A mobile card is a mobile-only card that can be used without a physical card, and the user can link the mobile card to the physical card after receiving the physical card.


Search for Mobile Card Application Information Linkable to Physical Card

Registering a physical card in the member's app.
Applied to prepaid cards

The following scenarios occur in physical card registration.

① Registration of prepaid card with pre-issuance attribute:
A mobile card is issued first and the physical card is delivered and registered.
When the member registers a physical card, it is linked to the issued mobile card.
However, the physical card to be registered must not have transaction history, and if there is transaction history, case ② will be applied.

② Registration of a prepaid card that is not a pre-issuance attribute:
If it is not a prepaid card with a pre-issuance attribute, a mobile card is not issued at the time of application. When the prepaid card is registered, a mobile card is issued 
and it is registered by being linked to the physical card.

③ Registration of a physical card for the card applied for reissuance:
If a member applies for reissuance of a prepaid card with pre-issuance attributes, a mobile card is issued first when he or she applies for reissuance, the balance is transferred to the newly issued mobile card, and the physical card is delivered.
If the member registers the delivered physical card, it will be linked to the issued mobile card. 
If the prepaid card applied for reissuance is not a pre-issuance attributes, a mobile card is issued when registering the physical card, the balance is transferred from the old card to the newly issued mobile card, and the physical card is registered.

④Registration of the prepaid card on the mobile card to be linked to the debit card:
When registering a debit card, he physical card is linked to the mobile card issued.


Physical Card Registration

The list of cards held by a member and card information are provided as follows.

• Card product information 
• Balance information 
• Expiry date 
• Card status 
• Card number 
• Payment limits 
• Point 
• Linked accounts (for debit card)

Search for Card

Inquire a card that is not registered to a member. It can be inquired through the card number, expiration date, and CVC of the card.

Unregistered card inquiry

Modifying the state of the card to lost (suspension) or termination of being lost (suspension).

Modification of the Card’s State

Discarding the registered card that belongs to a member.

In case you discard the card, all the actual card linked to the mobile card will be discarded and will no longer be used.

You are not able to discard the card in the following cases:
- In case there is balance left
- In case there is a point left in the card
- The card in the process of remittance (there is the amount sent but the 2nd person did not accept it)
- In case of cancelling/refunding the charge (the amount has not been paid after applying for cancellation/refund)

Discarding a Card

After verifying the corporate information, we process the corporate real-name registration and credit limit increase for the card.

Real-name registration?
It refers to the act of identifying the user of a prepaid electronic payment means, originally issued anonymously, through methods defined by law, such as 'real-name authentication' or 'connecting with a bank account.'
For cards that are not real-name registered, the maximum balance limit is set at 500,000 KRW. Once real-name registration is completed, the balance limit can be increased up to 2,000,000 KRW. The balance limit after real-name registration is policy-driven and can be set within 2,000,000 KRW.

Balance Limit Increase(Coporate card)

It is an API for Checking Corporate Identity Verification Status of the Card.

Inquiry of Coporate Card Identification Status

Applying for income tax deduction on the card belongs to the member

Applying For Income Tax Deduction

It is an API for Checking the Tax Deduction Application Status of a Specific Card.