• Smart Media Journal
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• v.12 no.5
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• pp.9-16
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• 2023

In the recommendation system of the credit card company, it is necessary to understand the customer patterns to predict a customer's next merchant based on their histories. The data we want to model is much more complex and there are various patterns that customers choose. In such a situation, it is necessary to use an effective model that not only shows the relevance of the merchants, but also the relevance of the customers relative to these merchants. The proposed model aims to predict the next merchant for the customer. To improve prediction performance, we propose a novel model, called Customer-based Recommendation Model (CRM), to produce a more efficient representation of customers. For the next merchant recommendation system, we use a synthetic credit card usage dataset, BC'17. To demonstrate the applicability of the proposed model, we also apply it to the next item recommendation with another real-world transaction dataset, IJCAI'16.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.18 no.1
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• pp.30-45
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• 2024

This study introduces an effective method for predicting individual local tax delinquencies using prevalent machine learning and deep learning algorithms. The evaluation of credit risk holds great significance in the financial realm, impacting both companies and individuals. While credit risk prediction has been explored using statistical and machine learning techniques, their application to tax arrears prediction remains underexplored. We forecast individual local tax defaults in Republic of Korea using machine and deep learning algorithms, including convolutional neural networks (CNN), long short-term memory (LSTM), and sequence-to-sequence (seq2seq). Our model incorporates diverse credit and public information like loan history, delinquency records, credit card usage, and public taxation data, offering richer insights than prior studies. The results highlight the superior predictive accuracy of the CNN model. Anticipating local tax arrears more effectively could lead to efficient allocation of administrative resources. By leveraging advanced machine learning, this research offers a promising avenue for refining tax collection strategies and resource management.

• Journal of Satellite, Information and Communications
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• v.8 no.2
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• pp.1-5
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• 2013

Recently, the spread of a variety of electronic card is using as credit cards, transportation cards, passports, driver's licenses, public phone card, and etc. LED smart cards need to raise application technique because variety of LED smart cards increasing supply and usage. in this paper, we propose a LED smart card contained inside the card that piezoelectric method flexible Ultra-thin speaker. and a melody flows when User using the LED smart card.. Therefore we are verified to useful through develop to electronic card that was designed system circuit and implemented circuit add in ultra-thin flexible Speaker based on piezoelectric.

• Asia Marketing Journal
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• v.12 no.2
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• pp.155-175
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• 2010

Most of the service industries including finance and telecommunications have become matured and saturated. The competitions have become severe while the differences among brands become smaller. Therefore maintaining good relationships with customers has been critical for the service providers. In case of credit card and debit card, the similar patterns are shown. It is important for them to maintain good relationships with customers, and therefore, they have used marketing program which provides customized services to customers and utilizes the membership programs. Not only do they build and maintain good relationships, but also highlight their brands from the emotional aspects. For example, KB Card or Hyundai Card uses well-known designers' works for their credit card design. As well, they differentiate the designs of credit cards to stress on their brand personalities. BC Card introduced the credit card with perfume that a customer would like. Even though the credit card is small and not shown to public easily, it becomes more important for those companies to touch the customers' feelings with the brand personalities and their images. This is partly because of changes in consumers' lifestyles. Y-generations becomes highly likely to express themselves in many different ways and more emotional than X-generations. For the Y-generations, therefore, even credit cards in the wallet should be personalized and well-designed. In line with it, credit cards with good design can be seen as an example of brand identity, where different design for each customer can be used to recognize the membership groups that customers want to belong. On the other hand, these credit card companies offer the special treatment benefits for those customers who are heavy users for the cards. For example, those customers who love sports will receive some special discounts when they use their credit cards for sports related products. Therefore this study attempted to explore the relationships between relational benefits, brand identification and loyalty. It has been well known that relational benefits and brand identification lead to loyalty independently from many other studies, but there has been few study to review all the three variables all together in a research model. Furthermore, as reviewed above, in the card industry, many companies attempt to associate the brand image with their products to fit their customers' lifestyles while relational benefits are still playing an important role for their business. Therefore in our research model, relational benefits, brand identification, and loyalty are all included. We focus on the mediating effect of brand identification. From the relational benefits perspective, only special treatment benefit and confidence benefit are included. Social benefit is not applicable for this credit card industry because not many cases of face-to-face interaction can be found. From the brand identification perspective, personal brand identity and social brand identity are reviewed and included in the model. Overall, the research model emphasizes that the relationships between relational benefits and loyalty will be mediated by the effect of brand identification. The effects of relational benefits which are confidence benefit and special treatment benefits on loyalty will be realized when they fit to the personal brand identity and social brand identity. In the research model, therefore, the relationships between confidence benefit and social brand identity, and between confidence benefit and personal identity are hypothesized while the effects of special treatment benefit on social brand identity and personal brand identity are hypothesized. Loyalty, then, is hypothesized to have positive relationships with personal brand identity and social brand identity. In addition, confidence benefit among the relational benefits is expected to have a direct, positive relationship with loyalty because confidence benefit has been recognized as a critical factor for good relationships and satisfaction. Data were collected from college students who have been using either credit cards or debit cards. College students were regarded good subjects because they are in Y-generation cohorts and have tendency to express themselves more. Total sample size was two hundred three at the beginning, but after deleting those data with many missing values, one hundred ninety-seven data points were remained and used for the model testing. Measurement items were brought from the previous literatures and modified for this research. To test the reliability, using SPSS 14, chronbach's α was examined and all the values were from .874 to .928 exceeding over .7. Using AMOS 7.0, confirmatory factor analysis was conducted to investigate the measurement model. The measurement model was found good fit with χ²(67)=188.388 (p= .000), GFI=.886, AGFI=.821, CFI=.941, RMSEA=.096. Using AMOS 7.0, structural equation modeling has been used to analyze the research model. Overall, the research model fit were χ²(68)=188.670 (p= .000), GFI=.886, AGFI=,824 CFI=.942, RMSEA=.095 indicating good fit. In details, all the paths hypothesized in the research model were found significant except for the path from social brand identity to loyalty. Personal brand identity leads to loyalty while both confidence benefit and special treatment benefit have a positive relationships with personal and social identities. As well, confidence benefit has a direct positive effect on loyalty. The results indicates the followings. First, personal brand identity plays an important role for credit/debit card usage. Therefore even for the products which are not shown to public easy, design and emotional aspect can be important to fit the customers' lifestyles. Second, confidence benefit and special treatment benefit have a positive effects on personal brand identity. Therefore it will be needed for marketers to associate the special treatment and trust and confidence benefits with personal image, personality and personal identity. Third, this study found again the importance of confidence and trust. However interestingly enough, social brand identity was not found to be significantly related to loyalty. It can be explained that the main sample of this study consists of college students. Those strategies to facilitate social brand identity are focused on high social status groups while college students have not been established their status yet.

• Proceedings of the CALSEC Conference
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• 1999.07b
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• pp.491-500
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• 1999

Recent increase of commercial network Integration to World Wide Web(WWW) shifts an ordinary commerce to electronic environment. This draws more people to examine re-assurance of their secure transaction. This study investigates current status of security methodology for Electronic Payment System and extracts important axis of security level for electronic payment. Using these axis as security evaluation criteria, the research proposes a security matrix which consists of four different level of security granularity, hence allowing evaluation of a nation-wide credit card based payment system. Feasible usage of this matrix contributes to security analysis of the electronic system as whole, hence providing better secured electronic environment.

• Journal of the Korean Home Economics Association
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• v.29 no.3
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• pp.263-274
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• 1991

This article reports on a study designed to investigate the nature of compulsive-like buying behavior among the normal urban housewives. A previously tested compulsive buying scale was administered to a sample of 566 urban housewives. As predicted by the hypotheses, compulsive buying tendencies correlate negatively with self-esteem and life satisfaction: positively with materialism, early consumption experience, one's susceptibility to social influence, advertising of women journal, irrational credit card usage. But age, education, and family income don't explain compulsive buying tendencies. Several other findngs are reported and discussed. Areas where further research should be done are suggested.

• Journal of Digital Convergence
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• v.16 no.9
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• pp.421-426
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• 2018

This study is meant to derive what is needed to enhance the convenience and satisfaction of users of mobile credit card applications. For the first step, the current status of simple payment service using application has been identified and in-depth interview by reorganizing Peter Morvile's Honeycomb model into the five usage principle based on the main function of the application card. As a result, it was found that users prefer personalized services that fulfill the purpose and key functions of the app card and take into account their consumption patterns rather than too many additional functions. Based on this study, it is expected that it would help card companies increase their experience with app card users and strengthen their platforms.

• Journal of the Korean Society of Clothing and Textiles
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• v.24 no.6
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• pp.787-798
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• 2000

This study intended to investigate the benefits sought in 2(i s female formal wear and the clothing behaviors of 20's working women segmented by the benefits of female apparel and to provide marketing strategy on the segmented market. The subject of this study were 605 working women in their 20's living in seoul, and survey based on references and formal studies was used. The results of data analysis are as follows: 1. The factor structures of the benefit sought in clothing products were classified into symbolismㆍaesthetics, and practicality. 2. Consumer groups were segmented into four groups by the benefit factors sought in clothing products. 3. Product involvement, fashion involvement, information search and brand loyalty were proven significantly different among the segmented consumer groups. Demographic variables and purchasing traits such as subjective social class, average monthly expenditure on clothing, and usage of fashion credit card or credit cards were proven to significantly different among the segmented consumer groups.

• Information Systems Review
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• v.21 no.2
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• pp.1-27
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• 2019

It is possible to provide Smart Tourism Service through the development of information technology. It is necessary for the tourism industry to understand and utilize Big Data that has tourists' consumption patterns and service usage patterns in order to continuously create a new business model by converging with other industries. This study suggests to activate Jeju Smart Tourism by analyzing Big Data based on credit card usage records and location of tourists in Jeju. The results of the study show that First, the percentage of Chinese tourists visiting Jeju has decreased because of the effect of THAAD. Second, Consumption pattern of Chinese tourists is mostly occurring in the northern areas where airports and duty-free shops are located, while one in other regions is very low. The regional economy of Jeju City and Seogwipo City shows a overall stagnation, without changes in policy, existing consumption trends and growth rates will continue in line with regional characteristics. Third, we need a policy that young people flow into by building Jeju Multi-complex Mall where they can eat, drink, and go shopping at once because the number of young tourists and the price they spend are increasing. Furthermore, it is necessary to provide services for life-support related to weather, shopping, traffic, and facilities etc. through analyzing Wi-Fi usage location. Based on the results, we suggests the marketing strategies and public policies for understanding Jeju tourists' patterns and stimulating Jeju tourism industry.

• The Journal of the Korea Contents Association
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• v.9 no.8
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• pp.64-72
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• 2009

AMR(Automatic Meter Reading), which means that it reads the meter of electricity, gas, or water, etc at a remote place automatically through wired or wireless communication, has been studied in terms of Power Line Communication method and Local Area Wireless Communication method, etc. In this paper, we designed and implemented JCA(Java Card for AMR) capable of AMR, which is based on java Card technology indispensable to the ubiquitous world. In this paper, JCA follows standard transactional procedures offered by power supply company and manages power usage log and billing data, and is designed in order to satisfy EMV multi-functional specifications. Because JCA is a multi-functional smart card capable of post-issuance applets as an open platform, it is installed into other applications of affiliated concerns as well as credit card and traffic card applications. Not only the proposed JCA is a low cost system, compared to other AMR systems, but is capable of paying rates in advance or later by applying authentication and security function of java Card. In addition the proposed JCA system can create value added services such as affiliated services with corporate alliance.