• Title/Summary/Keyword: Electronic payment

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Prospects For The Development Of Distance Educational Learning Technologies During The Training Of Students Of Higher Education

  • Rohach, Oksana;Pryhalinska, Tetiana;Kvasnytsya, Iryna;Pohorielov, Mykhailo;Rudnichenko, Mykola;Lastochkina, Olena
    • International Journal of Computer Science & Network Security
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    • v.22 no.9
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    • pp.353-357
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    • 2022
  • This article identifies the problems and substantiates the directions for the development of distance learning technologies in the training of personnel. An example of using digital media to create a remote access laboratory is given. The article is devoted to the definition of the main aspects of the organization of distance education. Rapid digitization, economic, political and social changes taking place in Ukraine necessitate the reform of the education system. First of all, it concerns meeting the educational needs of citizens throughout their lives, providing access to educational and professional training for all who have the necessary abilities and adequate training. The most effective solution to the above-mentioned problems is facilitated by distance learning. The article analyzes the essence and methods of distance learning organization, reveals the features of the use of electronic platforms for the organization of this form of education in different countries of the world. The positive characteristics of distance learning are identified, namely: extraterritoriality; savings on transport costs; the interest of modern youth in the use of information tools in everyday life; increase in the number of students; simplicity and accessibility of training; convenient consultation system; democratic relations between the student and the teacher; convenience for organizations in training their employees without interrupting their regular work; low level of payment for distance education compared to traditional education; individual learning pace; new teacher status. Among the negative features of online education, the author refers to the following problems: authentication of users during knowledge verification, calculation of the teacher's methodological load and copyright of educational materials; the high labor intensity of developing high-quality educational content and the high cost of distance learning equipment; the need to provide users with a personal computer and access to the Internet; the need to find and use effective motivation mechanisms for education seekers.

A Study on the Factors Affecting the Intention of Continuous Use of Intelligent Government Administrative Services (지능형 정부 행정서비스 지속사용의도에 영향을 미치는 요인에 대한 연구)

  • Lee, Se-Ho;Han, Seung-jo;Park, Kyung-Hye
    • Journal of Digital Convergence
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    • v.19 no.11
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    • pp.85-93
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    • 2021
  • The government is pursuing plans to create new e-government services. In terms of improving business procedures, dBrain (finance), e-people (personnel), and Onnara (electronic payment and business management) have achieved considerable results, and are currently making efforts to improve existing administrative services using newly emerged ICT. Among them, this paper attempted to study whether self-learning-based intelligent administrative services are efficient in the work process of public officials promoting actual work and affect their continued use. Based on individual perceptions and attitudes toward advanced ICTs such as AI, big data, and blockchain, public officials' influences on administrative services were identified and verified using UTAUT variables. They believe that the establishment and introduction of innovative administrative services can be used more efficiently, and they have high expectations for the use and provision of services as ICT develops. In the future, a model will be also applied to citizens

A Study on Suggestions for Activating Smart Contract - Focusing on Software Export Business (스마트계약의 활성화 방안에 관한 연구 - 소프트웨어 수출사업을 중심으로)

  • Whayoon Song
    • Korea Trade Review
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    • v.47 no.1
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    • pp.163-180
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    • 2022
  • The purpose of this study is to examine the extent to which smart contracts can be applied to the software export business and to find out the legislative issues to activate smart contracts. A smart contract is a computer program that automatically executes a contract when conditions are fulfilled. Smart contracts can play a pivotal role in the field that requires immediate execution of contract or in a highly standardized field with multiple parties involved. In the software export business, it is desirable to apply the smart contract partially rather than applying the smart contract to the entire process because various parties are involved and the process is very complicated. The business model of exporting packaged software, a completed software that is mainly licensed for use, rather than the business model of exporting customized software is suitable for using smart contracts because the project for implementing customized software is mainly focused in the development stage. When smart contracts are used in processes such as contract signing, payment, and project management, work efficiency can be increased. In addition, smart contracts can be used when conditions can be quantified, such as error penalties, in areas that previously required contracts with third parties such as banks, guarantors. In order for smart contracts to be actively used in practice, legal reviews on various issues are necessary including the legality of a smart contract and the validity as an electronic document of NFT (non-fungible token) certificate. Also, for the system stability preventing hacking, etc, the periodic verification or inspection by a third party is essential. To activate smart contracts in international transactions the international treaty regarding smart contracts is also necessary.

The Intention of Repurchase on e-Service Quality by Online Travel Agency Site (온라인 여행사 사이트 e-서비스품질이 지각된 가치, 만족도, 재구매의도에 미치는 영향)

  • Niu, Ling-Xiao;Lee, Jong-Ho
    • The Journal of Industrial Distribution & Business
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    • v.9 no.7
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    • pp.61-70
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    • 2018
  • Purpose - The purpose of this research is reflected on the rapid development of online tourism industries. The study was to establish the strategy for Korean tourism enterprises to develop tourist commodities suitable for Chinese tourists and attract them to visit Korea by the empirical analysis of the relation between repurchase intention of tourists and its premise variables (e-service quality, perceived value and satisfaction). Research design, data, and methodology - This research carried out a questionnaire survey on Chinese tourists who visited Korea with experience of using the online travel agency web sites. A total 398 answers were recovered, 41 of them were excluded due to the dishonest answers and 357 of them were finally analyzed. The data was analyzed with IBM SPSS AMOS 22.0. Results - The research results show that in the online travel agency web site e-service quality, convenience, interactivity, information validity, credibility had a positive impacts on perceived value and satisfaction. The perceived value of online travel agency website users has positive impart on satisfaction and repurchase intention. Satisfaction of online travel agency web site users have positive impacts on repurchase intention. But safety has no impact on perceived value while positive impacts on satisfaction was affected. Conclusions - First, in the online travel agency web site e-service quality, safety has no impact on perceived value while it was shown to have positive impacts on satisfaction because the users of online travel agency web sites believe that the protection of personal information, the defense of cracker and the safeguard of payment security are the basic premises of website operation. Although safety does not have impacts on perceived value, users benefits will suffer damage when hacker intrusion and other accidents occur so that online travel agency web sites should not ignore the security concerns. Second, credibility is a major concern for online travel agency web site users. At this time, it is necessary for the web site to establish a system to display both the commodity information and the using experience published on the user's SNS, thus improving the credibility of the website information.

A Study on the Passengers liability of the Carrier on the Montreal Convention (몬트리올협약상의 항공여객운송인의 책임(Air Carrier's Liability for Passenger on Montreal Convention 1999))

  • Kim, Jong-Bok
    • The Korean Journal of Air & Space Law and Policy
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    • v.23 no.2
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    • pp.31-66
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    • 2008
  • Until Montreal Convention was established in 1999, the Warsaw System is undoubtedly accepted private international air law treaty and has played major role on the carrier's liability in international aviation transport industry. But the whole Warsaw System, though it was revised many times to meet the rapid developments of the aviation transport industry, is so complicated, tangled and outdated. This thesis, therefore, aim to introduce the Montreal Convention by interpreting it as a new legal instrument on the air carrier's liability, specially on the passenger's, and analyzing all the issues relating to it. The Montreal Convention markedly changed the rules governing international carriage by air. The Montreal Convention has modernized and consolidated the old Warsaw System of international instruments of private international air law into one legal instrument. One of the most significant features of the Montreal Convention is that it sifted its priority to the protection of the interest of the consumers from the protection of the carrier which originally the Warsaw Convention intended to protect the fledgling international air transport business. Two major features of the Montreal Convention adopts are the Two-tier Liability System and the Fifth Jurisdiction. In case of death or bodily injury to passengers, the Montreal Convention introduces a two-tier liability system. The first tier includes strict liability up to 100,000SDR, irrespective of carriers' fault. The second tier is based on presumption of fault of carrier and has no limit of liability. Regarding Jurisdiction, the Montreal Convention expands upon the four jurisdiction in which the carrier could be sued by adding a fifth jurisdiction, i.e., a passenger can bring suit in a country in which he or she has their permanent and principal residence and in which the carrier provides a services for the carriage of passengers by either its own aircraft or through a commercial agreement. Other features are introducing the advance payment, electronic ticketing, compulsory insurance and regulation on the contracting and actual carrier etc. As we see some major features of the Montreal Convention, the Convention heralds the single biggest change in the international aviation liability and there can be no doubt it will prevail the international aviation transport world in the future. Our government signed this Convention on 20th Sep. 2007 and it came into effect on 29th Dec. 2007 domestically. Thus, it was recognized that domestic carriers can adequately and independently manage the change of risks of liability. I, therefore, would like to suggest our country's aviation industry including newly-born low cost carrier prepare some countermeasures domestically that are necessary to the enforcement of the Convention.

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A Study on the Effects and Value Analysis of the B2B e-Commerce Guarantee Service (B2B 전자상거래 보증 서비스의 효과 및 가치 분석)

  • Han, Chang-Hee;Kim, Min-Kwan;Lim, Chang-Kyu
    • The Journal of Society for e-Business Studies
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    • v.15 no.4
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    • pp.265-284
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    • 2010
  • B2B e-commerce guarantee service is a guarantee service combining the electronic systems among Korea Credit Guarantee Fund(KCGF), banks and e-marketplaces to process all procedures on internet ranging from application for credit guarantee, issue of written guarantee and contracting for a commerce to payment. B2B e-commerce guarantee service plays as an intermediary role in financial support for small and mediumsized enterprise(SME), which are small size, low credit level, and unfavorable status in many aspects compared to major companies. Despite the B2B e-commerce guarantee service has various advantages conducive to promotion of e-commerce among small and medium businesses as well as development of e-commerce itself, it has yet to be diffused due to lack of acknowledgement, misunderstanding of its functions and vague psychological fear of the on-line settlement. Thus, this study identifies the values and effects of the B2B e-commerce guarantee service using financial data and cases. The process of this study is 4 phase. first phase is analysis of B2B e-commerce guarantee service and e-Marketplace. second phase is analysis of performance from the Perspective of Diverse Participants. third phase is analysis of economic performance and support for SME. last phase is policy suggestions and conclusion.

Study on security method for scenario-based smartphone vulnerability (시나리오 기반의 스마트폰 취약점에 대한 보안방안 연구)

  • Lee, Jaeho;Son, Minwoo;Lee, Sang-Joon
    • Asia-pacific Journal of Multimedia Services Convergent with Art, Humanities, and Sociology
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    • v.8 no.6
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    • pp.835-844
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    • 2018
  • Recently, as the number of smartphone users has been increasing worldwide, various services such as electronic payment, internet use, and financial settlement are being used as a smartphone. In addition, researches for home appliance control and automobile control using smartphone are conducted. As such, smartphone users can enjoy a more convenient life, but by hacking smartphones, tapping texts and conversations on smartphones, tracking location through spy apps, DDoS attacks using smartphones, and malicious apps When a message is received at a specific telephone number when using a micropayment, the corresponding text message is transmitted to a remote server, thereby increasing the risk of leakage of personal information and the like. Therefore, in this paper, we define the risk factors of the smartphone that are caused by the internal and external environmental, physical, contents (apps) of the smartphone through the smartphone that we use in real life, We propose a method to check vulnerability of smartphone security solution such as CC evaluation and the most effective response technique for each risk of smartphone by defining the technique.

An Empirical Study on the Driving Force for Diffusion of Surrender B/L as an International Trade Payment Document (무역결제서류로서 Surrender B/L의 확산 동인에 관한 실증연구)

  • Hye-Young Joo;Byoung-Boo You
    • Korea Trade Review
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    • v.48 no.2
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    • pp.153-174
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    • 2023
  • Electronic bill of lading, Letter of Guarantee, Surrender B/L, Seaway Bill, etc. have been proposed as alternative tools to overcome the crisis of bill of lading, but the most useful of these is by far the Surrender B/L. However, since the Surrender B/L has various problems due to the absence of a legal basis, studies so far have been conducted focusing on these legal limitations or problems in use of the Surrender B/L. This study tried to empirically identify the factors that affect the spread of Surrender B/L by expanding this point of research view. A hierarchical regression analysis was conducted by acquiring 190 valid samples centered on member companies of the Korea International Freight Forwarders Association. In addition, the R program was used to diagnose the research data and analyze the degree of spread by region. As a result of the empirical analysis, it was found that the utilization of Surrender B/L increased due to the convenience and cost reduction effect of Surrender B/L and the apprenticeship training of forwarding companies. In addition, as a result of regional analysis, the spread of Surrender B/L was notable not only in neighboring regions but also even in areas far from Korea.

Fraud Detection System Model Using Generative Adversarial Networks and Deep Learning (생성적 적대 신경망과 딥러닝을 활용한 이상거래탐지 시스템 모형)

  • Ye Won Kim;Ye Lim Yu;Hong Yong Choi
    • Information Systems Review
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    • v.22 no.1
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    • pp.59-72
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    • 2020
  • Artificial Intelligence is establishing itself as a familiar tool from an intractable concept. In this trend, financial sector is also looking to improve the problem of existing system which includes Fraud Detection System (FDS). It is being difficult to detect sophisticated cyber financial fraud using original rule-based FDS. This is because diversification of payment environment and increasing number of electronic financial transactions has been emerged. In order to overcome present FDS, this paper suggests 3 types of artificial intelligence models, Generative Adversarial Network (GAN), Deep Neural Network (DNN), and Convolutional Neural Network (CNN). GAN proves how data imbalance problem can be developed while DNN and CNN show how abnormal financial trading patterns can be precisely detected. In conclusion, among the experiments on this paper, WGAN has the highest improvement effects on data imbalance problem. DNN model reflects more effects on fraud classification comparatively.

Enhancing Throughput and Reducing Network Load in Central Bank Digital Currency Systems using Reinforcement Learning (강화학습 기반의 CBDC 처리량 및 네트워크 부하 문제 해결 기술)

  • Yeon Joo Lee;Hobin Jang;Sujung Jo;GyeHyun Jang;Geontae Noh;Ik Rae Jeong
    • Journal of the Korea Institute of Information Security & Cryptology
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    • v.34 no.1
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    • pp.129-141
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    • 2024
  • Amidst the acceleration of digital transformation across various sectors, the financial market is increasingly focusing on the development of digital and electronic payment methods, including currency. Among these, Central Bank Digital Currencies (CBDC) are emerging as future digital currencies that could replace physical cash. They are stable, not subject to value fluctuation, and can be exchanged one-to-one with existing physical currencies. Recently, both domestic and international efforts are underway in researching and developing CBDCs. However, current CBDC systems face scalability issues such as delays in processing large transactions, response times, and network congestion. To build a universal CBDC system, it is crucial to resolve these scalability issues, including the low throughput and network overload problems inherent in existing blockchain technologies. Therefore, this study proposes a solution based on reinforcement learning for handling large-scale data in a CBDC environment, aiming to improve throughput and reduce network congestion. The proposed technology can increase throughput by more than 64 times and reduce network congestion by over 20% compared to existing systems.