• Journal of the Korea Institute of Information and Communication Engineering
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• v.22 no.6
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• pp.881-887
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• 2018

Various services using smart phones are being provided, and a variety of services are also provided in payment fields. Since the mobile payment services is closely related to the monetary part, various characteristics of the mobile system have a close relation with use trust. In this study, accessibility, compatibility, and security were selected as important factors in the mobile payment systems. We will examine how these system factors affect users' cognitive trust, emotional responses such as positive emotions and satisfaction. We surveyed users of mobile payment systems to achieve our research purposes. SPSS 23 and SmartPLS 2.0 were used for the analysis. The results showed that all system factors influenced cognitive trust and emotional response. However, positive emotions did not affect satisfaction. However, when we examine the relationship between emotional responses, positive emotions do not affect satisfaction.

• Journal of Convergence Society for SMB
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• v.5 no.2
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• pp.33-38
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• 2015

The damage to the security is increasing as public key-based ISP secure payment service is used in online banking payment system. Security technology aspect to ISP secure payment security has no special problems. But, security damage that occurs due to the simplicity of the payment system is a problem. In this paper, we propose response and plan for ISP secure payment service to minimize the damage that occurs due to the simplicity of a security settlement system. Proposed scheme is applicable to various billing systems such as secure payments, online payment, mobile payment, credit card. Proposed scheme is characterized in that can stably support the capabilities of the new billing system. Also, proposed scheme is to analyze the various security threats arising from the payment of the financial services and to describe response and plan technology.

• Journal of Digital Convergence
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• v.13 no.12
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• pp.75-87
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• 2015

The current study examines whether consumers' perceived usefulness of and trust in the integrated mobile payments services positively influence consumer loyalty to the payments system as well as to the online shopping websites where they have used the payments system. Moreover, the study investigates the effects of individual characteristics and brand awareness of the provider of mobile payments on perceived usefulness and trust. Online survey was administered to consumers ranging in age from 20s to 40s. Data analysis reveals that as consumers' perceived usefulness of and trust in the mobile payments system positively influence consumer loyalty to mobile payments and shopping mall websites. The results of the study suggests that e-commerce's user interface design, particularly the transaction system, should receive greater attention as a basic web element of e-commerce building rather than a set of plug-ins or so.

• The Journal of Society for e-Business Studies
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• v.20 no.4
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• pp.77-102
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• 2015

FinTech service industry has been growing rapidly around the world. It has driven innovation in financial and payment service industry with different channels such as mobile based on Information and Communications Technology (ICT). However, FinTech service is vulnerable to different security threats due to use the valuable data such as personal information and financial information. It is undeniable that collection and use of those information may increase the possibility of identity theft or privacy breach. In this paper will develop a self-checklist for the Simple Payment service users (Privacy Pragmatists) who want to make a rational decision to protect their personal information. The checklist is going to let the users assess the personal information protection by performing the assessment themself when they use the service. The body of this paper is going to analyze the items of the checklist and through the analysis, will suggest a security policy for personal information protection of FinTech service.

• Informatization Policy
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• v.28 no.1
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• pp.22-42
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• 2021

The purpose of this study is to investigate the effects of privacy concerns on the use of mobile payment services. In particular, paying attention to the multidimensionality of consumer innovation, we analyzed the effects of hierarchical logistic regression by gender. The results show that there is a positive (+) relationship for hedonic innovativeness regardless of gender, and that there is a negative (-) relationship for functional innovativeness overall and in the female group. In all groups regardless of gender, a positive (+) relationship was found for the hedonic innovativeness, and one negative (-) relationship was found in the functional innovativeness overall group and the female group. Second, in the male group, there is a moderating effect of privacy concerns and functional innovativeness. This suggests that the relationship between privacy concerns and the usage of mobile payment services may vary depending on functional innovativeness. This study is useful in that it can explain and predict consumers' patterns of use of new technology-based services in various and balanced ways by taking privacy concerns and multidimensional consumer innovation into consideration. In addition, it suggests that mobile payment companies should make efforts to ensure that their services are secure, useful, and fun to use so that consumers can feel confident using the services in various situations.

• The Journal of the Korea Contents Association
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• v.19 no.5
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• pp.443-454
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• 2019

The purpose of this research is to verify the sellers' preference of online shopping platform and simple payment service among the Korean domestic online shopping platforms and analyze which factors they consider depending upon their preferred platform and service. The result of this study shows that the reputation, ease of payment, and ease to navigate of online shopping platform should be considered seriously in choosing the online shopping platform. Also, the usability, ease of payment and service fee of simple payment service are influencing factors to select simple payment service for sellers. Meanwhile, the result confirms that the degree of reputation, ease to navigate, service fee, and ease of payment differs on each selected online shopping platform. Also, the degree of usability and security in simple payment service is different between each chosen simple payment services.

• TTA Journal
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• s.162
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• pp.56-57
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• 2015

최근 생체 인증(Biometrics) 기술이 모바일 핀테크(Fin-TECH)와 결합하면서 '화려한 부활'을 꿈꾸고 있다. 출입 통제, 근태 관리 등 일부 특수 보안 용도에 머물던 생체 인증이 모바일 결제의 새로운 본인인증 서비스로 잇따라 채택되면서 대중화의 물꼬를 트기 시작한 것. 생체 인증은 사람마다 고유한 신체적 특징을 '암호'로 사용해 개인을 인증하는 기술이다. '생체 인식'으로 불리기도 한다. 이제 지문을 넘어 홍채, 손 모양, 혈관 구조, 얼굴, 목소리, 심박 수, 뇌파 등 다양해지고 있는 추세다.

• The Journal of the Korea Contents Association
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• v.17 no.11
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• pp.525-532
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• 2017

The purpose of this study is to investigate the effect of mobile payment service quality(system quality, service quality) on the formation of trust(cognitive trust, affective trust) and the effect of trust on satisfaction. In addition, we examined gender differences in the process of trust affecting satisfaction. The 188 sets of data collected, those were tested against the model using PLS. The results showed that system quality affected cognitive trust, service quality affected cognitive trust and affective trust, and both cognitive trust and emotional trust had an effect on satisfaction. In addition, the influence of cognitive trust on satisfaction was stronger for males, and affective trust had more influence on satisfaction for females.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.17 no.7
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• pp.319-325
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• 2016

A variety of services for mobile payments by the activation of FinTech have been developed. Various payment methods were developed, and an authentication method was developed to improve the reliability of the payment. On the other hand, when mobile easy payment services are used, they have weak security because the authentication by phone number. Therefore, this paper proposes a technique for increasing the reliability of the authentication process using the unique device ID of the mobile device to improve the authentication process based on the telephone number. The core research contents are the architecture and process for the authentication of mobile payments based on the mobile device ID. The mobile payment architecture consists of a mobile device, authentication service, and mobile payment application. The mobile device consists of mobile device ID and phone number, and the authentication server consists of authentication module and encryption module. The mobile payment service consists of a pre-authentication module and decryption module. The process of mobile payment service is processed by the encrypted authentication information (device ID, phone number, and authentication number) among mobile devices, authentication server, and mobile payment application. The mobile device sends the telephone number and the device ID to the authentication server and the authentication server authenticates the user through an authentication process and encryption process. The mobile payment application performs the pre-authentication process by decrypting the received authentication number. This paper reports a difference that can prevent the risk of leakage of the authentication number in existing payment services through the authentication process of the authentication server and the pre-authentication process of the mobile payment service of this paper.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.18 no.3
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• pp.41-48
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• 2017

Recently, there has been a lot of ongoing research regarding financial transactions and payments due to the emergence of financial technology (FinTech). Payments have been processed through cash and credit cards, and payment methods have been simplified and are more convenient, with mobile payment via mobile cards and mobile phones. This study offers a new mobile payment method by using a mobile phone instead of a card reader or terminal. For payments, authentication is processed with the user's biometrics and a built-in fingerprint scanner, and the payment is processed after receiving an authentication code issued by the authorizing institution to confirm the user's identity. User biometrics and payment information is secured from any kind of malicious hacker by saving it in a Fast Identity Online (FIDO) Trusted Execution Environment (TEE) section in a smartphone. Regarding key security, every key is securely created in the FIDO TEE section, providing secure mobile payment by neutralizing various malicious attacks, including sniffing and the man-in-the middle attack.