• Journal of the Korea Academia-Industrial cooperation Society
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• v.22 no.6
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• pp.514-523
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• 2021

Recently, the proliferation of mobile simple payment services has been increasingly affecting people's lives. In addition, the increase in research from both China and Korea shows that the continuous development of simple mobile payment services will be very important in the future. The blog posts mentioning Kakao Pay and Alipay were collected, and keyword analysis was performed to investigate differences in consumers' responses to Kakao Pay and Alipay on social media. The frequency of keywords for each part of speech and the frequency of co-occurred words mentioned in one sentence were analyzed. Specifically, common words that appear in both Kakao Pay and Alipay blogs were extracted. The cooccurred words were analyzed to examine how different reactions were made on the same subject. As a result of the analysis, there were concerns among consumers about the trust of Kakao Pay and Alipay's benefits. For a mobile payment service to become competitive, it is necessary to add various additional services or solve security problems.

• KIPS Transactions on Computer and Communication Systems
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• v.7 no.3
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• pp.73-80
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• 2018

Due to the popularity of smartphones and the simplification of financial services, the number of mobile financial services is increasing. However, the security keypads developed for existing financial services are susceptible to probability analysis attacks and have security vulnerabilities. In this paper, we propose and implement a security keypad based on dual touch. Prior to the proposal, we examined the existing types of security keypads used in the mobile banking and mobile payment systems of Korean mobile financial businesses and analyzed the vulnerabilities. In addition, we compared the security of the proposed dual touch keypad as well as existing keypads using the authentication framework and the existing keypad attack types (Brute Force Attack, Smudge Attack, Key Logging Attack, and Shoulder Surfing Attack, Joseph Bonneau). Based on the results, we can confirm that the proposed security keypad with dual touch presented in this paper shows a high level of security. The security keypad with dual touch can provide more secure financial services, and it can be applied to other mobile services to enhance their security.

• Journal of Digital Convergence
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• v.17 no.1
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• pp.9-27
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• 2019

The purpose of this study is to examine consumers' responses to mobile payment services by using a text-mining technique focusing on Samsung Pay as it is used in both online and offline transactions. We conducted text frequency analysis, text clustering analysis, and text network analysis using R programming. The major findings are as follows. First, the most frequently used key words referenced the brand names of the mobile devices, the replacement of traditional wallets and unique functions of Samsung Pay. Second, there was a clear split between positive and negative responses at the macro level. Third, replacement of traditional wallets played a great role in the positive responses and continuous use of mobile payment services. This study provides in-depth understanding of consumer responses toward mobile payment services. It also offers practical implications that may help mobile payment marketers correspond to consumer values and expectations, thus increasing consumer satisfaction.

• Journal of Digital Convergence
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• v.19 no.9
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• pp.271-276
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• 2021

This study is about finding factors affecting user experience in China's mobile payment. The recen development of 5G networks and the spread of phones provide the basis for the development of mobile payment, and the development of mobile payment is showing a rapid upward trend. Because of the simplicity and mobility, it is appealing to people, especially young people. Therefore, this study conducted a survey on mobile payment users in 20s and 30s and confirmed the factors affecting the user experience through regression analysis. Unlike previous studies on mobile payment technology, this study focused on user experience and identified factors affecting user experience, so it is expected to be helpful in the development of mobile payment in China.

• Journal of Digital Convergence
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• v.16 no.9
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• pp.421-426
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• 2018

This study is meant to derive what is needed to enhance the convenience and satisfaction of users of mobile credit card applications. For the first step, the current status of simple payment service using application has been identified and in-depth interview by reorganizing Peter Morvile's Honeycomb model into the five usage principle based on the main function of the application card. As a result, it was found that users prefer personalized services that fulfill the purpose and key functions of the app card and take into account their consumption patterns rather than too many additional functions. Based on this study, it is expected that it would help card companies increase their experience with app card users and strengthen their platforms.

• Journal of Families and Better Life
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• v.34 no.4
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• pp.139-156
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• 2016

This study uses S-O-R framework to examine the relationships among consumers' perception of economic benefits, usefulness, privacy risks, switching cost, and emotions and continued intention usage. Results from an online survey of 324 qualified respondents were analyzed using the structural equation model. The results of the survey showed that first, perceived economic benefits and perceived usefulness has a positively effect on consumers' positive emotions. Second, perceived privacy risks have a negative effect on consumers' positive emotions. Third, perceived usefulness has a negative effect on consumers' negative emotions. Fourth, perceived switching cost has a positive effect on consumers' negative emotions. Fifth, consumers' positive and negative emotions have an effect on continuous usage intention. Sixth, consumers' positive and negative emotions have a mediating effect. The S-O-R model can explain consumer's continued intention to use mobile payment services. The study analyzed the emotional elements of mobile payment services. Emotional elements through mobile payment services can be applied to other financial services. Therefore, this study can guide emotional related practices with various future consumer electronic services.

• Information Systems Review
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• v.23 no.4
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• pp.1-22
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• 2021

In the newly encountered economy caused by the Corona virus Disease-19, remote transaction becomes a new normal that disrupt traditional economic order. In the middle of the disruption, mobile tech is placed and remote finance on mobile is highly noticed and considered as an infra-tech to support the new ecology, In mobile finance. remote payment is becoming the most common service and personal identification on it is critical to operate the new service. There are various means of remotely identifying a person. Recently the use of biometric information is increasing. In this study, a correlation analysis was conducted on factors that effects to biometrics usage and the intention to use in remote personal identification. Variables for critical factor in the remote identification were classified into 4 groups such as Performance expectancy, Effort expectancy, Social influence, and Security. The empirical analysis based on the Unified Theory of Acceptance and Use of Technology (UTAUT) was conducted. The relationship between variables and the intention to use is also analyzed. In the study, stepwise regression analysis was conducted four times in which variables were adjusted in individual stage. As a result, the analysis suggests that performance expectancy, effort expectancy, social influence, security have positive effects for intention to use. Additionally, effort expectancy and security have moderating effects to intention to use depends on biometric authentication experience. The analysis has shown positive effect of variables grouped on the intention to use them. It also suggests that the intention to use biometric authentication will quickly grow. This study is expected to make a contribution to utilize and improve the use of biometric information in mobile payment.

• Journal of Digital Convergence
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• v.14 no.8
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• pp.453-460
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• 2016

This study aimed to compare the systems of ticketing application programs of three major movie theaters, CGV, Megabox, Lotte Cinema, with each other and evaluate the usability, and find problems to figure out user experiences for more convenient mobile ticketing. Experimental subjects with experiences of using apps of the movie theaters were recruited; First, as a primary task, they reserved movie tickets with each of the movie theater apps; Second, they had in-depth interviews with questions based on the model of Creating Pleasurable Interfaces by Stephen Anderson. As a result, users preferred the composition with information in order in overall, in which ticketing process went smoothly. In particular, users were more satisfied with convenient payment applications. Therefore, as an improving way, it is required to design an interface for users to recognize at a glance and a payment system within an app, not to design separate payment system out of the app. I hope this study will help actively conduct researches to maximize the usability in a way to reserve movie tickets through smartphone apps.

• Convergence Security Journal
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• v.15 no.2
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• pp.25-31
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• 2015

While information and communication develop, the Electronic commerce payment system is progressing. Recently, a government established the electronic commerce activation policy which simplified a payment Through this policy, the information which the financial company monopolizes can be fused with the other industry and create the popularization use of the electronic payment service and value added services. But on the other hand, the concern for the security is very high, Accordingly, the finnancial institute take a restriction of the requirements for the participation company according to the financial scale, this policy is led by the private institue, rather making a participation of fin tech venture difficulty. This paper tries to deal with the technical and legal problems for the activation of electronic payment system and fin tech. So I will examine the security matter that follows in grifting the innovation technology onto the existing payment service and propose a desirable way to improve the current legislation.

• Proceedings of the Korea Information Processing Society Conference
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• 2014.11a
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• pp.499-502
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• 2014

최근에는 많은 스마트폰 어플리케이션이 결제와 할인쿠폰, 적립 등 각종 기능을 제공하면서 사용자들에게 매우 간편한 거래 방식을 제공할 수 있는 NFC 서비스 시장이 성장할 것으로 전망되고 있다. 특히 스마트폰의 NFC 기능을 이용한 여러 서비스들 중 모바일 쿠폰 서비스인 mCoupon 서비스의 시장 활성화를 위해 다양한 인프라가 구축되고 있다. 하지만 mCoupon 서비스는 아직까지 관련 보안 연구가 미흡한 상태이며 보안 기술 개발 속도 또한 현재 구축되고 있는 다양한 인프라에 따라가지 못하고 있다. 따라서 본 논문에서는 NFC 환경에서의 mCoupon 서비스를 위한 안전하고 효율적인 쿠폰 시스템을 설계하고 구현한다.