• 제목/요약/키워드: e-money

검색결과 174건 처리시간 0.025초

웹기반 사이버트레이딩시스템의 충성도에 관한 연구 (A Study on the Loyalty to Web Based Cyber Trading Systems)

  • 이원호;김은홍;권순범
    • 한국경영과학회지
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    • 제29권2호
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    • pp.97-116
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    • 2004
  • Recently, e portion of on-line stock brokerage has been rapidly increased to be more than 50%, on the basis of contracted money. The usage of wCTS(Web Based Cyber Trading Systems) has now got into the steady state over the initial diffusion stage, which means wCTS has got more-than-half customer base in on-line service. Therefore, brokerage service providers have their competitive strategic focus on customer retention through the enhancement of customer loyalty. This study provides framework and survey results on explanation of wCTS user's loyalty, what and how factors affect wCTS user's loyalty. We adopt the results of early studies on information technology acceptance and diffusion such as TAM(Technology Acceptance Model) and IDT(Innovation Diffusion Theory). We also referred loyalty theory of marketing area and studios on CTS usage. We categorized explanation factors as three groups characteristics of users, characteristics of system, social environment. And we assumed that these three factors could affect the loyalty through two parameters : customer satisfaction and trust to the system. This study firstly shows that the ease of use and usefulness, the major factors of TAM. can also be applied to the loyalty of wCTS with resulting that the usefulness is more important than the ease of use In wCTS. Secondly, it shows that the innovative and risk-sensitive user has the lower degree of loyalty. Thirdly, it shows that the satisfaction and trust impact the loyalty simultaneously, the trust particularly impacts more strongly than the loyalty, due to the characteristics of monetary transaction in wCTS. This study provides meaningful results to the other on-line EC service fields as a first empirical research regarding the loyalty to wCTS which is a typical on-line EC service.

한국 장단기 금융시장, 주식 및 외환시장 연관성 (Analysis about relation of Long-term & Short-term Financial Market, Stock Market and Foreign Exchange Market of Korea)

  • 김종권
    • 산업경영시스템학회지
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    • 제22권50호
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    • pp.105-125
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    • 1999
  • The results of analysis on foreign exchange market, stock and financial market after January of 1997 are that foreign exchange market will be affected by stock and financial market volatility about 1999. This means that stock and financial market are more stable than foreign exchange market. This also is supported by ‘financial market forecast of 1999 in Daewoo Economic Research Institute’. After won/dollar (end of period) will be increasing in 1,430 at second quarter of 1999, this is to downward 1,200 fourth quarter of 1999. This is somewhat based on government's higher exchange rate policy. But, after yield of corporate bond is to 11.0% at first quarter of 1999, this will be stable to 10.2% at fourth quarter. During the first quarter of 1999, yield of corporate bond is to somewhat increasing through sovereign debt and public bonds, technical adjustment of interest rate. After this, yield of corporate bond will be stable according to stability of price, magnification of money supply, restucturing of firms. So, stock market is favorably affected by stability of financial market. But, the pension and fund of USA, i.e., long-term portfolio investment fund, are injected through international firm's management. It is included by openness of audit, fair market about foreign investors. Finally, Moody's strong rating on the won-denominated bonds suggest that Korea's sovereign debt ratings could be restored to an investment grade in the near future. It sequentially includes inflow of foreign portfolio investment fund, fall of won/dollar foreign exchange rate (appreciation of won) and stability of yield of corporate bond.

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무인증서 서명 암호화 기법을 이용한 안전한 모바일 신용카드 결제 프로토콜 (Secure Mobile Credit Card Payment Protocol based on Certificateless Signcryption)

  • 최희진;김형중
    • 디지털콘텐츠학회 논문지
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    • 제14권1호
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    • pp.81-88
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    • 2013
  • 스마트폰 사용의 증가로 인해 모바일을 통한 결제가 대중화되고 모바일카드 이용자도 급격하게 증가하고 있다. 현재 사용되어지는 모바일카드의 대부분은 USIM(Universal Subscriber Identification Module) 칩에 신용카드 정보를 다운받아 사용자에게 서비스를 제공한다. USIM에 저장되는 모바일카드는 통신사의 USIM 칩에 보안을 위한 최소한의 정보를 저장하고 관리하며 PKI(Public Key Infrastructure) 기반의 인증서 체계를 사용하고 있다. 그러나 PKI 기반의 결제 시스템의 경우 처리 절차가 복잡하고, 인증서 및 CRL(Certificate Revocation List) 관리에 많은 비용이 필요하다. 특히 인증서가 없는 외국인의 경우 국내 전자상거래를 이용할 수 없기 때문에 국내 전자상거래 발전을 저해하는 요인으로 작용할 수 있다. 따라서 본 논문에서는 인증서 사용의 문제를 해결한 모바일 환경에 적합한 무인증서(certificateless) 기반의 서명 암호화 기법을 이용한 안전한 신용카드 결제 프로토콜을 제안한다.

울산시 여고생의 건강상태, 식행동 및 영양섭취상태에 관한 연구 (A Study on the Health Condition, eating Behavior and Nutritional Status of Girl's High School Students in Ulsan)

  • 홍순명
    • 대한가정학회지
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    • 제36권7호
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    • pp.25-38
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    • 1998
  • This research was carried out to investigate the health condition, eating behavior and nutritional status of female high school students. The survey was conducted from July 5 to July 18, 1996 with 524 first grade students(15 to 17 years old) of H girl's high school using the questionnaire method. The levels of depression and anxiety were measured by CED-S and Spielburger's STAI-S, respectively. In addition, nutrient intakes were estimated by Convenience Method. The results of this study are as follows: 1. The mean depression and anxiety scores of the subjects were 22.23 and 26.00, respectively. The proportion of subjects with normal weight(BM) was 72.1%. The perceived health condition of subjects was moderate and 15.1% of subjects were anemic. The subjectiv health symptoms were feeling drowsy, tired eyesight, getting tired easily, catching cold frequently and frequent headache. 2. The irregularity of breakfast was high in the subjects. The problems of the eating behavior were irregular meals, unbalanced diets, excessive meals, skipping meals and food prejudice. Forty-nine percent of subjects had good eating behaviors. 3. The mean energy intake of subjects was 1717Kcal. The proportion of energy derived from carbohydrates, proteins and fats were 62.70%, 13.89% and 23.42%, respectively. The subjects consumed 59.59g of protein, 13.07mg iron, 637.49mg calcium, 553.64 R.E. vitamin A, 0.94mg vitamin B1, 1.08mg vitamin B2, 15.15mg niacin and 49.59mg vitamin C, respectively. Except niacin, other nutrient intakes were less than the Korean recommended dietary allowances(RDA), especially, iron. 4. Mother's occupation, subject's pocket money and perceived health condition were negatively correlated with eating behavior, And the depression and anxiety of subjects showed wrong eating behaviors. The effects of socioeconomic variables, depression, anxiety and perceived health condition on the nutrient intake were different depending on the kind of nutrient. The nutrient intakes differed significantly among the group of different eating behavior. The eating behavior was significantly correlated with the nutrient intake.

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블록체인 기반 합의 알고리즘 연구 (A Study on Consensus Algorithm based on Blockchain)

  • 유순덕
    • 한국인터넷방송통신학회논문지
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    • 제19권3호
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    • pp.25-32
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    • 2019
  • 블록체인 기술 핵심은 이중지불에 대한 합의 문제를 해결하는 것이며 이를 위해 이용되고 있는 알고리즘인 PoW, PoS 및 DPoS에 대하여 살펴보았다. PoW인 작업증명은 스팸 전자 메일을 보내거나 서비스 거부(Denial of service, DoS) 공격을 시작하는 등 컴퓨팅 능력의 사소하거나 악의적인 사용을 막기 위해 실현 가능한 노력을 필요로 하는 합의 시스템이다. PoS인 지분증명은 작업증명(PoW) 알고리즘의 에너지 낭비뿐만 아니라 Nothing at stake 문제를 해결하기 위해 만들어졌으며, 계산능력이 아닌 화폐 보유량에 따라 각 노드의 합의 결정권이 정해진다. DPoS는 분산 네트워크를 통해 소수의 권한을 가진 사용자들이 거래 합의를 유지하는 것으로, PoS는 모든 사용자에게 합의 권한을 가지는 것과 달리 DPos는 합의 권한을 소수의 대표자에게 제공 한다는 것이다. 즉 PoS가 직접 민주주의라면 DPoS는 간접민주주의이다. 본 내용은 블록체인 합의 알고리즘에 대한 연구를 통하여 관련 분야의 지속적인 발달에 기여하고자 한다.

패션제품 대여 서비스 이용자의 구매의사결정과정과 의복 쇼핑성향에 관한 탐색적 연구 (An Exploratory Study on Purchase Decision Making Process and Clothing Shopping Orientation of Fashion Products Rental Service Users)

  • 이지윤;신은정;고애란
    • Human Ecology Research
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    • 제56권6호
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    • pp.555-571
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    • 2018
  • This study identified the characteristics of fashion rental service users as well as analyzed their purchase decision-making processes. A qualitative investigation was conducted through in-depth interviews with 13 women in their 20s-30s who have experienced renting fashion items due to a high interest in fashion. The results of the study are summarized as follows. The need recognition stage analyzed ventilation by mass media, SNS impact, curiosity, saving shopping time and money, awareness of situational necessity, and creation of various styles. The information search stage analyzed how users obtained information from 2 different sources of nonmarketer-dominated sources and marketer-dominated sources. The pre-purchase stage analyzed the evaluation of alternatives in which study participants used 2 evaluation criteria for fashion rental services and fashion rental items. The purchase stage analyzed how participants wait and select desired items (when receiving the notification of rentable items) or select alternative products. The consumption stage examined the usage frequency and usage method. The study divided the post-consumption evaluation stage into 2 categories for evaluation: personal feelings and service. The post-consumption behavior stage analyzed how participants displayed WOM, eWOM and purchase rental product behavior. Clothing shopping orientation of study participants is displayed in 5 dimensions of brand-seeking propensity, individuality-seeking propensity, economic efficiency-seeking propensity, rationality-seeking propensity, and pleasure-seeking propensity. This study identified three main characteristics in the study participants: interest in the fashion, favorable attitude toward used fashion items, consciousness of others.

A Design of Multi-hop Network Protocol based on LoRaWAN Gateway

  • Kim, Minyoung;Jang, Jongwook
    • International journal of advanced smart convergence
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    • 제8권2호
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    • pp.109-115
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    • 2019
  • Currently, LPWA(Low Power Wide Area) communication technology is widely used due to the development of IoT(Internet of Things) technology. Among the LPWA technologies, LoRaWAN(Long Range Wide Area Network) is widely used in many fields due to its wide coverage, stable communication speed, and low-cost modem module prices. In particular, LoRa(Long Range) can easily construct LoRaWAN with a dedicated gateway. So many organizations are building their own LoRaWAN-based networks. The LoRaWAN Gateway receives the LoRa packet transmitted from an End-device installed in the adjacent location, converts it into the Internet protocol, and sends the packet to the final destination server. Current LoRa Gateway uses a single-hop method, and each gateway must include a communication network capable of the Internet. If it is the mobile communication(i.e., WCDMA, LTE, etc.) network, it is required to pay the internet usage fee which is installed in each gateway. If the LoRa communication is frequent, the user has to spend a lot of money. We propose an idea on how to design a multi-hop protocol which enables packet routing between gateways by analyzing the LoRaWAN communication method implemented in its existing single-hop way in this paper. For this purpose, this paper provides an analysis of the standard specification of LoRaWAN and explains what was considered when such protocol was designed. In this paper, two gateways have been placed based on the functional role so as to make the multi-hop protocol realized: (i) hopping gateway which receives packets from the end-device and forwards them to another gateway; and (ii) main gateway which finally transmits packets forwarded from the hopping gateway to the server via internet. Moreover, taking into account that LoRaWAN is wireless mobile communication, a level-based routing method is also included. If the protocol proposed by this paper is applied to the LoRaWAN network, the monthly internet fee incurred for the gateway will be reduced and the reliability of data transmission will be increased.

의료기관에서 간호사와 환자의 전자동의서 사용 경험: 질적 연구 (Nurse and Patient's Experiences Regarding the Use of Electronic Informed Consent in Hospital: A Qualitative Study)

  • 김선희;강희선
    • 한국산학기술학회논문지
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    • 제21권12호
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    • pp.619-628
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    • 2020
  • 본 연구의 목적은 의료기관에서 간호사와 환자의 전자동의서 작성 경험을 파악하고자 하는 것이다. 본 연구는 포커스 그룹 인터뷰를 적용한 질적 내용 분석 연구이며, 연구 참여자는 간호사 30명과 환자 27명이었다. 포커스 그룹 인터뷰와 심층 면담을 통해 자료를 수집하였고 내용분석 하였다. 본 연구결과 전자동의서 사용 경험과 관련된 주요 주제는 '전자 동의서 사용에 대한 유용성', '전자동의서 태블릿 PC 사용과 관련된 불편함', '전자동의서 기능향상에 대한 바람'이었다. 참여자들은 전자동의서는 간편하고 편리하며, 자원과 공간이 절약되고, 향상된 전자시스템의 기능이 있어 만족하나, 예기치 못한 기계의 오작동이 생기거가 충전 펜과 고정형 모니터를 사용할 때 또는 사용법이 익숙하지 않은 경우에는 불편하다고 하였다. 참여자들은 추후 점차 사용이 확대되고, 친필과 유사한 필체, 화면 확대 조정 및 시청각 보조 기능이 지원되기를 원했다. 전자동의서 사용자들의 불편함을 최소화하고 만족도를 최대화하기 위한 노력이 필요하다.

Investigating the Interaction Between Terms of Trade and Domestic Economy: In the Case of the Korean Economy

  • Han, Yongseung;Kim, Myeong Hwan;Nam, Eun-Young
    • Journal of Korea Trade
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    • 제25권1호
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    • pp.34-46
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    • 2021
  • Purpose - This paper aims to analyze the impact of the terms of trade, export price, and import price on the Korean economy (that is, real GDP, CPI, money market rate, and real effective exchange rate), and vice versa in the simple vector autoregression. Design/methodology - We impose two assumptions, i.e., diagonality and bloc exogeneity, to correctly identify the impact of a factor to the others in the structural equation. With two contemporaneous assumptions in the structural VAR, this paper investigates the impacts of the terms of trade on the Korean economy and vice versa. Findings - Impulse responses to the shocks in the terms of trade and Korean economy show that 1) an impact of the terms of trade on the economy is different in export prices and in import prices. A higher export price is beneficial to the economy while a higher import price hurts the economy, and 2) an increase in real effective exchange rate and in interest rate constrains domestic production and lowers consumer prices. Originality/value - Unlike the conventional perception that a depreciation of a currency would promote exports and domestic production at the price of inflation, our result shows the opposite, and 3) real GDP and consumer prices are positively correlated. That is, an increase in real GDP does not only cause inflation, but an increase in consumer prices also promote domestic production. Yet, the only difference is that export prices and import prices end up higher with an increase in real GDP, but lower with inflation.

The Impact of COVID 19 on the Meat Supply Chain in the USA: A Review

  • Whitehead, Dalton;Kim, Yuan H. Brad
    • 한국축산식품학회지
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    • 제42권5호
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    • pp.762-774
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    • 2022
  • The COVID 19 pandemic resulted in a considerable influence on the world economy. Being a big sector of the economy, the food supply chain struggled. The meat supply chain was most notably affected as every part of the supply chain from farm to shelf was closely inter-related. With the closure of businesses and restaurants the demand for at home food from grocery stores increased. Meat production facilities were impacted when the virus spread to the workers causing facilities to close or line speeds to slow. The combination of these two issues, in turn, led to there being less meat on the shelves. With less meat animals being harvested, there was less demand for livestock leading to farmers having an excess in slaughter ready animals. The decreased demand for livestock led to economic issues as money was lost in multiple sections of the supply chain. Aside from the economy and supply chain issues, other issues include concerns over the safety of meat products due to decreased safety protocols to increase line speed. Additionally, concerns of animal welfare with the excess of animals being culled were raised due to decreased capacity in processing facilities. While this review paper mainly focuses on characterizing the impact of COVID 19 on the meat supply chain in the USA, the compiled information should be able to provide practical insights to the meat/food industry across the globe to develop potential mitigating strategies against the COVID 19 and/or any similar pandemic incidences in the future.