• Proceedings of the Korea Institutes of Information Security and Cryptology Conference
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• 2001.11a
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• pp.253-257
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• 2001

본 논문은 공개키 암호 시스템에서 사용자의 비밀키를 안전하게 보관할 수 있는 시스템을 제안한다. 키 보관시스템은 사용자가 자신의 비밀키를 저장할 환경을 갖추지 못하였거나 분실하였을 경우 온라인 통신에 의해 안전하게 비밀키를 얻을 수 있는 시스템이다. 키 보관 시스템은 공개키 기반구조(PKI)와 연동하여 운용되는 암호시스템이다. 이 논문에서 비밀키 보관 시스템을 설계하는 방법으로서 비밀키를 메모리에 저장하여 인증기관을 통하여 인증된 사용자에게 발송하는 방법과 마스터 키 개념을 이용한 공개키 연동 키 복구 시스템을 변경하여 사용하는 방법을 제안하고 이들 방법을 안전성과 효율적인 측면에서 비교 분석한다.

• Journal of the Korean Home Economics Association
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• v.38 no.11
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• pp.63-75
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• 2000

To identify the actual situation of financial information disclosure, a content analysis was performed on pamphlets of a time deposit and a new reserve trust offered by banks and other financial institutes. Although consumers required information on interest rate, tax favor, loan service, protection of brink depositors and bank security to select a financial service account, informations offered on pamphlets are not sufficient. Therefore concrete way of information offer system shoed be developed. In offering interest rate, interest rate after tax deduction or payment at maturity should be also mentioned. Information on tax favor, protection of bank depositors and bank security should be contained in pamphlets as well. Use of easy terms and notes are recommended for developing pamphlets for financial products.

• Convergence Security Journal
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• v.11 no.3
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• pp.99-111
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• 2011

The management and deposit of paper document costs are increased gradually. Specially, it is too expensive to safekeeping paper document in the warehouse. Also paper based document system is exposed in several security problems. Therefore, demands of transformation process from paper document into electronic ones are quietly needed. Electronic document repository system is one of the best solutions for solving paper based document system issues. Electronic document repository system can reduce overall costs and provides some advantages in comparison with paper based document system. But, electronic document repository system has no formal methodology for guarantee safeties. Therefore, we suggest a security mechanism for establish electronic document repository system. Suggested security methodology can help for design of more secure electronic document repository system.

• Asian Journal of Business Environment
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• v.6 no.3
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• pp.11-14
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• 2016

Purpose - Microfinance institutions (MFIs) in Bangladesh have been providing savings services to their clients at least for the past 15 years. However, whether an MFI should have institutional requirement(s) to be a deposit-taker generates interest among academics and policy makers. Thus, this short note aims to provide a brief overview of institutional properties of MFIs. Research Design, Data, and Methodology - This study used the existing literature and reports by the Microcredit Regulatory Authority' to investigate institutional properties of MFIs. In doing so, we have used 'institutional theory of saving' as a theoretical ground. Although the 'institutional theory of saving' has several important properties, the existing literature mostly discusses seven features such as information, incentives, facilitation, expectation, access, restrictions and security. Results - It is found that MFIs- in general- should have all the seven important institutional properties to be considered as an ideal savings institution. With regards to the microfinance sector in Bangladesh, this study supports that all the NGO-MFIs have these properties to be considered as an ideal deposit taker. Conclusions - The microfinance sector in Bangladesh needs to design and develop comprehensive and customer friendly savings products to further motivate the poor to save in MFIs.

• Convergence Security Journal
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• v.22 no.3
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• pp.79-86
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• 2022

Voice phishing is a cyber crime in which fake financial institutions, the Public Prosecutor's Office, and the National Police Agency are impersonated to find out an individual's Certification number and credit card number or withdraw a deposit. Recently, voice phishing has been carried out in a subtle and secret way. Analyzing the trend of voice phishing that occurred in '18~'21, it was found that there is a seasonality that occurs rapidly at a time when the movement of money is intensifying in the trend of voice phishing, giving ambiguity to time series analysis. In this research, we adjusted seasonality using the X-12 seasonality adjustment methodology for accurate prediction of voice phishing occurrence trends, and predicted the occurrence of voice phishing in 2022 using the ARIMA model.

• The Journal of the Korea Contents Association
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• v.14 no.8
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• pp.466-475
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• 2014

According to the Housing Lease Protection Act, even though it is not registered, if the lessee has completed delivery of a house and the resident registration, the lease shall take effect against the third person from the following day thereof. Any lessee who has met the requirements for opposing power and obtained the fixed date on the lease contract document, shall be entitled to receive the repayment of the deposit from the converted price of the leased house, in preference to any junior obligors and other creditors, at the time of an auction as provided by the Civil Execution Act and a public sale as prescribed by the National Tax Collection Act. The lessee shall be entitled to receive a repayment of a specified amount of the deposit in preference to other persons having the security rights in the leased house. However those provisions give rise to many problems because the Housing Lease Protection Act allows the opposing power and the right of preferential payment from the following date of fulfillment of the requirement. For the purpose of solving the problems, this study suggests that the Housing Lease Protection Act need to be amended as follows. The fixed date should be added to the requirement of opposing power and the preferential right of specified deposit repayment. In addition, the commencement of opposing power and preferential right of deposit repayment need to be taken effect from the day that the requirement is fulfilled.

• International Journal of Knowledge Content Development & Technology
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• v.10 no.1
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• pp.7-20
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• 2020

For research data to be shared without legal, financial and technical barriers in the Open Science era, data repositories must have the functional requirements asked by DMP and CoreTrustSeal. In order to derive functional requirements for the data repository, this study analyzed the Data Management Plan (DMP) and CoreTrustSeal, the criteria for certification of research data repositories. Deposit, Ethics, License, Discovery, Identification, Reuse, Security, Preservation, Accessibility, Availability, and (Meta) Data Quality, commonly required by DMP and CoreTrustSeal, were derived as functional requirements that should be implemented first in implementing data repositories. Confidentiality, Integrity, Reliability, Archiving, Technical Infrastructure, Documented Storage Procedure, Organizational Infrastructure, (Meta) Data Evaluation, and Policy functions were further derived from CoreTrustSeal. The functional requirements of the data repository derived from this study may be required as a key function when developing the repository. It is also believed that it could be used as a key item to introduce repository functions to researchers for depositing data.

• Proceedings of the Korean Society of Computer Information Conference
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• 2017.01a
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• pp.89-92
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• 2017

공탁이란 채권자의 수령거절이나 수령불능 또는 채권자를 알 수 없는 등으로 변제를 할 수 없는 때에 변제자가 채권자를 위하여 변제의 목적물을 지방법원 공탁소에 임치함으로써 채무를 면하는 제도를 말한다. 또한 권리의 실현과정에서 다양한 기능을 하고 있는 법적제도이지만, 국민의 권리실현을 위한 채무자 보호입장에서 실질적으로 사적기관에 이임되는 경우가 많다. 특히 오랜 역사 속에서 발전되어 온 공탁제도는 처음에는 선의의 채무자를 보호하기 위한 제도로 출발하였으나, 현재는 권리구제적인 측면에서 제재나 보안수단으로 발전되어 온 것이 사실이다. 그러나 이 공탁제도가 시대상황을 잘 반영하여 운영하고 있지만, 공탁물의 범위에 있어서 외국화폐나 사법상의 재산권을 표창하는 증거증권은 그 범주에 들지 않는 문제점 등이 제기되고 있다. 따라서 본 연구에서는 외국의 입법례를 통하여 우리의 현행 민법 하에서 국민의 법 감정과 정서에 맞는 가장 바람직한 공탁제도의 방향을 제시하고자 한다.

• Journal of the Korean Operations Research and Management Science Society
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• v.37 no.2
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• pp.17-29
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• 2012

We examine a mortgage bank's incentive distortion problem when the bank sells its existing loan through MBS(Mortgage-Backed Security), considering the mortgage market structure and varying investors' risk attitude. Main findings in our comparative statics are the followings. The bank's monitoring incentive on the loan sold is distorted downwards when the deposit interest rate is lower than the coupon rate of MBS. Credit enhancement associated with the loan sale may mitigate the incentive distortion problem. However, the downward distortion of monitoring incentive does not disappear unless the credit enhancement, a loan guarantee, is provided up to 100%. Finally as the investors' risk preference changes from risk-neutral to risk-averse type, the incentive distortion problem becomes more severe. At the end, we recommend the introduction of covered bond in order to mitigate the incentive distortion problem, which is inevitable to current pass-through MBS.

• Korean Journal of Human Ecology
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• v.7 no.1
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• pp.81-99
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• 2004

This study examined one room(studio apartment) residential deweller's housing behavior and housing need, and the relationship between the sense of housing values and housing satisfaction of one-room residence, The study surveyed 302 one-room residents in Busan city. The researcher modified, complimented, and used the previous researches on housing values and housing satisfaction. The analysis of the data used SPSS Win 10.0 program. The results of the research can be summarized as follows: 1. The motive of choosing one-room residence was mainly the closeness to the school or work, Jeonse(Rent with a one-room deposit) was more common than ownership, and the size is one-room residence was 10 to 15 Pyeong. 2. Among the five housing values of one-room residence dwellers, that is, amenity, indoor and outdoor environment, economy/convenience, convenience in transportation, and the interior functionality, the convenience in transportation was ranked highest, and the indoor and out door environment and economy/convenience followed. 3. The housing satisfaction of one-room residents was highest in location, and also high in the safety and the security or privacy, and the convenience of inside facility.