• Proceedings of the Korea Institutes of Information Security and Cryptology Conference
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• 2003.12a
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• pp.97-100
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• 2003

전자 상거래의 발달로 인해 전자 화폐의 개발 및 연구는 현재 활발하게 진행되어지고 있다. 전자화폐는 고액과 소액의 금액 단위 및 보안 요구 사항으로 위조 방지, 익명성, 분할성, 이중사용 방지 등의 다양한 요구를 만족 시켜야 한다. 이에 본 논문에서는 해쉬체인을 이용한 소액의 은행 전용의 전자화폐에 관하여 연구하였다. 보안 요구 사항으로는 분할성, 위조 방지, 이중사용 방지를 제공해 주고 있다. 기존의 해쉬 체인의 경우 사용자가 발행하여 은행으로부터 정당성을 증명하는 경우가 대부분이나 본 논문에서는 은행이 사용자의 요청으로 인해 해쉬체인을 생성하여 제공한다. 이로 인해 인출 프로토콜의 통신횟수가 줄어들었다.

• Proceedings of the Korean Information Science Society Conference
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• 2002.10c
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• pp.568-570
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• 2002

무선 전자상거래(M-Commerce)는 이동 통신 네트워크 기술과 무선 단말기를 기반으로 하여 언제 어디서나 필요한 시점에서 행할 수 있는 상거래를 의미하며 이때, 전자지불 방식의 하나인 전자화폐는 실물화폐와 유사한 성질을 만족해야 한다. 본 논문에서는 이산대수문제에 기반한 메타-메시지 복원과 은닉 서명 기법을 이용하여 전자화폐가 이중사용, 돈 세탁 그리고 불법 무기 구매 둥 부정한 수단으로 악용되었을 때 신뢰센터가 사용자의 익명성을 제어하고 지불 금액을 다시 복원할 수 있는 알고리즘을 제안한다.

• The Journal of Information Technology
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• v.3 no.1
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• pp.73-88
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• 2000

Dramatic changes are beginning to occur in plastic card technologies today in the fields of banking, health care, id-cards and more. Advanced card technologies such as IC-card are playing an increasingly important role in new and innovation system. The merit of IC-card are more capacity, more secure, more reliable, quick and easy to update, secure offline processing, enabling technology etc than magnetic stripe card. And so many countries began using experiment of IC- card and our country began October 13 in Cheju island. Then there are three types using-experiment (K-cash, VISA-cash, MONDEX) in Korea. There are some problems such as standards, widely using, high cost, double investment etc. I think that important things in IC-card using is an international- standardizations and issuing corporation.

• THE INTERNATIONAL COMMERCE & LAW REVIEW
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• v.33
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• pp.247-275
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• 2007

This paper is to propose the Direction for the institutional improvement of Financial Supply Chain Management(FSCM) Solution which are currently coming into operation under Global e-Trading Platform. The Financial Supply Chain compromise the entire trade processes and information that manage a trader's cash, Accounts payable and receivable, Risk, working capital, and so on in international trade transaction. From a buyer's perspective, this involves the full procurement-to-payment process. For the seller, it is the order-to-cash cycle. Bolero provides the party concerned a e-trade platform which conformed to these fundamental pre-requisites to underpin fully electronic trade. But this FSCM solution have failed to provide the efficient platform to effectively manage the process of Global e-Trade because it does not correspond with e-Trade environment. Therefore, present FSCM system need the institutional improvement as follows: AA) Strengthening the role of the correspondent Bank under e-Trade System, BB) Extending the function of e-Trade intermediary institution, CC) The introduction of Trade Insurance System, etc. So, by streamlining and automating these processes on an open and flexible platform, The party concerned can optimize their trade transaction and maintain better relations with their business partners

• The Journal of Information Technology
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• v.2 no.2
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• pp.107-125
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• 1999

The growing popularity of Internet and the technology revolution of information communication has affected our financial system, and electronic banking has increased its scale and range since '90. Now this changes, deeply and fast, invade the our economical-social environments. Without having to go to a bank, customer and merchants will be able to perform freely complicated financial transactions by accessing online banking network and CD/ATM etc. Customer can use the various payment method - cash, credit card, smart cards, electronic money in real world and cyberspace, and manager the assets more efficiently. They increased their money liquidity yet. Banks need to expand the various baskets of transaction services and methods to satisfy their customer needs and create new participator, Government had to evaluate and forecast the trend of electronic banking, and establish a new rules and standards in the new electronic payment system.

• Journal of Distribution Science
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• v.22 no.7
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• pp.43-51
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• 2024

Purpose: The primary purpose of this study is to examine the influence of the Technology Acceptance Model (TAM) on the use of mobile money in Indonesia. The acceptance of technology has brought changes to society where the application of technology is aimed at identifying the best solution among the various existing alternatives. There are two types of electronic money: chip-based and server-based electronic money. Server-based electronic money is found on mobile phones. The Indonesian government has encouraged the use of electronic money and launched Less Cash Society to create a secure, efficient, and smooth payment system. Research design, data, and methodology: This study collected quantitative data from users of server-based electronic money through surveys conducted based on the sample size. The data were processed using SEM LISREL 8.70. Results: the results show that each of the TAM's fundamental elements has a significant impact. Perceived ease of use and perceived usefulness are able to encourage attitude toward using and behavioral intention to use towards actual use. Conclusions: The distribution of mobile money has a positive impact on society. Hence, mobile money providers must simplify access-recommendations made to strengthen the acceptance of mobile money via Perceived Ease of Use and Perceived Usefulness.

• Proceedings of the KIEE Conference
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• 2001.11c
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• pp.450-452
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• 2001

In this paper, we proposed the automatic postal drop-off system based on the microprocessor board or PC. The weight of the small postal package is transmitted from the electronic scale and user-entered addresses and delivery rate are processed by the controller to calculate the fee. For 24 hour out-door operation and maintenance, non-cash payment methods such as credit card payment is used. The post stamp and receipt are printed by the thermal printer. For the electronic processing of the parcel, serial code is also printed on the stamp and receipts in bar code format. The parcel information obtained by the automatic postal drop-off system is transferred to remote central system by dial-up modem shared by the on site office. The proposed system and its control software are built for prototype model operation and the result met the design requirements. For real time processing, data reception through three serial ports is handled by interrupt routine. The proposed system is expected to be applied for commercial logistics system and pc automation system.

• Korean Journal of Human Ecology
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• v.8 no.3
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• pp.511-524
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• 1999

This research examines 13 Korean Web sites and 15 foreign Web Sites to explore how companies present apparel products by both layout of graphics and information at the Web sites. The results show that most Web sites display tiny icons next to the item's text description. Clicking on these icons takes the customers to another web page, where the full size photograph of the item appears. The results also revealed that most web sites offer shopping bag function and payment options such as on-line and credit cards. The results indicate that Web sites are constantly evolving and following functions such as virtual dressing room, FAQ, the links, E-Cash payment, currency converter and multilingual sites are becoming standards in the near future.

• Proceedings of the Korean Information Science Society Conference
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• 2000.10b
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• pp.245-247
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• 2000

산업 혁명에 뒤이은 디지털 혁명 시대에 가장 큰 변화는 경제 활동의 변화를 들 수 있을 것이다. 기존에 존재하던 많은 실물 시장(Real Market)은 가상 공간(Cyber Space)상으로 이전하게 되고 이 속에서 디지털 데이터를 근간으로 각종 구입, 판매 그리고 대금 지불이 이루어지고 있다. 이러한 환경에서 가장 중요한 것은 지불 방법에 관한 문제로 기존의 지불 방법으로는 한계가 발생하게 된다. 인터넷 환경에 적합한 새로운 지불 방법이 요구되고 있으며 그 해결책으로서 전자화폐(Electronic Cash)가 등장하게 되었다. 전자화폐는 기존의 화폐를 대신하여 인터넷상의 전자상거래(Electronic Commerce)에서 사용되고 있으며, 실물 화폐와 더불어 중요한 지불 수단으로 등장하고 있다. 본 연구에서는 기존의 전자지불 수단을 비교, 분석하여 새로운 지불시스템인 혼합형 전자지불 시스템을 제시하고 구체적 활용에 대해 살펴보고자 한다.

• The Journal of Information Technology
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• v.4 no.3
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• pp.1-17
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• 2001

This study is to examine some legal problems of cyber trade transactions and to suggest some policy implications to vitalize cyber trade by internet accomplishes electronic business from all process integration of production, marketing and customer service. However, there are some legal problems for the electronic commerce to be used in international trade activities such as trade contract transport documents and payment systems by internet. First international trade rules have to be legislated so that electronic documents has same legal function like traditional documents. Also electronic signature must has authenticity, integrity, non-repudiation, writing and confidentiality. Second, traditionally international payment systems such as letters of credits, remittance, documentary collections and open account have been operated as an important and popular method of payment. In the modern world of electronic commerce, information technology has made it possible to pay for the sale of goods and services over the internet. The payment methods such as Credit Card, Debit Card, Electronic Cash, Electronic Fund Transfers enable partly sellers, buyers and service providers to settle payment electronically through the internet. To settle the problems of payment systems, the security requirements for safe electronic Payments such as authenticity, integrity, non-repudiation have to be guaranteed. Also, electronic data interchange in transport documents has to be adopted and negotiability of electronic bills of lading has to be guaranteed. Electronic payment systems through SWIFT enable the sellers and the buyers to conduct and settle international business-to-business electronic commerce in case of solving the above problems and harmonizing the Bolero project.