• Journal of the Korea Institute of Information Security & Cryptology
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• v.13 no.6
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• pp.113-119
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• 2003

In WISA 2002, Ham et al. proposed a one-way mobile payment system. They claimed that the electronic cash of the system satisfies unforgeability and double spending prevention. In this paper, we point out that their system is not secure as they claimed by showing that the forgery of payment scripts is possible.

• Journal of Convergence Society for SMB
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• v.5 no.2
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• pp.33-38
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• 2015

The damage to the security is increasing as public key-based ISP secure payment service is used in online banking payment system. Security technology aspect to ISP secure payment security has no special problems. But, security damage that occurs due to the simplicity of the payment system is a problem. In this paper, we propose response and plan for ISP secure payment service to minimize the damage that occurs due to the simplicity of a security settlement system. Proposed scheme is applicable to various billing systems such as secure payments, online payment, mobile payment, credit card. Proposed scheme is characterized in that can stably support the capabilities of the new billing system. Also, proposed scheme is to analyze the various security threats arising from the payment of the financial services and to describe response and plan technology.

• Journal of the Korea Society of Computer and Information
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• v.28 no.4
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• pp.143-150
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• 2023

As the use of mobile devices such as PDAs and smart-phones increases, the Mobile Payment System(MPS) is widely used as a new payment method. Accordingly, domestic and foreign MPS users can conveniently purchase or use the products and services they want, free from the constraints of time and space. In this situation, the study was to investigate how the perception of MPS value varies depending on the characteristics of MPS users(demographic characteristics, MPS usage characteristics), and to analyze whether the perception of MPS value ultimately has a significant effect on user satisfaction. To accomplish these research purposes, the study conducted a statistical analysis using a questionnaire for people with experience using MPS in Korea. The analysis results of the study could be useful in seeking ways to successfully spread of MPS at home and abroad and improve user satisfaction in the future.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.17 no.5
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• pp.1471-1483
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• 2023

One of the fastest-growing mobile services accessible today is mobile payments. For the safety of this service, the Near Field Communication (NFC) technology is used. However, NFC standard protocol has prioritized transmission rate over authentication feature due to the proximity of communicated devices. Unfortunately, an adversary can exploit this vulnerability with an antenna that can eavesdrop or alter the exchanged messages between NFC-enabled devices. Many researchers have proposed authentication methods for NFC connections to mitigate this challenge. However, the security and privacy of payment transactions remain insufficient. We offer a privacy-preserving, anonymity-based, safe, and efficient authentication protocol to protect users from tracking and replay attacks to guarantee secure transactions. To improve transaction security and, more importantly, to make our protocol lightweight while ensuring privacy, the proposed protocol employs a secure offline session key generation mechanism. Formal security verification is performed to assess the proposed protocol's security strength. When comparing the performance of current protocols, the suggested protocol outperforms the others.

• Journal of Korea Multimedia Society
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• v.5 no.3
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• pp.298-306
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• 2002

As the mobile communication related services are becoming popular, the payment issues on charging for the content services are getting more and more attention. Many contents providers are having difficulties for correctly charging services they provide, because they do not have appropriate payment systems yet. There are also the privacy protection issues, security problems that arise during transactions, and the authentication issues for both the user and the business, to be taken care of. In this paper, the billing system in the mobile internet environment will be discussed. Topics related to the key distribution for exchanging data, and the authentication mechanism for communications will be discussed. Based on this, a trustworthy billing system will be proposed.

• Informatization Policy
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• v.22 no.4
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• pp.22-44
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• 2015

With the growing interest being reflected in the FinTech industry, much attention has been paid to mobile easy payment services as well. In the era of mobile commerce, the core advantage of using mobile easy payment services(simplifying complex payment procedures and thus facilitating user convenience and reducing the chance of giving up payment) are being more emphasized. Mobile easy payment service market not only includes mobile easy payment service providers but also users, non-users, affiliates, banks, and credit card companies as main stakeholders. Exploring those stakeholders is thus important to thoroughly understand such market. However, extant literature on mobile easy payment services mostly focuses on examining adoption intention of users or non-users. This study, an exploratory research based on interviews, thus aims to extract driving as well as inhibiting factors of mobile easy payment service use from six different perspectives (i.e., social platform, bank, credit card company, affiliate, user, and non-user) and analyze a sequence of cause and effect for each factor. For this, the causal loop diagram was developed to deduce key issues and propose an alternative. Theoretical and practical implications of this study will also be discussed.

• Journal of Korea Society of Digital Industry and Information Management
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• v.15 no.4
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• pp.51-62
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• 2019

Recently, as the number of Smart Phone users increase, the simple payment system has been able to make payments using only card information such as a registered password without extra authorized certificate authentication or input of card information. In this paper, it will examine and analyze simple payment system provided by IT companies and financial institutions and the simple payment system that operates global online payment system by case view of operational direction. Then with this examination, it will study ways to improve the problems with terms of convenience and stability in terms of users. In this paper, it will analyze the inconvenient problem in using the QR code system that recently introduced and will propose solutions. Also, it will propose suggestions to solve inconvenience that caused by system that supports NFC simple payment terminal in Korea is not universalize by analyze case study on the overseas simple payment system. It will also propose opinions on the matters that customer having responsible for event of a small financial accident related to loss or theft when using the simple payment system. Then it will suggest expected requirements to prepare new security technical countermeasures and solve the conditions of meeting expectation satisfaction of users.

• Journal of Korea Multimedia Society
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• v.7 no.11
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• pp.1610-1619
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• 2004

While researches and studies on short distance wireless communications have been actively carried out, studies on many applications of short distance wireless communications focusing on user-oriented Mobile device are also in progress. Since Bluetooth has several advantages that existing short distance communication does not have, studies on standardization have been carried out focusing on SIG, and IEEE has also jointly studied on this. Bluetooth is a short distance wireless communication technology that can be usefully applied to various kinds of applications. In this regard, this thesis presents payment system using Bluetooth, out of several application technologies of Bluetooth. This payment system is based on the scenario in which secure piconet is formed focusing on the user, the user gets in the car, fill up the gas at the gas station using his own Mobile device and pay The secure payment system presented in this thesis is designed to complement the weakness of existing Bluetooth in terms of security and to secure several requirements of security required for payment using short distance wireless communication.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.12
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• pp.385-388
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• 2020

At present, the payment system in Thailand changes from a paper-based system to a cashless payment system. A coin has its two sides, so the cashless payment has its advantages and disadvantages. This article describes the general advantages and disadvantages of a cashless society in Thailand in the COVID-19 situation. The cashless payment in Thailand consists of credit cards, automated teller machines, direct debit, mobile/Internet banking, e-Wallet, PromptPay, and QR code. The cashless payment is able to assist the government for tax collection accuracy and facilitates users to make financial transactions more transparent and efficient. In addition, the cashless system provides benefits to businesses in which they are able to increase sales and expand business by providing convenient, safe and faster services to customers in making payment for goods/services. It assists businesses to save time and cost of cash management and reduce the paperwork. The cashless payment made the life of students, housewives, and elderly people very easy to carry out financial transactions and there is no need to meet the financial institution staff. This payment system needs advanced technology system skills, a smartphone, and a technology facility. Finally, the cashless payment can reduce the spreading of COVID-19.

• Journal of the Korea Society of Computer and Information
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• v.21 no.2
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• pp.61-69
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• 2016

In this paper, we propose the authentication server system that prevent hacking in In-app billing applications. And we also propose the methods to verify electronic receipt for the payment of internal app payments and to check the integrity of the applications. Then we designed the payment metabolic system that checks between products-offer list and paid subscription if payment system is hacked with new hacking technologies different from existing ones. And then we implemented proposed authentication system and experimented with about 10,000 average internal application payments per an hour. It shows that proposed system has defensive techniques that counter attacks against in-app billing but it takes more than 0.8916 seconds than no-certification system that is considered as relatively short time.