• ETRI Journal
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• v.39 no.1
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• pp.135-144
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• 2017

Recently, mobile phones have been recognized as the most convenient type of mobile payment device. However, they have some security problems; therefore, mobile devices cannot be used for unauthorized transactions using anonymous data by unauthenticated users in a cloud environment. This paper suggests a mobile payment system that uses a certificate mode in which a user receives a paperless receipt of a product purchase in a cloud environment. To address mobile payment system security, we propose the transaction certificate mode (TCM), which supports mutual authentication and key management for transaction parties. TCM provides a software token, the transaction certificate token (TCT), which interacts with a cloud self-proxy server (CSPS). The CSPS shares key management with the TCT and provides simple data authentication without complex encryption. The proposed self-creating protocol supports TCM, which can interactively communicate with the transaction parties without accessing a user's personal information. Therefore, the system can support verification for anonymous data and transaction parties and provides user-based mobile payments with a paperless receipt.

• International Journal of Human Ecology
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• v.13 no.1
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• pp.129-145
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• 2012

The purpose of this study was to investigate housing cost burden of U.S. households according to current and previous tenure types and explore influences on their housing affordability. The public-use microdata of the 2009 American Housing Survey was analyzed in the following two stages: In the first stage, households were classified into eight groups by combining their current and previous tenure types, year moved into current housing units and mortgage status of current owners and their characteristics were compared. In the second stage, the factors that influenced the housing cost burden by each combined tenure group were explored using multiple regression analyses. The findings are as follows: (1) The mortgage status was more influential than the previous housing experiences of owner households to distinguish one owner household from another. (2) Renter households who had been owners of previous housing units showed significantly different characteristics compared to continuing and new renter households in terms of income, educational attainment, and householder's marital status as well as housing costs and housing cost burdens. (3) To see the multiple regression analysis results, households with different current and previous tenure types were found to have different factors that influenced the housing cost burdens. In addition, household characteristics were found to have significant influences on housing cost burdens as strong as cost-related variables such as annual mortgage payments and rent per square footage.

• The Korean Journal of Community Living Science
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• v.12 no.2
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• pp.47-59
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• 2001

The purpose of this study was to examine the factors affecting financial satisfaction of rural housewives. Data for this study were collected from 202 households living in 8 provinces. The results were as follows; 1) The most frequent financial problems experienced from expenditures on clothes(82.1%), lack of expense for social intercourse (61.47), and difficulty in purchasing durable goods(60.1%) in the order. 2) 44.6% of the respondents said they were satisfied with their net worth, and 21.6% of them confessed they had difficulties in debt redemption while 52.5% of them said they felt pressure about monthly payments of installments, which reveals that farm households find it hard to pay back short-term debt. 3) The path analysis was adopted to see the causal relations among the variables influenced the financial satisfaction. The variables of experiences of economic problems, educational background(graduated from middle school), saving, income, and age appeared to be important in the order of effectiveness. Among them, the variables of saying and experiences of economic problems showed a direct effect, and those of age and saving displayed an indirect effect with the experiences of economic problems as the parameter. From this findings, it is suggested that rural extension workers and educators should emphasize the importance of the financial plan in their educational programs.

• The Korean Journal of Food And Nutrition
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• v.32 no.6
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• pp.730-737
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• 2019

The purpose of this study was to derive practical improvement measures for the food traceability system that could improve food reliability and secure food safety. To this, in our survey May-June, 2019, 567 adult males and females were analyzed for recognition and experience of the food traceability system, measures to improve the system, and intention to make additional payments to improve the system. In the case of a food safety accident, 2.54 of 5 points were given on if the food was recalled or not. Approximately 77.4 percent of the respondents had never seen indication of a food traceability system, and approximately 93.8 percent had no access to, or experience with, using the system. Most respondents said that the food traceability system should be applied to items that need to be applied. As the volume of data that is recorded and managed by the government is recognized as high, improvement is needed. Finally, it was analyzed that the company intends to pay an additional 1.34% on average to expand its food traceability system. A more sophisticated cost analysis is needed to apply the improvements proposed to complement the plans that are acceptable to consumers and the industry.

• Asian Pacific Journal of Cancer Prevention
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• v.14 no.11
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• pp.6985-6989
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• 2013

Background: This study aimed to examine out-of-pocket expenditure for cancer treatments of hospitalized patients and to analyze changing patterns over time. Materials and Methods: This study examined data of all cancer patients receiving inpatient care from two tertiary hospitals from January 2003 to December 2010. Medical expenditures per admission were calculated and classified into those covered and uncovered by the Korean National Health Insurance (NHI) and co-payment. Results: The medical expenditure per admission increased slowly from 3,455 thousand Korean won (KRW) to 4,068 thousand KRW. While expenditures covered by the NHI have increased annually, co-payments have generally decreased. The out-of-pocket expenditure ratio, which means the proportion of uncovered expenditure and co-payment among total medical expenditure dropped sharply from 2005 to 2007 and was maintained at a similar level after 2007. Medical expenditures, NHI coverage, and the out-of-pocket expenditure ratio differed across cancer types. Conclusions: It is necessary to continually monitor the expenditure of uncovered services by the NHI, and to provide policies to reduce this economic burden. In addition, an individual approach considering cancer type-specific characteristics and medical utilization should be provided.

• 한국사회복지학회:학술대회논문집
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• 2005.04a
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• pp.387-411
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• 2005

The purpose of this article is to analyse the expenditure structure of the welfare mix; in order to grasp the holistic feature of the Korean social welfare. Most of all, the article attempts to elaborate the estimation methods of social welfare expenditure by including the components from which has been excluded so far - indirect tax expenditure of the government, nursery payments of households, life insurance pay-outs for survivors, inter-household private income transfers and the value of caring work of the family. In so doing, the article estimates that the total social welfare expenditure including state, enterprise, market, NPOs and family reached at 24.7% of GDP in 2000, which is approximately 2.5 times more than public social welfare expenditure. It implies that non-state, private sectors dominates the structure of social welfare provisions in Korea. In addition, based on the analyses of the expenditure structure, the article defines the main feature of Korea's welfare mix as the 'mixed structure of the welfare mix dominated by the protective family', or 'expanded public sector, relatively limited market, and protective family'. Such a family-dominated welfare mix structure in Korea indicates that the fundamental source of solidarity of the Korean social welfare system is family and, therefore, the welfare regime of Korea can be classified as 'Conservative'.

• Journal of Agricultural Extension & Community Development
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• v.13 no.2
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• pp.357-373
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• 2006

The study aims to explore the individual and group agreement of the direct payment of less-favored areas in Japan. This study was conducted by literature review, specialist interview and field visiting. The results of this study were as follows. First, direct payment policy in Japan was consisted of three components which were to maintaining multiple functions, to reorient agriculture sector, and to revitalizing the community activities. Second, the purposes of direct payments with conversion program is to reorient agriculture and revitalize the community activities which were changed from sustaining existing agriculture. Third, the conditions of group agreement is to make a agreement that a group of farmers should make a five-year agreement stipulating activities necessary to prevent the abandonment of farmland and to be more than one hector, and good agricultural practice or other activities favorable or friendly to environment should be implemented. As individual and group agreement, the land area of direct payment was 662,000 ha in less favored areas. In conclusion after direct payment in less favored areas, the abandonment of farmland was mitigated, and the agricultural production activities and community activities had become more vigorous through the discussion for planning their own land in the village.

• Journal of the Korean Data and Information Science Society
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• v.28 no.6
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• pp.1313-1325
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• 2017

Economic statistics such as GDP, consumer prices, balance of payments, and unemployment rates are regularly measured over time. One of the best way to understand economic statistics is to visualize economic statistics as a picture. This makes it easier to grasp patterns of economic statistics and to communicate with users. The web technologies and the visualization tools make it possible to create dynamic and interactive visualization of economic statistics. Statistics Korea and the Bank of Korea provide various data visualization relating to official statistics such as infographics and dynamic charts. This paper presents an overview of visualization of Statistics Korea and the Bank of Korea. It also discusses a future direction to explore the visualization of Korean economic statistics.

• Journal of the Korean housing association
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• v.26 no.5
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• pp.53-60
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• 2015

This study is aimed at identifying and evaluating the current operating model of elderly group homes in Korea, which were introduced with the amendment to the Welfare of the Aged Act in 2008, based on a survey of 25 managers of such homes. There are several key themes identified in the evaluation of their operation in terms of human resources, service, space and finance. The number of employees at the homes complied with the applicable law, with the majority having more employees than the minimum legal requirement for the care of residents. A wide variety of service programs were offered for residents. Typically located within detached houses purchased on the first floor, the homes varied in size from 73 square meters to 560 square meters, with each having a distinctly residence-like atmosphere. The greatest challenge such homes face was a shortage of financial resources. Many struggled to operate because they have no other source of revenue than payments from residents. Consequently, to help promote elderly group homes, there needs to be state-level support for the view that providing assistance for self-sufficient elders can save social costs in the long run by delaying their transition to a physical state requiring constant nursing.

• THE INTERNATIONAL COMMERCE & LAW REVIEW
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• v.13
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• pp.235-253
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• 2000

As to the sphere of application, Article 78 CISG undoubtedly applies to interest on the purchase price. Furthermore, the provision also applies to "any other sum that is in arrears". This language has been interpreted to encompass expenses that one party had on behalf of the other as well as reimbursements when the purchase price is reduced according to Article 50 CISG. However, it is questionable whether this language also extends to claims for damages. Legal scholars seem to agree that one has a right to interest on damage claims under Article 78 if the amount in question has been liquidated vis-a-vis the other party. Whether this right to interest also applies to unliquidated sums, is controversial, however. In this study, as a result of taking into account the puspose of Article 78, we could find the fact that regardless of whether the exact amount of damages has been specified yet, the breaching party still owes compensation to the other party from the time of the breach and, accordingly, the non-breaching party should be entitled to interest payments on the loss from that time. Consequently, Article 78 applies not only to liquidated but also to unliquidated damages.