• The Journal of the Institute of Internet, Broadcasting and Communication
• /
• v.16 no.2
• /
• pp.1-8
• /
• 2016

A convergence of finance and information technology brought a remarkable development in Fin-Tech industry. On the other hand, currently existing laws seemed inappropriate to address the liability of financial institutions, Fin-tech enterprises and consumers in case of financial accidents due to its ambiguity. The minimum insurance obligation by financial institutions specified under the Electronic Financial Transaction Act 2006 is not keeping with current reality, considering transaction volume, frequency of incidents, and security investments. This paper aims to lay stress on the need of cyber liability insurance by understanding the domestic financial incidents and management, and the limit of existing insurance policy.

• Journal of the Korea Institute of Information and Communication Engineering
• /
• v.26 no.8
• /
• pp.1158-1164
• /
• 2022

In this study, the emotional reaction process and the cognitive reaction process were divided into the process of building trust in order to form a continuous use intention in the process of using the mobile simple payment system. We examined the process by which various external factors generate continuous use intentions, that is, behavioral responses through the process of each reaction. External factors were divided into social factors, systemic factors, and social factors. Among them, system factors were social norms and images, and systemic factors were simplicity and accessibility. And the social factors consisted of security and compatibility. And the emotional response was set as pleasure and emotional trust, the cognitive response was cognitive trust, and the final dependent variable was set as continuous use intention. A survey was conducted for model analysis, and the analysis results were derived using PLS.

• Proceedings of the Korean Society of Computer Information Conference
• /
• 2015.01a
• /
• pp.325-328
• /
• 2015

NFC란 Near Field Communication의 약자로, 양방향 통신을 지원하는 근거리 통신 방법으로, 저전력, 사용의 편이성 등이 새롭게 각광받고 있는 차세대 통신수단이다. 본 논문에서는 기존의 바코드와 유사한 QR코드와 NFC를 모두 이용하는 모바일 환경에서의 소셜 커머스 결제 시스템을 제안한다. NFC를 사용하여 결제하는 제안된 방식이 기존의 결제 방식에 비하여 간편하고 편의성이 증대됨을 보인다.

• Proceedings of the Korea Information Processing Society Conference
• /
• 2015.04a
• /
• pp.466-467
• /
• 2015

ICT 기술의 발달과 활용이 급속하게 증가하고 있는 상황에서 서비스와 시스템의 융합이 활발히 진행되고 있는 가운데 시간과 장소에 구애 받지 않고 스마트 폰을 이용하여 간편하게 이루어질 수 있는 결제시스템 방식에 관심이 늘어나고 있는 것에 대하여 여러 가지 IT기술들이 접목되어 시장에 나타나고 있다. 최근 주목받고 있는 기술로 BLE(Bluetooth Low Energy)기반인 비콘이 있다. BLE 비콘은 에너지 소모율이 적은 것이 가장 큰 특징이며 자동으로 사용자의 위치를 파악하고 서비스를 제공할 수 있다. 비콘이 스마트폰 결제 시스템에 새로운 방식이며 혁신의 바람을 불러온 것은 사실이지만, 비콘 관련 연구 및 개발에서 블루투스 신호를 사용한다는 점을 바탕으로 거리의 정확도의 미흡함과 통신 도달범위가 크다는 것을 관련하여 보안의 위험성을 가지고 있다는 점이 문제로 지적된다. 본 논문에서는 BLE 비콘 결제의 전반적인 시스템을 분석하고 보안의 취약함을 도출하여 그에 따른 요구사항을 연구함으로써 결제시스템의 보안 취약점을 최소화 할 수 있는 대응방안을 제안한다.

• Journal of Digital Convergence
• /
• v.13 no.8
• /
• pp.331-336
• /
• 2015

Lately, the development and utilization of technology of the Internet of Things(IoT), and Fintech have been on the rise and amid the emerging convergence of system and service, mobile payment system and location based service technology have received much attention. Considering the fact that smartphone users are currently utilizing mobile payment frequently, many corporations are introducing various methods to the market for easy payment process of consumers by grafting various technologies, and by utilizing the technology based on BLE technology and location based technology, it is emerging as new method applied to payment service such as ZEP, for easy payment process. And by checking the existence of security threats and studying the attack techniques in these payment services, we strive to suggest a method of response based on big data platform.

• The Journal of the Korea Contents Association
• /
• v.17 no.11
• /
• pp.525-532
• /
• 2017

The purpose of this study is to investigate the effect of mobile payment service quality(system quality, service quality) on the formation of trust(cognitive trust, affective trust) and the effect of trust on satisfaction. In addition, we examined gender differences in the process of trust affecting satisfaction. The 188 sets of data collected, those were tested against the model using PLS. The results showed that system quality affected cognitive trust, service quality affected cognitive trust and affective trust, and both cognitive trust and emotional trust had an effect on satisfaction. In addition, the influence of cognitive trust on satisfaction was stronger for males, and affective trust had more influence on satisfaction for females.

• Korean Management Science Review
• /
• v.33 no.1
• /
• pp.59-75
• /
• 2016

The domestic simple payment service was not activated yet compared to foreign countries and there are many things to complement in the legal, institutional, and technical aspects. The future image of the domestic electronic payment propulsion was considered by the scenario planning focusing on the simple payment. Total 6 future scenarios were drawn through the scenario planning, and 3 major strategy directions for attaining the preferred future scenario were drawn. This study drew a meaningful scenario through various analyses and industry specialist questionnaire about the future of the simple payment service which will be a crucial change of the domestic electronic payment under the uncertain future situation, and suggested an implication for the government and every interested party who provides the industrial service to prepare for the future.

• Journal of the Korea Academia-Industrial cooperation Society
• /
• v.22 no.6
• /
• pp.514-523
• /
• 2021

Recently, the proliferation of mobile simple payment services has been increasingly affecting people's lives. In addition, the increase in research from both China and Korea shows that the continuous development of simple mobile payment services will be very important in the future. The blog posts mentioning Kakao Pay and Alipay were collected, and keyword analysis was performed to investigate differences in consumers' responses to Kakao Pay and Alipay on social media. The frequency of keywords for each part of speech and the frequency of co-occurred words mentioned in one sentence were analyzed. Specifically, common words that appear in both Kakao Pay and Alipay blogs were extracted. The cooccurred words were analyzed to examine how different reactions were made on the same subject. As a result of the analysis, there were concerns among consumers about the trust of Kakao Pay and Alipay's benefits. For a mobile payment service to become competitive, it is necessary to add various additional services or solve security problems.

• Journal of Digital Convergence
• /
• v.19 no.9
• /
• pp.271-276
• /
• 2021

This study is about finding factors affecting user experience in China's mobile payment. The recen development of 5G networks and the spread of phones provide the basis for the development of mobile payment, and the development of mobile payment is showing a rapid upward trend. Because of the simplicity and mobility, it is appealing to people, especially young people. Therefore, this study conducted a survey on mobile payment users in 20s and 30s and confirmed the factors affecting the user experience through regression analysis. Unlike previous studies on mobile payment technology, this study focused on user experience and identified factors affecting user experience, so it is expected to be helpful in the development of mobile payment in China.

• Management & Information Systems Review
• /
• v.35 no.2
• /
• pp.167-183
• /
• 2016

This study has recognized easy payment service as one of the new types of application of information and communication technologies and proposed a modified acceptance intention model by adding perceived risk factor based on the unified theory of acceptance and use of technology(UTAUT) and then explored those variables that effect the acceptance intention of consumers. The results of this study can be summarized as the followings. First, expectation on the efforts, social impact have positive effect on the acceptance intention and perceived risk has negative effect on the acceptance intention but expectation on the efforts and promotion condition were found to have no effect on the acceptance intention. Second, among the factors suggested, social impact was found to have more effect of causing the acceptance intention of users than expectation on the efforts and perceived risk. Third, it was found that there is a significant association between the acceptance intention and use behavior of users of easy payment service. This means that, as was reviewed in the preceding researches, the acceptance intention affects actual acceptance behavior of users either directly or indirectly. Fourth, even though innovation resistance has regulation effect on the relationship between expectation on efforts or social impact and acceptance intention, it was found to have no regulation effect on the relationship between perceived risk and acceptance intention.