• Information Systems Review
• /
• v.1 no.2
• /
• pp.41-54
• /
• 1999

지금까지 메타-몰에서의 지불처리 보안 방안을 살펴보았다. 사실상의 표준인 SET이 1인의 상인만을 대상으로 하고 있으므로, 여러 하부 몰을 거느리고 원-스톱 지불을 지원하는 메타-몰에는 그대로 적용할 수 없었다. 따라서, 메타-몰에서는 지불대표자의 개념을 도입하여 Meta-Malls Coordinator가 SET에서의 상인 역할을 하면서 Mall Operator들에 대해 주문정보를 전달하도록 하였다. 고객, Meta-Malls Coordinator, 금융기관 간에는 SET 규정을 따름으로써, 메시지의 기밀성, 인증, 무결성, 연결성을 확보하였다. 그리고, Meta-Malls Coordinator와 Mall Operator 간의 주문정보에 대한 인증과 무결성을 위하여 주문정보에 전자서명을 하도록 하였으며, 전자서명의 Refreshness를 위하여 Challenge를 주고 받을 수 있도록 주문확인과 주문통지의 두 번의 메시지 전달단계를 정의하였다. 동시에, 주문확인 메시지는 재고확인 등의 판매 가능성 여부를 확인하는 절차를 겸하도록 하였다. 본 방법론은 SET을 메타-몰에 적용하는 방안으로서 구현 되었으나, SET이외의 지불방법론에 대해서도 동일하게 적용될 수 있다. 현재 (주)메타랜드(http://www.metaland.com)가 실제 고객들을 대상으로 이러한 지불정보 보안체계를 갖는 메타-몰 구조의 전자쇼핑몰을 운영 중에 있다.

• Proceedings of the Korea Society for Industrial Systems Conference
• /
• 2008.10b
• /
• pp.164-169
• /
• 2008

The increasing late-payment rate of credit card customers caused by a recent economic downturn are incurring not only reduced profit of department stores but also significant loss. Under this pressure, the objective of credit forecasting is extended from presumption of good or bad customers to contribution to revenue growth. As a method of managing defaults of department store credit card, this study classifies credit delinquents into some clusters, analyzes repaying patterns of customers in each cluster, and develops credit forecasting system to manage delinquents of department store credit card using data of Korean D department store's delinquents. The model presented by this study uses Kohonen network, a kind of artificial neural network of data mining techniques to cluster credit delinquents into groups. Logistic regression model is also used to predict repayment rate of customers of each cluster per period. The accuracy of presented system for the whole clusters is 92.3%.

• Proceedings of the Korea Association of Information Systems Conference
• /
• 2004.11a
• /
• pp.444-453
• /
• 2004

This research investigates the rising new role of mileage system as private e-money in a exploratory study. The key research questions are 'How does mileage system evolve with expansion of e-business and what are the cases for real experiences in 'money-like' mileage and their implications?' This research focuses on the proposition that mileage points created in commercial transactions as a royalty program are observed to serve a new role as payment tool. In an attempt to identify factors that determine mileage system as private money, we employ three factors: confidence, transaction cost, and monetary freedom. Also, this research proposes a direction for further research and follow-up studies to establish legal and institutional issues and the relevant architecture, all of which are essential elements to make the mileage points global money with a certain trade ratio in the near future.

• The Journal of Information Systems
• /
• v.30 no.1
• /
• pp.105-121
• /
• 2021

Purpose Today, through digital services, many people enjoy a conveient and comfortable life. Nevertheless, it is easy to find people in our daily lives who are buried in work without any payment that we did not do before digital services. Such un-payed works under digital environment are called digital shadow works. The purpose of this study is to classification and dynamics of digital shadow works and to suggest research direction. Design/methodology/approach Based on two dimension, voluntary participation ('should' type and 'want' type) and work orientation (management-operation), digital shadow works were classified into four categories - chore, makeup, routine, and quest. Findings In digital shadow work there are four types of dynamics - routine and quest, makeup and chore, makeup and quest, and quest and actions in offline. According to the classification and analysis of dynamics, three research directions in digital shadow work are suggested and discussed- digital shadow works operation mechanism considering dynamics, expansion of existing user theories based on survey method by digital shadow works and social influences by digital shadow works.

• Journal of Korean Library and Information Science Society
• /
• v.32 no.1
• /
• pp.171-200
• /
• 2001

Electronic Copyright Management System is the technical solution to protect copyright and to manage the distribution of digital contents in network environment. This paper examined the theoretical plane of Electronic Copyright Management System and analyzed the characteristics and the protection technologies of some of the commercial systems. And this paper investigated the essential protection technologies and payment systems that is needed to develop and manage the successful system in the future. Finally this study suggested the fundamental function model of Electronic Copyright Management System.

• Asia pacific journal of information systems
• /
• v.28 no.4
• /
• pp.290-307
• /
• 2018

In this research, we study the impact of the factors that predict consumer loyalty of mobile payments and mobile wallets usage in Thailand. We developed a research model based upon previous findings where we propose and examine four constructs of personal innovativeness, consumer attitudes, consumer satisfaction and loyalty. In general, all of the hypotheses were supported by variables related to consumer loyalty with mobile wallet usage. Personal innovativeness analyzed due to its potential mediation effect on loyalty, both from attitudes and from satisfaction. It was found that personal innovativeness was a mediator construct in predicting consumer loyalty. The overall model provides value to the mobile payment and mobile wallet application providers in term of improving service efficiency and business strategies to secure Thai consumer loyalty.

• Proceedings of the Korea Information Processing Society Conference
• /
• 2018.05a
• /
• pp.28-31
• /
• 2018

이 연구에서는 효율적인 입, 출금 관리를 위해 기존 어플리케이션들의 불편함을 개선한 '입, 출금 관리시스템을 설계 및 구현하였다. 기존 출납관리 어플리케이션은 모든 내역을 사용자가 직접 입력하고 관리하는 방식으로 구현되어 있어서, 다수의 수입, 지출, 이체내역을 직접 입력해야하기 때문에 불편함과 오류들이 발생한다. 또한 남아있는 돈이 어느 계좌에 얼마나 남았는지 알 수 없는 문제점과 동일 은행에 2개 이상의 카드가 있는 경우 인식이 불가능하다는 문제점 역시 발생한다. 이런 문제점들을 개선하기 위해 계좌마다 보유액을 표시하도록 하고, 은행과 카드정보를 연결시켰다. 추가적으로 영수증의 텍스트를 인식해 내역을 저장함으로써 효율적으로 입, 출금 내역을 관리할 수 있도록 하였다. 본 어플리케이션의 기능은 크게 영수증 글자입력을 통한 내역추가, 사용자의 자산내역관리, 계좌 & 체크카드 연동, 더치페이 시스템 등이 있다. 영수증을 카메라로 찍어 필요 정보를 구별해 인식하고 지출 내역을 추가한다. 지출 내역을 추가할 때 필요에 따라 다른 사람들과 내역을 공유할 수 있다. 이 시스템을 통해 사용자는 더욱 쉽고 간편하게 입, 출금내역을 관리할 수 있을 것으로 보인다.

• Journal of Intelligence and Information Systems
• /
• v.29 no.3
• /
• pp.361-381
• /
• 2023

Research on corporate bankruptcy prediction has been focused on financial information. Since the company's financial information is updated quarterly, there is a problem that timeliness is insufficient in predicting the possibility of a company's business closure in real time. Evaluated companies that want to improve this need a method of judging the soundness of a company that uses information other than financial information to judge the soundness of a target company. To this end, as information technology has made it easier to collect non-financial information about companies, research has been conducted to apply additional variables and various methodologies other than financial information to predict corporate bankruptcy. It has become an important research task to determine whether it has an effect. In this study, we examined the impact of electronic payment-related information, which constitutes non-financial information, when predicting the closure of business operators using electronic payment service and examined the difference in closure prediction accuracy according to the combination of financial and non-financial information. Specifically, three research models consisting of a financial information model, a non-financial information model, and a combined model were designed, and the closure prediction accuracy was confirmed with six algorithms including the Multi Layer Perceptron (MLP) algorithm. The model combining financial and non-financial information showed the highest prediction accuracy, followed by the non-financial information model and the financial information model in order. As for the prediction accuracy of business closure by algorithm, XGBoost showed the highest prediction accuracy among the six algorithms. As a result of examining the relative importance of a total of 87 variables used to predict business closure, it was confirmed that more than 70% of the top 20 variables that had a significant impact on the prediction of business closure were non-financial information. Through this, it was confirmed that electronic payment-related information of non-financial information is an important variable in predicting business closure, and the possibility of using non-financial information as an alternative to financial information was also examined. Based on this study, the importance of collecting and utilizing non-financial information as information that can predict business closure is recognized, and a plan to utilize it for corporate decision-making is also proposed.

• Proceedings of the CALSEC Conference
• /
• 2003.09a
• /
• pp.261-267
• /
• 2003

This study deals with controversial issues surrounding the today′s cyber-taxation and recommends feasible consumption tax system architecture titled Global Electronic Tax Invoice System (GETI). The GETI is an electronic consumption tax architecture to provide "all-in-one" tax and e-payment services through a trusted third party (TTP). GETI is designed to streamline the overall cyber-taxation process and provide simplified and transparent tax invoice services through an authorized np. To ensure information security, GETI incorporates public Key infrastructure (PKI) based digital certificates and other data encryption schemes when calculating, reporting, paying, and auditing tax in the electronic commerce environment. GETI is based on the OECD cyber-taxation agreement that was reached in January 2001, which established the taxation model for B2B and B2C electronic commerce transactions. For the value added tax systems, tax invoice is indispensable to commerce activities, since they provide documentations to prove the validity of commercial transactions. As paper-based tax invoice systems are gradually phased out and are replaced with electronic tax invoice systems, there is an increasing need to develop a reliable, efficient, transparent, and secured cyber-taxation architecture. To design such architecture, several desirable system attributes were considered -- reliability, efficiency, transparency, and security. GETI was developed with these system attributes in mind.

• The Journal of Information Systems
• /
• v.17 no.3
• /
• pp.153-174
• /
• 2008

Mobile commerce is defined as any direct or indirect transaction conducted and facilitated through a wireless telecommunication network such as payment, ticketing, auction and mobile banking. Despite the importance of mobile commerce, there have not been so many academic studies on the unique characteristics of mobile commerce environments. In this study, our research model is developed based on TAM(Technology Acceptance Model) to investigate the user's technology acceptance process in mobile commerce environment. The factors, such as ubiquity, compatibility, perceived usefulness, perceived ease of use, cost, security, attitude and behavior intention for mobile commerce were selected from pier study in information systems area. The data for empirical analysis of the research model is collected online-questionnaire of 167 mobile commerce users in South Korea. The hypotheses were analyzed using SPSS 15.0 and AMOS 7.0. The results of our study show that: (1) compatibility, perceived usefulness and security had influences on the attitude whereas perceived ease of use and cost did not have any significant impact on the attitude, (2) compatibility influenced perceived usefulness whereas perceived ease of use did not, and finally (3) ubiquity, perceived usefulness and attitude had considerable influences on intention for mobile commerce. Therefore, practitioners should focus on enhancing security, quality of contents and services as well as offering what mobile commerce users want. The results of this study may useful for academicians and practitioners alike.