• 디지털산업정보학회논문지
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• 제10권3호
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• pp.87-97
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• 2014

Pharming attack is a confidence trick that the hacker catch away customers financial information on Internet banking. At first, a hacker installs malicious execution code on customers PC in secret. As a customer tries to connect a Internet banking Web site, the malicious code changes it to phishing site in Internet explorer. The hacker catch away customers financial information in process of internet banking. The hacker steals money from customer's bank account using stolen information. PKI is a widespread and strong technology for providing the security using public key techniques. The main idea of PKI is the digital certificate that is a digitally signed statement binding an user's identity information and his public key. The Internet banking service stands on the basis of PKI. However, the bank is trusted in natural, the only customer is certified in the present Internet banking. In this paper, we propose a method of cross certification in Internet banking. The customer certify a bank and the bank certify the customer in proposed method. The method can service to customer the secure Internet banking about pharming attack. We compare the proposed method with other methods.

• 대한지역사회영양학회지
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• 제11권5호
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• pp.618-628
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• 2006

The purpose of this study was to examine the donators' characteristics and donative foods of both government-dominant and non-governmental food bank program, to understand the problems and benefits of food bank program, and to find the solutions to activate food bank program. The questionnaires were distributed to 120 food bank operators and 3 donators were selected from each food bank for the survey from April 2002 to May 2002. 118 sheets (32.8%) from government-dominant food bank and 53 sheets (20.1%) from non-governmental food bank were collected. The main results of this study were as follows: The largest donators to either government-dominant or non-governmental food bank programs were bakery and confectionery companies 31.4% and 45.3% respectively. The majority of donated foods were 'goods in stock' (55.6%) and frequency of donation were largely on a daily basis (27.1% for government-dominant and 22.6% for non-governmental). Some of the donators who had more donative food did not donate, and the reasons were closeness to expiration date of food (67.3%), lack of legal protection in the event of food poisoning (54.5%), and poor public image of food related accidents (52.3%).

• 콘크리트학회지
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• 제8권1호
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• pp.76-78
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• 1996

• 기술혁신학회지
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• 제1권1호
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• pp.96-105
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• 1998

Electronic cash affects central bank in many areas, in particular regarding the issuance of money, supervision of cashless payments, supervision of the banking system and monetary policy. The effects of electronic cash on central bank policies, the security and integrity of the payment system, and naturally also on single sector such as company engaged in the transport of money and valuables, depend mainly on the extent to which the new payment methods can replace cash. The possible development of electronic cash merits special attention from central banks for at least three reasons. First, central banks are concerned that the introduction of the new payment instrument should have no adverse effect on public confidence in the payment system and payment media. Second, although the substitution of electronic cash for other forms of money should not theoretically hamper central bank's ability to control the money supply, it might, however, have practial implications, at least in the long run, which need to be carefully examined. Third, because electronic cash may be used for payments of very small value, they have the potential, more than any other cashless instrument, to take over the role of notes and coins in the economy and, therefore, have implications for central bank's activities and revenues.

• 디지털융복합연구
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• 제12권4호
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• pp.193-200
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• 2014

본 연구의 목적은 금융기관 서비스품질의 만족도를 높이고 충성도 있는 고객을 확보하여 지속성장 가능한 수협은행 관련 연구가 현실적으로 부족하였다는 문제의식에서 출발하였다. 본 연구결과에서 수협은행의 서비스품질을 위한 제고방안은 결정요인 결과를 토대로 유용성 흥미성 신뢰성 안전성의 고객만족과 고객관계관리 관계성을 정립하여 고객의 니즈에 맞는 새로운 욕구를 고려하는 제고방안이 수립되어야 하며 유의수준이 높은 내적품질 요인을 높일 수 있는 서비스 품질의 제고방안을 맞춤형 서비스로 확대 시킬 필요가 있다. 급변하는 금융환경의 변화에 맞게 전문경영인 체제와 능력위주의 인사정책 도입으로 수협은행에 사회적, 경제적, 가족적, 문화적 변화 특성을 정확히 이해하고, 그러한 변화에 대응할 수 있는 프로그램 개발 운영이 필요하다.

• Parasites, Hosts and Diseases
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• 제61권3호
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• pp.304-309
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• 2023

Intestinal parasitic infections are a public health burden and a major cause of illness in developing countries. The diseases lead to various health threats, including growth retardation and mental health-related disorders, especially in children. We assessed the risk factors for intestinal parasitic infections among children aged 12-59 months residing in Nyamasheke District, Rwanda. A cross-sectional descriptive study was conducted using secondary data from 1,048 children aged 12-59 months whose stool samples were examined for the presence of intestinal parasites and whose results were registered in the laboratory information system in 2020. The prevalence of intestinal parasites in children aged 12-59 months was 53.2%. The dominant parasites were Ascaris lumbricoides (13.1%), followed by Giardia lamblia (10.9%), Entamoeba histolytica (7.9%), Trichuris trichiura (6.5%), hookworms (1.7%), and Taenia species (1.4%). A significant association was observed between intestinal parasites and the literacy of mothers or children's caregivers (odds ratio (OR)=5.09, P<0.001). Children from farming households were 2.8-fold more likely to contract intestinal parasitic infections than those from nonfarming households (OR=2.8, P<0.001). A significant association was also observed between intestinal parasites and food safety (OR=4.9, P<0.001). Intestinal parasitic infections were significantly associated with hand hygiene practices after using the toilet and washing fresh fruits before eating (P<0.001). The information gathered will help public health providers and partners develop control plans in highly endemic areas in Rwanda.

• 한국실내디자인학회논문집
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• 제15권5호
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• pp.157-166
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• 2006

Recently, it appears several counterproposals about desirable figures of urban architecture. All of them proposes 'publicity' with cohernt tendency. The reason why it concentrates quantitative expansion of city without united design by urban plannar is that neglect quality values of city. As a solution of poor environment, there cue out the various efforts, about problem of each building, problem of city space, problem of laws and so forth. The reason why necessity of public space was embossed in that architecture extend the activity of citizen and make up the city space. But, each building pursues the private interest, so it is difficult to secure a public space with a high hand. Thus, architecture law has been revised in 1991 and bring the system of open space to match up the publicity and the private interest. Actually, western country brought it and obtained excellent results. While quantity of open space have increased since 1991, a lot of problems revealed in real usage and quality. By means of problem's solution, this study focus on the diversion of recognition for necessity of various open space. In result, on the occasion of approach and openess, except for several building, most glass a facade and the pedestrian can approach easily. Moreover, office buildings near the subway station connected with their low floor. So, the office buildings give openess to pedestrian and a people can approach easily to the buildings. On the occasion of amenity, most have bank and lobby on the first floor and have facilities on the underground floor. It leave open. But the reason why they have bank and lobby is that the space is dry and boring(without elements of nature and rest space). Hence, to make a space full of vitality, it have to plan various design elements and facilities. First of all, plan of indoor public space have to make up facility for the public interest. This study is basic investigation for necessity of indoor public space and through the survey of office buildings, it analyze the character of plan and find out the method of publicity's realization.

• The Journal of Asian Finance, Economics and Business
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• 제7권9호
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• pp.1-10
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• 2020

The purpose of this study is to investigate the relationship between diversification and the performance of commercial banks, while taking into account the ownership status of these banks in Sri Lanka. Two-way relationship between diversification and performance was scrutinised by employing the 2SLS regression technique. The data consists of 17 registered commercial bank in Sri Lanka between 2001-2016. The results show a strong significant bidirectional relationship exists between diversification and bank performance. The performance of Sri Lankan banks has been significantly improved by their diversification attempts. In other words, the banks whose incomes are more diversified from various sources, they are more profitable and successful in long-term. On the other hands, the results also reveal that bank performance positively and significantly affects diversification. This finding suggests that the banks with great profitability are more capable in diversify their operations. Furthermore, private sector banks, both listed and unlisted, are significantly more diversified than their government-owned counterparts, but their performance is not necessarily superior to government-owned banks. This may be the result of the economic environment and the perception of the public, which have allowed the government-owned banks to entertain significant market power over the private sector banks in the country.

• Industrial Engineering and Management Systems
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• 제14권4호
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• pp.347-371
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• 2015

A hybrid procedure based on multi-Criteria Satisfaction Analysis (MUSA) and a Network Data Envelopment Analysis (NDEA) is proposed to evaluate the relative efficiency of customer services in bank branches. First, a three-stage process including sub-processes such as customer expectations, customer satisfaction, and customer loyalty, is defined to model the banking customer services. Then, fulfillment of customer expectations, customer loyalty level, and the customer satisfaction degree are measured and quantified through a multi-dimensional questionnaire based on customers' perceptions analysis and MUSA method, respectively. The customer services scores and the other criteria such as mean of employee evaluation score, operation costs, assets, deposits, loans, number of accounts are considered in network three-stage DEA model. The proposed NDEA model is formed based on multipliers perspective, output-oriented, and constant return to scale assumptions. The proposed NDEA model quantifies and assesses the total efficiency of main process and assigns the efficiency to customer expectations, customer satisfactions, and customer loyalties sub-processes in bank branches. The whole procedure is applied on 30 bank branches in IRAN. The proposed approach can be used in other organizations such as airports, airline agencies, urban transportation systems, railway organizations, chain stores, chain restaurants, public libraries, and entertainment centers.

• 한국음향학회지
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• 제30권2호
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• pp.100-106
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• 2011

음원의 디지털화가 진행되면서 음악 데이터베이스가 방대해지고 있다. 따라서, 음악 데이터를 보다 효과적으로 관리하기 위해 음악의 특성에 따라 장르별로 자동 분류해주는 시스템이 필요하다. 기존 장르 분류 시스템은 대부분 Mel-Frequency Cepstral Coefficient (MFCC)를 특징 벡터로 이용하고 있다. 본 논문에서는 Auditory Filter Bank를 이용한 Decorrelated Filter Bank (DFB)와 Octave-based Spectral Contrast (OSC)에 texture window를 적용하여 특징을 추출한 후, Support Vector Machine (SVM)을 이용하여 장르 분류를 시도하였다. 기존의 Marsyas 장르 분류 시스템과 비교한 결과 DFB와 OSC로 복합적인 특징 벡터를 구성하면 더 적은 차수의 특징벡터를 사용함에도 4.2 %의 향상된 분류 성공률을 얻을 수 있었다.