• The Journal of the Institute of Internet, Broadcasting and Communication
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• v.21 no.6
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• pp.43-48
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• 2021

We propose 2-channel filter bank method instead of FFT method to decrease sub-channel interference for using of efficient frequency resource in MC-CDMA method. Since a prototype filter of filter bank having wavelet characteristic is designed having more less side-lobe, the nearest co-channel interference and inter symbol interference are decreased efficiently. Since the spreading signal of suggesting MC-CDMA system is being demanded for less chip rate and is not being considering for autocorrelation characteristic, the Walsh code can be used as a optimal orthogonal signal set. We consider bit error rate and signal to noise ratio to estimate the performance of suggested system on condition that white noise channel and arbitrary sinusoidal jammer are existing. As a result of comparing to traditional FFT-based MC-CDMA simulation result, our suggested system has shown better performance than traditional MC-CDMA method on the side of minimizing interference effect.

• The Journal of the Institute of Internet, Broadcasting and Communication
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• v.23 no.3
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• pp.167-173
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• 2023

The cash flow matching problem(CFMP) aims to minimize the initial investment by paying the total amount due for the T-year in principal and interest of bonds or bank deposits without paying the full amount in cash. Linear programming(LP) is the only known way to solve CFMP. The linear programming method is a problem that optimizes T linear functions, and it cannot be solved by handwriting, so LINGO, which is a solution to the linear programming method, is used. This paper proposes an algorithm that obtains the solution of CFMP solely by handwriting without the help of LINGO. The proposed algorithm determines the amount of bond purchases by covering payments until the previous year of the next maturity bond in the order that the maturity date falls from the longest to the short term. In addition, until the year before the maturity of the shortest maturity bond, the amount of deposit covered by the principal and interest of the bank deposit was determined. As a result of applying the proposed algorithm to two experimental data, it was shown that more accurate results can be obtained compared to the linear programming method.

• Journal of Digital Convergence
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• v.17 no.7
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• pp.49-58
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• 2019

Major objective of the study are to analyze the trends of domestic research on pure play internet banks and to propose the future research directions of the ares. To achieve the objectives, this study first summarize the basic concepts and current status of pure play internet banks, establish analysis criteria, and analyze 56 papers based on the criteria. Major research results and future research directions are summarized as follows: non-empirical research should utilize mathematical/conceptual model rather than opinion/guidance, and empirical research should employ secondary data analysis method; in case of the individual level analysis, research on the bank personnel, and on use/outcome of customers should be performed; more organizational level studies should be performed; and in case of societal level research, impact of the pure play internet banks should be analyzed in depth.

• Journal of Internet Computing and Services
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• v.9 no.3
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• pp.103-117
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• 2008

General customer uses internet, SMS(Short Message Service), ATM(Automated Teller Machine), DM(Direct Mail), and telephony services, etc, for service of big businesses and small and medium enterprises, securities, financial institutions, bank. In particular, the case of Fire insurance & Securities, financial institutions, banks must meet Real-Time constrain control through QoS(Quality of Service) ensure. In this paper, we design and implement a system model about Fault-Tolerance IVR(Interactive Voice Response) of Multi Channel Service based on CRM(Customer Relationship Management) environment for the first inbound position of customer. The proposed model can be widely used in Large-scale Customer Response service.

• Journal of Korea Multimedia Society
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• v.8 no.6
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• pp.807-813
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• 2005

The production and authoring of digital multimedia contents are most important fields in multimedia technology. Nowadays web-based technology and related multimedia software technology are growing in the IT industry and these technologies are evolving most rapidly in our life. The technology of digital audio and video processing is utilizing rapidly to improve quality of our life, Also we are more interested in high sense and artistic feeling in the music and entertainment areas by use of three dimensional (3D) digital sound technology continuously as well as 3D digital video technology. The service field of digital audio contents is increasing rapidly through the Internet. And the society of Internet users wants the audio contents service with better quality. Recently Internet users are not satisfying the sound quality with 2 channels stereo but seeking the high quality of sound with 5,] channels such as 3D audio of the movie films. But it might be needed proper hardware equipments for the service of 3D sound to satisfy this demand. In this paper, we expand the simple 3D audio generator developed and propose a web-based music bank by the software development of 3D audio generation player in 3D sound environment with two speakers minimizing hardware equipments, Also we believe that this study would contribute greatly to digital 3D sound service of high quality for music and entertainment mania.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 1999.05a
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• pp.131-137
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• 1999

In order to operate Internet Banking, there is a important thing to precede, That is to carry out a scheme of one-stop to let clients transact anything they want to buy and establish the preservation of public security system between existing banking networks. (of course, that should be designed handily to the clients). In this paper, the protocol which is determined between banking network and Internet to maintain the preservation of public security. In other words, each XPM(X.25 Packet Manager) is a program to manage both system security and service at each other side; manage all packets which are connected by X.25 protocol. If other condition like law and institution is improved, it will be adopted to real operation with various service. Further more, we tan construct Electronic Commerce and adopt various digital money like electronic coin or check.

• Journal of Distribution Science
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• v.17 no.5
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• pp.51-59
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• 2019

Purpose - Nowadays financial technology is crucial for each organization to facilitate business transactions and make them easier. This paper was conducted with the purpose of determining the effect of fintech including services e-payment, bills e-payment, ways of payment and bank accounts with e-government on facilitating e-government services in terms of availability, accessibility, efficiency and responsiveness. Research design, data, and methodology - The problem of this paper is summarized in the lack of studies in this subject. So, a survey was applied on 400 respondents in Egypt to investigate the impact of fintech on facilitating e-government services, in order to determine which fintech item can affect any of facilitating services dimensions. Results - The results revealed that bank accounts with e-government doesn't affect any of facilitating services dimension, while each of the remain items has an effect on some dimensions and does not has effect on others. Conclusions - Data analysis revealed that the most obstacles that face respondents resulted in the weakness of internet networks, lack of efficient employees in e-government portal and lack of system effectiveness. In general, it clears that fintech implementation affect the dimensions of facilitating e-government services, however not all fintech implementation components have the same effect on the dimensions.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.10
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• pp.783-793
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• 2020

The purpose of this study is to investigate whether the ECFA impacted the efficiency of banks in China and Taiwan from 2008 to 2017. This study follows Seiford and Zhu (2002), who recommend using the standard data envelopment analysis model to measure performance by increasing the desirable outputs and decreasing the undesirables. The finding was that overall technical efficiency increased from 2012 to 2017, reaching 0.575, 0.652, 0617, 0.689, 0.701 and 0.74, respectively. This result implies bank efficiency did indeed improve after China and Taiwan signed the ECFA cooperation agreement. The study found that the mean technical efficiency was 0.8756 in China, greater than Taiwan's mean of 0.3511, implying that Chinese banks experienced a greater increase in efficiency after signing the EFCA. One possible reason explored in this study is that China's economy is currently growing at the highest rate in the world, and the banks' efficiency has benefited from greater economic growth. This suggests that cross-strait sustained negotiations to consummate an agreement on trade in the services will be a very important mission in the future. This result also provides significant evidence suggesting that not accounting for undesirable output while estimating the evolution of the model may seriously distort efficiency results.

• 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.

• Proceedings of the Korea Contents Association Conference
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• 2006.11a
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• pp.741-744
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• 2006

The e-commerce introduction at the Internet in base accept the renovation dimension from the organised side because of follow of the business in order to the big change. So when I considering the e-commerce introducing the problem easy to originate from the efficiency and expectation without radical preparation. Each commodities over the dimension of Internet information search it is using the various transaction of service as a matter of bank, securities, education, game that many business on the alternation of e-commerce and commerce tool the essentiality. Therefore the transactions at the Internet e-commerce under hold specific gravity and rule in the future with the propection increase the interest concern about the security skill. A study on this paper presentation through the planning method about the analysis on the objective which e-commerce follow the inflection of efficiency strategy and induction the plan on the penetration's revitalization about Internet e-commerce.