• Journal of the Korea Institute of Information Security & Cryptology
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• 제28권4호
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• pp.827-838
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• 2018

Since 2014, ease of regulations on financial institutions expanded the mobile payment market based on simple authentication, and this resulted in the emergence of various simple payment services. Although several security solutions have been used to mitigate possible security threats to payment applications, there are vulnerabilities which can still be found due to the structure in which the security solution is applied to the payment service. In this paper, we analyze the payment application and security solution from the process perspective, and prove through experimentation that verification functions of security solutions can be bypassed without detailed analysis of each security function, but by simply manipulating the verification result value. Finally, we propose methods to mitigate the bypass method presented in this paper from three different perspectives, and thereby contribute to the improvement of security level of the payment service.

• Journal of Industrial Convergence
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• 제20권1호
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• pp.43-51
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• 2022

The purpose of this study is to provide basic information necessary for the establishment of mobile service marketing strategies, educational service development, and engineering education for Generation Z by analyzing the utilitization of various applications by Gen Z. To this end, 177 essays on mobile service usage experience were collected, major topics were analyzed using topic modeling, and these were visualized through word cloud analysis. As a result of the study, the main topics were related to 'transportation' such as movement and public transportation, 'personal management' such as schedule management, financial management, food management, 'transaction' such as checkout, meeting, purchase, 'leisure' such as eating out, travel, study, culture. Additionally, words such as time, thought, people, life, bus, information, confirmation, payment, KakaoTalk, and so on were found to have a high of frequency of use. Also, there was found to be a difference between topics by college. This study is meaningful in that it collected essays, which are unstructured data, and analyzed them through topic modeling.

• Review of KIISC
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• 제21권7호
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• pp.30-37
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• 2011

보안 키패드는 사용자가 스마트폰을 이용하여 금융 거래를 할 때 사용자가 입력한 패스워드의 터치 좌표가 노출되더라도 키 값을 유추할 수 없도록 한 보안 애플리케이션이다. 하지만, 현재 상용화된 보안 키패드는 좌표값 노출에 따른 키값 노출을 막기 어려우며, 특히 휴리스틱 분석이나 사전 공격(dictionary attack)등에 취약한 문제가 있다. 본 논문에서는 현재 사용되는 보안 키패드의 취약점을 분석하고, 이러한 취약점을 해결하기 위한 몇 가지 개선 방안을 제안한다.

• Journal of the Korea Society of Computer and Information
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• 제25권12호
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• pp.279-291
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• 2020

It has already been a few years since the word Fintech in Korea started to attract attention. These days, they believed that Fintech was just a boom, but these days it is recognized as a catalyst for financial transformation. Large venture companies are also launching demonstration experiments by creating new organizations that can respond to Fintech. It feels like a big tide is coming to the cautious and conservative financial industry. Finance is made up of digital information. Fintech is an evolutionary process in which finance, expressed by digital information, is transformed into information technology (IT) and human economic activities are reorganized. It is FinTech. You won't be able to understand the real effects of Fintech by sticking to individual applications like remittance payments or household account book services. Fintech is an innovation that changes the structure of economic activity itself. In fact, it is from now on that a big impact will come. In other words, now is the time when we are thinking of a dream that we have not yet dreamed of. In this paper, I will examine how fintech originated, spread to Korea, and how it intends to change Korea's finance in the future. Financial institutions have used the fruits of information technology advances in the direction of pursuing stability and stability, without major changes in the way they work. However, the movement of Fintech that started in Silicon Valley in the United States shows that the fruit can be used in other directions. The fruit of technological progress is expected to expand year by year in the future. It is a request of the times to use it to improve user convenience and to pursue innovation that is beneficial to society. We expect the flow of Fintech to accelerate innovation in the Korean financial industry.

• Journal of Digital Convergence
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• 제19권8호
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• pp.301-310
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• 2021

The purpose of the study was to induce meaning of the UX design from users' interview. The study covers interviews from 20 untact finance application users in their twenties in written form. It aims to examine previous studies on UX design and to overcome their shortcomings by categorizing usability qualities focusing on verbs used in the interview. The followings are the result: Usability of UX design can be summarized into Unity, Trust, Persistency, Recognition and Approachability of the information to the 20 users in their twenties. As for the data earned from interviews focusing on verbs, usability included Security, Familiarity, Accessibility, Convenience of Operation and Visibility. Each of the qualities fell into related categories such as Security, Information, Brand and Design. In conclusion, analysis based on verb choices led to better understanding of the user-based experience compared to using objective means in previous studies and can be a suggestion to make up for errors in the former evaluation process.

• Industry Promotion Research
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• 제9권3호
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• pp.175-183
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• 2024

The purpose of this study is to derive a UX that can help the use of fintech applications by senior users in their 60s or older, which has naturally increased with the increase in the elderly population. The study extracted five factors commonly considered important in fintech applications and was conducted based on a survey of general users and in-depth interviews with senior users. The research factors were extracted through a literature review into three general user experience research factors and two senior user experience research factors. After a survey targeting general users, in-depth interviews were conducted with senior users. As a result, we found notable differences in concerns about responsiveness and perceived usefulness between general and senior users. Based on the characteristics derived from the results of this study, we designed UX to help senior users use fintech applications.

• Information Systems Review
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• 제21권2호
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• pp.117-137
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• 2019

In the Big Data era, data science has become popular with the production of numerous data in various domains, and the power of data has become a competitive power. There is a growing interest in unstructured data, which accounts for more than 80% of the world's data. Along with the everyday use of social media, most of the unstructured data is in the form of text data and plays an important role in various areas such as marketing, finance, and distribution. However, text mining using social media is difficult to access and difficult to use compared to data mining using numerical data. Thus, this study aims to develop Korean Natural Language Application (KoALA) as an integrated application for easy and handy social media text mining without relying on programming language or high-level hardware or solution. KoALA is a specialized application for social media text mining. It is an integrated application that can analyze both Korean and English. KoALA handles the entire process from data collection to preprocessing, analysis and visualization. This paper describes the process of designing, implementing, and applying KoALA applications using the design science methodology. Lastly, we will discuss practical use of KoALA through a block-chain business case. Through this paper, we hope to popularize social media text mining and utilize it for practical and academic use in various domains.

• KSCI Review
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• 제14권2호
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• pp.185-197
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• 2006

A star schema consists of a central fact table, which is surrounded by one or more dimension tables. Each row int the fact table contains a multi-part primary key(or a composite foreign key) along with one or more columns containing various facts about the data stored in the row Each of the composit foreign key components is related to a dimensional table. The combination of keys in the fact table creates a composite foreign key that is unique to the fact table record. The composite foreign key, however, is rarely unique to the fact table record in real-world applications, particularly in financial applications. In order to make the composite foreign key be the determinant in real-world application, some precalculation might be performed in the SQL relational database, and cached in the OLAP database. However, there are many drawbacks to this approach. In some cases, this approach might give users the wrong results. In this paper, an approach to fact table modeling and related MDX query composing, which can be used in real-world applications without performing any precalculation and gives users the correct results, is proposed.

• Journal of the Korea Society of Computer and Information
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• 제12권1호
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• pp.177-188
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• 2007

A star schema consists of a central fact table, which is surrounded by one or more dimension tables. Each row in the fact table contains a multi-part primary key(or a composite foreign key) along with one or more columns containing various facts about the data stored in the row. Each of the composit foreign key components is related to a dimensional table. The combination of keys in the fact table creates a composite foreign key that is unique to the fact table record. The composite foreign key, however, is rarely unique to the fact table retold in real-world applications, particularly in financial applications. In order to make the composite foreign key be the determinant in real-world application, some precalculation might be performed in the SQL relational database, and cached in the OLAP database. However, there are many drawbacks to this approach. In some cases, this approach might give users the wrong results. In this paper, an approach to fact table modeling and related MDX query composing, which can be used in real-world applications without performing any precalculation and gives users the correct results, is proposed.

• Proceedings of the Korean Society of Computer Information Conference
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• 한국컴퓨터정보학회 2013년도 제47차 동계학술대회논문집 21권1호
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• pp.67-70
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• 2013

스마트폰 보급은 현대인들에게 시간적, 공간적 제약에서 벗어나 언제 어디서나 무선 인터넷을 사용하여 모바일 뱅킹, 결재, 증권거래 등 원하는 서비스를 이용할 수 있게 해주었다. 사용자들은 이를 이용하여 다양한 정보들을 검색, 저장, 이용한다. 그러나 무선 인터넷의 순기능과는 반대로 최근 모바일 기기의 보안취약점을 이용한 악성애플리케이션 및 각종 공격으로 사용자 개인정보탈취의 위협이 증가하고 있다. 사회공학공격의 일종인 피싱(Phishing)은 신뢰받는 기관을 사칭하여 만들어놓은 가짜사이트에 사용자로부터 자신의 개인정보 및 금융정보를 입력하게끔 유도하여 사용자정보를 탈취하는 방법으로 최근 SMS를 이용하여 정부 및 금융기관을 사칭한 문자를 보내 피싱사이트로 접속을 유도하는 피해사례가 증가하고 있다. 본 논문에서는 국내 피싱사이트의 유형을 분석하고 피싱사이트로 접근을 유도하는 방법 중 하나인 SMS를 이용한 피싱을 방지 할 수 있는 시스템을 고안한다.