• Title/Summary/Keyword: Payments

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Identity Verification in Financial Transactions Using a Stylus Pen (스타일러스 펜을 활용한 금융 거래에서의 본인 인증)

  • Kim, Hyun-Ji;Jang, Kyung-Bae;Kwon, Hyeok-Dong;Kim, Hyun-Jun;Seo, Hwa-Jeong
    • Journal of the Korea Institute of Information Security & Cryptology
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    • v.30 no.3
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    • pp.379-388
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    • 2020
  • As the use of credit cards increases, security threats increase. In particular, despite being vulnerable to related crimes, such as fraudulent use of credit cards and theft of names, there are virtually no security procedures to authenticate the validity of user while paying with the credit card. In order to overcome these limitations of current credit card payments, we add a process of signing payment using a stylus pen with built-in acceleration sensor in the existing transaction method, and classifying and comparing the image of the signature and signature information measured by the sensor through the convolutional neural network. we propose a method to improve security in financial transactions by performing the user authentication process through the possession of the stylus pen and the characteristic values of the signature.

Recovery of Waste Back Board and Gold from the Process of Printed Circuit Board (인쇄회로기판(印刷回路基板) 제조공정(製造工程)의 폐(廢) Back Board 및 금(金) 회수(回收))

  • Kim, Yu-Sang
    • Resources Recycling
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    • v.19 no.1
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    • pp.57-65
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    • 2010
  • Recently, we have investigated the recovery of resources from the waste material of manufacturing printed circuit board. As printed circuit board or chip has become light, small, high reliability, it is necessary to reuse and recover resources from them. Especially, the printed circuit board that has been used for important mobile electronic pans are plated with min.0.03 ${\mu}m$ to max.50 ${\mu}m$. As increasing the cost of gold, raw material, chemicals, payments and waste material, it has been accelerated the competition for reuse and recovery. But, it is insufficiency of technician and equipments for the recovery of effective resource. In this paper, as analyzing the technical trend of gold recovery and waste back board from the manufacturing process of printed circuit board, it may be effective of recycling, further more it may be contributed to develop the valuable resources.

A Stochastic Bilevel Scheduling Model for the Determination of the Load Shifting and Curtailment in Demand Response Programs

  • Rad, Ali Shayegan;Zangeneh, Ali
    • Journal of Electrical Engineering and Technology
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    • v.13 no.3
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    • pp.1069-1078
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    • 2018
  • Demand response (DR) programs give opportunity to consumers to manage their electricity bills. Besides, distribution system operator (DSO) is interested in using DR programs to obtain technical and economic benefits for distribution network. Since small consumers have difficulties to individually take part in the electricity market, an entity named demand response provider (DRP) has been recently defined to aggregate the DR of small consumers. However, implementing DR programs face challenges to fairly allocate benefits and payments between DRP and DSO. This paper presents a procedure for modeling the interaction between DRP and DSO based on a bilevel programming model. Both DSO and DRP behave from their own viewpoint with different objective functions. On the one hand, DRP bids the potential of DR programs, which are load shifting and load curtailment, to maximize its expected profit and on the other hand, DSO purchases electric power from either the electricity market or DRP to supply its consumers by minimizing its overall cost. In the proposed bilevel programming approach, the upper level problem represents the DRP decisions, while the lower level problem represents the DSO behavior. The obtained bilevel programming problem (BPP) is converted into a single level optimizing problem using its Karush-Kuhn-Tucker (KKT) optimality conditions. Furthermore, point estimate method (PEM) is employed to model the uncertainties of the power demands and the electricity market prices. The efficiency of the presented model is verified through the case studies and analysis of the obtained results.

A Study of Concurrency Control Scheme for Scalability of Blockchain Technology (블록체인 기법의 확장가능성을 위한 병행 수행 제어 기법에 대한 연구)

  • Kang, Yong-Hyeog
    • Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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    • 2017.10a
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    • pp.569-570
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    • 2017
  • Bitcoin-based blockchain technology provides an infrastructure that enables anonymous smart contracts, low-cost remittances, and online payments. However, the block-chain technology that implements the bitcoin has scalability constraints in tradeoffs between throughput and latency. To solve these problems, the Byzantine fault tolerant block-chain technique has been proposed. This technique improves throughput without increasing latency by selecting a leader and constructing many microblocks that do not contain proofs of work within the existing block by the leader. However, this technique may be less secure than existing techniques in selecting the reader. In this paper, we propose a technique for scalability of the blockchain technology by using microblock technology and parallel execution technique. Within one microblock there is information about several transactions. In the proposed scheme, the throughput of the microblocks can be increased by performing concurrently.

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(A New Offline Check System with Reusable Refunds) (거스름의 재사용이 가능한 새로운 오프라인 수표시스템)

  • 김상진;최이화;오희국
    • Journal of KIISE:Information Networking
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    • v.30 no.3
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    • pp.355-370
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    • 2003
  • In offline check systems, a client does not have to pay the exact amount. Instead, a client refunds the difference between the check value and the paid amount. In most offline systems, clients can not spend the remainder. But if the refund can be made spendable, it would provide a more convenient payment method. In this paper, we present a new offline system, which allows refunds to be reused as payments. In our system, the shop issues a new check using its private key for the difference. This new check, called the refund check, can be spent in the same way as checks issued by the bank. If the refund check is deposited to, or refunded at the bank, the bank charges the issuer of the check for the amount. The form of a check in this system is much simpler than previous check systems. It also uses a more flexible and efficient denomination method. The refund check is unlinkable to the check used in the payment where the refund check was issued. This system provides coin and owner tracing mechanisms to reinforce controls on illegal use of anonymous checks and was designed with consideration to the atomicity of transactions.

A Study on Health Insurance Coverage for Acupuncture Therapy in the Germany (독일에서의 침술 건강보험 급여화 사례 연구)

  • Kim, Dongsu;Park, Inhyo;Lim, Byungmook
    • Journal of Society of Preventive Korean Medicine
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    • v.23 no.3
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    • pp.109-119
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    • 2019
  • Background : Germany is the first country in the world to introduce modern systems of public health insurance, and the country which most widely uses complementary alternative medicine(CAM) in Europe. In early 21st century, a large evaluation studies were conducted to include acupuncture in health insurance payments, which were eventually decided. Objectives : This study is to investigate and analyze the process of public policy determination on insurance coverage for acupuncture in German health insurance system. Methods : We collected the data and information through the literature search and from the websites of German government departments and health insurance organizations. To obtain contextual information, German experts of health insurance and acupuncture clinical study were interviewed. Results : As use of acupuncture had been growing, German public health insurers wanted to evaluate the validity of acupuncture coverage and sponsored three evaluation projects for clinical effectiveness of acupuncture using randomized clinical trials, systematic reviews, and pragmatic trials from 2001 to 2005. For some pain condition, acupuncture was founded not to be effective than sham acupuncture, but more effective than standard care. The federal joint committee of health insurance decided to cover acupuncture for chronic pain of lumbar spine and chronic pain in at least one knee joint due to gonarthrosis. Conclusions : Considering the controversial subject matter in the process of acupuncture's health insurance coverage in Germany, expanding the benefits of Korean medicine in Korea needs to come up with ways to overcome the difficulties of placebo effect, standardization and lack of literature evidence.

Cost-benefit Analysis of Mandatory Prescription in Korea (의약분업의 비용-편익 분석)

  • Kim, Han-Joong;Park, Eun-Cheol;Kang, Hye-Young;Jee, Young-Keon
    • Journal of Preventive Medicine and Public Health
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    • v.33 no.4
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    • pp.484-494
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    • 2000
  • Objective : To evaluate the relative benefits and the costs associated with the introduction of the new pharmaceutical provision called 'Mandatory Prescription System' which separates the role of physicians from that of pharmacists with respect to the prescription and dispensation of from the perspective of consumers (i.e., patients). Methods : The costs of the system were measured by considering both direct and indirect costs. Direct costs included additional payments for ambulatory care and dispensing fees that occurred under the new system. indirect costs consisted of transportation expenses and costs related to time spent for physician consultation, waiting for the prescriptions to be filled, and extra traveling. Benefits identified in this study were the reduction of drug misuse and overuse, and the overall decrease in drug consumption among the Korean population. Sensitivity analysis was peformed for the inclusion of benefits for outpatients of hospitals, price elasticity, and increased fees for established patients. Results : The net benefit was estimated to be about minus 1,862 billion won and the benefit-cost ratio was 0.478. This indicates that the costs of 'Mandatory Prescription' outweigh its benefits, relative to the previous system. The sensitivity analysis results for all the variables considered in this study consistently showed the benefit-cost ratio to be less than 1. Conclusion : The results of this study suggest that implementing Mandatory Prescription System in Korea might be inefficient from the consumer's perspective. The results of this study do not coincide with the results of previous studies, presumably because of the differences in study design and in which items of costs and benefits were considered.

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The Recognition of Groups between the Korean National Health Insurance and the Private Health Insurance (국민건강보험과 민영의료보험에 대한 집단 간의 인식도 분석)

  • Im, Bock-Hee;Lim, Jeong-Do
    • The Korean Journal of Health Service Management
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    • v.5 no.2
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    • pp.157-172
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    • 2011
  • The purpose of this study is to provide basic information for improving medical security between the Korean National Health Insurance Corporation and the private health insurance in Pusan Metropolitan area by investigating of the recognition with the benefit groups. Questionnaires of 431 were taken between Feb. 11th and Feb. 25th 2008. The survey was carried out to gather information about SES and contents of insurance and recognition between the benefit group of the Korean National Health Insurance and the private health insurance on the financial conditions and the stability. The result of survey is as follows. First, there is a difference between the National Health Insurance and the private health insurance on the financial conditions and the stability of the Korean National Health Insurance. Second, there is a high score at the private health insurance on the financial conditions and the stability of the private health insurance. Third, privatizing of a National Health Insurance is high score at increase of the premium, medical payments of the National Health Insurance group and is high score at enhance of quality of medical service and decrease of loss of medical payment of the private health insurance group. Therefore, to provides more information and improved medical security with the benefit group. it is necessary for concerns to put more efforts in creating Conflicting vs. Complementing of systemic base.

Incidence of Nonfatal Unintentional Injuries among Students, and Compensation Payment for Five Years (2000~2004) in School, Seoul (서울시 초.중.고등학교에서 5년간(2000~2004년) 발생한 학생의 비의도적 손상 및 보상급여비 현황)

  • Shin, Sun-Mi;Lee, Hee-Woo
    • Journal of the Korean Society of School Health
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    • v.24 no.1
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    • pp.12-22
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    • 2011
  • Purpose: The purpose of this study was to identify incidence of nonfatal unintentional injuries (accidents) among students, and to investigate compensation payment for five years (2000~2004) in schools located in Seoul. Methods: Subjects were 14,783 students injured among elementary, middle and high school students. The accumulated data for 5 years (2000~2004) was from the Seoul School Safety and Insurance Association. Chi-square, ttest, logistic regression, and MANCOVA were conducted. Results: The most frequent accidents occurred among males (73.2%), and in special school students (3.86 per 1,000) followed by middle school students (3.05 per 1,000), in May (0.25 per 1,000) followed by June and October, in physical education classes (0.73 per 1,000) followed by special activities (0.40 per 1,000), recess (0.31 per 1,000) and lunch (0.29 per 1,000). Fractures (0.86 per 1,000) were followed by mild injuries (0.39 per 1,000), joint and ligament injuries (0.31 per 1,000), and teeth injuries (0.26 per 1,000). After adjusting for potential confounding variables, the highest means of final compensation payment was for burns (810 thousand KRW) followed by the teeth injuries (506 thousand KRW), cleaning injuries (550 thousand KRW) followed by injuries incurred during special activities (510 thousand KRW) and injuries incurred at special schools (556 thousand KRW). Conclusion: In school, the highest incidences of nonfatal unintentional injuries were in special schools, among males, fractures and physical education. However, the highest compensation payments were for burns, and injuries taking place at special schools and during cleaning hour. Proper health education including teaching healthy habits for safety/injury prevention is needed to prevent injuries and decrease compensation.

An analysis of the perceptions of dental implant plans in the Korean national health insurance and the dental clinic selection criteria among elderly patients in Hongseong-gun, Chungcheongnam-do (충청남도 홍성군관내 노인환자의 치과 임플란트 보험수급 인식도와 치과진료기관 선정 요건에 관한 분석)

  • Han, Min Soo;Kwon, Eun Ja;Choi, Esther
    • Journal of Technologic Dentistry
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    • v.43 no.3
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    • pp.124-131
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    • 2021
  • Purpose: This study aimed to investigate the perception of dental implant insurance supply and demand for the elderly living in Hongseong-gun and Chungcheongnam-do, as well as the selection criteria regarding dental clinics for dental implant treatment to collect basic data for improving the oral health of the elderly population. Methods: Participants living in Hongseong-gun, Chungcheongnam-do who were at least 55 years old from November 2020 to March 2021 were included in this study. The chi-square test was performed to examine the age-specific perception of insurance-covered dental implants (p<0.05). Results: The age group that was the most interested in implants was the 70s age group, and the difference between this age group and the other age groups was statistically significant. Those in their 70's, 80's, and 90's or older paid about 600,000 won including dental implants covered by insurance, and there was a significant difference (p<0.05). Those in their 60s, 70s, and 80s estimated the highest value of implants covered by insurance as two and showed a significant difference (p<0.05). The awareness of the dental implant insurance by age showed that all age groups, except for the ≥90 years age group, considered the insurance to be mediocre mostly due to the large co-payment (p<0.05). Conclusion: There were differences by age in the awareness of dental implant insurance, co-payments, number of applications, and insurance coverage. The perceptions on dental implant insurance by age showed that all age groups except for those over 90 years and older, they considered the insurance was just mediocre the most.