IT환경하에서의 고령소비자 보호 – 소비생활과 금융거래시의 사전·사후적 보호방안 모색 -

As the population of elderly people grows more and more, the damage of elderly people due to various transactions increases. Among them, the damage is increasing in the consumer life and financial transactions using the Internet. For the elderly, the Internet is not only a means of communication through messengers, but is widely used as means of living and trading. In other words, the use of IT, including mobile, is expanding into online transactions such as instant messaging, e-mail, and information retrieval, and online transactions such as Internet banking and online securities transactions. However, the use of various services through IT provides an environment that is likely to become a target of fraud or cyber crime. For this reason, elderly people who are not proficient in information acquisition and IT use and physically and psychologically vulnerable are more likely to suffer damage. In addition, if the service of elderly people using IoT (Internet of Things) is increased in the future, it is expected that criminal fraud transactions that take personal information by using mobile phone short message and cause monetary damage will increase. On the other hand, there is a concern that the IT gap in the information accessibility and utilization of the elderly is likely to be disadvantageous. For this reason, policies for increasing the accessibility and utility of IT for the elderly are increasing. Given this, it is expected that IT will penetrate deeply into the consumption and transactions of the elderly. Given these changes, protection measures that take into account the characteristics of the elderly need to be organized and operated together. In recognition of this point, this article grasps the various damage situations surrounding the elderly on the premise of the IT use and transaction status of the elderly, and then divides the elderly person protection plan in advance and afterwards. As a total protection measure, it is necessary to ① present the concentrated statistics on the damage to IT transactions for elderly people, ② present a regular survey result, ③ have a counseling system for the elderly, ④ improve the literacy of elderly people, ⑤ educate IT. In the area of financial transaction, it should be provided (i) the provision of information appropriate for aging financial consumers; and (ii) the provision of information on financial consumer protection. (iii) Preventive measures against new fraud methods, (iv) Establishment of training and management system for the elderly with the help of who are specialized financial advisors. In the meantime, there are two ways to remedy the aftermath of damage: ① to provide a window for victims of damage to the elderly and damage control system; ② to strengthen the supervision and connection with the business supervision when counseling victims; ③It is necessary to consider the provision of prevention and restoration assistance in the special cases.