• Journal of the Korean Data and Information Science Society
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• v.28 no.1
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• pp.163-171
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• 2017

With the advance of function of smart phone system and internet services, mobile trade grows more popular in the area of e-business or banking. These environmental changes, it makes the needs of authorized certificates. Authorized certificate is not only important in these days but also future society. In 2015, 27 millions of Korean people used public key certificate, but most of them does not know the details on the public key certificate. Therefore, in this paper, we explain and investigate the characteristics on the public certificate and explain the relation ship between authorized certificate and public key encrytion. By investigating several papers, internet data, newspapers and books, we found the historical changes, substantial aspects, the encryption systems on the authorized certificate. Also we study the pros and cons of authorized certificate. Finally we predict the number of issued authorized certificate for the future society based on nonparametric statistical method.

• The Journal of the Institute of Internet, Broadcasting and Communication
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• v.15 no.6
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• pp.1-9
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• 2015

Recently, with smart device proliferation and providing the various services using this, they have interested in mobile and Smart TV security. Smartphone users are enjoying various service, such as cloud, game, banking. But today's mobile security solutions and Study of Smart TV Security simply stays at the level of malicious code detection, mobile device management, security system itself. Accordingly, there is a need for technology for preventing hacking and leakage of sensitive information, such as certificates, legal documents, individual credit card number. To solve this problem, a variety of security technologies(mobile virtualization, ARM TrustZone, GlobalPlatform, MDM) in mobile devices have been studied. In this paper, we propose an efficient method to implement security technology based on TYPE-I virtualization using ARM TrustZone technology.

• Journal of Digital Convergence
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• v.16 no.2
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• pp.157-167
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• 2018

Internet only banking has been spreading rapidly since it was first introduced in Korea since 2017, but issues regarding its limitations continuously are rising. In this research, consumers' intention to switch have been empirically demonstrated toward the internet banking by applying the PPM theory. To achieve a purpose of the research, survey targeting total 132 person who have experiences of using KaKaobank have been implemented by using Smart PLS 3.0. In conclusion, it has been verified that the push and full effect have a positive effect on the consumers' intention to switch main bank and the degree of usage of KaKaobank have significantly influences on relation between mooring factor and consumers' intention to switch main bank. Through this study, the scope of the PPM theory applied in previous researches regarding consumer's service transition shall be extended to Fintech service and practically it provides implications for establishing a strategy to enter the Internet only bank market.

• The Journal of Industrial Distribution & Business
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• v.9 no.6
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• pp.77-85
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• 2018

Purpose - The purpose of this study is to subdivide trade transaction-centered structure in a logistics/distribution industry system to apply blockchain, to establish and resolve with which types of technology, and to provide policy direction of government institution and technology to apply blockchain in this kind of industry. Research design, data, and methodology - This study was conducted with previous researches centered on cases applied in various industry sectors on the basis of blockchain technology. Results - General fields of blockchain application include digital contents distribution, IoT platform, e-Commerce, real-estate transaction, decentralized app. development(storage), certification service, smart contract, P2P network infrastructure, publication/storage of public documents, smart voting, money exchange, payment/settlement, banking security platform, actual asset storage, stock transaction and crowd funding. Blockchain is being applied in various fields home and abroad and its application cases can be explained in the banking industry, public sector, e-Commerce, medical industry, distribution and supply chain management, copyright protection. As examined in the blockchain application cases, it is expected to establish blockchain that can secure safety through distributed ledger in trade transaction because blockchain is established and applied in various sectors of industries home and abroad. Parties concerned of trade transaction can secure visibility even in interrupted specific section when they provide it as a base for distributed ledger application in trade and establish trade transaction model by applying blockchain. In case of interrupted specific section by using distributed ledger, blockchain model of trade transaction needs to be formed to make it possible for parties concerned involved in trade transaction to secure visibility and real-time tracking. Additionally, management should be possible from the time of contract until payment, freight transfer to buyers through land, air and maritime transportation. Conclusions - In order to boost blockchain-based logistics/distribution industry, the government, institutionally, needs to back up adding legal plan of shipping, logistics and distribution, reviewing standardization of electronic switching system and coming up with blockchain-based industrial road maps. In addition, the government, technologically, has to support R&D for integration with other high technology, standardization of distribution industry's blockchain technology and manpower training to expand technology development.

• Journal of Digital Convergence
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• v.13 no.4
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• pp.101-114
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• 2015

The purpose of this study is first to understand agent's turnover from both academic and perspectives. Then we suggest convergence of smart work paradigm and supervisor's support as the relieving factors of turnover, The research model of this study is based upon reviews of turnover literature, the smart work and supervisor's support as moderating variables from which research hypotheses were derived. The data came from the survey from financial sector agents such as banking, insurance, and others. The analyses has been done by SPSS 20.0, We used multiple regressions to test the effects of the tested variables on the dependent variable, job satisfaction. The results of this study find significant relations of smart work and supervisor's supports in relations to personal and job-related turnover. The implication is smart work and supervisor's supports play significant role in increasing job satisfactions. Major finding is too much supervisor's supports ignoring agent's situations may bring reverse effects on relieving turnover.

• The Journal of Korean Institute of Communications and Information Sciences
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• v.40 no.8
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• pp.1551-1559
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• 2015

Recently, the performance of smart devices is almost similar to that of the existing PCs, thus the users of smart devices can perform similar works such as messengers, SNSs(Social Network Services), smart banking, etc. originally performed in PC environment using smart devices. Although the development of smart devices has led to positive impacts, it has caused negative changes such as an increase in security threat aimed at mobile environment. Specifically, the threats of mobile devices, such as leaking private information, generating unfair billing and performing DDoS(Distributed Denial of Service) attacks has continuously increased. Over 80% of the mobile devices use android platform, thus, the number of damage caused by mobile malware in android platform is also increasing. In this paper, we propose android based malware detection mechanism using time-series analysis, which is one of statistical-based detection methods.We use auto-regressive moving-average model which is extracting accurate predictive values based on existing data among time-series model. We also use fast and exact malware detection method by extracting possible malware data through Z-Score. We validate the proposed methods through the experiment results.

• The Journal of the Institute of Internet, Broadcasting and Communication
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• v.18 no.5
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• pp.141-146
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• 2018

In this paper, we propose a system for efficient customer management by linking the automatic dispenser and bank server computer to smart phone. The proposed background is as follows. The customer management system used by banks has been used by ordinary users. However, with the development of smartphones, the number of online banking users has increased and the number of bank branches has decreased, so that a long waiting time occurs when a bank is directly used offline. In addition, customer inefficiency time loss causes problems in customer service. In this paper, we propose a queue management system based on the number of customers by using the automatic dispenser that is used offline with the smartphone to improve customer service resulting from such a customer management problem.

• Human Ecology Research
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• v.52 no.4
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• pp.429-441
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• 2014

The use of smartphones has grown rapidly over a short period of time, particularly for commuting news search, smart banking, and social networking services, and has had a significant impact on the pattern of contemporary life. Further, a wide range of applications are downloaded on to smartphones. This has also led a considerable number of complaints regarding these applications. In this study, we focus on the levels of dissatisfaction that users experience with smartphone applications and their effects on consumer complaint behavior along with the moderating effects of the complaint handling process and attribution. The aim of this study is to verify whether the following hypothesis--2 (low/high dissatisfaction level of smartphone applications)${\times}2$ (poor/excellent complaint handling process)${\times}2$ (internal/external consumer attribution)--is in accordance with the betweengroup design to build a factorial design experiment. The results of this study are as follows. First, the consumer's tendency to complain significantly influenced their dissatisfaction level. Second, consumer complaint behavior is modulated by the complaint handling process. Third, the external-attribution tendency of consumers was found to lead to more dissatisfaction than the tendency for internal attribution.

• The Journal of Information Systems
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• v.29 no.3
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• pp.77-101
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• 2020

Purpose Internet only bank is one of the promising untact businesses which are rising in COVID-19 pandemic. Kakaobank and Kbank have been offering banking services since 2017 in Korea and WeBank and MYbank in China opened the services since 2015. It is necessary to examining determinants of customer loyalty beyond intention to use. The purpose of the present study is to analyze factors influencing customer loyalty and their determinants. A research model integrating the relationships among customer loyalty, service satisfaction, trust, and social influence, and their determinants was proposed. Design/methodology/approach Structural equation modelling for validating the research model was employed. 235 valid data were collected from users of Internet only bank in China. Nine latent variables grouped from 38 indicators were reliable and valid and nine hypotheses were tested by using SmartPLS. Findings All nine hypotheses were supported at significant levels of 0.001 and 0.01. Trust, service satisfaction, and social influence had influenced on customer loyalty. Trust not only affected customer loyalty directly, but also had influence on it indirectly through service satisfaction. Empathy and convenience are determinants of trust. Perceived expertise and dispositions believing acquaints had a positive influence on social influence, whereas users' anxiety for technology or change had a negative influence on social influence. Implications for academics and practitioners were suggested.

• The KIPS Transactions:PartC
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• v.11C no.6 s.95
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• pp.755-764
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• 2004

Recently 'Banking IC Card Standard' and EMV Standard by the domestic standard is selected, and it is situation that is developing infrastructure vigorously to alternate Magnetic Stripe card by IC card. This paper analyzes EMV standard that is selecting public key cipher, and research wishes to study unexhausted EMV PKI relatively than internet PKI, WAP PKI etc. This paper propose utilizable EMV base Payment PKI model in IC card base payment system development, and developed EMV CA system with this. Also, this paper supplemented IC card Authentication mechanism that is defined in EMV standard, and propose 'Efficient smart card Authentication mechanism' to improve performance of this mechanism, and estimate performance.