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E-Payment Payment (PG) companies such as Naver Financial, which participate in the My Data business that will be implemented from August, send prepaid issuance information, transaction details, and order details within a category to 12 items such as home appliances/electronics, books and stationery. If requested, it will be available.
On the 22nd, the Financial Services Commission prepared guidelines with the Korea Credit Information Service and Financial Security Services so that My Data providers and financial companies can prepare for My Data implementation smoothly.
My Data is a business that can recommend and develop customized financial products and services based on personal credit information scattered in existing financial companies, government offices, and hospitals.
The My Data Guideline published this time contains specific details such as the scope of information provision, operational procedures, legal obligations, and precautions.
According to the guidelines, information on financial products that have been canceled within the range of personal credit information that a customer can request for transmission is excluded, but’basic information’ based on once a week transmission and’additional information’ based on once a day transmission. Classified as’. In addition, when requesting periodic transmissions more frequently than this, additional costs are expected to be incurred, so it was decided to reflect them in future billing system discussions.
Electronic financial companies such as Naver Financial provided information on prepaid issuance such as balances and rechargeable accounts, transaction details such as date and time and amount, and order details in 12 categories. The twelve categories are classified into household appliances/electronics, books/stationery, fashion/clothing, sports, cosmetics, children/infants, food, life/furniture, travel/transportation, culture/leisure, food, e-coupons/etc. It was decided to provide in accordance with the principle of clarity of purpose and purpose. Telecom providers provide billing, payment and payment information, as well as confirmation of payment of taxes and four major insurances.
Banks, savings banks, comprehensive finance, Saemaul Geumgo, and other financial companies and financial investment industries pay deposits and savings, interest rates, maturity, etc., loan balances, interest rates, maturity, investment products deposits and purchases. It provides information such as stock, transaction unit price and quantity, and evaluation amount.
Insurance companies provide details of contracts and special agreements, payment details, co-pays, and loan balances, repayment details, etc. for the products subscribed to by the customer, and card companies provide monthly usage information such as amount, date and time, total amount due, and card loans, points, etc. Decided to provide.
It was decided to allow free consent, rejection, and withdrawal to protect consumer rights. When canceling the service, it was easy to do and the credit information stored on the platform was also completely deleted.
In order to prevent excessive competition, the ban on recruitment under conditions of providing excessive economic benefits, the status of existing subscriptions, and specialized services for each business operator are also provided.
The transmission procedure allows the information subject to specifically select and request the information providing agency, receiver, and target information, and to exercise the right to request transmission through a safe and reliable authentication.
The Financial Services Commission will also operate the My Data Support Center and manage the entire My Data ecosystem. It plans to support prompt resolution by receiving customer complaints and opinions on disputes through the My Data Portal website and TF. The Financial Services Commission plans to support further discussions on expanding the scope of my data information provision and standardization in the TF to strengthen the protection of my data consumers’ rights to be organized and operated from next month. A system development and verification test bed for safe information movement rights will also be operated from March.
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