• Title/Summary/Keyword: E-Payment

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Attribute Utility-Based Negotiation Agent Methodology for Customer-To-Customer Electronic Commerce (소비자간 전자상거래를 위한 속성효용기반 자동협상 방법론의 개발)

  • Song Yong U.;Hong June S.;Kim Wooju
    • Journal of Intelligence and Information Systems
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    • v.10 no.3
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    • pp.73-89
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    • 2004
  • Since people have come to access more and more information about products with the proliferation of the Internet, more and more customer-to-customer e-marketplaces are being introduced with rapidly increasing transaction volumes. As the role of customer-to-customer electronic commerce has become increasingly regarded as vital to the economy, much research has delved into developing intelligent agent systems to efficiently support customer-to-customer electronic commerce. Most of this research, however, has focused only on supporting simple negotiation for the price of common goods along the time span. To expand the negotiation object to the differentiated goods, the customer must be allowed to negotiate over multi-at-tributes of the product besides the price, including the attributes related to the transaction activity itself, such as delivery time and payment method. To satisfy this requirement, we propose an agent marketplace for differentiated goods where the agent of a customer can negotiate not only the price but also the various attributes of the product and the transaction in order to achieve a better utility level for both buyer and seller. The formal protocol and the architecture issues to support the proposed e-marketplace and agents are also addressed.

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A Theoretical Framework for the Study of the Affecting Factors on the Internet Technology Adoption at U.S Banks (미국은행의 인터넷 기술 도입요인 분석을 위한 이론적인 틀에 관한 연구)

  • 장용택;유상진
    • Journal of Korea Society of Industrial Information Systems
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    • v.5 no.3
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    • pp.94-110
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    • 2000
  • While most of the previous information technology adoption and diffusion researches focus the critical factors not on the organizational perspective but on the individual perspective based on the various reasons such as informational characteristics. This paper will try to analysis the adoption and diffusion factors of the Internet related technologies based on the organizational perspective. Nowadays, in especially, the evolving and fast diffusing Internet related technologies and the flourishing e-commerce applications pressure retail banks that prepare the new types of online payment systems to maintain their existing and new customer relationship and compete with their potential competitors in the coming market environments. In addition, while most previous researches only focus on the adoption of new information technologies, this paper not only analysis the adoption of innovational technology but also analysis the diffusion process in an organization, which encourage practitioners and researchers to reveal more detail and practical analysis of the innovational technology adoption and diffusion process in ann organizational setting. Based on the previous researches, there are several factor-category will be selected for this research: 1) organizational factor, 2) within banking industry factor, 3) non-banking industry factor, 4) customer acceptance factor, 5) government factor, and 6) the functionality of e-commerce systems factor. Finally, in this study, we assumed that the more sophisticated e-commerce adopting banks provide the more broad range of banking services in general. Thus, we develop the extended integrated technology diffusion model to provide empirical evidences to distinguish between adopters and non-adopters and explain the diffusion levels of e-commerce using the level of services provided via Internet to the customer in retail bank industry.

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An Analysis for Deriving New Convergent Service of Mobile Learning: The Case of Social Network Analysis and Association Rule (모바일 러닝에서의 신규 융합서비스 도출을 위한 분석: 사회연결망 분석과 연관성 분석 사례)

  • Baek, Heon;Kim, Jin Hwa;Kim, Yong Jin
    • Information Systems Review
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    • v.15 no.3
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    • pp.1-37
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    • 2013
  • This study is conducted to explore the possibility of service convergence to promote mobile learning. This study has attempted to identify how mobile learning service is provided, which services among them are considered most popular, and which services are highly demanded by users. This study has also investigated the potential opportunities for service convergence of mobile service and e-learning. This research is then extended to examine the possibility of active convergence of common services in mobile services and e-learning. Important variables have been identified from related web pages of portal sites using social network analysis (SNA) and association rules. Due to the differences in number and type of variables on different web pages, SNA was used to deal with the difficulties of identifying the degree of complex connection. Association analysis has been used to identify association rules among variables. The study has revealed that most frequent services among common services of mobile services and e-learning were Games and SNS followed by Payment, Advertising, Mail, Event, Animation, Cloud, e-Book, Augmented Reality and Jobs. This study has also found that Search, News, GPS in mobile services were turned out to be very highly demanded while Simulation, Culture, Public Education were highly demanded in e-learning. In addition, It has been found that variables involving with high service convergence based on common variables of mobile and e-learning services were Games and SNS, Games and Sports, SNS and Advertising, Games and Event, SNS and e-Book, Games and Community in mobile services while Games, Animation, Counseling, e-Book, being preceding services Simulation, Speaking, Public Education, Attendance Management were turned out be highly convergent in e-learning services. Finally, this study has attempted to predict possibility of active service convergence focusing on Games, SNS, e-Book which were highly demanded common services in mobile and e-learning services. It is expected that this study can be used to suggest a strategic direction to promote mobile learning by converging mobile services and e-learning.

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A Study on the Performance Evaluation of G2B Procurement Process Innovation by Using MAS: Korea G2B KONEPS Case (멀티에이전트시스템(MAS)을 이용한 G2B 조달 프로세스 혁신의 효과평가에 관한 연구 : 나라장터 G2B사례)

  • Seo, Won-Jun;Lee, Dae-Cheor;Lim, Gyoo-Gun
    • Journal of Intelligence and Information Systems
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    • v.18 no.2
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    • pp.157-175
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    • 2012
  • It is difficult to evaluate the performance of process innovation of e-procurement which has large scale and complex processes. The existing evaluation methods for measuring the effects of process innovation have been mainly done with statistically quantitative methods by analyzing operational data or with qualitative methods by conducting surveys and interviews. However, these methods have some limitations to evaluate the effects because the performance evaluation of e-procurement process innovation should consider the interactions among participants who are active either directly or indirectly through the processes. This study considers the e-procurement process as a complex system and develops a simulation model based on MAS(Multi-Agent System) to evaluate the effects of e-procurement process innovation. Multi-agent based simulation allows observing interaction patterns of objects in virtual world through relationship among objects and their behavioral mechanism. Agent-based simulation is suitable especially for complex business problems. In this study, we used Netlogo Version 4.1.3 as a MAS simulation tool which was developed in Northwestern University. To do this, we developed a interaction model of agents in MAS environment. We defined process agents and task agents, and assigned their behavioral characteristics. The developed simulation model was applied to G2B system (KONEPS: Korea ON-line E-Procurement System) of Public Procurement Service (PPS) in Korea and used to evaluate the innovation effects of the G2B system. KONEPS is a successfully established e-procurement system started in the year 2002. KONEPS is a representative e-Procurement system which integrates characteristics of e-commerce into government for business procurement activities. KONEPS deserves the international recognition considering the annual transaction volume of 56 billion dollars, daily exchanges of electronic documents, users consisted of 121,000 suppliers and 37,000 public organizations, and the 4.5 billion dollars of cost saving. For the simulation, we analyzed the e-procurement of process of KONEPS into eight sub processes such as 'process 1: search products and acquisition of proposal', 'process 2 : review the methods of contracts and item features', 'process 3 : a notice of bid', 'process 4 : registration and confirmation of qualification', 'process 5 : bidding', 'process 6 : a screening test', 'process 7 : contracts', and 'process 8 : invoice and payment'. For the parameter settings of the agents behavior, we collected some data from the transactional database of PPS and some information by conducting a survey. The used data for the simulation are 'participants (government organizations, local government organizations and public institutions)', 'the number of bidding per year', 'the number of total contracts', 'the number of shopping mall transactions', 'the rate of contracts between bidding and shopping mall', 'the successful bidding ratio', and the estimated time for each process. The comparison was done for the difference of time consumption between 'before the innovation (As-was)' and 'after the innovation (As-is).' The results showed that there were productivity improvements in every eight sub processes. The decrease ratio of 'average number of task processing' was 92.7% and the decrease ratio of 'average time of task processing' was 95.4% in entire processes when we use G2B system comparing to the conventional method. Also, this study found that the process innovation effect will be enhanced if the task process related to the 'contract' can be improved. This study shows the usability and possibility of using MAS in process innovation evaluation and its modeling.

Importance of Job Tasks, Job Training Requirement and Work Satisfaction felt by Dental Hygienists (치과위생사의 수행업무의 중요성·업무에 대한 교육훈련의 필요도와 만족도 조사연구)

  • Kang, Yong-Ju
    • Journal of Korean society of Dental Hygiene
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    • v.5 no.1
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    • pp.1-13
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    • 2005
  • The study aimed to estimate the importance of job tasks, job training requirement and work satisfaction felt by dental hygienists to help dental hygienists work efficiently and effectively. A total of 142 dental hygienists working in dental hospitals located in J participated in the study. A SPSS 10.10 for Windows was used for statistical analysis. The statistical significance was defined as ${\alpha}$=.05. The results of the study are summarized as follows: 1. The mean score for the importance of job tasks was 4.09. The respondents considered dental clinic management and assistance to dentists the most important among their job descriptions showing the mean score of 4.44. The need for job training was 4.15 in average. The respondents wanted to have training on how to make a dental health insurance claim to receive payment other than any training with the mean score of 4.42. The work satisfaction of the respondents was 3.65 in average. The respondents were most satisfied with their work in dental assistance. 2. By the category of job tasks, the levels of importance of job tasks, job training requirement and work satisfaction were higher in plague removal with an ultrasonic scaler related to clinical oral prophylaxis, pit and fissure sealants related to preventive dental treatment and instruction in the correct usage of toothbrush related to public dental health education 3. In dealing with dental radiation machines, the radiation protection was considered the most important. While the training for periapical radiography was most needed, the respondents were satisfied with working in the same area. The levels of job importance, training requirement and work satisfaction were high in preventive dental care in the community performed in relation to the public dental health care. 4. In the dental health insurance claim category, the levels of importance of job task, training requirement and work satisfaction were higher in insurance claiming. The levels of job importance and training requirement were high in dental clinic management and assistance to dentists performed for preventive dental treatment. The work satisfaction was higher in maintaining medical chart records. The levels of job importance, training requirement and work satisfaction were higher in dental assistance in relation to dental protection. 5. There was significant relationship between the level of importance and work experience. Those with a longer period of work experience had higher levels of job importance in dental health insurance claim, dental clinic management and assistance to dentists and the overall task(pE0.05). 6. A significant relationship was observed between the need for job training in dental cleaning and preventive dental treatment and work experience. Those with more than 8 years of work experience demonstrated that job training is most needed(pE0.05). 7. The work satisfaction level was higher in the group with more than 8 years of work experience, compared with those in other work experience periods(pE0.05). 8. A positive correlation was seen between the level of importance and the need for job training among three variables.

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The Negotiation Model of Negotiation Agents for m-Commerce (모바일 전자상거래를 위한 협상 에이전트의 협상모델)

  • 정진국;이순근;조근식
    • Journal of Intelligence and Information Systems
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    • v.9 no.3
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    • pp.155-175
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    • 2003
  • In context of e-commerce, negotiation is a procedure to help negotiate between buyer and seller by adjusting their negotiation issues such as price and in terms of payment. We used intelligent agent and mobile device to promote new framework of e-commerce. Moreover, this framework can help buyers and sellers to carry their commercial transactions effectively. In regard to that issue, we need to carry out the research of negotiation agent that can be used in e-commerce fields. In this paper, we modeled the negotiation using CSP for the performance of agent in m-commerce environment. Furthermore we implemented interface for mobile device to extract buyer's requirement and preference easily Besides that we used utility function to make a decision for various evaluation functions and suggestions that are used for evaluation of negotiation issues. A difficulty of generating offer is dependent on the number of negotiation issues and the range of the values. Therefore, if any offer has a number of negotiation issues and the range of values are wide, the search space will be exponentially expanded. There have been many studies fur solving this problem, we applied those techniques to improve the agent's ability of negotiation. For example, a contract can be accomplished by exchanging seller and buyer's offer that is generated by agent to adjust the requisite profit for each party. Finally, we show the improvement of satisfaction as the negotiation is processed.

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Expanding User Types for Utilizing Certified e-Document Authorities (공인전자문서보관소의 이용 활성화를 위한 사용자 유형 확대방안)

  • Song, Byoungho
    • The Korean Journal of Archival Studies
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    • no.30
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    • pp.175-204
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    • 2011
  • Electronic records are generated not only in public sector but also in private sector. Records will be used across the public-private boundary. The Certified e-Document Authorities(CeDAs) may keep electronic documents in private sector for preservation and evidence, like the official Record Management Systems for Public sector. A CeDA is the Trusted Third Party (TTP) as a business to be entrusted and proof interchanging documents between parties. This CeDA system could be sustainable only if the CeDA earn the enough sales through enough uses. And yet, all the eight CeDA companies have not had enough users. How to utilize CeDAs is one of the hot issues in this area. In this paper, We analyze the threat to trustworthiness of CeDA due to payment of only one party among others, and describe the difficulty in use of CeDA for an individual user. These things make CeDAs cannot have enough users. To do address these, We expand the boundary of relevant parties for a document, present a delegate-establishing option under a joint name, show the needs of identifying and notifying minimum relevant parties, and suggest the proxy parties to help the individual users.

Design and Implementation of User Authentication Protocol for Wireless Devices based on Java Card (자바카드 기반 무선단말기용 사용자 인증 프로토콜의 설계 및 구현)

  • Lee, Ju-Hwa;Seol, Kyoung-Su;Jung, Min-Soo
    • The KIPS Transactions:PartC
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    • v.10C no.5
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    • pp.585-594
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    • 2003
  • Java card is one of promising smart card platform with java technology. Java card defines necessary packages and classes for Embedded device that have small memory such as smart card Jana card is compatible with EMV that is Industry specification standard and ISO-7816 that is international standard. However, Java card is not offers user authentication protocol. In this paper, We design and implement an user authentication protocol applicable wireless devices based on Java Card using standard 3GPP Specification (SMS), Java Card Specification (APDU), Cryptography and so on. Our Java Card user authentication techniques can possibly be applied to the area of M-Commerce, Wireless Security, E-Payment System, Mobile Internet, Global Position Service, Ubiquitous Computing and so on.

Development of EBPP for Korea e-Post System (우체국 전자상거래 시스템을 위한 EBPP개발)

  • 박태준
    • Proceedings of the Korea Society for Industrial Systems Conference
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    • 1999.12a
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    • pp.411-419
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    • 1999
  • EBPP는 소비자, 사업자간에 고지서 발송, 접수 및 지불을 네트워크를 통하여 전자적으로 처리하는데 필요한 환경을 의미하며, 인터넷을 기반으로 하여 전자우편 혹은 웹 페이지를 통하여 고지서를 처리한다 EBPP 시스템은 크게 소비자, 사업자 그리고 은행간의 거래로 이루어 지지만 컴퓨터 및 인터넷의 보급의 한계 등의 문제로 현재로서 모든 고지서를 전자적으로 처리하는 것은 무리가 따른다. 그럼에도 불구하고 EBPP 시스템은 1) 경쟁력 확보를 위해 기업/금융 기관들이 인터넷을 통한 고품질 서비스 개발에 주력하는 추세이고, 2) 고객과의 보다 긴밀한 관계 유지를 위한 수단 제공하며, 3) 인터넷 등 온라인 통신 인구가 급격한 증가(2701년에 전체 인구의 약 50%가 활용할 것으로 전망)하고 있으며,4) 소비자를게 보다 편리한 지불방법 제시해주며, 5) 또 다른 마케팅 매체로 활용 가능하므로 앞으로의 전망이 매우 밝다. EBPP시스템은 크게 금융기관, 기업, 소비자 부분으로 구성되며, 소비자와 접촉 방법으로는 대표적으로 Web과 전자우편을 생각할 수 있으며, EBPP 시스템을 구축하기 위해서는 기본적으로 상접 혹은 기업에서 청구에 필요한 정보를 등록시키는 통합 청구서버(Bill consolidation server), 소비자에게 청구 가능한 정보를 갖고있는 청구 제시서버 (Bill presentment server), 소비자의 지불요청에 따라 은행으로부터 지불을 요구하는 지불서버(Payment gateway) 등이 필요하며, 이들 각각의 서버들의 구성 요소들은 제공하는 서비스에 따라 달라질 수 있다. 통합 청구서버에서 청구 제시서버로 전송되는 청구 건은 통상적으로 실시간 처리되는 것이 아니라 통합 청구서버에 존재하는 Spool DB에 저장되어 그 양이 일정한도를 넘어서면 자동 전송되도록 하여, 망의 할용도를 높이는 역할을 수행한다. 청구 제시서버의 DB에 등록된 청구 건은 인터넷을 통해 소비자에게 청구되며, 소비자에게 전송 되는 청구서는 사용자DB를 참조하여 사용자가 미리 정의한 원하는 형태로 변환되어 전달되며, 필요시 암호화 과정을 거치는 것이 가능해야 한다. 전송된 청구서는 전자우편의 경우, 암호해독이 가능한 전용 브라우저를 통해 열람 되며, 이는 다시 전용 브라우저를 통해 지불인증이 승인되어 청구 제시서버에게 전송된다. EBPP 시스템의 제어 흐름은 크게 기업이 청구 정보를 소비자에게 제시하는 흐름과 소비자의 지불 승인으로 인해 기업이 은행에 지불을 요구하는 흐름으로 구분할 수 있다. 본 논문에서는 통합 청구서버 및 정구 제시서버의 역할 및 구성 요소들에 대해 서술하고, EBPP 시스템과 연동하여야 하는 메일 서버와의 상호 작용에 대해 서술할 것이다. 본 시스템을 아직 구현이 되지 않은 관계로 시스템의 성능 등의 수치적 결과를 제시할 수 없는 상태다.

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Virtual Credit Card Number Payment System with Stored Hash Value for Efficient Authentication (효율적인 인증을 위한 해시 저장방식의 가상카드번호 결제 시스템)

  • Park, Chan-Ho;Kim, Gun-Woo;Park, Chang-Seop
    • Journal of the Korea Institute of Information Security & Cryptology
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    • v.25 no.1
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    • pp.5-15
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    • 2015
  • Electronic transactions have been increasing with the development of the high-speed Internet and wireless communication. However, in recent years financial corporations and mobile carriers were attacked by hackers. And large numbers of privacy information have been leaked. In particular, in the case of credit card information can be misused in the online transaction, and the damage of this given to cardholder. To prevent these problems, it has been proposed to use a virtual card number instead of the actual card number. But it has security vulnerability and requires additional security infrastructure. In this paper, we analyzed the proposed virtual card number schemes. and we propose a new virtual credit card number scheme. In the newly proposed scheme, cardholder generates a key pair (public key/private key) and pre-register public key to the issuer. then, cardholder can pay no additional security infrastructure while still efficiently satisfy the security requirements.