• Title/Summary/Keyword: 대출시스템

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A Study on the Next Generation Identification System of Mobile-Based using Anonymous Authentication Scheme (익명 인증기법을 이용한 모바일 기반 차세대 본인확인수단에 관한 연구)

  • Park, Jeong Hyo;Jung, Yong Hoon;Jun, Moon Seog
    • KIPS Transactions on Computer and Communication Systems
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    • v.2 no.12
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    • pp.511-516
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    • 2013
  • The cases of identification forgery and counterfeiting are increasing under the current identification system, which was established based on social conditions and administrative environments over 20 years ago. This leads to an increase of various criminal acts including illegal loan using fake ID and a number of damages caused out of good intentions that result in interference with the operations of public organizations. In addition, according to the advancement of information society, privacy protection has emerged as an important issue. However, ID card exposes individuals' personal information, such as names, resident registration numbers, photos, addresses and fingerprints, and thus the incidents associated with illegal use of personal information are increasing continuously. Accordingly, this study aimed at examining the issues of ID card forgery/counterfeiting and privacy protection and at proposing a next-generation identification system to supplement such weaknesses. The top priority has been set as prevention of forgery/counterfeiting and privacy protection in order to ensure the most important function of national identification system, which is user identification.

A Model for Effective Customer Classification Using LTV and Churn Probability : Application of Holistic Profit Method (고객의 이탈 가능성과 LTV를 이용한 고객등급화 모형개발에 관한 연구)

  • Lee, HoonYoung;Yang, JooHwan;Ryu, Chi Hun
    • Journal of Intelligence and Information Systems
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    • v.12 no.4
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    • pp.109-126
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    • 2006
  • An effective customer classification has been essential for the successful customer relationship management. The typical customer rating is carried out by the proportionally allocating the customers into classes in terms of their life time values. However, since this method does not accurately reflect the homogeneity within a class along with the heterogeneity between classes, there would be many problems incurred due to the misclassification. This paper suggests a new method of rating customer using Holistic profit technique, and validates the new method using the customer data provided by an insurance company. Holistic profit is one of the methods used for deciding the cutoff score in screening the loan application. By rating customers using the proposed techniques, insurance companies could effectively perform customer relationship management and diverse marketing activities.

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A study for efficient operation of the e-commerce guarantee financing system in domestic industries (국내 전자상거래 보증제도의 효율적 운영방안에 관한 연구)

  • Yoo, Soon-Duck;Choi, Kwang-Don;Shin, Seung-Jung
    • Journal of Digital Convergence
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    • v.9 no.3
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    • pp.31-46
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    • 2011
  • This research suggests for efficient operation of the e-commerce guarantee financing system in domestic industries by reviewing the definition, current situation and problems of the e-commerce guarantee financing system in operation since 2001. Throughout the 10 years of the e-commerce guarantee financing system's implementation, technological development has solved many previously concerning factors. The goal of the study is to resolve the current issues of the e-commerce guarantee financing system and offer means by which to expand the accessibility of the system to domestic industries and further assistance to firms already using the system. One of the primary policies supported by the research is the reallocation of funds from archaic means of exchanging finances to the modem e-commerce guaranteed financing methods because of the increased transparency of the trading. Specifically, the funding operated by government guarantee agencies requires systematic promotion, justifying subsidies and tax breaks to companies that are using e-commerce guarantee financing because of the increased overall transparency. In addition, the benefits of e-commerce guarantee financing as a means of funding are numerous: the promotion of good business, relaxation of credit ratings for company loans, construction of the mobile operating system for small businesses, and creation of policy flexibility in operating fund agencies run by government. Future research areas include continued collection and analysis of the above data provided and new market feedback such as direct poll surveys of the operating staff in companies using e-commerce guarantee financing agencies.

A Study on the Management Improvement of an Academic Library Using Customer Relationship Management (CRM 기법을 이용한 대학도서관 경영개선에 관한 연구)

  • Park, Il-Jong;Yoo, Kyeong-Jong
    • Journal of the Korean Society for information Management
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    • v.36 no.2
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    • pp.31-56
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    • 2019
  • The user satisfaction and needs of an academic library were caught through a questionnaire survey in this study. The aim of this study is to draw up the CRM based plan for meeting user needs on the study. The users' demographic information, library resources & their use, homepage, services, and facilities/environment of the library were categorized in the questionnaire and analyzed for this study. The major conclusions of this study are: (1) The library resources use was the highest, and its facilities/environment was the lowest in the user satisfaction study. It also revealed that there are much necessities for the quick acquisition and dissemination of the requested material to the library users, and for the inter-library loan (ILL) services among campuses for the subscription books in the library resources use study, too; (2) There are a lot of necessities for the improvement of OPAC retrieval and the subscription books system, and menu rearrangement in the library homepage; (3) There are a lot of necessities for the plans of more frequent library event, more detailed event guidance, and more reinforcement of public relations such as SMS, push services of SDI etc. in the library user services; and (4) There are a lot of necessities for the improved policies to the complaints of library users such as the lack of common study place and lockers, air conditioning and heating problem, complaints about facilities management of restroom (lack of toilet paper), library accessibility on campus, unauthorized user management etc. in the facilities/environment of the library.

A Study on the Current State of the Library's AI Service and the Service Provision Plan (도서관의 인공지능(AI) 서비스 현황 및 서비스 제공 방안에 관한 연구)

  • Kwak, Woojung;Noh, Younghee
    • Journal of Korean Library and Information Science Society
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    • v.52 no.1
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    • pp.155-178
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    • 2021
  • In the era of the 4th industrial revolution, public libraries need a strategy for promoting intelligent library services in order to actively respond to changes in the external environment such as artificial intelligence. Therefore, in this study, based on the concept of artificial intelligence and analysis of domestic and foreign artificial intelligence related trends, policies, and cases, we proposed the future direction of introduction and development of artificial intelligence services in the library. Currently, the library operates a reference information service that automatically provides answers through the introduction of artificial intelligence technologies such as deep learning and natural language processing, and develops a big data-based AI book recommendation and automatic book inspection system to increase business utilization and provide customized services for users. Has been provided. In the field of companies and industries, regardless of domestic and overseas, we are developing and servicing technologies based on autonomous driving using artificial intelligence, personal customization, etc., and providing optimal results by self-learning information using deep learning. It is developed in the form of an equation. Accordingly, in the future, libraries will utilize artificial intelligence to recommend personalized books based on the user's usage records, recommend reading and culture programs, and introduce real-time delivery services through transport methods such as autonomous drones and cars in the case of book delivery service. Service development should be promoted.

A Study on the Feasibility Improvement of the Real Estate Development by Using Project Financing Analytical Method in Korea (PF대출 분석기법을 활용한 부동산개발사업 사업성 평가 개선 연구)

  • Seo, Jeong-Jin
    • Journal of Cadastre & Land InformatiX
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    • v.44 no.2
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    • pp.209-230
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    • 2014
  • There are three forms of REITs company in Korea that was first introduced in 2002. Each REITs have been listed on the KRX, its characteristics are different, but it is classified as a REITs company in all events. REITs current methods are applied uniformly manner that does not reflect the characteristics of the individual. REITs some, that is not seen unlike legislative intent, it is delisted, such as generating an investment loss of investors. In this study it is an object of the invention from the point of view of REITs business validity, to draw up operational support aggressive plans of the scheme. By improving the PF assesment system, to improve the relevance of REIT business and presenting policy direction to the activation of REITs. Through the sophistication of real estate finance utilizing REITs, policy for proper investment of general investors REITs funds were listed with the smooth flow must be realized. The results of this study, it can be utilized as basic data for policy to reflect the real estate policy for activation of the indirect financial investments.

A Study about Internal Control Deficient Company Forecasting and Characteristics - Based on listed and unlisted companies - (내부통제 취약기업 예측과 특성에 관한 연구 - 상장기업군과 비상장기업군 중심으로 -)

  • Yoo, Kil-Hyun;Kim, Dae-Lyong
    • Journal of Digital Convergence
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    • v.15 no.2
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    • pp.121-133
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    • 2017
  • The propose of study is to examine the characteristics of companies with high possibility to form an internal control weakness using forecasting model. This study use the actual listed/unlisted companies' data from K_financial institution. The first conclusion is that discriminant model is more valid than logit model to predict internal control weak companies. A discriminant model for predicting the vulnerability of internal control has high classification accuracy and has low the Type II error that is incorrectly classifying vulnerable companies to normal companies. The second conclusion is that the characteristic of weak internal control companies have a low credit rating, low asset soundness assessment, high delinquency rates, lower operating cash flow, high debt ratios, and minus operating profit to the net sales ratio. As not only a case of listed companies but unlisted companies which did not occur in previous studies are extended in this study, research results including the forecasting model can be used as a predictive tool of financial institutions predicting companies with high potential internal control weakness to prevent asset losses.

Problem Analysis and Improvements Plans for PF ABCP of Apartment Housing Development Projects (공동주택 PF ABCP의 문제점 분석 및 개선방안에 관한 연구)

  • Kim, Soo-Yeol;Hwang, Uk-Sun;Kim, Yong-Su
    • Korean Journal of Construction Engineering and Management
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    • v.12 no.2
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    • pp.133-142
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    • 2011
  • The purpose of this study is to analyze the problems of the parties involved in the issuance of apartment housing development projects. The adapted research method selected four apartment housing development as PF ABCP projects. This study carried out the case about participant institution of PF ABCP funding project including developer, constructor, financial institution so as to draw problems by participant institution. On the basis of the selected case, this thesis proposes methods for involved parties to negotiate and work out problems of the PF ABCP. The results of this study are as follows 1) Launching long-term project financing should be developed, including operating funds and strengthen the ABS and ABCP issuance of credit assessment procedures, combined with the simplicity of the instruments. 2) The Low-risk contract for the construction of simple managerial focus should be the construction, financial institutions essentially dependent on project financing feasibility verification purpose loans to prevent the division a true story, the development should be of interest to be preserved. The proposed included, among other, partial guarantee based on the construction plan financial institutions' share-based investment, and the supplement of legal issues.

Analysis of the Current Situation and Improvement Method of Correctional Facility Libraries in Korea (한국의 교도소도서관 현황분석과 개선방안)

  • Kwon, Se-Hee;Yoon, Hye-Young
    • Journal of Information Management
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    • v.40 no.3
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    • pp.125-150
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    • 2009
  • This study aims to investigate current situation and improvement method of correctional facility libraries in Korea. Thus this study made the following suggestions to improve the operation of correctional facility library and to facilitate its growth so that the inmates' basic right to know and access information could be guaranteed: First, there should institutional and legal grounds for the establishment and operation of correctional facility library such as standards, guidelines, and enactments; second, the government should provide enough budgets for human and material resources so that a prison library can equip itself with materials, facilities, and staff to run smoothly; third, the inmates' free access to the library service should be guaranteed in an open space; fourth, the library should introduce an automation system for lending, returning, and handling materials; fifth, a collaboration system with external resources should be set up to make effective use of lacking resources; sixth, programs should be researched and developed to analyze the size and composition of the inmates, the needs of the inmates, and available service; and finally, there should be staff with the qualification of a librarian to be responsible for the operation and management of a correctional facility library and to offer specialized library service to the inmates.

A Study on Power Saving Effect Through Introduction of AM Radio High Efficient Transmission System (AM 라디오 고효율전송의 전력 절감 효과 분석)

  • Lee, SangWoon
    • Journal of Broadcast Engineering
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    • v.24 no.4
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    • pp.670-675
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    • 2019
  • AM radio broadcasting has the advantage that the sound quality is lower than that of FM radio but the service area is wide and at night it can be transmitted even to overseas due to ionospheric reflection. AM radio broadcasts usually transmit large amounts of several tens to several hundreds of kilowatts (KW), requiring a lot of power, which is a financial burden on broadcasters. Recently, it is required to introduce a way to reduce the power of AM radio broadcasting in Korea. Therefore, it is possible to save a certain amount of power compared to the conventional AM radio broadcasting, and it is possible to maintain the existing license service area and sound quality, and what policies are needed to introduce the technology. In this paper, we predict the reduction of transmission power when a high efficiency transmission system is applied to existing AM radio broadcasting transmission system. As a result of the research, AMC adopting the high efficiency transmission method instead of the conventional AM radio transmission method, and when the modulation ratio of AM radio is 70%, if -3 dB companding is applied, the annual transmission power charge is decreased from 5,185,838,160Won to 3,528,900,086Won with saving of 32.0%, When -6 dB companding is applied, it is expected to be reduced to 2,608,378,934Won, which is 49.7% savings.