• 제목/요약/키워드: M-payment

검색결과 122건 처리시간 0.031초

OCR 기반 출납 모바일 어플리케이션 개발 (Developement of OCR based receipt and Payment Mobile Application)

  • 황지연;박도희;김도연;임승호
    • 한국정보처리학회:학술대회논문집
    • /
    • 한국정보처리학회 2018년도 춘계학술발표대회
    • /
    • pp.28-31
    • /
    • 2018
  • 이 연구에서는 효율적인 입, 출금 관리를 위해 기존 어플리케이션들의 불편함을 개선한 '입, 출금 관리시스템을 설계 및 구현하였다. 기존 출납관리 어플리케이션은 모든 내역을 사용자가 직접 입력하고 관리하는 방식으로 구현되어 있어서, 다수의 수입, 지출, 이체내역을 직접 입력해야하기 때문에 불편함과 오류들이 발생한다. 또한 남아있는 돈이 어느 계좌에 얼마나 남았는지 알 수 없는 문제점과 동일 은행에 2개 이상의 카드가 있는 경우 인식이 불가능하다는 문제점 역시 발생한다. 이런 문제점들을 개선하기 위해 계좌마다 보유액을 표시하도록 하고, 은행과 카드정보를 연결시켰다. 추가적으로 영수증의 텍스트를 인식해 내역을 저장함으로써 효율적으로 입, 출금 내역을 관리할 수 있도록 하였다. 본 어플리케이션의 기능은 크게 영수증 글자입력을 통한 내역추가, 사용자의 자산내역관리, 계좌 & 체크카드 연동, 더치페이 시스템 등이 있다. 영수증을 카메라로 찍어 필요 정보를 구별해 인식하고 지출 내역을 추가한다. 지출 내역을 추가할 때 필요에 따라 다른 사람들과 내역을 공유할 수 있다. 이 시스템을 통해 사용자는 더욱 쉽고 간편하게 입, 출금내역을 관리할 수 있을 것으로 보인다.

Beacon-Based O2O Marketing for Financial Institutions

  • Kwon, Young-Man;Park, Jin-Soo;Lee, Hyun-Jong;Kim, Myung-Gwan
    • 산경연구논집
    • /
    • 제5권4호
    • /
    • pp.23-29
    • /
    • 2014
  • Purpose - This thesis aims to propose a method to help financial institutions improve their customers' convenience online and offline through a Bluetooth based App using the tool of a beacon. The emergence of smartphones in the 21st century and their increasing use makes it possible to search for information easily. Research design, data, and methodology - With the short-distance Bluetooth technology for smartphones, which finds users within a radius of 50m to provide the functions of message transmission and mobile payment, users can access information services and use mobile coupons in certain premises. Thus, beacon-based O2O technology has been developed. Results - This study offers a method of attracting customers through an O2O marketing strategy that overcomes the existing limitations of Web and Offline media. Conclusions -Since beacon technology has the advantage of more accurate positioning than GPS, financial institutions provide their product information for users through the basic function of a beacon, using an O2O (Online to Offline) marketing solution and, therefore, effectively enable customers to make relevant payments online and conduct their financial actions offline.

사용자 결제정보보호를 위한 NTRU 기반 환 서명 기법 (Ring Signature Scheme based on NTRU for the Protection of User Payment Information)

  • 박성욱;고성종;이해각;이임영
    • 한국정보처리학회:학술대회논문집
    • /
    • 한국정보처리학회 2012년도 추계학술발표대회
    • /
    • pp.942-945
    • /
    • 2012
  • 최근 개인정보 노출에 의한 다양한 사건, 사고 발생에 의해 개인정보보호에 관련된 많은 이슈들이 문제시 되고 있다. 특히 과금, 결제에 활용되는 금융정보 노출 문제는 사용자들의 금전적인 피해를 발생시킬 수 있다. 이와 같은 문제점을 해결하기 위해 높은 암호학적 강도를 가진 암호알고리즘을 적용한다 하더라도 다양하고 끊임없는 공격에 의해 결국 사용자의 신원 또는 금융 결제 정보가 노출될 가능성을 가진다. 최근 한국인터넷진흥원에서 발표한 "NFC 개인정보보호 대책 최종보고서"에 따르면 개인 정보 암호화를 부분적으로 미지원하거나 불필요한 개인정보의 과도한 수집 및 저장 등이 문제점으로 제기되었으며 Google사의 Google Wallet 서비스의 개인정보 유출 사고 또한 이러한 문제점을 뒷받침하는 근거가 되고 있다. 본 논문에서는 기존에 서비스되고 있는 NFC 모바일 결제 서비스 상에서 결제정보의 이동 경로 별 결제 기술을 분석한다. 또한 가장 높은 등급의 모호성을 제공하는 환 서명을 이용하여 결제정보를 직접적으로 사용하지 않고 결제자를 증명할 수 있는 NTRU기반 환 서명 인증 기법에 대해 제안한다.

A Survey of Computational Offloading in Cloud/Edge-based Architectures: Strategies, Optimization Models and Challenges

  • Alqarni, Manal M.;Cherif, Asma;Alkayal, Entisar
    • KSII Transactions on Internet and Information Systems (TIIS)
    • /
    • 제15권3호
    • /
    • pp.952-973
    • /
    • 2021
  • In recent years, mobile devices have become an essential part of daily life. More and more applications are being supported by mobile devices thanks to edge computing, which represents an emergent architecture that provides computing, storage, and networking capabilities for mobile devices. In edge computing, heavy tasks are offloaded to edge nodes to alleviate the computations on the mobile side. However, offloading computational tasks may incur extra energy consumption and delays due to network congestion and server queues. Therefore, it is necessary to optimize offloading decisions to minimize time, energy, and payment costs. In this article, different offloading models are examined to identify the offloading parameters that need to be optimized. The paper investigates and compares several optimization techniques used to optimize offloading decisions, specifically Swarm Intelligence (SI) models, since they are best suited to the distributed aspect of edge computing. Furthermore, based on the literature review, this study concludes that a Cuckoo Search Algorithm (CSA) in an edge-based architecture is a good solution for balancing energy consumption, time, and cost.

한국형 CIPs 결제 공공 시스템을 통한 중소기업의 물류비용 절감 방안 연구 (Reduction of Logistics Cost of SMEs through the Korean Payment Public System in CIPs)

  • 김일권;정종필
    • 한국정보처리학회:학술대회논문집
    • /
    • 한국정보처리학회 2021년도 춘계학술발표대회
    • /
    • pp.256-258
    • /
    • 2021
  • 최근 전세계 각 연구기관에서 CPS, 클라우드 컴퓨팅, 5G, 빅데이터, IIOT, Milk-run AI 알고리즘 등을 활용한 CIPs(Connected Industrial parks) 아키텍쳐가 다양하게 제안되고 있다. 평균적으로 한국의 중소기업은 기술력과 가격 경쟁력 문제로 많은 어려움을 겪고 있다. 미국, 일본, 유럽 등의 해외 선진국들에 비하여 기술력이 확실한 우위를 보이지 못하고 있으며, 중국, 베트남 등의 국가에 비하여는 제조 가격 경쟁력을 보이지 못하고 있다. 이러한 상황에서 한국의 중소 기업들은 지속 가능한 성장 방안을 찾기 위하여 많은 노력을 하고 있다. 재무적으로 한국의 중소기업들이 수익성을 향상시키기 위해서는 매출을 증대시키는 것 보다 비용을 절감하는 것이 효과적이다. 이러한 문제 의식 속에서 한국 CIPs에 위치한 중소 기업들의 비용 절감을 위한 방안으로서 VJP(Vehicle Junction Problem)를 주목하였다. 중소 기업의 최소 물류 비용 달성을 위한 방법으로 CIPs 결제 한국형 시스템을 연구하였다. 새로운 한국형 CIPs결제 시스템의 세부 항목을 크게 4가지 "데이터(Data)", "업무(Business)", "자금(Finance)", "기술(Technique)"로 구분하여 정리하였다.

카노 모형을 이용한 모바일 쇼핑몰 앱의 서비스 품질 요인 분석에 관한 연구 (The Study on the e-Service Quality Factors in m-Shopping Mall App based on the Kano Model)

  • 김상오;윤선희;이명진
    • 산경연구논집
    • /
    • 제9권12호
    • /
    • pp.63-72
    • /
    • 2018
  • Purpose - In this study, it is classified the service quality dimension of mobile shopping app using Kano model. In addition, it is evaluated quality factors suitable for strategic management from the viewpoint of service provider through mobile application through binary dimension analysis. Research design, data, and methodology - In this study, seven quality dimensions such as information quality, reliability, immediacy, convenience, design, security and customer service were derived through related studies to make binary shopping quality app quality measurement. 37 sub-variables were set by each quality dimensions. Each questionnaire was composed of positive and negative items like Kano's proposed method, and the satisfaction coefficient suggested by Timko(1993) was examined to understand the influence of each factors on customer satisfaction. Results - As a result of research, shopping app users perceived unity quality factor in most items of service quality dimension such as information quality, reliability, immediacy, convenience and customer service. In addition, the satisfaction coefficient showed a good impression, quick response of the result, fast delivery, and the unsatisfactory coefficient showed more interest in personal information such as payment method safety, and transaction security. As a result of research, shopping app users perceived unity quality factor in most items of service quality dimension such as information quality, reliability, immediacy, convenience and customer service. And, in information quality, the information overload was classified as an apathetic quality component, while the related information provision belonged to an attractive quality component. In reliability quality, customized service provision was classified as an attractive quality component. In instant connectivity, the quality of the connection during transport was classified as an attractive quality component. In convenience quality, access to product information was classified as a one-way quality component. All components of designs quality were classified as attractive quality components, and in security quality, all of their components were all classified as one quality component. Lastly, in customer service, they components were all classified as a single quality component. In addition, the satisfaction coefficient showed a good impression, quick response of the result, fast delivery, and the unsatisfactory coefficient showed more interest in personal information such as payment method safety, and transaction security. Conclusion - In the online service environment, which is difficult to differentiate in terms of upward upgrading only by technological implementation and function, the results of this study can be suggested as a differentiating factor for major channels with customers rather than improve the brand image.

은행자동화기기 디자인개발에 관한 연구 (Research about banking automation device design development)

  • 오성진
    • 한국콘텐츠학회:학술대회논문집
    • /
    • 한국콘텐츠학회 2006년도 춘계 종합학술대회 논문집
    • /
    • pp.462-465
    • /
    • 2006
  • 근년에 들어 신용거래 문화가 확산되는 한편 고객에 대한 한 차원 높은 서비스를 제공하며 업무의 효율성 재고라는 의미에서 은행 업무의 자동화는 더욱 빠르게 진행되고 있다. 예컨대 고객에 대한 현금 지불 처리의 자동화는 현재 계속 진행되어 업체간 경쟁이 심해지고 있는 것이 현실이다. 최근 들어 본격 은행자동화기기(BANKING AUTOMATION SYSTEM)화를 추구하는 각 은행들은 보다 더 원활한 전산업무화와 질적으로 높은 고객서비스를 위해 현금자동인출기(CASH DISPENSER) 보급을 확대하고 있다. 따라서 현금자동인출기를 제작하는 MAKER들도 선두주자로서의 M/S 확보를 위해 다각도로 현금자동인출기 개발에 박차를 가하고 있다. 현금인출 자동화 기기인 CASH DISPENSER는 이제 일반화되어 기능의 다양화와 DESIGN이 COMPACT화해 가는 추세이다. 이러한 현 상황 하에서 실제로 현금자동인출기(CASH DISPENSER)를 개발을 하였던 과정을 근거로 하여 보다 더 신뢰성 있고 편리하게 사용할 수 있는 현금자동인출기(CASH DISPENSER)제안을 사례 형식으로 살펴 보고 앞으로의 DESIGN 개발 방향을 제시해 보았다.

  • PDF

수협 어선원 재해보상보험 자료를 이용한 연안선망어업 위험요인 분석 (Analysis of risk factors of the fisherman's in coastal purse seine fishery using the accident compensation insurance proceeds payment data of NFFC)

  • 최규석;이춘우;박수봉;장용석;이유원
    • 수산해양기술연구
    • /
    • 제56권4호
    • /
    • pp.340-346
    • /
    • 2020
  • In this study, the risk factors of coastal purse seine fisherman were analyzed through a survey of fishery workers of coastal purse seine fishery and the accident compensation insurance data of the fisheries workers of the National Federation of Fisheries Cooperatives (NFFC). The classified fishing operation accident data was analyzed through 4M (Man, Machine, Media, Management) model of the National Transportation Safety Board (NTSB) and the accident prevention measures were presented using Harvey's 3E (Engineering, Education, Enforcement) model. The rate of accidents on coastal purse seinens each year was 75.8‰, 36.7‰ and 74.8‰ from 2015 to 2017. The accident frequency resulting from slipping was the highest, and the risk of a contact with gear was low. When comparing each insurance data, the average value of the contact with gear accident was the highest. This research result is expected to be important data in identifying and preventing safety hazards of coastal purse seiner fisherman in the future.

광주.전남 지역의 중등학교 기술 담당 교사의 동기-위생요인 간 만족도 및 타 교과 교사와의 비교 연구 (A Comparison Study on Satisfaction with Motivation-Hygiene Factors between Technology and Other Teachers in Gwangju City and Chon-nam Province)

  • 장래찬;김성일
    • 대한공업교육학회지
    • /
    • 제34권2호
    • /
    • pp.230-247
    • /
    • 2009
  • 본 연구는 교사의 직무 및 그에 따른 보상과 관계된 동기-위생요인들에 대한 중 고등학교 기술 담당 교사와 타 교과 담당 교사의 만족도를 조사, 분석하여 그들의 직무동기 유발에 필요한 정보를 제공코자 했다. 광주, 전남도 내 중 고등학교 기술 담당 및 타 교과 담당 교사 216명으로부터 자료를 수집, T 검증으로 p <.05 혹은 그 이상에서 분석했다. 기술 담당 교사들의 동기요인 만족도 평균은 M = 3.85, 위생요인 만족도 평균은 M = 3.38로 동기요인에 대한 만족도가 높았다. 개별 요인별로 보면, 책무성에 대한 만족도가 가장 높았고 그 다음이 일 자체, 성취, 인간관계, 직업안정, 성장 가능성, 인정, 감독 기술 순이었으며, 이들은 모두 중도(그저 그렇다 = 3.00)를 상회하고 있었다. 직무 환경과 보수, 두 위생요인에 대해서는 중도에 가까운 불만족을 나타냈다. 이 두 요인을 개선하면 그들의 만족도는 높아질 것이다. 기술 담당 교사들은 10개의 동기 및 위생 중, 책무성(동기요인)과 인간관계(위생요인)에서 타 교과 교사들보다 더 만족하고 있었다. 그들은 교사로서의 책무성과 학교 구성원 간의 인간관계에 대해서 상대적으로 더 긍정적 이었다. 그러나 나머지 8개 요인에서는 차이가 없었다. 전체적으로 보면, 직무만족 혹은 불만족에 영향을 미치는 동기-위생요인에 대한 이들 두 교사집단 간의 만족도는 비슷하다고 판단된다. 본 연구는 광주, 전라남도 내 기술 담당 교사들과 타 교과 담당 교사들만을 대상으로 연구되었으므로 연구 결과를 전국적으로 일반화하는 데는 제한이 뒤따른다.

서비스제공자와 사용자의 인식차이 분석을 통한 소셜커머스 핵심성공요인에 대한 연구: 한국의 티켓몬스터 중심으로 (A Study on the Critical Success Factors of Social Commerce through the Analysis of the Perception Gap between the Service Providers and the Users: Focused on Ticket Monster in Korea)

  • 김일중;이대철;임규건
    • Asia pacific journal of information systems
    • /
    • 제24권2호
    • /
    • pp.211-232
    • /
    • 2014
  • Recently, there is a growing interest toward social commerce using SNS(Social Networking Service), and the size of its market is also expanding due to popularization of smart phones, tablet PCs and other smart devices. Accordingly, various studies have been attempted but it is shown that most of the previous studies have been conducted from perspectives of the users. The purpose of this study is to derive user-centered CSF(Critical Success Factor) of social commerce from the previous studies and analyze the CSF perception gap between social commerce service providers and users. The CSF perception gap between two groups shows that there is a difference between ideal images the service providers hope for and the actual image the service users have on social commerce companies. This study provides effective improvement directions for social commerce companies by presenting current business problems and its solution plans. For this, This study selected Korea's representative social commerce business Ticket Monster, which is dominant in sales and staff size together with its excellent funding power through M&A by stock exchange with the US social commerce business Living Social with Amazon.com as a shareholder in August, 2011, as a target group of social commerce service provider. we have gathered questionnaires from both service providers and the users from October 22, 2012 until October 31, 2012 to conduct an empirical analysis. We surveyed 160 service providers of Ticket Monster We also surveyed 160 social commerce users who have experienced in using Ticket Monster service. Out of 320 surveys, 20 questionaries which were unfit or undependable were discarded. Consequently the remaining 300(service provider 150, user 150)were used for this empirical study. The statistics were analyzed using SPSS 12.0. Implications of the empirical analysis result of this study are as follows: First of all, There are order differences in the importance of social commerce CSF between two groups. While service providers regard Price Economic as the most important CSF influencing purchasing intention, the users regard 'Trust' as the most important CSF influencing purchasing intention. This means that the service providers have to utilize the unique strong point of social commerce which make the customers be trusted rathe than just focusing on selling product at a discounted price. It means that service Providers need to enhance effective communication skills by using SNS and play a vital role as a trusted adviser who provides curation services and explains the value of products through information filtering. Also, they need to pay attention to preventing consumer damages from deceptive and false advertising. service providers have to create the detailed reward system in case of a consumer damages caused by above problems. It can make strong ties with customers. Second, both service providers and users tend to consider that social commerce CSF influencing purchasing intention are Price Economic, Utility, Trust, and Word of Mouth Effect. Accordingly, it can be learned that users are expecting the benefit from the aspect of prices and economy when using social commerce, and service providers should be able to suggest the individualized discount benefit through diverse methods using social network service. Looking into it from the aspect of usefulness, service providers are required to get users to be cognizant of time-saving, efficiency, and convenience when they are using social commerce. Therefore, it is necessary to increase the usefulness of social commerce through the introduction of a new management strategy, such as intensification of search engine of the Website, facilitation in payment through shopping basket, and package distribution. Trust, as mentioned before, is the most important variable in consumers' mind, so it should definitely be managed for sustainable management. If the trust in social commerce should fall due to consumers' damage case due to false and puffery advertising forgeries, it could have a negative influence on the image of the social commerce industry in general. Instead of advertising with famous celebrities and using a bombastic amount of money on marketing expenses, the social commerce industry should be able to use the word of mouth effect between users by making use of the social network service, the major marketing method of initial social commerce. The word of mouth effect occurring from consumers' spontaneous self-marketer's duty performance can bring not only reduction effect in advertising cost to a service provider but it can also prepare the basis of discounted price suggestion to consumers; in this context, the word of mouth effect should be managed as the CSF of social commerce. Third, Trade safety was not derived as one of the CSF. Recently, with e-commerce like social commerce and Internet shopping increasing in a variety of methods, the importance of trade safety on the Internet also increases, but in this study result, trade safety wasn't evaluated as CSF of social commerce by both groups. This study judges that it's because both service provider groups and user group are perceiving that there is a reliable PG(Payment Gateway) which acts for e-payment of Internet transaction. Accordingly, it is understood that both two groups feel that social commerce can have a corporate identity by website and differentiation in products and services in sales, but don't feel a big difference by business in case of e-payment system. In other words, trade safety should be perceived as natural, basic universal service. Fourth, it's necessary that service providers should intensify the communication with users by making use of social network service which is the major marketing method of social commerce and should be able to use the word of mouth effect between users. The word of mouth effect occurring from consumers' spontaneous self- marketer's duty performance can bring not only reduction effect in advertising cost to a service provider but it can also prepare the basis of discounted price suggestion to consumers. in this context, it is judged that the word of mouth effect should be managed as CSF of social commerce. In this paper, the characteristics of social commerce are limited as five independent variables, however, if an additional study is proceeded with more various independent variables, more in-depth study results will be derived. In addition, this research targets social commerce service providers and the users, however, in the consideration of the fact that social commerce is a two-sided market, drawing CSF through an analysis of perception gap between social commerce service providers and its advertisement clients would be worth to be dealt with in a follow-up study.