• Journal of the Korea Institute of Information Security & Cryptology
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• v.26 no.6
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• pp.1513-1526
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• 2016

Since finance companies started e-banking services, those services have been diversified and use of them has continued to increase. Finance companies are implementing financial security policy for safe e-banking services, but e-Banking incidents are continuing to increase and becoming more intelligent. Along with the rise of internet banks and boosting Fintech industry, financial supervisory institutes are not only promoting user convenience through improving e-banking regulations such as enforcing Non-face-to-face real name verification policy and abrogating mandatory use of public key certificate or OTP(One time Password) for e-banking transactions, but also recommending the prevention of illegal money transfer incidents through upgrading FDS(Fraud Detection System). In this study, we assessed a blacklist based auto detection method suitable for overall situations for finance company, a real-time based suspicious transaction detection method linking with blacklist statistics model by each security level, and an alternative FDS model responding to typical transaction patterns of which information were collected from previous e-Banking incidents.

• 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.

• Economic Analysis
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• v.25 no.2
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• pp.54-95
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• 2019

The purpose of this study is to analyze quantitatively and qualitatively the effects of the increase in online shopping and its effects on real-world commercial outlets. The empirical analysis of this study is based on the results of "Census on Establishments" and "Online Shopping Survey" that cover 15 years, from 2002 to 2016. According to the results of this study, the increase in the number of online transactions affects the decrease in the number of stores in the real-world retail sector. However, non-specialized large stores and chain convenience stores showed an increase in the number of stores. In addition, the number of F&B stores increased the most in line with the increase in online transactions. This is because the increase in online transactions and in internet users led to the use of more delivery applications and the introduction of popular places on blogs or through social media. Street-level rents for medium and large-sized locations increased. In other words, it is seen that the demand for differentiated real-world stores that provide a good user experience increases, even though online transactions also increase. These results suggest that real-world stores should provide good user experiences in their physical locations with a certain size and assortment of goods.

• Journal of Digital Convergence
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• v.13 no.5
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• pp.219-226
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• 2015

OTP(One Time Password) is for user authentication of Internet banking and users should carry their security card or OTP generator to use OTP. If they lost their security card or OTP generator, there is at risk for OTP leak. This paper suggests a new User Authentication Framework using personal health information from diverse technology of u-Health. It will cover the problem of OTP loss and illegal reproduction A User Authentication Framework is worthy of use because it uses various combinations of user's physical condition which is inconstant. This protocol is also safe from leaking information due to encryption of reliable institutes. Users don't need to bring their OTP generator or card when they use bank, shopping mall, and game site where existing OTP is used.

• Journal of Digital Convergence
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• v.20 no.3
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• pp.131-143
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• 2022

Focusing on FinTech keywords, this study is analyzing newspaper articles and Twitter data by using text mining methodology in order to understand trends in the industry of domestic digital financial service. In the growth of FinTech lifecycle, the frequency analysis has been performed by four important points: Mobile Payment Service, Internet Primary Bank, Data 3 Act, MyData Businesses. Utilizing frequency analysis, which combines the keywords 'China', 'USA', and 'Future' with the 'FinTech', has been predicting the FinTech industry regarding of the current and future position. Next, sentiment analysis was conducted on Twitter to quantify consumers' expectations and concerns about FinTech services. Therefore, this study is able to share meaningful perspective in that it presented strategic directions that the government and companies can use to understanding future FinTech market by combining frequency analysis and sentiment analysis.

• The Journal of Information Systems
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• v.32 no.3
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• pp.151-164
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• 2023

Purpose This study aims to analyze the current status of consumer awareness on Internet banks by conducting a full investigation and collecting user opinions presented on Google Play. After cateogorizing the current dissatisfaction, we would like to present not only the direction of the Internet bank service of but also the improvements of the platform. Design/methodology/approach Using opinion mining, subjectivity analysis, polarity analysis, and polarity information analysis of comments were conducted step by step to extract negative and positive keywords. The extracted keywords analyzed the weights of the frequently appearing positive and negative keywords using the TF-IDF model. Based on previous studies that negative information is more sensitive to positive information, we tried to confirm the connection, proximity, and mediation of negative keywords. Semantic Network Analysis (SNA) was used to visualize the connection relationship between the negative comment keywords of the three Internet banks. Findings Domestic Internet banks such as Kakao Bank, K-Bank, and Toss Bank have attracted a lot of attention even before they were established, and after establishment, they have secured a wide range of users through platforms that are completely different from existing banks. This study found out that the convenience of the app affects the opening and transaction of non-face-to-face accounts, which are characteristics of domestic Internet banks, which also affects the bank's business strategy. In addition, this study shows that the business characteristics of the company can be identified.