• Journal of the Korea Institute of Information Security & Cryptology
• /
• v.26 no.6
• /
• pp.1527-1537
• /
• 2016

As increasing of smartphone penetration over the world, various mobile payment services have been emerged and fraud transactions have drastically increased. Although many financial companies have deployed security solutions to detect fraud transactions in on/off-line environment, mobile payment services still lack fraud detection solutions and researches. The mobile payment is mainly comprised of micro-payments and payment environment is different from other payments, so mobile-specialized fraud detection is needed. In this paper, we propose a FDS (Fraud Detection System) based on data mining for mobile payment services. The method of this paper is applied to the real data provided by a PG (Payment Gateway) company in Korea. The proposed FDS consists of two phases; (1) the first phase is focused on classifying transactions at high speed (2) the second is designed to detect abnormal transactions with high accuracy. We could detect 13 transactions per second with 93% accuracy rate.

• Proceedings of the Korea Society for Industrial Systems Conference
• /
• 2002.11a
• /
• pp.14-31
• /
• 2002

M-commerce는 무선통신 네트웍과 단말기를 통해 이루어지는 금전적 가치가 있는 거래를 말한다. 무선 통신망 기술의 발달과 유선 인터넷에 익숙한 소비자의 증가, 이동전화, PDA, 무선랜 등의 보급 증가 등의 배경으로 m-commerce는 계속 확산될 전망이다. IDC에 따르면 1999년과 2000년 사이에 휴대폰 이용자수는 4억2천8백만 명에서 5억5천9백만 명으로 30.6% 증가했고 2004년까지 약 13억 명-전세계 인구 5명중 1명-이 휴대폰을 이용할 것으로 예상했다. 포레스터 리서치(Forrester Research)도 2003년까지 무선 단말기의 수가 10억을 넘어서 PC의 수를 능가할 것이고 m-commerce 거래액수도 2005년에 가서 2,000억 달러를 넘어설 것으로 전망하고 있다. (중략)

• Proceedings of the Korean Society of Computer Information Conference
• /
• 2020.07a
• /
• pp.191-192
• /
• 2020

모바일 결제는 모바일 거래 성공에 중요한 역할을 하고 있는 요소이다. 모바일 간편 결제란 일반적으로 재화, 서비스 이용에 연관된 결제를 모바일 단말기로 처리하는 것을 말하는데. 모바일 폰의 높은 보급률과 사용자의 편리하고 즉각적인 결제에 대한 니즈에 의해 모바일 결제는 금전적 거래를 성사하는데 중요한 채널로 인식되고 있다. 모바일 간편결제 시장이 급성장세를 보이면서 카드를 갖다 대거나 인증만으로 결제하는 세상이 빠르게 확대되고 있다. 스마트폰 제조사를 비롯해 플랫폼 및 유통업체, 결제시장의 전통 강자인 각 금융사에 이르기까지 간편결제 시장의 주도권을 놓치지 않기 위한 경쟁도 더욱 달아오를 것으로 전망 된다. 그럼에도 불구하고 미래의 잠재적 주요고객이면서 현재 사용하고 있는 청소년들에 대한 모바일 간편 결제 서비스 이용현황에 대한 연구는 아직 미흡하다. 청소년들이 모바일 간편 결제에 대해 어떻게 생각하고 있는지 확인해 보고자 한다.

• The Journal of the Convergence on Culture Technology
• /
• v.6 no.1
• /
• pp.455-461
• /
• 2020

Electronic payment system using Internet banking is a very important application for users of e-commerce environment. With rapidly growing use of fintech applications, the risk and damage caused by malicious hacking or identity theft are getting significant. To prevent the damage, fraud detection system (FDS) calculates the risk of the electronic payment transactions using user profiles including types of goods, device status, user location, and so on. In this paper, we propose a new risk calculation method using relative location of users such as SSID of wireless LAN AP and MAC address. Those relative location information are more difficult to imitate or copy compared with conventional physical location information like nation, GPS coordinates, or IP address. The new method using relative location and cumulative user characteristics will enable stronger risk calculation function to FDS and thus give enhanced security to electronic payment systems.

• Journal of Digital Convergence
• /
• v.18 no.1
• /
• pp.287-293
• /
• 2020

This study is about comparing and analyzing the representative fintech application service, Toss, and Kakaobank from the user's point of view and suggest development according to the main factors of user experience. The experimental group who have used both mobile application was recruited to do a task about deposit and withdrawal service. After the task, an in-depth interview was conducted by reorganizing the "Creating Pleasurable Interface model" by Stephen P. Anderson. Interview questionnaire is based on propensity and feature of generation 2030. As a result of the experiment, the user showed satisfaction with usability and showed different application usage experience depend on financial transaction propensity and money management. Therefore, the application needs features that could grasp the propensity and also service to manage money in everyday life. Based on this study, it is expected to develop be user-based fintech application service in related fields.

• The Journal of Society for e-Business Studies
• /
• v.20 no.2
• /
• pp.93-106
• /
• 2015

Providing trading partners with personal information to establish an e-commerce financial transaction is inevitable. Most e-commerce companies keep personal information and transaction data for user's convenience and develop additional services as their applications. However, keeping personal information increases the likelihood of identity theft causing direct or indirect damage while it may simplify repetitive financial transactions. This study introduces risk management methods based on quantitative and qualitative analysis including demand-supply curve model and Gordon & Loeb model to analyze the risks for security management. The empirical analysis with survey results from KISA (Korea Information Security Agency) shows that the root cause of different statistics of personal information leakage incidents according to core business of internet companies is the difference in their Loss Expectancy caused by them. Also we suggest disciplinary compensation and higher standard for personal information protection as a solution to prevent the variation of investment on it between individual companies.

• Journal of Convergence Society for SMB
• /
• v.5 no.1
• /
• pp.37-40
• /
• 2015

Recently range of use also being increase along with smart phone users growing. And keep pace with hacking technician is increasing inter alia tamper technician has issued. This technician infringe integrity on three element of security of data. In this case reliability has deteriorated, the app itself has increased danger, and it's value has reduced. This can affect like take information even though don't have any authority to information or hemorrhage at large in this country. In other words, I has been arranged tamper's definition to.

• KIPS Transactions on Software and Data Engineering
• /
• v.11 no.7
• /
• pp.283-290
• /
• 2022

Blockchain is a technology that secures integrity and transparency by distributing and storing transaction details within multiple node networks. Recently, research is being conducted to secure integrity by applying blockchain to Bill of Lading (B/L documents) of monetary value. In this paper, we study a blockchain-based bill of lading system to improve usability. The shippers register the issued bill of lading on the blockchain, and banks in each country read it to conduct L/C transactions. The consignees receive the goods after completing certification with a quick response code (QR) containing the bill of lading information. Through this, shippers enjoy merits in that they can shorten the time and cost of sending shipping documents by mail and prove the integrity of the documents. The consignees have the advantage of being able to check the documents at the same time as they are registered and trust the transaction. Finally, on the bank side, the security of shipping documents is ensured and verification can be done quickly.

• The Journal of Society for e-Business Studies
• /
• v.19 no.3
• /
• pp.1-21
• /
• 2014

Personal information is a requisite for financial transactions as well as a core asset of financial companies. However, as a side effect of the information society, personal information infringements have emerged as significant social risks, causing realized loss to individuals and companies. This study analyzes results of financial and emotional loss in terms of consumer loss and also presents usefulness of insurance in order to minimize such actual damages as a means of risk transfer. In addition, this study investigates components and premium calculation principles of compensation insurance against personal information invasion and finally presents policies to activate these insurance product. As a method of risk management, insurance not only is a useful tool to guarantee consumer protection and companies' financial soundness simultaneously but also provides a basis of quantitative measurement of IT risks.

• Journal of the Korea Institute of Information Security & Cryptology
• /
• v.25 no.3
• /
• pp.627-637
• /
• 2015

As game item trading becomes more popular with the rapid growth of online game market, the market for trading game items by cash has increased up to KRW 1.6 trillion. Thanks to this active market, it has been easy to turn these items and game money into real money. As a result, some malicious users have often attempted to steal other players' rare and valuable game items by using their account. Therefore, this study proposes a detection model through analysis on these account thieves' behavior in the Massive Multiuser Online Role Playing Game(MMORPG). In case of online game identity theft, the thieves engage in economic activities only with a goal of stealing game items and game money. In this pattern are found particular sequences such as item production, item sales and acquisition of game money. Based on this pattern, this study proposes a detection model. This detection model-based classification revealed 86 percent of accuracy. In addition, trading patterns when online game identity was stolen were analyzed in this study.