• The Journal of Korean Institute of Communications and Information Sciences
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• v.38C no.7
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• pp.563-572
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• 2013

Based on this paper, in case of the on-line account system in finance industry temporarily stops working because of the on-line data change from 00:00 to 00:30, it conducts in extra placement server and the director update is carried out via center cut or on-line server to make the service possible through customer director reproduction revision. So, from the simulation result in financial operating system, We retain the batch director & backup director securely about the important time data in each account classes on-line director without even one second interruption.

• Maxillofacial Plastic and Reconstructive Surgery
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• v.29 no.4
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• pp.366-371
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• 2007

Evaluation of the methods of processing allogenic bone must be considered in order to make an effective choice of graft materials in oral surgery. Allograft materials processed by the tissue banking industry have varying capacities of bone reconstruction. The biological function of processed bone can be affected by many factors, like particle size, processing parameters, and inclusion or exclusion of mineral and moisture. For example, freeze drying step offers a safe and economical means for packaging, shipping, storage, and preservation of homologous bone. Demineralization of cortical bone using hydrochloric acid can produce a uniform demineralized surface with a capacity for osteoinduction. The objectives of this review were to evaluate the processing methods for allogenic bone and to characterize processed materials for grafting. It is important to understand the biological, biomechanical healing of different types of allografts to make the right choice for allogenic bone on each clinical application and to achieve a successful outcome for alveolar bone reconstruction in oral surgery.

• THE INTERNATIONAL COMMERCE & LAW REVIEW
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• v.25
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• pp.99-119
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• 2005

Recently, the export claims related to the compliance of the commercial invoice are increasing. This paper aims to review the basic requirements of the invoice, and two theories on the document compliance, i.e., the strict compliance and the substantial compliance, and to analyse the substantial compliance of the invoice through some recent cases under the UCP 500, ICC's opinions and the International Standard Banking Practice (ISBP). As regards the compliance of the invoice, a majority of the cases has held that it must comply strictly with the credit terms ("strict compliance rule"). However, a minority of courts and credit industry standards such as the UCP and ISBP published by ICC take a different approach, infusing the credit law notions such as equity, "substantial compliance rule", etc. The extent of the substantial compliance of the invoice is particularly explained in the above-mentioned invoice paragraphs of the ISBP and supported by a large number of ICC's official opinions. Especially, the parties and descriptions in the invoice must correspond with those in the credit, being not inconsistent with the other documents. Other issues related to invoices such as a tolerance of the quantity, the amount, and the number of originals or copies, etc. must comply with the credit terms substantially.

• KDI Journal of Economic Policy
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• v.28 no.1
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• pp.49-93
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• 2006

This paper conducts an empirical analysis on the effects of bancassurance on stability and efficiency of the Korean banking industry. The stability and the efficiency are measured using Z-score and composite functional form based on the annual data of 2000 to 2004 for all domestic banks and insurance companies. The stability test indicates that expansion of bancassurance decreases the stability of banks. Furthermore, the efficiency test implies that with the extension of bancassurance, the cost efficiency declines while revenue efficiency rises, which results in an overall increase of profit efficiency.

• Journal of the Korea Institute of Building Construction
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• v.20 no.2
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• pp.163-169
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• 2020

Construction is a typical labor-dependent industry. However, problems related to wage payment, which directly affects the livelihood of workers, have caused other problems in maintaining skilled workers, such as increasing the turnover rate of skilled workers, resulting in a shortage of skilled workers. Against this backdrop, this study was conducted to develop measures to improve the conventional wage payment systems in order to prevent skilled workers from leaving their jobs and to maintain them as workers. It is necessary to make the registration of non-registered small-sized construction companies in Korea mandatory, and to introduce means by which construction companies that hire workers through non-registered agents can be penalized. In addition, the project bank account (PBA) system used in the domestic banking sector can be benchmarked in operating payment systems, an approach that is expected to effectively prevent delayed wage payments in the construction industry.

• 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.

• The Journal of the Korea Contents Association
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• v.18 no.1
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• pp.196-209
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• 2018

This study is founded on banks' profitability factors. Unlike the previous study in terms of diversification of the banks' funding structure, this research performs multiple regression analysis during the entire period and examines the comparative analysis of before and after the financial crisis. the study establishes hypotheses by using the wholesale funding ratio as a key focus variable with 8 explanatory variables and the operating profit on assets as a profitability index. The Loan-deposit rate gap, the Number of stores and the Non-performing loan ratio prove to be a significant profitability factor for all periods of time. Korean banks are also more profitable when their the Loan-deposit rate gap get bigger and the Number of stores grows. The wholesale funding ratio is analyzed to have no statistically significant effect on the profitability of banks. Rather than being influenced by macroeconomic indicators, it is indicated that the situation of individual banks and other financial environments have been affected. And banks increase profitability as banks increase their loan after the financial crisis. The empirical analysis shows that profitability factors have periodical distinctions, and in this aspect, this research has implications. The study needs to be expanded to cover the entire domestic banking sector, in consideration of the profitability of the banking industry in the future.

• The Korean Journal of Financial Management
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• v.26 no.2
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• pp.113-153
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• 2009

Financial conglomerates combine banking, securities, insurance and other financial services within a single economic entity. In this paper we analyze the effect of financial conglomeration on the default risk of financial companies in the Korean financial industry. We use two risk measures based on individual company level as proxies of the default risk, one is Z-index proposed by Altman(1968) and the other is the weighted capital adequacy ratio. We find that financial conglomeration has a negative effect on the default risk of financial companies. The asset size and diversity level of financial conglomerates, however, are negatively correlated with the default risk of financial companies. These results mean that in the Korean financial industry, even though the economy of scale and scope does exist, financial conglomeration does not translate into lower risk of financial companies composing financial conglomerates.

• The Journal of the Korea Contents Association
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• v.12 no.1
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• pp.460-475
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• 2012

The relationship between Korean bank and customer are known as rigidity compare to other industry. The conservative organizational culture is often found in Korean banks. Today, Korean banks are facing dramatic change in digital world in that new wave in online intensifies the connectivity with bank customers and potentials. The introduction of social media would force to develop new marketing strategy in terms of the relationship oriented behavior. The case study presents the findings of a social media marketing strategy which was conducted in Industrial Bank of Korea in 2009-2011. More specifically, the study was designed to determine and evaluate the importance of social media marketing by retail bank in strategic instrument. Also it sets out to determine the perceived usefulness of the relationship oriented services offered by banks to their visitors and followers what these banks can do in order to improve bank services to improve competitive. Using the six relationship activity factors, the banks were examined in the study, a set of core activities (trusty worthy, empathy, shared value, emotional bonding, rich communication) are defined and described.

• Proceedings of the Korean Institute of Intelligent Systems Conference
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• 2004.10a
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• pp.553-559
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• 2004

In todays security industry, personal identification is also based on biometric. Biometric identification is performed basing on the measurement and comparison of physiological and behavioral characteristics, Biometric for recognition includes voice dynamics, signature dynamics, hand geometry, fingerprint, iris, etc. Iris can serve as a kind of living passport or living password. Iris recognition system is the one of the most reliable biometrics recognition system. This is applied to client/server system such as the electronic commerce and electronic banking from stand-alone system or networks, ATMs, etc. A new algorithm using nonlinear function in recognition process is proposed in this paper. An algorithm is proposed to determine the localized iris from the iris image received from iris input camera in client. For the first step, the algorithm determines the center of pupil. For the second step, the algorithm determines the outer boundary of the iris and the pupillary boundary. The localized iris area is transform into polar coordinates. After performing three times Wavelet transformation, normalization was done using sigmoid function. The converting binary process performs normalized value of pixel from 0 to 255 to be binary value, and then the converting binary process is compare pairs of two adjacent pixels. The binary code of the iris is transmitted to the by server. the network. In the server, the comparing process compares the binary value of presented iris to the reference value in the University database. Process of recognition or rejection is dependent on the value of Hamming Distance. After matching the binary value of presented iris with the database stored in the server, the result is transmitted to the client.