• KSII Transactions on Internet and Information Systems (TIIS)
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• 제9권3호
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• pp.1231-1245
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• 2015

People have transferred their business model from traditional commerce to e-commerce in recent decades. Both shopping and payment can be completed through the Internet and bring convenience to consumers and business opportunities to industry. These trade techniques are mostly set up based on the Secure Sockets Layer (SSL). SSL provides the security for transaction information and is easy to set up, which makes it is widely accepted by individuals. Although attackers cannot obtain the real content even when the transferred information is intercepted, still there is risk for online trade. For example, it is impossible to prevent credit card information from being stolen by virtual merchant. Therefore, we propose a new mechanism to solve such security problem. We make use of the disposable dynamic security code (DSC) to replace traditional card security code. So even attackers get DSC for that round of transaction, they cannot use it for the next time. Besides, we apply visual secret sharing techniques to transfer the DSC, so that interceptors cannot retrieve the real DSC even for one round of trade. This way, we can improve security of credit card transaction and reliability of online business. The experiments results validate the applicability and efficiency of the proposed mechanism.

• International journal of advanced smart convergence
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• 제11권4호
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• pp.170-176
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• 2022

Given the critical importance of enhancing the level of ESG practices, the current research examines the impact of credit card users' pro-environmental characteristics (i.e., environmental self-accountability, eco-label involvement) on their satisfaction with credit card benefits related to green life. That is, this research investigates whether consumers' satisfaction with green credit card benefits varies depending on their environmental self-accountability and eco-label involvement. Specifically, we predict that (1) for consumers with high (vs. low) environmental self-accountability, their satisfaction with credit card benefits related to green life will be higher (hypothesis 1); and (2) when consumers have high (vs. low) eco-label involvement, they will be more likely to be satisfied with credit card benefits related to green life (hypothesis 2). An online survey (N = 293) was conducted to test the two hypotheses. In support of the hypotheses, the results indicate that (1) respondents who had high (vs. low) environmental self-accountability were more satisfied with credit card benefits related to green life, and (2) respondents with high eco-label involvement, as compared to those with low eco-label involvement, reported greater satisfaction with credit card benefits related to green life. We suggest an important insight into how credit card companies approaching ESG issues can increase their consumers' satisfaction with green credit card benefits, considering consumers' individual characteristics such as environmental self-accountability and eco-label involvement.

• 산업경영시스템학회지
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• 제40권4호
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• pp.154-163
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• 2017

Collaborative filtering, one of the most widely used techniques to build recommender systems, is based on the idea that users with similar preferences can help one another find useful items. Credit card user behavior analytics show that most customers hold three or less credit cards without duplicates. This behavior is one of the most influential factors to data sparsity. The 'cold-start' problem caused by data sparsity prevents recommender system from providing recommendation properly in the personalized credit card recommendation scenario. We propose a personalized credit card recommender system to address the cold-start problem, using multiple user profiles. The proposed system consists of a training process and an application process using five user profiles. In the training process, the five user profiles are transformed to five user networks based on the cosine similarity, and an integrated user network is derived by weighted sum of each user network. The application process selects k-nearest neighbors (users) from the integrated user network derived in the training process, and recommends three of the most frequently used credit card by the k-nearest neighbors. In order to demonstrate the performance of the proposed system, we conducted experiments with real credit card user data and calculated the F1 Values. The F1 value of the proposed system was compared with that of the existing recommendation techniques. The results show that the proposed system provides better recommendation than the existing techniques. This paper not only contributes to solving the cold start problem that may occur in the personalized credit card recommendation scenario, but also is expected for financial companies to improve customer satisfactions and increase corporate profits by providing recommendation properly.

• 한국정보통신학회논문지
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• 제18권3호
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• pp.562-568
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• 2014

컴퓨터기술의 발전에 따라 증강현실(Augmented Reality, AR) 기술이 향후 휴먼 인터페이스기술 발전의 주요 방향중 하나로 대두 되고 있다. 이에 증강현실을 기반으로 한 디지털 명함 시스템을 설계 및 구현하였다. 본 논문에서는 스마트폰을 통하여 간단하게 정보를 인식할 수 있는 디지털 명함시스템에 대해 설명하였다. 디지털 명함 시스템은 시각 기반 방식으로 기존 하드웨어 방식에 비해 정밀도가 높은 장점을 가진다. 또한, 증강현실 기술 중 컴퓨터 시각의 3D 등록 기술과 실제상황 융합 기술에 대해 연구를 하였다. 향후 연구로는 3D전자 지도를 스마트폰 앱 어플리케이션의 매개체로 하여 사용자 측면의 인터페이스에 대한 연구가 필요하다.

• 한국정보통신학회논문지
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• 제18권2호
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• pp.318-328
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• 2014

본 논문은 모바일 환경에서의 명함 인식 성능 향상을 위한 방안으로 서로 다른 알고리즘과 학습 데이터를 갖는 이종(異種)의 명함 인식 엔진을 병렬처리 하여 데이터를 결합하는 하이브리드 OCR 에이전트를 제안하였고, 모바일 카메라의 특성상 촬영자의 환경에 따라 변하는 조명, 촬영방향, 명함의 배경에 적응하는 모바일 카메라에서의 명함 이미지 전처리 기법을 제안하였다. 본 논문에서 제안한 방법으로 하이브리드 OCR 에이전트를 구성할 경우 단일 엔진을 구성하였을 때 보다 국문명함의 명함 인식률이 평균 90.69%에서 95.5%로 향상되었고, 이미지 전처리 기법을 적용함으로써 이미지 용량이 50% 수준으로 줄어들었으며 이미지 전처리 기법을 적용하기 전보다 인식률이 83%에서 92.48% 수준으로 약 9.4%의 향상 효과를 얻을 수 있었다.

• 한국시스템다이내믹스연구
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• 제17권1호
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• pp.77-105
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• 2016

Whenever Information leak case had been happened, even though IT Infra systems were reinforced, those cases of kind were not decreased. It meant that the causes are not only the fault of IT, but also other things. So that the information leak cases should have been studied by the interdisciplinary way. There was a point of view for the Business Ethics which needed to be studied in the interdisciplinary way. Financial Information Leak Case of three representative Card Companies in Korea which is happened in 2014 was a case which was composed by many problems. These were bad circumstances, half-educated, lower salary, and the most of all, the C-Levels' ignorance of the law. By studying the CLD: Causal Loop Diagram of Business Ethics and those mentioned factors, few meanings were discovered. Firstly, this case was not a accident, but a predeterminate issue at all, because of the structural unethical corruption. Secondly, main reason of this case was not only criminals who leaked information, but also managers, especially CEO who didn't obey the law, forced that to employees. Thirdly, although those companies had moral guide and did CSR activities, it was not help to protect this information leak case. This study shows that the important thing was not the action for showing, but effective action to management for sustainability.

• 한국컴퓨터정보학회논문지
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• 제12권6호
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• pp.201-206
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• 2007

정보통신기술의 발전은 인터넷뱅킹과 e-business의 활성화를 가져왔고 그 매체로써의 스마트카드는 전자서명 인증관리센터의 사용자인증용으로 전자화폐, 교통카드, 출입카드 등으로 널리 보급되어 보편화되고 있다. 정보통신 공중망을 이용하는 분야에서는 스마트카드에 대한 보안과 카드 소지자의 프라이버시 보호가 매우 중요하다. 스마트카드 보안의 핵심은 사용자 인증으로 스마트카드에 대한 안전한 사용이다. 프라이버시 보호를 위한 익명성 보장과 가용성을 위한 서비스거부공격에 대한 대책이 필요하다. 본 논문에서는 Hwang-Li's, Sun's, L-H-Y scheme을 분석한 다음 일회용 해시함수를 사용하여 세션마다 안전하게 패스워드 확인자를 변경하고 익명성과 서비스거부공격에 안전한 보다 효율적인 새로운 스마트카드 인증 프로토콜을 제안한다.

• 디지털콘텐츠학회 논문지
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• 제4권1호
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• pp.1-10
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• 2003

본 연구는 인터넷에서 사용하는 주문형 전자카드 서비스 방법 및 시스템설계에 관한 것으로, 사용자의 신용카드번호, 선불카드번호, 은행계좌 등을 포함하는 신용정보를 입력받는 단계부터 시작하여 주문형 전자카드의 승인여부, 거래대금지불승인여부를 거쳐, 지급단계까지의 서비스를 시스템에 관한 연구이다. 이는 사용자가 전자카드의 사용한도. 사용횟수, 유효기간, 충전가능 여부 익명사용여부 등을 사용하고자 하는 거래 형태에 맞추어 직접 설계할 수 있으므로 사용자의 편의성을 보다. 증진시킬 수 있다. 또한 사용자의 설계범위 내에서만 결제가 이루어지므로 카드번호의 분실시에도 그 피해를 설계범위내로 최소화할 수 있다.

• Asia Marketing Journal
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• 제14권3호
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• pp.153-167
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• 2012

KB Kookmin Card has separated as an independent corporation from KB Kookmin Bank Credit Card Business Group on March, 2011. Ever since, KB Kookmin Card worked to build its own brand identity. The strategic preparation and conscientious implementations made KB Kookmin Card position in consumer's mind with a strong and unique brand image. Its new brand image was rooted in the inherited strengths of reliable and sincere image. However, it faced the challenge to compete in credit card industry in which most competitors had an advanced and sophisticated image. The strengths of KB Kookmin Card were also at the same time their limitations. KB Kookmin Card took a strategy that strengthened the strengths and improved the weaknesses. It focused on the core competence of being a people's sincere life supporter that helps people make savings from everyday events to make a good sum rather than being a lump sum benefit. The brand introduction strategy was implemented in 2011. The implementation focused on the activities that made internal as well as external customers be aware of the brand. Communication programs using a variety of media were executed to attain this goal. In 2012, second phase communication programs were introduced to elaborate the newly established brand image. It introduced many extended products as well as accessory programs which targeted the segments. Also, various CSR activities in many social domains helped consumers and the public to consider KB Kookmin Card an authentic, caring, trustworthy, and consistently-developing supporter in their everyday lives.

• 한국전자거래학회지
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• 제2권1호
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• pp.79-94
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• 1997

Commerce activities which are free form space and time constraint using a communication network are called Electronic Commerce(EC). Because of sending a commercial information using open network such as Internet in EC, they need the security of commerce information (payment information and purchase information), checking the integrity of transferring data and certifying all parts participated in commerce for a secure commerce. Recently Visa and MasterCard Co. released the Secure Electronic Transaction (SET) Protocol for secure payment card transaction on Internet. This paper proposes a Secure Electronic Commerce Transaction Model(SECTM) using SET in order to support the secure commerce on Internet. The proposed transaction model prevents merchant from abusing the cardholder's payment information (credit-card number etc.) and enables cardholder to shop securely in Electronic Shopping Mall.