• Journal of the Korea Institute of Information Security & Cryptology
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• v.21 no.1
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• pp.15-26
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• 2011

The development of IT technology and information communication networks activated to online financial transactions; the users were able to get a variety of financial services. However, unlike the positive effect that occurred on 7 July 2009 DDoS(Distribute Denial of Service) attacks, such as damaging to the user, which was caused negative effects. Authentication technology(OTP) is used to online financial transaction, which should be reviewed to safety with various points because the unpredictable attacks can bypass the authentication procedure such as phishing sites, which is occurred. Thus, this paper proposes mobile OTP(One Time Password) Mechanism, which is based on PKI to improve the safety of OTP authentication. The proposed Mechanism is operated based on PKI; the secret is transmitted safely through signatures and public key encryption of the user and the authentication server. The users do not input in the web site, but the generated OTP is directly transmitted to the authentication server. Therefore, it is improvement of the availability of the user and the resolved problem is exposed from the citibank phishing site(USA) in 2006.

• Proceedings of the Korea Contents Association Conference
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• 2017.05a
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• pp.67-68
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• 2017

모바일 쇼핑의 확산으로 소비자들의 '일상적 구매'가 달라지고 있다. 불과 몇 년 전까지만 해도 쇼핑장소는 백화점이나 대형마트에 국한되었던 것이 모바일 기술과 배송기술의 발달로 식품과 생활필수품까지 온라인으로 구매하는 시대가 열리면서 소비자들의 일상이 바뀌고 있는 것이다. 20대 여성들의 모바일기기 통한 모바일 쇼핑 빈번도, 구매시간, 구매상품, 결제방법, 결제시스템 등에 대한 분석을 통해 국내 소비행태를 알아본다.

• Journal of Information Processing Systems
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• v.9 no.3
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• pp.461-476
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• 2013

Recently, smart devices for various services have been developed using converged telecommunications, and the markets for near field communication mobile services is expected to grow rapidly. In particular, the realization of mobile NFC payment services is expected to go commercial, and it is widely attracting attention both on a domestic and global level. However, this realization would increase privacy infringement, as personal information is extensively used in the NFC technology. One example of such privacy infringement would be the case of the Google wallet service. In this paper, we propose an zero-knowledge proof scheme and ring signature based on NTRU for protecting user information in NFC mobile payment systems without directly using private financial information of the user.

• Journal of Digital Convergence
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• v.17 no.2
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• pp.127-134
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• 2019

The purpose of this study was to investigate the factors affecting the behavior intention of smartphone mobile banking service among tourists. Currently, due to the development of mobile Internet technology and the spread of smartphone all over the world, interest and spread of smart phone based mobile banking is popularized. Thus, we analyzed the relationship among performance expectancy, social influence, facilitating conditions, perceived financial cost, perceived habit, perceived security level, and user's behavioral intention as a dependent variable. In this study, 203 respondents were interviewed about Chinese tourists at Jeju International Airport, and the influence of independent variables was determined by Smartpls 3.0. The results showed that the perceived security level and habit had a positive effect on the behavior intention. Especially, perceived security is a major issue of smartphone-based mobile banking in recent years. This study is meaningful in that it is an analysis of behavior factors of smartphone-based mobile banking service for tourists.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.18 no.3
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• pp.41-48
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• 2017

Recently, there has been a lot of ongoing research regarding financial transactions and payments due to the emergence of financial technology (FinTech). Payments have been processed through cash and credit cards, and payment methods have been simplified and are more convenient, with mobile payment via mobile cards and mobile phones. This study offers a new mobile payment method by using a mobile phone instead of a card reader or terminal. For payments, authentication is processed with the user's biometrics and a built-in fingerprint scanner, and the payment is processed after receiving an authentication code issued by the authorizing institution to confirm the user's identity. User biometrics and payment information is secured from any kind of malicious hacker by saving it in a Fast Identity Online (FIDO) Trusted Execution Environment (TEE) section in a smartphone. Regarding key security, every key is securely created in the FIDO TEE section, providing secure mobile payment by neutralizing various malicious attacks, including sniffing and the man-in-the middle attack.

• Journal of Intelligence and Information Systems
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• v.28 no.4
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• pp.365-385
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• 2022

The easy payment service is a payment and remittance service that uses a simple authentication method. As online transactions have increased due to COVID-19, the use of an easy payment service is increasing. At the same time, electronic financial industries such as Naver Pay, Kakao Pay, and Toss are diversifying the competition structure of the easy payment market; meanwhile overseas fintech companies PayPal and Alibaba have a unique market share in their own countries, while competition is intensifying in the domestic easy payment market, as there is no unique market share. In this study, the participants in the easy payment market were classified as electronic financial companies, mobile phone manufacturers, and financial companies, and a SWOT analysis was conducted on the representative services in each industry. The analysis examined the user reviews of Google Play Store via a topic modeling analysis, and it employed positive topics as strengths and negative topics as weaknesses. In addition, topic modeling was conducted by dividing news articles into political, economic, social, and technology (PEST) articles to derive the opportunities and threats to easy payment services. Through this research, we intend to confirm the service capabilities of easy payment companies and propose a service activation strategy that allows gaining the upper hand in the market.

• 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.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.12
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• pp.1005-1015
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• 2020

This paper aims to propose a Comprehensive Decision Support Model to evaluate retail companies' financial performance traded on the Vietnam Stock Exchange Market. The financial performance has been examined in terms of the valuations ratios, profitability ratios, growth rates, liquidity ratios, efficiency ratios, and leverage ratios. The data of twelve companies from the first quarter to the fourth quarter of 2019 and the first quarter of 2020 were employed. The weights of 18 chosen financial ratios are calculated by using the Standard Deviation method (SD). Grey Relational Analysis technique was applied to obtain the final ranking of each company in each quarter. The results showed that leverage ratios have the most significant impact on the retail companies' financial performance and gives some long-term investment recommendations for stakeholders and indicated that the Taseco Air Services Joint Stock Company (AST), Mobile World Investment Corporation (MWG), and Cam Ranh International Airport Services Joint Stock Company (CIA) are three of the top efficient companies. The three of the worst companies are Viglacera Corporation (VGC), Saigon General Service Corporation (SVC), and HocMon Trade Joint Stock Company (HTC). Furthermore, this study suggests that the GRA model could be implemented effectively to ranking companies of other industries in the future research.

• Journal of Information Technology Services
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• v.17 no.1
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• pp.47-58
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• 2018

In this study, we define Fintech services as review previous literatures and identify the traditional Fintech service market for analysing the economic effects of the Fintech Industry by using the 2014 Input-Output Table. We can identify the current market of Fintech industry which consists of VAN, PG, financial SW, mobile banking and Fintech R&D and we conduct Input-Output analysis by using non-competitive import model. The Input-Output analysis results show that production inducement effect and front/rear chain effect of the Fintech Industry are below average of other industries. This is because the Fintech technology and industry were emerging in Korea at that time (2014), and thus the ripple effects are not significant. Especially, due to the existing white risk financial regulation, new business opportunities have not been open to adapt new ICT-financial technologies. Therefore, when the business ecosystem is build through deregulation and platforms of the financial sector, it is expected that the Fintech Industry will have a high ripple effect. In this study, we identify the current market of Fintech industry from ICT indusries and conduct Input-Output analysis. The economic effects of the Fintech industry are not remarkable, but it is significant to identify the emerging market and present the basic analysis of issued research field.

• The Journal of Economics, Marketing and Management
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• v.9 no.1
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• pp.41-50
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• 2021

Purpose: In general, when a company wants to build a brand, its brand managers research the market and industry trends and then make decisions regarding the brand architecture and brand positioning development. This study was conducted not only in the service industry but also in manufacturing, finance, public institutions, and a variety of other business institutions. This led to a statistically significant difference between the status of external mobile branding for each business sector, and brand commitment and performance. Research Design, Data and Methodology: External mobile brand communication activities influence on employees' brand commitment. External mobile brand communication has a greater impact on employee brand commitment than any other factors. Result: Among the three external mobile branding activity variables, the external mobile brand communication variables have the greatest impact on employee brand performance. This supports the arguments proposed by that external mobile brand communication has a greater impact on employee brand commitment than any other factors. Conclusion: As a result, public institutions, such as ordinary businesses, need to recognize that external branding activities that enhance employee brand performance should be a key management activity. In contrast, financial institutions have the highest leadership activities and employee brand commitment.