• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.18 no.5
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• pp.77-90
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• 2023

This study aims to investigate the potential of alternative credit assessment through Social Networking Sites (SNS) as a complementary tool to conventional loan review processes. It seeks to discern the impact of SNS usage characteristics and loan product attributes on credit loan repayment. To achieve this objective, we conducted a binomial logistic regression analysis examining the influence of SNS usage patterns, loan characteristics, and personal attributes on credit loan conditions, utilizing data from Company A's credit loan program, which integrates SNS data into its actual loan review processes. Our findings reveal several noteworthy insights. Firstly, with respect to profile photos that reflect users' personalities and individual characteristics, individuals who choose to upload photos directly connected to their personal lives, such as images of themselves, their private circles (e.g., family and friends), and photos depicting social activities like hobbies, which tend to be favored by individuals with extroverted tendencies, as well as character and humor-themed photos, which are typically favored by individuals with conscientious traits, demonstrate a higher propensity for diligently repaying credit loans. Conversely, the utilization of photos like landscapes or images concealing one's identity did not exhibit a statistically significant causal relationship with loan repayment. Furthermore, a positive correlation was observed between the extent of SNS usage and the likelihood of loan repayment. However, the level of SNS interaction did not exert a significant effect on the probability of loan repayment. This observation may be attributed to the passive nature of the interaction variable, which primarily involves expressing sympathy for other users' comments rather than generating original content. The study also unveiled the statistical significance of loan duration and the number of loans, representing key characteristics of loan portfolios, in influencing credit loan repayment. This underscores the importance of considering loan duration and the quantity of loans as crucial determinants in the design of microcredit products. Among the personal characteristic variables examined, only gender emerged as a significant factor. This implies that the loan program scrutinized in this analysis does not exhibit substantial discrimination based on age and credit scores, as its customer base predominantly consists of individuals in their twenties and thirties with low credit scores, who encounter challenges in securing loans from traditional financial institutions. This research stands out from prior studies by empirically exploring the relationship between SNS usage and credit loan repayment while incorporating variables not typically addressed in existing credit rating research, such as profile pictures. It underscores the significance of harnessing subjective, unstructured information from SNS for loan screening, offering the potential to mitigate the financial disadvantages faced by borrowers with low credit scores or those ensnared in short-term liquidity constraints due to limited credit history a group often referred to as "thin filers." By utilizing such information, these individuals can potentially reduce their credit costs, whereas they are supposed to accrue a more substantial financial history through credit transactions under conventional credit assessment system.

• KIPS Transactions on Computer and Communication Systems
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• v.6 no.10
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• pp.415-420
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• 2017

Virtualization technique of OS-level is a new paradigm for deploying applications, and is attracting attention as a technology to replace traditional virtualization technique, VM (Virtual Machine). Especially, docker containers are capable of distributing application images faster and more efficient than before by applying layered image structures and union mount point to existing linux container. These characteristics of containers can only be used in layered file systems that support snapshot functionality, so it is required to select appropriate layered file systems according to the characteristics of the containerized application. We examine the characteristics of representative layered file systems and conduct write performance evaluations of each layered file systems according to the operating principles of the layered file system, Allocate-on-Demand and Copy-up. We also suggest the method of determining a appropriate layered file system principle for unknown containerized application by learning block I/O usage history of each layered file system principles in artificial neural network. Finally we validate effectiveness of artificial neural network created from block I/O history of each layered file system principles.

• Journal of architectural history
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• v.8 no.4 s.21
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• pp.39-62
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• 1999

Basic concept of this study is that architectural form as a material at present has meaning for the dweller's life on the past historical plane. Main method to recover history is ethnographic interview to dwellers. Secondary method is to analyze ancestors' writings, buildings in the background of the family photos, and past drawings and then to relate them with architectural form at present. Taxonomy is a starting point: general name of the building by outside researcher is quite different from it by inside dwellers. 'Haengrang-chae', servant quarter, has never been used for servants. Function of the haengrang went outside thatched houses at the front village. Firsthand observation or simple analyses as results of several precedent research are reexamined and criticized through this study. The mansion has moaning when we synthesize with the site location based on farming land and tenant farmer, and decline of the Kyongpo Lake. Territoriality of the mansion is reinterpreted to 'In-Out Structure' by Yin-Yang thinking, Dwellers extend buildings gradually to outside village, surrounding rear hills, the lake, DongHae Sea, and finally goes to imaginative Taoist heaven beyond real nature through the literary life. Confucius principle, known to govern upper class house at Yi Dynasty also affect general composition of the buildings: perpetuation of the family by ancestor worship, elder dominance and male dominance, fraternity love in the extended family, charity display by reception of guests, Taoist scholarly life harmonized with nature. However, the study of the particular life and usage of the dwellers reinforces or corrects general supposition of precedent researches. Unique shape of the house has been formed by convenience of the dwellers' life style, early modernized free thought over the rigid Confucius design principle, and female power in male dominant society.

• The Journal of Korean Medicine Ophthalmology and Otolaryngology and Dermatology
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• v.29 no.3
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• pp.1-13
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• 2016

Objectives : We conducted a survey aimed at developing a personal health record application for the treatment of atopic dermatitis in Korean medicine .Methods : We conducted a survey on Korean medicine doctors who attended the Korean Medicine Ophthalmology and Otolaryngology and Dermatology conference 2016. The questionnaire was based on priority of usage of the diagnostic indices and tools, and intention to use the personal health record application for treatment of atopic dermatitis in the clinic.Results : Data were collected from 50 Korean medicine doctors. Ninety-six per cent of respondents replied that they were willing to use the personal health record application for treating atopic dermatitis. Among the diagnostic indices related to atopic dermatitis, Korean medicine doctors regarded the following as important in the order of priority, i.e., condition of skin, lifestyle, risk factors, symptoms other than those of skin, past history, family history and medical history, results of tongue, pulse, and abdomen investigation, and constitution. These results did not vary with the purpose of diagnosis, and the results were consistent with those obtained with the intention to use diagnostic. Over 50% of respondents replied that they use immunoglobulin E, scoring atopic dermatitis, and visual analogue scale among the diagnostic tools.Conclusions : Our survey was conducted on clinicians who are the intended users of the personal health record application for the treatment of atopic dermatitis; hence, the results of this study can be helpful for developing a useful personal health record application for atopic dermatitis in the clinic.

• Journal of Information Technology Services
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• v.20 no.6
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• pp.83-95
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• 2021

In this study, various usage patterns were analyzed after establishing a data mart for micro mobility analysis based on the rental history of public bicycles in Seoul. Rental history data is origin-destination data that includes the rental location and time, and the return location and time. About 1500 rental locations were classified according to the characteristics of the location to create a 'station type' dimension. We also created a 'path type' dimension that displays whether the rental location and return location are the same. In addition, a derived variable called speed, which is obtained by dividing the distance used by the time used, is added, and through this, the characteristics of the riding area and the reason for the rental can be estimated. Meanwhile, administrative district link, administrative neighborhood link, and station type link were created to apply network analysis. Through this analysis, the roles and proportions of administrative districts, public facilities, and private facilities engaged in micro-mobility services were visualized. 49.9% of rentals occur at rental offices near transportation facilities, and half of them occur at rental offices near subway stations. The number of rentals during the evening rush hour is more than double that of the morning rush hour. When the path type is unidirectional, there is a fixed destination, so the distance and time used are short, and the movement speed tends to be high. In the case of round-trip, the purpose of use is exercise or leisure, so the distance and time used are long, and the movement speed is slow. It is expected that the results of the analysis can be used as reference materials for selecting new rental locations, providing convenient services for users, and developing user-specialized products.

• Journal of the Korea institute for structural maintenance and inspection
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• v.11 no.3
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• pp.185-191
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• 2007

For the seismic performance enhancement of residential flat plate structure and for the selection of earthquake records, the possibility of base isolation is evaluated and the time history results are reviewed. By evaluating a base isolated stiffness, a target period, and an envelope curve analysis, seismic performance of structure, which has strong rotational mode, is evaluated. For the propriety evaluation of earthquake records usage and scaling method, time history analysis is done with variables such as DBE(design base earthquake) level, MCE(maximum considerable earthquake) level, and 1.4DBE level. From the analysis results, following conclusions can be made; the earthquake records, which are used in base isolation analysis, should be selected by similar soil type which the structure is considered, and should be intensity scaled in a range of mean ${\pm}$ standard deviation of code based design response spectrum.

• Journal of information and communication convergence engineering
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• v.5 no.2
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• pp.159-163
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• 2007

RFID applications are mostly associated with the timestamp when the events occur. For managing RFID data we need to design data modeling for RFID data to support monitoring and temporal queries. In this paper, we propose a temporal RFID data modeling to maintain the history of events and state changes and to monitor the states of RFID objects. This data modeling involves essential basic operations for RFID data to monitor the information of RFID objects and to support temporal queries. Filter operations can achieve better query performance and obtain efficient storage space usage. It is possible to adapt into different temporal business applications.

• ETRI Journal
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• v.27 no.1
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• pp.64-74
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• 2005

Traditional Internet pricing schemes are coming under continual pressure to adapt to, and encourage, a changing mix of Internet applications and consumer usage patterns. Much research effort over the last decade has been focused on developing more efficient and attractive charging schemes. However, none of the proposed models has been widely deployed. This raises questions regarding the inhibiting factors and missing pieces that make pricing the Internet such a challenge. In this paper, we discuss the problems with current Internet pricing schemes, review the history of Internet pricing research over the last ten years, and summarize the key features and motivations of the most significant models. We develop a novel visual approach to comparing and evaluating such schemes using a three-dimensional (3D) metric encompassing technical efficiency, economic efficiency, and social impact. We address and discuss the important factors that have inhibited the deployment of the reviewed models and suggest productive areas of focus for future Internet pricing research.

• Environmental Analysis Health and Toxicology
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• v.31
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• pp.24.1-24.7
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• 2016

The humidifier disinfectant disaster (HDD) was not a simple poisoning accident by biocides, but a singular disaster in history created by chemicals in household products. This disaster was a result of the failure of a system for the management of chemical and product safety. Since the management authority for chemical usage safety is different from those for chemical safety in products, many blind areas for chemical safety management in products still remain. The 'Act on the Registration and Evaluation, etc. of Chemical Substances (ARECS)' or the new 'Biocidal Product Act' must not only address the blind areas in the management system for chemical and product safety, but also prevent a second HDD. To prevent another HDD, an integrated registration, evaluation, and management system for chemicals and consumer products must be incorporated into the 'ARECS' as an essential part for chemical safety in consumer products.

• Proceedings of the KIEE Conference
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• 2006.10c
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• pp.503-505
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• 2006

In this paper we introduce a design and implementation of an agent for multimedia retrieval and personalized broadcasting service. It is compliant with TV Anytime Forum specifications and supports searching location resolving, storing and streaming of remote multimedia contents. For this service, we implemented a contents server, a 메타데이터 database server, a location resolution server and a client terminal is implemented The Client terminal gathers content information by SOAP of operation, and it has a user preference module and usage history module that make user information. The personalize service agent recommends suitable contents to user by similarity algorithm.