• Proceedings of the KAIS Fall Conference
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• 2010.11a
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• pp.272-275
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• 2010

인터넷의 발달로 인하여 다양한 온라인 카드 지불 방식이 생겨나게 되었다. 그 중, 기존의 국민카드와, BC카드의 카드 결제 방식인 ISP(Internet Secure Payment) 시스템에서 ISP를 생성하는 과정이 현재의 인증 방법으로는 잠재적인 취약점이 있음을 발견하고, 이에 본인 인증을 강화하는 프로토콜을 제안한다.

• Management & Information Systems Review
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• v.14
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• pp.151-180
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• 2004

Owing to the digital revolution, Internet Commerce and Electronic commerce, revolutionize the way of doing business and making payment. The entrance of the Internet has a prominent for spread of Electronic Commerce and those phenomenons will result in paperless trading and cashless trade. By virtue of Internet, an increasing share of business transactions occurs online. Electronic payment is essential for the smooth progress of the electronic commerce as electronic payment plays the important role in the electronic commerce, that is, the value transfer restyling from the electronic commerce. Traditionally international settlement systems such as letters of credits, remittance and documentary collections operated as important and poplar method of payment, Now, information technology has made it possible to pay for the sale of goods and services over the internet. In international trade, there are service providers (bolero, TradeCard, BeXcom) to settle payment electronically through the Internet. The purpose of this study is to Conduct comparative analysis with approach manner functional respect systematic respect, role. It is shown which the Electronic payment system is better. In this study, the author attempts to find the problems is (bolero, TradeCard, BeXcom) and solutions in switching from the documentary payment system to the electronic one. This conclusion of this study can be summarized as followings. In resoect of the law, bolero should seek to prevert the users from being treated unfairly due to multilateral agreement on Rulebook. TradeCard, BeXcom do not have the proper law that users are governed. so far as the practice problems concerned, stability of computer's operation and security of message interchange should be warranted and improved continuously. Through the standardization of the electronic document and the development of software, the examination of the shipping occuments must be done automatically. Bolero should induce more banks to take part in Bolero, and make the carrier the cost and time in managing the traditional document which will be used for the time being. In respect of information technology and security, to deduce the risk in the electronic settlement system and positively uses the global authentication guideline(Identrus).

• The Journal of the Korea Contents Association
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• v.19 no.5
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• pp.426-442
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• 2019

This study identifies possible determinants that may have influences on the switching behavior from the current payment system of credit or check cards to the easy payment service based on push-pulling-mooring model. And this research empirically tests how those determinants affect switching intention to the easy payment service. The moderating effect of policy expectation is also taken into account. The findings show switching intention to the easy payment service is influenced by the followings: dissatisfaction with the current payment system as a pushing factor, perceived easy of use and trust in easy payment service as pulling factors, and affective/cognitive inertia and unfavorable subjective norm as mooring factors. The results also show that moderating effect of policy expectation exists in the relationship between perceived ubiquitousness and switching intention.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2014.05a
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• pp.207-210
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• 2014

Damage is increasing by (Smishing) hacking attack Smishing you use a smart phone after entering 2013. Takeover of personal information and direct financial damage in collaboration with graphics sewing machine hacking attack has occurred. Monetary damage that leads to Internet payment service (ISP) and secure payment system in conjunction with graphics sewing machine hacking attack on a smartphone has occurred. In this paper, I will study analysis in the laboratory examples of actual infringement vinegar sewing machine hacking attack. It is a major power security measures to prevent damage to the secure payment system that a case analysis and practical principle technical nest sewing machine hacking attack, using Smishing. In this paper, I will be to research to be able to through a smart phone, to the online payment safer and more convenient.

• Journal of the Korea Society of Computer and Information
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• v.9 no.1
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• pp.103-109
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• 2004

Mobile payment service is a new innovating technology in the micro payment industry. Although it emerged only one or two years a9o in Korea, it is now highly used and prospered by many online companies. Traditional studies concerning the electronic payment system are usually about the payment process itself, so they stressed the security or the robustness of the process. The study from the angle of behavioral science seldom exists. This article describes the phenomenon of technology adoption with a particular focus on telephone Payment service. The article identifies which characteristic of the telephone payment service affects to the user status (user, non-users). To do this, this article mainly used Roger's Technology Acceptance Model and some characteristics are added to the model. The most important perceptual characteristic that affects to the user status was not security, but ease of use-the telephone payment service had to enhance continuously for the competitive advantage over the other payment service. Observability and convenience are also noted as important.

• The Journal of the Institute of Internet, Broadcasting and Communication
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• v.11 no.5
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• pp.113-130
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• 2011

Due to the development of information and communication technology, the global influence on politics, economics, society, and culture has grown. A major example of this impact on the economic sector is the growth of e-commerce, which increases both the speed and efficiency of businesses. In light of these new developments, businesses need to shift away from the misconception that information overwhelms to embrace the enhanced competitiveness that e-commerce provides. However, concern about fraudulent transactions through e-commerce is pertinent because of the loss in both critical revenue and consumer confidence in open markets. Current solutions for fraudulent transactions include real-time monitoring and processing, payment pending, and confirmation through SMS, E-mail, and other wired means. Our research focuses on the management of Fraud Detection Systems (FDS) to safeguard online electronic payment systems. With effective implementation of our research we hope to foster an honorable online trading culture and protect consumers. Future comparative research in domestic and abroad markets would provide further insight into preventing fraudulent transactions.

• 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.

• The Journal of Information Systems
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• v.26 no.3
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• pp.295-312
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• 2017

Purpose Consumption behaviors of consumers have changed with the widespread use of the Internet and smart phones, and accordingly online marketing activities are becoming ever more prevalent. Yet, the domestic food-service industry has yet to offer an Omni-Channel order system that encompasses a online, offline, and mobile interface. Also, a multilingual menu ordering service for foreign tourists is not yet available. Therefore, if an order service system accessible online and offline which could provide multi-language services were implemented, the satisfaction of the service provider and domestic and foreign customers would be maximized. Design/methodology/approach By designing an electronic menu based on open an OS and providing electronic menus in offline stores, we have completed the design of a linked order system which would be available everywhere (online, offline, and mobile). The CMS was developed to integrate these three mediums and the entire operator was designed to receive basic information and statistical information about the merchants, or store operators. Also, a multilingual term dictionary containing menu information for foreign tourists was made into a database so that foreign tourists who are having difficulty in communication can use it more easily. Findings We have made it possible for customers to use the order service without distinction between online, offline, and mobile platforms, and have proved that it is a more efficient and convenient service for customers as well as operators. Nevertheless, as an initial model, the implemented system has limitations on the execution of the payment support method in the electronic menu board and in the management division of the CMS. In case of commercialization, it is necessary to make an alliance of efforts to attract initial franchises. Through further supplementation, we expect the online and offline connection-types martservice system will maximize the satisfaction of both operators and customers alike.

• International Journal of Advanced Culture Technology
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• v.11 no.2
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• pp.125-131
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• 2023

OVO is a digital platform that provides simple payments and smart financial services, as well as one of the largest digital payment platforms in Indonesia. It has wide coverage and security when making payments, and supports multiple settlement currencies. The purpose of this study is to explore the history, business model, and future strategic direction of OVO, an Indonesian e-wallet. To date, OVO has built its own mobile payment ecosystem covering a wide range of consumer scenarios including e-commerce, travel, offline shopping and finance. And it supports mobile banking, online banking, debit cards or selected partner merchants. Its three largest transaction categories are in the transportation, retail and e-commerce sectors. With over 110 million consumers and 1.3 million merchant users, it is one of the dominant e-wallets in Indonesian market and has become the country's e-payment market leader. OVO eWallet's 'One Card' model offers convenience and choice for users, thus contributing to the rapid growth of OVO eWallet. And OVO eWallet competes fiercely with other competitors, but OVO eWallet continues to grow in terms of the number of users and market share. Finally, this study analyzes the strategic goals and plans of OVO eWallet, predicts its future direction. OVO eWallet has a huge success, but there are still competition and challenges to face.

• International Journal of Computer Science & Network Security
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• v.21 no.6
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• pp.222-230
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• 2021

Mobile wallets have been in continuous demand and developed over the past few years, especially during the COVID-19 pandemic. Several studies have examined user intentions and perspectives. This study develops a conceptual model combining behavioral factors with the technology acceptance model (TAM). The goal is to identify key factors that influence user's intention to adopt mobile payments. This study uses the TAM and the unified theory of acceptance and use of technology (UTAUT) models with additional factors. The additional factors are security, trust, facilitating conditions, and lifestyle compatibility. The study analyzes the results of a survey of 394 Saudi citizens conducted via an online survey. The results indicate that user attitudes and intentions are positively influenced by all of the factors. Perceived usefulness, perceived ease of use, lifestyle compatibility, and facilitating conditions are direct predictors of user behavior in accepting mobile wallet payments. This study provides an empirical contribution to the literature on mobile payment acceptance on the effect of perceived usefulness and lifestyle compatibility. The results demonstrate that about 26% of the respondents started using mobile wallet services because of the COVID-19 pandemic.