• Proceedings of the Korea Society for Industrial Systems Conference
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• 2003.11a
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• pp.167-172
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• 2003

무선 인터넷 서비스는 디지털화된 정보 및 컨텐츠를 유무선 네트워크를 이용하여 최종 사용자의 핸드폰 또는 PDA와 같은 이동 단말기에 제공하는 서비스라고 정의할 수 있다. 본 논문에서는 이러한 무선 인터넷 기술과 은행업무를 분석하여 모바일 뱅킹시스템을 설계 및 구현하였고, 특히 가상계좌 개념을 이용하여 무선 인터넷 환경에서의 실제적으로 응용 가능한 P2P 뱅킹 시스템에서의 최적 솔루션 모듈을 설계 및 구현하였다.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.22 no.5
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• pp.812-817
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• 2018

Blockchain technology removes the central system and connects each block throughout every person. This paper proposes new method to exploit the blockchain feature to apply existing donation system. In the current system, the donator does not donate to poor neighbor which means donator must have to donate some donate organization. The donator does not recognize how the donation has been spent after donation. In this case, we can solve that problem by using the blockchain where the donator can watch how the money works and everyone can browse the account history. To make a virtual fundraising box based on blockchain technology, donator sends some money at virtual account and exchanges the money to crypto-currency. Donator can use crypto-currency which is donate to poor neighbor that poor neighbor can exchanges crypto-currency to the money. Through this proposed system, the donation is managed by secure and transparent blockchain system.

• Proceedings of the Korea Institutes of Information Security and Cryptology Conference
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• 1998.12a
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• pp.201-210
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• 1998

전자상거래의 활성화를 위한 전자지불시스템은 보안성과 통용성의 양면을 만족해야한다. 현재 서비스중인 전자현금이나 전자화폐는 디지털정보가 직접 화폐가치를 지니고 있기 때문에 인터넷에서 분실시 복구가 불가능하다. 또한 전자수표나 가상은행을 이용한 계좌이체방식은 인터넷 통용성이 약하며, 신용카드를 이용한 전자지불시스템은 통용성은 양호하나 신용카드번호 노출의 위험이 있고 수수료 등 트랜잭션 비용이 소요되므로 소액지불에는 불리하다. 전자지불시스템의 활성화를 위해서는 신용카드와 같이 휴대 가능하고 실세계에서의 통용성이 우수한 시스템이어야 하며, 직접 지불이 가능하고 소액지불도 가능한 체계이어야 한다. 본 논문에서는 제안하는 새로운 지불시스템 "스마트-Pay"는 모든 사람들이 은행을 사용하고 있다는 점을 착안하여 은행계좌기반이면서 실세계 및 인터넷에서 직접지불이 가능하도록 설계한 것이다. 본 지불시스템의 안전도는 발행기관, 은행, 고객으로 이어지는 인증사슬에 의한 강력한 인증과 스마트카드에 의한 전자서명에 의존하며 기밀성, 무결성, 부인봉쇄를 제공하므로 안전하다고 평가된다.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.20 no.3
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• pp.9-21
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• 2010

Recently, famous online shopping websites were hit by hacking attack, and many users' personal information such as ID, password, account number, personal number, credit card number etc. were compromised. Hackers are continuing to attack online shopping websites, and the number of victims of these hacking is increasing. Especially, the exposure of credit card numbers is dangerous, because hackers maliciously use disclosed card numbers to gain money. In 2007 Financial Cryptography Conference, Ian Molly et al. firstly proposed dynamic card number generator, but it doesn't meet reuse resistant. In this paper, we analyzed security weaknesses of Ian Molly's scheme, and we proposed a new one-time virtual card number generator using a mobile device which meets security requirements of one-time virtual card numbers. Then, we propose one-time credit card number generation and transaction protocol using Integrated Authentication Center for user convenience and security enhancement.

• Journal of the Korea Society of Computer and Information
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• v.28 no.11
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• pp.113-123
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• 2023

This paper introduces the Cherry system, a user-independent blockchain donation system. This is a procedure that is delivered to the beneficiary's bank account through a virtual account when a donor makes a donation, so there is no difference from the existing donation delivery method from the user's point of view However, within the blockchain, Cherry Points, a virtual currency based on the user ID, are issued and delivered to the beneficiary, while all transactions and the beneficiary's usage history are managed on the blockchain. By adopting this method, there was an improvement in blockchain performance, with transaction processing exceeding 1,000 TPS in typical transaction condition and service completion within 21.3 seconds. By applying the automatic influence control algorithm to this system, the influence according to stake, which is an individual donation, is greatly reduced to 0.3 after 2 months, thereby concentrating influence could be controlled automatically. In addition, it was designed to enable micro tracking by adding a tracking function by timestamp to the donation ledger for each individual ID, which greatly improved the transparency in the use of donations. From a service perspective, existing blockchain donation systems were handled as limited donation delivery methods. Since it is a direct service in a user-independent method, convenience has been greatly improved by delivering donations in various forms.

• Information Systems Review
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• v.14 no.3
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• pp.75-97
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• 2012

Fostering trusting belief in financial transactions is a challenging task in Internet banking services. Authenticated Certificate had been regarded as an effective method to guarantee the trusting belief for online transactions. However, previous research claimed that this method has some loopholes for such abusers as hackers, who intend to attack the financial accounts of innocent transactors in Internet. Two types of methods have been suggested as alternatives for securing user identification and activity in online financial services. Control transparency uses information over the transaction process to verify and to control the transactions. Outcome feedback, which refers to the specific information about exchange outcomes, provides information over final transaction results. By using these two methods, financial service providers can send signals to involved parties about the robustness of their security mechanisms. These two methods-control transparency and outcome feedback-have been widely used in the IS field to enhance the quality of IS services. In this research, we intend to verify that these two methods can also be used to reduce risks and to increase the security protections in online banking services. The purpose of this paper is to empirically test the effects of the control transparency and the outcome feedback on the risk perceptions in Internet banking services. Our assumption is that these two methods-control transparency and outcome feedback-can reduce perceived risks involved with online financial transactions, while increasing perceived trust over financial service providers. These changes in user attitudes can increase the level of user satisfactions, which may lead to the increased user loyalty as well as users' willingness to pay for the financial transactions. Previous research in IS suggested that the increased level of transparency on the process and the result of transactions can enhance the information quality and decision quality of IS users. Transparency helps IS users to acquire the information needed to control the transaction counterpart and thus to complete transaction successfully. It is also argued that transparency can reduce the perceived transaction risks in IS usage. Many IS researchers also argued that the trust can be generated by the institutional mechanisms. Trusting belief refers to the truster's belief for the trustee to have attributes for being beneficial to the truster. Institution-based trust plays an important role to enhance the probability of achieving a successful outcome. When a transactor regards the conditions crucial for the transaction success, he or she considers the condition providers as trustful, and thus eventually trust the others involved with such condition providers. In this process, transparency helps the transactor complete the transaction successfully. Through the investigation of these studies, we expect that the control transparency and outcome feedback can reduce the risk perception on transaction and enhance the trust with the service provider. Based on a theoretical framework of transparency and institution-based trust, we propose and test a research model by evaluating research hypotheses. We have conducted a laboratory experiment in order to validate our research model. Since the transparency artifact(control transparency and outcome feedback) is not yet adopted in online banking services, the general survey method could not be employed to verify our research model. We collected data from 138 experiment subjects who had experiences with online banking services. PLS is used to analyze the experiment data. The measurement model confirms that our data set has appropriate convergent and discriminant validity. The results of testing the structural model indicate that control transparency significantly enhances the trust and significantly reduces the risk perception of online banking users. The result also suggested that the outcome feedback significantly enhances the trust of users. We have found that the reduced risk and the increased trust level significantly improve the level of service satisfaction. The increased satisfaction finally leads to the increased loyalty and willingness to pay for the financial services.