• Title/Summary/Keyword: Mobile payment platform

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A Probabilistic Test based Detection Scheme against Automated Attacks on Android In-app Billing Service

  • Kim, Heeyoul
    • KSII Transactions on Internet and Information Systems (TIIS)
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    • v.13 no.3
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    • pp.1659-1673
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    • 2019
  • Android platform provides In-app Billing service for purchasing valuable items inside mobile applications. However, it has become a major target for attackers to achieve valuable items without actual payment. Especially, application developers suffer from automated attacks targeting all the applications in the device, not a specific application. In this paper, we propose a novel scheme detecting automated attacks with probabilistic tests. The scheme tests the signature verification method in a non-deterministic way, and if the method was replaced by the automated attack, the scheme detects it with very high probability. Both the analysis and the experiment result show that the developers can prevent their applications from automated attacks securely and efficiently by using of the proposed scheme.

A proposal for improvement of the business supporting poorly-fed children using mobile payment and information delivery platform (모바일 결제 및 정보제공 플랫폼을 활용한 결식아동 급식지원 사업 개선 제안)

  • Jeon, Hyun Ji
    • Proceedings of the Korea Information Processing Society Conference
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    • 2020.05a
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    • pp.37-40
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    • 2020
  • 결식아동 급식지원 사업은 소년소녀 가장 등 결식우려가 있는 미성년 아동/청소년에게 꿈나무 카드를 활용하여 급식을 지원하는 사업이다. 여기서 꿈나무 카드란, 학교 바깥에서 급식에 준하는 식사를 할 수 있도록 서울시에서 발급하는 결식아동용 카드로 2017년 기준 317,234명이 사용하고 있다. 그러나 잔액조회 기능 등이 없어 사용이 불편하고, 카드 사용에 대한 사람들의 시선으로 아동/청소년이 카드 사용을 꺼려 하고 있다. 또한 카드 사용이 가능한 가맹점 정보의 미제공으로 카드 이용이 활성화되지 않고 있어, 이에 대한 개선으로 모바일 결제와 가맹점 정보를 제공하는 플랫폼 개발을 제안하게 되었다. 따라서, 본 논문에서는 저자가 실제 개발하여 테스트 중인 모바일 결제와 가맹점 정보제공 서비스, 향후 제로 페이 연동에 대한 기술 검토 내용, 관리자 계정/시스템 구축을 통해 원활한 정보처리를 제안한다. 향후 연구 과제인 지자체별 결식아동 카드와의 통합을 제안하기 위해 플랫폼 개념을 기능 구성도에 반영하였다.

A Study on Zero Pay Image Recognition Using Big Data Analysis

  • Kim, Myung-He;Ryu, Ki-Hwan
    • International Journal of Internet, Broadcasting and Communication
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    • v.14 no.3
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    • pp.193-204
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    • 2022
  • The 2018 Seoul Zero Pay is a policy actively promoted by the government as an economic stimulus package for small business owners and the self-employed who are experiencing economic depression due to COVID-19. However, the controversy over the effectiveness of Zero Pay continues even after two years have passed since the implementation of the policy. Zero Pay is a joint QR code mobile payment service introduced by the government, Seoul city, financial companies, and private simple payment providers to reduce the burden of card merchant fees for small business owners and self-employed people who are experiencing economic difficulties due to the economic downturn., it was attempted in the direction of economic revitalization for the return of alleyways[1]. Therefore, this study intends to draw implications for improvement measures so that the ongoing zero-pay can be further activated and the economy can be settled normally. The analysis results of this study are as follows. First, it shows the effect of increasing the income of small business owners by inducing consumption in alleyways through the economic revitalization policy of Zero Pay. Second, the issuance and distribution of Zero Pay helps to revitalize the local economy and contribute to the establishment of a virtuous cycle system. Third, stable operation is being realized by the introduction of blockchain technology to the Zero Pay platform. In terms of academic significance, the direction of Zero Pay's policies and systems was able to identify changes in the use of Zero Pay through big data analysis. The implementation of the zero-pay policy is in its infancy, and there are limitations in factors for examining the consumer image perception of zero-pay as there are insufficient prior studies. Therefore, continuous follow-up research on Zero Pay should be conducted.

Exploratory Study on Purchasing Fashion Products from Small Business Owners -Focusing on the Consumer Life Cycle and Purchasing Stage- (패션 소상공인 제품 구매에 대한 탐색적 연구 -소비자 생애주기와 구매단계를 중심으로-)

  • Kim, Songmee;Jang, Seyoon;Lee, Yuri;Jin, Woojune;Kim, Ha Youn
    • Journal of the Korean Society of Clothing and Textiles
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    • v.46 no.5
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    • pp.805-826
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    • 2022
  • This study explored the process by which consumers purchase products from small fashion business owners via online and mobile channels. In addition, group types were classified given that the purchasing process depends on the consumers' life cycle. The consumer focus group interview (FGI) was conducted on 18 participants that were divided into six groups by age, work, and children. Results revealed that first, consumer journey comprised four stages. Factors influencing need recognition were "attention to information of social media influencer," "attention to information of affiliated groups," and "repeated advertising of SME products/brands." For information searching, "exploring purchase reviews," "environment for mobile shopping information exploration," and "continuous product tracking" were important factors. Purchasing and shopping stages were affected by "price-free, improvised purchase decision" and "convenient mobile payment system and point benefits." After the purchase, "active sharing and repeated purchase when satisfied" and "blocking relationships when dissatisfied" occurred. Second, six consumer groups based on the fashion life cycle are the "Platform lover," "Influencer follower," "Trust builder," "Novelty seeker," "Convenience seeker," and "New designer supporter." Ultimately, small business owners can develop the process of planning and selling fashion products more efficiently.

Development of User Subscription Services in E-Commerce: Effects on Consumer Behavior

  • Irina Gladilina;Gennady Degtev;Evgeniy Kochetkov;Elena Tretyak;Diana Stepanova;Lyailya Mutaliyeva
    • International Journal of Computer Science & Network Security
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    • v.23 no.11
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    • pp.53-58
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    • 2023
  • The trend of satisfying consumer needs (payment for mobile communication, music services, cab ordering, banking products, and food delivery) on a unified online platform has shaped a digital ecosystem, an instrument creating a unified space of economic interaction. Representatives of e-commerce are major stakeholders in the development of such tools. In particular, subscription services (multiservice subscriptions) allow users to create their own ecosystems based on their personal preferences. The rate of subscription service use is growing around the world, yet understanding of the peculiarities of development of this e-commerce sphere is limited due to insufficient research.The study aims to determine the motives and barriers to the use of subscription services (multiservice subscriptions) by consumers and their relationship with consumer characteristics.Proceeding from an online survey of 200 users, the study determines the relationship between the gender and income of consumers and their use of subscription services, motives and motivators for using subscription services, and barriers to the choice of a particular subscription service. The obtained results may serve as a basis for managerial decisions in e-commerce and for improving the effectiveness of marketing solutions.

Research on WINC expansion numbers to improve the accessibility of mobile web service (모바일 웹 서비스 접근성 향상을 위한 WINC 확장 번호에 대한 연구)

  • Sim, Keun-Ho;Ko, He-Eae;Kim, Jong-Keun;Zhao, Meihua;Lim, Young-Hwan
    • Journal of Digital Contents Society
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    • v.12 no.1
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    • pp.23-32
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    • 2011
  • For the past few years, unlike wireless widespread United States and Japan, expensive cost and platform of the mobile web carrier underground and self-centered made achievement of domestic mobile web market sluggish. Nowadays, more and more people pay attention to the mobile web service because of the increased quality of wireless internet, development of mobile device and variety of the flat-rate payment system. However, another big problem is that mobile web is too hard to use. Also, the poor content of mobile web service is an extremely serious problem. In this paper, we put forward a new method for easy to access mobile web service which is use WINC expansion numbers and users can use these numbers to shit their own website. Along with the benefits of purchase WINC number general users are able to make website and control their website at less time and energy.

A Study on convergence of Mobile Smart Commerce and O2O Distributions Business Model for Small to Medium and Micro-Enterprises (중소·소상공인을 위한 모바일 스마트커머스 및 O2O 유통 비즈니스모델 융합 연구)

  • Kim, Byung-Wan
    • Journal of the Korea Convergence Society
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    • v.7 no.5
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    • pp.161-167
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    • 2016
  • Distribution channels are changing its industry paradigm from quantitative increase to qualitative improvement. In addition, it incorporates new characteristics and consumption tread of customers and the core value of service is developing focused around on online to offline (O2O) business model of omnichannel. In this respect, companies are integrating various distribution channels and in order to provide high content business service to customers, their interest in finding a new business strategy is increasing. Currently, most of the service being provided to customers are formed based on distribution structure centered around big companies and financial industry and the problems faced by small to medium and micro enterprises, which are expansion and improvement of channels, discovery of new distribution channels and finding O2O marketing strategy, can be said as very important task. Accordingly, this research purports to create added values which can serve as the driving force of growth of "creative economy" by improving distribution channels in which anyone who incorporates needs of smart consumers can enter into the smart commerce market and to further form sustainable win-win market that is strategic through business platforms for small to medium and micro enterprises therefrom.

Technology Trends, Research and Design of AIM Framework for Authentication Information Management (인증 정보 관리를 위한 기술 동향과 AIM 프레임워크 연구 및 설계)

  • Kim, Hyun-Joong;Cha, Byung-Rae;Pan, Sung-Bum
    • Journal of Digital Convergence
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    • v.14 no.7
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    • pp.373-383
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    • 2016
  • With mobile-epoch and emerging of Fin-tech, Bio-recognition technology utilizing bio-information in secure method has spread. Specially, In order to change convenient payment services and transportation cards, the combination of biometrics and mobile services are being expanded. The basic concept of authentication such as access control, IA&A, OpenID, OAuth 1.0a, SSO, and Biometrics techniques are investigated, and the protocol stack for security API platform, FIDO, SCIM, OAuth 2.0, JSON Identity Suite, Keystone of OpenStack, Cloud-based SSO, and AIM Agent are described detailed in aspect of application of AIM. The authentication technology in domestic and foreign will accelerate technology development and research of standardization centered in the federated FIDO Universal Authentication Framework(UAF) and Universal 2 Factor Framework(U2F). To accommodate the changing needs of the social computing paradigm recently in this paper, the trends of various authentication technology, and design and function of AIM framework was defined.

A Study on the Supply of First/Last Mile Transportation Methods Based on ABATA Travel Patterns Analysis for the Provision of MaaS (MaaS 제공을 위한 ABATA 통행 분석 기반의 First/Last Mile 이동 수단 공급 방안 연구)

  • Choi, Jaeon;Song, Jaein;Kang, Min Hee;Eom, Jinki;Hwang, Kee Yeon
    • The Journal of The Korea Institute of Intelligent Transport Systems
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    • v.21 no.1
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    • pp.159-181
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    • 2022
  • Today, people in cities use differentthe types of transportation that rangepeople use in cities have diversified from existing public transportation, cars, taxis to shared bicycles and shared electric kickboards. In addition, with the development of mobile platform -based search, order, and payment services, and transportation services have also begun to change into platform-based integrated services. In particular, MaaS, which has emerged as an integrated mobile service and, is currently being studied and operated worldwide., However, MaaS but remains at the level of the integrated provision of the existing public transportation. As a result of Specifically, the results of a literature review on this issue reveal that, the First/Last Mile problem raised at the current level of MaaS is likely to be solved by establishing an improved policy incorporating new means of transportation. Therefore, this study aims to establish a First/Last Mile transportation supply plan for successful MaaS provision. This establishment is realized by analyzing the traffic patterns of urban populations usingbased on the ABATA system,, an activity-based traffic analysis model withevaluated as having higher analysis power on people's traffic.

Design and Implementation of User Authentication Protocol for Wireless Devices based on Java Card (자바카드 기반 무선단말기용 사용자 인증 프로토콜의 설계 및 구현)

  • Lee, Ju-Hwa;Seol, Kyoung-Su;Jung, Min-Soo
    • The KIPS Transactions:PartC
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    • v.10C no.5
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    • pp.585-594
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    • 2003
  • Java card is one of promising smart card platform with java technology. Java card defines necessary packages and classes for Embedded device that have small memory such as smart card Jana card is compatible with EMV that is Industry specification standard and ISO-7816 that is international standard. However, Java card is not offers user authentication protocol. In this paper, We design and implement an user authentication protocol applicable wireless devices based on Java Card using standard 3GPP Specification (SMS), Java Card Specification (APDU), Cryptography and so on. Our Java Card user authentication techniques can possibly be applied to the area of M-Commerce, Wireless Security, E-Payment System, Mobile Internet, Global Position Service, Ubiquitous Computing and so on.