• 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 Digital Convergence
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• v.15 no.8
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• pp.183-193
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• 2017

Digital accredited certificates issued under the Digital Signature Act provide essential functionalities for online service, so certificates are used for various services such as online banking, e-government. However, certificates can be stolen by hackers and users need to install separate software to use certificates. Recently FIDO, which aims to solve the problems of password-based authentication and the lack of interoperability between authentication methods, is used for biometric authentication and TrustZone, hardware-based secure environment, is used for safe smartphone usage. In this paper, the new service method is suggested which uses FIDO-based biometric authentication and stores certificates in TrustZone. This method can not only improve security and convenience but also be easily applied to the service because it uses built-in functionalities of new smartphones such as biometric sensors and TrustZone. It is expected that people can use certificates in a safe and convenient way with this method.

• Journal of Service Research and Studies
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• v.7 no.4
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• pp.51-68
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• 2017

Financial technology (FinTech) is an emerging financial service sector include innovations in financial literacy and investment, retail banking, education, and crypto-currencies like bitcoin. One of the crucial branch of financial technology-third-party payment (TPP) is undergoing rapid growth, with online/mobile systems replacing offline financial systems. System quality and user attitudes are key perceptions driving third-party payment usage, the importance of these perceptions, however, may be different with countries as users' thinking varies from country to country. Thus, the purpose of this study is to elaborate how factors differ from China to Korea by drawing on the unified theory of acceptance and use of technology (UTAUT2). Additionally, this study also aims to propose a multi-attribute evaluation of the third-party online payment system based on analytic hierarchy process (AHP), fuzzy sets and technique for order performance by similarity to ideal solution (TOPSIS), to examine the relative importance of the perceptions influencing new technology adoption intention. The results showed that the price value has the most significant influence on Chinese perceptions, while the perceived credibility has the most significant effect on Korean perceptions. Sub-criteria also performs different results to Chinese and Korean third-party online payment system.

• Convergence Security Journal
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• v.14 no.5
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• pp.65-74
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• 2014

Phishing scans through wired telephones have been evolving into smissing and pharming. While we use wire or wireless telephones, text messages, e-mails, and online-banking conveniently, the ways of hacking and phishing attacks are getting developed and various. This paper investigates the various aspects of attacks depending on the kinds of phishing and suggests general prevention measures. In addition, the user-oriented practical preventive measures and government-driven long term measures are proposed in this paper. Technological developments, short or long term preventive measures proposed by the government, and continuous public relations could be solutions since in a short time, it could be difficult to eradicate phishing scams evolving continuously. Besides, the internet media as well as SNS are great helps in promoting the preventives against phishing and smissing. Finally this paper asserts that the newly developed service technology should be made carefully without security problems.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.15 no.11
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• pp.4163-4183
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• 2021

As measures for protecting users and ensuring security of electronic financial transactions, such as online banking, financial institutions in South Korea have implemented network segregation policies. However, a revision of such domain-centered standardized network segregation policies has been increasingly requested because of: 1) increased demand for remote work due to changes resulting from COVID-19 pandemic; and 2) the difficulty of applying new technologies of fintech companies based on information and communications technologies (ICTs) such as cloud services. Therefore, in this study, problems of the remote work environment arising from the network segregation policy currently applied to the financial sector in South Korea and those from the application of new ICTs such as fintech technology have been investigated. In addition, internal network protection policies of foreign financial sectors, such as those of the United States, United Kingdom, European Union, and Russia, and internal network protection policies of non-financial sectors, such as control systems, have been analyzed. As measures for the effective improvement of the current network segregation policy, we propose a policy change from domain-based to data-centric network segregation. Furthermore, to resolve threats of hacking at remote work, recently emerging as a global problem due to COVID-19 pandemic, a standard model for remote work system development applicable to financial companies and a reinforced terminal security model are presented, and an alternative control method applicable when network segregation is not applied is proposed.

• Journal of Distribution Science
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• v.17 no.8
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• pp.107-118
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• 2019

Purpose - The present study examines the effect of service employees' experienced customer incivility through their emotional exhaustion. We identified service employees' emotion regulation ability as a boundary condition (i.e., moderating variable) that decreased the positive relationship between service employees' experienced customer incivility and their emotional exhaustion. Furthermore, we also investigated the negative relationship between service employees' experienced customer incivility and their service performance via emotional exhaustion. Research design, data, and methodology - Drawing on AET (affective event theory) and COR (conservation of resources) theory, we developed three research hypotheses (i.e., mediation, moderation, and moderated mediation). Online panel survey data from 552 frontline employees at several service organizations (e.g., department stores, retail stores, hotels, restaurants, airlines, banking, insurance company, and etc) in South Korea were examined. To assess two types of validity (i.e., convergent and discriminant validity) and reliability of measurement model, we employed the CFA (confirmatory factor analysis) using M-plus 8.2 software. Internal consistency also was tested by Cronbach' α. In addition, we employed the SPSS PROCESS MACRO 2.16, which was recommended by Hayes (2013, 2015), to estimate mediation, moderation, and moderated mediation effects. Results - As predicted, the negative relationship between service employees' experienced customer incivility and their service performance was mediated by emotional exhaustion. Furthermore, service employees' emotion regulation ability also played a significant moderating role of the relationship between service employees' experienced customer incivility and emotional exhaustion, such that this relationship was less pronounced when service employees had a high level of their emotion regulation ability than when thir emotion regulation ability was low. Service employees' emotion regulation ability further moderated this mediation effect of service employees' experienced customer incivility on service performance through emotional exhaustion. These findings have theoretical implications for employees' experienced customer incivility and emotion regulation ability research and provide managerial implications for practitioners. Conclusions - This study empirically elaborated the previous model of service employees' experienced customer incivility and personal resource (e.g., emotion regulation ability) literature by presenting the findings that service employees' experienced customer incivility influences their service performance via emotional exhaustion and that emotion regulation ability effectively reduces this negative effect.

• The Journal of the Institute of Internet, Broadcasting and Communication
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• v.18 no.5
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• pp.141-146
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• 2018

In this paper, we propose a system for efficient customer management by linking the automatic dispenser and bank server computer to smart phone. The proposed background is as follows. The customer management system used by banks has been used by ordinary users. However, with the development of smartphones, the number of online banking users has increased and the number of bank branches has decreased, so that a long waiting time occurs when a bank is directly used offline. In addition, customer inefficiency time loss causes problems in customer service. In this paper, we propose a queue management system based on the number of customers by using the automatic dispenser that is used offline with the smartphone to improve customer service resulting from such a customer management problem.

• The Journal of the Korea Contents Association
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• v.12 no.1
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• pp.460-475
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• 2012

The relationship between Korean bank and customer are known as rigidity compare to other industry. The conservative organizational culture is often found in Korean banks. Today, Korean banks are facing dramatic change in digital world in that new wave in online intensifies the connectivity with bank customers and potentials. The introduction of social media would force to develop new marketing strategy in terms of the relationship oriented behavior. The case study presents the findings of a social media marketing strategy which was conducted in Industrial Bank of Korea in 2009-2011. More specifically, the study was designed to determine and evaluate the importance of social media marketing by retail bank in strategic instrument. Also it sets out to determine the perceived usefulness of the relationship oriented services offered by banks to their visitors and followers what these banks can do in order to improve bank services to improve competitive. Using the six relationship activity factors, the banks were examined in the study, a set of core activities (trusty worthy, empathy, shared value, emotional bonding, rich communication) are defined and described.

• Journal of the Korea Society of Computer and Information
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• v.12 no.4
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• pp.127-136
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• 2007

With the construction of vast networks, Internet based services such as online games and Internet banking are steadily increasing. As dysfunctions of the trend, various threats from worms/viruses to hacking are proliferating and new types and variations of worms/viruses are emerging. In response to the problems, telecommunication carriers and the government we establishing systems to cope with infringement accidents and resultant damages. However, in case of nationwide emergencies like the 1.25 Accident, infringement may spread rapidly while analyzing what kind of infringement it is and that may result in enormous losses. Thus, the paper purposed to analyze the states of infringement accidents occurring at each network and coping methods and checklist, based on the results. and to propose strategies for controlling services in case of large scale infringement accidents.

• The Journal of Information Technology and Database
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• v.7 no.2
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• pp.87-100
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• 2000

The customer loyalty has been decreasing dramatically in e-Business environments such as cyber trading, shopping, banking, and portal services. However, little research has been done so far in order to analysis the newly emerging concept and changing nature of the e-Business customer loyalty. The purpose of this study is to investigate whether the quality of e-Business information systems has any impact on customer loyalty. The quality, which is tee independent construct in this study, is divided into three variables: basic system quality, information contents quality, and service quality. Cyber systems of 40 domestic stock trading firms were chosen as target e-Business information systems Both online survey and traditional field survey were employed in order to collect data, and more than 8,000 cyber customers have responded. The results of statistical analysis show that all of three independent variables have statistically significant effects on customer loyalty and, among three variables, the basic system quality has the strongest impact.