• The Korean Journal of Financial Management
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• v.22 no.2
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• pp.213-226
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• 2005

Adverse selection is a heavily scrutinized subject within the financial intermediary industry. Consensus is reached regarding its effect on the loan interest rate. Despite the similar features of financial service offered by the credit card, we still have controversy regarding credit card interest rate on how is adverse selection incurred with the change of interest rate. Thus, this paper explores how does the adverse selection, if ever, take place and affect the credit card interest rate. Information asymmetry regarding the credit card users' type represented by the default probability is assumed. The users are assumed to be rational in that they want to minimize the per unit dollar expense associated with the commercial transaction and financing between the two typical payment methods, cash and credit card. Suppliers, i.e. credit card companies, would like to maximize their profit and would be better off with more pervasive use of credit cards over the cash. Then we could show that the increasing credit card interest rate is subject to the adverse selection, sharing the same tenet with that of the bank loan interest rate proposed by Stiglitz and Weiss. Hence the current theory predicts that credit card market also suffers from adverse selection with increasing interest rate.

• Journal of Digital Convergence
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• v.12 no.11
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• pp.557-564
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• 2014

In general, board games are just want to buy a pair of board games to play, but in recent years, a new type of the game - Trading card game (TCG) by the vast number of players, Trading card game with its own custom personal hand gameplay and diversified combination tactics when the game is won a high popularity. And there are a few long Trading card game popularity will continue on to now, the growing popularity of such as the board game market needs will continue to continue.

• Journal of Korea Multimedia Society
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• v.10 no.5
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• pp.604-611
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• 2007

Java Card has gained genera1 acceptance with standard for smart card and (U)SIM technology, and it is in distinction from native card by its post-issuance of an application and independence from hardware platforms. However, a main weak point of Java Card is its low execution speed caused by the hardware limitation and Java programming language itself. In this paper, we propose a new Java Card Installer to improve the download speed during the post-issuance of an application by resolving symbolic references to physical references in HAM. Our Resolution_In_RAM is based on the improved new RAM writing is 100,000 times faster than EEPROM writing and PageBuffer that is operated as block mode, rather than cell mode is used to write to EEPROM. Consequently, the total number of EEPROM writing are reduced 37%, and the times of downloading are reduced over 30% by using the Resolution_In_RAM-based Java Card Installer.

• Restorative Dentistry and Endodontics
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• v.23 no.1
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• pp.110-140
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• 1998

One of the problems facing in all modern dental hospitals is the much efforts, manpower and space are needed to effectively sort and stack patients' charts of the various dental departments. In addition, the storage and prompt arrangement of x-ray films is also a problem. Therefore, if dental charts as well as films could be computerized, it would be easier to store and keep them; by data basing, many space, manpower and cost would be saved: data could also be effectively managed for the purpose of academic researches. This would be an epoch -making event in the development of dental hospital management. The purpose of this study is to develop a dental information processing program, that will be used to store dental treatment records and digital image data using a new record media, the optical card. The patients' charts from the dental hospital were selected. The treatment records of the chart were put into the treatment data -recording area of the program, and the digital images of various dental x-ray films were made with a scanner. These data were stored in the optical card and analyzed to get the following results: 1. In this program it is possible to put treatment records and image data into and out from the optical card, and it is impossible to correct and delete all data recorded on the optical card. 2. All data in the optical card system can be searched and analyzed on database. 3. The resolution of image data stored in optical card is above 5.9 lp/mm. 4, All data of dental charts used as samples, stored to optical cards, occupies average 14%, In conclusion, with the development of the storage system using the optical card, a dental patient's life-time treatment record can be stored in one optical card and used as a substitute for the dental chart.

• The Journal of The Korea Institute of Intelligent Transport Systems
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• v.9 no.4
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• pp.90-101
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• 2010

The existing HiPassPlusCard system is composed of the HiPassPlusCard, a Purchase SAM, a Purchase terminal, a settlement system and OBU. However, this system is confronted by the problem with its incompatibility. This problem occurred because the technology companies made cards in their own ways in respect of the parts which were not yet set by KS standard. Thus if existing HiPassPlusCard user wants to use any other public transportations, user would have to buy other cards and have to bring all them. Also if the HiPlusCard wants to extend their business to apply its technology into infrastructure of the other companies, the HiPlusCard has to construct infra independently so that it causes the such problems of duplicated investment. To solve these problems, we have analyzed and upgraded the existing HiPassPlusCard system, and we designed and developed the Nation-wide Interoperable HiPassPlusCard system. Then the conformity test demonstrated that it is efficiency-oriented and technically performs well. Also we, the HiPlusCard, the Korea Financial Telecommunications & Clearings and the KORAIL NETWORKS, run the Test-bed in Gwangju for 6 months. The test-bed indicated that Nation-wide Interoperable HiPassCard system practically works well.

• Journal of the Korea Convergence Society
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• v.8 no.11
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• pp.263-269
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• 2017

Credit card holders are showing a higher level of psychology to show their identity beyond the means of payment. The purpose of this study is to investigate which design factors affect the 30th and 40th generation housewives when issuing credit cards. A total of 200 people in the 30s and 40s housewives who live in Seoul and the metropolitan area were selected from among the customers who use the credit card, and the effect of the design factors of the domestic credit card on the selection of the credit card, Based on previous studies, questionnaires were prepared and surveyed. As a result of the survey, it was found that the color design of the credit card design element was the achromatic system and the main image was the simple design which only used the color without emphasizing the image or the logo, and then the character type was preferred. I prefer not to have a card decoration, and I have found that a metal-like card material is the most preferred. Through this, I would like to suggest directions for the design development for 30 and 40 housewives in credit card companies.

• The KIPS Transactions:PartC
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• v.10C no.6
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• pp.747-754
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• 2003

Thia paper suggests a milti user-authentication system comprises that DNA biometric informatiom, owner's RFID(Radio Frequency Identification) smartcard of hardware token, and PKI digital signqture of software. This system improved items proposed in [1] as follows : this mechanism provides one RFID smartcard instead of two user-authentication smartcard(the biometric registered seal card and the DNA personal ID card), and solbers user information exposure as RFID of low proce when the card is lost. In addition, this can be perfect multi user-autentication system to enable identification even in cases such as identical twins, the DNA collected from the blood of patient who has undergone a medical procedure involving blood replacement and the DNA of the blood donor, mutation in the DNA base of cancer cells and other cells. Therefore, the proposed system is applied to terminal log-on with RFID smart card that stores accurate digital DNA biometric information instead of present biometric user-authentication system with the card is lost, which doesn't expose any personal DNA information. The security of PKI digital signature private key can be improved because secure pseudo random number generator can generate infinite one-time pseudo randon number corresponding to a user ID to keep private key of PKI digital signature securely whenever authenticated users access a system. Un addition, this user-authentication system can be used in credit card, resident card, passport, etc. acceletating the use of biometric RFID smart' card. The security of proposed system is shown by statistical anaysis.

• Journal of Korea Multimedia Society
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• v.6 no.7
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• pp.1200-1208
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• 2003

Java Card technology allows us to run Java applications on smart cards and other memory-constrained devices. Java Card technology supports high security, portability and ability of storing and managing multiple applications. However, constrained memory resources of the Java Card Platform hinder wide deployment of the Java Card applications. Therefore, in this paper we propose a bytecode optimization algorithm to use the memory of a Java Card efficiently. Our algorithm can reduce the size of the bytecode by sharing the memory of the parameters of the catch clause in the try-catch-finally sentence.

• Proceedings of the Korea Multimedia Society Conference
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• 2012.05a
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• pp.459-461
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• 2012

본 논문에서는 기존 카드 관리 시스템으로 개방형 카드 플랫폼의 전통적인 카드 플랫폼 모델의 문제점을 해결할 수 있었으나 개방형 카드 플랫폼을 관리할 수 없었고, 그 대안 시스템으로 Smart Card Management System이 개발되었다. Smart Card Management System이 개방형 카드 플랫폼에 있어 통합 관리를 수행하지만 주요 기능인 카드 후발급에 대한 효과적인 인터페이스를 가지고 있지 못하는 실정이다. 본 논문에서는 Smart Card Management System을 이용하여 효과적인 카드 후발급을 위한 Smart Card Management System의 모델을 제시하고자 한다.

• Journal of Korean Elementary Science Education
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• v.17 no.1
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• pp.47-60
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• 1998

The purpose of this study was to analyze the problem solving strategies of elementary school students and to find out correlations between the functional mental capacity, the perseveration error and the Creature Card Task solving ability. To study this purpose, four categories were selected through pilot test. The sample consisted of 231, the 4th grade students and the 5th grade students in Inchon, Korea and selected 32 students among them. Three instruments were used in this study, Creature Card Task, FIT(Figural Intersection Test) and WCST(Wisconsin Card Sorting Test). Researcher interviewed 32 students about Creature Card Task solving strategies and tests with FIT, WCST. Major findings of the study are as follows: 1. Creature Card Task solving strategies of the selected 4th & 5th grade students were different. Some students solved problems during individual interviews. 2. Creature Card Task solving abilities were significantly correlated with the functional mental capacity and the perseveration error.