• Title/Summary/Keyword: 신용카드인식

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A Comparative Study on the Recall and Recognition with Sponsor and Non-sponsor in 2008 Beijing Olympic Games : focusing on the case of Korea and China (2008북경올림픽 스폰서 및 비(非)스폰서의 회상(recall)과 인식(recognition) 측정 비교 연구: 한국과 중국을 중심으로)

  • Ha, In-Joo
    • International Area Studies Review
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    • v.13 no.3
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    • pp.613-636
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    • 2009
  • This paper examines the performance of assessing sponsors and non-sponsors recall and recognition at the 2008 Beijing Olympic Games perceived by Korean and Chinese university students. Using a sample of 1,573 respondents, a survey was administered in Seoul and Beijing before and after Games to compare the recall and recognition that changed between two periods. The findings reveal that the effectiveness of the 2008 Beijing Olympic sponsorship has was lower than we expected. Results were founded that while Samsung(mobile), Coca-cola, McDonald's, and Visa achieved the desired sponsorship marketing effectiveness in Korea. On the other hand, non-sponsors of Nike, Dell, AIG, Samsung(computer) and Hyundai led to obtain the benefit and resulted in increasing consumer confusion as to who is a sponsor. In China, Samsung, Coca-cola, Lenovo, Volkswagen, Visa, and PICC achieved the desired sponsorship marketing effectiveness. On the other hand, Lining, Nokia, KFC, China Merchants Bank had some impact on the effectiveness of a rival brand from an official sponsor's product category. The paper concludes by considering some issues for sponsorship marketers.

Facial Feature Verification System based on SVM Classifier (SVM 분류기에 의한 얼굴 특징 식별 시스템)

  • Park Kang Ryoung;Kim Jaihie;Lee Soo-youn
    • The KIPS Transactions:PartB
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    • v.11B no.6
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    • pp.675-682
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    • 2004
  • With the five-day workweek system in bank and the increased usage of ATM(Automatic Toller Machine), it is required that the financial crime using stolen credit card should be prevented. Though a CCTV camera is usually installed in near ATM, an intelligent criminal can cheat it disguising himself with sunglass or mask. In this paper, we propose facial feature verification system which can detect whether the user's face can be Identified or not, using image processing algorithm and SVM(Support Vector Machine). Experimental results show that FAR(Error Rate for accepting a disguised man as a non-disguised one) is 1% and FRR(Error Rate for rejecting a normal/non-disguised man as a disguised one) is 2% for training data. In addition, it shows the FAR of 2.5% and the FRR of 1.43% for test data.

A Study on Profitability of the Allianced Discount Program with Credit Cards and Loyalty Cards in Food & Beverage Industry (제휴카드 할인프로그램이 외식업의 수익성에 미치는 영향)

  • Shin, Young Sik;Cha, Kyoung Cheon
    • Asia Marketing Journal
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    • v.12 no.4
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    • pp.55-78
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    • 2011
  • Recently strategic alliance between business firms has become prevalent to overcome increasing competitive threats and to supplement resource limitation of individual firms. As one of allianced sales promotion activities, a new type of discount program, so called "Alliance Card Discount", is introduced with the partnership of credit cards and loyalty cards. The program mainly pursues short-term sales growth by larger discount scheme while spends less through cost share among alliance partners. Thus this program can be regarded as cost efficient discount promotion. But because there is no solid evidence that it can really deliver profitable sales growth, an empirical study for its effects on sales and profit should be conducted. This study has two basic research questions concerning the effects of allianced discount program ; 1)the possibility of sales increase 2) the profitability of the discount driven sales. In F&B industry, sales increase mainly comes from increased guest count. Especially in family restaurants, to increase the number of guests we need to enlarge the size of visitor group (number of visitors for one group) because customers visit by group in a special occasion. And because they pay the bill by group(table), the increase of sales per table is a key measure for sales improvement. The past researches for price & discount sensitivity and reference discount rate explain that price sensitive consumers have narrow reference discount zone and make rational purchase decision. Differently from all time discount scheme of regular sales promotions, the alliance card discount program only provides the right to get discount like discount coupon. And because it is usually once a month opportunity given by the past month usage level, customers tend to perceive alliance card discount as a rare chance to get. So that we can expect customers try to maximize the discount effect when they use the limited discount opportunity. Considering group visiting practice and low visit frequency of family restaurants, the way to maximize discount effect should be the increase the size of visit group. And their sensitivity to discount and rational consumption behavior defer the additional spending for ordering high price menu, even though they get considerable amount of savings from the discount. From the analysis of sales data paid by alliance discount cards for four months, we found the below. 1) The relation between discount rate and number of guest per table is positive : 25% discount results one additional guest 2) The relation between discount rate and the spending per guest is negative. 3) However, total profit amount per table is increased when discount rate is increased. 4) Reward point accumulation & redemption did not show any significant relationship with the increase of number of guests. These results suggest that the allianced discount program substantially contributes to sales increase and profit improvement by increasing the number of guests per table. Though the spending per guest is decreased by discount rate increase, the total amount of profit per table is improved. It seems the incremental profit by increased guest count offsets the profit decrease. Additional intriguing finding is the point reward system does not have any significant impact on the increase of number of guest, even if the point accumulation & redemption of loyalty program are usually regarded as another saving offers by customers. In sum, because it is proved that allianced discount program with credit cards and loyalty cards is effective to both sales drive and profit increase, the alliance card program could be recommended as strategically buyable program.

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Technique of Range Query in Encrypted Database (암호화 데이터베이스에서 영역 질의를 위한 기술)

  • Kim, Cheon-Shik;Kim, Hyoung-Joong;Hong, You-Sik
    • Journal of the Institute of Electronics Engineers of Korea CI
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    • v.45 no.3
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    • pp.22-30
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    • 2008
  • Recently, protection of personal information is getting more important. Many countries have legislated about the protection of personal information. Now, the protection of relevant personal information is required not for a simple image of enterprises but law obligation. Most databases in enterprises used to store customers' names, addresses and credit card numbers with no exceptions. The personal information about a person is sensitive, and this asset is strategic. Therefore, most enterprises make an effort to preserve personal information safely. If someone, however, hacks password information of DBMS manager, no one can trust this system. Therefore, encryption is required based in order to protect data in the database. Because of database encryption, however, it is the problem of database performance in terms of computation time and the limited SQL query. Thus, we proposed an efficient query method to solve the problem of encrypted data in this paper.

Do Leaders Matter? Effects of The Governor Vacancy on the Regional Economy (리더는 중요한가? 광역단체장 부재가 지역경제에 미치는 영향)

  • Hyun, Bohun;Kang, Changhui
    • Journal of Labour Economics
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    • v.42 no.4
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    • pp.59-88
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    • 2019
  • This study estimates causal effects of the governor vacancy on the regional economy, exploiting the case of exogenous governor vacancy in Korea. We find that the governor vacancy has a negative impact on the regional economy by lowering the employment rate and reducing the amount of credit card expenditures. Negative effects are more pronounced among vulnerable groups of the labor market such as women and aged 20~29 and 50~59. In addition, negative effects vary by characteristics of the governor. Negative effects of the governor vacancy on the regional economy show empirical evidence suggesting that leaders do matter.

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Application of Golden Ratio Jacket Code in MIMO Wireless Communications (MIMO 통신에서 황금(黃金) 비(比) 자켓코드의 응용)

  • Kim, Jeong-Su;Lee, Moon-Ho
    • The Journal of the Institute of Internet, Broadcasting and Communication
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    • v.17 no.4
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    • pp.83-93
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    • 2017
  • In everyday life, the ratio of credit card aspect ratio is 1: 1.56, and A4 printer paper is 1: 1.414, which is relatively balanced golden ratio. In this paper, we show the Fibonacci Golden ratio as a polynomial based on the golden ratio, which is the most balanced and ideal visible ratio, and show that the application of Euler and symmetric jacket polynomial is related to BPSK and QPSK constellation. As a proof method, we have derived Fibonacci Golden and Galois field element polynomials. Then mathematically, We have newly derived a golden jacket code that can be used to generate an appropriate code with orthogonal properties and can simply be used for inverse calculation. We also obtained a channel capacity according to the channel correlation change using a block jacket matrix in a MIMO mobile communication.

A Study on Determinants of Subjective Repayment Burden in Household Debt by Income Quintile Groups (가구의 소득분위별 가계부채 주관적 상환부담요인에 관한 연구)

  • Park, Yoon-Tae;Rho, Jeong-Hyun
    • The Journal of the Korea Contents Association
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    • v.17 no.9
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    • pp.145-158
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    • 2017
  • Lately, rapid increase of household debt and economic change has affected cash flow of household, insolvent risk has increased by high repayment burden of the principal and interest. Previous researches was progressing various discussion, composed objective repayment burden index about household debt. But it was relatively insufficient about perception of consumer. This research compare and analysis determinants of subjective repayment burden in household debt by income quintile, using 2016 Household Financial Welfare Survey. The research result is follows. The income 1 and 2 quartile groups have the higher monthly rent and credit card loan and the housing preparation loan ratio, the higher burden on repayment of the principal and interest. The Income 3 and 4 quartile groups have the higher 60s or older and member of household and real estate mortgage loan, the higher burden on repayment of the principal and interest. The Income 5 quartile group has the higher loan ratio for debt repayment preparation, the higher burden on repayment of the principal and interest.

Fusion of Evolutionary Neural Networks Speciated by Fitness Sharing (적합도 공유에 의해 종분화된 진화 신경망의 결합)

  • Ahn, Joon-Hyun;Cho, Sung-Bae
    • Journal of KIISE:Software and Applications
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    • v.29 no.1_2
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    • pp.1-9
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    • 2002
  • Evolutionary artificial neural networks (EANNs) are towards the near optimal ANN using the global search of evolutionary instead of trial-and-error process. However, many real-world problems are too hard to be solved by only one ANN. Recently there has been plenty of interest on combining ANNs in the last generation to improve the performance and reliability. This paper proposes a new approach of constructing multiple ANNs which complement each other by speciation. Also, we develop a multiple ANN to combine the results in abstract, rank, and measurement levels. The experimental results on Australian credit approval data from UCI benchmark data set have shown that combining of the speciated EANNs have better recognition ability than EANNs which are not speciated, and the average error rate of 0.105 proves the superiority of the proposed EANNs.

미용실의 서비스 품질과 소비자 만족에 관한 연구

  • 황선아;황선진
    • Proceedings of the Korea Society of Costume Conference
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    • 2001.04a
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    • pp.44-45
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    • 2001
  • 다양해지는 소비자들의 패션에 대한 개성적 표현 욕구에 따라 우리나라 미용산업은 헤어, 메이크업과 피부미용, 네일케어 분야로 전문화.세분화되면서 토탈 패션산업의 주요영역으로 성장하고 있다. 이러 한 토탈 패션의 등장으로 미용서비스에 대한 수요증가로 양적으로는 상당히 그 규모가 증가했음에도 불구하고, 서버스 품질에 대해서는 고객들에게 확실한 신뢰를 주지 못하고 있다. 이는 국내 미용업계가 미용서비스 제공자의 관점에서 일방적인 서비스를 창출하여 왔고, 고객이 바라는 서비스의 내용과 품질을 제대로 파악하지 못하고 있다는 사실을 의미하고 있다. 따라서, 본 연구는 미용실의 서비스품질의 구성 요인을 확인하고. 미용실의 서비스품질과 소비자 만 족과의 관계를 알아보는 것을 목적으로 한다. 이를 위한 본 연구의 연구문제는 다음과 같다. 첫째, 미용실의 서비스 품질을 결정하는 요인에는 어떠한 것이 있는가\ulcorner 둘째, 미용실의 서비스 품질 중 소비자 만족과 관련하여 상대적으로 중요한 서비스 품질 결정요인은 무엇인가\ulcorner 본 연구를 위한 예비조사에서는 개방형 질문(open-ended question)을 실시하였다. 예비조사결과 프랜차이즈 미용실, 시내중심가 미용실 그리고 집.직장 근처 미용실의 3가지 유형의 미용실은 그 규모나 소비 자 인식이 상이하여 미용실의 서비스품질 차원을 연구하는데 유용한 것으로 나타났다. 본조사에서는 설문지법을 이용하였으며, 그 대상은 서울 지역의 3가지 유형의 미용실을 이용하는 고객들중 2 20-30대의 주요 고객층으로 정하였고 편의 표집하였다. 분석방법으로는 신뢰도 검증을 위해서는 Cronbach's 외 alpha값을 활용하였고, 미용실의 서비스품질 차원의 개념 타당성을 알아보기 위하여 LISREL을 이용한 확인 적 요인분석(confirmatory factor analysis)을 실시하였다. 또한 미용실의 유형에 따른 서비스 품질의 차이를 알아보기 위해서 일원변량분석(one-way ANDV A)을 실시하였으며, 서비스품질 속성들 중 소비자 만족을 결정하는 요인들을 알아보기 위해서 다중 회귀분석(multiple regression analysis)을 실시하였다. 본 연구의 결과들을 요약하면 다음과 같다. 첫째, 미용실의 서비스 품질을 결정하는 요인으로 는 물리적 서비스(유형성, 접근성, 청결성), 판매원 관련 서비스(감정배려, 능력), 정책관련 서비스(점포운영, 명성, 신용카드) , 미용기술관련 서비스로 나타났다. 둘째, 미용실의 서비스 품질을 결정하는 요인들에 있어서 점포 유형간의 차이를 분석한 결과 전체적으로 응답자들은 프랜차이즈 미용실의 서버스 품질에 가장 만족했으며, 시내중심가 미용실과 집근처 미용 실 순으로 나타났다. 셋째, 미용실의 소비자 만족을 예측하는데 유의한 서비스 품질 결정 요일을 살펴보면, 프랜차이즈 미용 실은 청결성($\beta$ =.30), 감정배려($\beta$ =.54), 명성($\beta$ =.60), 미용기술관련 서비스 차원($\beta$ =.68)이 결정 요인으로 나타났다. 시내중심가 미용실은 청결성($\beta$ =.39), 직원의 능력($\beta$ =.49), 명성($\beta$ =.59), 미용기술관련 서비스 차원($\beta$ =.68)가 서비스 결정 요인이었고, 집근처 미용실은 청결성($\beta$ =.27), 감정배려 ($\beta$ =.57), 명성($\beta$ =.73), 미용기술관련 서비스 차원 ($\beta$ =.60)으로 나타났다. 이것으로 미용실의 소비자 만족을 예측하는데 유의한 서비스 품질 결정 요인은 청결성, 감정배려, 명성, 상품관련 서비스임을 알 수 있다. 본 연구의 방법론적 의미는 그 동안 개발된 소매점이나 패션점포의 서비스 품질에 대한 평기척도를 우리나라 미용실에 적용해 봄으로써 미용실의 특성인 유행성, 청결성, 미용실의 명성, 직원과의 친분 등을 포함한 미용실의 서비스 품질 차원과 그 신뢰성 과 유용성을 입증하였다는데 그 의미가 있다. 또한 본 연구의 결과는 미용실 서비스에 대한 소비자들의 인식과 각 미용실의 유형에 따른 소비자 만족을 예측하는데 중요한 서비스 품질 결정 요인들을 통해서 좀 더 나은 미용서비스를 정착시키는데 필요한 전략 을 수립할 수 있다는데 실질적 의미를 지닌다.

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