• Journal of the Semiconductor & Display Technology
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• v.11 no.2
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• pp.27-31
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• 2012

This paper proposes a new method of character segmentation in a grayscale image using the standard deviation. Firstly, the proposed method scans vertically the region of interest in an image in order to calculate a standard deviation for each scan line. Characters' standard deviations are much bigger than the background's. Therefore, it is possible to segment characters vertically using the differentiation of those two types of standard deviations. Secondly, the method scans each vertically segmented image horizontally at this time, and then segments each image similarly. The proposed method is implemented using C language in an embedded Linux system for a high-speed real-time image processing. Experiments were conducted by using credit card images. The results show that the proposed algorithm is quite successful for most credit cards. However, the method fails in some credit cards with strong background patterns.

• Journal of the Korean Data and Information Science Society
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• v.14 no.3
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• pp.501-510
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• 2003

Ordinary computer program in the context of MDS for providing separate graphs according to "individuals" is usually referred to as INDSCAL(individual difference scaling), which enables one to detect dissimilarities between "subjects". This article is concerned with applications of INDSCAL concept to MDPREF and perceptual map. Related algorithm is presented and is implemented through illustrative analysis of Korean credit card data.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.28 no.3
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• pp.579-590
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• 2018

In May 2014, AppCard(Which is a smartphone application designed to register and use a credit card in a mobile phone by credit card company.) was attacked by smshing and a vulnerability which could not obtainable phone number. After that, credit card companies have supplemented and operated by introducing additional authentication methods to supplement the vulnerability. However, The analysis of the authentication environments, purposes and methods is not enough to lower the level of vulnerability and risk from existing accidents. This study analyzes the authentication process of the AppCard in the electronic financial service by applying the NIST's authentication guidelines, identifies the problems and suggests improvement directions. The method analyzed in this study can be applied to the analysis of the authentication method in addition to the application card, so that it will be highly utilized.

• Korean Journal of Rural Living Science
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• v.6 no.2
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• pp.173-183
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• 1995

On the basis of intertemporal utility maximization theory and stock-adjustment hypothesis, a multivariate stock-adjustment credit demand model, which included on- and cross-adjustment effects of credit and cross-adjustment effects of assets was developed. With weighted four-year panel data from 1983 and 1986 Surveys of Consumer Finances, the theoretical model was tested using two-stage estimation method for tobit model. The results supported the hypothesis that, in general, the household demand for a certain type of credit was related to the demand for other types of credit and asset components in the portfolio. The household demand for mortgage credit, installment credit and revolving credit card debt depended not only on the disequilibrium of itself but on the disequilibrium of the other types of credit and asset components in the portfolio. The household demand for non-installment credit was related not to the disequilibrium of itself and other types of credit but to the disequilibria of asset components in the portfolio.

• The KIPS Transactions:PartD
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• v.10D no.6
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• pp.1059-1066
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• 2003

In this paper, the magnetic sensing system is designed and implemented for the safe security in internet commerce system. When the payment is required inthe internet commerce system, the magnetic sensing system will get the information from a credit card without keyboard input and then encrypt and transmit the information to server. The credit card sensing system, which is proposed in this paper, is safe from keyboard hacking because it encrypts card information immediately in its internal chip and sends the information to host system. For the protection of information, the magnetic sensing system is basically based on a synchronous stream cipher cryptosystem which is related to a group of matrices. The size of matrices and the bits of keys for the best performances are determined for various cases. It is shown that for credit card payments. matrices of size 2 have good performance even at most 128bits keys with the consideration of inverse matrices. For authentication of general-purpose data, the magnetic sensing system needs more than 1.5KB data and in this case, the optimum size of matrices is 2 or 3 at more 256bits keys with consideration of inverse matrices.

• Journal of Global Scholars of Marketing Science
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• v.13
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• pp.29-47
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• 2004

This study examined the determinants of customer satisfaction in credit card service which has grown rapidly. We are interested in the determinants that affect intention of re-use and recommendation for the credit card. And in this study we adopt and extend the customer satisfaction factors presented in the literatures of retail banking services. The results show that the factors of corporate, innovativeness, physical & staff service and fee affect the customer satisfaction of the re-use intention. We also find that additional services, innovativeness and physical & staff service are the factors for the customer satisfaction of the recommendation intention. Finally, we discuss the managerial implications with a direction of future studies.

• Journal of Intelligence and Information Systems
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• v.8 no.2
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• pp.15-35
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• 2002

Data mining has received a lot of attention from practitioners. That is partly because it allows company to extract a set of useful knowledge about customers from database, thereby retaining current customers and magneting potential customers. This logic is especially essential in the field of credit card industry, where just 5% increase of number of customers is hewn to cause 120% increase in profit. The problem is how to retain current customers and even make them more loyal to company. However, previous studies lacked proposing extensive strategies of reducing the churning rate. In this sense, this study attempts to suggest such strategies by applying neural network, logistic regression, and C5.0 techniques to credit card data. We used a real data set of four years from 1997 to 2000, which were gathered from a credit card company. Experimental results revealed that our approach could yield robust strategies for retaining customers by reducing the churning rate.

• Journal of the Korean Society of Clothing and Textiles
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• v.24 no.3
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• pp.323-334
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• 2000

The purpose of this study was to develop service quality dimensions for fashion retail stores and to identify significant service quality dimensions influencing customers satisfaction for each fashion retail store. 687 young adults completed written questionnaires consisting of items related to service quality. For analysis of data, confirmatory factor analysis, one-way ANOVA, scheffe test, and stepwise regression analysis were applied. The results were as follows: 1. The service quality dimensions of fashion retail stores were tangibles, reliability, responsiveness, assurance, empathy, fashionability and variety, price, convenience, merchandise quality and credit card usability. Among those 10 main dimensions of service quality were grouped as experience attributes and search attributes. 2. In examination of the highest valuable service quality dimension based on the types of stores, imported fashion stores were evaluated the highest in terms of all factors except price, tangibles and credit card usability. 3. To predict consumer satisfaction, service quality dimensions such as reliability, responsiveness, assurance, empathy, fashionability/variety, price, convenience, merchandise quality and credit card usability should be considered.

• Journal of KIISE:Information Networking
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• v.29 no.6
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• pp.645-653
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• 2002

The WPP payment protocol uses the WAP protocol to enable credit card payment on the wireless internet. Since the security of the WAP protocol is based on the WTLS security protocol, there exists an end-to-end security weakness for the WPP payment protocol. This paper is suggesting a payment protocol, which is making use of the Public-Key Cryptosystem and the Mobile Gateway, so assuring end-to-end security independently of specific protocols. As the on-line certification authority is participating on the authentication process of the payment protocol, the suggested payment protocol enables wireless devices to get services from service providers on other domains.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.7 no.8
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• pp.1732-1742
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• 2003

WPP protocol based a Credit card payment in mobile Internet uses WTLS which is security protocol of WAP. WTLS can't provide End­to­End security in network. In this paper, we propose a protocol both independent in mobile Internet platform and allow a security between user and VASP using Mobile Gateway in AIP. In particular, our proposed protocol is suitable in mobile Internet, since session key for authentication and initial payment process is generated using Weil Diffie­Hellman key exchange method that use additive group algorithm on elliptic curve.