• International Commerce and Information Review
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• v.17 no.2
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• pp.41-65
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• 2015

Online firms collect consumers' private information, which serves as a valuable database for marketing activities. In order to encourage consumers to provide their private information, online firms offer high quality websites for consumers who provide private information. However, identity theft, phishing, and pharming, become critical social issues, consumers started to avoid providing their private information to online firms. Thus, consumers often provide false or limited information, which lacks value for practical use for the online firms. The main issue raised in this study is to discuss how online marketing activities has influence on consumers attitude and information providing behavior. From the result, this paper found that websites reputation had greatest impact on willingness of providing information. Also this study revealed that unauthorized use is the key factor for increasing distrust and avoidance of providing information.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.27 no.1
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• pp.115-128
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• 2017

The methods of electronic financial fraud continue to evolve. Various research and countermeasures have been proposed to counter this problem, but it is difficult to eradicate it. The purpose of this study is to analyze the risk of electronic financial fraud through MS Threat Risk Modeling and to propose the countermeasures against the electronic financial fraud. As a result of the analysis, it is confirmed that despite the difference of authentication methods, there is a high risk of pharming, and it is difficult to prevent attack by using only additional authentication means, device security or user authentication based security system. Therefore, this study suggests the introduction of preventive measures such as readjustment of transaction limit by security means, account authentication, and additional physical security measures. It also suggests the establishment and implementation of a comprehensive electronic financial fraud prevention policy through linkage of electronic fraud prevention system and improvement of public relations and user awareness.

• Journal of Advanced Navigation Technology
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• v.18 no.6
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• pp.569-575
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• 2014

Since 2009 the number of users of smart phones and tablet PC is growing exponentially. In particular Apple's iOS and Google's Android OS are the heart of this remarkable growth, most of smart phone and tablet PC are designed to operate based on these two OS. Such increasing use of smart devices has led to changes in the social environment that allows, without the constraints of time and place. However, such development does not supply only ease to do something, even compared to past, financial fraud and information leakage are easier than before by variety of new types of attack for example phishing, pharming, smishing and qshing. So according to this paper, analyzes for smishing attack, propose a countermeasure system of the technical way and proved its higher performance compare to the existing method.

• Journal of the Korea Society of Computer and Information
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• v.12 no.2 s.46
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• pp.171-180
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• 2007

The financial crime that used morale anger Phishing, Pharming, Vishing, SMiSing etc. will gain during recent cyber crimes. We are study systematically whether or not leakage of information and infringement can how easily occur to Phishing, Vishing, SMiSing using a social engineering technique and VoIP at these papers through experiment. A hacker makes Phishing, Vishing site, and test an information infringement process of a user through PiSing mail and a virus, a nasty code, Vishing, a SMiSing character, disarmament of Keylogger prevention S/W etc. as establish server. Information by Phishing, Vishing, SMiSing is infringed with leakage in the experiment results, and confirm, and test certified certificate and White List and a certified authentication mark, plug-in program installation etc. to prevention, and security becomes, and demonstrate. Technical experiment and prevention regarding Phishing of this paper and Vishing attack reduce the damage of information infringement, and be education for Ubiquitous information security will contribute in technical development.

• Journal of Service Research and Studies
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• v.5 no.1
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• pp.71-78
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• 2015

Created, but the development of mobile devices to have a margin of life have appeared in the opposite forces that are considered to be the target of financial crime and attacks them. Financial crime among crimes that target the smartphone SMS phishing, phishing, pharming, phishing, etc. voice and, in particular, a phenomenon that is growing a lot of SMS phishing is by nature a text message to your mobile. Ye Jin proactive rather than post responses in order to be safe from the SMS phishing attack individuals and businesses, and asset protection is even more important in the country. For this, the SMS phishing attack detected in advance and that can block the development program, it is necessary to deploy.

• The Journal of Korean Institute of Communications and Information Sciences
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• v.38B no.6
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• pp.492-500
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• 2013

The One-Time Password(OTP) Generator is used as a multi-factor authentication method to ensure secure transaction during e-Financial transaction in the bank and securities company. The OTP based e-Financial Transaction Verification Protocol ensures secure e-financial transaction through confirming the user's identity using OTP authentication information and counters not only Man-in-the-Browser(MITB) attacks but also memory hacking attacks. However, it is possible to generate correct OTPs due to potential of stealing sensitive information of the OTP generator through intelligent phishing, pharming, social engineering attacks. Therefore, it needs another scheme to prevent from above threats, and this paper proposes advanced scheme using Physical Unclonable Functions(PUFs) to solve these problems. First, it is impossible to generate the same OTP values because of the hysically unclonable features of PUFs. In addition, it is impossible to clone OTP generator with hardware techniques. Consequently, the proposed protocol provides stronger and more robust authentication protocol than existing one by adding PUFs in the OTP generator.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.16 no.9
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• pp.6282-6289
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• 2015

Today, there is an increasing number of cases in which certificate information is leak, and accordingly, electronic finance frauds are prevailing. As certificate and private key a file-based medium, are easily accessible and duplicated, they are vulnerable to information leaking crimes by cyber-attack using malignant codes such as pharming, phishing and smishing. Therefore, the use of security token and storage toke' has been encouraged as they are much safer medium, but the actual users are only minimal due to the reasons such as the risk of loss, high costs and so on. This thesis, in an effort to solve above-mentioned problems and to complement the shortcomings, proposes a system in which digital signature for Internet banking can be made with a simply bio-authentication process. In conclusion, it was found that the newly proposed system showed a better capability in handling financial transitions in terms of safety and convenience.

• Asia-pacific Journal of Multimedia Services Convergent with Art, Humanities, and Sociology
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• v.7 no.12
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• pp.955-963
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• 2017

Nowadays, fintech becomes the key technology of the mobile banking and payments. Financial market is moved to fintech-based non-face-to-face trade/payment from traditional face-to-face process in Korea. Core of this transition is the smartphones, which have several sensitive sensors for personal identifications such as fingerprint and iris recognition sensors. But it has some originated security risks by data path attacks, for instance, hacking and pharming. Multi-level certification and security systems are applied to avoid these threats effectively, while these protections can be cause of some inconvenience for non-face-to-face certifications and financing processes. In this paper, I confirmed that it have sensible differences correspond with the data connection paths such as WiFi networks and mobile communication networks of the smartphones, and I propose a gradual certification method which alleviates the inconvenience by risk-level definitions of the data-paths.

• The Journal of the Korea Contents Association
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• v.15 no.10
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• pp.607-615
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• 2015

Mosts user of internet and smart phone has certificate, and uses it when money transfer, stock trading, on-line shopping, etc. Mosts user stores certificate in a hard disk drive of PC, or the external storage medium. In particular, the certification agencies are encouraged for user to store certificate in external storage media such as USB memory rather than a hard disk drive. User think that the external storage medium is safe, but when it is connect to a PC, certificate may be copied easily, and can be exposed to hackers through malware or pharming site. Moreover, if a hacker knows the user's password, he can use user's certificate without restrictions. In this paper, we suggest secure management scheme of the private key file using a password of the encrypted private key file, and a USB Memory's hardware information. The private key file is protected safely even if the encrypted private key file is copied or exposed by a hacker. Also, if the password of the private key file is exposed, USB Memory's container ID, additional authentication factor keeps the private key file safe. Therefore, suggested scheme can improve the security of the external storage media for certificate.

• Journal of Service Research and Studies
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• v.5 no.2
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• pp.111-118
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• 2015

Although the development of mobile devices are made us a free life, they were displayed the subject of this financial crime and attacking forces in the other side. Among finance-related crime is become a serious crime that are targeting smartphones by SMS phishing, phishing, pharming, voice phishing etc. In particular, SMS phishing is increased according to phenomenon using the nature of a text message in the mobile. SMS phishing is become new crime due to the burden to the smartphone user. Their crime is also the advanced way from the existing fraud, such as making the malicious apps. Especially it generates loopholes in the law by a method such as using a foreign server. For safe from SMS phishing attacks, proactive pre-diagnosis is even more important rather than post responses. It is necessary to deploy blocking programs for detecting SMS phishing attacks in advance to do this. In this paper we are investigating the process of block types and block apps that are currently deployed and presenting the evaluation of the application of the detection block setting app.