{"id":11858,"date":"2025-01-29T05:00:00","date_gmt":"2025-01-28T20:00:00","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=11858"},"modified":"2025-02-05T10:02:09","modified_gmt":"2025-02-05T01:02:09","slug":"%eb%89%b4%ec%9a%95%ec%a3%bc-%eb%b3%b4%ec%95%88%ea%b7%9c%ec%a0%95-%ec%9c%84%eb%b0%98%ec%9c%bc%eb%a1%9c-%ed%8e%98%ec%9d%b4%ed%8c%94%ec%97%90-200%eb%a7%8c%eb%8b%ac%eb%9f%ac-%eb%b2%8c%ea%b8%88","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=11858","title":{"rendered":"\ub274\uc695\uc8fc, \ubcf4\uc548\uaddc\uc815 \uc704\ubc18\uc73c\ub85c \ud398\uc774\ud314\uc5d0 200\ub9cc\ub2ec\ub7ec \ubc8c\uae08"},"content":{"rendered":"<h3>| \ub274\uc695\uc8fc, \ud398\uc774\ud314\uc5d0 \uace0\uac1d \ubbfc\uac10 \uc815\ubcf4 \ub178\ucd9c\ub85c 28\uc5b5\uc6d0\uc758 \ubc8c\uae08 \ubd80\uacfc<br \/>\n| \ub370\uc774\ud130 \uc804\uc1a1 \ubc29\uc2dd \ubcc0\uacbd \uc791\uc5c5 \uc2dc \ubcf4\uc548 \uc808\ucc28 \ubbf8 \uc900\uc218\ub85c \uace0\uac1d \uc815\ubcf4 \ub178\ucd9c<\/h3>\n<p><strong>&lt;\uac1c\uc694&gt;<\/strong><br \/>\n\ub274\uc695\uc8fc \uae08\uc735\uc11c\ube44\uc2a4\uad6d(Department of Financial Services)\uc740 \uae00\ub85c\ubc8c \uc804\uc790\uc0c1\uac70\ub798 \uacb0\uc81c \ud50c\ub7ab\ud3fc \ud398\uc774\ud314(PayPal)\uc758 \uc0ac\uc774\ubc84 \ubcf4\uc548 \uc2e4\ud328\ub85c \uace0\uac1d\uc758 \ubbfc\uac10\ud55c \uc815\ubcf4\uac00 \ub178\ucd9c\ub41c \uc0ac\uac74\uc5d0 \ub300\ud574 \uc57d 28\uc5b5\uc6d0(200\ub9cc\ub2ec\ub7ec)\uc758 <a href=\"https:\/\/www.dfs.ny.gov\/system\/files\/documents\/2025\/01\/ea20250123-paypal-inc.pdf\">\ubc8c\uae08<\/a>\uc744 \ubd80\uacfc\ud588\uc74c. \uc774\ubc88 \uc0ac\uac74\uc740 \ud398\uc774\ud314\uc774 \ub274\uc695\uc8fc\uc758 <a href=\"https:\/\/www.dfs.ny.gov\/industry_guidance\/regulatory_activity\/financial_services#final-adoptions\">\uc0ac\uc774\ubc84 \ubcf4\uc548 \uaddc\uc815<\/a>\uc744 \uc704\ubc18\ud55c \ub370 \ub530\ub978 \uac83\uc774\uba70, \uc774\ud6c4 \ud398\uc774\ud314\uc740 \ubcf4\uc548 \uac15\ud654\ub97c \uc704\ud55c \uc870\uce58\ub97c \ucde8\ud588\uc74c.<\/p>\n<p><strong>&lt;<\/strong><strong>\uc138\ubd80\ub0b4\uc5ed&gt;<\/strong><br \/>\n\ub274\uc695\uc8fc \uae08\uc735\uc11c\ube44\uc2a4\uad6d\uc758 \uc5d0\uc774\ub4dc\ub9ac\uc5b8 A. \ud574\ub9ac\uc2a4 \uac10\ub3c5\uad00\uc740 \ud398\uc774\ud314\uc774 \ub274\uc695\uc8fc\uc758 \uc0ac\uc774\ubc84 \ubcf4\uc548 \uaddc\uc815\uc744 \uc704\ubc18\ud558\uc5ec \uace0\uac1d \ub370\uc774\ud130\ub97c \ub178\ucd9c\uc2dc\ud0a8 \ud610\uc758\ub85c \uc57d 28\uc5b5\uc6d0(200\ub9cc\ub2ec\ub7ec)\uc758 \ubc8c\uae08\uc744 \ubd80\uacfc\ud588\ub2e4\uace0 \uc9c0\ub09c 23\uc77c(\ud604\uc9c0 \uc2dc\uac01) <a href=\"https:\/\/www.dfs.ny.gov\/reports_and_publications\/press_releases\/pr20250123\">\ubc1c\ud45c<\/a>\ud588\uc74c.<\/p>\n<p>\uc774\ubc88 \uc0ac\uac74\uc740 2022\ub144 12\uc6d4, \ud398\uc774\ud314\uc774 \ubbf8\uad6d \uad6d\uc138\uccad(IRS)\uc5d0\uc11c \uc0ac\uc6a9\ud558\ub294 \uc591\uc2dd 1099-K\ub97c \ub354 \ub9ce\uc740 \uace0\uac1d\uc5d0\uac8c \uc81c\uacf5\ud558\ub824\uace0 \ub370\uc774\ud130 \uc804\uc1a1 \ubc29\uc2dd\uc744 \ubcc0\uacbd\ud558\ub294 \uacfc\uc815\uc5d0\uc11c \ubc1c\uc0dd\ud588\uc74c. \uc591\uc2dd 1099-K\ub294 \uace0\uac1d\uc774 \uacb0\uc81c \uc11c\ube44\uc2a4\ub97c \ud1b5\ud574 \uc77c\uc815 \uae08\uc561 \uc774\uc0c1 \uac70\ub798\ud588\uc744 \ub54c \uc774\ub97c \ubcf4\uace0\ud558\uae30 \uc704\ud574 \uc0ac\uc6a9\ud558\ub294 \uc138\uae08 \uad00\ub828 \ubb38\uc11c\uc784. \uadf8\ub7ec\ub098 \ub370\uc774\ud130 \uc804\uc1a1 \ubc29\uc2dd\uc744 \ubcc0\uacbd\ud558\ub294 \uc791\uc5c5\uc744 \ub2f4\ub2f9\ud55c \ud300\uc758 \ubd80\uc8fc\uc758\ub85c \uace0\uac1d\uc758 \uc774\ub984\uacfc \uc0ac\ud68c\ubcf4\uc7a5\ubc88\ud638 \ub4f1 \ubbfc\uac10\ud55c \ub370\uc774\ud130\uac00 \ub178\ucd9c\ub410\uc74c.<\/p>\n<p>\uc774\ud6c4 \uc0ac\uc774\ubc84 \ubc94\uc8c4\uc790\ub4e4\uc740 \uc720\ucd9c\ub41c \uc0ac\uc6a9\uc790 \uc774\ub984\uacfc \ube44\ubc00\ubc88\ud638\ub97c \ud65c\uc6a9\ud574 &#8216;\uc790\uaca9 \uc99d\uba85 \ucc44\uc6b0\uae30(Credential Stuffing)&#8217;\ub77c\ub294 \uae30\ubc95\uc744 \ud1b5\ud574 \uace0\uac1d \uacc4\uc815\uc5d0 \uc811\uadfc\ud588\uc74c. \uc774\ub294 \uc790\ub3d9\ud654\ub41c \uc2a4\ud06c\ub9bd\ud2b8\ub85c \ub3d9\uc77c\ud55c \uc790\uaca9 \uc99d\uba85\uc744 \ubc18\ubcf5\uc801\uc73c\ub85c \uc785\ub825\ud558\uc5ec \ub2e4\ub978 \uc6f9\uc0ac\uc774\ud2b8\uc5d0 \uc811\uadfc \uad8c\ud55c\uc744 \uc5bb\uc73c\ub824\ub294 \uacf5\uaca9 \ubc29\uc2dd\uc73c\ub85c, \ud398\uc774\ud314\uc774 \ub2e4\uc911 \uc694\uc18c \uc778\uc99d(Multi-Factor Authentication, MFA)\uc774\ub098 \ucea1\ucc60(Completely Automated Public Turing test to tell Computers and Humans Apart, CAPTCHA)\uc640 \uac19\uc740 \ucd94\uac00 \ubcf4\uc548 \uc870\uce58\ub97c \uc801\uc6a9\ud558\uc9c0 \uc54a\uc740 \uc810\uc774 \uc774\ub7ec\ud55c \uacf5\uaca9\uc744 \uac00\ub2a5\ud558\uac8c \ud588\uc74c.<\/p>\n<p>\ub2e4\uc911 \uc694\uc18c \uc778\uc99d\uc740 \uc0ac\uc6a9\uc790 \uacc4\uc815 \ubcf4\ud638\ub97c \uc704\ud574 \ub450 \uac00\uc9c0 \uc774\uc0c1\uc758 \uc778\uc99d \ub2e8\uacc4\ub97c \uc694\uad6c\ud558\ub294 \ubcf4\uc548 \ubc29\uc2dd\uc784. \uc77c\ubc18\uc801\uc73c\ub85c \ube44\ubc00\ubc88\ud638 \uc678\uc5d0\ub3c4 SMS\ub85c \uc804\uc1a1\ub41c \uc778\uc99d \ucf54\ub4dc, \uc0dd\uccb4 \uc778\uc2dd(\uc9c0\ubb38, \uc548\uba74 \uc778\uc2dd), \ub610\ub294 \uc778\uc99d \uc571\uc744 \ud1b5\ud574 \uc81c\uacf5\ub41c \uc77c\ud68c\uc6a9 \ube44\ubc00\ubc88\ud638(OTP) \ub4f1\uc744 \ucd94\uac00\ub85c \uc785\ub825\ud574\uc57c \ud568. \uc774\ub294 \ub2e8\uc21c \ube44\ubc00\ubc88\ud638 \uc720\ucd9c\ub85c \uc778\ud55c \ubcf4\uc548 \uc704\ud5d8\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \uc904\uc5ec\uc90c. \ucea1\ucc60\ub294 \ucef4\ud4e8\ud130\uc640 \uc778\uac04\uc744 \uad6c\ubcc4\ud558\uae30 \uc704\ud574 \uc0ac\uc6a9\ub418\ub294 \ubcf4\uc548 \uae30\ubc95\uc73c\ub85c, \uc0ac\uc6a9\uc790\uac00 \ub85c\ubd07\uc774 \uc544\ub2cc \uc2e4\uc81c \uc0ac\ub78c\uc784\uc744 \ud655\uc778\ud558\ub294 \ub2e8\uacc4\uc784. \uc77c\ubc18\uc801\uc73c\ub85c \uc65c\uace1\ub41c \ubb38\uc790\ub098 \uc774\ubbf8\uc9c0\ub97c \ubcf4\uace0 \uc785\ub825\ud558\uac70\ub098, \ud2b9\uc815 \uc774\ubbf8\uc9c0\ub97c \uc120\ud0dd\ud558\ub294 \ubc29\uc2dd\uc73c\ub85c \uad6c\ud604\ub428. \uc774\ub294 \ubd07(Bot)\uc5d0 \uc758\ud55c \ubb34\ucc28\ubcc4 \ub300\uc785 \uacf5\uaca9\uc744 \ubc29\uc9c0\ud558\ub294 \ub370 \ud6a8\uacfc\uc801\uc784.<\/p>\n<p>\ud398\uc774\ud314\uc758 \uc0ac\uc774\ubc84 \ubcf4\uc548 \ubd84\uc11d\uac00\ub294 2022\ub144 12\uc6d4 6\uc77c, \uc628\ub77c\uc778\uc5d0\uc11c \ud398\uc774\ud314\uc758 \uc0ac\ud68c\ubcf4\uc7a5\ubc88\ud638(SSN) \ub370\uc774\ud130\uac00 \uc545\uc6a9\ub418\uace0 \uc788\ub2e4\ub294 \uba54\uc2dc\uc9c0\ub97c \ubc1c\uacac\ud558\uba70 \ubb38\uc81c\ub97c \uc778\uc9c0\ud588\uc74c. \uac19\uc740 \uc2dc\uc810\uc5d0 \uc628\ub77c\uc778 \ud50c\ub7ab\ud3fc\uc5d0 \ub300\ud55c \ube44\uc815\uc0c1\uc801\uc778 \uc811\uadfc \uc2dc\ub3c4\uac00 \uae09\uc99d\ud588\uace0, \uc0ac\uc774\ubc84 \ubc94\uc8c4\uc790\ub4e4\uc774 \uace0\uac1d \ub370\uc774\ud130\ub97c \ub3c4\uc6a9\ud558\ub824 \ud588\ub2e4\ub294 \uc0ac\uc2e4\uc774 \ubc1d\ud600\uc84c\uc74c. \uc774 \uc0ac\uac74\uc73c\ub85c \uc57d 7\uc8fc \ub3d9\uc548 \uace0\uac1d \uc774\ub984, \uc0dd\ub144\uc6d4\uc77c, \uc0ac\ud68c\ubcf4\uc7a5\ubc88\ud638(SSN)\uc640 \uac19\uc740 \ubbfc\uac10\ud55c \uc815\ubcf4\uac00 \ub178\ucd9c\ub41c \uc0c1\ud0dc\uc600\uc74c.<\/p>\n<p>\ub274\uc695\uc8fc \uae08\uc735\uc11c\ube44\uc2a4\uad6d\uc758 \uc870\uc0ac \uacb0\uacfc, \ud398\uc774\ud314\uc740 \uace0\uac1d \ub370\uc774\ud130\ub97c \ubcf4\ud638\ud558\uae30 \uc704\ud574 \uc801\uc808\ud55c \ubcf4\uc548 \uc778\ub825\uc744 \ubc30\uce58\ud558\uc9c0 \uc54a\uc558\uace0, \uc9c1\uc6d0\ub4e4\uc5d0\uac8c \uc0ac\uc774\ubc84 \ubcf4\uc548 \uc704\ud5d8\uc744 \ub2e4\ub8e8\uae30 \uc704\ud55c \ucda9\ubd84\ud55c \uad50\uc721\uc744 \uc81c\uacf5\ud558\uc9c0 \uc54a\uc740 \uac83\uc774 \ud655\uc778\ub410\uc74c. \ud574\ub9ac\uc2a4 \uac10\ub3c5\uad00\uc740 &#8220;\uc790\uaca9\uc744 \uac16\ucd98 \uc0ac\uc774\ubc84 \ubcf4\uc548 \uc778\ub825\uacfc \uc801\uc808\ud55c \uad50\uc721 \ubc0f \ubcf4\uc548 \uc808\ucc28\ub294 \ubbfc\uac10\ud55c \ub370\uc774\ud130\ub97c \ubcf4\ud638\ud558\ub294 \ub370 \ud575\uc2ec\uc801\uc778 \uc5ed\ud560\uc744 \ud55c\ub2e4&#8221;\uace0 \ud588\uc74c.<\/p>\n<p>\ud398\uc774\ud314\uc740 \uc0ac\uac74 \uc774\ud6c4 \uace0\uac1d \ub370\uc774\ud130\ub97c \ubcf4\ud638\ud558\uae30 \uc704\ud574 \uc601\ud5a5\uc744 \ubc1b\uc740 \uacc4\uc815\uc758 \ube44\ubc00\ubc88\ud638\ub97c \uac15\uc81c\ub85c \uc7ac\uc124\uc815\ud558\uace0, \ubaa8\ub4e0 \ubbf8\uad6d \uace0\uac1d \uacc4\uc815\uc5d0 \ub2e4\uc911 \uc694\uc18c \uc778\uc99d\uc744 \uc694\uad6c\ud588\uc73c\uba70, \ucea1\ucc60\ub97c \ub3c4\uc785\ud574 \ubb34\ub2e8 \uc811\uadfc\uc744 \ubc29\uc9c0\ud558\ub294 \ub4f1\uc758 \uc870\uce58\ub97c \ucde8\ud588\uc74c. \uadf8\ub7ec\ub098 \uc774\ubc88 \uc0ac\uac74\uc740 \ub274\uc695\uc8fc\uac00 2017\ub144\ubd80\ud130 \uc2dc\ud589\ud55c \uc0ac\uc774\ubc84 \ubcf4\uc548 \uaddc\uc815 \ubc0f 2023\ub144\uc5d0 \uac1c\uc815\ub41c \uaddc\uc815\uc744 \uc704\ubc18\ud55c \uc0ac\ub840\ub85c \uac04\uc8fc\ub418\uc5c8\uc74c.<\/p>\n<p><strong>&lt;\uc2dc\uc0ac\uc810&gt;<\/strong><br \/>\n\uc774\ubc88 \uc0ac\uac74\uc740 \uae08\uc735 \uae30\uc220 \uae30\uc5c5\uc774 \uc0ac\uc774\ubc84 \ubcf4\uc548 \uad00\ub9ac\uc640 \uaddc\uc815 \uc900\uc218\uc5d0 \uc2e4\ud328\ud560 \uacbd\uc6b0 \ubc1c\uc0dd\ud560 \uc218 \uc788\ub294 \uc2ec\uac01\ud55c \uacb0\uacfc\ub97c \ubcf4\uc5ec\uc92c\uc74c. \ud398\uc774\ud314\uacfc \uac19\uc740 \uae00\ub85c\ubc8c \uae30\uc5c5\uc870\ucc28 \uc801\uc808\ud55c \uc778\ub825 \ubc30\uce58\uc640 \uad50\uc721 \ubd80\uc871\uc73c\ub85c \uace0\uac1d \ub370\uc774\ud130\ub97c \ubcf4\ud638\ud558\uc9c0 \ubabb\ud574 \uae08\uc804\uc801, \ud3c9\ud310\uc801 \uc190\uc2e4\uc744 \uc785\uc744 \uc218 \uc788\uc74c\uc744 \uc2dc\uc0ac\ud568.<\/p>\n<p>(1\ub2ec\ub7ec=1437\uc6d0)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>| \ub274\uc695\uc8fc, \ud398\uc774\ud314\uc5d0 \uace0\uac1d \ubbfc\uac10 \uc815\ubcf4 \ub178\ucd9c\ub85c 28\uc5b5\uc6d0\uc758 \ubc8c\uae08 \ubd80\uacfc | \ub370\uc774\ud130 \uc804\uc1a1 \ubc29\uc2dd \ubcc0\uacbd \uc791\uc5c5 \uc2dc \ubcf4\uc548 \uc808\ucc28 \ubbf8 \uc900\uc218\ub85c \uace0\uac1d \uc815\ubcf4 \ub178\ucd9c &lt;\uac1c\uc694&gt; \ub274\uc695\uc8fc \uae08\uc735\uc11c\ube44\uc2a4\uad6d(Department of Financial Services)\uc740 \uae00\ub85c\ubc8c \uc804\uc790\uc0c1\uac70\ub798 \uacb0\uc81c \ud50c\ub7ab\ud3fc \ud398\uc774\ud314(PayPal)\uc758 \uc0ac\uc774\ubc84 \ubcf4\uc548 \uc2e4\ud328\ub85c \uace0\uac1d\uc758 \ubbfc\uac10\ud55c \uc815\ubcf4\uac00 \ub178\ucd9c\ub41c \uc0ac\uac74\uc5d0 \ub300\ud574 \uc57d 28\uc5b5\uc6d0(200\ub9cc\ub2ec\ub7ec)\uc758 \ubc8c\uae08\uc744 \ubd80\uacfc\ud588\uc74c. \uc774\ubc88 \uc0ac\uac74\uc740 \ud398\uc774\ud314\uc774 \ub274\uc695\uc8fc\uc758 \uc0ac\uc774\ubc84 \ubcf4\uc548 \uaddc\uc815\uc744 [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":11861,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[607,612,8],"tags":[2075,2073,658,2074],"class_list":{"0":"post-11858","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ai-coin","8":"category-usa","9":"category-compliance","10":"tag-2075","11":"tag-2073","12":"tag-658","13":"tag-2074"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\ub274\uc695\uc8fc, \ubcf4\uc548\uaddc\uc815 \uc704\ubc18\uc73c\ub85c \ud398\uc774\ud314\uc5d0 200\ub9cc\ub2ec\ub7ec \ubc8c\uae08 SanctionLab<\/title>\n<meta name=\"description\" content=\"\ub274\uc695\uc8fc \uae08\uc735\uc11c\ube44\uc2a4\uad6d(Department of Financial Services)\uc740 \uae00\ub85c\ubc8c \uc804\uc790\uc0c1\uac70\ub798 \uacb0\uc81c \ud50c\ub7ab\ud3fc \ud398\uc774\ud314(PayPal)\uc758 \uc0ac\uc774\ubc84 \ubcf4\uc548 \uc2e4\ud328\ub85c \uace0\uac1d\uc758 \ubbfc\uac10\ud55c \uc815\ubcf4\uac00 \ub178\ucd9c\ub41c \uc0ac\uac74\uc5d0 \ub300\ud574 \uc57d 28\uc5b5\uc6d0(200\ub9cc\ub2ec\ub7ec)\uc758 \ubc8c\uae08\uc744 \ubd80\uacfc\ud588\uc74c.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sanctionlab.com\/?p=11858\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\ub274\uc695\uc8fc, \ubcf4\uc548\uaddc\uc815 \uc704\ubc18\uc73c\ub85c \ud398\uc774\ud314\uc5d0 200\ub9cc\ub2ec\ub7ec \ubc8c\uae08 SanctionLab\" \/>\n<meta property=\"og:description\" content=\"\ub274\uc695\uc8fc \uae08\uc735\uc11c\ube44\uc2a4\uad6d(Department of Financial Services)\uc740 \uae00\ub85c\ubc8c \uc804\uc790\uc0c1\uac70\ub798 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