• Information Systems Review
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• v.23 no.4
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• pp.1-22
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• 2021

In the newly encountered economy caused by the Corona virus Disease-19, remote transaction becomes a new normal that disrupt traditional economic order. In the middle of the disruption, mobile tech is placed and remote finance on mobile is highly noticed and considered as an infra-tech to support the new ecology, In mobile finance. remote payment is becoming the most common service and personal identification on it is critical to operate the new service. There are various means of remotely identifying a person. Recently the use of biometric information is increasing. In this study, a correlation analysis was conducted on factors that effects to biometrics usage and the intention to use in remote personal identification. Variables for critical factor in the remote identification were classified into 4 groups such as Performance expectancy, Effort expectancy, Social influence, and Security. The empirical analysis based on the Unified Theory of Acceptance and Use of Technology (UTAUT) was conducted. The relationship between variables and the intention to use is also analyzed. In the study, stepwise regression analysis was conducted four times in which variables were adjusted in individual stage. As a result, the analysis suggests that performance expectancy, effort expectancy, social influence, security have positive effects for intention to use. Additionally, effort expectancy and security have moderating effects to intention to use depends on biometric authentication experience. The analysis has shown positive effect of variables grouped on the intention to use them. It also suggests that the intention to use biometric authentication will quickly grow. This study is expected to make a contribution to utilize and improve the use of biometric information in mobile payment.

• Journal of Families and Better Life
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• v.34 no.4
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• pp.139-156
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• 2016

This study uses S-O-R framework to examine the relationships among consumers' perception of economic benefits, usefulness, privacy risks, switching cost, and emotions and continued intention usage. Results from an online survey of 324 qualified respondents were analyzed using the structural equation model. The results of the survey showed that first, perceived economic benefits and perceived usefulness has a positively effect on consumers' positive emotions. Second, perceived privacy risks have a negative effect on consumers' positive emotions. Third, perceived usefulness has a negative effect on consumers' negative emotions. Fourth, perceived switching cost has a positive effect on consumers' negative emotions. Fifth, consumers' positive and negative emotions have an effect on continuous usage intention. Sixth, consumers' positive and negative emotions have a mediating effect. The S-O-R model can explain consumer's continued intention to use mobile payment services. The study analyzed the emotional elements of mobile payment services. Emotional elements through mobile payment services can be applied to other financial services. Therefore, this study can guide emotional related practices with various future consumer electronic services.

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

• KIPS Transactions on Computer and Communication Systems
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• v.7 no.3
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• pp.73-80
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• 2018

Due to the popularity of smartphones and the simplification of financial services, the number of mobile financial services is increasing. However, the security keypads developed for existing financial services are susceptible to probability analysis attacks and have security vulnerabilities. In this paper, we propose and implement a security keypad based on dual touch. Prior to the proposal, we examined the existing types of security keypads used in the mobile banking and mobile payment systems of Korean mobile financial businesses and analyzed the vulnerabilities. In addition, we compared the security of the proposed dual touch keypad as well as existing keypads using the authentication framework and the existing keypad attack types (Brute Force Attack, Smudge Attack, Key Logging Attack, and Shoulder Surfing Attack, Joseph Bonneau). Based on the results, we can confirm that the proposed security keypad with dual touch presented in this paper shows a high level of security. The security keypad with dual touch can provide more secure financial services, and it can be applied to other mobile services to enhance their security.

• The Journal of Information Systems
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• v.28 no.2
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• pp.181-200
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• 2019

Purpose In order to find out the influential factors to accept the mobile convenient payment service like Apple pay or Samsung Pay based on the Unified Theory of Acceptance and Use of Technology according to the type of High and Low value payments. Design/methodology/approach This research model is designed on the factors of Unified Theory of Acceptance and Use of Technology and simultaneously analysed, or performed the empirical analysis of the PLS-SEM(Partial Least Squares structural equation model) in order to forage for the association among mobile convenient payment service's features. Findings According to the empirical analysis consequence, this research confirmed that the adoption of mobile convenient payment services is influence by features on the basis of Unified Theory of Acceptance and Use of Technology, mobility, and trust. Also, this paper figure out that the behavior of an user acceptance of mobile convenient payment services according to the type of high and low value payments.

• Proceedings of the Korean Society of Computer Information Conference
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• 2024.01a
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• pp.301-302
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• 2024

본 논문은 웹 3.0 환경을 적용한 쇼핑몰 플랫폼의 구축을 목표로 하며, 이를 통해 참여자들이 블록체인 기술을 이해하고 활용할 수 있도록 하는 것을 중점으로 한다. MetaMask[1] 결제 및 로그인 통합을 통해 사용자는 간편하게 결제하거나 로그인할 수 있으며, 블록체인 스마트컨트랙트를 기반으로한 결제 시스템을 도입하여 높은 수준의 보안을 제공한다. 또한, 웹 3.0 기술을 도입하여 분산형 데이터 저장 방식을 채택하여 차별성을 확보한다. 이 프로젝트는 기존 쇼핑몰의 효율성을 높이고 사용자들에게 현대 기술 트렌드를 체험하게 함으로써 웹 3.0 시대에 걸맞은 차별화된 서비스를 제공하고자 한다.

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

• Proceedings of the Korea Information Processing Society Conference
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• 2018.10a
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• pp.331-332
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• 2018

최근 디지털 금융 기술의 발전에 따라 모바일 간편 결제가 보편화 되고 있다. 이러한 시대에 발맞추어 외식업체, 또는 대형 식품 프랜차이즈 기업들은 자체 모바일 결제 시스템을 도입하는 추세이다. 하지만 소규모 자영업자들은 기존 시스템과의 호환 및 비용 문제 등으로 새로운 시스템을 도입하기가 어려운 실정이다. 스마트 POS(Point of sales)를 표방하여 소규모 사업자를 대상으로 시장에 나온 몇 가지 제품이 있지만, 이 제품들은 별도의 애플리케이션을 매장과 고객의 모바일 기기에 설치해야 하므로 접근성이 떨어지는 단점이 있다. 이에 본 논문에서는 별도의 설치를 하지 않아도 이용이 가능한 Web 기반의 POS 시스템을 제안한다. 이 시스템으로 매장은 효율적인 매출 및 관리뿐만 아니라 고객과의 Interaction 또한 증가시킬 수 있다.

• Proceedings of the Korean Information Science Society Conference
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• 2012.06c
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• pp.251-253
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• 2012

최근 스마트폰에 탑재된 NFC를 통한 결제 서비스의 시장이 각광을 받고 있다. 사용자는 자신의 신용카드 정보와 같은 지불 수단을 스마트폰에 탑재된 NFC 장치에 기록하여 리더기에 그 정보를 보냄으로써 간편하게 결제를 할 수 있게 되었다. 하지만 무선 신호의 특성상 사용자의 정보가 외부로 노출될 가능성도 배제할 수 없으며, NFC 데이터를 읽는 리더기가 신뢰 가능한 리더기인지 알 수 없는 보안 취약성이 존재한다. 본 논문에서는 NFC를 통해 안전하게 데이터 통신을 할 수 있도록 정의된 NFC-SEC 표준에 대해서 살펴보고, NFC-SEC 프로토콜에서 피어 간의 상호 인증의 필요성에 대해서 말한다.

• Proceedings of the Korea Information Processing Society Conference
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• 2023.11a
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• pp.846-847
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• 2023

현재 유통/쇼핑 분야에서 다양한 결제방식이 사용되고 있다. 이 프로젝트는 소비자들이 계산대에서 장시간 대기하는 문제를 해결하고자 카트에 RFID 센서를 쇼핑카트 손잡이, 바구니 부분에 부착하여 바구니 부분의 RFID 센서는 비정상 루트 인식 상품을 확인하는 도난방지 시스템, 손잡이 부분의 RFID 태그는 정상 루트의 인식 상품을 확인하는 시스템과 무선통신을 활용하여 개발되었으며, 이를 통해 소비자의 피로감을 줄어 긍정적 효과를 가져올 것으로 예상된다. 특히, 스마트 카트를 통한 선결제는 소비자에게 더 빠르고 간편한 결제 경험을 제공하며 이로써, 고객 경험은 크게 개선될 것으로 예상되며, 매장의 경쟁력도 강화될 것이다. 또한, 종이 영수증의 사용량 감소를 통해 환경보호에도 기여할 것으로 예상된다.