• International Journal of Computer Science & Network Security
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• 제21권12호
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• pp.316-322
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• 2021

The problem of corruption and the spread of corruption crime today is not only one of the main social problems, but also an obstacle to the implementation of reforms in Ukraine. Given the complexity, scale and diversity of the impact of corruption, it is an undisputed threat to national security. At the state level, corruption threatens, firstly, state security as a result of its spread in public authorities and the combination of political and business spheres; secondly, in the domestic political sphere as a result of non-compliance and violation by officials of public authorities and local governments of the laws of Ukraine; thirdly, in the economic sphere as a result of the dominance of personal interests of civil servants over national ones; fourthly, in other spheres, namely, military, social, ecological, informational, foreign policy, etc. The origins of corruption are diverse and are formed not only in the country but also abroad. The current corruption threat is the result of the country's ineffective domestic and foreign anticorruption policies. Acceleration of the spread and manifestation of external corruption threats is associated with a number of unresolved foreign policy issues against the background of the development of globalization and integration processes, in particular: economic and financial dependence of the country on international financial institutions and organizations; as well as from foreign countries that pose a potential threat due to their ambitious plans to expand our country; unresolved issues regarding the international legal consolidation of borders, etc. It is noted that the current conditions for the development of state security, due to new challenges and threats, need to improve and implement new measures to prevent corruption as a negative impact of the main threats to national economic security. As a result of the study, the main measures to counter the main threats to the economic security of the state were identified.

• 산경연구논집
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• 제12권12호
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• pp.1-10
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• 2021

Purpose: Cyber criminals have affected various markets and the banking system has encountered various kinds of cyberattacks. The purpose of this study is to analyze cybercrime that is an emerging threat and investigate the significant contribution of financial literacy and public awareness on cybercrimes. To understand the security issues and the need for corrective steps, the techniques and strategies used by cyber fraudsters in obtaining unauthorized access and use the financial information for purpose of fraud need to be understood. Research design, data and methodology: A sample of 123 banks employees from 12 commercial banks in Malaysia was surveyed. This study differs from previous studies as it surveyed the employees' awareness, and this approach fills in the gap in existing literature. Results: The financial literacy and public awareness have positive impact on organizational performance effectiveness to combat threat of cybercrime. Some recommendations are also proposed from research findings, for banking industry and government regulations. Conclusion: The present study focuses on banking sector so its findings cannot be generalized to other sectors. Linking these topics has created a new study in combating threat of cybercrimes generally, and specifically in Malaysia. The present study enhances the understanding of customers' role to combat the impact of cybercrimes on performances of banking industry.

• 한국산업정보학회논문지
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• 제26권1호
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• pp.83-95
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• 2021

본 연구에서는 금융보안 분야의 핵심 연구분야를 도출하고, 방향성을 제시하기 위하여 토픽모델링을 통해 국내외 주요 연구 동향 비교분석을 수행하였다. 이를 위해, 학술저널에서 국내외 논문 데이터를 수집하였으며 LDA 분석을 통해 금융보안 관련 주요 연구분야를 1차 추출하였다. 이후 주요 연구분야의 시계열 선형회귀 분석을 통해 Hot & Cold 토픽을 도출하였다. 분석결과 국내의 경우 유망연구 분야로는 정부의 정책적 이슈와 개인정보 및 공인인증 관련 연구가 도출되었으며, 국외의 경우 암호 프로토콜과 양자보안 등 고도의 보안 시스템 개발을 위한 관련 연구가 도출되었다. 최근 국내에서도 공인인증 폐지함에 따라 다양한 보안기술의 적용이 가능해지고, 이를 위한 유망연구 분야의 변화가 예상된다. 이에 본 연구의 결과물이 국내 금융보안 분야의 성공적 로드맵 수립 및 개발에 기여될 수 있기를 기대한다.

• 보건행정학회지
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• 제20권4호
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• pp.114-125
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• 2010

Objectives : This study investigates the determinants of contingent workers' ratio in public health centers. Since the economic crisis in 1997, there have been many studies on contingent workers in Korea. But, previous studies have been not conducted focusing on public health center. Methods : This study used 253 public health centers, installed and operated since December 31, 2008. in Korea as units of analysis. To examine the determinants of contingent workers' ratio, this study uses Pearson correlation and multiple regression analysis. Results : The following appeared as significant variable affecting contingent workers' ratio in public health centers; degree of the local government's financial independence(p<0.001), rate of increase/decrease in ages 65 and over(p<0.001), rate of increase/decrease in basic livelihood security recipients(p<0.01) and rate of increase/decrease in registered disabled persons(p<0.01). In contrast, internal organizational environment characteristics related variables were not statistically significant. Conclusions : Contingent workers' ratio in public health center is significantly affected by financial vulnerability of the local government and increase in demand of health care services.

• 전기학회논문지
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• 제65권12호
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• pp.2240-2250
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• 2016

MIFARE Classic is the most popular contactless smart card, which is primarily used in the management of access control and public transport payment systems. It has several security features such as the proprietary stream cipher Crypto 1, a challenge-response mutual authentication protocol, and a random number generator. Unfortunately, multiple studies have reported structural flaws in its security features. Furthermore, various attack methods that target genuine MIFARE Classic cards or readers have been proposed to crack the card. From a practical perspective, these attacks can be partitioned according to the attacker's ability. However, this measure is insufficient to determine the optimal attack flow due to the refined random number generator. Most card-only attack methods assume a predicted or fixed random number, whereas several commercial cards use unpredictable and unfixable random numbers. In this paper, we propose optimal MIFARE Classic attack procedures with regards to the type of random number generator, as well as an adversary's ability. In addition, we show actual attack results from our portable experimental setup, which is comprised of a commercially developed attack device, a smartphone, and our own application retrieving secret data and sector key.

• The Journal of Asian Finance, Economics and Business
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• 제8권7호
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• pp.545-556
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• 2021

The financial technology sector is now growing rapidly all over the world, and it has improved the banking system efficiency and customer experience. This research study attempts explicitly to explore the consumer acceptance attitude of FinTech and its products in Pakistan. Technology Acceptance Model was used to assess the entire variable associated with the consumer attitude to adopt new technology. Based on a survey conducted from Pakistan data and by employing the multiple regression analysis, this study proves that the risk involved in FinTech products and services results in less usage of financial technology. The findings of the study also show that the risk should be reduced if banks and other institutes that are involved in financial transactions online must provide security. Moreover, customers are not willing to pay an extra amount for using financial technology. It argues that usefulness helps to change the attitude of banking customers to use financial technology. The attitudes of the customers have a positive relationship with the adoption of financial technology. These results also help guide financial institutions to enhance the adoption of FinTech products. User attitudes must be changed by providing users with more security, less risky applications, and cost-effective products.

• 정보보호학회논문지
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• 제27권4호
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• pp.885-895
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• 2017

급변하는 IT환경만큼 다양한 형태의 외부 침입에 의한 보안이슈가 발생하고 있다. 웹 어플리케이션에 대한 취약점을 이용한 공격은 갈수록 늘어나고 있고, 각 기업은 취약점 발생의 원인을 찾아서 조치하여 외부 침입을 막고 자사의 시스템 및 주요 정보를 보호하기 위해 노력하고 있다. 특별히 감독규정에 의하여 각 금융기관 및 전자금융업자는 6개월에 한번 씩 공개용 홈페이지에 대한 취약점 분석평가를 실시하고 그 결과를 금융위원회에 보고하도록 되어있다. 본 연구에서는 감독규정에서 정의하는 웹 취약점 항목을 기준으로 실제 금융기관의 점검 사례를 바탕으로 발생빈도가 높은 항목을 분석하고 이에 대한 효율적인 대처방안과 발생을 미리 예방할 수 있는 방안을 제시하고자 한다.

• 한국인터넷방송통신학회논문지
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• 제16권6호
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• pp.255-264
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• 2016

정보통신기술의 급속한 발전으로 경제활동 분야에서 큰 변화를 가져오고 있으며 혁신적으로 변화하고 있는 것은 전자상거래라고 할 수 있다. 더불어 전자금융사기의 방법도 나날이 진화하면서 피해사례도 함께 늘어나고 있다. 이에 따라 전자금융 이상거래에 대한 분석 및 탐지가 되고 있으나 여전히 피해가 발생되고 있는 상황이다. 본 연구에서는 금융환경, 금융 IT 환경, 금융 IT보안 환경과 법제도적인 변화의 특성을 분석하고 현재 금융기관에서 운영되는 이상금융거래 탐지시스템의 한계점을 보완하기 위하여 효과적인 전자금융 이상거래 분석 및 탐지 관리 체계와 외부기관과의 정보공유 및 개인정보 수집 및 활용에 대한 고려사항을 제안하고자 한다.

• 정보보호학회논문지
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• 제27권5호
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• pp.1001-1011
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• 2017

격자 기반 암호는 양자 컴퓨터 공격에 대응 가능한 포스트 양자 암호 중 하나로 알려져 있다. 그 중 ring-LWE 문제는 LWE의 대수적 변종으로 벡터 대신 환(ring)의 원소를 이용한다. 포스트 양자 암호라 할지라도 실제 디바이스에 이를 적용 할 때 부채널 분석 취약점이 존재한다는 것은 이미 알려져 있다. 실제 2016년 Park 등은 Roy 등이 제안한 NTT를 이용한 ring-LWE 기반 공개키 암호시스템의 SPA 취약점을 보고했으며, Reparaz 등은 Roy 암호에 대한 DPA 공격 및 대응법을 2015년과 2016년에 제안하였다. 본 논문에서는 Roy 암호에 대하여 Park 등이 제안한 선택 암호문 SPA 공격이 NTT를 적용하지 않은 Lyubashevsky 암호의 경우에도 동일하게 적용 가능함을 보인다. 또한 선택 암호문 SPA 공격에 안전한 대응기법을 제안한고 실험적으로 안전성을 검증한다.

• 산업경영시스템학회지
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• 제33권4호
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• pp.130-137
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• 2010

This paper analyzes the main factors affecting user selection of a small-sum electronic payment system using survey data of 396 users. Several findings emerge. First, users consider three pillars and eight factors in adopting a new system : system features(stability, security, and flexibility), transaction cost(payment commission and settlement period), and financial capability of provider(stability of financial structure, risk management capability, and funding capability). Second, the stability of the financial structure of the system provider is the most important factor to user acceptance of a new e-payment system. Users tend to consider uncertainty risk more seriously than transaction cost. This reflects the reality that electronic payment system service industry has not fully fledged yet. Third, some moderating effects exist according to payment methods and business usages. As for payment methods, speedy settlement cycle for wired/wireless phone payment, system stability for credit card and account transfer payment, and security for advance payment means are crucial factors. As for business usages, the stability of financial structure for online game content, system stability for music and video content, proxy payment commission for e-learning content, flexibility of the payment system for digital adult content, and security for public services are decisive ones.