• International Journal of Computer Science & Network Security
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• 제21권9호
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• pp.239-246
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• 2021

This article substantiates the scientific provisions for modelling the level of Ukraine's public financial security taking into account the impact of budget policy, in the process of which identified indicators of budget policy that significantly affect the public financial security and the factors of budget policy based on regression analysis do not interact closely with each other. A seven-factor regression equation is constructed, which is statistically significant, reliable, economically logical, and devoid of autocorrelation. The objective function of maximizing the level of public financial security is constructed and strategic guidelines of budget policy in the context of Ukraine's public financial security are developed, in particular: optimization of the structure of budget revenues through the expansion of the resource base; reduction of the budget deficit while ensuring faster growth rates of state and local budget revenues compared to their expenditures; optimization of debt serviced from the budget through raising funds from the sale of domestic government bonds, mainly on a long-term basis; minimization of budgetary risks and existing threats to the public financial security by ensuring long-term stability of budgets etc.

• 한국IT서비스학회지
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• 제20권6호
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• pp.63-81
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• 2021

Joint financial network of Korea Financial Telecommunications and Clearings Institute, which is an essential facility with a natural monopoly, maintained its closedness as monopoly/public utility model, but it has evolved in the form of open banking in order to obtain domestic fintech competitiveness in the rapidly changing digital financial ecosystem such as the acceleration of Big Blur. In accordance with digital transformation strategy of financial institutions, various ICT companies are actively participating in the financial industries, which has been exclusive to banks, through the link technology called Open API. For this reason, there has been a significant change in the financial service supply chain in which ICT companies participate as users. The level of security in the financial service supply chain is determined based on the weakest part of the individual components according to the law of minimum. In addition, there is a perceived risk of personal information and financial information leakage among the main factors that affect users' intention to accept services, and appropriate protective measures against perceived security risks can be a catalyst, which increases the acceptance of open banking. Therefore, this is a study on factors affecting the introduction of open banking to achieve financial innovation by developing an open banking security control model for financial institutions, as a protective measures to user organizations, from the perspectives of cyber financial security and customer information protection, respectively, and surveying financial security experts. It is expected, from this study, that effective information protection measures will be derived to protect the rights and interests of financial customers and will help promote open banking.

• 지식경영연구
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• 제20권3호
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• pp.91-106
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• 2019

In the era of the 4th Industrial Revolution, the importance of information protection is increasing day by day with the advent of the 'hyper-connection society', and related government financial investment is also increasing. The source of the government's fiscal investment projects is taxpayers' money. Therefore, the government needs to evaluate the effectiveness and feasibility of the project by comparing the public benefits created by the financial investment projects with the costs required for it. At present, preliminary feasibility study system which evaluates the feasibility of government financial investment projects in Korea has been implemented since 1994, but most of them have been actively carried out only in some fields such as large SOC projects. In this study, we discuss the feasibility evaluation of public projects for the purpose of information security. we introduce the case study of the personal information protection program of Korean public institutions and propose a cost-effectiveness analysis method that can be applied to the feasibility study of the information protection field. Finally, we presented the feasibility study and criteria applicable in the field of information security.

• 정보보호학회논문지
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• 제27권1호
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• pp.115-128
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• 2017

전자금융사기의 수법이 계속 진화하고 있다. 이에 대응하기 위해 다양한 연구와 대응방안이 제시되었으나 근절하기 어려운 상황이다. 본 연구는 MS사(社)의 Threat Risk Modeling 기법을 통해 전자금융사기의 위험을 분석하고 그 대응방안을 제시하기 위한 목적으로 수행되었다. 분석 결과 인증수단의 차이에도 불구하고 파밍의 위험이 높으며 추가적인 인증수단이나 기기보안 혹은 사용자 인증 기반의 보안체계 만으로는 공격을 예방하기 어렵다는 것을 확인하였다. 이에 따라 보안수단별 거래 한도의 재조정, 계좌인증 등 예방수단 및 추가적인 물리적 보안수단의 도입, 전자금융사기 예방제도의 연계와 홍보 및 사용자 인식 개선을 통한 종합적인 전자금융사기 예방 정책의 수립 시행을 제안한다.

• 정보보호학회논문지
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• 제28권2호
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• pp.339-346
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• 2018

랜섬웨어는 데이터를 암호화하여 금전을 요구하는 악성프로그램이다. 전 세계적으로 랜섬웨어에 대한 피해가 증가하고 있으며 기업, 공공기관, 병원을 대상으로 하는 타깃형 공격이 늘어나고 있다. 또한 랜섬웨어가 서비스화 되어 유포되기 때문에 하나의 랜섬웨어가 발견되면 이후에 해당 랜섬웨어와 유사한 변종이 많이 발견된다. 이에 따라 랜섬웨어에 대한 정확한 분석이 해당 랜섬웨어뿐만 아니라 변종 랜섬웨어 복호화 방안 모색에 기반이 될 수 있다. 본 논문에서는 2017년 6월에 발견된 Erebus 랜섬웨어에 대해 암호학적 요소와 암호화 과정을 분석하였으며, 해당 결과를 기반으로 암호학적 취약점 및 메모리 분석 연구를 진행하였다.

• 산업경영시스템학회지
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• 제43권1호
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• pp.50-60
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• 2020

The omni-channel customer system is the communication system between enterprise and customer via multiple channels such as mail, email, SMS, and mobile. The omni-channel customer system complements each other channel through the integration of each channel. The purpose of this research is to derive key factors and calculate the weights that a financial enterprise considers when adopting the omni-channel customer system. For this research, we analyzed the request for proposal documents used for the omni-channel customer system implementation projects in the financial enterprise. Also, we derived, classified, and stratified the key factors to be considered for the introduction of the omni-channel customer system in the financial enterprise. As a result of analyzing the key factors, customer experience, operations, and security were identified as the components of the top category in introducing the omni-channel customer system in the financial sector. Furthermore, the weight for each key factor was calculated by using ANP. As a result of ANP, operations, customer experience, and security were important in order. Also, the degree of easiness for connecting with other systems and the various abilities for representing the contents of the omni-channels were derived as the important key factors.

• 정보보호학회논문지
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• 제32권1호
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• pp.141-154
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• 2022

데이터 경제시대 속에서 활발한 데이터 유통환경을 조성하고자 다양한 정책들이 시행되고 있다. 국내에서는 공공주도 데이터 거버넌스 아래 금융데이터거래소의 출범을 시작으로 빅데이터 유통 플랫폼 형성과 데이터 거래가 시작되었다. 주요 데이터 선진국들의 경우, 오래전부터 데이터브로커 산업을 바탕으로 데이터 유통환경을 구축해왔고, 그로부터 산출되는 부가가치들을 통해 국가 데이터 경쟁력을 강화해왔다. 그런데 데이터브로커를 통해 이루어지는 활발한 데이터 유통의 이면에는 수많은 정보보호 이슈들이 존재하고, 이로 인해 다양한 프라이버시 문제와 국가 안보적 위협들이 발생하였다. 이러한 문제들은 국내 금융데이터 거래 과정에서도 충분히 발생할 수 있다. 본 연구에서는 데이터브로커로 인해 발생한 데이터 거래의 정보보호 이슈를 살펴보고, 정보보호의 관점에서 데이터 거래 시 고려해야 할 사항들을 도출하였다. 이후, 정보보호 고려사항들이 국내 금융데이터거래소 거래단계별 정보보호 정책에 잘 반영되어 있는지 검증해보았다. 이를 바탕으로 금융데이터거래의 정보보호 강화방안을 제시하였다.

• 정보보호학회논문지
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• 제27권2호
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• pp.373-381
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• 2017

현재 국내 금융거래에서는 공인인증서를 중심으로 하는 다양한 사용자 인증방식이 사용되고 있다. 이러한 공인인증서 방식은 사용자가 개별 금융사의 웹서버에 접속할 때마다 서로 다른 보안모듈을 설치해야 하는 문제가 있다. 금융사 중심의 이러한 인증방식은 앞으로 생체인증 등의 차세대 인증방식이 새롭게 도입될 때마다 금융사마다 새로운 보안모듈을 추가적으로 설치해야 하는 문제가 발생한다. 이러한 문제를 해결하기 위해 본 논문에서는 금융거래 시 각 금융사를 대신하여 사용자 인증을 전담하는 통합 인증기관을 상정하고, 이를 중심으로 사용자 및 금융사 웹서버 삼자 간에 안전한 사용자 인증을 처리하는 통합인증 프로토콜을 제안한다. 새로운 인증 프로토콜은 OAuth2.0을 변형하여 안전성과 효율성을 증가한 프레임워크로써, 인증서버 및 금융사 웹서버 간 사전에 공유된 비밀키로 도전-응답 프로토콜을 수행하는 것이 특징이다. 이를 통해 사용자는 편리하고 안전한 통합인증(SSO: Single-Sign-On) 효과를 누리게 된다.

• International Journal of Computer Science & Network Security
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• 제21권6호
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• pp.187-199
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• 2021

The research aims to measure the control procedures' effectiveness, followed by the University of Northern Borders employees. A questionnaire was developed and distributed to the target sample of financial and auditing affairs employees at the university, where the researcher followed the existing descriptive-analytical approach. The researcher relied on the field survey, and statistical analysis (spss) was used. The researcher has found that the control procedures used are highly efficient in reducing public money waste. The researcher has presented recommendations that may contribute to developing the work of oversight in combating waste of public money. These recommendations include: Increase the interaction between the General Oversight Office and the internal oversight departments at the University of Northern Borders, the incentives provided to the oversight and accounting staff for their efforts to combat public money waste. It encourages them to maintain public money and work to obliging employees to undertake training courses periodically to develop their skills and rehabilitate them in line with modern control procedures. Also, more studies and scientific research on the waste of public money and types of administrative and financial Corruption and the law in all state sectors and reach conclusions and recommendations will help decision-makers amend laws and regulations to serve the public benefit of the university and the state.

• Asia pacific journal of information systems
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• 제22권1호
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• pp.53-77
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• 2012

Financial firms, especially large scaled firms such as KB bank, NH bank, Samsung Card, Hana SK Card, Hyundai Capital, Shinhan Card, etc. should be securely dealing with the personal financial information. Indeed, people have tended to believe that those big financial companies are relatively safer in terms of information security than typical small and medium sized firms in other industries. However, the recent incidents of personal information privacy invasion showed that this may not be true. Financial firms have increased the investment of information protection and security, and they are trying to prevent the information privacy invasion accidents by doing all the necessary efforts. This paper studies how effectively a financial firm will be able to avoid personal financial information privacy invasion that may be deliberately caused by internal staffs. Although there are several literatures relating to information security, to our knowledge, this is the first study to focus on the behavior of internal staffs. The big financial firms are doing variety of information security activities to protect personal information. This study is to confirm what types of such activities actually work well. The primary research model of this paper is based on Theory of Planned Behavior (TPB) that describes the rational choice of human behavior. Also, a variety of activities to protect the personal information of financial firms, especially credit card companies with the most customer information, were modeled by the four-step process Security Action Cycle (SAC) that Straub and Welke (1998) claimed. Through this proposed conceptual research model, we study whether information security activities of each step could suppress personal information abuse. Also, by measuring the morality of internal staffs, we checked whether the act of information privacy invasion caused by internal staff is in fact a serious criminal behavior or just a kind of unethical behavior. In addition, we also checked whether there was the cognition difference of the moral level between internal staffs and the customers. Research subjects were customer call center operators in one of the big credit card company. We have used multiple regression analysis. Our results showed that the punishment of the remedy activities, among the firm's information security activities, had the most obvious effects of preventing the information abuse (or privacy invasion) by internal staff. Somewhat effective tools were the prevention activities that limited the physical accessibility of non-authorities to the system of customers' personal information database. Some examples of the prevention activities are to make the procedure of access rights complex and to enhance security instrument. We also found that 'the unnecessary information searches out of work' as the behavior of information abuse occurred frequently by internal staffs. They perceived these behaviors somewhat minor criminal or just unethical action rather than a serious criminal behavior. Also, there existed the big cognition difference of the moral level between internal staffs and the public (customers). Based on the findings of our research, we should expect that this paper help practically to prevent privacy invasion and to protect personal information properly by raising the effectiveness of information security activities of finance firms. Also, we expect that our suggestions can be utilized to effectively improve personnel management and to cope with internal security threats in the overall information security management system.