• Proceedings of the Korea Information Processing Society Conference
• /
• 2015.10a
• /
• pp.737-739
• /
• 2015

최근 생체인식 기술을 응용하여 적용되는 분야들이 다양하게 증가함에 따라 생체인식에 대한 적용도 모바일 결제 시스템, 지능형 CCTV, 출입국심사, 출입통제 등 다양하게 시도되고 있다. 생체인식에는 지문인식에 이어 얼굴인식에 대한 연구가 활발히 이루어지고 있는 가운데 얼굴인식 기술에 설명과 동향 및 시장동향과 국내외 표준화 현황에 대해 알아보고자 한다.

• Proceedings of the Korea Information Processing Society Conference
• /
• 2013.11a
• /
• pp.871-874
• /
• 2013

기존 PC에서 발생되는 악성코드가 안드로이드 모바일 플랫폼에서 스미싱 어플리케이션으로 급증하고 있다. 스마트 폰 사용자는 SMS에 의해 악성코드를 설치하게 되며, 악성코드가 소액결제 서비스 인증번호를 가로채어 C&C 서버 등으로 송신함으로써 30 만원 이내의 금전적 손해를 일으키게 된다. 본 논문에서는 GCM(Google Cloud Messaging)과 MDM(Mobile Device Management)을 이용하여 사용자의 스마트 폰에서 동작하고 있는 악성 어플리케이션을 탐지하고, 악성 행위를 통제시키며 사용자로부터 직접 어플리케이션을 삭제하길 권하는 시스템을 설계하여 제안하고자 한다.

• The Journal of Information Systems
• /
• v.27 no.2
• /
• pp.115-134
• /
• 2018

Purpose In recent years, mobile payment service users have been rapidly increasing. Previous researchers focused on the mobile usage situation such as the elements of mobile payment service, usage pattern, and user behaviors, and the research that is approached from the viewpoint of the user is still insufficient. The aim of this study is to suggest a acceptance-resistance motivation model of choosing a mobile payment service based on the Herzbergs Two-Factor Theory by investigating users' motivation and hygiene factors. Design/methodology/approach For the purpose, literature reviews on factors of choosing a mobile payment service were conducted and classified motivation and hygiene factors. Two hypotheses were set as follows: Hypothesis I is that motivation factors have a positive impact on the choice of mobile payment service, and Hypothesis II is that hygiene factors have a negative impact on the choice of mobile payment service. To test two hypotheses, this study conducted an online questionnaire survey and a multivariate discriminant analysis. Findings The result found that mobile payment service is more likely to be replaced with mobile by improving convenience, simplicity, and ease of use that affect the acceptance motivation of mobile payment service. This result supported the Hypothesis I but not Hypothesis II and contributed to provide implications for future mobile payment service development and marketing utilization.

• Broadcasting and Media Magazine
• /
• v.18 no.1
• /
• pp.89-104
• /
• 2013

다양한 스마트기기 간 및 앱(Application) 간 연동을 통한 스마트미디어 생태계 환경에서 애플(Apple), 구글(Google), 마이크로소프트(Microsoft) 등 SW(Software) 기반 OS(Operating System) 플랫폼들은 개별 체제 강화를 더욱 견고히 하고 있다. 생태계 내 타(他) 구성원들은 이들에 의한 제약이 더욱 심해지자, 웹 문서의 표준화(HTML5)나 클라우드 컴퓨팅(Cloud computing) 같은 개방화된 기술들을 환영한다. 실제로 최근 웹 애플리케이션(Web application) 개발과 개발자들의 OS 플랫폼 이탈은 이러한 변화의 단면을 보여주기 시작했다. 본 고는 SW 중심에서 서비스 중심으로 이동 중인 플랫폼 경쟁 환경에서 네트워크를 보유 중인 방송통신사업자들의 새로운 스마트미디어 전략 방향을 제시하는데 그 목적을 둔다. 이를 위해 두 가지 기술적 배경인 HTML5와 클라우드 컴퓨팅 기술들을 살펴본 후, 그 동안 SW 중심 플랫폼 경쟁 환경에서 주도권을 빼앗겼다고 깨달은 방송통신사업자가 취해야 할, 두 가지 새로운 기술적 환경에서의 스마트미디어 전략을 제시하였다. 분석 결과, HTML5가 모바일 분야의 핵심 기술이 될 전망이지만, 단기적으로는 여전히 미성숙 문제가 제기될 것으로 보이며, 기존 경쟁력을 유지하려는 OS 사업자들의 가치사슬 통합 전략이 가시화되고 있는 환경이 목격된다. 또한, 클라우드 서비스 제공도 이미 이들 OS사업자들의 기존 생태계 유지를 위한 핵심 툴로 이미 활용되기 시작했다. 그럼에도 불구하고 HTML5와 클라우드 컴퓨팅은 방송통신사업자들에게 생태계 주도권을 탈환할 수 있는 중요한 기술로 인식되고 있다. 따라서 본 연구에서는 이를 기반으로 세 가지 이용자 경험인 '경계 없는', '동질적인', '끊김 없는' 이용자 경험(User Experience) 제공을 위해 노력하는 선도적인 사례 탐색이 시도되었으며, 이를 통해 방송통신사업자들의 미래 스마트미디어 전략 방향이 도출되었다. '경계 없는' 서비스에서는 구글, 애플 외의 멀티OS 전략과 기존 OS의 앱 서비스 대항마인 아마존(Amazon), 페이스북(Facebook) 등과의 적극적 서비스 제휴, '동질적인' 서비스에서는 클라우드 기반 주요 콘텐츠 플랫폼 제휴와 방송통신 가입자 기반의 All-IP기반으로의 확대, 마지막으로 '끊김 없는' 서비스에서는 SNS, LBS, 가상현실 등과의 매쉬업(Mash-up)과 의료, 금융 등과의 융합서비스 개발을 통한 스마트홈 전략 추진, 인증 및 결제시스템의 개방화 등이 제시되었다.

• Journal of Information Technology Services
• /
• v.13 no.4
• /
• pp.245-254
• /
• 2014

Payment system is defined as the various contracts and operating facilities for the transfer of monetary value to clear the relationship between credit and debt. Payment systems essentially require the efficient and reliable operations. Card-based payment systems are developed practically and creatively in accordance with the progress of ICT. Especially in mobile environment with intelligent mobile devices such as smart-phones and tablets, a variety of payment services are provided. Existing card-based payment services are configured by the payment transaction initiated by the merchants card acceptance and then swiping into the CAT (Card Authorization Terminal) to begin the transaction. The merchant initiated payment services are now applied to the Wireless CAT (W-CAT) for mobile environment. That kind of payment services cause many problems such the illegal card information leaks and the lingering threat of W-CAT theft. Also, the use of many W-CATs increased cost to the merchant. In this paper, we propose the card holder initiated card payment system using the intelligent mobile devices in mobile environment for solving problems of the existing merchant initiated card payment system and coping effectively with the activation of a wireless data network and changes of information technology.

• Journal of Korea Society of Digital Industry and Information Management
• /
• v.15 no.4
• /
• pp.51-62
• /
• 2019

Recently, as the number of Smart Phone users increase, the simple payment system has been able to make payments using only card information such as a registered password without extra authorized certificate authentication or input of card information. In this paper, it will examine and analyze simple payment system provided by IT companies and financial institutions and the simple payment system that operates global online payment system by case view of operational direction. Then with this examination, it will study ways to improve the problems with terms of convenience and stability in terms of users. In this paper, it will analyze the inconvenient problem in using the QR code system that recently introduced and will propose solutions. Also, it will propose suggestions to solve inconvenience that caused by system that supports NFC simple payment terminal in Korea is not universalize by analyze case study on the overseas simple payment system. It will also propose opinions on the matters that customer having responsible for event of a small financial accident related to loss or theft when using the simple payment system. Then it will suggest expected requirements to prepare new security technical countermeasures and solve the conditions of meeting expectation satisfaction of users.

• Journal of Convergence Society for SMB
• /
• v.5 no.3
• /
• pp.9-13
• /
• 2015

With the advance of ICT, the necessity of user authentication to verify the identity of an opponent online not face to face is increasing. The authentication, the basis of the security, is used in various fields. Because ID-based authentication has weaknesses in terms of stability and losses, two or more than two authentication tools are used in the place in which the security is important. Recently, biometric authentication rather than ID, OTP, SMS authentication has been an issue in terms of credibility and efficiency. As the fields applied to current biometric recognition technologies are increasing, the application of the biometric recognition is being used in various fields such as mobile payment system, intelligent CCTV, immigration inspection, and access control. As the biometric recognition, finger print, iris, retina, vein, and face recognition have been studied actively. This study is to inspect the current state of domestic and foreign standardization including understanding of the face recognition and the trend of technology.

• Journal of Korean Society for Quality Management
• /
• v.46 no.3
• /
• pp.625-640
• /
• 2018

Purpose: The scale of a market of mobile payment which was insignificant is explosively being improved by development of various communications technology and achieving rapid diffusion of smart phone. According to this phenomenon, new method of financial dealings through a mobile can be seen as a new paradigm that leads to a change of existing payment work and also recognized as an innovation of information technology. Methods: but a study regarding whether the use of mobile payment service takes an important role as an influencial factor is still insufficient. This study was based on the model of innovation resistance by Ram(1987) and established a hypothesis and a model to confirm how four factors (usability, security, economic feasibility, responsiveness) influence to innovation resistance and the intention of discontinuous use. Results: usability, security were found to be significant predictor variables of innovation resistance to use mobile payment system, but economic feasibility, responsiveness were not found to be significant predictor variables. Conclusion: Providing gave a theoretical foundation for future research in that it presents the variables to consider new forms of mobile payment services, the mobile payment services will need to show a differentiated strategy and traditional marketing strategy.

• Journal of Korea Society of Industrial Information Systems
• /
• v.16 no.5
• /
• pp.163-171
• /
• 2011

In e-commerce environment, security should be considered as an essential factor for success. In this paper, we analyze security requirements for e-commerce system, and it is focused on the practical usage, not theoretical contribution, in the field of e-commerce security. To identify the security requirements being specific to e-commerce environment, the researches related to e-commerce security are surveyed and a phase of Delphi method and Analytic Hierarchy Process(AHP) are used to determine the relative importance of e-commerce security factors. Since researchers and practitioners can have significantly different views because of each different work environment, we divide the professionals into two respondents' group. This survey result can be useful security guidelines in the development of e-commerce service system from the initial system development step to the completion.

• KIPS Transactions on Software and Data Engineering
• /
• v.5 no.12
• /
• pp.671-676
• /
• 2016

Recently, according to the limelight of Fintech, simple payment using biometric at smartphone is widely used. In this paper, we propose a new contactless biometric method using thumb image without additional sensors unlike previous biometrics such as fingerprint, iris, and vein recognition. In our method, length, width, and skin texture information are used as features. For that, illumination normalization, skin region segmentation, size normalization and alignment procedures are sequentially performed from the captured thumb image. Then, correlation coefficient is calculated for similarity measurement. To analyze recognition accuracy, genuine and imposter matchings are performed. At result, we confirmed the FAR of 1.68% at the FRR of 1.55%. In here, because the distribution of imposter matching is almost normal distribution, our method has the advantage of low FAR. That is, because 0% FAR can be achieved at the FRR of 15%, the proposed method is enough to 1:1 matching for payment verification.