• 통상정보연구
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• 제9권1호
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• pp.149-168
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• 2007

e-Trade Payment system has been transformed by quickly and effectively. The e-trade Payment system such as TradeCard System, Bolero Surf, Identrus Eleanor and e-Escrow and e-letter of Credit issued by SWIFT System enable partly sellers, buyers and service providers. This paper studies for SWIFT, Surf, TradeCard, Eleanor, e-Escrow as international trade payment, As reason following : The First, Bolero is a neutral secure platform enabling paperless trading between exporter, importer, and their logistics service and bank partners, insurance company. The Second, TradeCard is to manage procurement-to-payment worldwide, that is exporter, importer and connected partners, paperless platform. The Third, Identrus is the global leader in trusted identity solutions, recognized by global financial institutions, commercial organizations and bank partners around the world. The Forth, Escrow payment have effect to L/C issue and enter into electronic contracts in internet bank. Trader practice use Escrow Bank as the same bank that rules to Issuing Bank and Advising Bank and payment, acceptance. This paper of these electronic payment have studies new international trade payment to approach such as eUCP rules and TradeCard System, Surf of bolero, eleanor of Identrus, SWIFT.

• 산업경영시스템학회지
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• 제33권4호
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• pp.130-137
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• 2010

This paper analyzes the main factors affecting user selection of a small-sum electronic payment system using survey data of 396 users. Several findings emerge. First, users consider three pillars and eight factors in adopting a new system : system features(stability, security, and flexibility), transaction cost(payment commission and settlement period), and financial capability of provider(stability of financial structure, risk management capability, and funding capability). Second, the stability of the financial structure of the system provider is the most important factor to user acceptance of a new e-payment system. Users tend to consider uncertainty risk more seriously than transaction cost. This reflects the reality that electronic payment system service industry has not fully fledged yet. Third, some moderating effects exist according to payment methods and business usages. As for payment methods, speedy settlement cycle for wired/wireless phone payment, system stability for credit card and account transfer payment, and security for advance payment means are crucial factors. As for business usages, the stability of financial structure for online game content, system stability for music and video content, proxy payment commission for e-learning content, flexibility of the payment system for digital adult content, and security for public services are decisive ones.

• 한국전자거래학회지
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• 제4권2호
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• pp.81-94
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• 1999

This paper shows the architecture of IPS(Intermarket Payment System), an implementation of the electronic payment function for internet-shopping merchant system. Because the original purpose of commerce transaction is the exchange of money for goods or services, it is very important to prepare an exchangeable economic value or method. The electronic payment system is the hardware or software or both to process an electronic payment transaction. It has two type, the broker type and the electronic value type. The broker type means an intermediator between real bank network and internet commerce transaction. The electronic value type means a substitute for money in the real world. This paper shows the architecture and the function to implement the broker type electronic payment system. The system has two parts. One is the mediator part to support multiple payment systems and to offer common access methods for merchant system database. The other is the executor part to implement the payment protocol and to process payment transaction.

• 한국산업정보학회:학술대회논문집
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• 한국산업정보학회 2002년도 춘계학술대회 논문집
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• pp.433-445
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• 2002

본 연구는 전자정부의 실현을 위한 전자세정분야 가운데 정부와 고객(G2C)간의 비즈니스 유형으로 지방세의 전자납부제에 대한 현황을 고찰하고 이에 대한 활성화 방안을 제시하였다. 본 연구의 조사는 우리나라 232개 시군구의 지방자치단체의 담당자를 대상으로 면접조사와 더 불어 C군의 전자납부제 이용자를 대상으로 설문에 의한 전수조사를 실시하였다. 본 연구의 결과, 지방세 전자납부제는 전국적으로 196개의 시군이 도입운영 하고 있으나 지역별로 많은 차이를 보이고 있다. 또한, 전자납부제 운영 시스템에 있어서도 다양한 방식으로 운영되고 있으며, 이용연령층은 30대가 대부분을 차지하고 있었다. 요약컨대, 납세자의 연령층, 지역간의 이질성 시스템과 같은 인프라등에서 정보격 차가 매우 심각한 것으로 나타났다. 그러나 이용자들이 지방세 전자납부제에 대하여 긍정적으로 평가하고 있어서 앞으로 이 제도가 새로운 납부제도로 정착될 것으로 기대된다. 지방세 전자납부제의 활성화 방안으로 전자납부제 이용자에 대한 인센티브 부여, 전자납부방식에 의한 시용카드납부제 실시, 지방세 전자납부제 운영 시스템의 개선, 그리고 납세자 지식 정보화 교육의 강화등을 들 수 있다. 앞으로 전자정부실현을 위한 일환으로 추진하고 있는 지방세 전자납부제에 관한 좀 더 체계적이고 과학적인 접근을 통해 이 분야에 대한 심도있는 연구가 기대된다.

• The Journal of Asian Finance, Economics and Business
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• 제7권12호
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• pp.385-388
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• 2020

At present, the payment system in Thailand changes from a paper-based system to a cashless payment system. A coin has its two sides, so the cashless payment has its advantages and disadvantages. This article describes the general advantages and disadvantages of a cashless society in Thailand in the COVID-19 situation. The cashless payment in Thailand consists of credit cards, automated teller machines, direct debit, mobile/Internet banking, e-Wallet, PromptPay, and QR code. The cashless payment is able to assist the government for tax collection accuracy and facilitates users to make financial transactions more transparent and efficient. In addition, the cashless system provides benefits to businesses in which they are able to increase sales and expand business by providing convenient, safe and faster services to customers in making payment for goods/services. It assists businesses to save time and cost of cash management and reduce the paperwork. The cashless payment made the life of students, housewives, and elderly people very easy to carry out financial transactions and there is no need to meet the financial institution staff. This payment system needs advanced technology system skills, a smartphone, and a technology facility. Finally, the cashless payment can reduce the spreading of COVID-19.

• 보건행정학회지
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• 제33권4호
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• pp.379-388
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• 2023

This study aims to propose the implementation of innovative payment models in Korea in order to promote the financial sustainability of the national health insurance system by reviewing the current status of the payment system in Korea and examining other countries' experiences with various innovative payment models. Korea primarily uses a fee-for-service payment system and additionally uses various payment systems such as case payment, per diem, and pay-for-performance. However, each payment system has its limitations. Many OECD (Organization for Economic Cooperation and Development) countries have pointed out the limitations of existing payment systems and have been attempting various innovative payment models (e.g., add-on payment, bundled payment, and population-based payment). Therefore, it is essential for Korea to consider innovative payment models, such as a mixed payment model that takes into account the strengths and weaknesses of each payment system, and to design and pilot these models. This process requires stakeholders to work together to build a social consensus on the implementation of innovative payment systems and to refine legal and systematic aspects, develop an integrated health information system, and establish dedicated organizations and committees. These efforts towards innovative payment models will contribute to developing a sustainable health insurance system that ensures the public's health and well-being in Korea.

• 정보학연구
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• 제6권1호
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• pp.85-105
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• 2003

전자무역은 현재 일부 무역거래단계에서 한정적으로 사용되고 있는 실정이며 모든 무역거래단계로 확대시키기 위하여 업계 및 각국의 정부당국, 그리고 국제기구의 노력들이 부단히 행해지고 있다. 전통적 무역거래를 전자무역으로 대체하는데 있어서 가장 큰 어려움은 국제대금결제시스템을 전자화하는 것이라고 할 수 있으며, 이러한 문제점의 해결은 궁극적으로 전자무역거래의 완성이라고 해도 과언이 아닐 정도로 전자무역의 구현에 있어서 시급하고도 중요한 핵심과제가 되고 있다.

• 한국전자거래학회지
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• 제7권1호
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• pp.35-50
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• 2002

Recently, payment method is one of the most hot issues for transaction of contents in mobile and internet markets. Many kinds of mobile contents services are rapidly growing with the combination of internet application services. Payment method algorithms are demanded for the stable transaction between producer and consumer. Security protocol algorithms are widely adapted for mobile Platform terminals. In this Paper, we described security mechanism for the current wireless internet services and compared with the performance result. There are security protocols that based on java machine platform or WAP protocols. The system is based on J2ME technology for the java mobile platform. Based on this technology, a security system is proposed for the service of mobile commerce electronic payment. The system is designed for the stability of transaction so that it enables to apply into many kinds of internet payment system.

• 한국전자거래학회지
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• 제4권1호
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• pp.103-115
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• 1999

The electronic cash, an electronic equivalent of the real paper money, has been recently proposed as one of the various payment methods for electronic commerce. In this paper, we design an electronic cash payment system based on a new electronic cash payment protocol that can effectively provide full anonymity and avoid double-spending. The protocol is suitable for use as the electronic cash control or electronic cash database. The protocol support also security and electronic cash property.

• 정보처리학회논문지C
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• 제9C권3호
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• pp.351-358
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• 2002

Recently, personal business styles have been rapidly changed into e-business due to the rapid progress and deployment of Internet. As a result of the change, new and safe ways of payment such as electronic wallet, electronic money and electronic check have been developed and introduced. In this paper a secure and user-friendly payment method is addressed. One of most important reasons why newly developed safe payment methods are not widely used in e-business is lack of convenience for the users. On the other hand credit card based payment, which is traditional one, is the most prevailing due to the user-friendliness. However this payment also has some problem in sense of security. In this paper, we design and implement a secure credit card-based payment system using one-time credit information. The main features are "payment information must be new", "can use the old credit system", and "do not require client software".