• The KIPS Transactions:PartD
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• v.11D no.2
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• pp.485-494
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• 2004

Recently, the wireless internet terminals like mobile phones or PDAs prevail in the management of customers. With such terminals, businessmen can get business data and information of customers in real time, in connection with mobile group wares. By the wireless terminals, customers can conveniently get information of goods, search purchase sites, and give orders and do settlement. This paper aims to present the safe data integrity modules of the wireless internet terminal, for service providing correct real-time promotion information, by using users' disposition, situation, Purchase information. This study aims to suggest an implementation methodology of security module for data integrity of mobile internet terminal. This is based on the WTLS of WAP Protocol. This security module is expected to achieve central role in conversion of wireless internet environment and emphasis of encryption technology and safe and calculable wireless communication environment construction

• Management & Information Systems Review
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• v.35 no.3
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• pp.213-230
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• 2016

In O2O environment(Online-to-Offline), providers attract new customers via web sites and lead them to pay online, then induce them again to offline when receiving products. Thus, online and offline channel is integrated and create synergy for marketing in O2O context. As online and offline channel coexist in O2O, consumers' perceptions for products and services that providers offer cannot help being different compared to an independent channel (i.e., either online or offline). Therefore, this research aims to develop the O2O service quality model(O2O-SQ model). Especially, O2O is the unique environment where offline, online, and mobile commerce are integrated so that the current paper suggests the $1^{st}$ O2O-SQ model by integrating the common factors of offline, online, and mobile service quality model through the previous literature review. Hence, this study conducts FGI(Focus Group Interview) for customers who have experienced in purchasing products in O2O commerce. Among integrated common service quality factors of $1^{st}$ O2O-SQ model, the current paper identifies the specific service quality factors that customers perceive significantly through FGI analysis. Moreover, after extracting the unique O2O-SQ factors with this qualitative analysis and integrating with the $1^{st}$ O2O-SQ model, the paper develops the final O2O-SQ model.

• Information Systems Review
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• v.23 no.3
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• pp.177-200
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• 2021

Recently, the use of prepaid electronic payments such as electronic wallets, digital currency and prepaid points is gradually increasing. Prepaid electronic payments has the characteristic of being used after charging first. This study empirically investigated the factors affecting the intention to use online charging in order to help improve the service that require prepaid recharge by applying transformed TAM. Since there are not many previous studies for the intention to use online charging, we extract factors through preceding researches for electronic cash and mobile easy payment. Also we analyze the intention to use online charging for transportation card users, focusing on the moderating effects. As a result of the study, it was found that 'convenience', 'ubiquity', and 'self-efficacy' among the independent variables had a positive (+) effect on mediation variable 'perceived usefulness'. 'Perceived usefulness' was analyzed to have a significant influence on the dependent variable 'usage intention'. According to users' gender, internet usage time, internet shopping frequency, online charging frequency and transportation card usage type, the moderating effect was significant on 'perceived usefulness' and 'usage intention'. As an implication, it was suggested that service improvement and differentiated marketing are needed in direction of increasing the usefulness of services. Additional research directions were proposed for services such as e-wallets, prepaid points and digital currencies by adding other factors and moderate variables.

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

• Journal of Information Technology Services
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• v.15 no.2
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• pp.185-201
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• 2016

Recently, due to the rapid development of IT (information technologies), a variety of attempts have been made to incorporate IT into other fields such as finance and manufacturing. Among them, a novel concept in the spotlight is FinTech, which is a combined word of finance and technology. FinTech is a line of business demonstrating an innovation development through IT in the financial service industry. One of the most popular types of FinTech is a third-party mobile payment service (MPS), the examples of which can be easily found in South Korea while the actual use of the service is relatively inactive. Therefore, the main purpose of this paper is to empirically investigate influencing factors of intention to use the third-party MPS. Based on individual characteristics and the task-technology fit model, the research model of the study is developed, with switching cost included as a moderating variable. The results of structural equation model testing with 316 potential users of Kakao Pay, one of the most popular business models of the third-party MPS, show that innate innovativeness, task characteristics, and technology characteristics are positively influencing task-technology fit, which in turn significantly affects intention to use the third-party MPS. The negative moderating role of switching cost is also found. These results could help managers develop better strategies to motivate potential users to participate in their services.

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

• Journal of Convergence Society for SMB
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• v.6 no.2
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• pp.19-24
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• 2016

A Study on the Information Security System of Fin-Tech Business In traditional electronic commerce, there have not been severe issues of trading information through documents in paper or the closed EDI. The scale of e-commerce has increased as internet develops, however, turning to the online e-commerce, which caused a number of issues such as authentication, information forgery, and non-repudiation between the parties. To prevent conflicts from such troubles and perform the post management, security technologies are applied throughout the process of e-commerce, certificates intervening. Lately, meanwhile, FinTech has been creating a sensation around the mobile payment service. Incidents of information leakage from card corporations and hackings imply the need of securing safety of the financial service. Development and evolution of FinTech industry must be accompanied by information protection. Therefore, this research aims to inquire into the information security system of leading FinTech company in a foreign country.

• Journal of Convergence Society for SMB
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• v.5 no.3
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• pp.9-13
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• 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 the Korea Society of Computer and Information
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• v.17 no.1
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• pp.171-181
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• 2012

This paper defines the AES password algorithm used as a symmetric-key-based password algorithm, and proposes the design of parallel password algorithm to utilize the resources of multi-core processor as much as possible. The proposed parallel password algorithm was confirmed for parallel execution of password computation by allocating the password algorithm according to the number of cores, and about 30% of performance increase compared to AES password algorithm. The encryption/decryption performance of the password algorithm was confirmed through binary comparative analysis tool, which confirmed that the binary results were the same for AES password algorithm and proposed parallel password algorithm, and the decrypted binary were also the same. The parallel password algorithm for multi-core environment proposed in this paper can be applied to authentication/payment of financial service in PC, laptop, server, and mobile environment, and can be utilized in the area that required high-speed encryption operation of large-sized data.

• Journal of Information Technology Services
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• v.16 no.2
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• pp.139-156
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• 2017

Since the global financial crisis of 2008, the continuous development and innovation in technology-related fields such as information and communications technology (ICT) are likely to swim against the recession. In this paradoxical situation, the necessity of financial innovation through ICT is on the rise. For this reason, the appearance of Fintech is more meaningful as a new converged industry with the potential to lead financial innovation. The term of Fintech is derived from combining 'Finance' and 'Technology.' In South Korea, one of the most popular types of Fintech is mobile payment. KakaoPay, which is the first mobile easy payment service in Korea, is a much more simplified type of mobile payment service than ones used in the past, and is provided by the most popular mobile messenger service in Korea, KakaoTalk. However, KakaoPay has few active users in spite of its many advantages, which include convenience, simplicity, and a powerful platform. Thus, the main purpose of this paper is to investigate influencing factors of user resistance on KakaoPay. In order to investigate specific factors, a research model is developed based on the unified understanding of user resistance put forth by Laumer and Eckhardt (2012). After gathering online survey data from KakaoTalk users, an empirical analysis is conducted to verify this research model. The results of this study give insights regarding user resistance factors in the Fintech sector, and by so doing, it is expected that the important factors of user resistance could help the diffusion of new services when new mobile payment services appear in the near future.