• Title/Summary/Keyword: 지불

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Security Method for Approval Process of Payment System (지불시스템의 승인단계에서 보안방안)

  • 임인채;위장현
    • Journal of Korea Society of Industrial Information Systems
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    • v.7 no.4
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    • pp.59-65
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    • 2002
  • Payment systems in EC need confidentiality, integrity, non-repudiation. All transactions between cardholders and merchants must be authorized by a payment gateway in SET protocol. RSA secret key operation which requires heavy computation takes the most part of the time for payment authorization. For the reason, a heavy traffic of payment authorization requests from merchants causes the payment gateway to execute excessive RSA secret key operations, which may cause the bottleneck of the whole system. To resolve this problem, One-Time Password technique is applied to payment authorization step of the SET protocol.

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Electronic Payment Protocol using Elliptic Curve Public Key Algorithm (타원곡선 공개키 암호 알고리즘을 이용한 전자지불 프로토콜)

  • Lee, Hyurk;Lee, Jong-Kyu
    • Journal of the Korea Institute of Information Security & Cryptology
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    • v.10 no.1
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    • pp.53-63
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    • 2000
  • 전자지불 프로토콜은 하드웨어 구현의 용이성과 안전성의 두 가지 측면을 고려하여 설계되어야 한다. 본 논문에서 제안하는 전자지불 프로토콜은 하드웨어구현을 용이하게 하고 유지비용을 줄이기 위해 초기변수값을 최소로 하는 전자지불 프로토콜에 대칭키 암호알고리즘을 적용하여 주고받는 데이터량을 줄였으며, 안전성을 증가시키기 위해 타원곡선 공개키 암호 알고리즘을 적용하여 타원곡선 공개키 암호 알고리즘이 가지는 특성들을 상속받고록 하였고, 마지막으로 전자지불 프로토콜의 안전성과 효율성을 분석하였다.

An Efficient Micropayment System using a Session Key (세션키를 이용한 효율적 소액지불시스템)

  • Jeong Yoon Su;Baek Seung-Ho;Hwang Yoon Cheol;Oh Chung Shick;Lee Sang-ho
    • Journal of KIISE:Information Networking
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    • v.32 no.4
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    • pp.462-470
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    • 2005
  • A hash chain is highly efficient and attractive structure to use in electronic cash. Previous systems using hash chain are used extensively in various cryptography applications such as one-time passwords, server-supported signatures and microments. However, The most hash chain based systems using fro-paid method provide anonymity but have the problem to increase payment cost. Therefore, in this paper, we propose a new hash chain based microment system which improves efficiency using session key and guarantees user anonymity through blind signature in the withdrawal process of the root value without disclosing privacy Information.

The Effect of the Secondary Spread of COVID-19 on the Willingness to Pay for the Urban Heat Island Reduction Project (COVID-19 2차 확산기가 도시열섬저감 사업의 지불의 사금액에 미치는 영향 -장위동·서교동의 옥상녹화 사업을 중심으로-)

  • Joo, Jin-Ho;Lee, Hyun-Kyung;Kim, Hong-Bae
    • Journal of the Korean Regional Science Association
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    • v.38 no.3
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    • pp.41-49
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    • 2022
  • This paper aimed at understanding the effect of infectious disease conditions on willingness to pay for the green roof implemented to reduce the urban heat island. For this purpose, the willingness to pay for the green roof under infectious disease and non-infectious disease conditions was calculated and comparatively analyzed using the contingent valuation method. As a result, there was a statistically significant difference in the willingness to pay according to the infectious disease condition, and it was confirmed that the willingness to pay for the infectious disease condition was lower than the non-infectious disease condition.

Study for Valuing of Residential Water when Drought Conditions (가뭄상황시 생활용수 가치 추정)

  • Park, Doo-Ho;Park, Yoon-Shin
    • Proceedings of the Korea Water Resources Association Conference
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    • 2007.05a
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    • pp.487-492
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    • 2007
  • 최근 잦은 기상이변으로 인한 자연재해는 그 빈도와 강도가 점차 증가하고 있다. 이러한 기상이변은 결국, 극단적인 가뭄이 닥칠 가능성이 농후할 것이고, 만일 극단적인 가뭄상황이 도래할 경우 제한급수 또는 절수로 인한 일반인이 느끼는 피해정도는 매우 늘어날 것이다. 본 연구는 가뭄상황시 제한급수를 고려한 소비자의 지불의사를 알아보고자, 7대 특 광역시와 32개 가뭄상습지역에 거주하는 일반인을 대상으로 생활용수 수요패턴과 가뭄상황을 고려한 생활용수의 가치를 추정하였다. 조사결과, 수돗물 수질 관련에 대해서는 가뭄상습지역보다 7대광역시가 더 민감하였고, 수돗물 수량에 대해서는 가뭄상습지역이 더 민감한 것으로 나타났다, 지불의사 추정은 양분선택형과 개방형을 혼합하여 지불의사액을 설문하였고, Tobit모형을 이용하여 지불의사액을 추정하였다. 추정결과, 교육수준이 높을 수록, 가구수가 많을수록, 소득이 높을수록 지불의사가 높은 것으로 나타났다. 또한, 가뭄으로 인해 생활용수의 25% 제한시에는 약 2010원, 50% 제한시에는 2,395원의 추가적인 지불의사가 있는 것으로 추정되었다. 결국, 조사가구의 평균 수돗물 사용량과 절감량등을 추정하여 계산한 결과, 생활용수 25% 제한시 $1m^3$당 추가적인 지불의사 금액은 약 534원으로 추정된다. 지불의사가 기대했던 것보다 낮은 이유는 소비자가 그 정도의 가뭄을 경험하지 못한데서 오는 조세저항으로 여겨진다. 그러나 이 같은 결과는 가뭄을 회피하기 위해 소비자가 기꺼이 지불할 수 있는 비용은 현재의 물 값보다 훨씬 높다는 것을 의미한다. 알 수 있었다.수 없는 실제 방사선작업 환경에서의 선량평가 수행시, 본 논문에서 제시한 선량평가방법을 적용할 경우 계획된 피폭과 예상하지 못한 방사선장에 대한 피폭을 구분할 수 있어 보다 심도 있는 피폭선량평가 및 방사선관리가 가능할 것으로 판단된다.황산기(黃酸基)의 함량은 가장 적었다내고 있었고, in vivo에서는 복강(復腔)(i. p.) 투여(投與)에서는 $12.9{\sim}22.2%$. 경구(經口)(p.o.) 투여(投與)에서는 $11.2{\sim}21.6%$의 높은 활성(活性)을 나타내고 있었다. 단 peroxidase 활성(活性)은 복강(復腔)(i. p.) 투여(投與)에서는 $129.0{\sim}188.6%$, 경구(經口)(p. o.) 투여(投與)에서는 $111.4{\sim}139.6%$의 활성(活性)을 나타내고 있었다.rucic acid를 다량함유(多量含有)하고 있는 목포단교 12는 다른 두 품종(品種)에 비(比)하여 장쇄지방산에 속하는 eicoseuoic acid가 11.7%로 많이 함유(含有)되어 있었다. 그리고 3품종(品種) 모두 중성지질(中性脂質) 획분(劃分)의 지질(脂質)은 전체지방산(全體脂肪酸) 조성(組成)의 비(比)와 별다른 차이(差異)를 나타내지 않았다.수 있으나 본원에서 사용 중인 장비에서 극히 적은 MU의 사용이 현저한 선량적 오차를 유발하진 않는 것으로 사료되어진다. 그러나 정도 관리 시 그 오차를 확인하는 과정은 장비의 사용과 수명에 따라 지속적으로 관리되어져야 할 것이다.>로 평균

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An Estimation of Residents' Willingness-to-pay for Urban Farming in the New Development Areas: Focused on Bundang and Dongtan (신도시 내 도시농업 도입에 대한 거주자 지불의사금액 추정: 분당, 동탄신도시를 중심으로)

  • Rhim, Joo-Ho;Lee, Kyoung-Hwan;Yoon, In-Sook;Yoon, Eun-Joo
    • Land and Housing Review
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    • v.3 no.4
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    • pp.315-322
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    • 2012
  • Recently multifaceted advantages of urban agriculture are emerging in civil society and related policy arena such as food safety, environment, and social welfare. This study tried an estimation of residents' willingness-to-pay for urban farming to examine feasibility of using part of urban green infrastructure as urban farm (e.g. allotment garden). A survey targeting Bundang and Dontan new-town residents was carried out and willingness-to-pay for urban farm rental was estimated by contingent valuation method (CVM). The estimated rent was cross-checked with the rental cost and travel cost paid by hobby farm users in the outskirt of metropolitan area. The result of this study showed that the potential demand for urban farming is ample if urban farms or allotment gardens are planned within new development areas. That is, 72.6 percent of new-town residents questioned had intention of using allotment garden within urban parks and green spaces. Estimated willingness-to-pay for renting a plot, $16.5m^2$ of urban farm, was about 236,000 won(KRW), which is higher than rent for a plot of allotment garden which is located out of city. Variables which were statistically significant to estimated willingness-to-pay for urban farming were sex, age, and occupation of respondents, among other explanatory socio-demographic variables, while expected frequency and duration of visit to urban farm were insignificant.

Implementation of payment settlement system through Cyber Bank for Electronic Commerce (전자상거래용 사이버뱅크의 지불결제시스템 구축)

  • Kim, Moon-Shik;Lee, Eun-Seok
    • The KIPS Transactions:PartD
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    • v.15D no.1
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    • pp.121-130
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    • 2008
  • In line with the enhanced weight and variety of electronic commerce in business activities, new type of payment settlement and banking system which will enable to store, create and transfer values from the existing method of payment settlement is highly required. Cyber Banking system draws strong attention being the solution of there requirements. The existing Cyber Banking system has the difficulty of operation, administration, in addition to the problem of initial facility investment of big amount, resulted from the usage of the current business process. As the existing Cyber Bank system is unable to carry out the function of storing, creating, and transferring values due to the adoption conventional credit card system instead of the application of non-stop payment system between the seller and buyer. As a result, current Cyber Bank system still imply the deficiency of non-performing cash payment function on internet. This paper describes (1) an integrated application process, One Process One Input (OPOI) which is essential for software development of the Cyber Bank, (2) an application process of payment settlement system to be applied to the electronic commerce in Internet. And then, with these for a basis, (3) design and implementation of payment settlement system through CyberBank for Electronic Commerce. Consequently, by means of this suggested process, we could attempt to solve the problem of existing Cyber Bank system and further to explore the possibility of advanced Cyber Banking being the non-stop payment settlement system. The effectiveness of this suggested system has been practically confirmed.

A Study on the Respondents' Difference of Willingness to Pay Amount on Forest Landscape (산림경관에 대한 지불의사금액의 인식 차이에 관한 연구)

  • Kim, Dong-Hyeon;Kim, Eui-Gyeong;Yang, Jun-Seok;Park, Sang-Byeong;Jeong, Yeon-Ok;Shin, Hye-Jin;Kim, Jae-Sung
    • Journal of agriculture & life science
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    • v.44 no.1
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    • pp.17-24
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    • 2010
  • The purpose of this study was to define the relationship between respondents' social economic condition and willingness to pay on forest landscape. From the result of analyzing the difference of willingness to pay amount with considering social economic condition by using statistical technique, it was found that willingness to pay amount was highest when people are able to access forests landscape. In addition, it was found that women's willingness to pay amount was higher than that of men and the person such as laborer and public employee, who could spare enough time, had the intention to pay higher amount, than the person such as specialist and self-employed person, who spare enough money. For age, it was found that the retired people in their sixties showed low willingness to pay amount on forest scenery. For income per household, it was interesting that although willingness to pay amount increased as income increased, it was rather low in high income class, whose income was more than KRW 10 million.

Estimation of citizen's willingness to pay for water quality improvement on urban rivers (도시하천 수질개선을 위한 시민의 지불의사액 추정 연구)

  • Kang, Jiyoon;Yang, Jinwoo;Hwang, Youngsoon;Kim, Keewook
    • Journal of Korea Water Resources Association
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    • v.56 no.3
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    • pp.225-233
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    • 2023
  • Urban rivers and their surrounding environments have been altered due to factors such as rapid economic growth and urban development. This alteration have caused the rivers to lose their original value and become exposed to various pollution, resulting decrease in citizens' quality of life. This study aims to estimate citizens' Willingness To Pay (WTP) for water quality improvement in Suyeong River in Busan. To estimate the non-market value of the Suyeong River, the WTP of Busan citizens for water quality improvement was estimated, applying Contingent Valuation Method (CVM). The WTP for improving the water quality from Grade 4(polluted water) to Grade 2(game fish like bass can live in it) was estimated using the water quality ladder concept of the US Environmental Protection Agency, assuming annual donations for five years. For the CVM, the logistic distribution and Spike Model were adopted. As a result, citizens residing in the surrounding area of Suyeong River expressed a higher WTP. Considering more than half of the Busan citizens are aware of the "conservation of nature and ecosystems" as a major function of the Suyeong River, this higher WTP could serve as a basis for improving the value of urban rivers.

Estimation of Willingness To Pay for Mobile Data Service (모바일 데이터서비스에 대한 지불의사금액 추정)

  • Ko, Chang-Youl;Lee, Sang-Woo;Park, Joon-Ho;Jeong, Nae-Yang
    • Journal of Internet Computing and Services
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    • v.13 no.2
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    • pp.1-11
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    • 2012
  • The purpose of this paper is to estimate 'willingness to pay' for mobile data service by using contingent valuation method with double bounded dichotomous choice question. The findings are as follows.: First, the willingness to pay of mobile data service is considerably lower than current retail price. Second, the perceived degree of mobile data service such as awareness and benefit recognition is positively related to the willingness to pay of mobile data service. Our results suggest that active promotion and strengthening of the content of mobile data service are needed in order to enhance the profitability of mobile operators. The analysis results will be used to set the mobile operator's pricing strategy and to build up a successful communication policies in the mobile ecosystem.