• Journal of the Korea Institute of Information Security & Cryptology
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• v.29 no.6
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• pp.1413-1424
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• 2019

Cryptocurrency has limitations to be used as an actual payment method due to the scalability problem of the blockchain consensus protocol, and various off-chain solutions to solve these limitations are being studied. In this paper, we design an efficient off-chain payment channel using one-way hash function and implement the designed payment channel using Ethereum smart contract. In addition, the experiment was conducted to measure and analyze execution time and cost for each method by deploying it in the same environment as the previously implemented plasma MVP. As a result, compared with plasma MVP, the proposed solution was able to reduce the total cumulative time by about 34% and reduce the overall execution cost by about 41%.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.13 no.1
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• pp.3-10
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• 2003

In this paper, a partially blind signature schemes baled on EC-KCDSA is proposed and we applied it to design an electronic check payment system. Because the proposed partially blind signature scheme uses elliptic curve cryptosystem, it has better performance than any existing schems using RSA cryptosystem. When issuing a refund check, one-time pad secret key is used between the bank and the customer to set up secure channel. So the symmetric key management is not required.

• The Journal of the Korea Contents Association
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• v.4 no.4
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• pp.71-78
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• 2004

Dedicated Short Range Communications(DSRC) as a prominent communications candidate for Intelligent Transportation Systems(ITS) have been developed to support ITS applications such as value-added information service, e-commerce, electronic toll payment, etc. These various applications associated with electronic payment through unsecure communication channel of DSRC suffer from security threats. To ensure secure payment, we have adopted appropriate cryptographic mechanisms including encipherment, authentication exchange and digital signature. The cryptographic mechanisms require to use cryptographic keys established between two communication entities. In this paper, we propose a secure electronic payment system which is designed to have some functions for strong authentication, encryption, key agreement, etc. Especially, we adopt domestic developed cryptographic algorithms such as EC-KCDSA and SEED for digital signature and block cipher, respectively. We can show those mechanisms are appropriate for the secure electronic payment system for ITS services under the DSRC wireless environment in aspects of constrained computational resource use and processing speed.

• Journal of Information Processing Systems
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• v.8 no.3
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• pp.495-520
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• 2012

A secure Electronic Payment System (EPS) is essential for the booming online shopping market. A successful EPS supports the transfer of electronic money and sensitive information with security, accuracy, and integrity between the seller and buyer over the Internet. SET, CyberCash, Paypal, and iKP are the most popular Credit Card-Based EPSs (CCBEPSs). Some CCBEPSs only use SSL to provide a secure communication channel. Hence, they only prevent "Man in the Middle" fraud but do not protect the sensitive cardholder information such as the credit card number from being passed onto the merchant, who may be unscrupulous. Other CCBEPSs use complex mechanisms such as cryptography, certificate authorities, etc. to fulfill the security schemes. However, factors such as ease of use for the cardholder and the implementation costs for each party are frequently overlooked. In this paper, we propose a Web service based new payment system, based on ANSI X9.59-2006 with extra features added on top of this standard. X9.59 is an Account Based Digital Signature (ABDS) and consumer-oriented payment system. It utilizes the existing financial network and financial messages to complete the payment process. However, there are a number of limitations in this standard. This research provides a solution to solve the limitations of X9.59 by adding a merchant authentication feature during the payment cycle without any addenda records to be added in the existing financial messages. We have conducted performance testing on the proposed system via a comparison with SET and X9.59 using simulation to analyze their levels of performance and security.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.24 no.5
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• pp.931-939
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• 2014

The Web or Mobile channel of previous Web access authentication system for a payment only provides the authentication of remote users, and does not provide the authentication between a user and a bank/financial institution. Therefore, this paper proposes the Transaction Certificate Mode(TCM) for a payment which can preserve the mutual authentication between a user and a bank/financial institution for Web-based payment systems. The proposed system has designed for wireless network instead of Secure Electronic Transaction (SET) designed for wired electronic transaction. In addition, this system with TCM is able to support an account-based transaction for wireless networks instead of a disadvantage of SET such as a card-based transaction for wired networks. Therefore, customers can check their balances without logging on their bank's web site again due to mutual authentication between a customer and his bank/financial institution.

• Journal of Korea Society of Industrial Information Systems
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• v.7 no.5
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• pp.91-95
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• 2002

Electronic commerce over the Internet is predicted to grow at an ever-increasing rate over the next few years, with on-line sales already heading for several billion. Many companies are using this new sales channel, and a few retailers now have established major on-line sales sites. There have been some successes, particularly in technology, business-to-business and niche markets. This paper has been produced to summarise the basics of electronic commerce system, covering on-line catalogues and on-line purchasing. Electronic commerce systems consists of the authoring tools and web applications, the electronic payment technology, and the security and transaction processing.

• KIPS Transactions on Computer and Communication Systems
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• v.2 no.3
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• pp.133-142
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• 2013

Recently, smart devices for various services have been developed using converged telecommunications, and the markets for near field communication (NFC) mobile services is expected to grow rapidly. In particular, the realization of mobile NFC payment services is expected to go commercial, and it is widely attracting attention both on a domestic and global level. However, this realization would increase privacy infringement, as personal information is extensively used in the NFC technology. One example of such privacy infringement would be the case of the Google wallet service. In this paper, we propose an mutual authentication scheme based on NTRU for secure channel in OTA and an zero-knowledge proof scheme NTRU based on for protecting user information in NFC mobile payment systems without directly using private financial information of the user.

• The Research Journal of the Costume Culture
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• v.7 no.6
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• pp.41-53
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• 1999

Fashion marketing channels experience conflicts inevitably because of constant interaction among fabric producers, apparel manufacturers, contractors, and retailers. However, it is rarely that attempts has been made to identify causes of conflicts in distribution channel of fashion industry. The purpose of this study was to explore causes of conflicts from the standpoint of a contractor. For this study, data were collected from the owner or the manager represented with a contractor in fashion maketing channels. By means of in-depth interviews with multiple informants, their statement was analyzed qualitatively. From analysis of the resulting data, the causes of conflict were associated with two broad sets, attitudinal and structural differences between apparel manufacturers and contractors. First, attitudinal sources of conflict were identified as perception of subordinated relationships between channel members, delayed announcement on order changes, difficulties in communication by using different terms, different expectations between channel members in controlling product quality, and lack of credit in inspecting products. Second, structural sources of conflict involved unilateral decision on wages for contracting, lengthy payment period derived from a bill of credit, deficient autonomy in selecting auxiliary suppliers, unreasonable issues on lead time, and unfair transaction in selecting a contractor or inspecting finished products. There are limitations on generalization due to the results based on interviews, but this study will be a useful exploratory step before designing a large scale survey.

• The Research Journal of the Costume Culture
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• v.27 no.5
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• pp.496-511
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• 2019

The purpose of this study was to create a theoretical structure for the concept of purchasing risks by identifying the structure of purchasing risks that lead to obstacles in the purchasing decisions of consumers in fashion consumption via online channels. This was a secondary research using books, articles, prior researches, and academic journals on the five topics of "characteristics of fashion consumption," "the concept of purchasing risks," "purchasing risks by product types," "purchasing risks by channel types," and "purchasing risks of fashion consumption on online shopping channels." According to the arguments of prior researches, the study divided the purchasing risks of fashion consumption through online shopping into four categories : (1) fundamental purchasing risks including financial risk and time loss risk pertaining to any product or channel, (2) online channel purchase risks, which include risks in payment, Information leaks, and delivery and return/exchange risk, (3) fashion product risk related to product quality or experience of other people, which includes social risks and risks associated with quality, and (4) the online channel${\times}$fashion product risks, which include the aesthetic and psychological hazards especially amplified in online channels. The four risk factors were then described with a concept map to systemize the multi-dimensional and stereoscopic psychological structure of purchasing risks. Of the four risk factors, consumers placed the most emphasis on the online channel${\times}$fashion product risks, hence, reducing this risk factor is of utmost priority for marketing of online shopping channels.

• The Journal of Fisheries Business Administration
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• v.22 no.1
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• pp.53-75
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• 1991

The objectives of this study are to conceptualize theoretically and to examine empirically the interrelationships among channel member's satisfaction, dependence, and performance being immanent between dealing partners, by integrating behavioral and economic approach to explain comprehensively the interrelationship between dealing partners in conventional marketing channel which have not studied in previous studies. To attain above objectives, latent variables and observed variables which had been immanent between licenced dealers and wholesalers in fish marketing channel were found out by exploratory study, and pre-test was conducted to select the proper variables, and then the model which could explain the interrelationships among the variables was set up. Three categories of varables were considered in this study. Namely, economic and noneconomic factors were identified as independent variable, the degree of satisfaction and dependence to dealing partner as intervening variable, and performance as dependent variable. The data for the study was obtained from a survey questionnaire of 214 licenced dealers who work in Pusan, Yusoo, and Kunsan and 190 wholesalers who work in whole country. Among them, 264 anayzable questionnaires(including 154 licenced dealers and 110 wholesalers)were collected. Statistical procedure to analyze the data was carried out by LISREL version 7. Major findings obtained from the results of the analysis are as follows. First, economic variables have a great influence on the degree of both licenced dealers' and wholesalers' satisfaction. Among economic variables, the degree of keeping wholesalers' payment date have greater influence on the degree of licenced dealers' satisfaction, and licenced dealers' faculty being able to send good fish in quality have greater influence on the degree of wholesaler's satisfaction than other variables. In short, licenced dealers make great account of wholesalers' payment, and wholesalers make great account of licenced dealers' faculty being able to send good fish in quality in dealing relationship. Second, noneconomic variables have more relevance to the degree of dependence in both sides than economic variables. This means that noneconomic variables as well as economic variables can be a factor to keep up the dealing relationship. Third, the degree of satisfaction and dependence have influence on performance in both sides. In the licenced dealers' side, the degree of dependence have greater influence on performance than the degree of satisfaction, on the other hand, in wholesalers' side, the degree of satisfaction have greater influence on performance than the degree of dependence. This means that wholesalers can easily substitute their dealing partner for another licenced dealer comparatively.