• Journal of the Korea Society of Computer and Information
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• v.26 no.1
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• pp.259-264
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• 2021

SNS has recently reached the level of providing financial services to customers through a mobile payment system that goes beyond the existing payment system using Fintech, which is a fusion of financial industry and information technology. These mobile payment systems are increasing in scale as time goes by, and their functions are reaching the same level as general financial services. This study is an empirical study to examine what is the most important factor in Internet banking by targeting users who use WeChat Pay among Chinese Internet bank users with the highest Fintech Adoption rate. SNS has recently reached the level of providing financial services to customers through a mobile payment system that goes beyond the existing payment system using Fintech, which is a fusion of financial industry and information technology. As a results, 2 factors positive influence on Acceptance intention and Customer satisfaction. These mobile payment systems are increasing in scale as time goes by, and their functions are reaching the same level as general financial services.

• Journal of Convergence for Information Technology
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• v.11 no.9
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• pp.124-129
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• 2021

A time-interpolation technique has been applied to the conventional FLASH analog-to-digital converter (ADC) to increase a number of quantization level, thus it reduces not only a power dissipation, but also minimize an active chip area. In this work, we demonstrated 5-bit ADC which has 31 quantization levels consisting of 16 conventional voltage-mode comparators and 15 time-mode comparators. As a result, we have achieved about 48.4% voltage-mode comparator reductions. The ADC is fabricated in a 14nm fin Field-effect transistor (FinFET) process with an active die area of 0.0024 mm2 while consuming 0.82 mW through a 0.8 V supply. At 400-MS/s conversion rate, the ADC performs 28.03 dB SNDR (4.36 ENOB) at 21MHz input frequency.

• Korean Journal of Materials Research
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• v.14 no.12
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• pp.870-875
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• 2004

Heat flow characteristics in the newly developed Wave Heat Sink were analyzed under natural and forced convections by Icepak program using the finite volume method. Temperature distribution and thermal resistance of Wave Heat Sink with/without air vent hole on the top of fin were compared with those of a commercial Al extruded heat sink(Intel Heat Sink). Under the natural convection, the maximum temperature was $45.1^{\circ}C$ in the air vent hole typed Wave Heat Sink, which was superior to that of Intel Heat Sink. The thermal resistance was $2.51^{\circ}C/W$ in the air vent hole typed Wave Heat Sink, and it changed to $2.65^{\circ}C/W\;and\;2.16^{\circ}C/W$ with changes of gravity direction and fin height, respectively. Under the forced convection, the maximum temperature became lower than that under the natural convection. In addition, the thermal resistance lowered in the air vent hole typed Wave Heat Sink with higher fin height and it decreased with increasing the air flux.

• Advanced Industrial SCIence
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• v.1 no.1
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• pp.7-15
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• 2022

To adopt the development in the medical scenario IoT developed towards the advancement with the processing of a large amount of medical data defined as an Internet of Medical Things (IoMT). The vast range of collected medical data is stored in the cloud in the structured manner to process the collected healthcare data. However, it is difficult to handle the huge volume of the healthcare data so it is necessary to develop an appropriate scheme for the healthcare structured data. In this paper, a machine learning mode for processing the structured heath care data collected from the IoMT is suggested. To process the vast range of healthcare data, this paper proposed an MTGPLSTM model for the processing of the medical data. The proposed model integrates the linear regression model for the processing of healthcare information. With the developed model outlier model is implemented based on the FinTech model for the evaluation and prediction of the COVID-19 healthcare dataset collected from the IoMT. The proposed MTGPLSTM model comprises of the regression model to predict and evaluate the planning scheme for the prevention of the infection spreading. The developed model performance is evaluated based on the consideration of the different classifiers such as LR, SVR, RFR, LSTM and the proposed MTGPLSTM model and the different size of data as 1GB, 2GB and 3GB is mainly concerned. The comparative analysis expressed that the proposed MTGPLSTM model achieves ~4% reduced MAPE and RMSE value for the worldwide data; in case of china minimal MAPE value of 0.97 is achieved which is ~ 6% minimal than the existing classifier leads.

• Convergence Security Journal
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• v.15 no.2
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• pp.25-31
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• 2015

While information and communication develop, the Electronic commerce payment system is progressing. Recently, a government established the electronic commerce activation policy which simplified a payment Through this policy, the information which the financial company monopolizes can be fused with the other industry and create the popularization use of the electronic payment service and value added services. But on the other hand, the concern for the security is very high, Accordingly, the finnancial institute take a restriction of the requirements for the participation company according to the financial scale, this policy is led by the private institue, rather making a participation of fin tech venture difficulty. This paper tries to deal with the technical and legal problems for the activation of electronic payment system and fin tech. So I will examine the security matter that follows in grifting the innovation technology onto the existing payment service and propose a desirable way to improve the current legislation.

• The Journal of Small Business Innovation
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• v.20 no.3
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• pp.49-68
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• 2017

Platform finance is emerging as an alternative finance for SMEs by suggesting a new funding source based on a new technology named FinTech. The essence of this business is the adapting ICT challenges to the financial industry that can adequately reflect risk assessment using Big Data and effectively meet individual risk-return preference. Thus, this is evolving as an alternative to existing finance in the form of P2P loans for Micro Enterprises and supply-chain finance for SMEs that need more working capital. Platform finance in Korea, however, is still at an infant stage and requires policy support. This can be summarized as follows: "Participation of institutional investors and the public sector," meaning that public investors provide seed money for the private investors to crowd in for platform finance. "Negative system in financial regulations," with current regulations to be deferred for new projects, such as Sandbox in the UK. In addition, "Environment for generous use of data," allowing discretionary data sharing for new products," and "Spreading alternative investments," fostering platform finance products as alternative investments in the low interest-rate era.

• Convergence Security Journal
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• v.16 no.5
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• pp.57-63
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• 2016

In recent years, there is growing interest in 'Fin-tech' in the domestic and international financial sector. And a variety of services in such a situation has emerged. To ensure the safety of from hacking attacks, many new technologies have been developed. These leading technology is the Bio-authentication method that you consider applying to the financial sector. Bio authentication is using biometric information. Also it is known that can cope the threat of fabrication and modifying attacks with shared and stored. However, Recently, When you look at hacking incidents of biometric data(560 million cases) in the United States Office of Personnel Management and advent of the fingerprints counterfeit technology, We can be known that should be reconsidered about the safety of bio-certification. Especially, it should be provided with a response measures for the problem of embezzlement that biometric information already been leaked. Thereby In this paper, by investigating biometric technologies and practices applied and of the vulnerability factor in many industries, it expected to be utilized in the prepared threats countermeasures in accordance with the application of the biometric authentication technology in a future.

• The Journal of the Convergence on Culture Technology
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• v.3 no.2
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• pp.37-42
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• 2017

An internet primary bank, which is formed by internet and banks combined, is called the essence of fin-tech, and is currently experiencing rapid growth. 'K-Bank' and 'Kakao Bank', the representative internet primary banks this year, received positive responses as the origin of financial revolution. internet primary banks provide convenient financial services, benefits in time and money for customers. Not long ago, however, undesirable fraud cases caused by a used commodity dealer have happened. The damage exceeds 20,000,000 won. It is because the newborn banks are unable to check the fraud history through the bank account. In this paper, We will analyze the trend in internet primary banks, offer damages and examples, in addition, prevention of damage, and strategies for development.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.27 no.2
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• pp.305-314
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• 2017

Recently, user authentication through biometric traits such as fingerprint and iris raise more and more attention especially in mobile commerce and fin-tech fields. In particular, commercialized authentication methods using fingerprint recognition are widely utilized mainly because customers are more adopted and used to fingerprint recognition applications. In the meantime, the security issues caused by fingerprint falsification bring lots of attention. In this paper, we propose a new method to improve the performance of fake fingerprint detection using CNN(Convolutional Neural Network). It is common practice to increase the amount of learning data by using affine transformation or horizontal reflection to improve the detection rate in CNN characteristics that are influenced by learning data. However, in this paper we propose an effective data augmentation method based on the database difficulty level. The experimental results confirm the validity of proposed method.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.26 no.6
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• pp.1539-1550
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• 2016

In modern society, the number of applications, which needs storage, is increased. Among them, the advance of FinTech increased the importance of storage encryption. FinTech storage, storing sensitive information, should be kept secure. Unless the storage is kept, many users will be damaged monetarily. To prevent this problem, we should encrypt the storage. A EncFS, which is one of the most popular storage encryption application, uses different IVs for each block to provide higher levels of security in the encryption algorithm. However, there is a vulnerability related to the usage of same IVs. In this paper, we propose a technique that decrypts the ciphertexts without knowing the secret key by using the vulnerability. Moreover, we show that the EncFS is not secure under IND-CPA model and propose a new scheme which is secure under IND-CPA model.