• Proceedings of the Korean Society for Quality Management Conference
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• 2004.04a
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• pp.365-370
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• 2004

최근 모바일에 대한 관심이 늘어나고 있으며, 그 중에서도 핸드폰을 통한 거래는 소액거래 임에도 불구하고 규모가 접점 커지고 있는 실정이다. 그러나 현재 모바일 커머스에 대한 연구는 미비한 실정이다. 특히 모바일 소액결제 시스템에 대한 연구는 거의 없는 실정이다. 따라서 본 연구에서는 모바일 결제시스템 중에서 소액결제를 중심으로 서비스 품질모형을 평가하고자 한다. 이를 위해 본 연구에서는 기존의 서비스품질을 측정하는 지표인 SERVQUAL을 이용하여 이를 평가하고자 한다.

• Review of KIISC
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• v.23 no.2
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• pp.55-65
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• 2013

스마트폰, 태블릿 PC 등 2010년부터 폭발적으로 보급 확산된 스마트 디바이스의 영향으로 모바일 결제 분야에 가장 핫이슈로 떠오른 기술이 바로 NFC (Near Field communication) 기술이다. 사실, NFC 기술은 2004년부터 표준이 개발되었지만 이를 적용할 디바이스 및 서비스의 부재로 활용이 되고 있지 않다가 2011년 구글이 구글 월렛 서비스를 시작하면서 본격적으로 NFC 기반 서비스가 적용되기 시작하였다. 국내에서도 2011년 11월 명동 NFC 존 시범 사업을 통해 모바일 결제, 스마트 포스터, 스마트 주문 등 다양한 NFC 기반 서비스를 추진하였다. 이렇듯 국내외에서 다양한 NFC 기반 서비스 발굴 및 활성화에 노력을 기울이고 있기는 하지만, 보안을 고려하지 않은 서비스 제공 시 이에 대한 사고 피해는 상상을 초월할 수 있다. 특히, NFC 기반 서비스의 대부분이 사용자의 금전적 결제를 요구하는 서비스라는 점이 이를 입증해준다. NFC 기술 자체에는 보안 기능이 일부 포함되어져 있기는 하지만 NFC 기반 서비스별 보안 취약점이 존재할 수 있다. 이에 따라, 본 논문에서는 NFC 기반 서비스별 보안 위협 취약점 분석 및 해당 위협 및 취약점에 대한 기술적 제도적 보안 대책 등을 제시한다.

• Convergence Security Journal
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• v.16 no.7
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• pp.13-19
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• 2016

Recently one of the main keywords representing of Korea is O2O The O2O market is an intersection of online commerce and offline commerce. The spread and popularization of smartphones transform payment market environment from online-based(PC) to mobile-based(Smartphone) which enable payment service expanses to on/off-line both markets. Due to this movement, data security is mo vulnerable than online-based payment service but the preference of serviceability, security threat becomes bigger.O2O service expansion is now at the stage of beginning with the limited influence, but could affect to the establishment of on/off line payment system of VAN and PG in the future. However, in the moment, the motivation to destruct the system is still weak. In this research, the possibility of Non-PG mobile payment service was suggested as a new way of mobile payment service by using PG. With suggestion, it could eliminate the issues of payment method beforehand and provide low fee to merchants.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.20 no.6
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• pp.1096-1102
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• 2016

Various services have been provided due to the recent development of IT technology and widespread usage of smartphones. In recent years, Fintech service that provides financial services through mobile devices has been the trending issue. However, mobile payment services haven't been widely used. The risk factors that appear when users seek to utilize a service, in particular, is one of the biggest hinderance in the expansion of mobile payment services. The failure of gaining the trust of the consumers appear to be the continuing hinderance factor. Therefore this study is to analyse the impact of perceived risk factors on trust and continuance intention of mobile payment services. For the research purpose, we conducted survey and the research results show that most of perceived risk factors have influence on trust and continuance intention except on the impact of perceived financial risk on trust.

• Journal of KIISE:Computing Practices and Letters
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• v.12 no.6
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• pp.367-378
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• 2006

A mobile phone has became as a payment tool in e-commerce and on-line banking areas. This trend of a payment system using various types of mobile devices is rapidly growing, especially in the Internet transaction and small-money payment. Hence, there will be a need to define its standard for secure and safe payment technology. In this thesis, we consider the service types of the current mobile payments and the authentication method, investigate the disadvantages, problems and their solutions for smart and secure payment. Also, we propose a novel authentication method which is easily adopted without modification and addition of the existed mobile hardware platform. Also, we present a simple implementation as a demonstration version. Based on virtual machine (VM) approach, the proposed model is to use a pseudo-random number which is confirmed by the VM in a user's mobile phone and then is sent to the authentication site. This is more secure and safe rather than use of a random number received by the previous SMS. For this payment operation, a user should register the serial number at the first step after downloading the VM software, by which can prevent the illegal payment use by a mobile copy-phone. Compared with the previous SMS approach, the proposed method can reduce the amount of packet size to 30% as well as the time. Therefore, the VM-based method is superior to the previous approaches in the viewpoint of security, packet size and transaction time.

• Journal of Convergence Society for SMB
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• v.5 no.3
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• pp.15-20
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• 2015

There have been consumer needs for mobile payment system due to the rapid increase in the number of smartphones and the use of them. In tum, the market has been expanding as IT companies begin to participate in the mobile payment system business. Moreover, since the system supports better services not only covering payment service but also interworking with various apps in devices, it has been maximizing the consumer convenience. Although the convenience increased due to the mobile payment system, the vulnerability in security also increased; and smartphone users have been afraid of using the mobile payment system. This study is to examine Samsung Pay and Apple Pay, to present the vulnerability, and to suggest a countermeasure.

• Annual Conference of KIPS
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• 2004.05a
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• pp.527-530
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• 2004

무선인터넷의 비약적인 발전에 힘입어, 이동통신 단말기를 위한 이동통신서비스가 급격히 증가하고 있다. 특히 온라인이나 오프라인상에서 물품을 판매하거나, 정보서비스를 제공하는 무선전자상거래 시장이 빠른 속도로 성장하고 있으며, 무선전자상거래가 성공적으로 이루어지기 위한 무선 결제 시스템이 요구되기 시작하였다. 기존의 무선 결제 시스템은 스마트 카드를 이동통신 단말기에 탑재하여 결제하는 방식이었으며, 반드시 스마트 카드를 이동통신 단말기에 탑재해야 하는 번거로움과 제 3 자에 의한 오남용을 막을 수 없는 단점을 지니고 있다. 본 논문에서는 소프트웨어 다운로드 솔루션을 기반으로 한 GVM(General Virtual Machine)상에서 실행될 수 있는 모바일 C 기반의 무선 결제 시스템을 제안하고자 한다. 제안하는 무선 결제 시스템은 모두 3 개의 모듈로 구성되어 있으며, 개인 정보 관리 모듈에서는 공인인증서와 개인의 신용정보를 단말기에 다운로드 받아 저장한다. 사용자 상호 작용 모듈에서는 유저 인터페이스를 통하여 결제금액과 개인 인증 번호를 입력 받으며, 암호화 모듈에서는 공인인증서의 암호화 알고리즘을 적용하여 결제금액과 개인 인증 번호를 암호화한 후 서버로 전송한다.

• Journal of the Korea Society of Computer and Information
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• v.9 no.1
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• pp.103-109
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• 2004

Mobile payment service is a new innovating technology in the micro payment industry. Although it emerged only one or two years a9o in Korea, it is now highly used and prospered by many online companies. Traditional studies concerning the electronic payment system are usually about the payment process itself, so they stressed the security or the robustness of the process. The study from the angle of behavioral science seldom exists. This article describes the phenomenon of technology adoption with a particular focus on telephone Payment service. The article identifies which characteristic of the telephone payment service affects to the user status (user, non-users). To do this, this article mainly used Roger's Technology Acceptance Model and some characteristics are added to the model. The most important perceptual characteristic that affects to the user status was not security, but ease of use-the telephone payment service had to enhance continuously for the competitive advantage over the other payment service. Observability and convenience are also noted as important.

• Journal of Satellite, Information and Communications
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• v.11 no.1
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• pp.12-15
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• 2016

Recently, with the pintech fever, competition among global IT companies in the mobile payment market is becoming more competitive. In this paper, we analyze the mobile payment technology trends. We describe the features, technical advantages and disadvantages for each mobile payment type using the short range communication and analyze the characteristics of each mobile payment services of the global market leader Apple, Samsung and Google has launched. Since the rapid growth in the mobile payment market is expected, the study of a variety of short range communication and security technology is considered to be necessary in order to provide more stable service.

• 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.