Account Ownership Verification API
Confirms that the customer actually holds the account by depositing 1 KRW and using the bank statement remark (deposit description) as the verification code.
Two methods are available:
- Account ownership verification (single call): After depositing with a pre-configured remark, the customer confirms and enters the displayed code. Used in an integrated process flow.
- Account ownership verification (2-step): In the [request] step, the deposit is executed; in the [confirmation] step, the verification code is validated.
To prevent fraud, a maximum of 5 verification attempts per account number per day is enforced.
Account Ownership Verification (Single Call)
Sends a micro-deposit to the account and confirms ownership.
API Information
POST/v1/api/auth/acnt/ownership
Content-Type
application/json; charset=UTF-8테스트
https://tbnpay.settlebank.co.kr/v1/api/auth/acnt/ownership운영
https://npay.settlebank.co.kr/v1/api/auth/acnt/ownershipRequest Parameters
타입 표기법
N숫자A영문H한글AN영문+숫자AHN영문+한글+숫자예: AN(10) = 영문+숫자, 최대 10byte
└hdInfoAN(50)Alphanumeric, up to 50 bytes*Message type code. Fixed value.
Message type code. Fixed value.
*Fixed value
└mchtIdAN(8)Alphanumeric, up to 8 bytes*Merchant ID.
Merchant ID.
└mchtTrdNoAN(100)Alphanumeric, up to 100 bytesMerchant order number (no Korean characters).
Merchant order number (no Korean characters).
└mchtCustIdAN(100)Alphanumeric, up to 100 bytes*
AES-256AES-256/ECB/PKCS5Padding + Base64 (Standard)Customer ID. AES-256 encrypted.Customer ID. AES-256 encrypted.
└reqDtAN(8)Alphanumeric, up to 8 bytes*Request date (yyyyMMdd).
Request date (yyyyMMdd).
└reqTmAN(6)Alphanumeric, up to 6 bytes*Request time (HH24MISS).
Request time (HH24MISS).
└bankCdAN(3)Alphanumeric, up to 3 bytes*Bank code.
Bank code.
└custAcntNoAN(15)Alphanumeric, up to 15 bytes*
AES-256AES-256/ECB/PKCS5Padding + Base64 (Standard)Account number (no hyphens). AES-256 encrypted.Account number (no hyphens). AES-256 encrypted.
└custAcntSumryAN(12)Alphanumeric, up to 12 bytes*
AES-256AES-256/ECB/PKCS5Padding + Base64 (Standard)Bank statement remark (Korean: 2 bytes per character). AES-256 encrypted.Bank statement remark (Korean: 2 bytes per character). AES-256 encrypted.
└custIpAN(15)Alphanumeric, up to 15 bytesCustomer IP address.
Customer IP address.
└pktHashAN(200)Alphanumeric, up to 200 bytes*
SHA-256SHA-256 HMAC signature.(실시간 생성)SHA-256 HMAC signature.
NOTE
Signature Composition
mchtId + mchtCustId + reqDt + reqTm + custAcntNo + hashKey
Response Parameters
└outStatCdAN(4)Alphanumeric, up to 4 bytes*Transaction status code.
0021Transaction status code.
0021: Success 0031: Failure└outRsltCdAN(4)Alphanumeric, up to 4 bytes*Decline code.
0000Decline code.
└outRsltMsgAN(100)Alphanumeric, up to 100 bytes*Result message.
Processed successfully.Result message.
└mchtTrdNoAN(100)Alphanumeric, up to 100 bytesMerchant order number.
OID201902210001Merchant order number.
└trdNoAN(40)Alphanumeric, up to 40 bytes*Transaction reference number.
STFP_FIRM12345678901234567890Transaction reference number.
Need technical support?
Code Samples
HectoFinancial GitHub