• 한국컴퓨터정보학회:학술대회논문집
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• 한국컴퓨터정보학회 2015년도 제52차 하계학술대회논문집 23권2호
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• pp.283-284
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• 2015

본 논문에서는 기존 인증체계의 문제점을 살펴보고 이를 개선하기 위한 방안을 제안한다. 현재 국내에서 금융관련 서비스에서 공인인증서를 사용하는 서비스가 대부분이나 실용성 및 보안 문제로 인해 최근 정부에서는 공인인증서 사용 의무제도를 폐지하기에 이르렀지만 현재 공인인증서를 대체할만한 안전한 수단을 확보하지 못했고 기존의 OTP나 보안카드로 공인인증서의 공백을 메우기에는 역부족이다. 따라서 공인인증서를 대체할 수 있는 인증방안에 대해 제안하고 이를 통해 보다 안전한 인터넷 전자상거래를 유도하고자 한다.

• 한국산학기술학회논문지
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• 제16권9호
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• pp.6282-6289
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• 2015

최근 공인인증서 유출 사고가 급증하고 있으며 이로 인한 전자금융사기가 빈번하게 일어나고 있다. 공인인증서와 개인키는 파일 형태로 존재하여 접근이 용이하고 쉽게 복사가 가능하기 때문에 PC의 하드디스크나 이동식디스크 등에 저장해두는 경우 악성코드에 의한 파밍, 피싱, 스미싱 등의 해킹 공격에 의하여 유출될 위험이 높다. 따라서 안전한 저장매체인 보안토큰, 저장토큰 등을 권고하고 있지만 분실 위험, 비용 문제 등의 이유로 실제로 사용하는 사람은 소수에 불과하다. 본 논문에서는 이러한 문제를 해결하고 단점을 보완하기 위하여 인증서와 개인키를 인증기관에서 보관하도록 하고 사용자는 본인 소유의 단말에서 바이오인증절차를 거쳐 인증기관에게 기기 고유 식별자와 인증토큰을 전달함으로써 인터넷 뱅킹을 위한 본인확인 및 전자서명을 수행할 수 있는 시스템을 제안한다. 제안하는 시스템은 인증서 비밀번호 입력 없이 바이오인증만으로 인증기관을 통하여 전자서명을 수행할 수 있어 기존 시스템에 비하여 서비스 이용이 간편하며 키로깅, 저장매체 분실, 인증서 유출 등의 위협요소를 무력화시킴으로써 안전한 인터넷 뱅킹 환경을 제공한다.

• 무역상무연구
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• 제60권
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• pp.109-139
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• 2013

This paper is to review the Uniform Rules for Bank Payment Obligations(URBPO 750E) which were developed by the Banking Commission of the International Chamber of Commerce and to present the implications. The rules were unanimously adopted during Lisbon meeting of the ICC Banking Commission on April 17th, 2013 and taken effect as of July 1, 2013. A BPO is an irrevocable undertaking given by an Obligor bank to a Recipient bank to pay a specified amount under the condition of a successful electronic matching of data or acceptance of mismatches. It is an alternative instrument for trade settlement, designed to complement existing solution and not to replace them(ICC,750E). The BPO enables banks to provide sellers and buyers with advanced risk mitigations and enhanced financing services. The BPO will improve trade processing efficiency such as increased transaction times, reduced handling cost, and others. It is believed that the BPO will have an important role to play in supporting the development of Supply Chain Finance in international Trade. So, This study will review the provisions and application of the URBPO 750E based on documentary materials including swift com and icc.org and so on.

• 무역상무연구
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• 제60권
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• pp.141-175
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• 2013

The purpose of this study aims to the implications by the introduction of TSU/BPO system as a instrument of trade settlement. Jointly with financial messaging provider SWIFT, the ICC Banking Commission has developed the URBPO to take into account the legitimate expectations of all relevant sectors. Once the goods have been shipped, the seller's bank uploads the shipping and logistics data to the TSU to be checked against the baseline. URBPO is the first ever set of standards in supply chain finance that governs BPO transactions worldwide. BPO enables banks to reduce the risks associated with international trade to the benefit of both buyers and sellers. A BPO is an irrevocable undertaking given by an Obliger Bank to a Recipient Bank to pay a specified amount under the condition of a successful electronic matching of data or acceptance of mismatches. The BPO should be viewed as an exercise in collaboration between trading partners and their banks. Drawings upon global standards and incorporating the benefits offered by letters of credit, the new instrument has the potential to benefit all parties in a trade transaction-and bring trade settlement into the 21st century.

• The Journal of Asian Finance, Economics and Business
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• 제7권12호
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• pp.853-861
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• 2020

The study aims to measure the productivity of the Saudi banking sector at the retail level using secondary data for 11 local banks from the period 2015-2019. The study uses an extended version of the Cobb-Douglas production function to account for the fact that as banks openup more retail branches, they will need to employ more labor. The extended Cobb-Douglas production function was estimated using the two-way fixed effect model to account for unobserved heterogeneity across Saudi banks resulting from differences in labor competencies and leadership style. Besides, the model accounts for unobserved heterogeneity among Saudi banks due to the advancement in electronic services over time. The results showed that labor, branches, customers' deposits, and fixed deposits have a positive effect on the total value of generated loans. Conversely, ATM has an insignificant effect on generated loans. The average scale elasticity shows that the Saudi banks at the retail level are operating under decreasing returns to scale. The average marginal rate of technical substitution shows that Saudi banks need at least one ATM to replace one unit of labor at the retail level while keeping the same level of output.

• 무역상무연구
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• 제65권
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• pp.117-139
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• 2015

The BPO is an irrevocable undertaking given by an obligor bank to a recipient bank to pay a specified amount under the condition of a successful electronic matching of data or acceptance of mismatches. The BPO enables the participating banks to provide sellers and buyers with enhanced financing services. Therefore, BPO gives banks the tools to provide them with guarantees and other multi-banking services. All the participating banks must use the same Transaction Matching Application(TMA) for BPO business. In order to exchange BPO-related data, banks must be subscribed to the same TMA scheme. Participation in the TMA scheme is limited to banks only. The TMA is matching and workflow application as instrument to determine whether to pay the BPO or not. Therefore, TMA will have an important role to play in the business of the BPO. So, This paper is to review the mechanism of a TMA and the major business scenarios in Banking Payment Obligation Transactions. In Particular, it has been included the exchange and matching of data messages, the disposal of discrepancies, document payment and others based on URBPO. This study will be based on documentary research including swift com and icc.org and so on.

• 융합보안논문지
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• 제18권3호
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• pp.27-35
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• 2018

공인인증서는 개인을 증명하거나 통신간의 위변조 등을 방지하기 위하여 공인인증기관에서 발행하는 전자화된 정보로써 사이버 상의 인감도장이라 할 수 있다. 공인인증서는 암호화 된 파일의 형태로 PC 및 스마트폰에 저장되어 인터넷뱅킹 및 스마트뱅킹 서비스를 이용할 때 개인을 증명하기 위해 사용하기 때문에 외부로 유출될 경우 위험할 수 있다. 급증하는 안드로이드 기반 악성 어플리케이션 중 파일로 존재하는 공인인증서와 개인정보 등을 외부의 서버에 전송하는 악성 어플리케이션 또한 발견되고 있다. 본 논문은 공인인증서 탈취 악성코드를 사전에 판단하여 차단하기 위해 안드로이드 기반 동적 분석 도구인 DroidBox를 이용하여 공인인증서 외부 유출행위 여부를 판단하는 방안을 제안한다.

• 무역상무연구
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• 제21권
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• pp.73-97
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• 2003

In this paper, I examined the trends of standardization and electronization of trade documents and SWIFT network. Also, I reviewed on emerging electronic documentary credit for electronic payment and electronic presentation of documents. New international trade customs and practices are being established and changed as a result of the growth of the Internet and other on-line networks. At the same time there is increasing pressure to move from existing paper-based documentary credit to electronic documentary credit. Several projects devoted to development of an electronic letter of credit infrastructure have recently been proposed such as Bolero, SWIFTNet, UNeDocs and eUCP, etc. Yet, little can be done until the presentation process is electrified between traders and banks. Also, interbank communication of letters of credit has long been electronic, mainly through the SWIFT. However, it is not functioned between applicant and beneficiary, although the solution of SWIFTNet has recently been developed. The Banking Commission of International Chamber of Commerce established a working group consisting of experts in the related fields to prepare the appropriate rules as a Supplement to UCP 500 for Electronic Presentation: eUCP. The eUCP will provide the necessary rules for the presentation of the electronic equivalents of paper documents under letters of credit. Some problems of electronic presentation under the eUCP, exist such as format, presentation of electronic records and the way of beneficiary's notice for completeness under the Article e5 if more than one record is to be presented electronically by third parties. Therefore, it is encouraged to provide more detailed guide for eUCP Article e5.

• 한국인터넷방송통신학회논문지
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• 제16권6호
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• pp.255-264
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• 2016

정보통신기술의 급속한 발전으로 경제활동 분야에서 큰 변화를 가져오고 있으며 혁신적으로 변화하고 있는 것은 전자상거래라고 할 수 있다. 더불어 전자금융사기의 방법도 나날이 진화하면서 피해사례도 함께 늘어나고 있다. 이에 따라 전자금융 이상거래에 대한 분석 및 탐지가 되고 있으나 여전히 피해가 발생되고 있는 상황이다. 본 연구에서는 금융환경, 금융 IT 환경, 금융 IT보안 환경과 법제도적인 변화의 특성을 분석하고 현재 금융기관에서 운영되는 이상금융거래 탐지시스템의 한계점을 보완하기 위하여 효과적인 전자금융 이상거래 분석 및 탐지 관리 체계와 외부기관과의 정보공유 및 개인정보 수집 및 활용에 대한 고려사항을 제안하고자 한다.

• 농업과학연구
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• 제28권1호
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• pp.59-64
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• 2001

This study is on the method of direct transaction with farmers, a farmers' group and consumers through internet. Approximately the method in this study could be divided into 4 sections: 1) full information display about agricultural products of farmers, farmers' group, 2) consumers' choice about the best stuff, 3) direct transaction system by using tele-banking and 4) a delivery system in conveying method or an interview type electronic commerce system that carry out the direct visit These methods are to make the merits of the existing traditional type commerce system's to be maximized to make bull use of electronic commerce system.