Backend Software Engineer

Karrotpay โ€” South Korea ยท Posted ~22 hours ago

Full-time

Skills

Backend Development Service Development Core Platform Development Service Operations

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Summary โœจ AIโ€‘Generated

Join a fintech engineering organization building payment and financial infrastructure for everyday users. You can take ownership of core services or user-facing capabilities, work in small autonomous teams, ship quickly, tackle complex problems collaboratively, and continuously learn from real production challenges.

Highlights

Work on fintech and payment infrastructure that directly serves everyday users. The team emphasizes strong ownership, rapid delivery, autonomy, cross-functional collaboration, continuous learning, and solving meaningful user problems.

Description

๋‹น๊ทผํŽ˜์ดํŒ€์„ ์†Œ๊ฐœํ•ด์š” ๋‹น๊ทผํŽ˜์ดํŒ€์€ ๋™๋„ค์—์„œ ์ด๋ฃจ์–ด์ง€๋Š” ๋‹ค์–‘ํ•œ ๊ฑฐ๋ž˜๋ฅผ ์—ฐ๊ฒฐํ•˜๋Š” ๊ฒƒ์„ ๋ชฉํ‘œ๋ฅผ ๊ฐ€์ง€๊ณ  ์žˆ์–ด์š”. ์ค‘๊ณ  ๊ฑฐ๋ž˜ ์†ก๊ธˆ๋ฟ๋งŒ ์•„๋‹ˆ๋ผ, ๋™๋„ค ๊ฒฐ์ œ๋ฅผ ํ†ตํ•ด ๋™๋„ค์˜ ์ผ์ƒ์— ์Šค๋ฉฐ๋“œ๋Š” ํ•€ํ…Œํฌ ์„œ๋น„์Šค๊ฐ€ ๋˜๊ณ ์ž ํ•ด์š”. ๋‹น๊ทผํŽ˜์ดํŒ€์€ ์ด๋ ‡๊ฒŒ ์ผํ•ด์š” ๋‹น๊ทผํŽ˜์ดํŒ€์€ ์‚ฌ์šฉ์ž์˜ ๋ฌธ์ œ๋ฅผ ํ•ด๊ฒฐํ•˜๋Š” ์„œ๋น„์ŠคํŒ€๊ณผ, ์ด๋ฅผ ์œ„ํ•ด ํ•ต์‹ฌ์ด ๋˜๋Š” ๊ณตํ†ต ์„œ๋น„์Šค๋ฅผ ๋งŒ๋“œ๋Š” ์ฝ”์–ดํŒ€์œผ๋กœ ๊ตฌ์„ฑ๋˜์–ด ์žˆ์–ด์š”์„œ๋น„์ŠคํŒ€์€ PM, ๋””์ž์ด๋„ˆ, ์—”์ง€๋‹ˆ์–ด๋กœ ๊ตฌ์„ฑ๋œ 5~7๋ช…์˜ ํŒŒํŠธ๋กœ ๊ตฌ์„ฑ๋˜์–ด ์žˆ์–ด์š”. ๊ฐ ํŒŒํŠธ๋Š” ๊ธฐ๋Šฅ ๋‹จ์œ„๊ฐ€ ์•„๋‹Œ ์‚ฌ์šฉ์ž์˜ ๋ฌธ์ œ๋ฅผ ํ•ด๊ฒฐํ•˜๋ฉฐ ์‹ค์งˆ์ ์ธ ๊ฐ€์น˜๋ฅผ ์ „๋‹ฌํ•˜๋Š” ํ•˜๋‚˜์˜ ์ž‘์€ ์Šคํƒ€ํŠธ์—…์ฒ˜๋Ÿผ ์›€์ง์—ฌ์š”. ์ตœ๊ณ ์˜ ์„œ๋น„์Šค๋ฅผ ๋งŒ๋“ค๊ธฐ ์œ„ํ•ด ์ง๊ตฐ๊ณผ ์ƒ๊ด€์—†์ด ๋ˆ„๊ตฌ๋‚˜ ์•„์ด๋””์–ด๋ฅผ ๋‚ด๊ณ  ์‹คํ–‰๊นŒ์ง€ ํ•ด๋ณผ ์ˆ˜ ์žˆ์–ด์š”์ฝ”์–ดํŒ€์€ ์„œ๋น„์ŠคํŒ€์ด ๋‹น๊ทผ์˜ ์‚ฌ์šฉ์ž์—๊ฒŒ ํšจ์œจ์ ์œผ๋กœ ๋น„์ฆˆ๋‹ˆ์Šค์  ๊ฐ€์น˜๋ฅผ ์ œ๊ณตํ•  ์ˆ˜ ์žˆ๋„๋ก ๊ณตํ†ต์œผ๋กœ ์‚ฌ์šฉํ•˜๋Š” ์ฝ”์–ด ์„œ๋น„์Šค๋ฅผ ๋งŒ๋“ค์–ด์š”. ๋‹น๊ทผํŽ˜์ด์˜ ํ•ต์‹ฌ์ด ๋˜๋Š” ๊ณตํ†ต ์„œ๋น„์Šค์™€ ๋„๊ตฌ์— ๋Œ€ํ•ด ์˜ค๋„ˆ์‹ญ์„ ๊ฐ€์ง€๊ณ  ๊ฐœ๋ฐœ ๋ฐ ์šด์˜ํ•ด์š”. ์„œ๋น„์Šค๋ฅผ ์œ„ํ•œ ๊ณตํ†ต์˜ ์š”๊ตฌ์‚ฌํ•ญ์„ ๋ฐœ๊ฒฌํ•˜๊ณ  ์ด๋ฅผ ํ•ด๊ฒฐํ•˜๊ธฐ ์œ„ํ•œ ํ”Œ๋žซํผ์„ ์ œ๊ณตํ•ด์š”์‚ฌ์šฉ์ž์—๊ฒŒ ๊ฐ€์น˜๋ฅผ ์ œ๊ณตํ•˜๋Š” ๊ธฐ๋Šฅ์ด๋ผ๋ฉด ๊ณ ์ •๋œ ๋ฆด๋ฆฌ์ฆˆ ์ฃผ๊ธฐ ์—†์ด ๋น ๋ฅด๊ฒŒ ๊ฐœ๋ฐœํ•˜๊ณ  ๋ฐฐํฌํ•ด์š”์™ธ๋ถ€ ์š”์ฒญ, ๊ฐœ์„  ๋“ฑ ๊ณตํ†ต ์ž‘์—…์—๋Š” ๋ง์„ค์ž„ ์—†์ด ๋ฐฑ๋กœ๊ทธ๋ฅผ ๋งŒ๋“ค๊ณ  ์ด์Šˆ๋ฅผ ์ฃผ๋„์ ์œผ๋กœ ํ•ด๊ฒฐํ•ด์š”๊ฐ์ž๊ฐ€ ๊ณ ๋ฏผํ•˜๊ณ  ์žˆ๋Š” ๋ณต์žกํ•œ ์ƒํ™ฉ์ด ์žˆ๋‹ค๋ฉด ๊ณต์œ ํ•˜๊ณ  ํ•จ๊ป˜ ์ดํ•ดํ•ด์š”๋ฌธ์ œ๊ฐ€ ์ƒ๊ธฐ๋ฉด ๋™๋ฃŒ์™€ ํ•จ๊ป˜ ํž˜์„ ๋ชจ์•„ ํ•ด๊ฒฐํ•ด์š”. ๋ฌธ์ œ๋ฅผ ํ†ตํ•ด์„œ ํ•™์Šตํ•˜๊ณ  ํ•ด๊ฒฐํ•˜๋Š” ๊ณผ์ •์„ ํ†ตํ•ด ์„ฑ์žฅํ•ด์š”็„ก็Ÿฅ(๋ชจ๋ฅด๋Š” ๊ฒƒ)๋ฅผ ๋‘๋ ค์›Œํ•˜์ง€ ์•Š๊ณ  ์‹ ๋ขฐํ•˜๋ฉฐ ๋ฐฐ์›Œ ๋‚˜๊ฐ€์š”. ๊ฐ„๋‹จํ•˜๊ณ  ์‚ฌ์†Œํ•œ ์‹ค์ˆ˜๋ผ๋„ ๊ธฐ๋กํ•˜๊ณ  ๊ณต์œ ํ•ด์š”ํ•จ๊ป˜ํ•  ํŒ€์„ ์†Œ๊ฐœํ•ด์š” Offline PaymentํŒ€, Payment CoreํŒ€, Service CoreํŒ€์—์„œ ํ•จ๊ป˜ํ•  ์—”์ง€๋‹ˆ์–ด๋ถ„๋“ค์„ ์ฐพ๊ณ  ์žˆ์–ด์š”. 1. Offline PaymentํŒ€ "๋‹น๊ทผํŽ˜์ด๋กœ ํ• ๊ฒŒ์š”." Offline PaymentํŒ€์€ ์ค‘๊ณ ๊ฑฐ๋ž˜๋ฅผ ๋„˜์–ด, ์˜จ ๋™๋„ค์—์„œ ๋‹น๊ทผํŽ˜์ด๋ฅผ ์‚ฌ์šฉํ•˜๋Š” ๊ฒฝํ—˜์„ ๋งŒ๋“ค์–ด์š”. ๋‹น๊ทผ์ด ์ค‘๊ณ ๊ฑฐ๋ž˜๋กœ ์ˆ˜์ฒœ๋งŒ์˜ ์ผ์ƒ์„ ๋ฐ”๊ฟ” ์˜จ ๊ฒƒ์ฒ˜๋Ÿผ, ๊ฒฐ์ œ์—์„œ๋„ ๋™๋„ค ์‚ฌ์žฅ๋‹˜๊ณผ ๊ณ ๊ฐ์„ ์ƒˆ๋กญ๊ฒŒ ์ž‡๊ณ ์ž ํ•ด์š”. ๋‹จ์ˆœํžˆ ํŽธ๋ฆฌํ•œ ๊ฒฐ์ œ์ˆ˜๋‹จ์„ ๋งŒ๋“œ๋Š” ๋ฐ์„œ ๊ทธ์น˜์ง€ ์•Š๊ณ , ๋‹น๊ทผ์˜ 4์ฒœ๋งŒ ์‚ฌ์šฉ์ž์—๊ฒŒ ๋”ฑ ๋งž๋Š” ํ˜œํƒ๊ณผ ๋ชฐ๋ž๋˜ ๋™๋„ค ๊ฐ€๊ฒŒ๋ฅผ ๋ฐœ๊ฒฌํ•˜๋Š” ์ฆ๊ฑฐ์›€๊นŒ์ง€ ์ „ํ•˜๋Š” ๊ฒƒ์ด ์šฐ๋ฆฌ์˜ ๋ชฉํ‘œ์˜ˆ์š”. Offline Payment์—์„œ ํ•  ์ˆ˜ ์žˆ๋Š” ์ผ ์นด๋“œ๋„ ํ˜„๊ธˆ๋„ ํ•„์š” ์—†์ด, ํฐ ํ•˜๋‚˜๋กœ ๋๋‚˜๋Š” ๊ฐ€์žฅ ๋น ๋ฅด๊ณ  ํŽธํ•œ ๊ฒฐ์ œ ๊ฒฝํ—˜์„ ์„ ์‚ฌํ•ด์š”์‚ฌ์šฉ์ž์—๊ฒŒ ์ •๋ง ํšจ๊ณผ์ ์ธ ํ˜œํƒ์€ ๋ฌด์—‡์ธ์ง€ ๊ณ ๋ฏผํ•˜๊ณ , ๋‹ค์–‘ํ•œ ํ˜•ํƒœ๋กœ ์‹คํ—˜ํ•˜๋ฉฐ ๋‹ต์„ ์ฐพ์•„๊ฐ€์š”๊ฐ€๋งน์ ๊ณผ ๋ธŒ๋žœ๋“œ์—๊ฒŒ ์‹ค์งˆ์ ์ธ ๋งˆ์ผ€ํŒ… ์†”๋ฃจ์…˜์ด ๋˜๋„๋ก, ๋ฐ์ดํ„ฐ ๊ธฐ๋ฐ˜์˜ CRM์„ ์„ค๊ณ„ํ•˜๊ณ  ๊ตฌ์ถ•ํ•ด์š”์นด๋“œ์‚ฌ ์—ฐ๋™ ๋“ฑ ๊ฒฐ์ œ ์ˆ˜๋‹จ์„ ๋„“ํ˜€, ๋” ๋งŽ์€ ๊ณณ์—์„œ ๋‹น๊ทผํŽ˜์ด๋กœ ๊ฒฐ์ œํ•  ์ˆ˜ ์žˆ๋Š” ์ปค๋ฒ„๋ฆฌ์ง€๋ฅผ ๋งŒ๋“ค์–ด์š”Offline Payment์—์„œ ์—”์ง€๋‹ˆ์–ด๊ฐ€ ํ’€์–ด์•ผ ํ•˜๋Š” ๋ฌธ์ œ ๋„คํŠธ์›Œํฌ๊ฐ€ ๋ถˆ์•ˆ์ •ํ•œ ํ˜„์žฅ์—์„œ๋„ ๋Š๊น€ ์—†๋Š” ๊ฒฐ์ œ ๊ฒฝํ—˜์„ ๋งŒ๋“ค์–ด์š”. ๊ทธ ์•ˆ์—์„œ ๊ธˆ์•ก ์ •ํ•ฉ์„ฑ์€ ์ ˆ๋Œ€ ํƒ€ํ˜‘ํ•  ์ˆ˜ ์—†๋Š” ๊ธฐ์ค€์ด์—์š”์—ฌ๋Ÿฌ ์ œํœด์‚ฌ์™€ ์—ฐ๋™ํ•ด์•ผ ํ•˜๋Š” ํ™˜๊ฒฝ์—์„œ, ํ†ต์‹  ์•ˆ์ •์„ฑ์„ ์ง€ํ‚ค๋ฉด์„œ๋„ ๋Š˜์–ด๋‚˜๋Š” ์—ฐ๋™ ๋ณต์žก๋„๋ฅผ ์ž˜ ๋‹ค์Šค๋ ค์š”๊ฒฐ์ œ ์œ ์ €์˜ ํŒจํ„ด์„ ๋ถ„์„ํ•˜๊ณ , ์‹œ์Šคํ…œ์ด ์Šค์Šค๋กœ ๊ฐ ์œ ์ €์—๊ฒŒ ๋งž๋Š” ๋งž์ถคํ˜• ํ˜œํƒ์„ ๊ฑด๋„ฌ ์ˆ˜ ์žˆ๋„๋ก ์„ค๊ณ„ํ•ด์š”๋ฐ˜๋ณต๋˜๋Š” ํ”„๋กœ๋ชจ์…˜ ์šด์˜๊ณผ CS๋ฅผ AI๋กœ ์ž๋™ํ™”ํ•ด, ๋” ๋ณธ์งˆ์ ์ธ ๋ฌธ์ œ์— ์ง‘์ค‘ํ•  ์ˆ˜ ์žˆ๊ฒŒ ๋งŒ๋“ค์–ด์š”์—”์ง€๋‹ˆ์–ด๋ง์— ๊ทธ์น˜์ง€ ์•Š๊ณ , ์•„์ด๋””์–ด๋ฅผ ์ง์ ‘ ์ œ์•ˆํ•˜๊ณ  ์‹คํ—˜ยท๋ฐ์ดํ„ฐ๋กœ ๊ฒ€์ฆํ•˜๋ฉฐ ์˜คํ”„๋ผ์ธ ๊ฒฐ์ œ ๊ฒฝํ—˜์„ ๋” ๋‚˜์€ ๋ฐฉํ–ฅ์œผ๋กœ ์ด๋Œ์–ด ๋‚˜๊ฐ€์š”2. Payment CoreํŒ€ Payment CoreํŒ€์€ ๋‹น๊ทผํŽ˜์ด์˜ ๊ฒฐ์ œ ํ”Œ๋žซํผ์„ ๋งŒ๋“œ๋Š” ํŒ€์ด์—์š”. ๊ฒฐ์ œ, ์ •์‚ฐ, ์ฟ ํฐ, ๋ฑ…ํ‚น, ํŒŒํŠธ๋„ˆ ๋“ฑ ๋‹น๊ทผ์˜ ๋ชจ๋“  ๊ธˆ์ „ ๊ฑฐ๋ž˜๊ฐ€ ํ๋ฅด๋Š” ์ฝ”์–ด๋ฅผ ์„ค๊ณ„ํ•˜๊ณ  ์•ˆ์ •์ ์œผ๋กœ ์šด์˜ํ•ด์š”. ์ค‘๊ณ ๊ฑฐ๋ž˜, ๊ด‘๊ณ , ์ปค๋จธ์Šค ๋“ฑ ์‚ฌ๋‚ด์— ์—ฌ๋Ÿฌ ์„œ๋น„์Šค๊ฐ€ ์šฐ๋ฆฌ ํ”Œ๋žซํผ ์œ„์—์„œ ๊ฒฐ์ œ๋ฅผ ์ฒ˜๋ฆฌํ•˜๊ธฐ ๋•Œ๋ฌธ์— ํ•œ ๋ฒˆ์˜ ์žฅ์• ๊ฐ€ ์ „์‚ฌ์— ํŒŒ๊ธ‰๋˜๋Š” ๋†’์€ ์ฑ…์ž„๊ฐ์„ ๊ฐ€์ง€๊ณ  ์žˆ์–ด์š”. Payment Core์—์„œ ํ•  ์ˆ˜ ์žˆ๋Š” ์ผ ๋‹น๊ทผํŽ˜์ด ๊ฒฐ์ œ ์ฝ”์–ด๋ฅผ ์ œํ’ˆ ๊ธฐํš ๋‹จ๊ณ„๋ถ€ํ„ฐ ํ•จ๊ป˜ ์ฐธ์—ฌํ•˜๊ณ  ๋„๋ฉ”์ธ ๋ชจ๋ธ๋ถ€ํ„ฐ ์‹œ์Šคํ…œ ์•„ํ‚คํ…์ฒ˜๊นŒ์ง€ ์ง์ ‘ ์„ค๊ณ„ํ•˜๊ณ  ๊ตฌํ˜„ํ•ด์š”๋‹ค์–‘ํ•œ ๊ฒฐ์ œ ํŒŒํŠธ๋„ˆ๋“ค์ด ์šฐ๋ฆฌ ํ”Œ๋žซํผ์„ ์‰ฝ๊ฒŒ ์—ฐ๋™ํ•  ์ˆ˜ ์žˆ๋Š” API์™€ SDK๋ฅผ ๊ฐœ๋ฐœํ•ด์š”๋ฐ˜๋ณต๋˜๋Š” ๋ฌธ์˜์™€ ์šด์˜ ์—…๋ฌด๋“ค์„ ์ž๋™ํ™”ํ•ด์„œ ํŒ€๊ณผ ํŒŒํŠธ๋„ˆ์˜ ์ƒ์‚ฐ์„ฑ์„ ๋†’์—ฌ์š”์—”์ง€๋‹ˆ์–ด๋ง ๋ฟ๋งŒ ์•„๋‹ˆ๋ผ, ์•„์ด๋””์–ด๋ฅผ ์ง์ ‘ ์ œ์•ˆํ•˜๊ณ  ์‹คํ—˜์ด๋‚˜ ๋ฐ์ดํ„ฐ๋กœ ๊ฒ€์ฆํ•ด์„œ ์ œํ’ˆ์„ ๋” ๋‚˜์€ ๋ฐฉํ–ฅ์œผ๋กœ ์ด๋Œ์–ด ๋‚˜๊ฐ€์š”.Payment Core์—์„œ ํ’€์–ด์•ผ ํ•˜๋Š” ๋ฌธ์ œ ๋ˆ์ด ํ๋ฅด๋Š” ์‹œ์Šคํ…œ์—์„œ ๋‹จ 1์›์˜ ์˜ค์ฐจ๋„ ์—†๋Š” ์ •ํ™•์„ฑ์„ ์ง€์ผœ๋‚ด์š”์ฃผ๋ฌธ-๊ฒฐ์ œ-์ •์‚ฐ์œผ๋กœ ์ด์–ด์ง€๋Š” ๋ฐ์ดํ„ฐ๊ฐ€ ์–ด๊ธ‹๋‚˜์ง€ ์•Š๋„๋ก ์ •ํ•ฉ์„ฑ์„ ์„ค๊ณ„ํ•˜๊ณ  ๊ฒ€์ฆํ•ด์š”์žฅ์•  ์ƒํ™ฉ์—๋„ ์œ ์ €์˜ ๋ถˆํŽธํ•จ์„ ์ตœ์†Œํ™”ํ•˜๊ณ  ์„œ๋น„์Šค๋ฅผ ๋น ๋ฅด๊ฒŒ ๋ณต๊ตฌํ•  ์ˆ˜ ์žˆ๋Š” ๊ตฌ์กฐ๋ฅผ ๊ณ ๋ฏผํ•ด์š”์„œ๋กœ ๋‹ค๋ฅธ ํŒŒํŠธ๋„ˆ์˜ ์ˆ˜๋งŽ์€ ์š”๊ตฌ์‚ฌํ•ญ๋“ค์„ ํ”Œ๋žซํผ ์ˆ˜์ค€์˜ ๋ฌธ์ œ๋กœ ์žฌ์ •์˜ ํ•ด์š”.๊ธ‰์ฆํ•˜๋Š” ํŠธ๋ž˜ํ”ฝ๊ณผ ์ ์  ๋ณต์žกํ•ด์ง€๋Š” ์ •์ฑ… ์†์—์„œ๋„ ์•ˆ์ •์„ฑ๊ณผ ํ™•์žฅ์„ฑ์„ ๋™์‹œ์— ์žก์•„์š”3. Service CoreํŒ€ Service CoreํŒ€์€ 1,300๋งŒ ๊ณ ๊ฐ๋ถ€ํ„ฐ ์˜†์ž๋ฆฌ ๋™๋ฃŒ๊นŒ์ง€, ํญ๋„“์€ ์‚ฌ์šฉ์ž๋ฅผ ์œ„ํ•œ ํ”„๋กœ๋•ํŠธ๋ฅผ ๋งŒ๋“ค์–ด์š”. ๊ณ ๊ฐ์ด ์“ฐ๋Š” ๊ณ„์ •ยท์ธ์ฆ, API Gateway, ๋ณธ์ธ์ธ์ฆยทKYCยท์•ฝ๊ด€ ๊ฐ™์€ ๋„๋ฉ”์ธ๋ถ€ํ„ฐ ๋™๋ฃŒ๋“ค์ด ์“ฐ๋Š” ์–ด๋“œ๋ฏผยท๋ฉ”์‹œ์ง€ ํ”Œ๋žซํผ๊นŒ์ง€, ๋ชจ๋“  ์„œ๋น„์Šค์˜ ๋ฐ”ํƒ•์ด ๋˜๋Š” ๊ณตํ†ต ๊ณ„์ธต์„ ์ฑ…์ž„์ ธ์š”. ๊ธˆ์œต ์„œ๋น„์Šค์ด๊ธฐ ๋•Œ๋ฌธ์— ์•ˆ์ „์„ ๊ฐ€์žฅ ์•ž์— ๋‘๋˜, ๊ทธ ์•ˆ์ „์ด ์‚ฌ์šฉ์ž์—๊ฒŒ๋Š” ๋งค๋„๋Ÿฌ์šด ๊ฒฝํ—˜์œผ๋กœ, ๋‹ค๋ฅธ ํŒ€์—๋Š” ๋” ๋น ๋ฅธ ์†๋„๋กœ ์ด์–ด์ง€๊ฒŒ ์„ค๊ณ„ํ•ด์š”. ์ด ๊ท ํ˜•์ด Service Core์˜ ํ•ต์‹ฌ ๊ณผ์ œ์˜ˆ์š”. Service Core์—์„œ ํ•  ์ˆ˜ ์žˆ๋Š” ์ผ ๋‹น๊ทผํŽ˜์ด ์„œ๋น„์Šค์˜ ๊ทผ๊ฐ„์ด ๋˜๋Š” ๊ณ„์ • ์‹œ์Šคํ…œ์„ ๋งŒ๋“ค๊ณ , ์—ฌ๋Ÿฌ ์„œ๋น„์Šค๊ฐ€ ํ•จ๊ป˜ ์จ๋„ ์•ˆ์ •์ ์œผ๋กœ ์šด์˜ํ•ด์š”๊ณ„์ •ยท์ธ์ฆ ํ”Œ๋žซํผ์„ ๋งŒ๋“œ๋Š” ๊ฒƒ์—์„œ ๋๋‚˜์ง€ ์•Š๊ณ , ํšŒ์›๊ฐ€์ž…ยท์ธ์ฆ์˜ ์‚ฌ์šฉ์ž ๊ฒฝํ—˜๊ณผ ์ „ํ™˜์œจ๊นŒ์ง€ ์ง์ ‘ ์ฑ…์ž„์ง€๋ฉฐ ์ธํ”„๋ผ ๊ธฐ์ˆ ๊ณผ ํ”„๋กœ๋•ํŠธ ๊ฐ๊ฐ์„ ํ•จ๊ป˜ ๋‹ค๋ค„์š”๊ฐ€์ž…ยทKYCยท์•ฝ๊ด€ ๋™์˜์ฒ˜๋Ÿผ ์‚ฌ์šฉ์ž๊ฐ€ ๋‹น๊ทผํŽ˜์ด์— ์ฒ˜์Œ ์ง„์ž…ํ•˜๋Š” ์˜จ๋ณด๋”ฉ์„ ๋งŒ๋“ค์–ด์š”๋ฉ”์‹œ์ง•ยท์–ด๋“œ๋ฏผ์ฒ˜๋Ÿผ ์–ด๋А ์„œ๋น„์Šค์—๋‚˜ ํ•„์š”ํ•œ ๊ธฐ๋Šฅ์„ ๊ณตํ†ต ํ”Œ๋žซํผ์œผ๋กœ ์ œ๊ณตํ•ด์„œ, ์„œ๋น„์ŠคํŒ€์ด ์ž๊ธฐ ๋ฌธ์ œ์—๋งŒ ์ง‘์ค‘ํ•  ์ˆ˜ ์žˆ๊ฒŒ ํ•ด์š”CSยท์šด์˜ยท์ปดํ”Œ๋ผ์ด์–ธ์Šค๊ฐ€ ์•ˆ์ „ํ•˜๊ณ  ํšจ์œจ์ ์œผ๋กœ ์ผํ•  ์ˆ˜ ์žˆ๋Š” ์–ด๋“œ๋ฏผยท๋ฐฑ์˜คํ”ผ์Šค๋ฅผ ๋งŒ๋“ค๊ณ  ์šด์˜ํ•ด์š”Service Core์—์„œ ์—”์ง€๋‹ˆ์–ด๊ฐ€ ํ’€์–ด์•ผ ํ•˜๋Š” ๋ฌธ์ œ ๋‹น๊ทผํŽ˜์ด์˜ ๋ชจ๋“  ์š”์ฒญ์ด ์ง€๋‚˜๋Š” ์‹œ์Šคํ…œ์ด๋ผ, ํŠธ๋ž˜ํ”ฝ์ด ๋ช‡ ๋ฐฐ๋กœ ๋Š˜์–ด๋‚˜๋„ ํ”๋“ค๋ฆฌ์ง€ ์•Š๋Š” ์•ˆ์ •์„ฑ์„ ์ง€์ผœ๋‚ด์š”๋ณธ์ธ์ธ์ฆ ๊ธฐ๊ด€์ฒ˜๋Ÿผ ํ†ต์ œํ•  ์ˆ˜ ์—†๋Š” ์™ธ๋ถ€ ์‹œ์Šคํ…œ์˜ ์žฅ์• ๊ฐ€ ์ „์ฒด ์ธ์ฆ์œผ๋กœ ๋ฒˆ์ง€์ง€ ์•Š๋„๋ก ๊ฒฉ๋ฆฌํ•˜๋Š” ๊ตฌ์กฐ๋ฅผ ์„ค๊ณ„ํ•ด์š”๊ธˆ์œต ์„œ๋น„์Šค์˜ ์•ˆ์ „์„ ์ง€ํ‚ค๋ฉด์„œ๋„, ๊ทธ ๋ณด์•ˆ ์žฅ์น˜๊ฐ€ ๊ณ ๊ฐ ๊ฒฝํ—˜๊ณผ ์„œ๋น„์Šค์— ๋ฏธ์น˜๋Š” ์˜ํ–ฅ์€ ์ตœ์†Œํ™”ํ•ด์š”๋‹น๊ทผ ๋‚ด ์—ฌ๋Ÿฌ ๊ณ„์ • ์ฒด๊ณ„์™€ ์—ฐ๊ณ„ํ•ด ํ•˜๋‚˜์˜ ๊ฒฝํ—˜์œผ๋กœ ์ž‡๊ณ , ์—ฐ๊ฒฐํ•˜๊ณ  ํ•ด์ œํ•˜๋Š” ๋ชจ๋“  ์ˆœ๊ฐ„์˜ ์ •ํ•ฉ์„ฑ์„ ๋ณด์žฅํ•ด์š”ํ•ฉ๋ฅ˜ํ•˜๋ฉด ํ•จ๊ป˜ ํ•  ์—…๋ฌด์—์š” Offline PaymentํŒ€ ์—”์ง€๋‹ˆ์–ด๋Š” ์„œ๋น„์Šค๋ฅผ ์„ฑ์žฅ์‹œํ‚ค๊ธฐ ์œ„ํ•ด ์‚ฌ์šฉ์ž ์ž…์žฅ์—์„œ ๊ณ ๋ฏผํ•˜๊ณ  ๊ธฐ์ˆ ์„ ํ™œ์šฉํ•ด ์‚ฌ์šฉ์ž์˜ ๋ฌธ์ œ๋ฅผ ํ•ด๊ฒฐํ•ด์š”Payment Core, Service CoreํŒ€ ์—”์ง€๋‹ˆ์–ด๋Š” ์•ˆ์ •์ ์ด๊ณ  ํ™•์žฅ ๊ฐ€๋Šฅํ•œ ์„œ๋น„์Šค ์ œ๊ณต์„ ์œ„ํ•ด API Gateway, ๊ณ„์ •, ์ธ์ฆ, ๋ฉ”์‹œ์ง€ ํ”Œ๋žซํผ ๊ทธ๋ฆฌ๊ณ  ๋ฐ์ดํ„ฐ ๊ธฐ๋ฐ˜ ์˜์‚ฌ๊ฒฐ์ •์„ ๋•๋Š” ํšจ์œจ์ ์ธ ๋ฐฑ์˜คํ”ผ์Šค๋ฅผ ๋งŒ๋“ค์–ด์š”Kotlin ๋“ฑ JVM ๊ธฐ๋ฐ˜ ํ™˜๊ฒฝ์—์„œ ๋‹น๊ทผํŽ˜์ด์˜ ๋ฐฑ์—”๋“œ ์„œ๋น„์Šค๋ฅผ ๊ฐœ๋ฐœํ•˜๊ณ  ์šด์˜ํ•˜๊ณ  ์žˆ์–ด์š”REST API, gRPC, GraphQL, TCP ๋“ฑ ๋‹ค์–‘ํ•œ ๋„คํŠธ์›Œํฌ ํ”„๋กœํ† ์ฝœ๊ณผ ์ธํ„ฐํŽ˜์ด์Šค๋ฅผ ๋‹ค๋ค„์š”์•ˆ์ •์ ์ด๊ณ  ์‹ ๋ขฐ ๋†’์€ ๊ธˆ์œต ์„œ๋น„์Šค๋ฅผ ์ œ๊ณตํ•˜๊ธฐ ์œ„ํ•ด ๋‚ด๊ฒฐํ•จ์„ฑ(Fault Tolerance)๊ณผ ํƒ„๋ ฅ์„ฑ(Resilience)์„ ๊ฐ–์ถ˜ ์‹œ์Šคํ…œ์„ ๋งŒ๋“ค์–ด์š”MSA ํ™˜๊ฒฝ์—์„œ ๋ถ„์‚ฐ ํŠธ๋žœ์žญ์…˜์„ ์ฒ˜๋ฆฌํ•˜๋ฉฐ ๋™์‹œ์„ฑ ํ™˜๊ฒฝ์—์„œ๋„ ๊ธˆ์œต ๋ฐ์ดํ„ฐ์˜ ์ •ํ•ฉ์„ฑ์„ ์œ ์ง€ํ•ด์š”์ด๋Ÿฐ ๊ฒฝํ—˜์„ ํ•  ์ˆ˜ ์žˆ์–ด์š” Mission Critical ํ™˜๊ฒฝ์—์„œ ๋ฌธ์ œ ํ•ด๊ฒฐ์„ ์ž˜ํ•˜๋Š” ์—”์ง€๋‹ˆ์–ด๋กœ ์„ฑ์žฅํ•  ์ˆ˜ ์žˆ์–ด์š”์†ก๊ธˆ ๋ฐ ๊ฒฐ์ œ์™€ ๊ฐ™์€ ์‹ค์‹œ๊ฐ„ ํŠธ๋žœ์žญ์…˜ ์ฒ˜๋ฆฌ๋ฅผ ํฌํ•จํ•œ Mission Critical ํ™˜๊ฒฝ์—์„œ ๋‚ด๊ฒฐํ•จ์„ฑ(Fault Tolerance)๊ณผ ํƒ„๋ ฅ์„ฑ(Resilience)์„ ๊ธฐ๋ฐ˜์œผ๋กœ ๊ฒฐํ•จ์„ ์˜ˆ์ธกํ•˜๊ณ  ๋Œ€์ฒ˜ํ•  ์ˆ˜ ์žˆ๋Š” ์‹œ์Šคํ…œ์„ ๋งŒ๋“ค๊ณ  ์žˆ์–ด์š”๊ธˆ์œต ๋ฐ์ดํ„ฐ์˜ ์ •ํ•ฉ์„ฑ์„ ์œ ์ง€ํ•˜๋ฉด์„œ ์•ˆ์ „ํ•˜๊ณ  ์‹ ๋ขฐ์„ฑ ์žˆ๋Š” ์‹œ์Šคํ…œ์„ ๊ตฌ์ถ•ํ•˜๋Š” ๊ฒฝํ—˜์„ ํ†ตํ•ด ๋ณต์žกํ•œ ๋ฌธ์ œ๋ฅผ ํ•ด๊ฒฐํ•  ์ˆ˜ ์žˆ๋Š” ์—”์ง€๋‹ˆ์–ด๋กœ ์„ฑ์žฅํ•  ์ˆ˜ ์žˆ์–ด์š”. ์–ด๋– ํ•œ ์žฅ์•  ์ƒํ™ฉ์—์„œ๋„ ์‹ ์†ํ•˜๊ฒŒ ๋Œ€์ฒ˜ํ•˜๋Š” ๋ฐฉ๋ฒ•์„ ๋ฐฐ์šฐ๋ฉด์„œ ์‚ฌ์šฉ์ž์—๊ฒŒ ์•ˆ์ •์ ์ธ ์„œ๋น„์Šค๋ฅผ ์ œ๊ณตํ•˜๋Š” ์—ญ๋Ÿ‰๊ณผ ์‹ค์ „ ๊ธฐ์ˆ ๋ ฅ์„ ํ‚ค์šธ ์ˆ˜ ์žˆ์–ด์š”๋ฆฌ๋”์‹ญ, ํŒ€์›Œํฌ, ๋ชฐ์ž…์„ ๊ฒฝํ—˜ํ•  ์ˆ˜ ์žˆ์–ด์š”๋ฌธ์ œ๋ฅผ ์Šค์Šค๋กœ ๋ฐœ๊ตดํ•˜๊ณ  ๋ชฉํ‘œ๋ฅผ ๋‹ฌ์„ฑํ•˜๊ธฐ ์œ„ํ•ด ํ•„์š”ํ•œ Task๋ฅผ ์ •์˜ํ•˜๊ณ , ์ตœ์ข… ๊ฒฐ๊ณผ๋ฌผ์„ ์™„์„ฑ์‹œํ‚ค๋Š” A๋ถ€ํ„ฐ Z๊นŒ์ง€์˜ ๋ชจ๋“  ๊ฒฝํ—˜์„ ํ•  ์ˆ˜ ์žˆ์–ด์š”. ์ œํ’ˆ์ด๋‚˜ ํŠน์ • ๊ธฐ๋Šฅ์„ ๋ฐ‘๋ฐ”๋‹ฅ๋ถ€ํ„ฐ ์ถœ์‹œ๊นŒ์ง€ ์Šค์Šค๋กœ ์ฃผ๋„์ ์œผ๋กœ ๊ด€๋ฆฌํ•˜๊ณ  ์™„์„ฑํ•˜๋Š” ๊ฒฝํ—˜์„ ํ†ตํ•ด ์ „๋ฐ˜์ ์ธ ํ”„๋กœ์ ํŠธ ๊ด€๋ฆฌ ๋Šฅ๋ ฅ์„ ํ–ฅ์ƒ์‹œํ‚ฌ ์ˆ˜ ์žˆ์–ด์š”์ด๋•Œ ํ˜ผ์ž๊ฐ€ ์•„๋‹Œ ํŒ€์œผ๋กœ์„œ PM, ๋””์ž์ด๋„ˆ, ์—”์ง€๋‹ˆ์–ด ๋“ฑ ๋‹ค์–‘ํ•œ ์ง๊ตฐ๊ณผ ๊ธด๋ฐ€ํ•œ ํ˜‘์—…์„ ํ†ตํ•ด ๋™๋ฃŒ๋“ค์˜ ์„ฑ์žฅ์— ๊ธฐ์—ฌํ•˜๊ณ , ํ•„์š”์— ๋”ฐ๋ผ ๊ฐ์ž ๋ฆฌ๋”์‹ญ์„ ๋ฐœํœ˜ํ•˜์—ฌ ํŒ€ ์ „์ฒด์˜ ์„ฑ๊ณผ๋ฅผ ๋†’์ด๋Š” ๊ฒฝํ—˜์„ ํ•  ์ˆ˜ ์žˆ์–ด์š”์–ธ์ œ๋“ ์ง€ ์›ํ•˜๋Š” ์ž‘์—…์ด๋‚˜ ์•„์ด๋””์–ด๋ฅผ ์ œ์•ˆํ•˜๊ณ  ๊ธฐ์—ฌํ•  ์ˆ˜ ์žˆ๋Š” ํ™˜๊ฒฝ์—์„œ, ๋ฌธ์ œ ํ•ด๊ฒฐ๊ณผ ์ƒˆ๋กœ์šด ๊ธฐ๋Šฅ ๊ฐœ๋ฐœ์— ๋ชฐ์ž…ํ•  ์ˆ˜ ์žˆ์–ด์š”์ด๋Ÿฐ ๋ถ„๊ณผ ํ•จ๊ป˜ํ•˜๊ณ  ์‹ถ์–ด์š” 3๋…„ ์ด์ƒ์˜ ์„œ๋ฒ„ ๊ฐœ๋ฐœ ๊ฒฝํ—˜, ํ˜น์€ ์ด์— ์ค€ํ•˜๋Š” ์—ญ๋Ÿ‰์„ ๋ณด์œ ํ•˜์‹  ๋ถ„์ž๊ธฐ์ฃผ๋„์ ์ด๊ณ  ์ปค๋ฎค๋‹ˆ์ผ€์ด์…˜์ด ์›ํ™œํ•˜๋ฉฐ ๋น ๋ฅธ ์‹คํ–‰๋ ฅ์ด ์žˆ๋Š” ๋ถ„๋ณ€ํ™”๋ฅผ ๋‘๋ ค์›Œํ•˜์ง€ ์•Š๊ณ  ์ƒˆ๋กœ์šด ๊ธฐ์ˆ ์— ๋น ๋ฅด๊ฒŒ ์ ์‘ํ•˜๋ฉฐ ์ง€์†์ ์œผ๋กœ ์„ฑ์žฅํ•˜๊ณ ์ž ํ•˜๋Š” ๋ถ„์ด๋Ÿฐ ๋ถ„์ด๋ฉด ๋” ์ข‹์•„์š”! ์‚ฌ์šฉ์ž ์ค‘์‹ฌ์˜ ์‚ฌ๊ณ ๋ฅผ ๊ฐ€์ง€๊ณ  ํ”„๋กœ๋•ํŠธ๋ฅผ ๋งŒ๋“ค์–ด ๊ฐˆ ์ˆ˜ ์žˆ์œผ์‹  ๋ถ„๋ถ„์‚ฐ ์ปดํ“จํŒ… ํ™˜๊ฒฝ์—์„œ ๋™์‹œ์„ฑ ๋ฌธ์ œ์™€ ๋Œ€๊ทœ๋ชจ ํŠธ๋ž˜ํ”ฝ ์ฒ˜๋ฆฌ์— ๋Œ€ํ•œ ์ดํ•ด๊ฐ€ ์žˆ์œผ์‹  ๋ถ„๊ธˆ์œต ๋ฐ ํ•€ํ…Œํฌ ์„œ๋น„์Šค์— ๋Œ€ํ•œ ๊ฒฝํ—˜์ด ์žˆ์œผ์‹  ๋ถ„์ด๋Ÿฐ ๊ธฐ์ˆ ์„ ์‚ฌ์šฉํ•ด์š” Kotlin, Spring Boot, Spring Batch, JPA, HTTP, gRPC, GraphQL, NettyMySQL, Redis, Kafka, Central Dogma, Apache FlinkGrafana, Sentry, DatadogAWS, Kubernetes, Argo CD, Argo Workflow, Github Actions์ฐธ๊ณ ํ•ด ์ฃผ์„ธ์š” ์ •๊ทœ์ง ์ฑ„์šฉ์˜ ๊ฒฝ์šฐ 3๊ฐœ์›”์˜ ์ˆ˜์Šต๊ธฐ๊ฐ„์ด ์žˆ์–ด์š”โ€˜์žฅ์• ์ธ๊ณ ์šฉ์ด‰์ง„ ๋ฐ ์ง์—…์žฌํ™œ๋ฒ•โ€™, โ€˜๊ตญ๊ฐ€์œ ๊ณต์ž ๋“ฑ ์˜ˆ์šฐ ๋ฐ ์ง€์›์— ๊ด€ํ•œ ๋ฒ•๋ฅ โ€™์— ๋”ฐ๋ผ ์žฅ์• ์ธ ๋ฐ ๋ณดํ›ˆ๋Œ€์ƒ์ž๋Š” ์ฑ„์šฉ ์ „ํ˜• ์‹œ ์šฐ๋Œ€ํ•˜๊ณ  ์žˆ์–ด์š”๋‹น๊ทผํŽ˜์ด๋Š” ๋‹น๊ทผ๋งˆ์ผ“์˜ ์žํšŒ์‚ฌ๋กœ, ์ฑ„์šฉ์‹œ ๋‹น๊ทผํŽ˜์ด ์†Œ์†์œผ๋กœ ์ฑ„์šฉ๋ผ์š”. ๊ทผ๋ฌด ์กฐ๊ฑด ๋ฐ ๋ณต์ง€๋Š” ๋‹น๊ทผ๋งˆ์ผ“๊ณผ ๋™์ผํ•ด์š”์ง๋ฌด ์ธํ„ฐ๋ทฐ ๋‹จ๊ณ„์— ๋”ฐ๋ผ ์‹œ์Šคํ…œ ๋””์ž์ธ ์ธํ„ฐ๋ทฐ๋ฅผ ์ง„ํ–‰ํ•ด์š”์ด ํฌ์ง€์…˜์€ ์‚ฐ์—…๊ธฐ๋Šฅ์š”์›์œผ๋กœ ์ฑ„์šฉ์ด ๊ฐ€๋Šฅํ•œ ํฌ์ง€์…˜์ด์—์š”. (ํ˜„์—ญ ์ „์ง, ๋ณด์ถฉ์—ญ ์‹ ๊ทœ ํŽธ์ž…, ๋ณด์ถฉ์—ญ ์ „์ง)์ด๋ ‡๊ฒŒ ํ•ฉ๋ฅ˜ํ•ด์š” 1. ์„œ๋ฅ˜ ์ „ํ˜• โ†’ 2. ํ™”์ƒ ์ธํ„ฐ๋ทฐ โ†’ 3. ์ง๋ฌด ์ธํ„ฐ๋ทฐ โ†’ 4. ์ปฌ์ฒ˜ํ• ์ธํ„ฐ๋ทฐ ๋ฐ ๋ ˆํผ๋Ÿฐ์Šค ์ฒดํฌ โ†’ 5. ์ฒ˜์šฐํ˜‘์˜ โ†’ 6. ์ตœ์ข… ํ•ฉ๊ฒฉ ๋ฐ ์ž…์‚ฌ