• The Journal of Information Systems
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• v.28 no.2
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• pp.181-200
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• 2019

Purpose In order to find out the influential factors to accept the mobile convenient payment service like Apple pay or Samsung Pay based on the Unified Theory of Acceptance and Use of Technology according to the type of High and Low value payments. Design/methodology/approach This research model is designed on the factors of Unified Theory of Acceptance and Use of Technology and simultaneously analysed, or performed the empirical analysis of the PLS-SEM(Partial Least Squares structural equation model) in order to forage for the association among mobile convenient payment service's features. Findings According to the empirical analysis consequence, this research confirmed that the adoption of mobile convenient payment services is influence by features on the basis of Unified Theory of Acceptance and Use of Technology, mobility, and trust. Also, this paper figure out that the behavior of an user acceptance of mobile convenient payment services according to the type of high and low value payments.

• The Journal of Society for e-Business Studies
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• v.7 no.1
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• pp.35-50
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• 2002

Recently, payment method is one of the most hot issues for transaction of contents in mobile and internet markets. Many kinds of mobile contents services are rapidly growing with the combination of internet application services. Payment method algorithms are demanded for the stable transaction between producer and consumer. Security protocol algorithms are widely adapted for mobile Platform terminals. In this Paper, we described security mechanism for the current wireless internet services and compared with the performance result. There are security protocols that based on java machine platform or WAP protocols. The system is based on J2ME technology for the java mobile platform. Based on this technology, a security system is proposed for the service of mobile commerce electronic payment. The system is designed for the stability of transaction so that it enables to apply into many kinds of internet payment system.

• Asia-Pacific Journal of Business
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• v.9 no.2
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• pp.123-136
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• 2018

The purpose of this study is to investigate the effects of six factors (accuracy, perceived usefulness, perceived ease of use, security, instant accessibility, and ease of use) on re-use intention; and then to help to establish future marketing strategy. In order to achieve the study's objectives, this study conducted an online questionnaire on the Internet, Wenjuanxing. The total of 270 copies through APP-Wechat (Wicket), and 245 were used for analysis. For statistical processing, SPSS22.0 is used to analyze the influence relationship amongst factors for mobile tourism information service, a variety of analysis, such as factor analysis, reliability analysis, mass regression analysis, simple regression analysis were employed. The results of this study are summarized as follows. As a result of analyzing the factors affecting the satisfaction of consumers using chinese Ctrip mobile app, the perceived usefulness and perceived ease of use of mobile tourism information service attributes have a significant effect on user satisfaction. The accuracy of mobile information service were found to have no significant effect on satisfaction. The security, immediacy of access, and usability of the payment service of mobile APP were found to have a significant effect on satisfaction. And customer satisfaction has a significant effect on re-use intention.

• Proceedings of the IEEK Conference
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• 2004.08c
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• pp.592-595
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• 2004

Recently the numbers of patent about the technology for mobile payment with Ie or bluetooth-chip are being increased more and more. The reasons of patent increment for mobile payment are advancement of wireless internet technology and rising of customer's request for it. The customer wants to be able to pay for purchase, tax and aid with own mobile phone. So every mobile service provider applies for patents about that competitively. And in the near future the biometrics is generalized in the mobile payment system. Especially the payment service of iris recognition is significant technique in this area for the future prospect. The biometrics of iris is an accurate authentication method because it has about 250 distinguish parameters to the finger print's 30. The biometrics of iris can recognize and identify a person for 2 seconds. But the image of iris is changed by transformation of body in the life. And the existing iris authentication system has problem that can be miss-recognized. In this paper, we propose the new method that reduces miss-recognizing rate with Renewable Iris Authentication Algorithm(RIAA) in mobile system.

• International Journal of Contents
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• v.15 no.4
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• pp.82-88
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• 2019

The purpose of this study was to investigate the key factors that influence consumers' preference for mobile payment in China. China has been quietly experiencing a third technological revolution that has markedly changed the way of life for its people. We used the structural equation modeling with 573 Chinese people to investigate the mobile-payment system in China based on the technology acceptance model. We found that factors such as value of service, security, convenience, and perceived usefulness have an impact on consumer satisfaction, and that satisfaction supports consumer purchasing. Also, it is possible to conclude that this proven instrument will assist researchers to further develop and refine mobile-payment research models.

• Journal of Convergence Society for SMB
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• v.5 no.2
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• pp.7-13
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• 2015

Recently, payment methods using smartphone are diverse with the increased usage of smartphone. Especially, new features of mobile payment service are required in the situation to provide more services than mobile service of non-financial corporations. This paper proposed response and plan of current banks for mobile payments of non-financial corporations. Proposed method analyzes response and plan of the existing countermeasures of banks due to the spread of mobile devices, the development of FinTech, and the diversification of mobile payment in recent years. And, proposed paper additionally suggests the countermeasures of the financial sector for the reduction of fee income caused by the non-financial payment services. Also, this paper analyzes the mobile payment field and the method of non-financial corporations, which is the threat to the existing banks, and describes the countermeasure.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.11 no.2
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• pp.1180-1200
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• 2017

Currently, automated payment services provide intuitive user interfaces by adapting various wireless communication devices with mobile services. For example, companies like Samsung, Google, and Apple have selected the NFC payment method to service payments of existing credit cards. An electronic payment standard has been released for NFC activation within Korea and will strengthen the safety of payment service communications. However, there are various security risks regarding the NFC-based electronic payment method. In particular, the NFC payment service using the recently released lightweight devices cannot provide the cryptographic strength that is supported by many financial transaction services. This is largely due to its computational complexity and large storage resource requirements. The chaotic map introduced in this study can generate a highly complicated code as it is sensitive to the initial conditions. As the lightweight study using the chaotic map has been actively carried out in recent years, associated authentication techniques of the lightweight environment have been released. If applied with a chaotic map, a high level of cryptographic strength can be achieved that can provide more functions than simple XOR operations or HASH functions. Further, this technique can be used by financial transaction services. This study proposes a mutual authentication technique for NFC-PCM to support an NFC payment service environment based on the chaotic map.

• International Journal of Internet, Broadcasting and Communication
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• v.8 no.1
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• pp.7-18
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• 2016

Several authentication methods have been developed to make use of tokens in the mobile networks and smart payment systems. Token used in smart payment system is genearated in place of Primary Account Number. The use of token in each payment transaction is advantageous because the token authentication prevents enemy from intercepting credit card number over the network. Existing token authentication methods work together with the cryptogram, which is computed using the shared key that is provisioned by the token service provider. Long lifetime and repeated use of shared key cause potential brawback related to its vulnerability against the brute-force attack. This paper proposes a per-transaction shared key mechanism, where the per-transaction key is agreed between the mobile device and token service provider for each smart payment transaction. From server viewpoint, per-transaction key list is easy to handle because the per-transaction key has short lifetime below a couple of seconds and the server does not need to maintain the state for the mobile device. We analyze the optimum size of the per-transaction shared key which satisfy the requirements for transaction latency and security strength for secure payment transactions.

• Journal of Distribution Science
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• v.18 no.3
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• pp.53-65
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• 2020

Purpose: This study tests the suitability of a new technology acceptance model for a mobile payment system by checking how statistically significant the change is from the UTAUT (Unified Theory of Acceptance and Use of Technology) and UTAUT 2 models. Research, Data, and Methodology: We surveyed 250 students at Incheon University who are using the mobile payment system. The analysis was conducted on 243 valid questionnaires. The survey was conducted for one month in October 2018. The collected data were analyzed using SPSS and hierarchical regression analysis was applied. Results: Using hierarchical regression analysis, this study confirmed whether the newly added hedonic motivation, switching cost, and perceived risk variables in the UTAUT2 model are good explanatory variables. Mobile payment usage experience was found to have a moderating effect on mobile payment reuse intention. According to the analysis, the UTAUT2 model brought about more influential change than the variables of the UTAUT model. Conclusions: This study found that consumers' psychological factors added in the UTAUT2 model greatly influenced the reuse intention for mobile payment. As an implication of this study, mobile payment providers need to develop strategies that could meet hedonic motivation, switching cost and perceived risk for their customers.

• Journal of Internet Computing and Services
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• v.21 no.5
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• pp.87-95
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• 2020

Highly competitive environment has been forcing e-commerce industries to seek strategies to achieve competitive advantages. Mobile payment is a kind of service that allows mobile phone user to easily and conveniently initiate payments and transfer funds using their mobile phone anytime, and anywhere. This study is designed to identify factors that affect the intention of continued use of mobile payment services between users in Korea and Laos. As a result, first, in the case of Korean consumers, system quality, information quality and service quality were shown to have a positive effect on trust and satisfaction. In addition, trust and satisfaction were shown to have a positive effect on continuance intention. Second, in the case of Laotian consumers, system quality and service quality were shown to have a positive effect on trust, and system quality and information quality were shown to have a positive effect on satisfaction. In addition, trust and satisfaction were shown to have a positive effect on continuance intention. The study has its implications by analyzing factors affecting the continuance intention with the comparison of the customers from a developed nation and a developing nation, providing a direction of development for developing competitive advantages for those in development. For the developed, the study provides a guideline of what to modify and supplement in cases of entering the markets of developing nations.