• Journal of Korea Society of Digital Industry and Information Management
• /
• v.8 no.2
• /
• pp.67-79
• /
• 2012

As credit cards are more convenient than cash of heavy and volume, they are used widely in on_line (internet) and off_line in nowadays. A head of the economically active population had 4.8 credit cards in the third quarter 2011. The economically active population in their 20's and 30's may have more than 10 credit cards. If the membership card and point card are included, the count rise to 20 cards in a man. Therefore, the their purse become thick by several cards. Nowadays, the smart-phone is widely used. Therefore, a lot of credit cards are come in smarty-phone from analog form to digital form. In this paper, we study a method of digital credit cards management in smart-phone. For the method, the hardware need in small and existing system have a few change. All kinds of credit cards are used in smarty-phone. We compare the method with Moneta card and NFC of smarty-phone. The digital credit cards feature a light, safety and convenience of mobile users in several ways.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
• /
• 2009.05a
• /
• pp.797-800
• /
• 2009

RFID enabled credit cards are becoming increasingly popular as contactless credit cards. We envision a future where RFID credit cards will be used for online shopping. RFID system has tremendous potential to render electronic payments more secure than normal credit cards. The word RFID enabled credit cards may bring in mixed passion, enthusiasm and perhaps even rage! This is partly paranoia and partly reality. The reality is that an intruder can read RFID cards without the user even noticing it. This brings in a zone of discomfort and leads to paranoia. Certain interactivity should exist to bring back this comfort to the user. This paper tries to make an effort in that direction. In this paper we propose mobile phone based architecture for secured electronic payments using RFID credit cards.

• Journal of the Korea Institute of Information Security & Cryptology
• /
• v.18 no.1
• /
• pp.31-39
• /
• 2008

The development of next-generation resident registration cards, financial IC cards and administrative agency IC cards based on a smart card is currently coming out in Korea. However, the low-price IC cards without countermeasures against side channel analysis attacks are expected to be used fer cost reduction. This paper has investigated the side channel resistance of financial IC cards that are currently in use and have performed DPA attacks on the financial IC cards. We have been able to perform successful DPA attacks on these cards by using only 100 power measurement traces. From our experiment results, we have been able to extract the master key used for encryption of a count PIN number.

• Journal of Family Resource Management and Policy Review
• /
• v.13 no.2
• /
• pp.129-151
• /
• 2009

The first purpose of this study was to reveal the types of shopping value of college students. The second purpose was to examine the change in the perception and management behaviors related to credit cards according to the types of shopping value. The third purpose was to examine the effects of shopping value on perception and management behaviors on credit cards. The data were collected from 392 college students in Seoul by a self-administered questionnaire. Analyses including frequency, mean, factor analysis, Cronbach's alpha, Pearson's correlation analysis, Crosstabulation analysis, analysis of variance, K-means Cluster analysis and Multiple linear regression were conducted using SPSS WIN12.0. The major findings were as follows. First, college students can be categorized into 3 types of shopping values by K-means Cluster analysis of 14 items. The groups were entitled the hedonistic shopping value, the utilitarian shopping value, and the saving shopping value. Second, positive perception and management behaviors related to credit cards were different depending on the types of shopping value. The hedonistic shopping value group had a higher level of positive perception of credit cards and a lower level of credit card management, compared with the other groups. The saving shopping value group had higher levels of both positive perception and management of credit cards. Among the three groups, the utilitarian shopping group had the lowest level of positive perception of credit cards, despite having ahigher level of credit card management. Lastly, the most effective variance on credit card management was the utilitarian shopping value. These results suggest that a healthy shopping value is very important for having a healthy perception and management of credit cards, because shopping value is a critical variance to affect perception and management of credit cards.

• Culinary science and hospitality research
• /
• v.12 no.3 s.30
• /
• pp.186-200
• /
• 2006

This study was conducted to investigate university students' eating out behavior and attitude to coupons and alliance cards in the food service industry. Self administered questionnaires were collected from 435 students. Statistical data analysis was completed using a SPSS v. 12.0 program. The results were summarized as follows: The average age was 21.24. Korean-style food was the most favorite dish when they ate out. Major sources of restaurant information were friends and acquaintances. The factors of choosing restaurants came 'taste', 'hygienic', 'price' and 'service' in that order. Comparing coupons with alliance cards, they used coupons less frequently than alliance cards. The behavior of using coupons and alliance cards indicated that university students regarded alliance cards as more economically helpful than coupons.

• Journal of Family Resource Management and Policy Review
• /
• v.6 no.2
• /
• pp.65-78
• /
• 2002

The proposes of this study were designed to practical use of credit cards on consumers in Kwang-ju. The 371 subjects formatted questionnaires were analyzed to frequency, percentage, crosstabulation and chi-square test by SPSS WIN 10.0. The main results of this study were as following : First, it is analyzed that most consumers have had more than credit cards. Second, it is tended that consumers have influenced to practical use of credit cards by sex, age, marriage, income and living expenses. Third, consumer is use to the spur of credit card, requirement about businessman, credit card connection system and distinction of sex, age, marriage, income, showed difference of relevant distribution between living expenses all. Based on the above, to make the use of credit cards practical and active, it needs more attention from consumers as well as it needs continuous efforts from the authorities concerned. Accordingly, to prevent consumers from overconsuming possibly by imprudent use of credit cards, it suggests systematic consumer training, from which consumers will learn responsible life as a consumer.

• Journal of Family Resource Management and Policy Review
• /
• v.1 no.1
• /
• pp.57-70
• /
• 1997

The purpose of this study is to analyze housewives’ cognition, usage, and management behavior of credit cards according to home management behavior pattern. The sample of this study was selected from the housewives’ living in Seoul who has credit cards. After class-analyzation of the sample, 523 out of 612 repondents were finally selected data. The data were analyzed by the statical methods such as frequency, mean, percentile, Factor Analysis, t-test, ANOVA, Duncan’s multiple range test, Person’s Correlation, and Multiple Regression Analysis through the SAS program package. The major findings of this study are as followers : First, housewives’ usage and management behavior of credit cards was a positive relationship between home management behavior pattern. Second, housewives’ cognition of credit cards showed a significant positive relationship with usage and management behavior of credit card. Third, the most influencial variables on housewives’usage and management behavior of credit cards were their value and home management behavior pattern.

• Journal of the Korean Home Economics Association
• /
• v.43 no.11 s.213
• /
• pp.1-15
• /
• 2005

The purpose of this study was to investigate the attitude, knowledge and need for educational contents about credit cards according to credit card use, and to examine the status of credit card use and the factors affecting credit card management behaviors of college students. The data were collected from 481 college students in Busan and Kyungnam areas by a self-administered questionnaire. Frequencies, Cronbach's alpha, factor analysis, t-test, ${\chi}^2$ analysis, Pearson's correlation analysis and regression analyses were conducted by SPSS WINDOWS. The results from this study were as follows. First, there were no significant differences between the credit card user group and the non-user group in the means of their altitude and knowledge towards credit cards. The mean of each category of the need for educational contents was high in both groups. Second, respondents of the credit card user group answered that they used credit cards whenever necessary, using them to purchase mostly clothing, shoes, and books. Third, credit card management behaviors were influenced by the allowance amount, experience of consumer education related to credit cards, number of total credit cards, attitude towards credit cards, knowledge about credit cards, frequency of credit card use, terms of credit card use and father's occupation. These results suggest that consumer education should be conducted for the credit card management behaviors of college students.

• The Korean Journal of Food And Nutrition
• /
• v.27 no.2
• /
• pp.231-239
• /
• 2014

The purpose of this study was to look into how alliance discount cards affect customers using family restaurants by analyzing and identifying the difference in brand equity and satisfaction according to the propensity of using alliance discount cards. For this purpose, 407 customers who have used family restaurants completed a questionnaire survey. The study findings indicated that (1) there were significant differences in brand equity and satisfaction according to the propensity to use alliance discount cards. Moreover, it was found that groups with a strong propensity to use alliance discount cards had higher brand equity and satisfaction than groups that did not; also, (2) it was found that there were significant differences in brand equity and satisfaction according to the intensity of dependency on alliance discount cards. The group with strong loyalty to alliance discount cards went beyond the level of strong propensity to use alliance discount cards, of preference, and of use, which were previously proposed. This study implied that from mid-to long-term perspectives, it was necessary to operate a policy for more active alliance discounts as well as to ensure sufficient options for partnership benefits. Furthermore, it was essential to maintain the menu and service quality of restaurants, which were intrinsic factors for elevating brand equity and satisfaction in restaurants among dining customers.

• Communications for Statistical Applications and Methods
• /
• v.10 no.2
• /
• pp.319-324
• /
• 2003

In this paper, we review three cards method by Droitcour et al.(2001). And we compare indirect survey methods - randomized response technique, item count method, nominative technique.