• 제목/요약/키워드: Payment Systems

검색결과 438건 처리시간 0.022초

일본의 소비자피해구제 행정체제 현황 및 평가: 한국과의 비교를 중심으로 (The trends and evaluations for Governmental system of redressing consumers' losses in Japan: comparison to Korea)

  • 허경옥
    • 가족자원경영과 정책
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    • 제8권1호
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    • pp.1-13
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    • 2004
  • This study examined in detail the Japanese system of redressing consumers' losses and the overall consumer administrative system and compared them with the Korean counterpart to seek for a direction of reforming the systems. Several policy suggestions could be made as follows to activate the systems and improve the performances of the consumer administration in both Japan and Korea. First, in Japan, consumer center must be efficiently operated while private consumer groups, firms, consumer agencies and other organizations must actively join to actively redress consumers' losses and implement other consumer policies. Second, in Korea, regional consumer policies are weak so that they must learn Japanese well-developed regional consumer administration system by examining their current development, strengths, and weaknesses. Third, working conditions must be urgently improved, increasing the number of consumer counselors who are involved in consumer policies as well as to guarantee minimum level of their payment. On the other hand, the trend of hiring married and old employees being responsible for implementing consumer policies in Japan must be improved. Fourth, divisions of works in consumer policies among consumer groups as well as their specialization in Korea are necessary. Finally, as counseling of consumers through internet were not available in Japan, that type of counseling must introduce and become more popular in the future.

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세션키를 이용한 효율적 소액지불시스템 (An Efficient Micropayment System using a Session Key)

  • 정윤수;백승호;황윤철;오충식;이상호
    • 한국정보과학회논문지:정보통신
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    • 제32권4호
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    • pp.462-470
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    • 2005
  • 해쉬체인은 계산속도가 빠른 해쉬함수를 이용하여 체인을 구성하는 구조이다. 이 구조를 이용하여 화폐를 만들면 해쉬연산만으로 화폐의 유효성을 확인할 수 있어 지금까지 주로 적은 금액이 빈번하게 교환되는 실명 거래 환경에서 응용되었다. 그러나, 소액지불과 같은 다양한 암호학 응용에 사용되고 있는 해쉬체인 기반 시스템들은 익명성으로 인하여 지불비용이 증가하는 문제점을 가지고 있다. 따라서, 이 논문에서는 지불비용이 증가하지 않도록 인출되는 과정에서 한번의 은닉서명으로 사용자의 익명성을 보장하며, 시스템에 사용하는 인증서의 역할을 세션키로 대체하여 효율성을 향상시킨 새로운 해쉬체인 기반 소액지불시스템을 제안한다.

핀테크 사용의도에 영향을 미치는 요인에 관한 연구 (A Study of the Factors Influencing on the Intention to Use Fintech)

  • 김은정;김주현;김종원
    • 한국정보시스템학회지:정보시스템연구
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    • 제26권1호
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    • pp.75-91
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    • 2017
  • Purpose Fintech has been recently drawing extensive attention all over the world as the innovative trend that will change the future of the global financial industry. However, fintech has been mostly focusing on the payment service in the embryonic stage in Korea. This paper will investigate the approach to increase the intention to use for those who do not use fintech at present. Design/methodology/approach This paper empirically analyzes the impact of innovation of users and the perceived ease-of-use and security on the intention to use through the perceived usefulness and confidence. The 255 survey responses were used to verify research hypotheses through covariate structural equation model. Findings According to the analysis results, it was found that innovation had a significant impact on the perceived usefulness, but had no significant impact on confidence. The perceived usefulness had a significant impact on perceived usefulness and confidence. Moreover, the perceived usefulness and confidence had a significant impact on the intention to use. Meanwhile, it was identified that the security perceived by those who do not use fintech had a negative impact on perceived usefulness, confidence, and intention to use related to fintech. Accordingly, fintech service providers need to determine an approach to help customers to have a positive perception on the security of fintech.

미국 시장지향 의료체계의 성과와 시사점 (The Performance and Implication of A Market-oriented Health Care System in United States)

  • 이기효
    • 한국병원경영학회지
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    • 제9권1호
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    • pp.1-21
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    • 2004
  • The United States has a unique health care system, which is unlikely any other health care systems in the world. The major part of basic functional components of the system -financing, insurance, delivery, and payment- is in private hands. A market-oriented economy invites the participation of numerous private entities that are interested in carrying out the key functions of health systems. Due to this central feature, U.S.health care is not delivered through a network of interrelated components designed to work together coherently. For lack of standardization, the various components of the system fit together only loosely. The involvement of numerous players in the key functions leads to duplication, overlap, inadequacy, inconsistency, and waste, which add to the complexity and also make the system inefficient. Hence, cost containment remains an elusive goals. Moreover, the system falls short of delivering equitable services to all americans, though consumption of health care services is the largest in the world. On the other hand, United States leads the world in the latest and the best in medical technology, medical training, and research. It offers some of the most sophisticated institutions, products, and processes of health care delivery. This article discuss the characteristic features of the U.S. health care system. and its performance, trying to seek its implication on Korean health care system.

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영국법상 선박 모게지 (Mortgages) 에 관한 연구 (A study on the Ship Mortgages in English Law)

  • 정선철
    • 한국항해항만학회:학술대회논문집
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    • 한국항해항만학회 2007년도 추계학술대회 및 제23회 정기총회
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    • pp.58-59
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    • 2007
  • 영국법상 선박 모게지 제도는 오랜 전통에 의하여 계승되었다. 고대로부터 대부는 해상 무역을 함에 있어서 자금이 부족한 선주로부터 요구되어졌다. 선박이라는 용어는 항해에 사용되는 모든 종류의 선박으로 정의되어지며 선박 모게지는 담보금융의 한 형태로서, 선박소유자는 대부를 위해 자기 선박을 저당 잡히고 선박의 소유권을 이전하므로 자금을 빌린다. 이 때 돈올 빌리는 선박소유자를 'mortgagor'(저당권설정자)라고 하고, 돈올 빌려주는 채권자를 'mortgagee'(저당권자)라고 말한다.

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핀테크 활성화를 위한 사용환경특성과 지속사용의도 (A Study on the Environment Characteristics and Continuous Usage Intention for Improvement of Fintech)

  • 정대현;장활식;박광오
    • 한국정보시스템학회지:정보시스템연구
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    • 제26권2호
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    • pp.123-142
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    • 2017
  • Purpose The development of the Fintech industry can be on the basis of the development in IT technologies such as Big data, IoT, cloud computing, it can be considered that the financial industry is repeating the evolution into Fintech. But the awareness of the consumers is still very low. Therefore the current dissertation, tries to deduce the suggestions for invigoration measures for Fintech by conducting an empirical study on the factors that influence the intention of reuse of Fintech on the consumer's point of view. Design/methodology/approach This study made a design of the research model by integrating the factors deducted from the Expectation Confirmation Theory. This paper empirically analyzes the impact of Continuous Usage Intention for Improvement of Fintech. The 302 survey responses were used to verify research hypotheses through covariate structural equation model. Findings According to the empirical analysis result, this study confirmed that the ultimate purpose of the Fintech service is to eliminate the social cost's waste element occurring from issue of money by not using or reducing the usage of cash. Since many Fintech users have pointed out security as the priority task, a direction for the related institutions has been proposed. Second, the content of the current dissertation will be the opportunity of broadening the perception of the current consumers that perceive Fintech as only a NFC simple payment service.

호스피스기관 간호사의 호스피스 법제화에 대한 인식 (Nurses' Perception on Hospice Law in Hospice Institutions)

  • 김기경;이정렬;김광숙;조윤희
    • 간호행정학회지
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    • 제14권3호
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    • pp.332-343
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    • 2008
  • Purpose: The purpose of this study was to investigate the nurses' perception on hospice law in hospice institutions using questionnaire and to recommend bill of hospice law. Method: The data were collected from 95 nurses who have experienced in hospice care using a self-completion questionnaire. To analyze prescriptive data, content analysis was done using an analysis scheme developed by the investigators. Results: The separate hospice law suggested was types and purpose of law, certification of patient, living will and right to attorney, staff, institutions, service, and payment. The analysis scheme consisted of 6 categories and 17 subcategories. 83 significant statements were analyzed and categorized. Hospice nurses indicated that their operation, financing, manpower, institution, patient right, drug management is needed to enact for bill. Conclusions: The results of this study on hospice law contents will contribute to build the national hospice system in Korea.

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Fuzzy Regression Model Using Trapezoidal Fuzzy Numbers for Re-auction Data

  • Kim, Il Kyu;Lee, Woo-Joo;Yoon, Jin Hee;Choi, Seung Hoe
    • International Journal of Fuzzy Logic and Intelligent Systems
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    • 제16권1호
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    • pp.72-80
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    • 2016
  • Re-auction happens when a bid winner defaults on the payment without making second in-line purchase declaration even after determining sales permission. This is a process of selling under the court's authority. Re-auctioning contract price of real estate is largely influenced by the real estate business, real estate value, and the number of bidders. This paper is designed to establish a statistical model that deals with the number of bidders participating especially in apartment re-auctioning. For these, diverse factors are taken into consideration, including ratio of minimum sales value from the point of selling to re-auctioning, number of bidders at the time of selling, investment value of the real estate, and so forth. As an attempt to consider ambiguous and vague factors, this paper presents a comparatively vague concept of real estate and bidders as trapezoid fuzzy number. Two different methods based on the least squares estimation are applied to fuzzy regression model in this paper. The first method is the estimating method applying substitution after obtaining the estimators of regression coefficients, and the other method is to estimate directly from the estimating procedure without substitution. These methods are provided in application for re-auction data, and appropriate performance measure is also provided to compare the accuracies.

지그비를 이용한 자동 주문 시스템 구현 (Implement of autometic demanding system using Zigbee)

  • 김성락;김금영;정광원;이희진;문병현;류정탁
    • 한국산업정보학회논문지
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    • 제13권5호
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    • pp.98-105
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    • 2008
  • 지그비통신 기술은 많은 전자통신시스템에 응용되고 있다. 본 논문은 지그비통신 기술을 이용한 임베디드 시스템개발에 관한 것이다. 본 논문에서 개발한 시스템은 지그비통신을 주문 시스템에 적용한 것이다. 그리하여 종업원에게서 혹은 계산대에서 주문하는 단계를 줄였다. 주문 단계가 줄어들었기 때문에 주문을 하면서 발생할 수 있는 실수를 줄였으며, 시간을 단축할 수 있게 되었고 이로 인해 손님이 붐비는 시간에 주문이 지연되는 것을 방지하였다. 또 주문과 결제가 개발된 프로그램 안에서 일괄 처리되며, 매출현황이 Database로 저장되어 따로 정리할 필요가 없게 되었다.

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국가과학기술경쟁력 제고를 위한 과학기술부 업무혁신 사례 - 연구비 집행절차 간소화 및 디지털화 - (A Case Study on the Business Innovation for increasing National Science and Technology Competitiveness power - Simplification and Digitalization of R&D Expenses Performance procedure -)

  • 김봉수;이은영;최운백;장보현
    • 한국디지털정책학회:학술대회논문집
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    • 한국디지털정책학회 2007년도 춘계학술대회
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    • pp.51-58
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    • 2007
  • Considering innovation a key to raising living standards, the Ministry of Science and Technology has put in place various measures meeting the needs of the newly promoted Deputy Prime Minister of Science and Technology. Such measures include business process reengineering as streamlining the work process to achieve the improvement in quality and efficiency: building the integrated performance management system to promote performance-or tented environment; and running the 1ifelong learning system for better competitiveness of government officials. Further to the innovation efforts at work, the number of steps of the R&D budget execution is streamlined from eight to five and its payment period is considerably reduced to 15 days from 60 days. In addition, the digitalized R&D budget management systems such as e-Contract System, One-click Processing Monitoring System, and Information Service System through Short Message Service (SMS) will contribute to improving R&D performance. And these systems are efficiently integrated into a portal interface named "Yeon-gu-ma-ru." The Ministry of Science and Technology, spearheading nationwide innovation, will continue efforts to make viable achievements of innovation.

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