• Journal of Korea Society of Digital Industry and Information Management
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• v.10 no.3
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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.

• Journal of Internet Computing and Services
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• v.9 no.6
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• pp.73-79
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• 2008

Nowadays, all over the world's banks use internet banking through various authentication methods. Although there are strong authentication methods using OTP (One Time Password), there still has vulnerability from sophisticated attacks such as MITM (Man In The Middle). This letter proposes signing-based authentication protocol that copes with attacks, such as MITB (Man In The Browser), and provides non-repudiation function. The protocol shows generic method to prevent the sophisticated attacks through connecting advantages from OTP and PKI (Public Key Infrastructure) certificate, and that can be deployed to various extended form in internet banking.

• International Journal of Internet, Broadcasting and Communication
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• v.16 no.1
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• pp.226-232
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• 2024

This study attempted to demonstrate the role of perceived value and trust in the relationship between mobile banking service quality and use satisfaction. A survey was conducted on customers of Mongolian banks, and an analysis was conducted based on the collected data With the development of the fintech industry, the Internet-based mobile banking market is striving to provide convenient services to consumers. The result led to the introduction of an online-oriented Internet bank that can operate 24 hours a day regardless of time and space. The characteristic of operating only with the Internet has a positive aspect of providing services quickly and conveniently, but at the same time, including concerns about security and personal information leakage. This can make you hesitate to use the service. Therefore, we attempted to find out how the quality of mobile banking service affects the perceived value and satisfaction of using trust. A survey was conducted to verify the contents of the research model and hypothesis. This is to secure data to be used for empirical analysis of research hypotheses. The survey was conducted with 124 consumers in Ulaanbaatar, the capital of Mongolia. Based on the analysis results, we understood the satisfaction of consumers using mobile banking and suggested ways for consumers to improve their actual satisfaction using mobile banking. Specifically, service quality sensitivity, security, convenience, and design had a positive effect on perceived value or trust, ultimately leading to consumer satisfaction.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2012.05a
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• pp.451-455
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• 2012

In this paper, Nateon, MSN Messenger, including how to hack into the most intimate acquaintance formed as follows, for hacking (keyloggers, remote monitoring, etc.) by sending a bank and ID, PW, certificate, security card, etc. personal financial information obtained after the withdrawal of the account balance to have a personal financial analysis infringement attack vulnerable elements found in internet banking, the vulnerabilities and countermeasures concerning the prevention of accidents, including violations by seeking a more secure Internet banking personal Internet Banking is to devise a deal.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.23 no.4
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• pp.571-583
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• 2013

Internet banking service has a advantage that is unrestricted by time. If automated programs are able to attack Internet banking services, a number of accounts can be attacked at the same time and as a result, damage will be considerably increased. To cope with such attacks, two methods, VPS and MS watermark, were introduced by Arcot and MS respectively. The methods use text-based CAPTCHAs in the process of transfer approval to distinguish automated programs from legal human users. In this paper, we point out the security threats of the methods when those are applied to Internet banking services. Especially, we consider the attack that are performed by extract specific string from text-based CAPTCHAs and it's countermeasure. Also we suggest a method of enhancing security of internet banking services. Our method is based on contents-based CAPTCHAs that are consist of known transfer information between user and server.

• Annual Conference of KIPS
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• 2000.04a
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• pp.447-464
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• 2000

많은 사람들이 관심을 가지고 급속도로 발전하는 인터넷 환경의 웹 서비스 중에서 인터넷 뱅킹 시스템은 반드시 필요한 서비스 중의 하나지만, 아직까지 많은 보안상의 문제점을 내포하고 있다. 본 논문에서는 이런 보안상의 문제들 중에서 사용자 인증에 관한 부분, 데이터 암호화에 관한 부분, 키 분배 문제에 관한 부분을 해결할 수 있는 방안을 제시하려 한다. 이를 위해 공개적으로 사용이 가능한 암호 라이브러리인 Crypto++3.1을 이용하여 인터넷 환경에서 보안 서비스를 제공할 수 있는 안전한 인터넷 뱅킹 시스템인 SIBS(Secure Internet Banking System)을 설계 및 구현하였다. SIBS는 빠른 데이터 암호화 처리를 위해 IDEA암호 알고리즘을 사용하였다. 데이터 암호화에 사용할 키를 분배하기 위해서 Diffie-Hellaman키 분배 알고리즘을 이용한다. 또한, 사용자의 인증을 위해 X.509형식의 인증서를 이용하기 위해서 SSLeay를 설치하여 인증서(Certificate)를 발급 받는다. 그러므로, 사용자는 인터넷에서 SIBS의 GUI(Graphic User Interface)를 이용해 빠르고 편리한 접근이 용이하고, 암호 알고리즘에 대한 지식이나 특별한 조치가 없이도 빠른 데이터 암호화 처리와 인증서를 이용한 확실한 사용자 인증을 보장 받을 수 있다.

• Journal of the Korea Society of Computer and Information
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• v.22 no.2
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• pp.59-63
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• 2017

Recently, Certificate has been loosed 100 times in a four years as Phising or hacking. The service that use certificate in financial services occurs practical and secure issues. Therefore, the Korea government abolished the mandatory system used in the certificate service. However, they did not provide a replacing method for a certificate. And is not to fill the gaps of the certificate with one time password or secure card. Therefore this paper is propose the alternative method with total authentication service, that is lead the more secure electronic commercial.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.17 no.6
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• pp.1657-1673
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• 2023

With the advancement of information technology, criminals employ multiple cyberspaces to promote cybercrime. To combat cybercrime and cyber dangers, banks and financial institutions use artificial intelligence (AI). AI technologies assist the banking sector to develop and grow in many ways. Transparency and explanation of AI's ability are required to preserve trust. Deep learning protects client behavior and interest data. Deep learning techniques may anticipate cyber-attack behavior, allowing for secure banking transactions. This proposed approach is based on a user-centric design that safeguards people's private data over banking. Here, initially, the attack data can be generated over banking transactions. Routing is done for the configuration of the nodes. Then, the obtained data can be preprocessed for removing the errors. Followed by hierarchical network feature extraction can be used to identify the abnormal features related to the attack. Finally, the user data can be protected and the malicious attack in the transmission route can be identified by using the Wrapper stepwise ResNet classifier. The proposed work outperforms other techniques in terms of attack detection and accuracy, and the findings are depicted in the graphical format by employing the Python tool.

• 제어로봇시스템학회:학술대회논문집
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• 2003.10a
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• pp.2174-2177
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• 2003

Internet is exposed to network attacks as Internet has a security weakness. Network attacks which are virus, system intrusion, and deny of service, put Internet in the risk of hacking, so the damage of public organization and banking facilities are more increased. So, it is necessary that the security technologies about intrusion detection and controlling attacks minimize the damage of hacking. Router is the network device of managing traffic between Internets or Intranets. The damage of router attack causes the problem of the entire network. The security technology about router is necessary to defend Internet against network attacks. Router has the need of access control and security skills that prevent from illegal attacks. We developed integrated security management framework for secure networking and kernel-level security engine that filters the network packets, detects the network intrusion, and reports the network intrusion. The security engine on the router protects router or gateway from the network attacks and provides secure networking environments. It manages the network with security policy and handles the network attacks dynamically.

• The Journal of Information Technology
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• v.3 no.3
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• pp.77-88
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• 2000

Electronic Commerce increased rapidly according to the growing popularity of Internet. but payment system are not changed. Now main payment system of electronic commerce are credit card and cyber banking system. Then credit card has some problems safety, privacy etc, and cyber banking system has some problem also. We need new payment system to Electronic Commerce. The merit of electronic money are more capacity, more secure, more reliable, quick and easy to update, secure off-line processing, enabling technology etc than credit card and cyber banking system. And so many countries began using experiment of electronic money and our country began July KOEX building. But it has some problems (standardization, safety of payment, etc). Therefor we must make nile about electronic money in order to standardization and safety of payment. After then electronic money are used widely in electronic commerce.