• The Journal of Information Technology
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• v.3 no.4
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• pp.23-40
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• 2000

Because the international trading community has witnessed a number of significant technical and commercial changes, documentary credit practices will quite clearly need to be updated to meet both the business and technical demands of the latest commercial and technical developments in international trade. The potential for developing "paperless credit" should, therefore, be examined. TradeCard is a B2B(business-to-business) e-commerce infrastructure that enables buyers and sellers to conduct and settle international trade transactions securely over the Internet and objective of TradeCard is to provide a secure, reliable cost-effective and user-friendly solution for conducting and settling international trade transactions. This paper analyzes the reviews of TradeCard by Electronic Message and the various problems which come to application of TradeCard, with particular attention to existing international frameworks for Payment systems based on Documentary Credit.ry Credit.

• Proceedings of the Korea Contents Association Conference
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• 2006.05a
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• pp.227-230
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• 2006

Resources on knowledge and information has been acknowledge as national competitiveness in Knowledge-based Information Society. For systematic digitalization, consistent management and application of such resources of a nation, necessity for charging for knowledge-based information resources has been frequently raised. This study has suggested appropriate ways for charging for information and knowledge resources in science and technology and has established charging system by deducing reasonable charging method, information usage fees and payment method for chargeable databases.

• Proceedings of the Korea Information Processing Society Conference
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• 2003.05b
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• pp.767-770
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• 2003

현재 사용되고 있는 ETCS(Electronic Toll Collection Services)는 충전식의 스마트 카드와 카드리더를 이용하여 필요한 정보를 읽음으로 인증 및 과금 결제를 처리하는 방식이다. 혀 방식은 스마트 카드 규격이 다양하여 사용자는 각 규격에 맞는 카드리더를 사용해야 한다. 게다가 충전식이기 때문에 매번 충전해야하는 불편함이 있다. 본 논문에서는 현 ETC(Electronic Toll Collection)시스템의 단점을 극복하고자 스마트 카드 대신 휴대폰과 WAP(Wireless Application Protocol) 서버를 사용하여 통행료 자동징수 시스템을 설계한다. 또한 휴대폰을 사용함으로써 ITS(Intelligent Transfer Service) 시스템과 별도로 지역적인 인증이 가능하여 인중절차를 간소화시킬 수 있으며, ITS 시스템의 부하를 줄일 수 있기 때문에 ETC시스템 처리속도 또한 증가시킬 수 있다.

• Proceedings of the Korea Information Processing Society Conference
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• 2001.04b
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• pp.817-820
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• 2001

본 논문에서는 자바 모바일 플랫폼을 기반으로 하는 M-Commerce 보안 플랫폼을 검토하고, J2ME 기반 CLDC와 MIDP를 이용해서 M-Commerce 전자지불을 위한 휴대용 전자지갑 구현방안을 제시한다. 본 논문에서 제안한 방안은 무선 인터넷 환경에서 신용카드 결제 방식으로 지불할 경우 관련 중요 정보를 안전하게 전송하고, 대금 결제를 할 수 있도록 한다. 그리고, 무선인터넷 응용프로토콜 WAP 방식의 보안을 고려한 WTLS 보안 메커니즘을 이용하고, J2ME 기술을 기반으로 하기 때문에 향후 IMT2000에서도 사용 가능하다.

• Review of KIISC
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• v.25 no.3
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• pp.66-76
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• 2015

최근 카드사 정보 유출과 더불어 유출된 개인정보를 악용한 범죄가 빈번하게 일어남에 따라 정보보호에 대한 관심과 중요성이 높아지고 있다. 국내 스마트폰 가입자 수도 4100만 명을 넘어가면서 모바일 보안에 대한 중요성 역시 강조되고 있는 가운데 지문, 홍채, 얼굴, 목소리, 눈동자 등 개개인의 고유 정보를 이용하여 인증하는 바이오 인식 기술이 주목을 받고 있다. 최근 휴대폰 제조업체들도 스마트폰 기기 내에 바이오 인식 기술을 탑재하여 기존의 인증 방식인 잠금 패턴이나 PIN 방식보다 강화된 보안성을 제공하고 있다. 또한 모바일 결제 서비스 이용 증가에 따라 바이오 인식 결제 서비스를 제공.이용할 수 있어 그 활용성은 매우 클 것으로 전망된다. 하지만 바이오 데이터의 안전한 처리 문제, 바이오 인식 서비스의 부족 등과 같은 문제점이 따르는 실정이다. 본고에서는 바이오 인식 기술의 적용 현황 및 국내외 동향을 살펴보고 바이오 인식 시장의 문제점 분석과 이에 따른 개선 방향에 대해서 연구한다.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.26 no.3
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• pp.563-572
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• 2016

Recently, a plenty of credit card payment protocols have been proposed in Korea. Several features of proposed protocols include: using passwords for user authentication in stead of official certificate for authenticity, and no need to download additional security module via ActiveX into user's devices. In this paper, we suggest two new credit card payment protocols that use both SSL(Security Socket Layer) as a standardized secure transaction protocol and password authentication to perform online shopping and payment. The first one is for the case where online shopping mall is different from PG(Payment Gateway) and can be compared to PayPal-based payment methods, and the second one is for the case where online shopping mall is the same as PG and thus can be compared to Amazon-like methods. Two proposed protocols do not require users to perform any pre-registration process which is separate from an underlying shopping process, instead users can perform both shopping and payment into a single process in a convenient way. Also, users are asked to input a distinct payment password, which increases the level of security in the payment protocols. We believe that two proposed protocols can help readers to better understand the recent payment protocols that are suggested by various vendors, and to analyze the security of their payment protocols.

• Journal of the Korea Convergence Society
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• v.12 no.11
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• pp.53-67
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• 2021

According to statistics, the number of mobile payment users in China shows an increasing trend year by year. However, less than half of people over 60 years old use mobile payment. The purpose of this study is to explore the reasons for the low usage rate of mobile payment platforms among the elderly in China. Through literature research, questionnaires and interviews, the author found that the main obstacle for the elderly in China to use mobile payment platforms is acceptance barrier. Then, the user experience research method and technology acceptance model (TAM) were combined to construct a new research model and five hypotheses affecting acceptance behavior in the model were summarized. Finally, the Analysis of Covariance(ANCOVA) was used to test the hypotheses and found that satisfaction (SA), perceived usefulness (PU) and job relevance (JR) had significant coefficients of 0.001, 0.000 and 0.004 respectively, all of which were less than 0.05 and therefore had a significant effect on acceptability. The other two elements, perceived ease of use (PE) and self-efficacy (SE), did not have a significant effect on acceptability. Ultimately, a new user experience acceptability model was constructed to provide theoretical support for mobile payment platform developers and designers to develop products from the acceptability perspective, so as to develop more mobile payment methods suitable for elderly users and improve the acceptance of mobile payment by the elderly.

• 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.

• Smart Media Journal
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• v.6 no.3
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• pp.29-40
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• 2017

Lately weight for smartphone mounted to function for NFC is increasing, rapidly. Because of this, NFC related technology is made by many companies. We developed Gallery-Auction for security enhancements and new services of NFC-based 2 factor electronic payment system. Enhanced security features development of user authentication module through fingerprint recognition to apply FIDO authentication technology and developed electronic contract voice service of Gallery-Auction using TTS(Text to Speech). Therefore we enhanced convenient and simple authentication method and security through NFC mobile electronic payment.

• 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.