1. The Defendant: (a) KRW 22,210,340 for the Plaintiff and KRW 5% per annum from June 20, 2015 to June 15, 2016; and (b) for the Plaintiff.

1. On June 11, 2004, the Plaintiff, who is operating a English Private Teaching Institute (1973 students), entered into a loan transaction agreement with the Defendant on January 2, 2007 after commencing financial transactions, such as the Defendant’s deposit, and opened a Masp passbook (Account Number B; hereinafter “instant account”).

B. At around 14:30 on September 28, 2014, the Plaintiff had access to the Defendant’s website that had been registered in order to pay local taxes through the instant account. However, on the screen, the Plaintiff’s pop-up shop, “the fraud prevention account registration service,” which appears in the Financial Supervisory Service’s pop-up shop, was taken to secure security at financial institutions, etc., and the business account number (C), transfer password, the above account transfer password, the OTP’s identification number, the transfer of the above account’s authorized certificate, and the re-issuance of the authorized certificate, etc., are a physical device separately kept by the user of the electronic financial transaction, and to strengthen security more than the security card that has been separately determined by the user of the electronic financial transaction.

OTP terminal has a path pro-f function so that, in case of a third party's attempt of reproduction, the most important information inside is to be immediately deleted.

(See Decision 2012Na42481, April 4, 2013). The password was entered, respectively, and on the screen, the indication “in the process of registration.”

Article 22(1) of the former Act provides that “A person who is named as an employee of the Financial Supervisory Service shall not be deemed to have been registered on the screen” and “a person who is named as an employee of the Financial Supervisory Service” refers to a person who is named as an employee of the Financial Supervisory Service. At the same time, the person who is named as an employee of the Financial Supervisory Service refers to a person who is named as an employee of the Financial Supervisory Service