• Title/Summary/Keyword: M-payment

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mPAY : A New MicroPayment System (mPay : 초소액 지불시스템)

  • Sin, Jun-Beom;Lee, Gwang-Hyeong
    • Journal of KIISE:Information Networking
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    • v.27 no.3
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    • pp.288-300
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    • 2000
  • 본 논문에서는 효율성, 안전성 및 이중사용방지 요구 조건을 만족하면서 동시에 시스템 사용과정에서 생길 수 있는 여러 분쟁 유형에 대해서 효과적으로 대처할 수 있는 초소액 지불시스템을 제안한다. 이를 위하여 기존의 시스템들이 효율성 향상을 위해 많이 사용해 온 S/KEY 방식의 해쉬 체인을 변형한 이중 해쉬체인 구조를 제안한다. 제안 시스템인 mPay-1, mPay-2는 이 구조를 기반으로 하였으며 안전성 및 분쟁해결성 측면에서 좋은 결과를 보인다. mPay-1은 기존의 시스템과 동일한 효율성을 갖으나 보다 안전하다. mPay-1의 확장형인 mPay-2는 추가적으로 여러 분쟁 유형들에 대해 효과적으로 대처할 수 있다.

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A Study of Factors Influencing on Customer's Trust in Mobile Commerce Site (M-커머스 사이트의 신뢰도 형성요인에 관한 실증연구)

  • Han Dae-Mun;Kim Yeong-Real
    • Journal of Korea Society of Industrial Information Systems
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    • v.10 no.3
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    • pp.1-6
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    • 2005
  • This study tried to identify factors influencing on customer's trust in Mobile Commerce Sites. Four factors were found ; transaction security, site image, navigation usability, payment convenience. These factors showed strong correlations with customer's trust. Implications of the study and further research issues are discussed.

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Developing the Test Module of PSAM for $Hipass^{PLUS}$ Card System (하이패스플러스카드 시스템을 위한 PSAM 시험 모듈 개발)

  • Lee Ki-Han;Suh Hyun Kyo;Yoo Chang Hee;Lee Seung-Hwan
    • The Journal of The Korea Institute of Intelligent Transport Systems
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    • v.2 no.2 s.3
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    • pp.73-84
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    • 2003
  • Due to the problems of existing prepaid plastic card issued by Korea Highway Company, the prepaid electronic payment system using a smart card, called HipassPLUS Card, was developed to overcome the Problems. PSAM is one of the main component of the systea which can retrieve the value from HipassPLUS card, transmit the transaction data to CSAM, and store the accumulated account lists. For the safety of the elecoonic payment system, the functions of PSAM should be faultless. This paper developed a test module including the test method, the test checklist, and the test procedure. The test module examines the functionality and security of the payment mechanism to insure that the value stored in HipassPLUS card can be raid to PSAM by the merchants and the standardized SAM. The test module also inspects the transmission mechanism to send and store the transaction data kom PShM to CSAM correctly and safely. Ihe module is designed to test the standard items using the test checklists for PSAM. The test items and the test checklists of PShM was selected under the provision of the specification of Korea Highway Company and ISO standard. Ihe evaluation on PSAM using the test module indicates that PSAM satisfies the evaluation criteria on the quality characteristics of the functionality, security, and compatibility.

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Emerging IT Services Model : Cloud Business Model, Focused on M-Pesa Case (새로운 IT 서비스 모델, 클라우드 비즈니스 모델 : M-Pesa 사례 분석)

  • Hahm, Yukun;Youn, Youngsoo;Kang, Hansoo;Kim, Jinsung
    • Journal of Information Technology Services
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    • v.11 no.3
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    • pp.287-304
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    • 2012
  • Cloud computing, which means a new way of deploying information technology(IT) in organizations as a service and charging per use, has a deep impact on organizations' IT accessibility, agility and efficiency of its usage. More than that, the emergence of cloud computing surpasses a mere technological innovation, making business model innovation possible. We call this innovation realized by could computing a cloud business model. This study develops a comprehensive framework of business model, first, and then defines and analyzes the cloud business model through this framework. This study also examines the case of M-Pesa mobile payment as a cloud business model in which a new value creation and profit realization schemes have been realized and industry value network has changed. Finally, this study discusses the business implications from this new business model.

An Implementation strategy of mobile electronic payment based on java mobile platform for M-Commerce (M-Commerce를 위한 자바 모바일 플랫폼 기반의 전자지불 구현 방법)

  • Park, Nam-Je;Shin, Kyun-Ho;Choi, Young-Jin;Song, You-Jin
    • Proceedings of the Korea Information Processing Society Conference
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    • 2001.04b
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    • pp.817-820
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    • 2001
  • 본 논문에서는 자바 모바일 플랫폼을 기반으로 하는 M-Commerce 보안 플랫폼을 검토하고, J2ME 기반 CLDC와 MIDP를 이용해서 M-Commerce 전자지불을 위한 휴대용 전자지갑 구현방안을 제시한다. 본 논문에서 제안한 방안은 무선 인터넷 환경에서 신용카드 결제 방식으로 지불할 경우 관련 중요 정보를 안전하게 전송하고, 대금 결제를 할 수 있도록 한다. 그리고, 무선인터넷 응용프로토콜 WAP 방식의 보안을 고려한 WTLS 보안 메커니즘을 이용하고, J2ME 기술을 기반으로 하기 때문에 향후 IMT2000에서도 사용 가능하다.

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NFC-based Integrated Mobile Payment System using the mCoupon (NFC 기반의 mCoupon을 이용한 모바일 통합 결제 시스템)

  • Hwang, Yong-Woon;Lee, Dae-Hwi;Kim, Su-Hyeon;Lee, Im-Yeong
    • Proceedings of the Korea Information Processing Society Conference
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    • 2015.10a
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    • pp.1061-1064
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    • 2015
  • 모바일 IT기술이 발전함에 따라 비접촉 근거리 무선 통신 기술 중 NFC가 대부분의 스마트기기에 탑재되어 빠르게 확산되고 있다. 특히 스마트폰의 NFC 기능을 이용한 서비스들 중 모바일 결제 서비스가 활성화를 위해 다양한 인프라가 구축되어 있으며 최근에는 금융과 기술이 결합한 '핀테크(Fintech)'가 주목받으면서 NFC를 사용한 모바일 결제에 대한 관심이 높아지고 있다. 기존의 NFC 모바일 결제 시스템은 쿠폰 사용, 포인트 결제 등 다양한 할인혜택을 제공한다. 하지만, 결제 시 할인혜택을 받는 과정에서 쿠폰 사용으로 인해 시간이 다소 소요되며 여러 번 통신으로 결제가 진행되어 사용자들로 하여금 불편하다는 문제가 발생한다. 따라서 본 논문에서는 NFC 환경에서의 mCoupon(mobile-coupon)을 이용한 안전하고 효율적인 통합결제 시스템을 설계하여 사용자들로 하여금 누구나 쉽게 사용할 수 있도록 구현한다.

A Study on the Feasibility of Automation of Upper-Air Sounding Using Autosonde Installed at Haenam, Korea (해남 오토존데를 이용한 고층관측 자동화 가능성에 관한 연구)

  • Kim, Baek-Jo;Lee, Seung-Ju;Cho, Chun-Ho;Ryu, Chan-Su;Lee, Seong-Lo;Kim, Ho-Kyung
    • Journal of Environmental Science International
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    • v.17 no.3
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    • pp.325-334
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    • 2008
  • The feasibility of the automation of upper-air sounding is examined by using recent 3-year$(2002\sim2004)$ observation data from Autosonde at Haenam, Korea. The Autosonde has been successfully operated since 2002 in order to produce an intensive observation data at high-impact weather events for research purpose. It is found from the analysis of recent 3 years' operation data of the system that the system could be capable of making a stable observation when strong wind greater than 20 m/s was recorded under the influence of typhoons Rusa in 2002 and Maemi in 2003. It might be concluded that there is some possibility in automating upper-air sounding for operational purpose through the reduction of operator's payment and operating cost for upper-air sounding.

An Economic Analysis of Ice Thermal Storage and Absorption Chiller-Heater Systems (빙축열 시스템과 흡수식 냉온수기 공조 방식의 경제성 분석)

  • Lim, Hyun-Woo;Kim, Young-Il;Kim, Kang-San;Kang, Yong-Tae
    • Proceedings of the SAREK Conference
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    • 2009.06a
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    • pp.218-223
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    • 2009
  • Cost related to building equipment accounts for about 85% of the life cycle cost of buildings. Therefore proper selection of air-conditioning system is important for reducing the overall cost of buildings. In this study, large capacity ice thermal storage and absorption chiller-heater for air-conditioning a building with a floor area of $9,900\;m^2$ are compared economically. For easy input and analysis, an Ms Excel VBA program has been developed. To consider all the factors of initial and operation costs effectively, an annual equal payment method is proposed. Under the assumptions made in this study, overall cost of an absorption chiller-heater is less than that of an ice thermal storage, but this is not absolute and different outcome may result if different assumptions are made. This study is useful for those who are interested in choosing an economical air-conditioning system for large-size buildings with simple calculations.

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The Economic Comparison of EHP and GHP for Medium Capacity Air-conditioning (중용량 공조에서 EHP와 GHP의 경제성 비교)

  • Kim, Young-Il
    • Korean Journal of Air-Conditioning and Refrigeration Engineering
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    • v.20 no.3
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    • pp.167-174
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    • 2008
  • Cost related to building equipment accounts for about 85% of the life cycle cost of buildings. Therefore proper selection of air-conditioning system is important for reducing the overall cost of buildings. In this study, medium capacity EHP and GHP for air-conditioning a building with a floor area of 1,200 $m^2$ are compared economically. To consider all the factors of initial and operation costs effectively, an annual equal payment method is proposed. For the initial cost, cost of equipment, construction, installation, electric facility, financial subsidy and tax cut is considered. Cost of basic electricity, energy(electricity and gas), space charge, labor, insurance and repair is considered for the operation cost. Under the assumptions made in this study, overall cost of EHP is less than that of GHP, but this is not absolute and different outcome may result if different assumptions are made. This study is useful for those who are interested in choosing an air-conditioning system that costs less for mid-size buildings with simple calculations.

Data Science and Machine Learning Approach to Improve E-Commerce Sales Performance on Social Web

  • Hussain Saleem;Khalid Bin Muhammad;Altaf H. Nizamani;Samina Saleem;M. Khawaja Shaiq Uddin;Syed Habib-ur-Rehman;Amin Lalani;Ali Muhammad Aslam
    • International Journal of Computer Science & Network Security
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    • v.23 no.8
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    • pp.137-145
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    • 2023
  • E-Commerce is a buzzword well known for electronic commerce activities including but not limited to the online shopping, digital payment transactions, and B2B online trading. In today's digital age, e-commerce has been playing a very important and vital role in areas such as retail shopping, sales automation, supply chain management, marketing and advertisement, and payment services. With a huge amount of data been collected from various e-commerce services available, there are multiple opportunities to use that data to analyze graphs and trends. Strategize profitable activities, and forecast future trade. This paper explains a contemporary approach for collecting key data metrics and implementing cost-effective automation that will support in improving conversion rates and sales performance of the e-commerce websites resulting in increased profitability.