• Journal of Korean Institute of Industrial Engineers
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• v.42 no.4
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• pp.296-303
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• 2016

In public transportation, smart cards have been introduced for the purpose of convenient payment systems. The smart card transaction data can be utilized not only for the exact and convenient payment but also for civil planning based on travel tracking of citizens. This paper focuses on the analysis of the transportation convenience using the smart card big data. To this end, a new index is developed to measure the transit convenience of each region by considering how passengers actually experience the transportation network in their travels. The movement data such as movement distance, time and amount between regions are utilized to access the public transportation convenience of each region. A smart card data of five working days in March is used to evaluate the transit convenience of each region in Seoul city. The contribution of this study is that a new transit convenience measure was developed based on the reality data. It is expected that this measure can be used as a means of quantitative analysis in civil planning such as a traffic policy or local policy.

• Management & Information Systems Review
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• v.32 no.2
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• pp.47-58
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• 2013

This study analyzes on payment difference of users in sex, age, region using 23-months data by a university medical center to figure out factors which help to hospital management. The meaningful results of this study as follow. First of all, there is not statistically significant difference between men and women. Secondly, the researcher categorizes users under 40s into group A and 40s users into group B, those in 60s or older into group C. Then, researcher accepted H2 that there might be a difference on the age range of users in each group. Finally, In the results on difference analysis of the payment, there is only statistical difference between Busan and Ulsan Gyeongnam. These results is expected to provide basic information for efficient management of medical center.

• Journal of the Korea Institute of Building Construction
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• v.20 no.2
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• pp.163-169
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• 2020

Construction is a typical labor-dependent industry. However, problems related to wage payment, which directly affects the livelihood of workers, have caused other problems in maintaining skilled workers, such as increasing the turnover rate of skilled workers, resulting in a shortage of skilled workers. Against this backdrop, this study was conducted to develop measures to improve the conventional wage payment systems in order to prevent skilled workers from leaving their jobs and to maintain them as workers. It is necessary to make the registration of non-registered small-sized construction companies in Korea mandatory, and to introduce means by which construction companies that hire workers through non-registered agents can be penalized. In addition, the project bank account (PBA) system used in the domestic banking sector can be benchmarked in operating payment systems, an approach that is expected to effectively prevent delayed wage payments in the construction industry.

• 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.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.22 no.6
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• pp.514-523
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• 2021

Recently, the proliferation of mobile simple payment services has been increasingly affecting people's lives. In addition, the increase in research from both China and Korea shows that the continuous development of simple mobile payment services will be very important in the future. The blog posts mentioning Kakao Pay and Alipay were collected, and keyword analysis was performed to investigate differences in consumers' responses to Kakao Pay and Alipay on social media. The frequency of keywords for each part of speech and the frequency of co-occurred words mentioned in one sentence were analyzed. Specifically, common words that appear in both Kakao Pay and Alipay blogs were extracted. The cooccurred words were analyzed to examine how different reactions were made on the same subject. As a result of the analysis, there were concerns among consumers about the trust of Kakao Pay and Alipay's benefits. For a mobile payment service to become competitive, it is necessary to add various additional services or solve security problems.

• Proceedings of the SAREK Conference
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• 2008.06a
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• pp.214-219
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• 2008

In this study, medium capacity EHP and GHP for air-conditioning a building with a floor area of $1,200\;m^2$ are compared economically. To consider all the factors of initial and operation costs effectively, an annual equal payment method is proposed. For the initial cost, equipment, construction, installation, electric facility, financial subsidy and tax cut are considered. Basic electricity, energy(electricity and gas), space charge, labor, insurance and repair are considered for the operation cost. Under the assumptions made in this study, overall cost of EHP is less than that of GHP. However, different outcome may result if different assumptions are made. This study is useful for performing an economic evaluation of various air-conditioning systems.

• The Journal of Information Systems
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• v.30 no.1
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• pp.1-20
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• 2021

Purpose The purpose of this study is to deduct the motivative factors such as perceived value, trust, innovative resistance and flow from the pervious studies and to examine the effect of the motivative factors in the continued use of convenient payment service. Design/methodology/approach This study made a design of the research model by integrating the factors deducted from the Value-based Adoption Model and the Innovative Resistance Model with the factors deducted from the Flow Theory. Findings Results showed that perceived value had a significant effect on trust and innovative resistance. Moreover, trust had a significant effect on flow and continued use. Finally, innovative resistance and flow had a significant effect on continued use. However, the research model in this study was derived from a behavioral point of view, therefore, this model needs to combine the various factors of related fields.

• KDI Journal of Economic Policy
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• v.32 no.2
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• pp.171-216
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• 2010

With the payment and settlement systems becoming more and more complex and interconnected, the issue of their interdependency rises as an important academic issue as well as a policy topic. This study examines causes, forms, and risk management of interdependencies of payment and settlement systems in Korea, and presents their current situation. By way of simulations using BOF-PSS2 developed by the Bank of Finland, we quantify the effects of an operational disruption on the payment and settlement systems so as to figure out the degree of interdependency. As a result, the secondary round effect reaches up to ￦13.6 trillion a day, which amounts to 7.8% of the daily settlement value. Furthermore, if we also consider the amount of direct operational disruption, the volume of operational disruption occupies 22.3% of total value of the daily settlement, evidencing that the interdependencies of the payment and settlement systems in Korea is enormously widespread. The secondary round effects are found to be more severe with security companies rather than with banks, and to be more depended upon when it is perceived rather than it actually happens. In case that we expand the liquidity to include cash holdings and deposits as assets, the secondary round effect dramatically decreases in all types of financial institutions while foreign banks account for more share of all the secondary round effects increases. Based on these results, we suggest various policy tasks and directions to improve the risk management of settlement systems: expansion of off-setting settlements, introduction of a new settlement system for securities transactions, rapid provision of liquidity to financial institutions, more effective monitoring on participant institutions, and intensified information sharing and cooperation among the systems.

• The Journal of Society for e-Business Studies
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• v.9 no.1
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• pp.303-320
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• 2004

Smart card is a useful tool used in electronic payment systems and it is very important to test whether a smart card operates correctly. In this paper, we analyze previous researches on testing smart cards, such as ISO/IEC and KS standard documents, and Guideline of Card Quality Test. We also propose the functional test results done on the Highpassplus card of Korea Highway Corporation. By testing the Hipgpassplus card we can get card systems with reliable functionality and security. Furthermore, this can help developing more reliable security systems. The test results of the Highpassplus card proposed in this paper are the first research on testing smart cards in services in Korea and we expect that the test methods of smart card will be advanced based on our results.

• Journal of Intelligence and Information Systems
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• v.20 no.2
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• pp.163-178
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• 2014

Following research proposes "Virtualization of Smart Cards (ViSCa)" which is a security system that aims to provide a multi-device platform for the deployment of services that require a strong security protocol, both for the access & authentication and execution of its applications and focuses on analyzing Virtualization of Smart Cards (ViSCa) platform-based mobile payment service by comparing with other similar cases. At the present day, the appearance of new ICT, the diffusion of new user devices (such as smartphones, tablet PC, and so on) and the growth of internet penetration rate are creating many world-shaking services yet in the most of these applications' private information has to be shared, which means that security breaches and illegal access to that information are real threats that have to be solved. Also mobile payment service is, one of the innovative services, has same issues which are real threats for users because mobile payment service sometimes requires user identification, an authentication procedure and confidential data sharing. Thus, an extra layer of security is needed in their communication and execution protocols. The Virtualization of Smart Cards (ViSCa), concept is a holistic approach and centralized management for a security system that pursues to provide a ubiquitous multi-device platform for the arrangement of mobile payment services that demand a powerful security protocol, both for the access & authentication and execution of its applications. In this sense, Virtualization of Smart Cards (ViSCa) offers full interoperability and full access from any user device without any loss of security. The concept prevents possible attacks by third parties, guaranteeing the confidentiality of personal data, bank accounts or private financial information. The Virtualization of Smart Cards (ViSCa) concept is split in two different phases: the execution of the user authentication protocol on the user device and the cloud architecture that executes the secure application. Thus, the secure service access is guaranteed at anytime, anywhere and through any device supporting previously required security mechanisms. The security level is improved by using virtualization technology in the cloud. This virtualization technology is used terminal virtualization to virtualize smart card hardware and thrive to manage virtualized smart cards as a whole, through mobile cloud technology in Virtualization of Smart Cards (ViSCa) platform-based mobile payment service. This entire process is referred to as Smart Card as a Service (SCaaS). Virtualization of Smart Cards (ViSCa) platform-based mobile payment service virtualizes smart card, which is used as payment mean, and loads it in to the mobile cloud. Authentication takes place through application and helps log on to mobile cloud and chooses one of virtualized smart card as a payment method. To decide the scope of the research, which is comparing Virtualization of Smart Cards (ViSCa) platform-based mobile payment service with other similar cases, we categorized the prior researches' mobile payment service groups into distinct feature and service type. Both groups store credit card's data in the mobile device and settle the payment process at the offline market. By the location where the electronic financial transaction information (data) is stored, the groups can be categorized into two main service types. First is "App Method" which loads the data in the server connected to the application. Second "Mobile Card Method" stores its data in the Integrated Circuit (IC) chip, which holds financial transaction data, which is inbuilt in the mobile device secure element (SE). Through prior researches on accept factors of mobile payment service and its market environment, we came up with six key factors of comparative analysis which are economic, generality, security, convenience(ease of use), applicability and efficiency. Within the chosen group, we compared and analyzed the selected cases and Virtualization of Smart Cards (ViSCa) platform-based mobile payment service.