헥토파이낸셜 개발자센터

Phone Ownership Verification Request (S1) API

An API that sends an SMS verification code to the customer's phone.

Test Key Information

API Information

POST/spay/APIVBank.do
Content-Typeapplication/json
테스트https://tbgw.settlebank.co.kr/spay/APIVBank.do
운영https://gw.settlebank.co.kr/spay/APIVBank.do

Important Notes

NOTE

Phone Ownership Verification Process

The process proceeds in the following order: S1 (verification request) → customer checks SMS verification code → S2 (verification confirm) → A4 (issuance).
  • Phone ownership verification is handled automatically in the checkout (UI) method.
  • It must be called separately only in the API method.
  • The mchtTrdNo used in the verification request (S1) and issuance (A4) must be identical.

Request Parameters

타입 표기법
N숫자A영문H한글AN영문+숫자AHN영문+한글+숫자
예: AN(10) = 영문+숫자, 최대 10byte

params Object

└mchtIdAN(12)Alphanumeric, up to 12 bytes*
Unique merchant ID assigned by Hecto Financial
└verAN(4)Alphanumeric, up to 4 bytes*
Message version
└methodA(2)Alphabetic, up to 2 bytes*
Payment method
└bizTypeAN(2)Alphanumeric, up to 2 bytes*
Business type code
*S1: Phone Ownership Verification
└encCdN(2)Numeric, up to 2 bytes*
Encryption type code
└mchtTrdNoAN(100)Alphanumeric, up to 100 bytes*
Merchant order number (must be identical to the order number sent in the issuance request)
└trdDtN(8)Numeric, up to 8 bytes*
Request date (yyyyMMdd)
└trdTmN(6)Numeric, up to 6 bytes*
Request time (HHmmss)
└mobileYnA(1)Alphabetic, up to 1 bytes
Mobile indicator
Y: Mobile web/app N: PC or other
└osTypeA(1)Alphabetic, up to 1 bytes
OS type
A: Android I: IOS W: Windows M: Mac E: Other

data Object

└pktHashAN(64)Alphanumeric, up to 64 bytes*SHA-256(실시간 생성)
Hash value generated using SHA256
*Transaction date + transaction time + merchant ID + merchant order number + '0' + hash key
└cphoneNoN(11)Numeric, up to 11 bytes*AES-256AES-256/ECB/PKCS5Padding + Base64
Phone number (without hyphens)
└mchtCustIdAN(100)Alphanumeric, up to 100 bytes*
Merchant customer ID

Response Parameters

타입 표기법
N숫자A영문H한글AN영문+숫자AHN영문+한글+숫자
예: AN(10) = 영문+숫자, 최대 10byte

params Object

└mchtIdAN(10)Alphanumeric, up to 10 bytes*nxva_sb_il
Merchant ID
└verAN(4)Alphanumeric, up to 4 bytes*0A18
Message version
└methodA(2)Alphabetic, up to 2 bytes*VA
Payment method
└bizTypeAN(2)Alphanumeric, up to 2 bytes*S1
Business type code
└encCdN(2)Numeric, up to 2 bytes*23
Encryption type code
└mchtTrdNoAN(100)Alphanumeric, up to 100 bytes*ORDER20211231100000
Merchant order number
└trdNoAN(40)Alphanumeric, up to 40 bytes*STBK_0123456789
Hecto Financial transaction number
└trdDtN(8)Numeric, up to 8 bytes*20211231
Request date
└trdTmN(6)Numeric, up to 6 bytes*120000
Request time
└outStatCdAN(4)Alphanumeric, up to 4 bytes*0021
Transaction status code
0021: Success 0031: Failure
└outRsltCdAN(4)Alphanumeric, up to 4 bytes*0000
Result code (0000 indicates success)
└outRsltMsgAHN(200)Alphanumeric + Korean, up to 200 bytes*Processed successfully.
Result message

data Object

└pktHashAN(64)Alphanumeric, up to 64 bytes*75ac014c33165f3ee0c331123a0049f37a6e1578f8cec1d3d0374ffb75f18496
Response hash value
└cphoneNoN(11)Numeric, up to 11 bytes*AES-256AES-256/ECB/PKCS5Padding01012345678
Phone number
*실제 응답값은 AES-256 암호화된 값입니다. 복호화 후 사용하세요.
└mchtCustIdAN(100)Alphanumeric, up to 100 bytes*HongGilDong
Merchant customer ID

Request Example

{
  "params": {
    "mchtId": "nxva_sb_il",
    "ver": "0A18",
    "method": "VA",
    "bizType": "S1",
    "encCd": "23",
    "mchtTrdNo": "ORDER20211231100000",
    "trdDt": "20211231",
    "trdTm": "120000",
    "mobileYn": "N",
    "osType": "W"
  },
  "data": {
    "pktHash": "hash value",
    "cphoneNo": "AES-encrypted phone number",
    "mchtCustId": "HongGilDong"
  }
}

Response Example

{
  "params": {
    "mchtId": "nxva_sb_il",
    "ver": "0A18",
    "method": "VA",
    "bizType": "S1",
    "encCd": "23",
    "mchtTrdNo": "ORDER20211231100000",
    "trdNo": "STBK_0123456789",
    "trdDt": "20211231",
    "trdTm": "120000",
    "outStatCd": "0021",
    "outRsltCd": "0000",
    "outRsltMsg": "Processed successfully."
  },
  "data": {
    "pktHash": "response hash value",
    "cphoneNo": "AES-encrypted phone number",
    "mchtCustId": "HongGilDong"
  }
}
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