• Review of KIISC
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• v.33 no.4
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• pp.125-129
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• 2023

ISO/TC307 기술위원회는 분산원장 기초적인 기술표준에서 응용, 디지털자산 및 디지털 화폐와 같은 응용/서비스 표준개발로 중심이 이동한 듯한 분위기이다. 영국이 TC68과의 협동으로 디지털 화폐 개발에 열정을 보이고 있다. 금융대국영국이 블록체인 기반 디지털 금융 산업에서 선두 지위를 확보하고자 노력하고 있다는 것을 피부로 느낄 수 있는 회의였다고 판단이 된다. 한편 미국은 NFT를 이용한 물리 자산의 디지털 표현 표준을 담당하는 WG8을 신설 한 것은 선진국가들이 블록체인을 이용하여 산업의 실질 표준개발을 지향하고 있다고 판단한다. 이에 한국에서도 블록체인감사지침, 분산원장을 위한 27002 등을 제안하여 표준개발 중이다.

• International Commerce and Information Review
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• v.3 no.2
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• pp.113-129
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• 2001

인터넷은 컴퓨터와 네트워크의 가상공간을 통하여 그 개방성과 뛰어난 확장성으로 전자상거래의 기본수단이 되고 있으며 경이로운 발전을 거듭하고 있다. 이에 따라 현재 전세계는 전자상거래가 폭발적으로 성장하는 시기를 맞이하고 있다. 일본에서도 최근 일본정부가 2005년까지 초고속인터넷을 3000만 가구에 보급할 계획을 세우고 있는 등 인터넷의 고속화가 빠르게 진전되고 있고, 이용자의 인터넷 접속요금도 저가격화로 변화함에 따라 전자상거래 이용지도 급속도로 증가할 것으로 예상된다. 그리고 TV를 이용한 게임기나 인터넷 전용머신이라는 컴퓨터 이외의 디지털기기로 인터넷을 이용하는 등 전자상거래 이용수단도 다양화될 것이며, 또한 디지털 텔레비전과의 제휴를 통하여 디지털데이터방송을 활용한 전자상거래도 활발히 이루어질 전망이다. 이에 따라 일본의 전자상거래시장의 급속한 성장과 함께 결제수단도 다양화되고 있다. 전자상거래의 결제수단으로서는 현금, 우편환, 은행입금, 수표 외 전자상거래의 특유의 결제수단이라고 할 수 있는 전자화폐, 인터넷뱅킹, E-Debit 등이 있다. 이 가운데 전자화폐는 일반적으로 유통성, 양도가능성, 범용성, 익명성 등 현금이 가지고 있는 기능을 갖추고 있을 뿐만 아니라 원격지송금성, 수송상의 비용절감, 금액의 분할 및 통합의 유연성, 전자성 등의 특징을 갖고 있으며 현금의 단점을 보완하는 기능도 있기 때문에, 앞으로 신용카드를 대체하는 차세대 전자결제수단으로 등장할 것이 확실시된다. 따라서 본고에서는 현재 일본 내의 다양한 주체들에 의하여 개발 실험되고 있는 전자화폐에 의한 결제시스템을 개관함으로써 우리나라에서도 일본과 같은 다양한 전자화폐에 의한 결제시스템의 개발 실험 도입이 절실함을 제안하였다.

• The Journal of Information Technology
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• v.3 no.1
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• pp.143-153
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• 2000

Internet Banner ad. has became one of the most interesting sector to marketer which was even unacquainted word to them a few years ago. Advertisement of Internet has many differences, merits and demerits with traditional ad, namely television, newspaper, magazine and outdoors advertising etc. In this study, we compare Internet advertisement with traditional advertisement and consider the way which is the most effective Internet advertisement, especially banner using an analysis of census.

• The Journal of the Korea Contents Association
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• v.22 no.7
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• pp.63-72
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• 2022

With the advent of cryptocurrencies such as Bitcoin in 2009, the paradigm of money, a means of payment, has been changing significantly. And it has a great impact on our daily lives. Thus central banks have attempted various analyzes on the issuance and impact of digital currencies including electronic payments but a study on which issuance method is suitable is insufficient. In this study, the issuance of digital currency was analyzed compared to the electronic payments which are currently used. As a result, the account-based model did not show any significant differences from the current RTGS(real-time gross settlement systems) and retail payment systems. But the token-based model is expected that it can improve the efficiency of finance and induce technological innovation in the financial field. However, it was analyzed that this model would weaken the intermediary function of financial institutions such as loans due to the characteristics of digital signature technology. In addition, in order to protect consumers against security attacks such as hacking and phishing of CBDCs, legal and institutional supports similar to the current electronic payment method are required, and continuous technology development efforts are also required for the CBDC issuance model to maintain convenience and anonymity equivalent to cash.

• Journal of Digital Convergence
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• v.18 no.2
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• pp.23-35
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• 2020

Mobile Money is a key factor of financial inclusion that can revolutionize the financial service delivery and hence enhance access to finance in emerging economies, especially the East African countries. This study therefore aims to study the determinants of individual's behavioral intention and usage of Mobile Money services in Ethiopia by usiing the UTAUT2 model. The research model was tested by sampling 200 respondents from different areas of Ethiopia. The analysis results found that Government Support, Facilitating Conditions, Performance Expectancy, Trust and Effort Expectancy are the key factors that affect the usage of Mobile Money service, while Lower Transaction Cost factors and Social Influence were not statistically significant. The findings provide useful information that only government's active efforts and support to promote mobile money services, through appropriate policies and regulations rather than lower transaction cost, can facilitate the adoption and dissemination of such services in Ethiopia.

• Proceedings of the Korean Information Science Society Conference
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• 2000.10b
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• pp.245-247
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• 2000

산업 혁명에 뒤이은 디지털 혁명 시대에 가장 큰 변화는 경제 활동의 변화를 들 수 있을 것이다. 기존에 존재하던 많은 실물 시장(Real Market)은 가상 공간(Cyber Space)상으로 이전하게 되고 이 속에서 디지털 데이터를 근간으로 각종 구입, 판매 그리고 대금 지불이 이루어지고 있다. 이러한 환경에서 가장 중요한 것은 지불 방법에 관한 문제로 기존의 지불 방법으로는 한계가 발생하게 된다. 인터넷 환경에 적합한 새로운 지불 방법이 요구되고 있으며 그 해결책으로서 전자화폐(Electronic Cash)가 등장하게 되었다. 전자화폐는 기존의 화폐를 대신하여 인터넷상의 전자상거래(Electronic Commerce)에서 사용되고 있으며, 실물 화폐와 더불어 중요한 지불 수단으로 등장하고 있다. 본 연구에서는 기존의 전자지불 수단을 비교, 분석하여 새로운 지불시스템인 혼합형 전자지불 시스템을 제시하고 구체적 활용에 대해 살펴보고자 한다.

• Journal of Digital Convergence
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• v.19 no.12
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• pp.303-309
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• 2021

This study examines the effects of CBDC(Central Bank Digital Currency) on the Korean economy in the digital currency era and discusses the response strategies for CBDC. With the review of the definition and the development status of digital currency, we explore the characteristics and current status of CBDC in Korea as well as the possibility for internationalization of CBDC. The result shows that CBDC can reduce credit risk, improve transaction transparency compared to cash, and increases monetary policy capacity. Meanwhile, the credit and intermediary function of financial institutions may be weakened, and side effects such as financial alienation may occur. Nevertheless, as the issuance of CBDC is an important opportunity to enhance the possibility of internationalization of Korean Won, preemptive measures are required to keep pace with the competition and cooperation with each country toward the digital key currency. We need to accelerate the digital financial environment through Korea's comparative advantage, and develop a strategy to achieve the internationalization of the financial industry and the Korean Won through CBDC issuance. From the early stage of CBDC designing, it is necessary to achieve international agreements through cooperation with other central banks and to develop policies suitable for the transition to digital currency.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.8 no.7
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• pp.1537-1545
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• 2004

As the Internet continues to transform the commerce, the method of payment is one of critical components to conduct successful business across the internet. An electronic cash has all characteristics of traditional commodity cash and ensures security for all transactions. Accordingly an internet billing system based electronic cash is expected as the secure and efficient payment method in future electronic commerce. Digital Contents such as digital goods and services have the special characteristic that both the delivery of the goods and the transfer of money ran be accomplished on the same network. This allows the optimizations in the design of an electronic commerce system. In this paper, we propose an electronic payment protocol which is especially designed to purchase digital contents through internet. The proposed protocol guarantees anonymity by using a virtual ID, and minimizes payment processing steps.

• Journal of Digital Convergence
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• v.18 no.7
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• pp.93-99
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• 2020

Text mining is one of the big data analysis methods that extracts meaningful information from atypical large-scale text data. In this study, text mining was used to monitor citizens' opinions on the policies and systems being implemented. We collected 5,108 newspaper articles and 748 online cafe posts related to 'Gyeonggi Lacal Currency' and performed frequency analysis, TF-IDF analysis, association analysis, and word tree visualization analysis. As a result, many articles related to the purpose of introducing local currency, the benefits provided, and the method of use. However, the contents related to the actual use of local currency were written in the online cafe posts. In order to revitalize local currency, the news was involved in the promotion of local currency as an informant. Online cafe posts consisted of the opinions of citizens who are local currency users. SNS and text mining are expected to effectively activate various policies as well as local currency.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.12 no.3
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• pp.23-37
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• 2002

As the world-wide use of the Internet increases rapidly due to development of computer network the Electronic Commerce for business by treating it is growing as compared to the traditional one for the information exchange in the academic and research areas. The Electronic Payment System used for EC includes the Payment Broker System and the Electronic Purse System. And usually Electronic Purse System operates with IC cards. Saving the money in IC card has a high portability and security. Therefore, the Electronic purse System based on IC card is recently issued in the EC. In this paper, we design and implement of a IC card security system for Common Electronic Purse Specifications in Internet. CEPS is a Electronic Purse System proposed VISA, and conform EMV(Europay Mastercard VISA) security structure. With our system, users easily use Electronic Purse System with only Web browser and IC card. Original EMV paid no regard to using in the Internet. But our system, conforming to CEPS and EMV, is easily used in the Internet.