• Journal of the Korea Institute of Information Security & Cryptology
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• v.29 no.4
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• pp.753-773
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• 2019

CV(Connected Vehicle) technology provides safety-related services and user convenience-related services to vehicle. Safety-related services can cause privacy problem by continuously transmitting vehicle information to nearby vehicles or base stations. Therefore, safety-related services should provide vehicle anonymity for privacy protection. However, if convenience-related services such as payment services fail to provide vehicle anonymity, driver information related to safety-related services may also be leaked. In this paper, we design a payment protocol based on ECQV(Elliptic Curve Qu-Vanstone) impicit certificate and group signature that provides BU-anonymity and traceability. The proposed payment protocol makes it impossible to track vehicles from payment transactions history by separating roles of payment system components. Moreover, we define the security requirements that the vehicle payment protocol must satisfy and show that the protocol satisfies the requirements.

• The Journal of Information Systems
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• v.27 no.2
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• pp.115-134
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• 2018

Purpose In recent years, mobile payment service users have been rapidly increasing. Previous researchers focused on the mobile usage situation such as the elements of mobile payment service, usage pattern, and user behaviors, and the research that is approached from the viewpoint of the user is still insufficient. The aim of this study is to suggest a acceptance-resistance motivation model of choosing a mobile payment service based on the Herzbergs Two-Factor Theory by investigating users' motivation and hygiene factors. Design/methodology/approach For the purpose, literature reviews on factors of choosing a mobile payment service were conducted and classified motivation and hygiene factors. Two hypotheses were set as follows: Hypothesis I is that motivation factors have a positive impact on the choice of mobile payment service, and Hypothesis II is that hygiene factors have a negative impact on the choice of mobile payment service. To test two hypotheses, this study conducted an online questionnaire survey and a multivariate discriminant analysis. Findings The result found that mobile payment service is more likely to be replaced with mobile by improving convenience, simplicity, and ease of use that affect the acceptance motivation of mobile payment service. This result supported the Hypothesis I but not Hypothesis II and contributed to provide implications for future mobile payment service development and marketing utilization.

• The Journal of the Korea institute of electronic communication sciences
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• v.15 no.2
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• pp.231-236
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• 2020

In today's society, the majority of people use smartphones, and mobile ordering and payment systems for their convenience are gaining their attention. The mobile payment market is on the rise, with over 71% of the market that is already formed in China. Many mobile payment markets are growing in Korea, which is a system that is provided only in large franchises. In this paper, we propose a mobile ordering and payment system using short-range wireless communication technology that can be easily used not only in franchises but also in the small businesses, and for the convenience of users in modern society to make a system that enables ordering and payment through mobile to communicate between the devices developed by short range wireless communication technology, smartphone and the main server.

• International Journal of Advanced Culture Technology
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• v.8 no.1
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• pp.38-43
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• 2020

This study examines the factors affecting the usage and diffusion of mobile easy payment services which is fast growing industry recently. After wide reviewing previous research about mobile payment, Some factors are identified as the factors influencing intention to use mobile easy payment services-confidence, innovativeness, mobile self-efficacy, relative advantage- through several mediating factors- perceived ease, perceived usefulness, perceived risk. Empirical study for a research model showed confidence, mobile self-efficacy and relative advantage are effective to the intention to use mobile easy payment services via perceived usefulness and perceived risk. Based on the results of the study, some practical implication for customer retention and acquisition are suggested.

• International Journal of Contents
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• v.15 no.4
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• pp.82-88
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• 2019

The purpose of this study was to investigate the key factors that influence consumers' preference for mobile payment in China. China has been quietly experiencing a third technological revolution that has markedly changed the way of life for its people. We used the structural equation modeling with 573 Chinese people to investigate the mobile-payment system in China based on the technology acceptance model. We found that factors such as value of service, security, convenience, and perceived usefulness have an impact on consumer satisfaction, and that satisfaction supports consumer purchasing. Also, it is possible to conclude that this proven instrument will assist researchers to further develop and refine mobile-payment research models.

• Proceedings of the Korea Inteligent Information System Society Conference
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• 2005.11a
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• pp.226-233
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• 2005

Ubiquitous computing is a study area explained in a myriad of contexts and technological terms. So when you try to define it with simple words, it gets even more confusing. Payment. however, refers in nature to an act of money transfer from one entity to another, and it is obvious that a payment method will be valued as long as the transaction can be completed with safety no matter what technology was used. In the end, the key to U-payment is convenience and security in the transfer of financial information. The purpose of this paper is to find a desirable U-payment scheme by looking at the characteristics of seamlessness under the ubiquitous environments, Strong Personal Device, and peer-based if information transactions. We also propose U-SDT Protocol integrating critical technologies such as Radio Frequency Identification (RFID), Bluetooth, Personal Payment Device, Account Managing Application and Transaction ID as a way to make transactions between users seamless and secure better privacy protection.

• Journal of Korea Society of Digital Industry and Information Management
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• v.15 no.4
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• pp.51-62
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• 2019

Recently, as the number of Smart Phone users increase, the simple payment system has been able to make payments using only card information such as a registered password without extra authorized certificate authentication or input of card information. In this paper, it will examine and analyze simple payment system provided by IT companies and financial institutions and the simple payment system that operates global online payment system by case view of operational direction. Then with this examination, it will study ways to improve the problems with terms of convenience and stability in terms of users. In this paper, it will analyze the inconvenient problem in using the QR code system that recently introduced and will propose solutions. Also, it will propose suggestions to solve inconvenience that caused by system that supports NFC simple payment terminal in Korea is not universalize by analyze case study on the overseas simple payment system. It will also propose opinions on the matters that customer having responsible for event of a small financial accident related to loss or theft when using the simple payment system. Then it will suggest expected requirements to prepare new security technical countermeasures and solve the conditions of meeting expectation satisfaction of users.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.10
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• pp.231-240
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• 2020

E-commerce development led to the explosion of online payment. Consumers have many choices when deciding on the online payment method for each transaction. Using a combination of both qualitative and quantitative methods with the help of SPSS AMOS version 22.0, the article explores the factors that influence consumers' online payment method decision behavior in Vietnam. Research results show that awareness of usefulness, awareness of risk, awareness of trust, awareness ease of use, product uncertainly perception and perceived behavioral control have effects on the behavior of deciding on online payment methods. Awareness of risk has the strongest negative impact on online payment method decision behavior and awareness of usefulness has the strongest positive impact on online payment method decision behavior. Based on these important results, the article proposes a number of implications: (i) continuing to invest and upgrade modern technology to ensure customer information absolutely confidential; (ii) converting all ATM cards on the market to EMV chip standard card technology; (iii) improving service activities, quickly handle things to create confidence for customers; (iv) credit institutions operating in the field of online payment linked to e-commerce sites, supermarkets, convenience stores, restaurants must ask partners to increase transparency for the products.

• Smart Media Journal
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• v.9 no.4
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• pp.73-80
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• 2020

With the advent of the Internet era, consumer lifestyles have been changed tremendously, and mobile payment has carried out an increasingly extensive coverage of the people's life trajectory. Taking the design of the mobile payment interface as an example, we use a conjoint analysis method to survey college students in Guangxi, where questionnaires are collected from 270 people in different groups according to gender. The method separates the attributes that affect consumer choice of mobile payment interface design and the utility value of the attribute level to analyze consumer needs and preferences, and then obtains consumers' potential evaluation criteria for mobile payment interface design. The results of the study show that the attributes that influence consumers' choice of mobile payment interface design are, in order of preference: page layout, identification convenience, verification, module distribution, entertainment, and information encryption. Consumer groups of different genders show differences in their preferences in the mobile payment interface design and Consumer needs reflect consumer psychology. Several findings are obtained on the consumers' preferences on the mobile payment interface design, which may be used to improve future design processes.

• The KIPS Transactions:PartC
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• v.9C no.3
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• pp.351-358
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• 2002

Recently, personal business styles have been rapidly changed into e-business due to the rapid progress and deployment of Internet. As a result of the change, new and safe ways of payment such as electronic wallet, electronic money and electronic check have been developed and introduced. In this paper a secure and user-friendly payment method is addressed. One of most important reasons why newly developed safe payment methods are not widely used in e-business is lack of convenience for the users. On the other hand credit card based payment, which is traditional one, is the most prevailing due to the user-friendliness. However this payment also has some problem in sense of security. In this paper, we design and implement a secure credit card-based payment system using one-time credit information. The main features are "payment information must be new", "can use the old credit system", and "do not require client software".