• 무역상무연구
• /
• 제14권
• /
• pp.237-256
• /
• 2000

Electronic commerce has been threatening to address the transaction inefficiencies in international trade that is conducted through letters of credit(L/Cs) and other forms of traditional paper-based financial instruments. The replacement of traditional paper documets with electronic alternatives is becoming more of a relity within a number of business sectors. The conceptual model of electronic L/Cs presented in this paper is intended to provide a framework for discussing the development of a paperless credit. The TradeCard network provides a business-to-business e-commerce infrastructure that enables buyers and sellers to conduct and settle international trade transactions securely over the Internet. Sellers and Buyers should select the best payment methods of traditional L/Cs, electronic L/Cs, TradeCard, Bank Credit Card etc. in consideration of their business circumstances.

• 디지털산업정보학회논문지
• /
• 제14권3호
• /
• pp.87-101
• /
• 2018

Minors' law evasion is getting serious. Some of them make a fake ID card or use a stolen ID card illegally. They are illegally used for buying alcohol, cigarette, bond or going to club, pub, motel and so on. On the latest News, there was a case that teens rented a car with a driver licence without checking and had severe car accident. Like this case, car rental service was fined and suspended from business because they did not figure out ID card's counterfeit or modification. Thus, this study investigates the detecting method about the ID card(including a driver license) counterfeit, modification or illegal use. The server has a database of 17~19's minors one fingerprint and services whether the visitor is adult true or not. The method will be usable and economical for business. Then, it was compared and analyzed with methods already in use in business.

• 산업공학
• /
• 제20권4호
• /
• pp.448-457
• /
• 2007

The small & micro business has the characteristics of both consumer credit risk and business credit risk. In predicting the bankruptcy for small-micro businesses, the problem is that in most cases, the financial data for evaluating business credit risks of small & micro businesses are not available. To alleviate such problem, we propose a bankruptcy prediction mechanism using the credit card sales information available, because most small businesses are member store of some credit card issuers, which is the main purpose of this study. In order to perform this study, we derive some variables and analyze the relationship between good and bad signs. We employ the new statistical learning technique, support vector machines (SVM) as a classifier. We use grid search technique to find out better parameter for SVM. The experimental result shows that credit card sales information could be a good substitute for the financial data for evaluating business credit risk in predicting the bankruptcy for small-micro businesses. In addition, we also find out that SVM performs best, when compared with other classifiers such as neural networks, CART, C5.0 multivariate discriminant analysis (MDA), and logistic regression.

• 대한안전경영과학회지
• /
• 제11권4호
• /
• pp.261-267
• /
• 2009

The purposes of this article is to analyse how market competition of credit card company affect price(interest rate) and survival length of card users. This paper uses individual account data from a large Korean credit card company during the periods from 2002 to 2006. The findings of our study are as follows. First, market competition of credit card company have a negative effect with interest rate of credit card. Second, market competition of credit card company have a affirmative effect with survival length. Finally, The effect of Increasing delinquency rate due to price increase is smaller than decreasing delinquency rate due to extending survival length.

• 정보학연구
• /
• 제4권4호
• /
• pp.113-128
• /
• 2001

인터넷의 급속한 보급에 따른 전자상거래의 확산으로 국제무역거래에 적합한 새로운 전자무역결제방식이 다양하게 개발되고 있는 실정이다. 이러한 새로운 전자무역결제방식중의 하나인 TradeCard의 특징과 경제적 효용성을 살펴보고, TradeCard가 제공하는 다양한 서비스의 내용과 그 시스템 하에서 운영되는 무역거래절차를 분석한 다음, TradeCard의 활용상의 문제점을 지적하고자 한다.

• 한국정보통신학회논문지
• /
• 제24권4호
• /
• pp.489-493
• /
• 2020

4차 산업혁명의 기술 발달은 세계와 사회의 발전을 가속화 시키고 있다. 4차 산업기술은 Cyber World와 연결되어 국가와 사회 인프라를 발전시키고 4차 산업기술의 응용은 Cyber-city와 Cyber-life system을 창조할 수 있다. Cyber 세계와 현실 세계를 연결시키는 ICT 비즈니스 업계에서는 Cyber 업무와 현실의 업무를 연결시켜야 한다. Cyber 업무와 현실의 업무의 연결 방법 중 한 가지로 AR명함을 사용하는 것이다. AR명함을 스마트폰으로 인식하면 3D 캐릭터가 등장하여 명함 주인공을 소개하도록 한다. 또한, AR 명함은 사업자의 상품·제품·서비스가 AR로 반영되어 제품, 서비스 등에 대한 홍보가 가능하도록 한다. 연결된 유무선 5G 통신을 이용하면, 실시간 전자상거래도 가능하다. 본 논문에서는 Source Coding으로 AR명함 제작하고 AR 명함 platform을 설계할 것이다.

• 지식경영연구
• /
• 제14권5호
• /
• pp.137-149
• /
• 2013

Although business Intelligence system is introduced to many companies over the past decade, The result of business benefits from BI investment are not so significant than expected. But still successful BI system can provide the ability to analyse business information in order to support and improve management decision making across a broad range of business activities. In recently, Business Analytics System(BA) is emerging as advanced alternative of outdated and inefficient BI System. This study is focus on constructing procedure of BA system in KB card company, which is major credit card company in South Korea. In practice there were just few works that mentioned well-designed environment of KMS system, and other contribution of this study is to make a platform which invoke revelation of collective intelligence in data analytic professional users group.

• 대한전자공학회:학술대회논문집
• /
• 대한전자공학회 2003년도 하계종합학술대회 논문집 Ⅳ
• /
• pp.1707-1710
• /
• 2003

In this paper, we propose a method of decision on blurring for business card images using block classification. In the proposed method, an input image is partitioned into 8${\times}$8 blocks and each block is classified into character block or background block using a block energy calculated in DCT domain. Whether the input image is blurring or non-blurring is determined using a ratio of low frequency energy and high frequency energy in DCT domain. Experimental results show that the proposed block classification classifies block well and the proposed decision on blurring decides well for various business card images.

• 디지털산업정보학회논문지
• /
• 제13권3호
• /
• pp.53-64
• /
• 2017

Korean Identification card or driver license is usually used to verify one's identity in Korea. These are also used as an adult certification. Since the form of these ID card is an analog and it needs to be checked with naked eyes, it might be used maliciously. Someone who's got someone else's ID card can do other things. Therefore, it must be reported rapidly when ID card is lost or stolen. The most serious problem might be occurred when they do not recognize and report the loss. They might suffer from pecuniary or mental damage such as opening a mobile phone service, providing loan or credit card, opening a personal checking account, etc. Thus, this study suggests and compares the ways of avoiding these problems. First, the most effective way is to send the authorization code via mobile phones in consideration of build-up period and cost. The person in charge of business processing department using ID card sends the authorization code via registered mobile phone. The owners submits it to the person and their identifications are confirmed. Next effective way is that the person in charge of business processing department using ID card sends text messages via registered mobile phone. Lastly, the most ineffective way is to introduce and implement the electronic ID card ultimately even though it is expensive and takes a long time to build up the system.

• 지능정보연구
• /
• 제25권2호
• /
• pp.1-23
• /
• 2019

소비자의 니즈가 다양해지면서 데이터 마이닝과 고도화된 고객관계관리(CRM) 기법을 활용한 체계적인 마케팅 서비스를 제공하는 기업이 증가하고 있으며, KB국민카드는 고객의 결제 데이터 등을 활용하여 고객 개개인의 니즈를 충족시키고 소비자의 평생가치를 극대화하기 위한 전략을 강조하고 있다. 실시간으로 고객의 카드이용과 고객 행동, 위치 정보 등을 감지하여 진행하는 고효율 마케팅 운영시스템인 스마트 오퍼링 시스템을 운영하고 있으며, 다양한 앱 등과 결합하여 더욱 정교화된 서비스를 제공하고 있다. KB국민카드는 스마트 오퍼링 시스템의 성공과 지속적인 성장을 위해 고도화되고 있는 ICT 기술과 인재 확보를 위한 투자를 진행해야 하며, 장기적인 관점에서의 수익확보를 위한 전략을 확립하여 체계적인 진행이 필요하다. 특히, 프라이버시 침해와 개인정보 유출 등의 문제가 쟁점이 되는 현재 상황에서 고객 정보를 활용한 마케팅에 대한 고객의 인식을 긍정적으로 유도하고, 보안성을 강조하는 기업 이미지 형성을 위한 노력이 필요하다. 본 연구는 CRM 전략의 변화 과정을 통해 현재 카드사의 실시간 CRM 전략을 KB 국민카드의 빅데이터 활용전략과 마케팅 활동을 통해 확인하고자 한다.