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A Comparative Assessment Between ACSS of Canada and FedACH of America as a Electronic Payment System (전자결제시스템으로서 캐나다의 ACSS와 미국의 FedACH의 비교연구)

  • Lee, Byeong-Ryul
    • International Commerce and Information Review
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    • v.18 no.1
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    • pp.55-78
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    • 2016
  • This paper discusses on Electronic Payment System between U.S.A. and Canada. In particular, I focused on ACSS compare with FedACH(Fed Automated Clearing House) to advance a research effects. Because both of them is a low-value, high-volume retail payment system which their countries represent. The ACSS(Automated Clearing Settlement System) is the system through which the vast majority of CPA payment items are cleared, through various payment streams. In 2014, ACSS system cleared approximately 6.8billion payments worth a total value of $ 44.9 trillion. While, The FedACH Network are the center of America Commerce, moving more than $40 trillion each year. That's made up of almost 23 billion electronic financial transaction, including direct deposit via ACH, social security and government benefits, electronic bill payments such as utility and mortgage payments. Thus in this article, first of all, I considered features of payment system and the types of payment items between ACSS and FedAch. Second, I analyzed the status of central bank and legal background. Third, I focused on the operational policy and risk aversion policy. Lastly, I suggested that their payment and banking system have to assume, with good reason, more efficiently accurately and securely operation to protect their customer from credit risk and financial fraud.

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How to improve carrier (telecommunications) billing services to prevent damage (통신과금서비스의 피해예방을 위한 개선방안)

  • Yoo, Soonduck;Kim, Jungil
    • Journal of Digital Convergence
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    • v.11 no.10
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    • pp.217-224
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    • 2013
  • Due to the development of mobile technologies, the carrier (telecommunications) billing service market is rapidly growing. carrier (telecommunications) billing service allows users to make on-line purchases through mobile-billing. Users find this particularly convenient because the payment acts as a credit transaction. Furthermore, the system is commonly believed to be secure through its use of SMS (Short Message Service) authentication and a real-time transaction history to confirm the transaction. Unfortunately, there is a growing number of fraudulent transactions threaten the future of this system. The more well documented types of security breaches involves hackers intercepting the authentication process. By contaminating the device with security breaching applications, hackers can secretly make transactions without notifying users until the end of month phone bill. This study sheds light on the importance of this societal threat and suggests solutions. In particular, "secure" systems need to be more proactive in addressing the methods hackers use to make fraudulent transactions. Our research partially covers specific methods to prevent fraudulent transactions on carrier billing service providers' systems. We discuss about the proposed improvements such as complement of electronic payment systems, active promotion for fraudulent transactions enhanced monitoring, fraud detection and introduce a new authentication service. This research supports a future of secure communications billing services, which is essential to expanding new markets.

Renewable Electricity Promotion Policy in Korea - Feature and Challenges through the Comparative Analysis of EU and Japanese Policy - (한국의 신재생에너지전력 지원정책 - EU와 일본의 제도 비교분석을 통한 지원정책의 현상과 과제 -)

  • Lee, Soo-Cheol;Park, Seung-Joon
    • Journal of Environmental Policy
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    • v.7 no.4
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    • pp.1-34
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    • 2008
  • It is recognized that RPS(Renewable Portfolio Standard) and FIT(Feed-in Tariff) are two main policy instruments to promote Renewable Electricity(RE). The Korean Government announced in 2008 that RE promotion scheme will be changed to RPS from current FIT system in 2012. But we believe RPS is inferior to FIT for promoting less developed technologies such as photovoltaics or wind power. This is because the achievement of RE promotion in countries adopting RPS is markedly worse than that in European counties or Janpan adopting FIT. If the policy change is inevitable, when considering the lessons from Japan's failure as well as supporting the less developed technologies, it is recommended that either the market should be divided into several technology and scale categories, or more RPS-Credit per kWh should be assigned to the photovoltaic and wind power than instead of letting the all technologies compete in the "open category". It is also recommended that (1) Renewable Energy Promotion Fund(tentative name) based on a part of current energy related tax revenue should be introduced, or (2) cost of supporting the Renewable Electricity should automatically be transferred into the electricity bill of electricity consumers following the German System.

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A Study on the Application of Domestic ferry to a Battery Propulsion Ship connected with Photovoltaic System (태양광 발전시스템이 연계된 배터리 전기추진선박의 국내 유람선 적용에 관한 연구)

  • Hwang, Jun-Young;Jeon, Cheol-Hwan;Jeon, Hyeon-Min;Kim, Jong-Su
    • Journal of the Korean Society of Marine Environment & Safety
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    • v.25 no.7
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    • pp.945-952
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    • 2019
  • The International Maritime Organization (IMO) adopted the International Convention on the Control of Ships' Air Pollutants and Discharge as it became interested in environmental issues such as global warming and air pollution. In addition, a special bill on the improvement of air quality, including in port areas, has recently been enacted in Korea to reduce the amount of fine dust generated. As part of such fine dust reduction measures, feasibility studies have been underway on converting diesel engines into battery electric propulsion systems that do not cause fine dust and emissions. Since the battery electric propulsion system can easily utilize renewable energy sources, and does not generate exhaust gas due to combustion of fuel, small coastal ferries with battery electric propulsion systems that use renewable energy have been operating in Europe and the U.S. for several years. However, they have not been introduced in Korea. Therefore, in this study, we selected small coastal ferries in Korea as target ferries, and performed simulations to study the applicability of electric propulsion with batteries linked to solar power systems. Based on the results, we want to confirm the applicability of battery electric propulsion.

A Study of Hands-Free Car Kit Design Development according to the Consumer′s Purchasing Need (소비자 구매요구에 따른 차량용 핸즈프리 디자인 개발에 관한 연구)

  • 한일우
    • Archives of design research
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    • v.17 no.3
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    • pp.313-322
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    • 2004
  • Product design has direct effects on sales, exciting consumer's interest in purchasing. With the draft bill of Road Traffic Law passing the National Assembly, drivers have been entirely prohibited by the law from using a cell phone while driving since June 30, 2001, As a result, the demand for and the sales of hands-free Kit products for vehicles have been skyrocketing, and more and more of them have been introduced in the market and competing each other in sales. In these situations, the study attempted to present a case study showing the whole process of product design by a small company, which intended to gain an advantage over the competitors in the sector of hands-free products for vehicles with differentiated design. The product whose design development process was presented in the study has many characteristics. Among them it is the most remarkable in removing the connection between the cell phone terminal and the stationary hands-free product. The study was aimed to increase the investment value of design by helping understand that the ultimate goal of technology is commercialization and that how great the role of design is from the beginning to the final stage of product development. It also emphasized the point that one of the goals of design development should lie in providing a more accurate perception of the importance of design to the industry, by establishing a design process throughout the whole stages of product development including initiation, designing and commercialization.

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A Study on Participants in Policy Agenda Setting - Focusing on the Multi-cultural Families Support Act - (정책의제형성에 있어서 참여자에 관한 연구 - 다문화가족지원법 중심으로 -)

  • Bae, Seon-Sik;Kim, Seung-Il
    • The Journal of Korea Institute of Information, Electronics, and Communication Technology
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    • v.8 no.2
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    • pp.116-127
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    • 2015
  • The phenomenon of international migration since the 1980s comes to be born 'multi-cultural families support law' due to the foreign workers' inflow into labor market and to a rise in married female immigrants caused by globalization and diversification. Accordingly, the purpose of this study is to examine who are participants? given being led to the enactment of 'multi-cultural families support law' by which the social issue called multi-cultural family is highlighted as the public agenda. Also, the mobilization will be selected and explained among three types in mobilization model, outside initiative model, and inside access model in the process of driving by confirming it as the government's formal agenda out of social issues. With having the case characteristics in mind, the aim is to research by choosing a case analysis method that uses research theses & books, newspaper, daily newspaper, election pledges, civic group, internet, and seminar data based on the existing theory and model. The temporal scope is limited to the one from the time as saying "revise the Overseas Korean Act of opposing the banishment of migrant workers" in November 2003 to February 2008 when 'multi-cultural families support bill(alternative plan)' is legislated with agreement by the 7th plenary session for the 271th provisional session of the National Assembly.

On Promoting the Coastal Transport of Container (컨테이너 연안해송 활성화에 관한 연구 -부산항을 중심으로-)

  • Roh H.S.;Lee C.Y.
    • Journal of Korean Port Research
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    • v.7 no.1
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    • pp.43-58
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    • 1993
  • There has been fast progress in economy in Korea derived by a consecutive five-year plan program for economic development started in the early 1960's. In the field of transportation, rapid changes in the technological environment of transportation and communication have brought a revolution of the transport system, of which inter-modal transportation through containerisation is typical. Because of the rapidly growing traffic volumes of cargo, especially container traffic, and lack of investment into transport infrastructure in the past, both road and railway are beyond their capacity. As a result, the public-road network has suffered a serious congestion problem. For instance, in relation to the corridor between Seoul and Pusan, today, it takes about 14 hours for the journey of container trailer through Kyongbu Expressway, for which it used to take only 7 hours in 1986. For the railway, though the congestion problem is not very serious compared with the road sector, a shortage of capacity on certain main lines has emerged as a problem as railway traffic has increased. Furthermore, the further expansion of the system in near future is difficult due to burden of higher construction the cost. Unlike these two modes, coastal shipping, which has been paid relatively less attention for commodity transport in Korea, shows no constraint in this respect. In addition, it is the most cost efficient mode of transport. This work therefore aims to make a proposal for the alternative inland transportation mode, which is to promote the coastal transport of container. Three obstructing factors for the promotion of the coastal transport are investigated and some solutions for those are suggested as follows : First, it appears to be essential to provide exclusive ports for the coastal shipping, that comply with simplification, specialization and rationalization. The optimum size of berths on the exclusive ports in Pusan port is estimated as 16-20. We found that it needs periodical study and publicity on the advantages from the adoption of the coastal mode. Inducing competition in the coastal shipping market is also necessary. For the supply of the fleet in the coastal shipping, chartering of the surplus ships in the oversea shipping is found to be more desirable than new shipbuilding. Second, to solve the fragmentation of the companies which wish to participate in the coastal transport, government has to implement the subsidy policy. The encouragement of participation of the shipping lines engaging in Korea-Japan run and Korea-East South Asia run, into coastal shipping also needs to be considered cautiously. Third, simplification of the document for entry in ports is needed for rational coastal shipping management. We can use B/L (Bill of Lading) for coastal shipping as a prerequisite to get the indemnity by P & I Club. The reduction of the government controls on entering and leaving the ports also needs.

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Study on the Application of 3D-based BIM for School Facilities to Increase Cost Management Efficiency (교육시설물 공사비 관리 효율화를 위한 BIM 적용방안에 관한 연구)

  • Kwon, O-Bin;Son, Jae-Ho;Lee, Seung-Hyun
    • Journal of the Korea Institute of Building Construction
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    • v.10 no.6
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    • pp.49-60
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    • 2010
  • Cost Estimating allows each entity in a construction project to plan, distribute, and control its required construction cost for the project. However, existing 2D design based estimating has problems, such as inaccuracy and inefficiency caused by missing, duplicated, or erroneous calculations. In this situation, current estimations for school facilities have more difficulties in forecasting construction costs due to an inadequate work breakdown structure for BOQ (Bill of Quantity) and insufficient guidelines for Basis of Estimate. In this study, therefore, an effort was made to increase the efficiency of estimating for school facilities by applying a 3D modeling based BIM tool to quantity and cost estimates. In addition, this study suggested a reasonable work breakdown structure for BOQ that was appropriate when 3D modeling was applied, and verified it through a case study. The authors tried to provide a BIM-based estimating method for school facilities to obtain greater accuracy and efficiency by having more information in an earlier stage.

The Legal Issues of Private Investigation Service in WTO/FTA System : Study of South Korea (WTO/ FTA 체제에서 민간조사업의 법적문제)

  • Ko, Ji-Hoon;Park, Hyeon-Ho
    • Korean Security Journal
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    • no.27
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    • pp.161-195
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    • 2011
  • As crimes have increased to an extent that the police cannot cope with, there have been continuous discussions for the introduction of Private Investigation (hereafter PI) in Korea. However, attempts to legislate for the introduction of PI have failed every time PI bills for the introduction of PI were proposed. This was fundamentally because arguments both for and against the introduction of PI were sharply divided depending on the priorities. However, regardless of those clash of views, an apparent need for the legislation of PI service has arisen. As Korea opens its service market to other countries through GATS and FTAs, currently existing domestic PI law has been found to be inconsistent with international agreements such as GATS and KOREA-US(KORUS) FTA. This paper found that the Act on Usage and Protection of Credit Information which regulates PI service is inconsistent with the Article 12.4(a)(i) and (iii) of KORUS FTA and the Article 7.11 and the Article 7.13 of KOREA-EU FTA. If Korea does not modify the existing laws and establish new laws in relation to PI, such inconsistencies could lead to international trade disputes which could amount to billions of dollars. In this regard, the passage of the PI bill is necessary.

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Rancidity Development of Sesame Oil Irradiated with Direct Sunlight (참깨기름의 일사광선(日射光線)에 의(依)한 산패(酸敗))

  • Yoon, Hyung Sik;Choi, In Wook
    • Current Research on Agriculture and Life Sciences
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    • v.5
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    • pp.100-105
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    • 1987
  • To study the relative effectiveness of the antioxidants (BHA, BHT) and the transparent cellophane films (colorless, blue and red) on rancidity development of the sesame oils treated with sunlight - irradiation condition, this experiment was carried out. The results obtained as follows ; 1. The retarding effect of the antioxidants on POV, COV and TBA development was more effective than control, and Bill was more effective than BHA. 2. The transparent cellophane films were more effective than antioxidants, and red was more effective than blue transparent cellophane film. 3. During the storage of the sesame oils which were covered with colorless, blue and red thansparent cellophane film respectively, the contents of linoleic acid in sesame oil were decreased, while oleic acid were increased.

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