• Journal of Information Technology Applications and Management
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• 제10권3호
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• pp.93-108
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• 2003

As Electronic Commerce is popularized, crimes related to Electronic Commerce are also increasing, Electronic shopping malls and payment gateways focus their attention on network security of payment information or the sizes of encryption keys, In real world, however, the payment-related crimes in electronic shopping malls are not based on the security hole of encryption mechanism of the payment systems, but on the customers carelessness or the insecurity of server systems of merchants or financial institutes. So, this research analyzes the structure of current electronic payment systems, investigates the payment-related crimes, addresses the structural problems of the Korean electronic payment systems, and suggests an alternative general architecture for secure payment systems by incorporating the concept of separation of order information and payment information.

• Asia pacific journal of information systems
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• 제8권3호
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• pp.147-163
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• 1998

Advances in information and telecommunications technology are producing unprecedented shifts in the way businesses conduct their business, Today, electronic commerce is becoming pervasive due to, in large part, the widespread use of Internet and Worldwide Web. One element that plays an important role in shaping the success of electronic commerce is the electronic payment system. Deficiency in its reliability and security may lead to unwanted outcomes, including economic losses and customer dissatisfaction. By far, numerous forms of electronic payment systems have been introduced in the virtual marketplace. However, there exists little research that has focused on the characteristics of the electronic payment systems such that they may be compared with one another. This article is aimed at providing a framework for comparative analysis of electronic payment systems, examining the characteristics of the individual payment systems, and suggesting a choice strategy which enables a firm to select an appropriate payment system suited to their business needs. The framework classifies electronic payment systems into four categories including electronic cash, electronic checks, credit cards, and smart cards, and it can be employed in planning for an electronic commerce system.

• Asia pacific journal of information systems
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• 제9권1호
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• pp.77-98
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• 1999

The purpose of this paper is to determine success factors important to electronic payment system and also to review its environments in order to present development direction of electronic commerce in Korea. A field survey including interviews and questionnaire surveys is made in 12 experts who were identified as having research experiences and/or development experiences of electronic payment systems, 35 merchants who are doing business over the Internet, and 96 netizens who were identified as a consumer group. In this study, we reviewed four dimensions affecting the acceptance of electronic payment systems such as safety, security, convenience, and efficiency. Finally, we suggested a total of 32 factors important to electronic payment systems and classified all factors into four dimensions.

• 한국산업정보학회논문지
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• 제4권1호
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• pp.97-101
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• 1999

전자상거래를 위한 전자지불시스템은 크게 전자화폐형, 전자수표형 그리고 신용카드형으로 분류할 수 있다. 각 방식에는 사용상의 특성으로 인하여 장단점이 있으나, 현재 현실세계에서와 같이 전자화폐지불시스템이 가장 활발하게 사용될 것이다. 그러나 전자화폐 지불시스템의 가장 큰 위험요소는 전자정보의 근본적 속성 즉 복사가 가능하다는 것이다. 이로 인하여 야기되는 화폐 검사에 대한 많은 비용이 발생한다. 본 연구에서는 기존의 전자화폐지불시스템에 따른 요구조건들을 알아보고, 스마트카드를 사용한 전자지불시스템에서 구현되어야 할 부가적 요구조건들을 제안한다.

• 한국전자거래학회지
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• 제4권2호
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• pp.81-94
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• 1999

This paper shows the architecture of IPS(Intermarket Payment System), an implementation of the electronic payment function for internet-shopping merchant system. Because the original purpose of commerce transaction is the exchange of money for goods or services, it is very important to prepare an exchangeable economic value or method. The electronic payment system is the hardware or software or both to process an electronic payment transaction. It has two type, the broker type and the electronic value type. The broker type means an intermediator between real bank network and internet commerce transaction. The electronic value type means a substitute for money in the real world. This paper shows the architecture and the function to implement the broker type electronic payment system. The system has two parts. One is the mediator part to support multiple payment systems and to offer common access methods for merchant system database. The other is the executor part to implement the payment protocol and to process payment transaction.

• 한국중재학회지:중재연구
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• 제9권1호
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• pp.323-365
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• 1999

The digital revolution is happening much more quickly and Internet Commerce and Electronic Commerce is having a profound influence on the global trade and internal commerce, revolutionize the way of doing business, especially retail and direct marketing. Owing to Internet, an increasing share of business transactions occurs online. Electronic payment is essential for the smooth progress of the electronic commerce as electronic payment plays the important role in the electronic commerce, that is, the value transfer resulting from the electronic commerce. So far, there have not been a considerable emphasis on the risks residing in the electronic payment and money. So, this paper deals with the risks in the electronic payment and money, in particular technical risks and social risks, and the reliability-increasing schemes to prevent the risks in the electronic payment. The reliability-increasing schemes relate to the security of the electronic payment systems and certification authority and key management, transaction rules between the parties concerned in the electronic payment.

• 정보학연구
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• 제1권1호
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• pp.103-117
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• 1998

최근 컴퓨터 등을 이용한 정보통신기술의 발달은 인터넷의 보급을 급속하게 확산시켰으며, 그 결과 전자상거래와 전자화폐를 등장시켰다. 이러한 전자상거래와 전자화폐의 도입이 미칠 파급효과는 상당하므로 전자화폐의 개념과 각국의 개발현황을 파악한 후 그에 따른 문제점과 대응방안을 제시하는 것이 시급할 것이다.

• 정보학연구
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• 제4권3호
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• pp.1-17
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• 2001

국제무역부문에서 사이버무역거래가 활발하게 이용되기 물품운송 및 무역대금결제에 이르기까지 전통적인 방식에 의한 무역보다 전자환경에 맞는 안정되고 예측가능한 시스템구축이 필요하다. WTO, OECD, UNCITRAL, APEC등과 같은 국제기구에서 전자상거래 활성화를 위한 방안이 모색되고 있고, 무역 관련 국제규범에 사이버 무역 활성화를 위한 규칙을 마련하고 있으나 전자계약, 운송서류의 전자문서화, 전자결제 등에 이용하기에는 많은 문제점을 가지고 있다. 따라서 본 논문에서는 이들 문제점들을 규명하고 전자계약의 성립과 유효성 및 권리 구제에 대한 전자적 합의의 표준화, 전자선하증권 등을 중심으로 하는 운송서류의 권리이전문제, 전자결제시스템의 개발을 통하여 사이버무역을 활성화시킬 수 있는 방안을 제시한다.

• 통상정보연구
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• 제5권1호
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• pp.203-222
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• 2003

Owing to the digital revolution, Internet Commerce and Electronic Commerce is having a profound influence on the global trade and internal commerce, revolutionizing the way of doing business and making payment. The entrance of the Internet has a prominent for spread of Electronic Commerce and those phenomenons will result in paperless trading and cashless trade By virtue of Internet, an increasing share of business transactions occurs online. Electronic payment is essential for the smooth progress of the electronic commerce as electronic payment plays the important role in the electronic commerce. Traditionally international settlement systems such as letters of credits, remittance and documentary collections operated as an important and popular method of payment. Now, information technology has made it possible to pay for the sale of goods and services over the internet. In international trade, there are service providers (Bolero, TradeCard, @Globaltrade) to settle payment electronically through the Internet.

• 경영과정보연구
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• 제14권
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• pp.151-180
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• 2004

Owing to the digital revolution, Internet Commerce and Electronic commerce, revolutionize the way of doing business and making payment. The entrance of the Internet has a prominent for spread of Electronic Commerce and those phenomenons will result in paperless trading and cashless trade. By virtue of Internet, an increasing share of business transactions occurs online. Electronic payment is essential for the smooth progress of the electronic commerce as electronic payment plays the important role in the electronic commerce, that is, the value transfer restyling from the electronic commerce. Traditionally international settlement systems such as letters of credits, remittance and documentary collections operated as important and poplar method of payment, Now, information technology has made it possible to pay for the sale of goods and services over the internet. In international trade, there are service providers (bolero, TradeCard, BeXcom) to settle payment electronically through the Internet. The purpose of this study is to Conduct comparative analysis with approach manner functional respect systematic respect, role. It is shown which the Electronic payment system is better. In this study, the author attempts to find the problems is (bolero, TradeCard, BeXcom) and solutions in switching from the documentary payment system to the electronic one. This conclusion of this study can be summarized as followings. In resoect of the law, bolero should seek to prevert the users from being treated unfairly due to multilateral agreement on Rulebook. TradeCard, BeXcom do not have the proper law that users are governed. so far as the practice problems concerned, stability of computer's operation and security of message interchange should be warranted and improved continuously. Through the standardization of the electronic document and the development of software, the examination of the shipping occuments must be done automatically. Bolero should induce more banks to take part in Bolero, and make the carrier the cost and time in managing the traditional document which will be used for the time being. In respect of information technology and security, to deduce the risk in the electronic settlement system and positively uses the global authentication guideline(Identrus).