• Journal of Convergence for Information Technology
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• v.10 no.11
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• pp.47-54
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• 2020

This study proposes an NFC-based payment system that considers user convenience while expanding the existing payment method for RFID-based individual food and logistics waste equipment. In line with this trend, I proposed to apply NFC to the existing RFID-based food meter to release the food in the meantime and to address the problem of re-carrying due to card loss, card not possessed, and non-filling, and the question that could not be identified by various cumbersome procedures. NFC's function alone has been certified for its convenience, which led to its introduction and research in the period of time. Of course, we need to negotiate fees with the transportation card company, but if we see a market share related to transportation card soon, we think smooth negotiations will take place. NFC method will be expanded to all phones with iPhone NFC opening. Therefore, in the next study, we intend to apply the payment system in NFC by linking with local currency, mobile vouchers, and card companies, which are being paid as respective payment means according to the recent emergency support system for COVID-19.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.1
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• pp.353-361
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• 2021

The aim of this research is to understand and analyze the ways in which the current digital financial technology is impacting on the financial payment system provided by most of the commercial banks in Indonesia. This research analyzes the variables such as perceived ease-of-use, perceived usefulness, and perceived value on customer's intention to use in relation to the variable of trust as the intervening variable. The data collection is done through distribution of questionnaire; the population of this research consisted of the commercial banking customers located in Jakarta, Indonesia. The sample determination is done through Purposive Sampling and the analysis technique is using Partial Least Square (PLS). The results show that perceived ease-of-use, perceived usefulness, and perceived value have positive and significant effect on intention to use the mobile banking system; perceived usefulness of the application has the most significant influence on intention to use compare to the perceived of ease-of-use and perceived value of the mobile banking system. The results also indicate that, even though the mobile banking system has offered several benefits to the customer, yet it was not actively used by the banking customer compared to other commercial bank's mobile banking system in Indonesia.

• Asia-Pacific Journal of Business
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• v.9 no.4
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• pp.49-65
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• 2018

This paper illustrates the competition between the mobile pay and credit card systems by utilizing the theory of two-sided markets. Two firms, as platforms, maximize the profit collecting fees from consumers on one side and from retailers on the other side. Consumers pay to buy goods and services with mobile pay, credit card, or cash. The basic model is one that each platform maximizes its profit. We show that the fees for credit card holders and retailers are higher than the respective costs. The fee for retailers of the mobile payment is higher than its cost, while the buyer's fee may be higher or lower than its cost. Applied model is the one that employs the delegation game model. The total profit of the mobile pay system is composed of its profit and the weighted demand for the mobile pay. It is shown that buyers' fee under the applied model is lower than that under the basic model, resulting in an increase of the demand for the mobile pay. The fee for the retailers rises, albeit the sum of fees for the buyers and retailers falls. The profit for the mobile pay system is increased, while that for the credit card company stays the same.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.14 no.6
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• pp.91-101
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• 2019

Tourism or travel business consists of a set of services for people who visit exotic places. Payment is usually marking the end of the series of activities relating to tourism, and it becomes the linkage for the next activity. With the recent advancement of mobile Fintech technologies, we have learned that more convenient and more secure financial transactions are improving the quality of tourism. It should be noted that tourism counts on information technology heavily in terms of mobile Internet and smart devices use, which yields to a wide business opportunities for Fintech startups. However, payment information has not been highlighted for additional marketing promotion activities. The lack of research into information technology-based business models that extend Fintech services related to payment in venture start-up studies hinders the understanding of the possibility of creating new business through the value creation process after payment. This study attempts to investigate this issue based on the theory of smart tourism and service-dominant logic with developing a new information system. More specifically, marketing promotion activities after payment for Chinese tourists visiting Korea are examined. Specifically, WeChat Pay and instant tax refund service were considered while the system was developed by following desing science research methodology. This study is meaningful in that it finds a new possibility of Fintech business model by applying scientific and academic methods, and it reminds the necessity of service automation system centered on instant tax refund.

• Journal of Information Technology Services
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• v.17 no.1
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• pp.155-170
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• 2018

This study examines a data-driven approach for software test automation at an online shopping site. Online shopping sites typically change prices dynamically, offer various discounts or coupons, and provide diverse delivery and payment options such as electronic fund transfer, credit cards, mobile payments (KakaoPay, NaverPay, SyrupPay, ApplePay, SamsungPay, etc.) and so on. As a result, they have to test numerous combinations of possible customer choices continuously and repetitively. The total number of test cases is almost 584 billion. This requires somehow automation of tests in settling payments. However, the record playback approach has difficulties in maintaining automation scripts due to frequent changes and complicated component identification. In contrast, the data-driven approach minimizes changes in scripts and component identification. This study shows that the data-driven approach to test automation is more effective than the traditional record playback method. In 2014 before the test automation, the monthly average defects were 5.6 during the test and 12.5 during operation. In 2015 after the test automation, the monthly average defects were 9.4 during the test and 2.8 during operation. The comparison of live defects and detected errors during the test shows statistically significant differences before and after introducing the test automation using the data-driven approach.

• Journal of Digital Contents Society
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• v.19 no.3
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• pp.569-577
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• 2018

Near-Field Communication(NFC) is a useful technology that is receiving worldwide attention. NFC mobile payment systems are being developed by many technology companies including financial institutions especially for the public transportation. In this research we find several factors for the intention to adopt NFC payment system. We surveyed 355 respondents who live in Ho Chi Minh city, Vietnam which became more interested by Korean as a post China country to test our research hypothesis. Using Technology Acceptance Model(TAM) we find that the factors of Social influence, Trust, Security, and Users' Convenience play the significant role to the factor of Intention to Use of NFC payment system.

• Journal of the Korea Society of Computer and Information
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• v.21 no.12
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• pp.91-96
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• 2016

In this paper, we propose the CRM service model for analyzing and managing location based data collected by Wi-Fi and BLE. As mobile devices became personalized, enterprises became interested in individual location, and location based mobile marketing started to stand on spotlight. Location based proximity marketing is developing along with contactless data transmission technology, and payment system that uses NFC, Beacon that utilizes BLE, as well as advertisement via Wi-Fi are being serviced. We suggest the model that mobile devices can be detected and identified by MAC address with the need of being connected to Wi-FI or Bluetooth interface. MAC addresses are not associated with any specific user account or mobile phone number. The idea is to be able to measure the amount of people which are present in a certain point at a specific time, allowing the study of the evolution of data analysis and offers effective information for decision-makings.

• Journal of the Korea Computer Industry Society
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• v.4 no.10
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• pp.547-558
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• 2003

This paper is a parking management system which uses mobile terminal equipment by the client. From the Web server, the client will be served about the information concerned with the location o( parking lot, parking time, and payment after accessing the parking management web site. After the sensor which is set in the parking lot perceives the information about the client's car, it will inform the client of the parking place. This system is designed to control the large and complex parking lot and serves a very convenient interface to the user.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.10 no.2
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• pp.55-66
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• 2000

이동컴퓨팅 환경은 기존의 컴퓨팅 환경과는 달리 호스트의 이동성과 무선 통신의 특성을 고려하여야 한다. 기존의 지불시스템들은 이와 같은 특성을 고려하지 않고 설계되었기 때문에 이동컴퓨팅 환경에서 이를 효율적으로 사용할 수 없다 본 논문에서는 이동컴퓨팅 환경에서 소액지불을 위한 새로운 전자지불시스템 AMPS(Atomic Micropayment System)를 제안한다. 이시스템은 고객인 이동 호스트의 연산 부담과 무선 통신 메시지의 수를 최소화하도록 설계되었다 AMPS 는 고객의 요청이 들어오면 대행 서버를 통해 고객을 대신하여 유선망에서 판매자를 상대로 상품거래를 대행하여 준다. AMPS는 소액의 디지털 상품 구매를 위한 지불시스템으로 지불 트랜잭션의 원자성(atomicity)을 보장한다. 또한 판매자와 제 3자로부터 고객의 익명성과 대행 서버가 구매 상품 내역에 대해 알수 없도록 구매 상품의 비밀을 보장한다. AMPS 프로토콜의 안정성과 효율성에 대해서도 분석하였다.

• The Journal of the Korea Contents Association
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• v.5 no.1
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• pp.45-53
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• 2005

With the rapid progress of research to offer a convenience of mobile communication, the mobile users can use not only the services of voice call but also the variety services of data communication using Internet. These include Internet Searching, Internet Shopping and Internet banking and Internet stock exchange and electronic payment and so on, based on PKI. Also, the need of data communication between the mobile users has been increased. As it is possible for mobile users to do user authentication, key distribution, encryption, decryption and so on, it is needed the certificate status validation between the mobile users. However due to the PCS(Personal Communication System) had been only designed and implemented for voice call between the mobile users, it is not easy to apply data communication between the mobile users on PKI. Therefore the study of for the data communication between the mobile users in PCS is a few. It is for the data transfer between the mobile users to communicate using call processing of PCS. So, we propose how to process the certificate status validation during call processing for data communication between the mobile users in the PCS.