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An Empirical Study of Non-PG Based Mobile Payment Service  

Lee, Chanhee (KIS정보통신)
Bok, Joonghyo (KIS정보통신)
Publication Information
Convergence Security Journal / v.16, no.7, 2016 , pp. 13-19 More about this Journal
Abstract
Recently one of the main keywords representing of Korea is O2O The O2O market is an intersection of online commerce and offline commerce. The spread and popularization of smartphones transform payment market environment from online-based(PC) to mobile-based(Smartphone) which enable payment service expanses to on/off-line both markets. Due to this movement, data security is mo vulnerable than online-based payment service but the preference of serviceability, security threat becomes bigger.O2O service expansion is now at the stage of beginning with the limited influence, but could affect to the establishment of on/off line payment system of VAN and PG in the future. However, in the moment, the motivation to destruct the system is still weak. In this research, the possibility of Non-PG mobile payment service was suggested as a new way of mobile payment service by using PG. With suggestion, it could eliminate the issues of payment method beforehand and provide low fee to merchants.
Keywords
O2O; Fin-Tech; Payment; PG(Payment Gateway)/VAN(Value Added Network);
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