| 1 | 금융보안연구원, "전자금융 新인증기술 연구보고서", 금융보안연구원 연구보고서, 금보원 2011-01, Mar 2011. |
| 2 | FFIEC, Supplement to Authentication in an Internet Banking Environment, Jun. 2011. |
| 3 | MAS, Internet banking and technology risk management guidelines, Version 3.0, 2 June 2008. |
| 4 | ITU-T, "X.sap-8: Multi-factor authentication mechanisms based on a mobile device, draft, Jan.2014. |
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