• Journal of Digital Convergence
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• v.11 no.12
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• pp.61-67
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• 2013

The B2B e-commerce assurance system supports e-commerce purchases by Credit Guarantee Fund. This process seeks to replace a variety of current systems, including B2C, the credit card payment method on B2B, 2001 Credit Guarantee Fund and the Bank, logistics, e-MP (Market Place), and Business-to-business e-MP (business-to-business electronic payment settlement system). Over the past 10 years of its operation, the e-MP service (B2B e-commerce electronic payment systems) has contributed much to the growth of SMEs. The development of business-to-business e-commerce transactions systems and limits have provided a stable purchasing platform, improving corporate competitiveness. However. the project-based scale of credit guarantee institutions has limitations. To overcome these limitations, we propose a new model of direct or indirect government support for small business e-MP projects. This new model will support the B2B electronic commerce by allowing it to directly involve guarantee institutions directly in B2B online transactions. Therefore, this study urges government backing of the SME based B2B online business model with e-MP service.

• Journal of Distribution Science
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• v.13 no.1
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• pp.83-91
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• 2015

Purpose - Despite the structural irrationality of multi-level transportation and the oil price rise, the domestic freight transportation market continues to grow, mirroring the rise in e-commerce and resultant increase in courier services and freight volumes. Several studies on courier services have been conducted. However, few studies or statistics have been published regarding regular freight services although they have played a role in the freight service market. The present study identifies the characteristics of regular freight service users to seek competitiveness enhancement measures specific to regular freight services. Research design, data, and methodology - IPA is a comparative analysis of the relative importance of and satisfaction with each attribute simultaneously. This study used IPA because it facilitates the process of analyzing importance and performance, deriving implications and a visual understanding of results. To enhance the competitiveness of regular freight services, this study surveyed its current users regarding the importance of the regular freight service factors. A total of 200 copies of a questionnaire were circulated and 190 copies were returned. In addition to demographics, respondents answered questions about the importance of and satisfaction with services on a 5-point Likert scale. Excluding 3 inappropriate copies, 187 out of 190 copies were analyzed. PASW Statistics 18 was used for statistical analysis. A total of 20 question items were selected for the service factors presented in the questionnaire based on the 1st pilot survey and previous studies. Results - According to the IPA performed to compare the importance of and satisfaction with service factors, both importance and satisfaction are high in the 1st quadrant, which involves the economic advantage of using regular freight services, quick arrival at destinations, weight freight handling, and less time constraints on freight receipt/dispatch. This area requires continuous management. Satisfaction is higher than importance in the 2nd quadrant, which involves the adequacy of freight, cost savings over ordinary courier services, notification on freight arrival, and freight tracking information. This area requires intensive investment and management. Satisfaction is lower than importance in the 3rd quadrant, involving the credit card payment system, courier delivery service, distance to freight handling sites, easy access to freight handling sites, and prompt problem solving. This area requires further intensive management. Both importance and satisfaction are low in the 4th quadrant, involving the availability of collection service, storage space at freight handling sites, kindness of collection/delivery staff, kindness of outlet staff, and easy delivery checks. This area is a set of variables should be excluded from priority control targets. Conclusions - Based on the IPA, service factors that need priority controls because of high importance and low satisfaction include the credit card payment system, delivery service, distance to freight handling sites, easy access to freight handling sites, and prompt problem solving. The findings need to be applied to future marketing strategies for regular freight services and for developing competitiveness enhancement programs.

• Journal of the Korean Society for information Management
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• v.26 no.2
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• pp.27-41
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• 2009

With explosive growth in the area of the Internet and IT services, various types of digital contents are generated and circulated, for instance, as converted into digital-typed, secure electronic records or reports, which have high commercial value, e-tickets and so on. However, because those digital contents have commercial value, high-level security should be required for delivery between a consumer and a provider with non face-to-face method in online environment. As a digital contents, an e-ticket is a sort of electronic certificate to assure ticket-holder's proprietary rights of a real ticket. This paper focuses on e-ticket as a typical digital contents which has real commercial value. For secure delivery and use of digital contents in on/off environment, this paper proposes that 1) how to generate e-tickets in a remote e-ticket server, 2) how to authenticate a user and a smart card holding e-tickets for delivery in online environment, 3) how to save an e-ticket transferred through network into a smart card, 4) how to issue and authenticate e-tickets in offline, and 5) how to collect and discard outdated or used e-tickets.

• Journal of the Institute of Electronics Engineers of Korea TC
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• v.42 no.5 s.335
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• pp.23-28
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• 2005

Recently, new concept, NP(Network Processor) was emerged into communication systems to cope with the various service requirements from Internet users. NP is an unique promising technique to capable of implementing of the packet processing in wire-speed and providing the flexibility for supporting the newly network services, having satisfied with implementation using hardware and software respectively in past, This paper deals with the implementation techniques and evaluation results of the line card capable to do packet forwarding function with packet processing power of wire-speed and applicable to various physical interfaces. There are several interfaces of POS, Gigabit ethernet and EPON in E-OLT(EPON Optical Line Terminal) system of PATH(Photonic Access To Home) network. Therefore, the E-OLT's packet forwarding engine have to support various subscriber's interface in wire speed. Our system is implemented the subscriber's card in daughter board and the setup procedure is done by system firmware based on the module's identifier acquired from installed physical board.

• Knowledge Management Research
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• v.23 no.2
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• pp.277-299
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• 2022

The massive card transaction data generated in the tourism industry has become an important resource that implies tourist consumption behaviors and patterns. Based on the transaction data, developing a smart service system becomes one of major goals in both tourism businesses and knowledge management system developer communities. However, the lack of rating scores, which is the basis of traditional recommendation techniques, makes it hard for system designers to evaluate a learning process. In addition, other auxiliary factors such as temporal, spatial, and demographic information are needed to increase the performance of a recommendation system; but, gathering those are not easy in the card transaction context. In this paper, we introduce CTDDTR, a novel approach using card transaction data to recommend tourism services. It consists of two main components: i) Temporal preference Embedding (TE) represents tourist groups and services into vectors through Doc2Vec. And ii) Deep tourism Recommendation (DR) integrates the vectors and the auxiliary factors from a tourism RDF (resource description framework) through MLP (multi-layer perceptron) to provide services to tourist groups. In addition, we adopt RFM analysis from the field of knowledge management to generate explicit feedback (i.e., rating scores) used in the DR part. To evaluate CTDDTR, the card transactions data that happened over eight years on Jeju island is used. Experimental results demonstrate that the proposed method is more positive in effectiveness and efficacies.

• Journal of Convergence Society for SMB
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• v.6 no.2
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• pp.19-24
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• 2016

A Study on the Information Security System of Fin-Tech Business In traditional electronic commerce, there have not been severe issues of trading information through documents in paper or the closed EDI. The scale of e-commerce has increased as internet develops, however, turning to the online e-commerce, which caused a number of issues such as authentication, information forgery, and non-repudiation between the parties. To prevent conflicts from such troubles and perform the post management, security technologies are applied throughout the process of e-commerce, certificates intervening. Lately, meanwhile, FinTech has been creating a sensation around the mobile payment service. Incidents of information leakage from card corporations and hackings imply the need of securing safety of the financial service. Development and evolution of FinTech industry must be accompanied by information protection. Therefore, this research aims to inquire into the information security system of leading FinTech company in a foreign country.

• Journal of Korean Society of Industrial and Systems Engineering
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• v.33 no.4
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• pp.130-137
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• 2010

This paper analyzes the main factors affecting user selection of a small-sum electronic payment system using survey data of 396 users. Several findings emerge. First, users consider three pillars and eight factors in adopting a new system : system features(stability, security, and flexibility), transaction cost(payment commission and settlement period), and financial capability of provider(stability of financial structure, risk management capability, and funding capability). Second, the stability of the financial structure of the system provider is the most important factor to user acceptance of a new e-payment system. Users tend to consider uncertainty risk more seriously than transaction cost. This reflects the reality that electronic payment system service industry has not fully fledged yet. Third, some moderating effects exist according to payment methods and business usages. As for payment methods, speedy settlement cycle for wired/wireless phone payment, system stability for credit card and account transfer payment, and security for advance payment means are crucial factors. As for business usages, the stability of financial structure for online game content, system stability for music and video content, proxy payment commission for e-learning content, flexibility of the payment system for digital adult content, and security for public services are decisive ones.

• 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.

• The Journal of Korean Institute of Communications and Information Sciences
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• v.29 no.12C
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• pp.1692-1706
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• 2004

Recently, there are rapid development of information and communication and rapid growth of e-business users. Therefore we try to solve security problem on the internet environment which charges from wire internet to wireless internet or wire/wireless internet. Since the wireless mobile environment is limited, researches such as small size, end-to-end and privacy security are performed by many people. Wireless e-business adopts credit card WPP protocol and AIP protocol proposed by ASPeCT. WAP, one of the protocol used by WPP has weakness of leaking out information from WG which conned wire and wireless communication. certification chain based AIP protocol requires a lot of computation time and user IDs are known to others. We propose a Micro-Payment protocol based on credit card. Our protocol use the encryption techniques of the public key with ID to ensure the secret of transaction in the step of session key generation. IDs are generated using ECC based Weil Paring. We also use the certification with hidden electronic sign to transmit the payment result. The proposed protocol solves the privacy protection and Non-repudiation p개blem. We solve not only the safety and efficiency problem but also independent of specific wireless platform. The protocol requires the certification organization attent the certification process of payment. Therefore, other domain provide also receive an efficient and safe service.

• Informatization Policy
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• v.22 no.4
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• pp.22-44
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• 2015

With the growing interest being reflected in the FinTech industry, much attention has been paid to mobile easy payment services as well. In the era of mobile commerce, the core advantage of using mobile easy payment services(simplifying complex payment procedures and thus facilitating user convenience and reducing the chance of giving up payment) are being more emphasized. Mobile easy payment service market not only includes mobile easy payment service providers but also users, non-users, affiliates, banks, and credit card companies as main stakeholders. Exploring those stakeholders is thus important to thoroughly understand such market. However, extant literature on mobile easy payment services mostly focuses on examining adoption intention of users or non-users. This study, an exploratory research based on interviews, thus aims to extract driving as well as inhibiting factors of mobile easy payment service use from six different perspectives (i.e., social platform, bank, credit card company, affiliate, user, and non-user) and analyze a sequence of cause and effect for each factor. For this, the causal loop diagram was developed to deduce key issues and propose an alternative. Theoretical and practical implications of this study will also be discussed.