• 한국정보전자통신기술학회논문지
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• 제11권1호
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• pp.100-106
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• 2018

2008년 비트코인이라는 가상화폐의 개념이 발표된 이후, 비트코인의 기반이 되는 블록체인 기술은 향후 우리 사회를 변화시킬 수 있는 4차 산업혁명 시대의 중요한 플랫폼 기술로 주목받고 있다. 기존의 전자금융거래는 정부나 은행 등 신뢰할 수 있는 중앙기관에서 모든 거래 내역을 저장, 관리하고 있는 반면, 블록체인 기반의 전자금융거래는 거래에 참여하는 모든 참여자가 거래 내역을 각각 저장, 관리하는 분산 구조로 이루어져 있어서, 시스템 구축과 운영비용을 절감하면서도 거래의 투명성을 보장할 수 있는 특징을 가지고 있다. 이러한 블록체인 기술은 비트코인으로 시작된 가상화폐 이외에도 스마트 계약, 문서관리 등 다양한 영역으로 그 활용방안이 확장되고 있다. 블록체인의 핵심 기술 영역은 검증된 암호기술을 기반으로 거래 내역의 위조나 해킹이 어렵도록 일정수준 이상의 보안성을 갖추고 있으나, 가상화폐를 사고파는 거래 서비스나 상품 대금으로 지급하는 결제 서비스의 구현에 있어서는 구현 방식에서의 보안 취약점이 존재할 수 있기에 가상화폐 사용에 있어서 보안 위험에 대해서 살펴보고 대응방안에 대해서 논하고자 한다. 특히 가상화폐 거래를 손쉽게 해주는 가상화폐 거래소에 대한 보안 사고가 최근에 자주 발생하고 있으며, 가상화폐를 거래하는 사용자들의 피해도 증가하고 있기에 금융권에 적용 가능한 블록체인 보안 위협을 살펴보고 그 중에서도 특히 보안사고로 인한 피해가 많이 발생하는 가상화폐 거래소에 대한 보안 위협과 적용 가능한 보안 대책을 제시하고자 한다.

• 융합정보논문지
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• 제9권7호
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• pp.14-24
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• 2019

블록체인의 활용이 금융서비스 등에서 우선적으로 진행되고 있고, 중소기업 분야의 경우 블록체인의 활용도와 효과성이 높은 분야로 거론된다. 본 연구에서는 중소기업에 블록체인을 적용했을 때 나타날 수 있는 효과성에 대해서 확인하고 적용 시 우선적으로 필요한 법제적 및 정책적 과제를 살펴보기 위한 논문이다. 이는 관련 주제를 함께 다룸으로서 그 도입에 대한 당위성을 알아보기 쉽게 하기 위함이다. 선행연구의 부족으로 다양한 논문과 보고서를 참고하였으며, 공급사슬관리 최적화, 서류작업의 간략화, 제품 생산성 향상, 자금 흐름 원활화 등의 긍정적 효과가 나타날 수 있다는 것을 확인했다. 또한 전자거래기본법, 전자상거래법, 전자금융거래법, 개인정보보호법에 관한 법제적 보완의 필요성을 확인했으며, 플랫폼 개발, 중소기업 대상 교육 제도, 거래 표준화 지침, 세금 감면 정책, 블록체인 연구 개발을 위한 정책적 보완의 필요성을 확인하였다. 향후 보다 광범위한 실무적인 연구와 구체적인 차원의 개별 법률 연구가 필요하다.

• 대한전기학회:학술대회논문집
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• 대한전기학회 2007년도 제38회 하계학술대회
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• pp.846-847
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• 2007

재무적 송전권을 소유한 발전사는 송전권 시장에서 얻는 이득을 고려하여 전략적으로 발전량을 결정한다. 그러므로 경쟁의 균형에서 사회적 후생은 송전권과 밀접한 관련이 있다. 본 연구는 에너지시장과 송전권시장이 결합된 전력시장을 모형화하여 시장참여자의 최적화 문제를 소개한다. 그리고 단순한 사례모형을 활용하여 사회적으로 바람직한 송전권 소유에 대해 분석을 시도한다.

• 통상정보연구
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• 제10권1호
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• pp.315-327
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• 2008

According to the Bank Profitabilities Statistics of OECD members, Our domestic banks applying commissions for both exchange and selling/buying foreign currencies are evaluated as much higher than those of other countries banks. The theory indicates an analysis results and comparison in between banks over the world. Our domestic bank assert that, in general, the aggregated banking commission income is lower than those of other countries by comparing in the field of non-interests profits. Viewing by another analysis in details, some commission rate applying to domestic services are far below than cost basis, but other commission rate applying to foreign currency transaction services is abnormally higher. Such unfair rate should be lowered to the similar level to other banks in the world and also the actual cost should be reasonably reevaluated in the reasonable manner. One more thing, The writer suggest that domestic banks should spend efforts to increase their income by improving and diversifying with the various type of new commissions applied to domestic market, such as multi-functional financial services, expanding ATM services, electronic settling technique etc under today's rapidly changing and opening world financial market.

• International Journal of Computer Science & Network Security
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• 제21권5호
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• pp.237-242
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• 2021

The article deals with the problematic issues of defining information as an object of private relations. Definitions that they are intangible and non-consumable by nature, are inextricably linked to a specific material carrier are/or secured by the subject that transmits them, messages, and information that have quantitative and qualitative characteristics, and are capable of having a freight or another value, and in case of its illegal usage causing damage and moral harm.

• Asia pacific journal of information systems
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• 제28권4호
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• pp.308-319
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• 2018

This paper aims at providing valuable insights on Financial Fraud Detection on a mobile money transactional activity. We have predicted and classified the transaction as normal or fraud with a small sample and massive data set using Azure and Spark ML, which are traditional systems and Big Data respectively. Experimenting with sample dataset in Azure, we found that the Decision Forest model is the most accurate to proceed in terms of the recall value. For the massive data set using Spark ML, it is found that the Random Forest classifier algorithm of the classification model proves to be the best algorithm. It is presented that the Spark cluster gets much faster to build and evaluate models as adding more servers to the cluster with the same accuracy, which proves that the large scale data set can be predictable using Big Data platform. Finally, we reached a recall score with 0.73, which implies a satisfying prediction quality in predicting fraudulent transactions.

• 산경연구논집
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• 제11권8호
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• pp.31-38
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• 2020

Purpose: This study uses 'Autoregressive Integrated Moving Average Model' to predict the impact of a sharp drop in the base rate due to COVID-19 at the present time when government policies for stabilizing house prices are in progress. The purpose of this study is to predict implications for the direction of the government's house policy by predicting changes in house transaction prices and house rental prices after a sharp cut in the base rate. Research design, data, and methodology: The ARIMA intervention model can build a model without additional information with just one time series. Therefore, it is a time-series analysis method frequently used for short-term prediction. After the subprime mortgage, which had shocked since the global financial crisis in April 2007, the bank's interest rate in 2020 is set at a time point close to zero at 0.75%. After that, the model was estimated using the interest rate fluctuations for the Bank of Korea base interest rate, the house transaction price index, and the house rental price index as event variables. Results: In predicting the change in house transaction price due to interest rate intervention, the house transaction price index due to the fall in interest rates was predicted to change after 3 months. As a result, it was 102.47 in April 2020, 102.87 in May 2020, and 103.21 in June 2020. It was expected to rise in the short term. In forecasting the change in house rental price due to interest rate intervention, the house rental price index due to the drop in interest rate was predicted to change after 3 months. As a result, it was 97.76 in April 2020, 97.85 in May 2020, and 97.97 in June 2020. It was expected to rise in the short term. Conclusions: If low interest rates continue to stimulate the contracted economy caused by COVID-19, it seems that there is ample room for house transaction and rental prices to rise amid low growth. Therefore, In order to stabilize the house price due to the low interest rate situation, it is considered that additional measures are needed to suppress speculative demand.

• 제어로봇시스템학회논문지
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• 제11권11호
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• pp.956-962
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• 2005

This paper presents an integrated analysis of production and financing decisions. We assume that a cash storage unit is installed to manage the cash flows related with production activities such as raw material procurement, process operating setup, Inventory holding cost and finished product sales. Temporarily financial investments are allowed for more profit. The production plant is modeled by the Batch-Storage Network with Recycle Streams in Yi and Reklaitis (2003). The objective function of the optimization is minimizing the opportunity costs of annualized capital investment and cash/material inventory while maximizing stockholder's benefit. No depletion of all the material and cash storage units is major constraints of the optimization. A novel production and inventory analysis formulation, the PSW(Periodic Square Wave) model, provides useful expressions for the upper/lower bounds and average level of the cash and material inventory holdups. The expressions for the Kuhn-Tucker conditions of the optimization problem can be reduced to two subproblems and analytical lot sizing equations under a mild assumption about the cash flow pattern of stockholder's dividend. The first subproblem is a separable concave minimization network flow problem whose solution yields the average material flow rates through the networks. The second subproblem determines the decisions about financial Investment. Finally, production and financial transaction lot sizes and startup times can be determined by analytical expressions as far as the average flow rates are calculated. The optimal production lot and storage sizes considering financial factors are smaller than those without such consideration. An illustrative example is presented to demonstrate the results obtainable using this approach.

• 융합보안논문지
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• 제20권2호
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• pp.37-52
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• 2020

최근 우리나라를 비롯한 EU, 영국 등은 금융구조 개혁 및 금융소비자의 편의성 제고를 위하여 금융회사가 보유하고 있는 금융정보를 핀테크기업에게 개방하는 오픈뱅킹을 적극 추진하고 있다. 향후 오픈뱅킹이 점차 활성화될수록 오픈뱅킹 제공기관의 안정성 확보 및 이용자 보호의 중요성은 더욱 커질 것이다. 특히 우리나라는 전자금융거래의 안정성과 신뢰성 확보를 위하여 2007년부터 시행해 온 전자금융거래법이 있지만, 오픈뱅킹 제공기관에게 적용하기 어려운 한계가 있어 오픈뱅킹에 대한 보안사고 예방 및 이용자 보호가 취약해질 위험성이 있다. 따라서 본 논문에서는 오픈뱅킹에 관한 외국의 규제를 살펴보고, 국내 오픈뱅킹의 안정성 강화 및 이용자 보호를 위한 규제 개선 방안을 제시해 본다.

• Agribusiness and Information Management
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• 제4권1호
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• pp.24-31
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• 2012

This case study investigates the KIKO currency option that has been a social issue in recent years among developing countries, especially Korea, where the financial derivatives market is in a state of rapid growth. The forward transaction which becomes a basis of derivatives is intended to hedge risks that may be caused by a future change in asset prices. Although it originates from a simple form of agricultural transactions, there currently exists a variety of derivatives in more sophisticated forms. In the Korean agricultural industry, the need to use such derivatives is great, as there is a huge risk of price fluctuation in agricultural products due to frequent adverse weather. In addition, many developing countries with export-led industrial structures similar to Korea's, of necessity must resort to currency hedging as a method of reducing relevant risk. However, in most cases, the lack of understanding about financial derivatives results in an inappropriate application of these derivatives. The KIKO in this study represents such cases. Since 2007, KIKO has been sold in Korea to many small- and medium-sized export companies for the purpose of currency hedging when the exchange rate between the Korean won and the U.S. dollar was in a downward spiral. The main focus of this study is a case which is most representative of KIKO. As inflation rapidly increased during the financial crisis in the U.S. at the end of 2007, derivatives became a hot issue in the courts rather than in the financial markets. This case study investigates what KIKO and the fierce legal debates over it imply, from the perspective of the option of value evaluation in order to suggest not only a direction in which companies can utilize financial derivatives, but also a roadmap for the future derivatives market.