• Journal of Korean Society for Quality Management
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• v.46 no.3
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• pp.625-640
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• 2018

Purpose: The scale of a market of mobile payment which was insignificant is explosively being improved by development of various communications technology and achieving rapid diffusion of smart phone. According to this phenomenon, new method of financial dealings through a mobile can be seen as a new paradigm that leads to a change of existing payment work and also recognized as an innovation of information technology. Methods: but a study regarding whether the use of mobile payment service takes an important role as an influencial factor is still insufficient. This study was based on the model of innovation resistance by Ram(1987) and established a hypothesis and a model to confirm how four factors (usability, security, economic feasibility, responsiveness) influence to innovation resistance and the intention of discontinuous use. Results: usability, security were found to be significant predictor variables of innovation resistance to use mobile payment system, but economic feasibility, responsiveness were not found to be significant predictor variables. Conclusion: Providing gave a theoretical foundation for future research in that it presents the variables to consider new forms of mobile payment services, the mobile payment services will need to show a differentiated strategy and traditional marketing strategy.

• Journal of Digital Convergence
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• v.4 no.2
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• pp.127-142
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• 2006

This paper uses a Mobilans case based on software system to derive the results of our study. Recently, the mobile phone payment entered its matured stage and became most frequently used payment method in all internet sites. And, in order to prepare for the future ubiquitous market, every mobile phone payment methods has different speed of development, market status and target segments in the market. This paper also discusses about the background and current status of Korean mobile phone payment market using SMS(Short Message Service) to purchase items on internet which is growing sharply every year. Also, we try find the key factors to succeed in this growing market. In addition to safety, delayed payment and the immediateness for use of mobile phone, we also suggest that a highly developed hardware system is an additional factor under the increased demands for the convenience with various applications.

• Proceedings of the Korean Society of Computer Information Conference
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• 2020.01a
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• pp.105-106
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• 2020

This study is to find out how Korean teenagers think about mobile payment system. In the case of mobile payment using such a smartphone, a simple payment service is currently being implemented in Korea through deregulation of Active X and public certificates at the government level to provide users with more convenient financial services. This study conducted a pilot test to find out what they think about mobile payment service for high school students in Busan. As a result, Korean teenagers, especially high school students, responded very positively to the mobile payment service.

• Journal of Information Technology Services
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• v.16 no.4
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• pp.33-46
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• 2017

Increasing popularity of smartphone is creating many changes in payment market sector also. The new fin-tech and simple mobile payment service have provided convenience as well as various benefits and value-added services to create new payment culture. However, the infrastructure of offline shops is too poor for users to use the simple mobile payment services in Korea. There are several reasons why the support of simple mobile payment services by offline shops has reached the limit in Korea. They include the reluctance of shop owners due to highly priced devices, the failure of NFC of the leading offline payment infrastructure to support iOS, the services that are biased to the specific manufacturers and smartphones (Samsung Pay and LG Pay), prefer large shops (SSG Pay and L PAY), and focus on online transactions. This study used the Bluetooth technology that is the standard feature built in all smartphone to expand the offline shops that accept the simple mobile payment services ensuring universality and scalability from the convenience of customer's and service provider's aspects. Applying the same payment scene as the existing NFC payment method from the user's aspect and the Bluetooth technology from the service provider's aspect enables support of all smartphones and offering value-added services such as electronic receipt and promotions through the large-capacity bidirectional data transfer. This study is intended to review the simple mobile payment services in Korea and other countries, propose the simple mobile payment service model for Korea by analyzing the Bluetooth technology and preceding studies of payment services using BLE technology, and develop the pilot system using the BLE technology to verify the proposed system with actual shops.

• The Journal of the Korea institute of electronic communication sciences
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• v.15 no.6
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• pp.1031-1036
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• 2020

Untact marketing emerged as one of the top 10 marketing in 2018. Since then, the scale of the mobile payment market has expanded, and the ratio of payment through mobile is melting into life even offline. Various mobile apps such as Samsung Pay and Smart Order are already popular systems, and various other mobile payment systems are increasing. For such mobile payments, this paper aims to comprehensively design a general-purpose untouched offline payment system by designing a mobile payment system that applies a short-range wireless communication method along with a study on the currently available mobile payment-linked API. We propose an offline payment system with an untouch method to prevent the spread of infectious diseases and contribute to a healthy society by solving the problem and minimizing contact with others in the current situation like the Corona 19 Incident.

• 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 Korea Multimedia Society
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• v.13 no.11
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• pp.1687-1697
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• 2010

The USIM-based AKA authentication process is essential to a mobile payment system on smart phone environment. In this paper a payment protocol and an AKA module are designed for mobile payment system which is suitable for openness smart phone environment. The payment protocol designs the cross authentication among components of the mobile payment system to improve the reliability of the components. The AKA module of mobile payment system based on 3GPP-AKA protocol prevents the exposure of IMSI by creating the SSK(Shared Secure Key) through advance registration and solves the SQN(SeQuence Number) synchronization problem by using timestamp. Also, by using the SSK instead of authentication vector between SN and authentication center, the existing bandwidth $(688{\times}N){\times}R$ bit between them is reduced to $320{\times}R$ bit or $368{\times}R$ bit. It creates CK and IK which are message encryption key by using OT-SSK(One-Time SSK) between MS and SN. In addition, creating the new OT-SSK whenever MS is connected to SN, it prevents the data replay attack.

• Journal of KIISE:Information Networking
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• v.37 no.2
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• pp.135-141
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• 2010

Mobile payment system has many problems in real mobile payment networks because of the characteristics of mobile device and the security of mobile payment process. Specially, the previous suggested mobile payment protocol can not verify a trust of issuing bank. Therefore, this paper has analyzed the efficiency of a mobile payment with a delegating authority for an issuing bank to trust issuing bank. As a result, the mobile payment protocol with a delegating authority for a payment verification of an issuing bank has improved the time complexities for key computation and communication resilience.

• Journal of Multimedia Information System
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• v.3 no.2
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• pp.13-20
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• 2016

Biometric authentication for account-based mobile payment continues to gain attention because of improvements on sensors that can collect biometric information. We propose an enhanced method for mobile payment security based on biometric authentication. In this mobile payment system, the communication between the user and the relying party is based on public key infrastructure. This method secures both the key and the biometric template in the user side using fuzzy vault biometric cryptosystems, which is based on non-random chaff point generator. In this paper, we consider an important process for the common fuzzy vault system, that is, the feature extraction method. We evaluate various feature extraction methods to enhance the accurate performance of the system.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.10 no.6
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• pp.1237-1244
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• 2009

In this paper, we proposed a mobile phone payment system using light signal containing payment related information. The digicard system we proposed creates virtual mobile card such as credit numbers and the created information is loaded in mobile phone. The virtual card information should be changed to pulse signal by light signal devices of mobile phone and the specific digicard system reader is able to read light signal. In recent years, a mobile phone payment system has been developed in order to provide user's convenience. But the mobile phone payment system has problems such as the production costs and complex and large size. In order to solve the aforementioned problems, we proposed mobile phone payment system being implemented by updating software without additional hardware modules. Therefore it is possible to apply the proposed digicard system to all kinds of mobile phone. Also encryption module is implemented to solve the problem of the security and privacy. According to an aspect of the present invention, there is provided a mobile phone payment system using a light signal containing payment-related information, comprising: a mobile phone; a photo receiver: and a control server.