• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.18 no.5
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• pp.77-90
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• 2023

This study aims to investigate the potential of alternative credit assessment through Social Networking Sites (SNS) as a complementary tool to conventional loan review processes. It seeks to discern the impact of SNS usage characteristics and loan product attributes on credit loan repayment. To achieve this objective, we conducted a binomial logistic regression analysis examining the influence of SNS usage patterns, loan characteristics, and personal attributes on credit loan conditions, utilizing data from Company A's credit loan program, which integrates SNS data into its actual loan review processes. Our findings reveal several noteworthy insights. Firstly, with respect to profile photos that reflect users' personalities and individual characteristics, individuals who choose to upload photos directly connected to their personal lives, such as images of themselves, their private circles (e.g., family and friends), and photos depicting social activities like hobbies, which tend to be favored by individuals with extroverted tendencies, as well as character and humor-themed photos, which are typically favored by individuals with conscientious traits, demonstrate a higher propensity for diligently repaying credit loans. Conversely, the utilization of photos like landscapes or images concealing one's identity did not exhibit a statistically significant causal relationship with loan repayment. Furthermore, a positive correlation was observed between the extent of SNS usage and the likelihood of loan repayment. However, the level of SNS interaction did not exert a significant effect on the probability of loan repayment. This observation may be attributed to the passive nature of the interaction variable, which primarily involves expressing sympathy for other users' comments rather than generating original content. The study also unveiled the statistical significance of loan duration and the number of loans, representing key characteristics of loan portfolios, in influencing credit loan repayment. This underscores the importance of considering loan duration and the quantity of loans as crucial determinants in the design of microcredit products. Among the personal characteristic variables examined, only gender emerged as a significant factor. This implies that the loan program scrutinized in this analysis does not exhibit substantial discrimination based on age and credit scores, as its customer base predominantly consists of individuals in their twenties and thirties with low credit scores, who encounter challenges in securing loans from traditional financial institutions. This research stands out from prior studies by empirically exploring the relationship between SNS usage and credit loan repayment while incorporating variables not typically addressed in existing credit rating research, such as profile pictures. It underscores the significance of harnessing subjective, unstructured information from SNS for loan screening, offering the potential to mitigate the financial disadvantages faced by borrowers with low credit scores or those ensnared in short-term liquidity constraints due to limited credit history a group often referred to as "thin filers." By utilizing such information, these individuals can potentially reduce their credit costs, whereas they are supposed to accrue a more substantial financial history through credit transactions under conventional credit assessment system.

• Korean Journal of Remote Sensing
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• v.23 no.2
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• pp.125-130
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• 2007

This paper introduce a satellite image based blog system built by JeonNam local province. Main goals of this system are as follows : (1)Overcome the static aspect of traditional Web-GIS, (2)Providing a geoUCC generating platform by combining multimedia technology and GIS in a single web environment, (3)Building a two-way Web-GIS through user's participation, (4)Creating a new communicative way between government and citizen by using this system. As a result of the system building, this system enables users to create his/her own UCC(User Created Contents) on high-resolution satellite image and enables users to share his/her own UCC with other system using Web2.0 technology.

• KSCE Journal of Civil and Environmental Engineering Research
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• v.33 no.6
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• pp.2593-2600
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• 2013

The main purpose of this study is to carry out the performance evaluation of Ultra-light Fixed Wing UAV(Unmanned Aerial Vehicle) photogrammetry which is being, currently, applied for various fields such as cultural assets, accident survey, military reconnaissance work, and disaster management at home and abroad. Firstly, RMSE estimation of Aerial Triangulation (AT) are within approximately 0.10 cm in position (X, Y). And through the comparison of parcel's boundary points coordinates by terrestrial surveying and by UAV photogrammetry, the analysis shows that RMSE are shifted approximately 0.174~0.205 m in X-direction, 0.294~0.298 m in Y-direction respectively. Lastly, parcel's area by orthophoto of UAV photogrammetry and by that of cadastre register has been shown the difference by 0.118 m2. The results presented in this study is just one case study of orthophoto accuracy assessment of Ultra-light fixed wing UAV photogrammetry, hereafter various researches such as AT, direct-georeferencing, flight planning, practical applications, etc. should be necessary continuously.

• Science of Emotion and Sensibility
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• v.21 no.3
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• pp.115-128
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• 2018

Tibetans who live in the Tibetan highlands, the Roof of the World, have their own unique lifestyle wherein they conform to its long history, natural environment, and their own form of clothing culture. In their costumes, the use of colors, patterns and designs express religious meaning and represent the hopes and heart of life, which respects nature. This study aims to analyze the colors used in Tibetan costumes and examine the meaning of these colors. In addition, this study intends to understand the specificity of Tibetan culture through a consideration of the symbolism of the colors of ethnic costumes. By examining the literature and conducting case studies, colors of Tibetan costumes were analyzed through the I.R.I HUE-TONE system. We analyzed 96 photographs of the costumes photographed during the Tibet ceremony costume, photographs seen at the Qinghai Tibet Culture Museum and photographs from the Internet museum. The results revealed the following: First, the most important element of the costumes is connected to the five colors of JangOsaek, which gives meaning to each color. Red, navy blue, yellow, white and green symbolize fire, the sky, earth, clouds or snow, and grasslands, respectively. Second, Tibetan costumes are characterized by bold color contrasts such as red and green, black and white, red and yellow, and yellow and purple to achieve an intense harmony of colors. Third, these fancy costumes express the unique aesthetics of the Tibetan people. The primary colors follow general emotions, but they can also include their own emotion.

• Journal of the Korean Society of Surveying, Geodesy, Photogrammetry and Cartography
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• v.26 no.3
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• pp.241-253
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• 2008

Recently, it is appearing that new paradigm of urban planning that ubiquitous concept such as the u-City, uECO-City is introduced while is rising necessity about third dimensional geo-spatial information of high quality for urban area. Orthophoto can manufacture by expense and time that is less easily than digital map using personal computer even if is not highly technician and according as position relation between manmade feature and natural feature is equal, can get information of distance, angle, horizontal and vertical position coordinate of topographic, area etc.. directly through orthophoto. Also, visual effect is good that orthophoto is expressed by image and interpretation is easy to detailed part of topographic. Manufacture and practical use are consisting in various field, for it is having advantage that can recognize information effectively than digital map. Therefore, this study presents a way of generating a detailed DSM for producing a true-orthphoto of the urban area, and this study also presents a way to produce an optimum true-orthophoto for an urban area by investigating through experiment the optimum variable for the geometric and radiometric correction of the orthophoto. This study also examined the potentials of the thesis by building a 3-dimensional city model of the model region with the above thesis on optimum generating method.

• Journal of Venture Innovation
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• v.6 no.4
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• pp.63-81
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• 2023

The purpose of this study was to utilize the Photovoice qualitative research method targeting university students. Through this method, we aimed to understand the perceptions of environmental issues, environmental barriers, and eco-friendly behaviors among university students. By employing the Photovoice methodology, we sought to share the perspectives of university students on eco-friendly behaviors, explore the motivations and manifestations of these behaviors, and reflect on their significance. The ultimate goal was to provide practical suggestions for fostering eco-friendly behaviors through an in-depth examination of the visual narratives and reflections of university students. Under the overarching theme of the environment, participants were given the opportunity to individually select and explore three specific sub-themes: 'My Concept of the Environment,' 'Environmental Barriers in My Life,' and 'My Eco-friendly Behaviors.' Participants engaged in the process of capturing photographs from their daily lives related to each theme, expressing their thoughts and perspectives through the selected images. Subsequently, they shared and discussed their insights, actively listening to the opinions of others in the group. The results of this study revealed several key findings. Firstly, participants assigned meaning to the photographs they selected by directly capturing aspects related to the environment, such as 'waste,' 'discomfort,' 'fine dust=environmental pollution,' and 'indifference.' Secondly, participants attributed meaning to the selected photographs related to environmental barriers, associating them with concepts like 'invisibility,' 'apathy,' 'social stigma,' 'inefficiency,' and 'compulsion.' Lastly, participants ascribed significance to photographs selected in the context of eco-friendly behaviors, with themes like 'recycling,' 'energy conservation,' 'reuse,' and 'reducing the use of disposable items.' Based on these research findings, the confirmation of the V-A-B (Values-Attitudes-Behavior) model was established. It was observed that consumers structure a hierarchical relationship between their personal values, attitudes, and behaviors. The study also identified clear impediments in consumers' daily lives hindering the practice of eco-friendly behaviors. In light of this, the research highlighted the need for strategies to address the discomfort or inconvenience associated with implementing environmentally friendly consumer behaviors. The implications of the study suggest that interventions or solutions are necessary to alleviate barriers and promote a more seamless integration of eco-friendly practices into consumers' daily routines.

• 한국HCI학회:학술대회논문집
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• 2006.02a
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• pp.871-877
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• 2006

물체의 반사(specular reflection)는 물체의 재질 및 기하학적 모양을 표현하는데 있어 매우중요한 요소이다. 사진품질의 사실적 렌더링에서는 기존의 국소 반사 모델을 사용하여 좋은 결과를 얻을 수 있지만, 사용자의 주관이 중시되는 비사실적 렌더링(non-photorealistic rendering)에서는 사용자가 원하는 반사 효과를 표현할 수 있어야 한다. 텍스처는 사용자가 직관적으로 원하는 반사 효과를 표현할 수 있는 수단이며, 이를 모델에 투영하면 원하는 반사효과를 얻을 수 있다. 이 때 사용자는 텍스처가 투영될 위치와 크기, 방향을 직접 키프레임으로 정해 줄 수 있다. 그러나 모든 반사 효과를 사용자가 직접 정해준다는 것은 번거로운 일이며, 실시간 응용분야에는 적용할 수 없다. 본 논문에서는 국소반사모델(local reflection model)과 주곡률(principal curvature) 해석을 통해 반사효과의 위치, 방향, 크기를 결정하기 위한 텍스처 투영기의 새로운 설정 방법을 제시한다. 광원과 시점 정보를 사용하여 투영기의 위치를 정하고 물체의 주방향(principal direction)과 곡률반지름(radius of curvature)을 이용하여 투영기의 방향과 투영 피라미드의 크기를 정한다 텍스처 투영기의 단순한 이동, 회전을 통하여 반사 영역의 이동, 회전 및 확대/축소가 가능하다. 본 논문에서 제시한 방법은 DirectX 9.0c와 프로그래이 가능한 셰이더 2.0을 사용하여 GeForce FX 7800 그래픽 카드에 구현되었다. 본 논문의 연구 결과는 게임과 같은 실시간 응용분야에 사용될 수 있으며, 실험 결과에 의하면 수천 개의 다면체 모델에 대한 렌더링을 실시간에 수행할 수 있다.

• Journal of Digital Contents Society
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• v.18 no.5
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• pp.821-829
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• 2017

In recent, there has been a great change in the shopping market due to the development of the Internet and the generalization of mobile devices. Customers have become more comfortable with online shopping where they can purchase clothes without having to visit their own shop directly. While online shopping is convenient and easy to buy, it is difficult to judge whether it is suitable for you to buy clothes. This paper proposes an application that users virtually coordinate on their own full-body photo or a user-specified model. The proposed application encourages smart purchases by enabling users to see their virtual coordination on their bodies.

• Proceedings of the Korea Information Processing Society Conference
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• 2015.10a
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• pp.1470-1473
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• 2015

최근 빠른 인터넷 속도를 이용하여 SNS (Social Network Service), 인터넷 방송 등의 엔터테인먼트를 즐기는 사용자가 증가하였다. 이와 함께 직접 사진, 동영상 등의 멀티미디어를 직접 제작해 제공하는 사례도 크게 증가함에 따라 영상처리 기술이 발전하였다. 이에 따라 셀프촬영이 점점 증가하고 있지만, 동영상의 경우는 셀프촬영을 하는데 있어 한계가 있다. 이 문제를 해결하기 위한 한 방법으로 영상처리를 이용할 수 있다. 하지만 현재의 기술은 고성능에 초점이 맞춰있기 때문에 시스템 구현을 위해 비용 낭비가 발생할 수 있다. 따라서 본 논문에서는 셀프 동영상 촬영 분야의 적외선 영상처리 기반 저비용 사용자 추적 시스템을 제안한다. 실제 단순히 인식률을 측정한 결과 80%를 보였으며, 속도에 따라 1.5m/s에서 76%의 인식률을 보였다.

• Journal of Broadcast Engineering
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• v.17 no.2
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• pp.411-421
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• 2012

The stagnant growth in 3D market due to 3D movie contents shortage is encouraging development of techniques for production cost reduction. Elimination of vertical disparity generated during image acquisition requires heaviest time and effort in the whole stereoscopic film-making process. This matter is directly related to competitiveness in the market and is being dealt with as a very important task. The removal of vertical disparity, i.e. image rectification has been treated for a long time in the photogrammetry field. While computer vision methods are focused on fast processing and automation, photogrammetry methods on accuracy and precision. However, photogrammetric approaches have not been tried for the 3D film-making. In this paper, proposed is a photogrammetry-based rectification algorithm that enable to eliminate the vertical disparity precisely by reconstruction of geometric relationship at the time of shooting. Evaluation of proposed algorithm was carried out by comparing the performance with two existing computer vision algorithms. The epipolar constraint satisfaction, epipolar line accuracy and vertical disparity of result images were tested. As a result, the proposed algorithm showed excellent performance than the other algorithms in term of accuracy and precision, and also revealed robustness about position error of tie-points.