• Journal of Convergence Society for SMB
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• v.5 no.4
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• pp.25-30
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• 2015

Recently, interest in Fin-Tech, a compound word of finance and technology, has been increased. However, Fin-Tech that is a mixture of finance and IT is exposed in terms of security. In this paper, we propose a method to solve the security-related problem that occurs in the financial sector where the Fin-Tech is used. Proposed method found out different problems of services which are provided by companies through a variety of financial sectors and described a method to facilitate the security service. In particular, proposed method presents a service plan to secure safety and to minimize the damage. Also, proposed method set an objective to stabilize financial services based on analyzed result after analyzing the problems of existing FinTech security services.

• The Journal of Information Systems
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• v.28 no.2
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• pp.181-200
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• 2019

Purpose In order to find out the influential factors to accept the mobile convenient payment service like Apple pay or Samsung Pay based on the Unified Theory of Acceptance and Use of Technology according to the type of High and Low value payments. Design/methodology/approach This research model is designed on the factors of Unified Theory of Acceptance and Use of Technology and simultaneously analysed, or performed the empirical analysis of the PLS-SEM(Partial Least Squares structural equation model) in order to forage for the association among mobile convenient payment service's features. Findings According to the empirical analysis consequence, this research confirmed that the adoption of mobile convenient payment services is influence by features on the basis of Unified Theory of Acceptance and Use of Technology, mobility, and trust. Also, this paper figure out that the behavior of an user acceptance of mobile convenient payment services according to the type of high and low value payments.

• Review of KIISC
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• v.26 no.4
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• pp.41-46
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• 2016

전통적으로 바이오인식기술은 출입국심사(전자여권, 승무원 승객 신원확인), 출입통제(도어락, 출입통제 근태관리), 행정(무인민원발급, 전자조달), 사회복지(미아찾기, 복지기금관리), 의료(원격의료, 의료진 환자 신원확인), 정보통신(휴대폰 PC 인터넷 인증), 금융(온라인 뱅킹, ATM 현금인출) 등 다방면에서 폭넓게 보급되어 실생활에서 널리 활용되고 있다. [그림1]은 신체적 특징(Physiological biometrics)과 행동적 특징(Behavioral biometrics)을 이용한 사용자 인증기술인 바이오인식기술의 유형과 함께 각 기술별 보안취약점(괄호 안 빨강색글자)을 나타내고 있다. 최근 들어, 모바일 지급결제서비스 ATM 인출기 인터넷전문은행 등과 같은 핀테크 분야에서 비대면 인증기술로 바이오인식기술이 각광을 받기 시작했다. 한편, 가짜지문 등 기존의 신체적 특징을 이용한 바이오인식기술의 위변조 위협에 대한 우려 존재함에 따라 뇌파 심전도 근전도 맥박 등 살아있는 사람의 행동적(신체의 기능적) 특징을 이용한 생체신호를 이용하여 비대면 인증기술로서 활용하기 위하여 주요 선진국에서 차세대 바이오인식 기술개발이 가속화되고 있는 추세이다.[1] 또한, 이러한 생체신호는 최근에 삼성전자, LG전자, 애플 등에서 스마트워치를 통해 심장박동수를 측정하고 스마트폰을 통하여 모바일 지급결제, 헬스케어 등과 같은 IoT 모바일 융복합 응용서비스에 활용될 전망이다. 본고에서는 뇌파 심전도(심박수)와 같은 생체신호를 측정하는 스마트워치 밴드형 의복형 또는 패치형태의 웨어러블 디바이스와 같은 생체신호센서, 생체신호 인증기술 및 관련표준화 동향을 고찰해 보기로 한다. 국내외 관련기술과 표준화 동향을 면밀히 분석하여 지난 2015년 5월29일에 발족한 국내외 전문가그룹인 KISA"모바일 생체신호 인증기술 표준연구회"(이하 KISA 표준연구회)가 구심점이 되어 한국형 생체신호를 이용한 차세대 텔레바이오인식기술에 대한 연구개발과 국내외 표준화 추진에 박차를 가할 계획이다.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.20 no.12
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• pp.2379-2386
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• 2016

This study conducted an analysis using IPA metrics targeting college students to get strategic implications for marketing in the recently fast-growing mobile shopping market. The IPA analysis result about the selection of mobile shopping malls is as follows. First, out of the 21 features, 'reliability of the offered products(6.09)' had the highest level of importance and 'convenience of payment(5.29)' had the highest level of performance. Second, in the area of 'Doing great, Keep it up' 11 features were included such as 'convenience of payment' and 'reliability of the offered products'. Third, the feature that needed to be corrected in the area of 'Focus here' was 'shortening the waiting time for exchange, refund or warranty service'. Fourth, low priority areas in terms of importance and performance, there were 3 features including 'push/notification helps purchases'. Fifth, to the area of 'overdone' 4 features belonged such as 'variety in the type of products'.

• 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.

• Knowledge Management Research
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• v.18 no.4
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• pp.159-180
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• 2017

The rapid development of information technology has affected many industries, and made consumers receive new services that are completely different from those of the past. In the financial industry, various changes are taking place, such as providing the payment system which is easy to use and offering differentiated services. This study examined the factors affecting the intention to use mobile payment system. In particular, we considered both practical and emotional factors that affect the intentions. The mobile payment system, which is a new form of payment, is rapidly developing in China. In Korea, it is still in the beginning stage due to the legal regulations and the activation of alternative payment methods. This study, therefore, compared the differences in factors that affect the intention to use mobile payment system between Korea and China.

• Proceedings of the Korea Contents Association Conference
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• 2015.05a
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• pp.355-356
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• 2015

인터넷 뱅킹 등록 1억 명 날로 확대, '급격한 기술변화에 대처하고 미래를 선점하는 게 기업의 운명을 결정한다.'라는 말이 실감나는 핀테크혁명의 세상이다. 금융과 기술의 융합을 뜻하는 핀테크(Fin Tech)는 세계 금융의 화두가 되었다. 삼성, 엘지, 다음카카오, 구글, 애플, 아마존, 이베이 등 정보기술(IT)기업들은 결제 송금 투자 대출 등 금융서비스로 사업범위를 확장하고 있다. IT로 진화된 금융 산업이 지난 100년보다 앞으로 10년 동안 더 큰 변화를 맞을 패러다임 변환기를 맞아 미래의 금융주도권을 놓고 금융사와 IT기업 간 경쟁이 치열해질 것이다. 현재 모바일 결제가 일반화되고 있는 핀테크 서비스 현황 및 미래경쟁력에 대하여 연구한다.

• Smart Media Journal
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• v.2 no.3
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• pp.54-61
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• 2013

NFC is a Near Field wireless Communication technology, comes to the fore as an important technology of Mobile Payment System with supply of devices and diffusion of services. Because of the fact that the NFC retail payment services, ticketing, smart cards are able to operate in one device, it(NFC Technology) can make disclosure of personal information and security risks. Thus, the problem of security in NFC technology is essential, and the need for research on security threats are increasing. In this paper, we wil analyze for NFC's vulnerabilities and security technology.

• Proceedings of the Korea Information Processing Society Conference
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• 2015.10a
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• pp.829-831
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• 2015

현재 유비쿼더스(Ubiquitous)시대의 환경에 걸맞게 무선통신 기술이 빠르게 발달 하면서 모바일 결제나 많은 서비스들을 보다 빠르고 쉽게 제공받을 수 있는 환경에 접어들었다. 이러한 환경을 제공해주는 무선 근거리 통신 기술 중 비콘은 가까운 범위 안에 있는 사용자의 위치를 찾아 광고서비스, 상황인식서비스, 결제서비스 등 많은 서비스를 제공 받을 때 비콘과 스마트폰은 간단한 인증절차를 밟는데 있어 취약하다는 문제점이 야기되고 있다. 본 논문에서는 보안이 취약한 부분을 GPS 기술과 IDS 기술을 이용하여 보다 안전한 인증을 제안한다.

• Journal of Digital Convergence
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• v.13 no.7
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• pp.333-340
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• 2015

Mileage system in some online media, I have a lot of use. In addition, there are a lot of companies that are making money by using the mileage system. A mileage system is the first airline in such a way that the service in the late 1980s, many states now listed sungineung and features. In addition, there are many industries that reported good results using a mileage system used by carriers in other industries. However, mileage of the current game industry has not been introduced, it is not the service by using the concept of point returning to the user is purely a function of mileage. So a lot of developed payment systems in the mobile industry since 2010, proposed a better and more current online payment systems industry has an easy hybrid revenue model for mobile games service convergence mileage using this system.