• Journal of Family Resource Management and Policy Review
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• v.8 no.3
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• pp.33-46
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• 2004

This study examined the effects of consumers' perceptions and expectations about refund on consumers' behavior to refund and its outcome. Major results of this study could be summarized as follows. First, consumers' perceptions and expectations about refund were higher in the case of defective products. However, consumers' behavior to refund were generally passive resulting in the low chance of refund. When there was no defects in product, consumers perceptions and expectations for refund were generally lower resulting in passive and the low chance of refund. Second, when there was defects in product, both consumers' perceptions and expectation tot refund influenced their active behaviors for refund, but not in the successful outcome. In contrast, when there was no defect, those two variables impacted on the behaviors for refund positively In addition, the more active those behaviors requesting for refunds were, the more successful outcome in refund request.

• THE INTERNATIONAL COMMERCE & LAW REVIEW
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• v.72
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• pp.25-55
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• 2016

The Buyer shall demand to the Builder the repayment of the pre-delivery instalments paid in case of the Builder's default under a ship-building contract. The Buyer require a refund guarantee issued by a financial institution for a security for the repayment of the pre-delivery instalments paid. As the title of a refund guarantee, in practice, is various, we should look into the contents or the expressions in a guarantee to decide whether a guarantee is a refund guarantee. A refund guarantee, a sort of independent bank guarantee, has characteristic of abstractness, and is independent from the ship-building contract. A refund guarantee is available against the beneficiary's first written demand and signed statement certifying that the Builder failed to make the refund in accordance with the ship-building contract. The guaranteed amount of a refund guarantee will be automatically increased in accordance with the Builder's receipt of the respective instalment, which is not in the other advance payment guarantee. These characteristics of a refund guarantee are derived from the expressions in a refund guarantee rather than inherent therein. This illustrates that careful attention is required to the contents and expressions of the main clauses in a refund guarantee.

• Journal of Digital Convergence
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• v.14 no.2
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• pp.115-122
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• 2016

Tax-Refund System for foreign tourists is constantly increasing trend because of the discount effect of product. However, in order to get Tax-Refund, foreign tourists are supposed to keep a refund statement of paper issued after the purchases and the existing refund windows involve complicated procedure and poor accessibility, which causes the inconvenience. After recognizing the problems, K company has implemented information systems to relieve the discomfort of the Tax-Refund service by streamlining and reforming complex and inconvenient procedures of the Tax-Refund service so that it is able to plan the shopping convenience of foreign tourists. The K's information system is considered good practice to show that they can play a key role under the competitive environment with the corporate information system that is an essential element in achieving a competitive advantage.

• Journal of the Korean Society of Clothing and Textiles
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• v.23 no.3
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• pp.361-372
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• 1999

The main objectives of this study were to investigate the characteristics of clothing buying behavior under the refund policy of stores (CCBBURPS) and the influence variables on CCBBURPS and to build the model of CCBBURPS. Additionally frequency and reasons for refund were researched. The interviews with 26 subjects the reviews of previous studies and the empirical investigation were processed for the study. The data was collected from 163 Korean females living in U.S. and analyzed by frequency mean factor analysis {{{{ chi ^2 }}-test, t-test and regression. The following results were found : the easyness of decision making (EDM) the loyalty of refund policy store (LRPS) and the increase of buying (IB) were found as the characteristics of clothing buying behaviors under the refund policy. EDM, LRPS and IB were influenced by clothing attitudes-shopping involvement and perceived buying risk-. The frequency of refund with 10 purchases was usually 0~1 times(38.7%) or 1~2 times (38.7%) The reasons for refund were : size unflattering appearance design com\ulcorner. The model of CCBBURPS was built based on the above findings(fig. 1)

• Journal of the Korea Institute of Information Security & Cryptology
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• v.11 no.6
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• pp.27-40
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• 2001

In an offline system, the bank does not participate in payments. As a result, it is difficult to make the refund spendable. Due to this, current offline systems do not provide spendable refunds. In these systems, a check consists of two parts: a spendable part and a refund part. A client uses the spendable part during the payment phase, and uses the refund part to get the refund for the remainder of the check. Therefore, a client cannot reuse the remaining and must always refund it. Moreover, the relationship between the spent amount and the refund amount can be used to guess which check the client used when the client refunds the remaining. To remedy these problems, we propose a new offline system which allow clients to reuse the remaining values of the check. This system provides unlinkability of the payments made by using a single check. It also provides mechanisms to detect and identify clients who perform misconduct such as double spending and over spending. The required overall computational cost to withdraw, spend and refund a check in our system is lower than using several checks in other offline systems.

• Journal of KIISE:Information Networking
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• v.30 no.3
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• pp.355-370
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• 2003

In offline check systems, a client does not have to pay the exact amount. Instead, a client refunds the difference between the check value and the paid amount. In most offline systems, clients can not spend the remainder. But if the refund can be made spendable, it would provide a more convenient payment method. In this paper, we present a new offline system, which allows refunds to be reused as payments. In our system, the shop issues a new check using its private key for the difference. This new check, called the refund check, can be spent in the same way as checks issued by the bank. If the refund check is deposited to, or refunded at the bank, the bank charges the issuer of the check for the amount. The form of a check in this system is much simpler than previous check systems. It also uses a more flexible and efficient denomination method. The refund check is unlinkable to the check used in the payment where the refund check was issued. This system provides coin and owner tracing mechanisms to reinforce controls on illegal use of anonymous checks and was designed with consideration to the atomicity of transactions.

• Korean Journal of Human Ecology
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• v.12 no.3
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• pp.337-349
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• 2003

This study was dealt with consumers' attitudes and requests for refunds on the basis of data gathered in 1997 and 2000 and examined factors shaping the differences of the consumers' requesting for refunds and investigated variables influencing the presence or absence of requests for refunds. Research outcomes could be summarized as follows. First there were no differences in consumers' searches for information of refunds, degrees of satisfactions for practices of refunds, knowledges for refunds, consumers' expectation for the permission of refunds between two periods Consumers generally showed more active behaviors for the request for refunds in 2000 than in 1997. In cases of defects, the chance of getting refunds was higher while consumers feel greater needs for refund. Second, consumers perception for the necessity of refund and their expectations for successful outcomes were higher in cases of defects than in the opposite case; consumers were also more active to request for refunds and get more positive responses in the former case. Third, in cases of defects in 1997, as consumers faced the unsatisfactory response for their previous requests for refunds, they did not actively request for refunds. In 2000, requesting for refunds were more active as they were more knowledgeable, actively search for information of refunds before their purchases, and expect more positive outcomes for their requests for refund. On the other hand, in cases of no defects in 1997, consumers showed more active behaviors requesting for refunds as their own professional jobs, owned greater consumer expectation for positive outcomes and showed greater satisfactions for the previous requests of refunds. In the survey of 2000, consumers showed active behaviors requesting for refunds as they were highly educated, gather much information for refund, and showed positive expectations for the possibility of refund.

• Journal of the Korean Society of Clothing and Textiles
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• v.32 no.8
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• pp.1233-1243
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• 2008

This study examined return policies of the Korean retailers and their differences by retail format. Return policies of 363 retailers including dept stores, discount stores, brand consignment stores, small shops, outlet stores, TV home shopping companies, and internet shopping malls were collected. Acceptance of refund or/and exchange, return grace period, and return requirements or restrictions of each retailer were analyzed. The results showed that most retail formats except small shops and internet shopping malls allowed refund. The seven day return grace period was most common though large retail chains allowed more generous time frames and small shops allowed shorter dates. Restrictions for return varied by retailers and retail formats. Generally retailers followed the guidelines of consumer protection laws. The study discussed implications of return policy analysis.

• The Journal of the Korea Contents Association
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• v.21 no.3
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• pp.626-633
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• 2021

In the event of a housing sale guarantee accident, the Housing and Urban Guarantee Corporation shall be responsible for the guarantee by refunding the moving-in money unless there are special circumstances to the contractor. The Housing and Urban Guarantee Corporation may refuse to perform the refund based on the Terms and Conditions Regulations Act, but disputes continue to arise between interested parties in this regard. Therefore, the purpose of this study is to study the problems and improvement measures for legal issues related to the implementation of the refund. First, the issue of guarantee effectiveness and scope of guarantee under the Terms and Conditions Regulation Act. Second, the problem of guarantee contract for conditional third parties of Housing and Urban Guarantee Corporation. Third, the problem of the attitude of the existing precedents of the Supreme Court was examined. As a result of reviewing these legal issues, it was confirmed that the interpretation of terms and conditions according to the implementation of the refund is being interpreted in accordance with the principle of good faith, but according to individual cases, precedents can be divided into positive and negative judgments. In addition, despite the fact that the housing pre-sale guarantee is a guarantee contract for a conditional third party, it was confirmed that the buyer suffered damages in good faith through active disputes with the interested parties. Accordingly, the Housing and Urban Guarantee Corporation proposed an improvement plan for roles and cooperation items to meet the purpose of establishment for the stability of the customer's housing.

• The Research Journal of the Costume Culture
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• v.29 no.5
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• pp.651-664
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• 2021

The purpose of this study is to first examine the relationship between appearance-enhancing beauty practices and feminism, and secondly, to analyze public images of contemporary women using this paradigm. Through the lens of this relationship, we present a literature review and empirical research focusing on the evolution of public image trends among girl groups, with special attention to the Refund Sisters, a South Korean supergroup currently drawing mainstream attention as female icons. The scope of analysis includes girl groups dating from the 1990's to the year 2020 and photos of the Refund Sisters. Our results indicate that firstly, free sexual expression is evident based on active use of sexuality; images contain bold demonstrations of females desire, expressions previously considered taboo. Secondly, we note deviations from more standardized female images, unique adornment of outward appearance, and rejection of normative female images through freer forms of self-presentation. Lastly, there is greater cultural and racial diversity, rejection of modern race and gender binaries, and increased representation of queer identities. However, the relationship between appearance-enhancing beauty practices and feminism is sometimes considered paradoxical, with some arguing that beautifying one's outward appearance is a compulsory strategy and that it should be rejected in order to resist aesthetic pressure.