• Journal of Digital Convergence
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• v.13 no.3
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• pp.1-10
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• 2015

Carrier billing services market is growing according to the technical development. This study investigated the limiting factor in carrier billing services and suggested the improvement factor for it using the Delphi Method. The amount money to use in carrier billing charges should be provided in their credit based and the accumulated payment using a text message is displayed and also telecommunications carriers and carrier billing firms are the least responsible for consumer harm. It also provides administrative responsibility for communications carriers and billing services company for non recognition and payment. The service provider to prove negligence not proven by consumer and telecommunications billing service delinquency rate is applied at a rate such as a credit card and it also should integrate retail payment and service fee. This study will contribute to the communication billing services market growth through improved communication billing service. Further research is needed to continue the study of the factors that emerged from communication and billing services due to emerging technologies and services.

• Journal of KIISE:Computing Practices and Letters
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• v.16 no.6
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• pp.693-697
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• 2010

In current e-commerce system, it happens that client's confidential information such as credit card numbers, pin numbers, or digital certificate may pass through a web proxy server or an altered proxy server without client's awareness. Even though the confidential information is encrypted and sent through SSL(Secure Sockets Layer) or TLS(Transport Layer Security) protocol, it can be exposed to the risk of sniffing by the digital certificate forgery at the proxy server, which is called the SSL MITM(Man-In-The-Middle) Proxy attack. In this paper, current credit card web-payment systems, which is weak at proxy information alternation attack, are analyzed. A resolution with certificate proxy server is also proposed to prevent the MITM attack.

• The Journal of the Institute of Internet, Broadcasting and Communication
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• v.11 no.2
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• pp.171-179
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• 2011

In these days, various wireless internet services are possible since the advanced wireless networks enable to transfer more data than before and smarter devices have developed to display the multimedia information more efficiently. Therefore, Korean MIPS such as SKT and LGT provide many kinds of advanced services such as wireless on-line shopping, mobile banking system and etc using 2.5 generation wireless network technology and smartcards. In a transportation system, a cellular phone can be used as a useful payment tool since most people always keep it and a mobile payment system has developed as infrastructure for wireless on-line services. In this paper, a mobile transportation payment system is introduced. A driver needs to pay a toll fee when he/she uses the highways. Recently, a high pass system has introduced, in which a vehicle can pass a toll gate without stopping to pay the fee to a counter. The payment is done automatically by an attached payment device. We have developed an advanced mobile system in which a smartcard embedded cellular phone is used as a payment device. The personnel and financial information is stored at a smartcard and the communication between the phone and OBU(On Board Unit) is done by Bluetooth.

• Journal of Service Research and Studies
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• v.6 no.1
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• pp.29-50
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• 2016

The purpose of this study is to identify the motivation of using and choosing factors in credit cards. These results indicate that considerate of other people factor may emphasize the convenience and safety in using credit cards, while the leisure factor may prefer the real-worth factor as they know that the more they use, the more benefits they would get. As the personality factor and the fashion factor, we can pay much attention to the advertisements, promotions, card designs, the colors, the characters and the social positions of the card holders and that considerate other people factor may like the low annual fees and the accumulating points, buying items on the installments without paying additional interest, which had offered them cash service and card loan. The authors of this paper has suggested an information by which credit card companies can establish the strategies according to the lifestyle of the elderly in silver business market.

• The Journal of Society for e-Business Studies
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• v.20 no.3
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• pp.11-28
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• 2015

Due to the mobil-centered lifestyle following the wider use of Smartphones, Mobile services, including mobile banking and mobile shopping business have increased rapidly. Also with the emergence of "Fintech", which finance combined with technology, IT based financial market is going to be highly promising. In this trend, interests mobile credit cards are increasing. But diffusion of the mobile credit card services is still in the low level. In this situation, to identify factors that influencing satisfaction and continuous usage intention on mobile credit card, this study applied innovation diffusion theory (IDT) and post acceptance model (PAM). To conducting this research, survey data were collected, and we used SmartPLS to analyze survey data. As a result of the study, perceived easy of use, image, compatibility and facilitation positively affect user's satisfaction in mobile credit cards and that such satisfaction have a positive impact on continuous intention to use. The facilitation influences user satisfaction more strongly for those who use mobile credit cards more than plastic credit cards. Also, perceived of use and image influence user satisfaction more strongly for those who use plastic credit cards more than mobile credit cards. It is expected that this study can be a guideline for credit card service providers and policy makers to invigorate mobile credit card business. Also it worths as a early-stage research on Fintech-related studies.

• KSCE Journal of Civil and Environmental Engineering Research
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• v.38 no.5
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• pp.685-692
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• 2018

Busan city implemented 'taxi transfer discount system' since October 2017 in order to create for new demand taxis. However, due to the low transfer discount amount and limited payment method to prepaid cards, it is difficult to attain the aim. In this study, we investigated the usage status of taxi transfer discount system and the intention to use taxi transfer discount system according to the discount amount level. We established a model of intention to estimate demand of taxi transfer discount using ordinal logistic model. The results of analysis are as following. The critical reason for low usage was to limit taxi transfer discount payment methods to prepaid cards other than post-paid cards which is used for most transportation payment. It was found that the discount rate for taxi transfers was affected in order of payment method, the purpose of the travel, major transportation, frequency taxi use, age, transportation costs, and the discount of taxi transfers. Also, the taxi transfer discount could be expected to increase to 1,550 won based on the price elasticity of demand due to changes in taxi transfer discount rate.

• Journal of the Korean Home Economics Association
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• v.42 no.3
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• pp.119-130
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• 2004

The purpose of this study is to estimate the rate of credit card payment for private education. The results of study can be used to improve credit card handling problems of private educational institutes, leading toward improvements in income transparency, increase in tax burden equity and long-term economic welfare improvement for individual households. 424 households out of 586 household that were surveyed in September of 2002 had 1,700 cases private extracurricular education. 67 of the 1,700 cases that did not have expenditure records were removed from the analysis. Only 3.67％ out of 1,633 cases were paid by a credit cards and the amount of credit card payment were only 5.65％ of the total amount spent for private education. The average fee of private educational institutes that allow credit card payment was higher than the fees of private institutes which don't allow a credit card payment or those of private institutes where consumers don't know whether a credit card payment was allowed. The average fee of private education paid by credit cards was 34,465.46 won higher than that paid by cash. Credit card payments to private educational institutions is an important social issue with respect to fair tax collection and tax burden equity since most private educational services operate in fairly small sizes and are offered by the self-employed, and the expense of private education is a fairly large proportion of the household income. It is also important for consumers if credit card acceptance expands alternatives that consumers can choose in private education. Therefore, credit card payment should be encouraged in private extracurricular education. To do this, private education providers should be forced to join a credit card payment service by the National Tax Service. A regulation that prohibits the refusal of credit card payments should be required, and credit card service charges of private education providers should be incrementally decreased. Also, consumer education and public promotions for credit card use instead of cash in paying for private education fees are recommended.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.15 no.1
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• pp.45-57
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• 2020

Among the fintech businesses that are actively developing around the world, payment and settlement are the most prominent. Korea has a well-developed IT industry and a good existing card payment environment, however, its innovative movement is overwhelmingly slower than that of other countries in the fintech. In this study, we try to assess the regulations on fintech and their impacts on the startup ecosystem by comparing the cases of U.S., China, and Korea. We have found that both the United States and China have lowered barriers to entry for the newly launched fintech industry, allowing startups and IT companies to start fintech businesses at the existing financial sector. Particularly the implementation of predictable regulations in U.S., and the failure to apply the financial regulations in China, help start-up companies' growth in the fintech industry. This finding provides us with a lesson that current positive regulations in Korea should gradually change into negative regulations, and predictable regulations that strictly enforce post-management except major items rather than pre-approval. The policy implications are discussed with the perspective of start-ups in fintech industry.

• The Journal of Korean Association of Computer Education
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• v.15 no.1
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• pp.73-85
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• 2012

Presently, Enhanced electronic financial service are offered used open network due to development of IT and financial transactions. The protocol in this environments such as SET, SSL/TLS, and so on are electronic transaction protocol to perform electronic payment securely and efficiently. However, most users still does not know accurately how to use and potential problems. It especially has key management problem about generate session key for purchase products or payment. To solve this problem, we propose proxy re-encryption based secure electronic transaction to transmit payment and order information without addition session key.

• The Journal of The Korea Institute of Intelligent Transport Systems
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• v.9 no.6
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• pp.1-12
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• 2010

The existing survey of the actual use relevant transportation, implemented in order to reflect transportation policy, has been performed for users by researcher directly, or thereby analysing the data of particular date-oriented of transportation card business's content so that such method have many problems. To solve such problem, we developed a new system, Interoperable Traffic Information Collection System which include several functions of effective collecting of transportation use-data created from the Nation-wide Interoperable Transportation System, accurate counting and easy inquiry. This system consists of Link-server to collect and count for transportation use-data, DB-server to store for this data and Inquiry terminal to search for the information needed. To verify for developed this system, we run test-bed by connection between this system and the Nation-wide Interoperable Transportation System developed by the KOREA Financial Telecommunications & Clearings, the KORAIL NETWORKS and the HiPlusCard. And through result of test-bed, we proved that Interoperable Traffic Information Collection System practically works well. Thus we can look for systematic reflect of reliable information.