• Journal of the Korean Home Economics Association
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• v.36 no.11
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• pp.219-230
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• 1998

The purpose of this study was to understand credit card uses and debt burden of the multiple credit card holders. Data were obtained from 428 housewives living in Seoul. OLS regression analysis was used for examining factors affecting credit card uses and debt burden for the multiple credit card holders. The findings could be summarized as follows. First, among the three types of credit cards-bank card, retail card, and professional card, the multiple credit card holders tended to have more bank cards than retail and professional cards. Second, holding of the professional card was positively associated with both the frequency and the amount of credit card use per month. Third, the household income, age, employment status, and motive were important factors in predicting their attitudes toward credit card. Forth, the level of education, employment status, holding of the professional card, motive, amount of credit card use, and attitude toward credit card had singificant effects on their perceived debt burden.

• The KIPS Transactions:PartD
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• v.9D no.3
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• pp.477-486
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• 2002

vCard that is the electronic business card automates the exchange of personal information typically found on a traditional business card. vCard information contains not only simple text, but also graphics and multimedia data like pictures, company logos, Web addresses, and so on. This paper describes the design and implementation of Web-based vCard agent system for exchanging vCard, an electronic business card and searching another user's vCard in mobile phone environment. In today's business environment, such as that this information is typically exchanged on business cards. Our web agent system in this paper connect web server which provide vCard service and search, edit vCard information displayed by web browser of mobile phone and exchange vCard with another user through internet. Considering characteristics of wireless devices that have limited storage space, It also saves constructed XML documents that include user's informations in a web server and solves the security problem by exchanging not personal data or XML but encrypted directory name where XML document exits as exchanging vcard.

• Journal of Families and Better Life
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• v.10 no.2
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• pp.245-261
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• 1992

The Purpose of this study is to find out ;Which is the recognition of housewives abut the credit cards as a financial tool\ulcorner by what kind of motive is the use made\ulcorner How important the using credit card in the financed to household\ulcorner For this purpose, a survey was conducted by interview using questionnaire. The data were analyzed by frequency , percentage, arithmetic mean, standard deviation, x2 -test, ANOVA, correlation, multiple regression using SPSS/PC+ linear structural relationship using LISREL VI program. the conclusion deduced through result of data analysis and the discussion are as follows; First, in the respondent housekeeping, monthly average repayment of credit card is about 1/3 of the living expenses. Second, the knowledge of respondents about credit card was low generally Third, respondents use credit card by the motive of circulating money rather tan the motive of convenience. Fourth , generally respondents are not overdue the charge of credit card, but the smaller the cost of living is or the larger the motive of using credit card, the more overdue the charge of credit card. Fifth, as a result of linear structural relationship among the information credit card, motive of use and management behavior, the motive of using credit card effect on the management of credit card more directly than the knowledge of credit card. Sixth, as credit card is spread widely on the future, the information of credit card will be important variable on the personal credit and the management of credit card will be more important in the household financial management.

• Journal of Korea Multimedia Society
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• v.11 no.1
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• pp.117-128
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• 2008

Recently, as the increase in interaction between the person and the person, the people plentifully use the business card to exchange personal information. So, the people have many business cards. Thus, the people are liable to lose the business cards and finding a wanted business card is very difficult in the huge business cards in offline. And, the people think the business card is a way, which can express individuality. So, the people want to have the business card, which has individuality. Thus, this paper proposes the card system, which is satisfied to solve many problems of the card system in offline and express individuality. The proposed business card system can produce various business cards and puts contents such as video, photo, voice into business cards via mobile devices in anywhere, anytime. Also, this business card system follows the vCard format, which is a file format standard for personal data interchange. Finally, we provide with content-based business card retrieval using video and photo inserted into business cards. Thus, this paper proposes the hybrid business card system, which is satisfied to produce business cards expressed individuality and follows the vCard format.

• Journal of Computing Science and Engineering
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• v.5 no.1
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• pp.51-70
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• 2011

This paper introduces a new credit card payment scheme called No Number Credit Card that can significantly reduce the possibility of credit card fraud. The proposed payment system is loosely based on Kerberos, a cryptographic framework that has stood the test of time. In No Number Credit Card, instead of card numbers, only payment tokens are exchanged between the customers and merchants. The tokens are generated based on the payment amount, payment type, client information, and merchant information. However, it does not contain the credit card number, so the merchant or a database hacker cannot acquire and illegally use any credit card numbers. The No Number Credit Card system is ideal for online e-commerce transactions and can be used with any credit card that users possess. It can be used with minor modifications to the current card payment system. We provide the principles of its operation through scenario analysis, a sample implementation, and a security analysis

• Journal of Korea Society of Digital Industry and Information Management
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• v.8 no.3
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• pp.147-156
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• 2012

Most people in our society use credit card instead of cash or check, so credit card is very important economic method. Credit card supposed to be safe, but hackers hack credit card for illegal deal. Also hackers make fake credit card and issue fake credit card to other people. In this thesis it will study and analyze damage case for safe credit card deal. It will use safe credit card system to insert variety of information and data of using pattern in artificial intelligence network, so print out the possibility of risk and monitor the risk of credit card user's deal pattern, so if one of user's pattern is different than normal pattern, it will pop up message in consultant's screen. This thesis will study and suggest way of prevent from illegal deal and user friendly credit card checking system.

• International journal of advanced smart convergence
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• v.11 no.1
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• pp.64-69
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• 2022

The current research examines whether consumers' preference for credit card benefits (i.e., general credit card benefits vs. credit card benefits related to green life) differs according to their pro-environmental disposition. Specifically, we predict that for consumers with high (vs. low) pro-environmental disposition, their preference for credit card benefits related to green life will be higher, while preference for general credit card benefits will not be different between low and high pro-environmental disposition groups. An online survey (N = 487) was conducted to test the hypotheses. Consistent with the hypotheses, the results indicate that (1) respondents with high pro-environmental donation intention, as compared to those with low pro-environmental donation intention, had higher preference for credit card benefits related to green life; and (2) there was no significant difference in preference for general credit card benefits between high and low pro-environmental donation intention groups. We suggest an important insight into how credit card companies approaching ESG issues can increase their consumers' preference for credit card benefits relevant to green life, considering consumers' individual differences such as pro-environmental disposition.

• Journal of Korea Multimedia Society
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• v.10 no.9
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• pp.1197-1208
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• 2007

These days, most of SMART card, JAVA card, picked up the JAVA Card Platform gets the position as a standard. Java Card technology provides implantation, platform portability and high security function to SMART Card. Compared to normal Smart Card, JAVA card has a defect that is a low running speed caused by a distinctive feature of JAVA programming language. Factors that affect JAVA Card execution speed are the method how to save the data and install the applets of JAVA Card installation instrument. In this paper, I will offer the plan to improve JAVA Card program's loading and execution speed. At Java Card program, writing, updating and deleting process for data at EEPROM can be improved of Java Card speed by using high speed RAM. For this, at JAVA Card as a application of RAM, I will present prefetching LRU-ORL Buffer Cache Technique that is suitable for Java Card environment. As a data character, managing all data created from JAVA Curd at Buffer Cache, decrease times of recording at maximum for EEPROM so that JAVA Card program upload and execution speed will be improved.

• Information Systems Review
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• v.8 no.3
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• pp.65-80
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• 2006

This paper proposes a new infrastructure that supports divisible card payment where a combination of multiple credit cards can be used for a single purchase. The divisible card payment infrastructure modifies the existing payment system in two ways. First, the V-Card Manager(VCM) is added to the merchant side to handle the divisible card approval process from respective credit-card issuers. Second, the V-Card Agent(VA) is added to the customer side and generates a customized divisible card, called V-Card, based on the customer's preferences. This paper provides a customizing card payment method that supports divisible payments based on profits and preferences of customers.

• Journal of Korea Multimedia Society
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• v.5 no.2
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• pp.231-238
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• 2002

As electronic commerce is becoming more popular on the Internet, smart cards have been used for safe transfers and transactions on I-commerce popularly. Especially, Java Card considered as a COS for the next generation must take advantage of the good points of Java Language by using this language and making programs asked for by various demands. In this paper, we proposed efficient management system of mileage on the Internet using Java Card. The system has security for data and the simplicity of application development by Java Card cryptography. The system is an independent program saved un Java Card and can calculate and save mileage, although the characteristic of the mileage is different from others through the calculating Process of the Card. Also, the system is developed to encourage the efficiency of a system after comparing and contrasting between established systems and the newly designed one in simulation.