• TTA Journal
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• s.162
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• pp.56-57
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• 2015

최근 생체 인증(Biometrics) 기술이 모바일 핀테크(Fin-TECH)와 결합하면서 '화려한 부활'을 꿈꾸고 있다. 출입 통제, 근태 관리 등 일부 특수 보안 용도에 머물던 생체 인증이 모바일 결제의 새로운 본인인증 서비스로 잇따라 채택되면서 대중화의 물꼬를 트기 시작한 것. 생체 인증은 사람마다 고유한 신체적 특징을 '암호'로 사용해 개인을 인증하는 기술이다. '생체 인식'으로 불리기도 한다. 이제 지문을 넘어 홍채, 손 모양, 혈관 구조, 얼굴, 목소리, 심박 수, 뇌파 등 다양해지고 있는 추세다.

• Informatization Policy
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• v.28 no.1
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• pp.22-42
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• 2021

The purpose of this study is to investigate the effects of privacy concerns on the use of mobile payment services. In particular, paying attention to the multidimensionality of consumer innovation, we analyzed the effects of hierarchical logistic regression by gender. The results show that there is a positive (+) relationship for hedonic innovativeness regardless of gender, and that there is a negative (-) relationship for functional innovativeness overall and in the female group. In all groups regardless of gender, a positive (+) relationship was found for the hedonic innovativeness, and one negative (-) relationship was found in the functional innovativeness overall group and the female group. Second, in the male group, there is a moderating effect of privacy concerns and functional innovativeness. This suggests that the relationship between privacy concerns and the usage of mobile payment services may vary depending on functional innovativeness. This study is useful in that it can explain and predict consumers' patterns of use of new technology-based services in various and balanced ways by taking privacy concerns and multidimensional consumer innovation into consideration. In addition, it suggests that mobile payment companies should make efforts to ensure that their services are secure, useful, and fun to use so that consumers can feel confident using the services in various situations.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.22 no.6
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• pp.881-887
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• 2018

Various services using smart phones are being provided, and a variety of services are also provided in payment fields. Since the mobile payment services is closely related to the monetary part, various characteristics of the mobile system have a close relation with use trust. In this study, accessibility, compatibility, and security were selected as important factors in the mobile payment systems. We will examine how these system factors affect users' cognitive trust, emotional responses such as positive emotions and satisfaction. We surveyed users of mobile payment systems to achieve our research purposes. SPSS 23 and SmartPLS 2.0 were used for the analysis. The results showed that all system factors influenced cognitive trust and emotional response. However, positive emotions did not affect satisfaction. However, when we examine the relationship between emotional responses, positive emotions do not affect satisfaction.

• Review of Korea Contents Association
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• v.16 no.2
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• pp.14-19
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• 2018

• Proceedings of the Korean Society of Computer Information Conference
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• 2015.01a
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• pp.325-328
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• 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
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• 2015.04a
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• pp.466-467
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• 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
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• v.13 no.8
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• pp.331-336
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• 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
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• v.17 no.11
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• pp.525-532
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• 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.

• Journal of the Korean Society for information Management
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• v.38 no.3
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• pp.101-140
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• 2021

As the payment service sector actively embraces artificial intelligence technology, "Voice Payments" is becoming a trend in contactless payment services. Voice payment services can execute payments faster and more intuitively through "voice," the most natural means of communication for humans. In this study, we selected richness, intimacy, and autonomy as factors for building trust with artificial intelligence agents. We wanted to determine whether the trust will be formed if the factors were applied to the voice payment services. The experiment results showed that the higher the richness and autonomy of the voice payment interface and the lower the intimacy, the higher the trust. In addition, the two-way interaction effects of richness and autonomy were significant. We analyzed and synthesized the collected short-answer system to identify users' anxiety when using voice payment services and proposed speech interface design ideas to increase their trust in the voice payment.

• Proceedings of the Korea Information Processing Society Conference
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• 2022.05a
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• pp.734-738
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• 2022

코로나 시대에서의 비접촉 기조 확산으로 인해서, 전자상거래 업계는 ux/ui를 보다 소비자친화적으로 변화시킴으로써 성장을 도모하고 있다. 전자상거래 시장은 몇년간 엄청난 성장을 거듭해왔고, 혁신에 혁신을 거듭하여 간편결제의 보편화를 이끌었다. 하지만 현재 IT업계에서는 loger4j 그리고 크로니움 브라우저 관련 제로데이 공격이 만연한 만큼, 보안에 대한 관심도가 높아진 상태이다. 전자상거래 상에서의 간편결제에서 보안이슈는 돈과 직결된 이슈이며, 그렇기 때문에 단순히 그의 UX/UI를 사용자 편의성 측면에서만 보아야하는가에 대해서 많은 의견이 있으며, 이는 이미 업계의 화두이다. 따라서 우리는 업계의 현황에 대해서 알아보면서, 사회적으로 이를 어떻게 바라보는지 그리고 이 이슈는 왜 어떻게 발생했고, 쉽게 해결될 수 없는지에 대해서 알아본다.