• Journal of the Korea Institute of Information Security & Cryptology
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• v.28 no.6
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• pp.1475-1487
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• 2018

To verify remitter's identity when the remitter transfers money to a recipient using an electronic financial service provided by the financial institution, the remitter inputs the information; such as the withdrawal account number, the withdrawal amount, the password pre-registered with the financial company, or the information from authenticating medium that is previously distributed by the financial institution. However, the 1-Way transaction between the financial institution and the remitter is exposed to a great risk of accidents such as an anomaly remittance or a voice phishing fraud. Therefore, in this study, we propose a 2-WAY trade verification model for electronic financial transaction that can be mutually agreed by allowing the recipient to share the transaction information with the remitter and the financial company. We have improved the traditional electronic financial transaction's method by replacing it to 2-WAY trade method, and it is used for various purposes; such as preventing an error within the remittance or voice phishing fraud, enhancing loan transaction and contract transaction, etc. Through these variety of applications, we are expecting to reduce the inconveniences while improving the convenience of financial transaction and vitalizing the P2P transaction of financial institution.

• Electronics and Telecommunications Trends
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• v.28 no.3
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• pp.9-18
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• 2013

인터넷을 기반으로 하는 서비스가 활성화됨에 따라, 불순한 목적으로 악용하는 사례 또한 증가하고 있다. 특히 피싱 공격은 사회적인 문제로까지 확대되고 있으며, 대응방안 또한 대국민 교육 차원에서 전달되고 있다. 하지만, 새롭게 등장하는 액티브 피싱 공격은 기존의 대응방안으로는 해결할 수 없으며, 여러 보안 기술을 사용하더라도 해결할 수 없다는 점에서 심각하다. 본고는 액티브 피싱에 대한 소개와 함께, 기존의 대응방안과 여러 보안 기술들의 한계점을 제시한다. 그리고 액티브 피싱을 해결하기 위해 필요한 기술의 요구사항을 고찰한다.

• KSCI Review
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• v.14 no.2
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• pp.255-262
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• 2006

A Malicious code is used to SMiShing disguised as finance mobile Vishing, using Phishing, Pharming mail, VoIP service etc. to capture of personal information. A Malicious code deletes in Anti-Virus Spyware removal programs. or to cure use. By the way, the Malicious cord which is parasitic as use a DLL Injection technique, and operate are Isass.exe, winlogon.exe. csrss.exe of the window operating system. Be connected to the process that you shall be certainly performed of an exe back, and a treatment does not work. A user forces voluntarily a process, and rebooting occurs, or a blue screen occurs, and Compulsory end, operating system everyone does. Propose a treatment way like a bird curing a bad voice code to use a DLL Injection technique to occur in these fatal results. Click KILL DLL since insert voluntarily an end function to Thread for a new treatment, and Injection did again the Thread which finish an action of DLL, and an end function has as control Thread, and delete. The cornerstone that the treatment way that experimented on at these papers and a plan to solve will become a researcher or the revolutionary dimension that faced of a computer virus, and strengthen economic financial company meeting Ubiquitous Security will become.

• Journal of Internet Computing and Services
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• v.17 no.3
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• pp.11-18
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• 2016

Accessing unauthorized rogue APs in WiFi environments is a very dangerous behavior which may lead WiFi users to be exposed to the various cyber attacks such as sniffing, phishing, and pharming attacks. Therefore, prompt and precise detection of rogue APs and properly alarming to the corresponding users has become one of most essential requirements for the WiFi security. This paper proposes a new rogue AP detection method which is mainly using the installation information of authorized APs and the DHCP snooping information of the corresponding switches. The proposed method detects rogue APs promptly and precisely, and notify in realtime to the corresponding users. Since the proposed method is simple and does not require any special devices, it is very cost-effective comparing to the wireless intrusion prevention systems which are normally based on a number of detection sensors and servers. And it is highly precise and prompt in rogue AP detection and flexible in deployment comparing to the existing rogue AP detection methods based on the timing information, location information, and white list information.

• Journal of the Korea Society of Computer and Information
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• v.11 no.5 s.43
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• pp.251-258
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• 2006

A Malicious code is used to SMiShing disguised as finance mobile Vishing, using Phishing, Pharming mail, VoIP service etc. to capture of personal information. A Malicious code deletes in Anti-Virus Spyware removal programs, or to cure use. By the way, the Malicious cord which is parasitic as use a DLL Injection technique, and operate are Isass.exe, winlogon.exe, csrss.exe of the window operating system. Be connected to the process that you shall be certainly performed of an exe back, and a treatment does not work. A user forces voluntarily a process, and rebooting occurs, or a blue screen occurs, and Compulsory end, operating system everyone does. Propose a treatment way like a bird curing a bad voice code to use a DLL Injection technique to occur in these fatal results. Click KILL DLL since insert voluntarily an end function to Thread for a new treatment, and Injection did again the Thread which finish an action of DLL, and an end function has as control Thread, and delete. The cornerstone that the treatment wav that experimented on at these papers and a plan to solve will become a researcher of the revolutionary dimension that faced of a computer virus, and strengthen economic financial company meeting Ubiquitous Security will become.

• Journal of Digital Convergence
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• v.19 no.5
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• pp.229-239
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• 2021

For this study, we have extensively analyzed the presentation data of the government's financial-related departments and the data of each financial institution and electronic financial institution.. As a result, In Korea's electronic financial environment, real changes such as first) expansion of non-face-to-face finance, second) teleworking in the financial sector, third) abolition of accredited certification, fourth) advanced voice phishing, fifth) openness of the financial industry and diversification of forms, sixth) the'walletless society'. In addition to the above, however, global changes triggered by the Fourth Industrial Revolution spread to the financial security sector, making it difficult to respond to problems such as artificial intelligence/ deep learning/ user analysis/ deepfake technology. As the proportion of electronic finance is increasing socially, it should be studied in the fields of electronic finance and its environment, and crime and criminal investigation.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.29 no.1
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• pp.149-164
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• 2019

Digital Transformation and the Fourth Industrial Revolution, electronic financial services should be provided safely in accordance with rapidly changing technology changes in the times of change. However, telecommunication finance fraud (voice phishing) accidents are currently ongoing, and various efforts are being made to eradicate accidents such as legal amendment and improvement of policy system in order to cope with continuous increase, intelligence and advancement of accidents. In addition, financial institutions are trying to prevent fraudulent accidents by improving and upgrading the abnormal financial transaction detection system, but the results are not very clear. Despite these efforts, telecommunications and financial fraud incidents have evolved to evolve against countermeasures. In this paper, we propose an intelligent over - the - counter financial transaction system modeled through scenario - based Rule model and artificial intelligence algorithm to prevent financial transaction accidents by voice phishing. We propose an implementation model of artificial intelligence abnormal financial transaction detection system and an optimized countermeasure model that can block and respond to analysis and detection results.

• Convergence Security Journal
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• v.19 no.2
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• pp.39-46
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• 2019

Recently, information security accidents are becoming more advanced as social engineering attacks using new types of malicious codes such as phishing. Organizations have made various efforts to prevent information security incidents, but tend to rely on technical solutions. Nevertheless, not all security incidents can be prevented completely. In order to overcome the limitations of the information security approach that depends on these technologies, many researchers are increasingly interested in People-Centric Security. On the other hand, some researchers have applied behavioral economics to the information security field to understand human behavior and identify the consequences of the behavior. This study is a trend analysis study to grasp the recent research trend applying the concept and idea of behavioral economics to information security. We analyzed the research trends, research themes, research methodology, etc. As a result, the most part of previous research is focused on 'operational security' topics, and in the future, it is required to expand research themes and combine behavioral economics with security behavioral issues to identify frameworks and influencing factors.

• ETRI Journal
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• v.36 no.5
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• pp.865-875
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• 2014

Voice phishing (vishing) uses social engineering, based on people's trust in telephone services, to trick people into divulging financial data or transferring money to a scammer. In a vishing attack, a scammer often modifies the telephone number that appears on the victim's phone to mislead the victim into believing that the phone call is coming from a trusted source, since people typically judge a caller's legitimacy by the displayed phone number. We propose a system named iVisher for detecting a concealed incoming number (that is, caller ID) in Session Initiation Protocol-based Voice-over-Internet Protocol initiated phone calls. Our results demonstrate that iVisher is capable of detecting a concealed caller ID without significantly impacting upon the overall call setup time.

• Proceedings of the Korean Information Science Society Conference
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• 2008.06d
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• pp.71-76
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• 2008

피싱의 위험이 증대되는 현재의 온라인 서비스 환경에서 사용자를 기본적인 피싱 시도로부터 보호하기 위해 OTP를 사용하여 서버와 사용자를 상호 인증하는 기법을 제안한다. 제안 하는 기법에서 사용자는 사이트를 신뢰 할 수 없는 환경에서 서버와 공유하고 있는 비밀 키인 OTP를 사용하여 서버의 진위 여부를 확인하고, 서버 또한 사용자를 인증하도록 함으로서 일반적인 피싱 시도로부터 사용자 보호가 가능하다. 이러한 기법은 클라이언트 단에 어떠한 부가적인 프로그램을 설치할 필요 없으며 사용자 직관적이어서 활용도가 매우 높다.