• 디지털산업정보학회논문지
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• 제8권3호
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• pp.65-74
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• 2012

A barcode is a representative means of cognition. It is either printed on the package of a product or attached to it as a sticker. It is used for the fast cognition of a product at a store. It is considerably cheap to make a barcode. Also, it is possible to read it fast by using a barcode reader. Because of such convenience provided by the barcode, a new system using the barcode as a means of settling payments like a currency or a credit card has been developed. However, due to its characteristics, it is easy to reduplicate, forge or falsify a barcode easily. Therefore, this study focuses on the case of applying the system using barcodes as a means of settling payments without providing solutions for the potential weaknesses. Also, this study suggests various points to consider regarding the creation of safe barcodes as one of the related measures, while providing various methods using additional means of certification other than the one of using barcodes in addition to the way of applying complexity with barcode numbers. Throughout this study, it will be possible to safely establish and operate the payment-settlement system using barcodes.

• 한국콘텐츠학회논문지
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• 제22권7호
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• pp.63-72
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• 2022

2009년 비트코인과 같은 암호화폐의 등장으로 지급수단인 화폐의 패러다임이 크게 변화하고 있으며, 우리의 일상생활에도 큰 영향을 미치고 있다. 이에 따라 통화정책 등의 업무를 담당하고 있는 각국의 중앙은행들은 전자지급수단을 포괄하여 디지털로 유통되는 통화와 디지털화폐의 발행 및 영향에 대해 다양한 분석을 시도해 왔으나, 어떤 발행방식이 적합한지에 대한 연구는 충분하지 않은 상황이다. 본 연구에서는 현재 이용되고 있는 전자지급수단과 비교하여 국내에 적용가능한 디지털화폐의 발행방식에 대해 분석하였다. 분석결과 계좌기반 발행방식은 현재 계좌시스템과 별다른 차이점을 보이지 않았으나, 토큰기반 발행방식은 금융의 효율성 제고 및 금융분야 기술혁신을 유도할 수 있는 것으로 예상되었다. 다만, 토큰기반 발행방식은 전자서명기술의 특성으로 인해 대출 등 금융기관의 중개 기능을 약화할 것으로 분석되었다. 또한, CBDC의 해킹, 피싱 등 보안공격에 대한 소비자 보호를 위해 현재의 전자지급수단과 유사한 법·제도적 지원이 필요하며 현금과 동등한 편의성, 익명성 등을 유지하기 위해 CBDC 발행 방식에 대한 지속적인 기술개발 노력이 필요하다.

• 디지털융복합연구
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• 제15권4호
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• pp.387-393
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• 2017

본 연구는 국내 핀테크 서비스 중 간편결제 서비스의 선발주자인 카카오페이와 후발주자인 네이버페이를 중심으로 사용자 경험에 따른 서비스를 비교 분석하여 국내 간편결제 서비스의 발전을 모색하고자 하였다. 1차로는 문헌 연구를 통해 핀테크의 이론적 배경과 특징을 파악하고, 2차로 스티븐 앤더슨(Stephen Anderson)의 Creating Pleasurable interfaces Model 6가지를 재구성하여 설문 조사를 진행하였다. 그 결과, 카카오페이의 경우 가맹점의 부족으로 인한 범용성의 한계와 결제 취소, 오류 등으로 인한 신뢰성의 부족함이 나타났다. 네이버페이 또한 프로그램 결제 오류 등으로 인한 신뢰성 하락에 대한 개선 노력이 필요하였다. 본 연구를 바탕으로 국내 핀테크 시장의 사용자 경험 개선 방안을 위한 참고자료로 활용되어 국내 핀테크 산업의 활성화에 도움이 되길 바란다.

• 기술혁신학회지
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• 제1권1호
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• pp.96-105
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• 1998

Electronic cash affects central bank in many areas, in particular regarding the issuance of money, supervision of cashless payments, supervision of the banking system and monetary policy. The effects of electronic cash on central bank policies, the security and integrity of the payment system, and naturally also on single sector such as company engaged in the transport of money and valuables, depend mainly on the extent to which the new payment methods can replace cash. The possible development of electronic cash merits special attention from central banks for at least three reasons. First, central banks are concerned that the introduction of the new payment instrument should have no adverse effect on public confidence in the payment system and payment media. Second, although the substitution of electronic cash for other forms of money should not theoretically hamper central bank's ability to control the money supply, it might, however, have practial implications, at least in the long run, which need to be carefully examined. Third, because electronic cash may be used for payments of very small value, they have the potential, more than any other cashless instrument, to take over the role of notes and coins in the economy and, therefore, have implications for central bank's activities and revenues.

• 디지털융복합연구
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• 제20권5호
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• pp.99-105
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• 2022

중국에서는 위챗페이, 알리페이 등 제3자 결제가 활발해지면서 은행의 전통적인 비지니스가 큰 충격을 받고 있다. 은행은 가맹점에 QR코드 결제를 권장할 수 있고 확대할 수 있다. 따라서 은행의 QR코드 업무를 분석하고 연구하는 것은 의미가 있다. 본 연구는 결제 사이클과 FTP(Funds Transfer Pricing)를 조합한 통합결제 QR코드의 제로 수수료율의 실행이 중국 상업은행에 미치는 영향을 분석하는 것을 목적으로 한다. 본 연구는 수작업으로 수집한 중국 상업은행의 고객 데이터를 기초로, 재무 지표 산출 방법을 활용하여 사례 분석을 진행하였다. 연구결과, 상업은행은 통합결제 QR코드 제로 수수료율 정책의 도입은 이점이 단점보다 더 큰 것으로 나타나 해당 정책을 지속적으로 시행할 필요가 있다는 것이 밝혀졌다. 본 연구는 상업은행의 마케팅 의사결정에 중요한 역할을 하는 오프라인 결제 시장을 빠르게 점유할 수 있는 방법에 대해 실현 가능한 제안을 제공하였다.

• 디지털융복합연구
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• 제2권1호
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• pp.145-160
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• 2004

P Leasing Company was a steady growing company with positive net income in most years since 1985 when it was established. However, it suddenly experienced a minus net income of 6.8 billion won in 1996. The reason of its deficit was known to be the financial distress of its two major leasing contracts. The total amount of two contracts was 58 billion won witch is about 8% of total amount of its leasing contracts. In this paper, we analyse how the disability of lease payments from the two leasing contracts influence P Leasing Company's financial stability, growth opportunity, and profitability. In addition, by performing ROI analyse, we point out the financial reasons of P Leasing Company's deficit in 1996. We hope our case analysis to help students understand the cash flow of leasing companies. The P Leasing Company case also illustrates the fact that bad leasing contracts would seriously affect the profitability of leasing companies as bad loans would seriously do the profitability of commercial banks.

• 정보보호학회논문지
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• 제11권3호
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• pp.33-44
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• 2001

전자상거래는 실생활의 물질적인 상거래에 비해 많은 장점을 가지고 있지만, 인터넷이라는 가상공간을 통해 상거래가 이루어지므로 상호간의 신용문제, 지불 방법 등 개선되어야 할 부분이 많이 있다 이를 위한 초기의 전자화폐는 사용자의 개인정보에 대한 유출을 막기 위해 은닉전자서명을 이용하여 설계되었으며, 사용자의 완전한 익명성이 보장되었다. 본 논문에서는 계산적으로 효율성이 매우 좋은 Feige-Fiat-Shamir 은닉전자서명을 제안하였고, 제안한 Feige-Fiat Shamir 은닉전자서명을 이용하여, 전자화폐가 불법적으로 사용될 경우 전자화폐를 추적할 수 있는 추적 가능한 전자화 폐 시스템을 설계하였다.

• 유통과학연구
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• 제22권5호
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• pp.39-57
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• 2024

Purpose: Various policies continue to be strengthened to develop Micro, Small and Medium Enterprises (MSMEs), which have a strategic role in the economy through the pillars of corporatization, capacity and financing to support strong and inclusive economic growth. Efforts to transform MSMEs marketing strategies are undertaken through eco-friendly digitalization to increase resilience and more productive and innovative capacity. Research design, data and methodology: This research is an exploratory qualitative approach taken to investigate the transformation of eco-friendly marketing strategies for MSMEs to increase competitiveness at the global level. The samples obtained were 425 MSMEs assisted by the DKI Jakarta, Bali, Java, Borneo, and Sumatera. The data collection technique used non-probability sampling (snowball sampling). Data is analyzed through collection, reduction, analysis, validity testing, presentation and conclusion. Results: This research shows the transformation of eco-friendly digital-based MSME marketing strategies occurred through four stages, namely production and institutional activities, expanding market share, digitalization and financing, and export market access. Conclusions: Eco-friendly digital transformation allows MSMEs competencies to be refined to improve business processes and business competitiveness at the international level. The contribution of this marketing strategy transformation is expanding MSMEs access to financial institutions (fintech), marketplaces, and QRIS (QR Code Indonesian Standard) digital payments.

• International Journal of Computer Science & Network Security
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• 제21권1호
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• pp.77-83
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• 2021

The dependency on technology has increased with the increase in population. Technology plays a crucial role in facilitating, organizing and securing people's life nowadays. The Internet has penetrated every face of present-day lifestyles. Yet another ubiquitous use of digital technology today is evident in transferring money and speeding cross border payments that are done through digital transactions. This paper investigates transferring money and data through banks and companies by using the Blockchain concept through decentralized distributed system. The present research also peruses several contexts in which this technology has already been implemented successfully and demonstrates the advantages of replacing the paper money with digital money. Using cryptocurrency will facilitate people's life by reducing time, securing the process of money transfer, and increasing data integrity. The primary benefit of this content analysis is that it addresses an innovative subject, in a new light and using timely recent research references drawn from 2018-2020. Thus, our study is a contemporary and conclusive source for all present and future endeavours being undertaken in the domain of using blockchain for e-transactions.

• International Journal of Computer Science & Network Security
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• 제23권8호
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• pp.137-145
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• 2023

E-Commerce is a buzzword well known for electronic commerce activities including but not limited to the online shopping, digital payment transactions, and B2B online trading. In today's digital age, e-commerce has been playing a very important and vital role in areas such as retail shopping, sales automation, supply chain management, marketing and advertisement, and payment services. With a huge amount of data been collected from various e-commerce services available, there are multiple opportunities to use that data to analyze graphs and trends. Strategize profitable activities, and forecast future trade. This paper explains a contemporary approach for collecting key data metrics and implementing cost-effective automation that will support in improving conversion rates and sales performance of the e-commerce websites resulting in increased profitability.