• 산업진흥연구
• /
• 제7권4호
• /
• pp.109-119
• /
• 2022

최근 인터넷 금융이 중국 내에서 다양하게 통합되면서 새로운 형태의 금융이 형성되고, 중국의 실물경제 구축과 포용적 금융으로 빠르게 새로운 금융의 통로가 되고 있다. 본 논문은 중국 인터넷 금융플랫폼의 패널자료를 토대로 인터넷금융위험의 영향요인을 랜덤효과모형을 이용하여 분석한 결과 다음과 같은 결과를 얻었다: (1) 금융플랫폼의 사용자펀드와 플랫폼펀드관리를 통하여, 인터넷상의 거래에서 금융리스크를 효과적으로 줄일 수 있다. (2) 규제정책을 통해 플랫폼 자금이 소수의 대출자에게 집중되는 것을 피함으로써 인터넷 금융거래의 위험을 효과적으로 줄일 수 있다. (3) 자금의 유동성 통제는 인터넷 금융 거래의 위험을 효과적으로 감소시킬 수 있다. 연구결과로, 인터넷 금융의 건전하고 지속가능한 발전을 위한 규제정책에 대한 최적화 전략을 제안하였다.

• 경영과정보연구
• /
• 제7권
• /
• pp.21-51
• /
• 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.

• 산업경영시스템학회지
• /
• 제32권3호
• /
• pp.85-92
• /
• 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.

• 인터넷정보학회논문지
• /
• 제9권1호
• /
• pp.69-78
• /
• 2008

금융, 증권, 화재 보험사, 뱅킹시스템 등의 대고객 응대 서비스는 대부분, 인터넷, DM, SMS, IVR, E-Mail, FAX 등을 통해서 서비스하고 있다. 고객은 다양한 접점을 통해 서비스를 제공받을 수 있다. 기업의 입장에서는 호스트 트랜잭션, 혹은 DB 프로세싱에 대하여, 투명성 있게 서비스를 제공해야한다. 본 논문에서는 화재보험, 금융, 증권, 캐피탈, 은행권에서 이용될 수 있는 서버들에 대해 논하고, 고객에게 투명성을 제공하기 위한 서버의 실시간 모니터링 시스템을 제안하고 설계 구현하였다. 제안된 모델은 대고객 응대 시스템에서 효율적으로 이용될 수 있다.

• KSII Transactions on Internet and Information Systems (TIIS)
• /
• 제10권4호
• /
• pp.1807-1823
• /
• 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.

• 통상정보연구
• /
• 제4권2호
• /
• pp.253-277
• /
• 2002

현재 정보통신기술의 비약적인 발전은 물리적인 거래 패러다임을 전자방식으로 확대시키는 극적인 변화를 주도하고 있다. 주지하는 바와 같이, 금융서비스는 거래당사자간 대부분의 금융거래를 지원하고 있다. 그러므로 전자거래의 확대는 금융서비스를 제공하는 모든 금융기관들에도 영향을 미치고 있다. 이에 따라 모든 금융기관들은 정쟁에서 살아남기 위해 e-Finance 시스템을 도입하여 인터넷금융 서비스를 제공하고 있다. 본 연구의 목적은 이용자측면에서 인터넷을 이용한 e-Finance의 이용 실태와 확산요인을 분석함으로써 e-Finance 고객서비스의 질적인 향상과 신속한 확산 그리고 올바른 전략 수립에 기여하는 것이다. 본 연구는 기존문헌 검토와 요인 및 신뢰도 분석을 통해 e-Finance 자체에 대한 지각된 효율성과 지각된 신뢰 및 안전성, e-Finance 시스템에 대한 신뢰도, 기술적 요소, 고객서비스 품질 그리고 개인특성에 있어 혁신성향 등 6가지를 확산요인으로 채택한다. 로지스틱 회귀분석을 이용한 가설 검증 결과에 따르면, e-Finance시스템에 있어서 기술적 요소와 고객서비스 품질 그리고 개인 특성에 있어 혁신성향은 e-Finance의 확산여부에 각각 유의수준 0.05와 0.01%에서 통계적으로 정의 영향을 갖는 것으로 나타났다. 그렇지만 e-Finance 자체에 대한 지각된 효율성과 지각된 신뢰 및 안전성은 이의 확산여부에 별다른 영향을 미치지 않는 것으로 나타났다. 또한 e-Finance 시스템과 관련하여 시스템의 신뢰도는 통계적으로 이의 확산에 유의적이지 못하였다. 본 연구는 추후 이용자 측면에서 e-Finance 확산요인에 관해 실증적 연구를 하는데 기본적인 자료로서 이용될 수 있고, 이에 대한 기업이나 정부의 정책 수립 또는 구현과 금융기관의 고객서비스 품질정도 결정에 이용될 수 있다. 그러나 본 연구는 만족요인과 이의 e-Finance에 대한 영향을 다루지 못했다는 점과 국내 이용자만을 대상으로 했다는 점 그리고 다중희귀분석을 실시하지 못했다는 점 등 몇 가지 한계를 갖는다.

• KSII Transactions on Internet and Information Systems (TIIS)
• /
• 제13권11호
• /
• pp.5464-5488
• /
• 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)
• /
• 제7권7호
• /
• pp.1671-1689
• /
• 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.

• 디지털융복합연구
• /
• 제8권2호
• /
• pp.189-202
• /
• 2010

전통적으로 금융기관이 전자금융을 취급하는 과정에서 제기되는 여러 가지 위험을 경감하기 위한 다양한 수단을 가지고 있지만, 인터넷의 활성화로 인해 새로운 전자금융의 위험이 제기되고 있으나 이에 대한 대응방안과 정책수단에 대한 연구는 미미한 실정이다. 인터넷이 사회적으로 광범위하게 확산되고 이용이 활발해짐에 따라 금융기관에서도 전자금융운영시스템을 인터넷중심으로 바꾸고 있다. 이 과정에서 온오프라인 겸영은행의 전자금융이나 인터넷전문금융기관의 전자금융의 경우 인터넷이 지니고 있는 고유한 특성으로 계좌개설에서 제기되는 새로운 위험이나 아웃소싱과정에서 제기되는 위험 등 새로운 위험이 제기되고 있다. 이러한 위험에 대응하기 위해서는 전자금융위험관리방식을 체계화할 뿐 아니라, 해킹방지, 고객보안강화 등 기술적 물리적 대책도 필요하며 체계적인 아웃소싱위험관리기준의 마련 등 다양한 대응책의 마련이 요구된다.

• Journal of Information Processing Systems
• /
• 제18권3호
• /
• pp.443-456
• /
• 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.