• Title/Summary/Keyword: Secure Payment

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Towards Indonesia's Future: Embracing Mobile Money Distribution with the Technology Acceptance Model Approach

  • Ricardo INDRA
    • Journal of Distribution Science
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    • v.22 no.7
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    • pp.43-51
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    • 2024
  • Purpose: The primary purpose of this study is to examine the influence of the Technology Acceptance Model (TAM) on the use of mobile money in Indonesia. The acceptance of technology has brought changes to society where the application of technology is aimed at identifying the best solution among the various existing alternatives. There are two types of electronic money: chip-based and server-based electronic money. Server-based electronic money is found on mobile phones. The Indonesian government has encouraged the use of electronic money and launched Less Cash Society to create a secure, efficient, and smooth payment system. Research design, data, and methodology: This study collected quantitative data from users of server-based electronic money through surveys conducted based on the sample size. The data were processed using SEM LISREL 8.70. Results: the results show that each of the TAM's fundamental elements has a significant impact. Perceived ease of use and perceived usefulness are able to encourage attitude toward using and behavioral intention to use towards actual use. Conclusions: The distribution of mobile money has a positive impact on society. Hence, mobile money providers must simplify access-recommendations made to strengthen the acceptance of mobile money via Perceived Ease of Use and Perceived Usefulness.

A Study on the Job Analysis of Assistive Product Specialist (복지용구 전문가 직무분석에 관한 연구)

  • Cho, Mi-Lim;Yang, Yeong-Ae
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.18 no.6
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    • pp.319-329
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    • 2017
  • As Korea is now an aging society, the demand and necessity of assistive products for senior citizens are increasing. On the other hand, their satisfaction with the assistive-product payment service is pretty low, so that the necessity of assistive-product specialists is newly rising. Therefore, it is important to establish a frame of assistive product specialist and clarify the duties. This study aimed to define and analyze the job of assistive-product specialists. This study was carried out from June 1, 2015 to February 10, 2016. After the literature consideration and analysis of the current status, a job analysis(plan) of assistive product specialists was drawn after the job of assistive product specialists was defined, and the duties, tasks, and task elements were analyzed by experts through an advisory conference. A Delphi method was conducted with five professional panels to verify the validity. For the job contents of assistive product specialists, 5 duties, 12 tasks, and 23 task elements were identified. The significance of this study was to establish the system and standard for assistive device specialists defining and analyzing the job of assistive product specialist. Through this study, it would be possible to secure the professionalism of an assistive-product specialist and qualitative improvement of an assistive-product payment service.

Comparison of Predicted Maintenance Costs and Actual Maintenance Cost of Military Facilities - Focused on BTL Project - (병영 시설물 수선유지비용 예산대비 실투입 비교에 관한 연구 - BTL사업 중심으로 -)

  • Lee, Don-Soo;Kim, Gwang-Hee
    • Journal of the Korea Institute of Building Construction
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    • v.17 no.5
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    • pp.473-481
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    • 2017
  • With the barracks modernization project, the Ministry of National Defense has been operating 60 projects of the 75 that have been announced. It was difficult to investigate and analyze the data in the past because data could not be obtained while it was much easier to do that since data can be obtained from private companies. With the aim of increasing the usability of the facilities, the objective of this study is to present a reasonable alternative for repair and maintenance costs by investigating and analyzing the budget and the actual expenses of repair and maintenance of military facilities for the past 3 to 5 years, and then identifying the problems with these. To accomplish this, a theoretical review of previous studies and legal grounds related to repair and maintenance costs was performed, and data on the estimates and the actual expenses data used in BTL projects carried out by private companies were analyzed. First, one of the problems was that there are some items omitted, including consumables, and these items should be included in order to secure their budget. Second, in terms of the items for divided payments, two improvements had been presented: a short-term payment plan for the operation period of 3 to 5 years and a long-term payment plan for an additional and complemented period other than the operation period. The repair and maintenance costs should be further studied at the point of time in a future when the actual data on the costs and operation period of military facilities can be secured. This study is expected to serve as empirical data that will form the basis for a reasonable calculation of the construction cost for military facilities.

A Study on the Improvement of the Safety Insurance for the Laboratory at the Korean Worker's Compensation Insurance - Focusing on Disability Benefit Pension Type Payment - (산재보험 수준의 연구실안전보험 보장성강화 방안 - 장해보험금 연금형태 지급을 중심으로 -)

  • Song, H.S.;Yee, N.H.;Choi, J.G.;Chun, S.H.;Kim, Jai Jung;Lee, B.H.
    • Journal of the Korean Society of Safety
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    • v.34 no.1
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    • pp.115-121
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    • 2019
  • Background: Due to the diversification and advancement of research, researchers have become to deal with a variety of chemical and biological harmful materials in the laboratories of universities and research institutes and the risk has increased as well. Therefore, it is necessary to strengthen the social safety net for laboratory accidents by strengthening the compensation to the level comparable to that of Korean Workers' Compensation & Welfare Service, when the researchers become physically disabled by laboratory accidents. The purpose of this study is to secure researchers' health rights and to create a research environment where researchers can work with confidence by strengthening the compensation to the level comparable to that of Korean Workers' Compensation & Welfare Service. Method: We analyzed the laboratory accidents by year, injury type, severity of accident and disability grade with the 6 year data from 2011 to 2016, provided by Laboratory Safety Insurance. Based on the analysis result, we predicted the financial impact on Laboratory Safety Insurance if we introduce a compensation annuity by disability grade which is similar to Injury-Disease Compensation Annuity of Korean Workers' Compensation & Welfare Service. Result :As of 2011, the insured number of Laboratory Safety Insurance was approximately 700,000. The Average premium per insured was KRW 3,339 and there were 158 claims. Total claim amount was KRW 130 million, whereas the premium was about KRW 2.3 billion. The loss ratio was very low at 5.75%. If we introduce a compensation annuity by disability grade similar to Injury-Disease Compensation Annuity of Korean Workers' Compensation & Welfare Service, the expected benefit amount for 1 case of disability grade 1 would be KRW 1.6 billion, assuming 2% of interest rate. Given current premium, the loss ratio, the ratio of premium income to claim payment, is expected 41.4% in 2017 and 151.6% in 2026. The increased loss ratio due to the introduce of the compensation annuity by disability grade is estimated to be 11.0% in 2017 and 40.4% in 2026. Conclusion: Currently, laboratories can purchase insurance companies' laboratory safety insurance that meets the standards prescribed by Act on the Establishment of Safe Laboratory Environment. However, if a compensation annuity is introduced, it would be difficult for insurance companies to operate the laboratory safety insurance due to financial losses from a large-scale accident. Therefore, it is desirable that one or designated entities operate laboratory safety insurance. We think that it is more desirable for laboratory safety insurance to be operated by a public entity rather than private entities.

A Study on the Protection of Trial Subjects in Clinical Trials of Investigational New Drug (의약품 임상시험에서 피험자 보호)

  • We, Kye Chan
    • The Korean Society of Law and Medicine
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    • v.13 no.2
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    • pp.79-113
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    • 2012
  • This study focuses on the protection of trial subjects, who participate in clinical trials for new drug. It takes long time to develop new drugs and the clinical trials are required. Usually, pharmaceutical company, which develop new drug, request a research institution(usually, hospital) to investigate the examination of security and side effects of new drug. The institution recruit trial subject to participate in the trials. The contract for clinical research of investigational new drug is concluded between the pharmaceutical company and the institution. This thesis studies the legal regulations for protection of participants of clinical research for new drug. In this respect the first matter of this study is to seek which relation between pharmaceutical firm and participants of clinical trials. Especially, there is a question which the trial subject is entitled to demand the pharmaceutical company which requested clinical trials the institution to supply the investigational new drug, after the contract for clinical trials had terminated or cancelled. This study take into account the liability of the pharmaceutical company to trial subject. Secondly, it is researched the roles and authority of Institutional Review Board(IRB). IRB is Research Ethics Committee of the institution, in which clinical trials for new drug are conducted. According to the rule of Korea good clinical practice(KGCP), IRB is the mandatory organization which is authorized to approve, secure approval or disapprove the clinical trials for investigational new drug in the institution. The important roles are the review of ethical perspective of trial research and the protection of trial subject. Thirdly, this paper focuses if the participants are to be paid for the participation for clinical research. This is ethical aspect of clinical trials. It is resonable that the participant is reimbursed for expenditure such as travels, and other expenses incurred in participation in trials. It is not allowed that the benefit of clinical trials is paid to trial subject. The payment should not function as financial inducements for participations of trials. Finally, the voluntary consent of the trial subject is required. The institution ought to inform the subject, who would like to participate in trials, and it ought to received informed consent in writing for subject. In this regard, it is matter that trial subject has ability of consent. It is principle that the subject as severely psychogeriatric patient has not ability of consent. However, it is required that not only healthy people but also patients are allowed to take part in clinical trials of new drug, in order to confirm which the investigation new drug is secure. Therefore there are cases, in which the legal representative of subject consent the participation of the trials. In addition, it is very important that the regulations concerning clinical trials of new drug is to be systematically well-modified. The approach of legal and political approach is needed to achieve this purpose.

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A Survey of a Present Utilization of the Parking Lot with the Introduction of a Charging System (일 대학병원 주차장 유료화에 따른 주차장 이용실태 조사)

  • Kim, Jung-Hee;Park, Jin-Sook;Joo, Chan-Uhng;Choi, Ki-Chul
    • Quality Improvement in Health Care
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    • v.4 no.1
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    • pp.116-124
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    • 1997
  • Background : As parking problem caused by increasing owner-driver and patients concentrating to a general hospital is becoming one of the dissatisfactions in medical care. It is time that a general hospital should solve the parking problem in a desirable way. The purpose of this survey is to let the clients understand the basic motivation of the pay parking and develop the better parking system. Methods : Clients of a tertiary care hospital in Chon-ju were surveyed by means of a questionnaire. All in all, 193 subjects answered the questionnaire. Results : In relation to previous experiences, 39.6% of the subjects experienced inconvenience with confused parking lot and the shortage of parking space. Under the current parking system, the subjects who felt the available parking space was enough were more than those who didn't 62.7% of the subjects answered that they could find the parking lot easily. 33.2% of the subjects mentioned that it was not easy to drive in the parking area ; The reasons were pointed out the shortage of space, disordered parking, and insufficient guide. 12.8% of the subjects satisfied with the current administering system of parking lot. The outpatients were more affirmative than the admitted patients about the charging system. As for the parking fee, 64% of the subjects answered that it is expensive, and 89.5% of the subjects thought imposing of parking fee is irrational. Conclusion : To say as a whole, the basic purpose of the charging system are more or less accepted. However, the management details like parking facilities and payment method are dissatisfactory, so it is necessary to improve the management system. It is also noted that the inpatients showed more negative attitude than the outpatients with the charging system. To secure a more convenient parking, the parking system should be considered in relation to the information service, kind guidance, improve facilities, personnel cooperation, fix outpatient scheduling system, etc.

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The Voluntary Assurance of Quality by Contractors in the Construction Phase (건설 공사단계에서 수급자 중심의 품질확보방안)

  • Cha, Sang-Ho;Lee, Sang-Beom
    • Journal of the Korea Institute of Building Construction
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    • v.11 no.3
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    • pp.292-300
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    • 2011
  • The construction industry in Korea has seen significant improvements in quality management techniques, driven by the dramatic development of new technology through Manhattanization and enlargements, but compared with technical development, the level of building quality improvement is still lagging behind. In the meantime, as the interest in construction quality soars due to changes in user consciousness, the level of quality that is being demanded is rising. The government has reinforced quality systems by implementing responsible supervision requirements and granting overseas companies permission to enter the supervision business in Korea, and private sector companies also are attempting quality improvement through quality assurance approaches like the preliminary qualification screening system and ISO 9000 series. But currently, building constructions are done only according to the construction specifications of project owners, whose design, materials and construction methods are already decided, and do not leave any necessity or opportunity for technical developments for the quality improvement of contractors. Therefore, in this study, a work process and system improvement plan for payment regulations is proposed, with which contractors can secure quality voluntarily in the building construction phase.

A Secure Agent of Integrated Administration System for the Electronic Commerce (전자상거래 서비스를 위한 통합 관리 시스템의 보안 에이전트)

  • 서대희;이임영
    • Journal of Korea Multimedia Society
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    • v.5 no.6
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    • pp.674-682
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    • 2002
  • Nowadays economic and commercial businesses have been increased because of the Internet. As a result of this, electronic commerce is becoming one of the most Interesting topic of discussion. Electronic commerce is equal to a real market, only the place of business is the imaginary space supported by the Internet. There are a few conditions to consider, making electronic commerce work safely. The electronic commerce should be connected by a substantial system and an on-line Protocol. There are some conditions needed for information security, authentication, and payment by electronic currency etc. Although there are many kinds of existing systems, which create services successfully, further research for security is required. Therefore, this paper suggests an authenticated Agent management, which offers more convenience and security than before. Also, this paper shows many authenticated methods for a management system. An Agent that is one of interesting things to study can handle information problems and works related to electronic commerce.

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Research about banking automation device design development (은행자동화기기 디자인개발에 관한 연구)

  • Ho, Sung-Jin
    • Proceedings of the Korea Contents Association Conference
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    • 2006.05a
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    • pp.462-465
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    • 2006
  • Now a days the banks, with a wide spread of credit transaction practice in every business, offer better services to their customers, while the automation of banking is being made more rapid progress in th light of efficient banking service. For example, it is true that the automation of cash payment for customers goes on its progress and the competition between companies is getting more serious. Lately the banks that pursue "Banking Automation System" expand distribution of cash dispenser for the better electronic computer service and for the better service for their customers in quality. Therefore the makers producing "CD" accelerate their development of CD in various ways in order to secure M/S as the leading group of th field. CD, a kind of an automatic paying, is being used generally, and has various functions and its design is getting more compact than ever. Under this situation, I studied more trustworthy and convenient CD design suggestions in the way of case study on the basis of the process of developing CD and I suggest the better way of developing the design of CD in the future.

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Smartphone Ownership and Location Checking Scheme for Fixing the Vulnerabilities of SMS-Based Authentication (SMS 기반 인증의 보안 취약점을 개선한 스마트폰 소유 및 위치 확인 기법)

  • Kwon, Seong-Jae;Park, Jun-Cheol
    • The Journal of Korean Institute of Communications and Information Sciences
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    • v.42 no.2
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    • pp.349-357
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    • 2017
  • Many Web sites adopt SMS(Short Message Service)-based user authentication when a user loses her password or approves an online payment. In SMS-based authentication, the authentication server sends a text in plaintext to a user's phone, and it allows an attacker who eavesdrops or intercepts the text to impersonate a valid user(victim). We propose a challenge-response scheme to prove to the authentication server that a user is in a certain place at the moment with her smartphone beside her. The proposed scheme generates a response using a challenge by the server, user's current location, and a secret on the user's smartphone all together. Consequently, the scheme is much more secure than SMS-based authentication that simply asks a user to send the same text arrived on her phone back to the server. In addition to entering the response, which substitutes the SMS text, the scheme also requests a user to input a passphrase to get the authentication process started. We believe, however, the additional typing should be tolerable to most users considering the enhanced security level of the scheme.