• 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.

• The Journal of the Korea Contents Association
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• v.19 no.5
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• pp.194-204
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• 2019

The mobile payment app market has been expanding recently. However, the usage rate of mobile payment apps is not meeting service providers' expectations due to concerns about security and privacy. This study investigated how personal predisposition and how the security signals of the payment app affect users' perceived privacy and security risks, and how these factors ultimately affect the trust of mobile payment apps. The results showed that privacy concerns increase the risk of perceived personal information leaks and reduce perceived mobile system security, while familiarity, perceived reputation, and assurance seal reduce the risk of perceived personal information leaks and increase perceived mobile system security. Finally, it revealed that the reduced risk of perceived personal information leaks and the increased security of mobile systems had a positive impact on the reliability of mobile payment apps.

• International Journal of Contents
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• v.15 no.4
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• pp.82-88
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• 2019

The purpose of this study was to investigate the key factors that influence consumers' preference for mobile payment in China. China has been quietly experiencing a third technological revolution that has markedly changed the way of life for its people. We used the structural equation modeling with 573 Chinese people to investigate the mobile-payment system in China based on the technology acceptance model. We found that factors such as value of service, security, convenience, and perceived usefulness have an impact on consumer satisfaction, and that satisfaction supports consumer purchasing. Also, it is possible to conclude that this proven instrument will assist researchers to further develop and refine mobile-payment research models.

• Journal of the Korea Society of Computer and Information
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• v.21 no.2
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• pp.61-69
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• 2016

In this paper, we propose the authentication server system that prevent hacking in In-app billing applications. And we also propose the methods to verify electronic receipt for the payment of internal app payments and to check the integrity of the applications. Then we designed the payment metabolic system that checks between products-offer list and paid subscription if payment system is hacked with new hacking technologies different from existing ones. And then we implemented proposed authentication system and experimented with about 10,000 average internal application payments per an hour. It shows that proposed system has defensive techniques that counter attacks against in-app billing but it takes more than 0.8916 seconds than no-certification system that is considered as relatively short time.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2013.05a
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• pp.267-270
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• 2013

Hacking damage is increasing year by year in the Internet payment service credit card applying the digital signature method of PKI-based first domestic, secure payment, was 180 million won in 2012. Revenues have soared for phishing that Smishing using smartphone after entering 2013. Hacking accident to the secure payment system using Smishing has occurred took over personal information and financial direct damage. In this paper, we analyzed for Smishing, to prevent the damage of secure payment using Smishing to study the hacking attack of secure payment. In addition, it would be studies to allow through the smartphone, online payment safer and more convenient.

• International Journal of Computer Science & Network Security
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• v.24 no.3
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• pp.1-11
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• 2024

Payment systems are evolving, and this study examines how blockchain and AI improve online transactional security and service quality. The study examines micro and macro payment systems, compares online, and offline methods all over the world. The study also examines how blockchain and AI affect payment system security, privacy, and efficiency globally and rapidly digitizing economy. Digital payment methods are growing all over the world with high literacy and digital engagement, but they face challenges. The research highlights cybersecurity threats and the need to balance user convenience and security. It suggests blockchain and AI improve online payment services, supporting the policies for different countries. In this extensive research survey, we compare and evaluate the strengths and weaknesses of various payment systems, their practicality, and their robustness. This study also examines how technological innovations and payment systems interact to reveal how blockchain and AI could transform the financial sector. It seeks to understand how technology-enhancing service quality can boost customer satisfaction and financial stability in the digital age. The findings should help policymakers, financial institutions, and technology developers optimize online payment systems for a more secure and efficient digital economy.

• Journal of Preventive Medicine and Public Health
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• v.33 no.4
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• pp.393-401
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• 2000

Objectives : To evaluate the impacts of the DRG payment system on the behavior of medical insurance claimants. Specifically, we evaluated the case-mix index, the numbers of diagnosis and procedure codes utilized, and the corresponding rate of diagnosis codes before, during and after implementation of the DRG payment system. Methods : In order to evaluate the case-mix index, the number of diagnosis and procedure codes utilized, we used medical insurance claim data from all medical facilities that participated in the DRG-based Prospective Payment Demonstration Program. This medical insurance claim data consisted of both pre-demonstration program data (fee-for-service, from November, 1998 to January, 1999) and post-demonstration program data (DRG-based Prospective Payment, from February, 1999 to April, 1999). And in order to evaluate the corresponding rate of diagnosis codes utilized, we reviewed 820 medical records from 20 medical institutes that were selected by random sampling methods. Results : The case-mix index rate decreased after the DRG-based Prospective Payment Demonstration Program was introduced. The average numbers of different claim diagnosis codes used decreased (new DRGs from 2.22 to 1.24, and previous DRGs from 1.69 to 1.21), as did the average number of claim procedure codes used (new DRGs from 3.02 to 2.16, and previous DRGs from 2.97 to 2.43). With respect to the time of participation in the program, the change in number of claim procedure codes was significant, but the change in number of claim diagnosis codes was not. The corresponding rate of claim diagnosis codes increased (from 57.5% to 82.6%), as did the exclusion rate of claim diagnosis codes (from 16.5% to 25.1%). Conclusions : After the implementation of the DRG payment system, the corresponding rate of insurance claim codes and the corresponding exclusion rate of claim diagnosis codes both increased, because the inducement system for entering the codes for claim review was changed.

• The Journal of Fisheries Business Administration
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• v.50 no.1
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• pp.1-15
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• 2019

Offshore trap fishery managers have payed in advance to attract excellent fishing crew in the minium grantee lay system. This practice can intensify competition among fishery management bodies and increase the burden of fishery manager about income tax and four social insurance programs. The purpose of this study is to identify the problems of advance payment practice in terms of fishery manager in offshore trap fishery. The main results of this study are as follows. First, under the TYPE 1 model, which is the current wage payment manner, there is a risk that fishery manager will not able to return the prepayment paid in advance when the income of fishery management bodies decrease. Second, the TYPE 2 or the TYPE 3 model which reduces or abolishes advance payment can alleviate the burden of fishery manager relative to the deduction of redemption amount, incentive to induce artificial expenses, income tax and four social insurance programs. In conclusion, advance payment practice in offshore trap fishery is placing a heavy burden on the fishery manager. In order to solve these problems in the future, we need to find solutions through similar case studies.

• The Journal of the Korea Contents Association
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• v.19 no.5
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• pp.426-442
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• 2019

This study identifies possible determinants that may have influences on the switching behavior from the current payment system of credit or check cards to the easy payment service based on push-pulling-mooring model. And this research empirically tests how those determinants affect switching intention to the easy payment service. The moderating effect of policy expectation is also taken into account. The findings show switching intention to the easy payment service is influenced by the followings: dissatisfaction with the current payment system as a pushing factor, perceived easy of use and trust in easy payment service as pulling factors, and affective/cognitive inertia and unfavorable subjective norm as mooring factors. The results also show that moderating effect of policy expectation exists in the relationship between perceived ubiquitousness and switching intention.

• Journal of Korean Society of Rural Planning
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• v.12 no.4 s.33
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• pp.115-123
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• 2006

The direct payment program for rural landscape conservation in practice since 2005. Recently it is the policy or plan of direct payment for rural landscape conservation attracts great interests as they may help rural people who are very disadvantaged. This paper presents the status of the direct payment program for landscape conservation in rural area and proposed improvements to the program as following; 1) to diversify the plant species, 2) to include other rural elements than plants, 3) to enlarge the areas of crop plantation, 4) to simplify and clarify application process. We sampled two pilot programs, one of spring flower crop and the other of autumn flower crop, and questionnaire surveyed visitors, local government officers and farmers in order to find problems and suggest improvements.