• Convergence Security Journal
• /
• v.2 no.2
• /
• pp.29-38
• /
• 2002

Everyday demand of wireless internet is increasing. Security problem is certainly resolved for wireless internet activation. Especially problem is only wiretap in mobile communication with voice, but problems, user authentication, data integrity guarantee etc., are resolved in data-services that have commercial transaction over simple data information service such bill, banking. Necessity of wireless PKI that can offer security service likely in wired environment is requested for offering security service in wireless environment. For offering security services, confidentiality, integrity, non-repudiation etc, that of offered in wired environment in wireless environment, first it must construct wireless PKI infrastructure and do service activity. This paper analyze various wireless internet technology for offering safe wireless internet service and wireless PH standards. Performance Result of this paper expect activity of safe wireless PH service and activity of electronic commercial transaction used wireless internet such banking service, bill transaction, online shopping.

• Review of KIISC
• /
• v.15 no.4
• /
• pp.44-49
• /
• 2005

전자금융거래를 포함하여 안전한 전자거래 기반 마련을 위해 1999년 7월 1일 전자서명법의 시행과 더불어 시작된 공인인증서비스는 비대칭형(공개키) 암호기술을 기반으로 하는 전자서명(Digital Signature)에 법적 효력을 부여하여, 온라인 전자결제 등 전자거래를 위한 안전한 기반을 마련하여 왔다. 그러나, 최근 정보화의 급속한 발전으로 일반인도 쉽게 해킹툴을 접할 수 있게 되어, 인터넷뱅킹 해킹사고 등 전자금융거래의 안전성이 위협을 받고 있다. 본고에서는 전자금융거래에서 중요한 역할을 담당하는 공인인증서비스의 취약점을 분석하고 공인인증서비스 안전성 강화 방안에 대하여 기술한다.

• Review of KIISC
• /
• v.21 no.7
• /
• pp.53-61
• /
• 2011

최근 들어 초고속 인터넷서비스의 보편화, 무선통신망의 고속화 및 스마트폰 등 새로운 정보통신매체 등이 보급 활성화됨에 따라 인터넷 뱅킹, 사이버 트레이딩 등 전자금융서비스가 보편화되고 이용률이 해마다 급증하고 있다. 이처럼 전자금융의 대중화 및 활성화로 인해 전자금융사고에 의한 이용자의 금전적인 손실은 해당 금융기관의 신뢰도 하락과 경영상 피해 등 과거보다 더 심각한 영향을 줄 수 있다. 따라서 본 논문에서는 다변화하는 전자금융 환경에 대해 살펴보고 인터넷, 모바일 및 자동화기기 등 전자금융에서 발생한 또는 발생 기능한 보안위협을 분류함으로써 향후 이를 기반으로 전자금융 서비스 안전성 강화를 위한 대응 방안 연구에 기반이 되고자 한다.

• Journal of Korean Home Economics Education Association
• /
• v.34 no.4
• /
• pp.77-92
• /
• 2022

Recently, digital transformation in the financial industry has been accelerated, and it has become an important task to improve the level of utilization of Internet banking by elderly consumers, who are vulnerable to Internet use. Accordingly, this study analyzed 3,101 respondents in their 60s or older from the 11th year of the Media Panel Survey to identify demographic, experiential, and psychological factors that affect the self-efficacy of elderly consumers' usage of Internet banking. The main research findings are as follows. First, gender, education, occupation, and income were identified as demographic variables. Second, the Internet shopping experience was identified as an experiential factor. Also, concerns about information security, digital literacy, and high will for problem-solving were identified as psychological factors. Third, as a result of the moderating effect analysis on whether the experiential and psychological factors have different influences according to the group divided into the 60s and 70s, the effect on self-efficacy in the usage of the Internet was classified by age. The results of this study will be able to enrich the discussions related to the intention to utilize technology among elderly consumers by empirically revealing that there are characteristics that cause differences in financial behavior even within one group called the elderly.

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

• The Journal of the Institute of Internet, Broadcasting and Communication
• /
• v.12 no.3
• /
• pp.195-200
• /
• 2012

Smart Phone devices offer convenience for users, but present a new set of security issues due to loss or malicious code. In this paper, a mobile cloud system environment is used with existing smart phones in an attempt to solve the problems in a banking environment. In order to prevent financial damages due to loss or personal information leakage by malicious code, a mobile cloud computing service that provides control and protection of personal information in environment that ensures individual authentication is used. Existing ID / Password with certificate, with the way smart phone dual password authentication scheme using the gyro sensors proposed.

• The Journal of Korean Institute of Communications and Information Sciences
• /
• v.36 no.8B
• /
• pp.939-946
• /
• 2011

The Internet banking service provides convenience than the traditional offline services. However, it still causes a number of security problems including hacking. In order to strengthen security, the financial institutions have provided such authentication methods as the official authentication certificate, the security token, the security card and OTP. However, the incidents related to hacking have continuously occurred. Especially, various weak points have been suggested for the authentication methods in regard to such types of hacking as the memory hacking or the MITM attack. So I needed was a new authentication method. In this study, the two-channel authentication method which provide two-way authentication on the user's PC and mobile device when executing the electronic financial transactions in the Internet banking environment is suggested. Also, by analyzing it in comparison with other existing methods, it is possible to check that the prospects of safety and credibility are strengthened.

• Digital Contents
• /
• no.10 s.77
• /
• pp.12-17
• /
• 1999

최근 호황을 맞고 있는 사이버 증권에 이어 뱅킹, 보험이 본격 서비스되면서 금융권 전체가 본격적인 변화의 기류를 타고 있다. 금융권은 80년대는 양적 팽창을, 90년대는 구조조정을, 21세기에는 단연 '인터넷 금융'을 거역할 수 없는 대세로 받아들이고 있다. 이에 따라 금융 및 보급 솔루션 제공업체들이 서둘러 제품을 출시하는 등 빠른 행보를 보이고 있다. 국내 사이버 금융의 현황과 IT업계의 움직임에 대해 알아본다.

• The Journal of Information Systems
• /
• v.24 no.2
• /
• pp.209-240
• /
• 2015

Purpose This study investigates the relationships between various attributes of smart banking (convenience, security, convergence, and economy), user features (familiarity and innovativeness), perceived usefulness, trust, satisfaction, and continuance intentions and provides a comparison of Google's Android OS and Apple's iOS. Design/methodology/approach We considered a sample of 245 respondents and used structural equation modeling to analyze the data. Findings The results indicate that convergence and familiarity significantly affected perceived usefulness and that security and economy significantly affected perceived trust in smart banking services. The relationships of security, economy, and innovativeness to perceived usefulness and those of convenience and familiarity to perceived trust were stronger for the Android OS than for iOS. The study contributes by proposing an integrated framework and providing a comparison between the Android OS and iOS in the context of smart banking.

• Journal of Intelligence and Information Systems
• /
• v.27 no.3
• /
• pp.113-137
• /
• 2021

According to the clear potential of mobile banking growth, many studies related to this are being conducted, but in Korea, it is concentrated on the analysis of technical factors or consumers' intentions, behaviors, and satisfaction. In addition, even though it has a strong customer base of 20s, there are few studies that have been conducted specifically for this customer group. In order for mobile banking to take a leap forward, a strategy to secure various perspectives is needed not only through research on itself but also through research on external factors affecting mobile banking. Therefore, this study analyzes impulsiveness, credit card use, and SNS addiction among various external factors that can significantly affect mobile banking in their 20s. This study examines whether the relationship between impulsiveness and mobile banking usage depends on whether or not a credit card is used, and checks whether a customer's impulsiveness is possible by examining whether a credit card is used. Based on this, it is possible to establish new standards for classification of marketing target groups of mobile banking. After finding out the static or unsuitable relationship between whether to use a credit card and impulsiveness, we want to indirectly predict the customer's impulsiveness through whether to use a credit card or not to use a credit card. It also verifies the mediating effect of SNS addiction in the relationship between impulsiveness and mobile banking usage. For this analysis, the collected data were conducted according to research problems using the SPSS Statistics 25 program. The findings are as follows. First, positive urgency has been shown to have a significant static effect on mobile banking usage. Second, whether to use credit cards has shown moderating effects in the relationship between fraudulent urgency and mobile banking usage. Third, it has been shown that all subfactors of impulsiveness have significant static relationships with subfactors of SNS addiction. Fourth, it has been confirmed that the relationship between positive urgency, SNS addiction, and mobile banking usage has total effect and direct effect. The first result means that mobile banking usage may be high if positive urgency is measured relatively high, even if the multi-dimensional impulsiveness scale is low. The second result indicates that mobile banking usage rates were not affected by the independent variable, negative urgency, but were found to have a significant static relationship with negative urgency when using credit cards. The third result means that SNS is likely to become addictive if lack of premeditation or lack of perseverance is high because it provides instant enjoyment and satisfaction as a mobile-based service. This also means that SNS can be used as an avoidance space for those with negative urgency, and as an emotional expression space for those with high positive urgency.