• Journal of Intelligence and Information Systems
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• v.20 no.2
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• pp.163-178
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• 2014

Following research proposes "Virtualization of Smart Cards (ViSCa)" which is a security system that aims to provide a multi-device platform for the deployment of services that require a strong security protocol, both for the access & authentication and execution of its applications and focuses on analyzing Virtualization of Smart Cards (ViSCa) platform-based mobile payment service by comparing with other similar cases. At the present day, the appearance of new ICT, the diffusion of new user devices (such as smartphones, tablet PC, and so on) and the growth of internet penetration rate are creating many world-shaking services yet in the most of these applications' private information has to be shared, which means that security breaches and illegal access to that information are real threats that have to be solved. Also mobile payment service is, one of the innovative services, has same issues which are real threats for users because mobile payment service sometimes requires user identification, an authentication procedure and confidential data sharing. Thus, an extra layer of security is needed in their communication and execution protocols. The Virtualization of Smart Cards (ViSCa), concept is a holistic approach and centralized management for a security system that pursues to provide a ubiquitous multi-device platform for the arrangement of mobile payment services that demand a powerful security protocol, both for the access & authentication and execution of its applications. In this sense, Virtualization of Smart Cards (ViSCa) offers full interoperability and full access from any user device without any loss of security. The concept prevents possible attacks by third parties, guaranteeing the confidentiality of personal data, bank accounts or private financial information. The Virtualization of Smart Cards (ViSCa) concept is split in two different phases: the execution of the user authentication protocol on the user device and the cloud architecture that executes the secure application. Thus, the secure service access is guaranteed at anytime, anywhere and through any device supporting previously required security mechanisms. The security level is improved by using virtualization technology in the cloud. This virtualization technology is used terminal virtualization to virtualize smart card hardware and thrive to manage virtualized smart cards as a whole, through mobile cloud technology in Virtualization of Smart Cards (ViSCa) platform-based mobile payment service. This entire process is referred to as Smart Card as a Service (SCaaS). Virtualization of Smart Cards (ViSCa) platform-based mobile payment service virtualizes smart card, which is used as payment mean, and loads it in to the mobile cloud. Authentication takes place through application and helps log on to mobile cloud and chooses one of virtualized smart card as a payment method. To decide the scope of the research, which is comparing Virtualization of Smart Cards (ViSCa) platform-based mobile payment service with other similar cases, we categorized the prior researches' mobile payment service groups into distinct feature and service type. Both groups store credit card's data in the mobile device and settle the payment process at the offline market. By the location where the electronic financial transaction information (data) is stored, the groups can be categorized into two main service types. First is "App Method" which loads the data in the server connected to the application. Second "Mobile Card Method" stores its data in the Integrated Circuit (IC) chip, which holds financial transaction data, which is inbuilt in the mobile device secure element (SE). Through prior researches on accept factors of mobile payment service and its market environment, we came up with six key factors of comparative analysis which are economic, generality, security, convenience(ease of use), applicability and efficiency. Within the chosen group, we compared and analyzed the selected cases and Virtualization of Smart Cards (ViSCa) platform-based mobile payment service.

• Journal of Information Science Theory and Practice
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• v.11 no.4
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• pp.14-39
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• 2023

Cybercrime is a significant threat to Internet users, involving crimes committed using computers or computer networks. The landscape of cyberspace presents a complex terrain, making the task of tracing the origins of sensitive data a formidable and often elusive endeavor. However, tracing the source of sensitive data in online cyberspace is critically challenging, and detecting cyber-criminals on the other hand remains a time-consuming process, especially in social networks. Cyber-criminals target individuals for financial gain or to cause harm to their assets, resulting in the loss or theft of millions of user data over the past few decades. Forensic professionals play a vital role in conducting successful investigations and acquiring legally acceptable evidence admissible in court proceedings using modern techniques. This study aims to provide an overview of forensic investigation methods for extracting digital evidence from computer systems and mobile devices to combat persistent cybercrime. It also discusses current cybercrime issues and mitigation procedures.

• The Journal of Society for e-Business Studies
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• v.26 no.4
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• pp.53-79
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• 2021

With the revitalization of non-face-to-face transactions, the difference between the size of branches and transaction costs among securities firms has decreased, and the importance of the stock trading system has increased. In particular, the mobile trading system has become more important due to the increase in the proportion of transactions in the mobile trading system, which is widely used by individual investors, and the increase in the number of individual investors after COVID-19. However, user-centered usability studies are insufficient as usability studies on mobile trading systems are conducted through literature surveys or survey methods. Therefore, in this study, a repertory grid technique that finds user's empirical perception was used to find out user-centered usability attributes. The usability attributes of the mobile trading system from the user's point of view were elicited, and the difference in the usability attributes in terms of frequency and importance between the user group and the developer group was identified.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2016.05a
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• pp.201-202
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• 2016

Recently, Fintech, a technology that was created as a result of mixture of finance and IT technology, has become a big issue with the development of IT technology and widespread of smartphone usage. Although a continuous research to let new mobile banking payment system to settle in the domestic market is necessary, the research available is inadequate in the status quo. Trust, which is lacking at the moment, is regarded the most important factor in mobile banking payment system. This study, therefore, investigate into factors that building trust that effects people's usage of mobile financial payment systems.

• Journal of Korea Society of Industrial Information Systems
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• v.28 no.5
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• pp.55-66
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• 2023

This study analyzes the characteristics of customer's preferences on banking channels (branches, automated machines, telebanking, internet banking, and mobile banking) and examines the factors influencing channel usage. To accomplish this, ANOVA and multiple regression analysis are performed using customer data from Bank A. The analysis reveals that customers primarily utilizing branch counter transactions have a significant impact on the profitability of 1st and 2nd grade banks, particularly among the age group of 50 years and above. Additionally, it is observed that as customers' loan, deposit, and financial product holdings increase, branch counter transactions also increase. On the other hand, it is found that as the usage of mobile banking decreases in terms of loans and deposits, transaction volume increases.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2013.05a
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• pp.227-230
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• 2013

Financial transactions using a mobile terminal and the Internet is activated, it is a stock exchange enabled using mobile devices and the Internet. Koscom in charge of IT operations of securities transaction-related in (securities ISAC), to analyze the vulnerability of information security related to securities transactions, which corresponds to running the integrated security control system. Online stock trading is a subject to the Personal Information Protection Act, electronic systems of related, has been designated as the main information and communication infrastructure to, damage financial carelessness of the user, such as by hacking is expected to are. As a result, research on the key vulnerabilities of information security fields related to securities business cancer decoding of the Securities and Exchange packet, through the analysis of security events and integrated security control is needed.

• Journal of Internet Computing and Services
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• v.16 no.1
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• pp.9-20
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• 2015

Nowadays, Smart Wallet technology trend that is able to save users' consuming costs and also retain users' redundant behaviors such as Single-tapping, One-way communication, Integrated ID, has been issued in recent Mobile Industrial Fields. As one of Smart Wallet functions, Integrated ID is proposed for users' convenience, handiness, and immediate responses. It is designed for the effective management of users' IDs which are easy to be forgot because of its unusual structures. To be detail, instead of user, Integrated ID system can certificate users identification from various online sites (where user resisted) authorization requests via one-clicking, not putting identification data in each sites. So, this technology would be helpful much to a certain user who has lots ID and its Password in multiple Online shopping companies by establishing integrated ID. However, although Integrated ID has lots advantages to be used, most Mobile Service Companies has hesitated to apply Integrated ID service in their shopping systems because this technology requires them sharing their users' data. They have worried that this service would be not helpful to gain their profits. Furthermore, Users who join in multiple shopping companies and use Integrated ID services also are difficult to decide which company they have to save their points in before payment because this system could not show any financial benefit analysis data to their users. As following facts, via this paper majorly we propose the advanced Integrated ID system which concern shopping point management. Basically, this system has a strong security payment service and secure network services like other mobile Shopping systems. Additionally, this system is able to service (or to support) shopping -point -saving guide for customers' financial benefits and conveniences.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.14 no.6
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• pp.2591-2611
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• 2020

Botnets have become one of the most significant threats to Internet-connected smartphones. A botnet is a combination of infected devices communicating through a command server under the control of botmaster for malicious purposes. Nowadays, the number and variety of botnets attacks have increased drastically, especially on the Android platform. Severe network disruptions through massive coordinated attacks result in large financial and ethical losses. The increase in the number of botnet attacks brings the challenges for detection of harmful software. This study proposes a smart framework for mobile botnet detection using static analysis. This technique combines permissions, activities, broadcast receivers, background services, API and uses the machine-learning algorithm to detect mobile botnets applications. The prototype was implemented and used to validate the performance, accuracy, and scalability of the proposed framework by evaluating 3000 android applications. The obtained results show the proposed framework obtained 98.20% accuracy with a low 0.1140 false-positive rate.

• Journal of Korean Society of Industrial and Systems Engineering
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• v.44 no.1
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• pp.51-59
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• 2021

Electronic document communication based on a digital channel is becoming increasingly important with the advent of the paperless age. The electronic document based on PDF format does not provide a powerful customer experience for a mobile device user despite replacing a paper document by providing the content integrity and the independence of various devices and software. On the other hand, the electronic document based on HTML5 format has weakness in the content integrity as there is no HTML5 specification for the content integrity despite its enhanced customer experience such as a responsive web technology for a mobile device user. In this paper, we design the Document-HTML, which provides the content integrity and the powerful customer experience by declaring the HTML5 constraint rules and the extended tags to contain the digital signature based on PKI. We analyze the existing electronic document that has been used in the major financial enterprise to develop a sample. We also verify the Document-HTML by experimenting with the sample of HTML electronic communication documents and analyze the PKI equation. The Document-HTML document can be used as an authorized electronic document communication and provide a powerful customer experience in the mobile environment between an enterprise and a user in the future.

• Journal of Information Technology Applications and Management
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• v.28 no.2
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• pp.1-16
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• 2021

In recent years, as IT technologies such as cloud computing and mobile payment have evolved and Internet users have increased, the Internet financial market has become intelligent, mobile, and platformed. This study considers the impact of the psychological characteristics of platform systems and users on the performance of fintech platforms. The results of this study are as follows. Information quality affected trust and commitment, service quality affected commitment only, and system quality affected trust and commitment. The perceived risk affected trust and commitment, and the perceived benefit only affected trust and was shown to have an insignificant relationship with immersion. Trust has been shown to have a significant relationship with commitment, and both trust and commitment affected performance. In the validation of mediation effects, trust has shown a partially mediated effect between information quality, system quality, perceived risks, and perceived benefits and performance. There was no mediation effect between service quality and performance. Immersion has been shown to have a partial mediating effect between information quality, service quality, system quality, perceived risk and performance, and there is no mediating effect between perceived benefits and performance. This study showed what are the main factors that affect the performance of the fintech platform and will be used as a useful foundation for increasing the performance of the platform in the future.