• 융합보안논문지
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• 제15권4호
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• pp.73-82
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• 2015

스마트폰의 대중화에 힘입어 모바일 결제 시장이 급속히 성장하고 있다. 전자금융거래시 공인인증서 의무사용이 폐지됨에 따라 패스워드만으로 결제 가능한 간편결제가 속속 시장에 진출하고 있으나 확산속도는 그다지 빠르지 않다. 왜냐하면 소비자들의 개인정보유출 및 보안에 대한 우려, 결제 습관의 변화 기피, 소비자 보호 미흡, 결제인프라의 부족, 각종 규제 등으로 인하여 간편결제가 활성화되지 못하고 있기 때문이다. 최근 글로벌 IT기업들이 모바일 결제시장에 경쟁적으로 진출하고 있으며 이는 핀테크 혁신에서 뒤처지면 향후 생존이 위태로울 수 있다는 위기감과 폭발적으로 성장하는 모바일 결제시장의 주도권을 차지하겠다는 심리가 작용하고 있는 것이다. 이런 상황 속에서 우리의 간편결제가 외국에 종속되지 않고 독자적인 성장을 하기 위해서는 철저한 준비와 많은 노력이 필요하다, 본 논문에서는 간편결제의 본격 시행을 앞두고 국내 모바일 간편결제의 문제점을 짚어보고 활성화 방안으로 유연하고 차별적 보안, 소비자 보호체계 구축, 법제도 정비, 서비스의 차별화 등을 제안하였다.

• 보건행정학회지
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• 제7권2호
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• pp.65-88
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• 1997

In Korea, telemedicine is still under the beginning stage, but we expect that the developing 'Information Highway' will make this technology more common place and more easily used in coming soon. Currently, three hospitals are providing telemedicine services with their subsidiary hospitals which are far away from their remote place. However, the fee schedule of telemedicine services are not well-settled down, of course not reimbursed through current health insurance system. This study aims to develop new payment system for medical services provided through telemedicaine system. To design appropriate fee schedule for telemedicine services, we, first, review the current insurance payment system and telemedicine system both in domestic and foreign countries focusing on its payment system. A framework of telemedicine payment system is proposed in following steps based on information we acquired from this stage. Second. We decide the span of cost items which should be covered by telemedicine payment scheme. In hear, we suggest payment method for telemedicine services should be designed as dual structure which are telemedicine fee that should be reimbursed through payment scheme and any costs related to capital investment that should not be covered by payment system. Which is, payment system for telemedicine services should cover only service-related costs and any costs related to capital investment should be generated through third party such as government, health insurance association, etc. Finally, we suggest new fee schedules for telemedicine services. The key issues on developing telemedicine fee schedules are related with the determination of appropriate additional rate($\alpha$). The reasonable additional rate($\alpha$) must determine through careful evaluation of any additional efforts(e. g. : additional work hours which are related to providing telemedicine services). This study shows the process of how to determine appropriate additional rate($\alpha$).

• 한국콘텐츠학회논문지
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• 제19권5호
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• pp.443-454
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• 2019

온라인 쇼핑 시장 경쟁이 심화되면서 온라인 쇼핑 플랫폼 사업자간 경쟁은 판매자 확보 경쟁으로 이어지고 있다. 이에 본 연구는 국내 온라인 쇼핑 플랫폼 가운데 판매자들이 선호하는 플랫폼이 무엇이며, 선호하는 플랫폼에 따라 플랫폼 선택 시 고려하는 요인에 차이가 있는지를 분석하였다. 더불어 모바일을 통한 온라인 쇼핑의 보편화로 간편결제서비스 이용이 증가함에 주목하여, 판매자들이 선호하는 간편결제서비스와 선호하는 서비스에 따라 서비스 선택 시 고려하는 요인에 차이가 있는지를 분석하였다. 연구 결과, 판매자들은 온라인 쇼핑 플랫폼 선택 시 명성, 결제편리성, 검색편리성을, 간편결제서비스 선택 시에는 사용편리성, 결제편리성, 수수료를 주요하게 고려하는 것으로 나타났다. 한편 선호하는 온라인 쇼핑 플랫폼에 따라 명성, 검색편리성, 수수료, 결제편리성 요인에 대해, 선호하는 간편결제서비스에 따라 사용편리성, 보안성 요인에 대해 고려하는 정도에 차이가 있는 것으로 밝혀졌다.

• 통상정보연구
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• 제5권1호
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• pp.203-222
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• 2003

Owing to the digital revolution, Internet Commerce and Electronic Commerce is having a profound influence on the global trade and internal commerce, revolutionizing 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. Traditionally international settlement systems such as letters of credits, remittance and documentary collections operated as an important and popular 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, @Globaltrade) to settle payment electronically through the Internet.

• 한국디지털정책학회:학술대회논문집
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• 한국디지털정책학회 2004년도 춘계학술대회
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• pp.545-558
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• 2004

Payment Systems is one of critical infrastructures, which is increasingly dependent on IT. Failure to provide the payment services can bring disaster to national economy, which is the reason why business continuity of payment system receive much attention these days. Payment Systems are complex systems, which consist of multiple players: central bank, commercial banks, clearing house. The main purpose of this paper is to propose some business continuity strategies for the payment systems. First, in order to provide financial stability, this paper clarifies the concepts of business continuity plan(BCP). Second, this paper illustrates the processes to come up with business continuity strategies for the payment systems based on risk analysis and business impact analysis. Business continuity strategies are proposed in terms of two dimensions: vertical and horizontal.

• 한국멀티미디어학회논문지
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• 제21권1호
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• pp.26-33
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• 2018

As financial transactions using mobile devices have been activated, mobile payment services have appeared and many changes have been made to the existing financial service methods. Due to the simplified payment method of mobile payment service, security threats such as personal information leakage, phishing damage, and malicious code are increasing. Research that can solve this is needed. In this paper, we discuss the features and security factors of mobile payment system. In order to improve the security of mobile payment system, we propose a fault analysis method based on frequency of occurrence using Fault Fishbone Analysis(FFA) technique.

• 한국컴퓨터정보학회논문지
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• 제23권6호
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• pp.59-66
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• 2018

Recently, the use of mobile payment, called "Pay" payment, is increasing such as 'KakaoPay' and 'SamsungPay'. In Korea, various mobile payment services are running and emerging. The purpose of this study is to examine the intention to switch from using existing credit cards or check card to mobile payment service based on the two-factor theory. We empirically examined the effect of the two factors, the factors that enable switching and the factors that inhibit switching. Therefore, the study use switching cost and switching benefit as parameters to confirm the effect on the switching intention. In addition, this study intends to analyze the differences between two subgroups by the degree of personal innovativeness. We survey smartphone users and credit card or check card users, and analyzed the Smart PLS 3.0 using structural equation model to verify the significance of the research hypothesis.

• 한국산업정보학회논문지
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• 제7권4호
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• pp.59-65
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• 2002

전자상거래의 지불시스템에서 전달되는 데이터는 무결성, 기밀성, 부인방지등이 확보되어야 한다. SET 프로토콜의 지불게이트웨이는 이러한 요구 조건을 충족시키기 위해 계산량이 많은 RSA 암호알고리즘을 과도하게 사용하고 있는데 이로 인해 거래가 절정을 이루는 시간대에는 지불 게이트웨이에 과다한 비밀키 연산들이 집중되어 병목 현상이 발생하게 된다. 이러한 문제를 해결하기 위하여 SET 프로토콜의 지불시스템 승인단계에서 원타임패스워드를 적용하는 방안을 제안하고자 한다.

• 국제학술발표논문집
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• The 5th International Conference on Construction Engineering and Project Management
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• pp.181-187
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• 2013

The construction market condition is getting worse because of global constructions slow down, low profit, market contraction and so on. For these reason, most construction companies depend on public construction projects which possible to protect construction fee, known as progress payment, by laws. Despite this law, problems of progress payment are constantly occurring and it has been main factors that hinder the construction cost's cash-flow in construction project. To solve this problem, many researchers suggested various solutions but most of solutions were focused on specific target as owner, general contractor, and subcontractor. So, most of solutions were insufficient consider about interaction between contractors. Because of these reasons, it was hard to reflected policy. This research aimed to use system dynamics to develop the model for the application and payment based on the regulations and papers. Also, performed a developed model's verification based on progress payment regulation's basic objectives.

• Asia pacific journal of information systems
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• 제31권3호
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• pp.257-276
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• 2021

This study investigates the factors that facilitate or hinder people to use mobile payment, especially drawing upon the theoretical perspectives on individual's privacy protection motivation and perceived market condition. Survey data (n = 200) were collected through a web-based platform and used to test a theoretical model. The results show that one's privacy protection power is formed by various individual and technological factors (i.e., perceived data exposure, self-efficacy, and response efficacy), and in turn it determines his/her intention to use mobile payment. Moreover, the relationship between privacy protection power and mobile payment use is conditional on the perceived market control by the service provider - with a perception of the high level of provider's market control, one uses mobile payment regardless of his/her privacy protection power, while under the low level of provider's market control, the decision depends on the degree of privacy protection power. The findings would help our understanding of why some people are more susceptible to mobile payment and others are not.