• KSII Transactions on Internet and Information Systems (TIIS)
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• 제6권1호
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• pp.131-146
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• 2012

As one of the four basic technologies of IOT (Internet of Things), M2M technology whose advance could influence on the technology of Internet of Things has a rapid development. Mobile Payment is one of the most widespread applications in M2M. Due to applying wireless network in Mobile Payment, the security issues based on wireless network have to be solved. The technologies applied in solutions generally include two sorts, encryption mechanism and authentication mechanism, the focus in this paper is the authentication mechanism of Mobile Payment. In this paper, we consider that there are four vital things in the authentication mechanism of Mobile Payment: two-way authentication, re-authentication, roaming authentication and inside authentication. Two-way authentication is to make the mobile device and the center system trust each other, and two-way authentication is the foundation of the other three. Re-authentication is to re-establish the active communication after the mobile subscriber changes his point of attachment to the network. Inside authentication is to prevent the attacker from obtaining the privacy via attacking the mobile device if the attacker captures the mobile device. Roaming authentication is to prove the mobile subscriber's legitimate identity to the foreign agency when he roams into a foreign place, and roaming authentication can be regarded as the integration of the above three. After making a simulation of our proposed authentication mechanism and analyzing the existed schemes, we summarize that the authentication mechanism based on the mentioned above in this paper and the encryption mechanism establish the integrate security framework of Mobile Payment together. This makes the parties of Mobile Payment apply the services which Mobile Payment provides credibly.

• 한국정보시스템학회지:정보시스템연구
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• 제27권4호
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• pp.203-227
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• 2018

Purpose The purpose of this study is to investigate which decision factors continue to use the service based on the online simple payment service. In this study, we will examine how to activate the service from the continuing factors through the dual-model theory consisting of personal dedication and constraint dedication which are frequently used in relation marketing. Design/methodology/approach In this study, we investigated the activation of online simple settlement service using factors affecting the preference of the simple payment service based on the dual-model of dedication-based mechanism and constraint-based mechanism. Findings This study confirmed that customer satisfaction and convenience under the dedication -based mechanism were found to be linked to the preference of the simple payment service. Switching cost under the constraint - based mechanism showed that the customer had no binding ability to continue using the service of the current provider. Likewise, preference was found to have a direct effect on the actual frequency of use of the simple payment service, the number of uses compared to the total number of online payments, and willingness to use more.

• 정보처리학회논문지C
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• 제11C권6호
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• pp.755-764
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• 2004

최근 자기띠 방식의 금융카드를 IC 카드로 대체하기 위해 현금카드를 위한 금융IC카드표준 규격, 신용카드를 위한 EMV 규격을 채택되어 관련 인프라 구축이 활발하게 전개되고 있는 상황이다. 본 논문에서는 공개키 암호를 채택하고 있는 EMV 규격을 분석함으로써 인터넷 PKI, WAP PKI 등에 비해 상대적으로 연구가 미진한 EMV 기반 Payment PKI에 대한 연구를 하고자 한다. 이와 함께 IC 카드 기반 전자결제 시스템 개발에 활용할 수 있는 EMV 기반 Payment PKI 모델을 제안하고, EMV CA 시스템을 개발하였다. 또한 이를 활용하여 EMV 규격에 정의된 IC 카드 인증메커니즘을 보완하여 IC 카드 메모리 낭비 감소, 거래 처리 시간 단축, 효율적인 운영환경 및 성능을 향상시킬 수 있는 "효율적인 IC 카드 인증메커니즘" 제안하고, 성능평가를 하였다.

• 한국전자거래학회지
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• 제11권4호
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• pp.107-122
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• 2006

기업간 거래에서 전자결제는 지속적으로 확대되고 있으며, 이에 따라 전자결제를 지원하는 정보시스템의 개발도 활발하게 이루어지고 있다. 이러한 환경에서 전자결제시스템은 다양한 전자결제 메커니즘들을 수용하도록 개발되어야 하고 이를 위해서는 전자결제 프로세스를 표준적인 방법으로 모델링 할 필요가 있다. 본 연구에서는 전자결제 메커니즘을 모델링 하는데 있어서 다양한 비즈니스 프로세스 모델링 기법들의 적합성을 분석하고, 이를 바탕으로 전자결제 메커니즘의 비즈니스 프로세스 모델링 지침을 제시하고자 한다. 본 연구의 결과는 전자방식을 이용하여 결제하는 비즈니스 프로세스를 모델링하고 전자결제시스템을 개발하는데 좋은 지침이 될 수 있을 것이다.

• 감성과학
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• 제21권4호
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• pp.3-10
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• 2018

The present study explores two relationships: first, between number of payment and payment option preference, and second, total sum and payment option preference, with pain of payment as a mediator variable. The analyses revealed that consumers who feel higher pain of payment preferred the pennies-a-day pricing to the aggregate pricing when the per-payment price is low. Consumers who experience higher pain of payment prefer to pay in small frequent installments because they feel the small per-payment price can be comparable to daily expense. Consumers who experienced higher pain of payment preferred aggregate pricing to pennies-a-day pricing when the per-payment price was high. When the per-payment price is high, it is no longer comparable to daily expense, thus leading to greater pain of payment among consumers. The study discusses the implications for mechanism of pain of payment on payment option preference.

• East Asian Economic Review
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• 제23권3호
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• pp.285-309
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• 2019

Unlike the popular belief, digital transformation mainly gets stymied by legal and regulatory issues related with legacy institutions in Asia rather than technical difficulties. The real challenges triggered by the PSD2 (Payment Services Directive 2) are how the region would overcome the overly fragmented, centralized, and hierarchical legacy framework to allow necessary changes to respond to the digital single market initiatives as promulgated by the European counterpart. The PSD2 is expected to bring about substantial changes in the payment ecosystem by allowing payment service providers to access customers' accounts and transactions information via API that have been traditionally controlled by banks. This paper suggests an incentive-compatible mechanism design for open collaboration among legacy institutions in the region to help them adapt to the PSD2. As evidenced by case studies in Korea, the Asian equivalent of PSD2 can be implemented and further expanded to create region-wide PCS (payment-clearing-settlement) network by reconnecting the dots of legacy infrastructures. These decentralized, diverse, small payment networks can be further combined with the expanded RTGS-CDS platform to evolve into the next phase of Asian Financial Network.

• Journal of Information Technology Applications and Management
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• 제10권3호
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• pp.93-108
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• 2003

As Electronic Commerce is popularized, crimes related to Electronic Commerce are also increasing, Electronic shopping malls and payment gateways focus their attention on network security of payment information or the sizes of encryption keys, In real world, however, the payment-related crimes in electronic shopping malls are not based on the security hole of encryption mechanism of the payment systems, but on the customers carelessness or the insecurity of server systems of merchants or financial institutes. So, this research analyzes the structure of current electronic payment systems, investigates the payment-related crimes, addresses the structural problems of the Korean electronic payment systems, and suggests an alternative general architecture for secure payment systems by incorporating the concept of separation of order information and payment information.

• 한국전자거래학회지
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• 제7권1호
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• pp.35-50
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• 2002

Recently, payment method is one of the most hot issues for transaction of contents in mobile and internet markets. Many kinds of mobile contents services are rapidly growing with the combination of internet application services. Payment method algorithms are demanded for the stable transaction between producer and consumer. Security protocol algorithms are widely adapted for mobile Platform terminals. In this Paper, we described security mechanism for the current wireless internet services and compared with the performance result. There are security protocols that based on java machine platform or WAP protocols. The system is based on J2ME technology for the java mobile platform. Based on this technology, a security system is proposed for the service of mobile commerce electronic payment. The system is designed for the stability of transaction so that it enables to apply into many kinds of internet payment system.

• 무역학회지
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• 제45권2호
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• pp.103-119
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• 2020

As the easy payment service is popularized and the competition in the service market is fierce, research on factors affecting users' continuous use of the easy payment service is becoming increasingly important. However, in the existing studies, the discussion of the continuous intention to use the consumer's simple payment service has not been sufficiently conducted. Existing research remains on the way of listing technology and consumer characteristics. To bridge this research gap, this study aims to integrate and modify ECM and UTAUT to consider factors influencing the continuous use of easy payment services. The user's expectations and the confirmation were considered as important factors to decide. For empirical analysis, a survey was conducted for 236 users who had experience with domestic easy payment service. As a result, it was verified that confirmation, performance expectancy, effort expectancy, social influence, and habit in regard to easy payment services are important for continuous use intention. Through this study, it is expected that the consumer's technology acceptance mechanism on the continuous use of simple payment will be grasped in more detail to develop academic discussions in the field. Implications from the results as well as limitations of the study are presented.

• 무역학회지
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• 제41권5호
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• pp.139-161
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• 2016

본 연구는 BPO의 제도적 운용과 금융지원 차원에서 검토하였다. BPO는 시스템화, 지급확약, 비즈니스의 효율성 개선, 위험완화, 금융지원 등의 제도적 이점을 제공한다. 이와 같은 제도적 이점으로 시대적 패러다임에 부합하는 새로운 결제제도로 발전할 것으로 보인다. 그 운용에 있어서 데이터 중심의 시스템적·전자적으로 이행된다는 점에서 그 효율성과 안전성을 높인다. 따라서 BPO는 전통적인 금융무역결제시스템의 대안으로 발전·정착할 것으로 보인다. 본 연구는 SWIFT 및 ICC 등의 자료를 포함한 문헌을 중심으로 연구하였다.