• Industry Promotion Research
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• v.7 no.4
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• pp.109-119
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• 2022

In recent years, China's Internet finance industry is hot. There is no doubt that Internet finance has been fully integrated into China, forming a new form of financing, and rapidly becoming a new channel for investment and financing in China, shouldering the responsibility of inclusive financing and building China's real economy. However, with investment, there are risks. Based on the panel data of China's Internet financial platform, this paper uses the random effect model to study the influencing factors of Internet financial risks, and draws three conclusions: (1) The user funds and platform funds of the financial platform will be managed separately by the bank, which can effectively reduce the risk of financial transactions on the Internet; (2) The risk of Internet financial transactions can be effectively reduced by avoiding the concentration of platform funds in the hands of a few borrowers through regulatory policies; (3) The liquidity control of funds effectively reduces the risk of Internet financial transactions. Based on the conclusions, we propose optimization strategies for regulatory policies to achieve the healthy and sustainable development of Internet finance.

• Management & Information Systems Review
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• v.7
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• pp.21-51
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• 2001

For increasing the competitiveness and efficiency of Korea's finance industry under the new e-finance paradigm, this paper compared the practical use of finance portal site' on service parts and stage between Korea and U.S.A.. The services which can be served from site are banking, mortgage and credit loan, stock, card, retirement tax, PFM(Personal Finance Management), EBPP(Electronic Bill Presentment and Payment) and Account Aggregation and so on. The stage of site can be divided as the information provide stage which only gives information about service parts, on-line transaction stage which real-time transaction is possibile and PFM services provide stage according to development process. As a result, the beginning of finance portal service in Korea was lated about 10years and more than it of U.S.A. So the development stage of domestic portal site is still staying in the first step and the providing services and contents or business model development parts are also in the same stage than U.S.A. Resides, Korea's sites mainly focus on their first service parts even though they recently aim internet finance portal, and provide not real time transaction but finance information. On the other hand, the U.S.A. site support substantially not only various on-line transactions but also distinctive personal services like PFM(Personal Finance Management), EBPP(Electronic Bill Presentment and Payment), Account Aggregation and Trans-account, brokerage, education center, mortgage loan, mutual fund, option, pension fund and IPOs and so on. Thus, the site of Korea need to establish real type of internet finance portal which provides one-stop services on every type of finance to customers in the real time and also require the strategic integration among finance institutions. The next turn, they need to build information system and education center to give best satisfaction to customers and acquire customer information and marker environment changes and need to provide distinctive services to quality customers throughout database from this. Also the site should provide various type of banking services which refereed above like PEM, EBPP and education center etc, and the government of Korea should support the building of IT infrastructure to Physical, legal, systematic, sociocultural, technical and human resource sections. This paper provided the future movement direction of the domestic finance portal through comparison and analysis on the practical use of it between Korea and U.S.A. and also wanted to contribute for developing and reading of Korea finance portal in the new era of the finance paradigm.

• Journal of Korean Society of Industrial and Systems Engineering
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• v.32 no.3
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• pp.85-92
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• 2009

A lot of B2C Internet shopping mall companies are establishing various strategies in order to make a result to be further better than it. But They are experiencing trouble by restriction like manpower or financial issue. Therefore, frying to grasp how an assistance degree of a company In B2C Internet shopping mall success factors affects will be important information in resources distribution of management strategic which is established by B2C Internet shopping mall company to survives in unlimited competition. In this paper, It is purpose to find which is success factors affecting to a finance and the other part of results in B2C Internet shopping mall companies. In order to achieve a study purpose, we make a model by literature study and inquiries and analysis the result data. Consequently for successful B2C Internet shopping mall operation, it needs a assistance of a company fully. But the company which shall get a maximum effect with resources limited is difficult to assistance fully. This study will be used to establish strategies of distribution of resources appropriately for the company which is not fully assist B2C Internet shopping mall operation because of restrictions of manpower, material and finance.

• Journal of Internet Computing and Services
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• v.9 no.1
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• pp.69-78
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• 2008

Finance, Securities, banking system provides information through Internet, DM SMS, IVR, E-mail and FAX for customer. Customers can use multi channel. Enterprise requires Host transaction and transparency for DB processing, This paper provides two contributions to the study. First, we discuss Server of Fire insurance (finance, securities and capital, bank system) in Enterprise. Second, we present Real time monitoring system for customer transparency. Finally, we design and implement the proposed system. These techniques can be efficiently supported in CRM(Customer Relationship Management).

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.10 no.4
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• pp.1807-1823
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• 2016

Local Binary Pattern (LBP) and its variants have powerful discriminative capabilities but most of them just consider each LBP code independently. In this paper, we propose sub oriented histograms of LBP for smoke detection and image classification. We first extract LBP codes from an image, compute the gradient of LBP codes, and then calculate sub oriented histograms to capture spatial relations of LBP codes. Since an LBP code is just a label without any numerical meaning, we use Hamming distance to estimate the gradient of LBP codes instead of Euclidean distance. We propose to use two coordinates systems to compute two orientations, which are quantized into discrete bins. For each pair of the two discrete orientations, we generate a sub LBP code map from the original LBP code map, and compute sub oriented histograms for all sub LBP code maps. Finally, all the sub oriented histograms are concatenated together to form a robust feature vector, which is input into SVM for training and classifying. Experiments show that our approach not only has better performance than existing methods in smoke detection, but also has good performance in texture classification.

• International Commerce and Information Review
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• v.4 no.2
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• pp.253-277
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• 2002

Nowaday, the advanced technology in information and communication has been leading the dramatic change of transaction paradigm expansion from physical basis to electronic one. As we know, financial services support most of financial exchange between two business parties. So the expansion of electronic transaction paradigm affects to every financial institutions which provide financial services. Thus, financial institutions have accepted e-Finance systems and providing internet financial services to live in the competition. The purpose of this study is to contribute the qualitative enhancement of its customer service, rapid diffusion and accurate strategy establishment for e-Finance industry in the user side. Through the literature review and factor and reliability analysis, this study selects six diffusion factors such as efficiency of perceived e-Finance, reliability and safety of e-Finance in perceived e-Finance itself's characteristic; confidence, technical factors and the customer service quality of e-Finance system in perception on e-Finance System; inclination to innovation in the personal characteristic. According to result of hypothesis verification by using logistics regression analysis, technical factors and the customer service quality of e-Finance system in perception on e-Finance System and inclination to innovation in the personal characteristic gave statistically positive effect to the diffusion decision at the significant level 0.05 and 0.01. However efficiency of perceived e-Finance, reliability and safety of e-Finance in perceived e-Finance itself's characteristic didn't affect to diffusion decision and confidence of e-Finance system in perception on e-Finance System didn't have any statistical significancy. This study can be used as a basic material for the forward empirical study of diffusion factors in the user side and be able to apply to company and government policy making or embodiment, determination for customer service quality degree of financial institutions. But this study has some limitations like didn't touch satisfaction factors and its effect, only deal domestic customers and didn't use multi-regression analysis.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.13 no.11
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• pp.5464-5488
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• 2019

The multi-population genetic algorithm in multi-target paths coverage has become a top choice for many test engineers. Also, information sharing strategy can improve the efficiency of multi-population genetic algorithm to generate multi-target test data; however, there is still space for some improvements in several aspects, which will affect the effectiveness of covering the target path set. Therefore, a multi-target paths coverage strategy is proposed by improving multi-population genetic algorithm based on individual information sharing among populations. It primarily contains three aspects. Firstly, the behavior of the sub-population covering corresponding target path is improved, so that it can continue to try to cover other sub-paths after covering the current target path, so as to take full advantage of population resources; Secondly, the populations initialized are prioritized according to the matching process, so that those sub-populations with better path coverage rate are executed firstly. Thirdly, for difficultly-covered paths, the individual chromosome features which can cover the difficultly-covered paths are extracted by utilizing the data generated, so as to screen those individuals who can cover the difficultly-covered paths. In the experiments, several benchmark programs were employed to verify the accuracy of the method from different aspects and also compare with similar methods. The experimental results show that it takes less time to cover target paths by our approach than the similar ones, and achieves more efficient test case generation process. Finally, a plug-in prototype is given to implement the approach proposed.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.7 no.7
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• pp.1671-1689
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• 2013

The key issue of block-based multi-focus image fusion is to determine the size of the sub-block because different sizes of the sub-block will lead to different fusion effects. To solve this problem, this paper presents a novel genetic algorithm (GA) based multi-focus image fusion method, in which the block size can be automatically found. In our method, the Sum-modified-Laplacian (SML) is selected as an evaluation criterion to measure the clarity of the image sub-block, and the edge information retention is employed to calculate the fitness of each individual. Then, through the selection, crossover and mutation procedures of the GA, we can obtain the optimal solution for the sub-block, which is finally used to fuse the images. Experimental results show that the proposed method outperforms the traditional methods, including the average, gradient pyramid, discrete wavelet transform (DWT), shift invariant DWT (SIDWT) and two existing GA-based methods in terms of both the visual subjective evaluation and the objective evaluation.

• Journal of Digital Convergence
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• v.8 no.2
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• pp.189-202
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• 2010

Although e-Finance has become more and more prevalent in everyday life, with the development of information technology, further development of e-Finance and commercial transactions has been limited. Therefore it is important for financial institutions to be aware of the significance of e-Finance risk and take appropriate actions. And an effective risk management function relies on a well-defined organization structure to eliminate gaps and minimize overlaps in risk management duties, responsibilities, and authorities. It defines and assigns risk management responsibilities, authorities, and accountabilities to appropriate personnel. The adequate organization of the risk management function is very important in the success of risk management.

• Journal of Information Processing Systems
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• v.18 no.3
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• pp.443-456
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• 2022

An efficient and reasonable resource allocation strategy can greatly improve the service quality of Internet of Vehicles (IoV). However, most of the current allocation methods have overestimation problem, and it is difficult to provide high-performance IoV network services. To solve this problem, this paper proposes a network resource allocation strategy based on deep learning network model DDQN. Firstly, the method implements the refined modeling of IoV model, including communication model, user layer computing model, edge layer offloading model, mobile model, etc., similar to the actual complex IoV application scenario. Then, the DDQN network model is used to calculate and solve the mathematical model of resource allocation. By decoupling the selection of target Q value action and the calculation of target Q value, the phenomenon of overestimation is avoided. It can provide higher-quality network services and ensure superior computing and processing performance in actual complex scenarios. Finally, simulation results show that the proposed method can maintain the network delay within 65 ms and show excellent network performance in high concurrency and complex scenes with task data volume of 500 kbits.