Opening a bank account

Jessie has activated her mobile phone service with Su-hyeon's help, but faces another Korean puzzle: opening a bank account. A bank account makes life in Korea easier through check cards and internet banking, but Jessie needs to understand how to use a one-time password (OTP) or security certificate to protect herself while doing online transactions. Jessie: Hey, Su-hyeon. I finally got my alien registration card (ARC). I think I look nice in this photo.
Su-hyeon: Congratulations. That'll make your life easier in Korea.
Jessie: Yeah, I was thinking that the first thing I should do is to open a bank account. I'm running out of the cash I exchanged before I came here. I need it badly.
Su-hyeon: Banks close at 4 p.m. so let's hurry.
Su-hyeon: Get a ticket number and wait. Wow, we're next!
Teller: Good afternoon. How may I help you today?
Jessie: Hi, I'd like to open an account.
Teller: What kind of ID do you have?
Jessie: An ARC.
Teller: If you have an ARC, you also qualify for internet banking and debit or check cards. Let's first open your account. Please fill out these forms.
Su-hyeon: Piece of cake, isn't it?
Jessie: So far, so good. All done.

Teller: OK. Please enter a four-digit PIN in the machine in front of you. Make sure you don't use an easily guessable number like your birth date or ID number for the sake of security.
Teller: Now, please fill out this internet banking form. To conduct internet banking, you need either a security card or OTP card. Which do you prefer?
Jessie: Sorry, but what's an OTP card?
Teller: OTP is the abbreviation for one-time password. It's a security device that provides a security code needed to access internet banking, but you can also use a security card. But OTP provides stronger security because the device creates a new number every time its button is pressed.

Jessie: Wow, I've never seen anything like this. I really don't get why you need it though.
Su-hyeon: In Korea, multiple processes are needed to use internet banking. Public key certificates and security devices are musts. Nowadays, fingerprints or biometric identification system are being used in some cases, but they're not yet available to foreigners.
Jessie: You lost me again. What's a public key certificate?
Teller: For online transactions, the bank needs a way to verify the user. So the public key certificate is a digital security device for that purpose. Jessie: OK, this is complicated but I'm getting there. I'll use OTP to be more secure.
Teller: Sure. Here's a copy of your application and OTP card. Go to our website to get your public key certificate issued, and you can start internet banking afterward.
Jessie: Phew! There's so many requirements for internet banking here.
Teller: Don't forget that you should never show your OTP or security card to others. If lost, please report it to the bank immediately.
Su-hyeon: OK. And Jessie, you also need to get a check card.
Jessie: Ah yes, I totally forgot about that. Please make me a check card, too.
Teller: Please sign the back of your card before using it.

Jessie: Wow, I heard so many new Korean words today. It gave me a headache.