• 한국디지털정책학회:학술대회논문집
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• 2004.05a
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• pp.617-626
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• 2004

본 연구는 정보통신기술 (ICT)의 발달과 컴퓨터의 대중화 인터넷 보급의 확산 및 상거래의 온라인화 등으로 전자상거래가 확산되고 이와 더불어 급격한 규모로 성장되고 있는 전자지불 시스템을 분석하고자 한다. 과거 전자지불시스템 자체에 대한 기술적인 연구나 전자화폐 등 세부매체에 대한 연구는 상당히 많이 진행되어 왔으나 본 연구에서는 특히 소액 전자지불시스템을 세분하여 비교연구하기 위한 체계를 제시한다. 전자지불시스템을 자체의 특성에 따라 분류한 기존의 연구에 근거하여 사용자들이 각각의 지불매체에 대해 얼마나 다르게 인식하여 어떠한 태도를 가지고 있는지에 대한 연구체계를 제시한다. 특히 최근 이슈가 되고 있는 모바일 지불시스템 등 소액 중심의 결제시스템을 사용자가 선택하는 이유와 방식에 대해 결제매체의 특성을 중심으로 기존의 결제시스템과 비교하여 분석하기 위한 연구모형을 제시하였다. 본 연구에서 제시된 연구모델을 통해 향후 지불서비스 이용자들이 결제시스템을 이용하는 이유에 대해 이론적으로 체계적인 분석을 함으로써 은행 및 결제대행사 등 기존의 지불서비스 제공기관외에 이동통신사나 컨텐츠 제공업체, 포털서비스 업체 등 관련 기업과 전자지불관련 정책을 수립 집행하는 정부기관에 참고할 수 있는 연구 분석 결과 도출될 수 있을 것으로 예상한다.

• Proceedings of the Korean Society of Computer Information Conference
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• 2017.07a
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• pp.174-175
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• 2017

본 논문에서는 기존 결제서비스에서 모바일 결제서비스로의 전환의도에 영향을 미치는 요인을 살펴보고자 한다. 2요인 이론(Two-factor theory)을 기반으로 전환을 가능하게 하는 요인과 전환을 억제하는 요인으로 구분하였으며, 기대된 전환혜택과 기대된 전환비용에 어떠한 영향을 미치는지 파악하고자 한다. 또한 전환혜택과 전환비용을 매개로 전환의도에 미치는 영향까지 확인하고자 한다. 스마트폰과 신용카드 또는 체크카드 사용자를 대상으로 조사를 실시하였고, 연구가설에 대한 유의성을 검증하기 위해서 구조방정식 모형을 사용하여 Smart PLS 3.0으로 분석하였다. 연구결과, 세 개의 가설이 기각되었으며, 총 4개의 가설이 채택되었다. 본 연구는 모바일 결제서비스에 대한 수용의도를 연구한 기존연구들과는 다르게 기존 서비스에서 새로운 정보기술이나 서비스로의 전환의도에 관해 연구하였다는 점에서 의의가 있다.

• The Journal of Korean Institute of Communications and Information Sciences
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• v.29 no.2C
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• pp.348-353
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• 2004

Development of an efficient and secure payment system is prerequisite for the construction of electronic payment mechanism in mobile environment. Since current PayWord protocol system generates vendor's certificate for each transaction, it requires lot of operation for transaction. In this paper, we use a session key generated by ID-based tripartite Key agreement protocol which use an Elliptic Curve Cryptosystem over finite field $F_{q}$ for transactions. Therefore, our protocol reduces algorithm operations. In particular, proposed protocol using ID-based public key cryptosystem has the advantages over the existing systems in speed and it is more secure in Man-in-the-middle attacks and Forward secrecy.

• International Journal of Computer Science & Network Security
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• v.23 no.8
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• pp.137-145
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• 2023

E-Commerce is a buzzword well known for electronic commerce activities including but not limited to the online shopping, digital payment transactions, and B2B online trading. In today's digital age, e-commerce has been playing a very important and vital role in areas such as retail shopping, sales automation, supply chain management, marketing and advertisement, and payment services. With a huge amount of data been collected from various e-commerce services available, there are multiple opportunities to use that data to analyze graphs and trends. Strategize profitable activities, and forecast future trade. This paper explains a contemporary approach for collecting key data metrics and implementing cost-effective automation that will support in improving conversion rates and sales performance of the e-commerce websites resulting in increased profitability.

• Korea Trade Review
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• v.42 no.2
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• pp.345-367
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• 2017

A bank payment obligation(BPO) has been introduced as a new alternative instrument for trade payments based on a technology and data-driven mechanisms aimed at facilitating an electronic trading in international trade transactions. The BPO is governed by URBPO which was in effect as of July 1, 2013. The URBPO only applies to inter-bank relationships because the BPO is bank-to-bank payment obligation, not a bank-to-customer obligation. The URBPO does not cover the interaction between a bank and their customer. For this reason, the standard bank-customer guidelines on BPO agreements were required to prepare the agreements between the banks and their customers. Accordingly, the International Chamber of Commerce established "ICC Guidelines for the creation of BPO Customer Agreements" for the settlement and development of the BPO by supporting banks in creating contracts or agreements with their customers. So, This study is to review its establishment purpose and to present the implications by analyzing the ICC guidelines. This study was based on documentary research focusing mainly on the ICC Guidelines and the appendix.

• The Transactions of the Korea Information Processing Society
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• v.5 no.11
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• pp.2921-2929
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• 1998

We propose an efficient off-line electronic cash system based on the certificate issued by Certificate Authority. It satisfies all the basic requirements for electronic payment system such as cash unforgeability, cash anonymity, double spending detection, no framing, etc. Our proposed system is very computationally efficient in the sense that: (1) the number of exponentiation operation imposed on the user during withdrawal phase is much smaller than any existing off-line electronic cash schemes, (2) all the computation of user's during withdrawal phase can be performed by off-line pre-processing. So the proposed system is suitable to be implemented by smart cards in both memory and computation.

• Proceedings of the Korea Information Processing Society Conference
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• 2018.05a
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• pp.28-31
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• 2018

이 연구에서는 효율적인 입, 출금 관리를 위해 기존 어플리케이션들의 불편함을 개선한 '입, 출금 관리시스템을 설계 및 구현하였다. 기존 출납관리 어플리케이션은 모든 내역을 사용자가 직접 입력하고 관리하는 방식으로 구현되어 있어서, 다수의 수입, 지출, 이체내역을 직접 입력해야하기 때문에 불편함과 오류들이 발생한다. 또한 남아있는 돈이 어느 계좌에 얼마나 남았는지 알 수 없는 문제점과 동일 은행에 2개 이상의 카드가 있는 경우 인식이 불가능하다는 문제점 역시 발생한다. 이런 문제점들을 개선하기 위해 계좌마다 보유액을 표시하도록 하고, 은행과 카드정보를 연결시켰다. 추가적으로 영수증의 텍스트를 인식해 내역을 저장함으로써 효율적으로 입, 출금 내역을 관리할 수 있도록 하였다. 본 어플리케이션의 기능은 크게 영수증 글자입력을 통한 내역추가, 사용자의 자산내역관리, 계좌 & 체크카드 연동, 더치페이 시스템 등이 있다. 영수증을 카메라로 찍어 필요 정보를 구별해 인식하고 지출 내역을 추가한다. 지출 내역을 추가할 때 필요에 따라 다른 사람들과 내역을 공유할 수 있다. 이 시스템을 통해 사용자는 더욱 쉽고 간편하게 입, 출금내역을 관리할 수 있을 것으로 보인다.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.25 no.6
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• pp.1525-1540
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• 2015

Due to a rapid advancement in the electronic commerce technology, the payment method varies from cash to electronic settlement such as credit card, mobile payment and mobile application card. Therefore, financial fraud is increasing notably for a purpose of personal gain. In response, financial companies are building the FDS (Fraud Detection System) to protect consumers from fraudulent transactions. The one of the goals of FDS is identifying the fraudulent transaction with high accuracy by analyzing transaction data and personal information in real-time. Data mining techniques are providing great aid in financial accounting fraud detection, so it have been applied most extensively to provide primary solutions to the problems. In this paper, we try to provide an overview of the research on data mining based fraud detection. Also, we classify researches under few criteria such as data set, data mining algorithm and viewpoint of research.

• The Journal of Society for e-Business Studies
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• v.11 no.4
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• pp.87-106
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• 2006

Today as the scale of e-commerce constantly expands, the number and the amount of the consumer frauds are also increasing very rapidly, without sufficient levels of systematic support to prevent them. Internet Escrow service is one of the promising payment mechanisms, which guarantees secure electronic trades and payments. Especially, if the real-time product delivery information is available via RFID-based track-and-trace environment, the security and efficiency of the Internet Escrow services would be improved a lot. In this research, proposed a novel approach to integrate EPCglobal Network, which is a de-facto standard for RFID-based information network model, with Internet Escrow services. The proposed service model was implemented in the form of "Integrated Financial Platform", which supports the contracts among trading partners and the payment via Escrow services by being fully integrated with bank systems. Using the implemented EPCglobal Network-based Escrow service system, we would be able not only to shorten the money-flow cycle and to develop new kinds of loan services, but also to overcome the problems of existing Escrow services including the lack of product-related information and the delay of purchasing decisions.

• Journal of KIISE:Information Networking
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• v.30 no.3
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• pp.355-370
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• 2003

In offline check systems, a client does not have to pay the exact amount. Instead, a client refunds the difference between the check value and the paid amount. In most offline systems, clients can not spend the remainder. But if the refund can be made spendable, it would provide a more convenient payment method. In this paper, we present a new offline system, which allows refunds to be reused as payments. In our system, the shop issues a new check using its private key for the difference. This new check, called the refund check, can be spent in the same way as checks issued by the bank. If the refund check is deposited to, or refunded at the bank, the bank charges the issuer of the check for the amount. The form of a check in this system is much simpler than previous check systems. It also uses a more flexible and efficient denomination method. The refund check is unlinkable to the check used in the payment where the refund check was issued. This system provides coin and owner tracing mechanisms to reinforce controls on illegal use of anonymous checks and was designed with consideration to the atomicity of transactions.