• 대한가정학회지
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• 제38권11호
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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.

• 문화기술의 융합
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• 제3권2호
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• pp.37-42
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• 2017

인터넷(ICT)과 은행(금융)이 융합하여 형성된 인터넷전문은행은 핀테크의 결정체라고 불리며 최근 급속한 성장속도를 보이고 있다. 현재 한국의 대표적인 인터넷전문은행으로는 'K뱅크'와 '카카오뱅크'가 있으며, 출범과 동시에 'IT 금융 혁신의 시작'이라는 반응을 얻고 있다. 인터넷전문은행의 편리한 금융서비스를 이용하며 시간적 금융적인 장점을 극대화하는 사용자도 있지만, 신규은행인 단점으로 거래계좌를 검색해도 사기 등의 잘못 악용된 전적을 찾을 수 없기 때문에 중고물품 거래를 악용한 단 한 명의 사기판매자로 인한 피해금액만도 2,000만원을 상회하는 경우도 있다. 본 논문에서는 인터넷전문은행의 최신 동향을 분석하고 피해/긍정사례들을 제시, 분석하며 인터넷전문은행의 피해 예방 방법과 발전전략을 연구, 제안한다.

• Communications for Statistical Applications and Methods
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• 제17권6호
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• pp.879-889
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• 2010

본 논문은 국민계정의 문화부문 위성계정인 문화위성계정의 체계와 우리나라가 문화위성계정을 작성하기 위해 필요한 사항 등을 내용으로 한다. 문화위성계정은 각기 개별적 기능을 갖는 5개 부문으로 구성하도록 권고되고 있다. 동 권고안에 의하면 제 1부문부터 제 4부문까지는 각각 해당부문의 공급과 수요측면의 통계를 수록하도록 되어 있고, 제 5부문은 참고사항 모듈(documentation module)로 편제하도록 권고되고 있다. 문화위성계정의 제 1부문은 문화활동 개요 모듈(macro-information module), 제 2부문은 문화생산량 모듈(quantity/volume output module), 제 3부문은 특성 모듈(characterization module), 제 4부문은 목표분석 모듈(targeted analysis/analytical module)로 구성된다.

• Journal of information and communication convergence engineering
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• 제9권5호
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• pp.573-576
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• 2011

In this paper is given one method of constructing payment via commonly used mobile phone, SIM-card and plastic card based on USSD-commands.

• 통상정보연구
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• 제8권4호
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• pp.71-88
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• 2006

This article want to discuss on comparative research between CHIPS and Fedwire as the cross-border payment systems which America have and use at present. CHIPS is a New York-based automated private-sector clearing facility for large-dollar transfers. It is a central switch communication and settlement system whose 53 participating banks exchange same-day payment messages over dedicated communication lines linking each one to the CHIPS central computer. On January 22, 2001, CHIPS introduced immediate finality for payment released from the CHIPS queue. Unlike the Fedwire system, The CHIPS system is not a real-time gross settlement system. Instead, CHIPS is hybrid system that uses a computer program to select payment order in a queue for release to the receiving bank. CHIPS are governed by CHIPS Rules and Administrative Procedures. Fedwire system is a nationwide electronic fund-transfer system facilitating same-day transfers throughout the United States. It is a gross settlement system providing immediate credit to the receiving bank's master account. Communicating between a Federal Reserve Bank and Fedwire users can be either on-line or off-line. Fedwire transfers are governed by Subpart B of Regulation J, issued by the Federal Reserve Board, which incorporates U.C.C. Article 4A but preempts or supersedes any of its inconsistent provisions.

• 디지털산업정보학회논문지
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• 제10권3호
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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.

• The Journal of Asian Finance, Economics and Business
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• 제5권1호
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• pp.17-27
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• 2018

In 21^st Century business world, services are carried out in multifaceted, competitive and rationality manner that are characterized by evolving many factors, which are often unpredictable. On-the-go banking is a product in financial sector. However, it faces serious pitfalls being it riskiness. Bank customers compete for time-saving options. On contrary, PCBs compete for marginalizing its operating costs for enhancing its revenues. On strategic tactics, PCBs targets city customers in multi-facets including offering incentives for enhanced usages of on-the-go banking. Influencing customer's intention, attitude and behavior in banking, PCBs also offers incentive under market system along with often informational asymmetry. However, it causes exploitation. In most cases customers don't read terms & conditions of services. They don't save contract-copy. These weaknesses cause abuses. Customer faces hidden charges, extra fees, account hacked. Addressing the issue, Voluntary Insurance Option is proposed where PCBs will introduce it as a product of bank-services. Transferring risk away from customer will benefit both PCBs and bank-customers. This product can attract new customers who were on the brink using digital banking but just felt it was too risky. This model can facilitate the parties involved for increasing usage of on-the-go banking-services while customers can maintain optimal utility of usages.

• 통상정보연구
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• 제10권2호
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• pp.283-304
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• 2008

According to globalization and localization of world economics international trade payment method was also changed. A traditional payment was Letter of Credit basis, however it is being increased to various methods such as remittance, documentary collection(D/P, D/A) and open account. In order to acquire a secure export payment, exporters prefer to L/C basis which is guaranteed by a reliable bank. However, the L/C should bear a security so that importers would rather documentary collection than L/C. The reasons for the preference of collection payment rather than L/C are a low commission cost, the conversion of buyer's market from seller's market due to severe competition in the world market, transaction increase between main office and branches and a right to control the goods until executing the payment by exporters. Besides of them, collection payment can handle safer and faster than open account basis. However, the collection payment has a risk which it isn't guaranteed by bank for the payment so that I would suggest countermeasures to minimize the payment risk utilizing the collection basis as follows; using export credit insurance system, a large domestic credit report provider such as D&B for absolutely fresh and new information, a collection proxy service for overseas deferred credit and suggestion specifying to order B/L not straight one on consignee in order to transfer the right of ownership with endorsement without problem.

• 정보보호학회논문지
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• 제25권6호
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• pp.1607-1620
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• 2015

서버 Privilege 계정은 법규에 따라 운영 되어야 한다. 그러나 농협은 서버 Privilege 계정 운영에 대한 법규 미준수와 운영 미흡으로 서버의 모든 데이터가 삭제되는 농협 전산망 해킹 사건이 발생하였다. 본 연구에서는 금융회사의 서버 Privilege 계정 운영방식을 결정하기 위한 모델을 제시하기 위해 금융회사의 Privilege 계정 운영 현황을 조사하여 문제점을 도출하고, 개선방안을 제시한다. 또한, Privilege 계정 운영현황 조사를 통해 선정된 평가요인은 AHP(Analytic Hierarchy Process)를 사용하여 의사결정 모델과 공식을 제시하고 검증한다.

• Parasites, Hosts and Diseases
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• 제48권4호
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• pp.351-353
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• 2010

To investigate the population densities of potential malaria vectors, Anopheles species were collected by light traps in malaria endemic areas, Paju and Gimpo, Gyeonggi-do of Korea. Five Anopheles Hyrcanus sibling species (An. sinensis, An. pullus, An. lesteri, An. kleini, and An. belenrae) were identified by PCR. The predominant species, An. pullus was collected during the late spring and mid-summer, while higher population consists of An. sinensis were collected from late summer to early autumn. These 2 species accounted for 92.1 % of all Anopheles mosquitoes collected, while the other 3 species accounted for 7.9%. Taking into account of these population densities, late seasonal prevalence, and long-term incubation period (9-13 months) of the Korean Plasmodium vivax strain, An. sinensis s.s is thought to play an important role in the transmission of vivax malaria in the study areas.