• Journal of Information Technology Services
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• v.13 no.4
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• pp.245-254
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• 2014

Payment system is defined as the various contracts and operating facilities for the transfer of monetary value to clear the relationship between credit and debt. Payment systems essentially require the efficient and reliable operations. Card-based payment systems are developed practically and creatively in accordance with the progress of ICT. Especially in mobile environment with intelligent mobile devices such as smart-phones and tablets, a variety of payment services are provided. Existing card-based payment services are configured by the payment transaction initiated by the merchants card acceptance and then swiping into the CAT (Card Authorization Terminal) to begin the transaction. The merchant initiated payment services are now applied to the Wireless CAT (W-CAT) for mobile environment. That kind of payment services cause many problems such the illegal card information leaks and the lingering threat of W-CAT theft. Also, the use of many W-CATs increased cost to the merchant. In this paper, we propose the card holder initiated card payment system using the intelligent mobile devices in mobile environment for solving problems of the existing merchant initiated card payment system and coping effectively with the activation of a wireless data network and changes of information technology.

• The KIPS Transactions:PartD
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• v.9D no.3
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• pp.477-486
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• 2002

vCard that is the electronic business card automates the exchange of personal information typically found on a traditional business card. vCard information contains not only simple text, but also graphics and multimedia data like pictures, company logos, Web addresses, and so on. This paper describes the design and implementation of Web-based vCard agent system for exchanging vCard, an electronic business card and searching another user's vCard in mobile phone environment. In today's business environment, such as that this information is typically exchanged on business cards. Our web agent system in this paper connect web server which provide vCard service and search, edit vCard information displayed by web browser of mobile phone and exchange vCard with another user through internet. Considering characteristics of wireless devices that have limited storage space, It also saves constructed XML documents that include user's informations in a web server and solves the security problem by exchanging not personal data or XML but encrypted directory name where XML document exits as exchanging vcard.

• Journal of Korea Society of Digital Industry and Information Management
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• v.13 no.3
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• pp.53-64
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• 2017

Korean Identification card or driver license is usually used to verify one's identity in Korea. These are also used as an adult certification. Since the form of these ID card is an analog and it needs to be checked with naked eyes, it might be used maliciously. Someone who's got someone else's ID card can do other things. Therefore, it must be reported rapidly when ID card is lost or stolen. The most serious problem might be occurred when they do not recognize and report the loss. They might suffer from pecuniary or mental damage such as opening a mobile phone service, providing loan or credit card, opening a personal checking account, etc. Thus, this study suggests and compares the ways of avoiding these problems. First, the most effective way is to send the authorization code via mobile phones in consideration of build-up period and cost. The person in charge of business processing department using ID card sends the authorization code via registered mobile phone. The owners submits it to the person and their identifications are confirmed. Next effective way is that the person in charge of business processing department using ID card sends text messages via registered mobile phone. Lastly, the most ineffective way is to introduce and implement the electronic ID card ultimately even though it is expensive and takes a long time to build up the system.

• Asia-Pacific Journal of Business
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• v.9 no.4
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• pp.49-65
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• 2018

This paper illustrates the competition between the mobile pay and credit card systems by utilizing the theory of two-sided markets. Two firms, as platforms, maximize the profit collecting fees from consumers on one side and from retailers on the other side. Consumers pay to buy goods and services with mobile pay, credit card, or cash. The basic model is one that each platform maximizes its profit. We show that the fees for credit card holders and retailers are higher than the respective costs. The fee for retailers of the mobile payment is higher than its cost, while the buyer's fee may be higher or lower than its cost. Applied model is the one that employs the delegation game model. The total profit of the mobile pay system is composed of its profit and the weighted demand for the mobile pay. It is shown that buyers' fee under the applied model is lower than that under the basic model, resulting in an increase of the demand for the mobile pay. The fee for the retailers rises, albeit the sum of fees for the buyers and retailers falls. The profit for the mobile pay system is increased, while that for the credit card company stays the same.

• Journal of the Optical Society of Korea
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• v.16 no.4
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• pp.418-424
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• 2012

The purpose of this study was to assess repeatability and reliability of a new phoria test as compared to established phoria tests and to assess the possibility of mobile or online testing using the auto-flashed presentation. Near dissociated phoria was measured using the von Graefe method, the Howell card test, the modified Thorington test, and a new dichromatic card test (Red-Blue Phoria card test; RBP card test) on 109 subjects. The inter-examiner difference and test-retest difference were calculated. With the auto-flashed presentation of the RBP card test, near dissociated phoria was measured and the intraclass correlation coefficient and test-retest repeatability was assessed on 26 subjects. The variation in inter-examiner repeatability was the smallest for the modified Thorington test (+3.1/-2.6). The RBP card test was +3.0/-3.1, the Howell card test was +3.5/-2.7, and the von Graefe test was +6.2/-6.0. The variation in test-retest repeatability was the smallest for the RBP card test (+0.4/-1.4). The modified Thorington test was +1.3/-1.3, the Howell card test was +1.27/-1.45, and the von Graefe test was +1.59/-2.20. The ICC was 0.919 for the auto-flashed presentation of the RBP card test. The RBP card test is considered a highly repeatable method clinically and can be made a useful application for testing in mobile or online.

• Journal of Korea Multimedia Society
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• v.11 no.1
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• pp.117-128
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• 2008

Recently, as the increase in interaction between the person and the person, the people plentifully use the business card to exchange personal information. So, the people have many business cards. Thus, the people are liable to lose the business cards and finding a wanted business card is very difficult in the huge business cards in offline. And, the people think the business card is a way, which can express individuality. So, the people want to have the business card, which has individuality. Thus, this paper proposes the card system, which is satisfied to solve many problems of the card system in offline and express individuality. The proposed business card system can produce various business cards and puts contents such as video, photo, voice into business cards via mobile devices in anywhere, anytime. Also, this business card system follows the vCard format, which is a file format standard for personal data interchange. Finally, we provide with content-based business card retrieval using video and photo inserted into business cards. Thus, this paper proposes the hybrid business card system, which is satisfied to produce business cards expressed individuality and follows the vCard format.

• Journal of Digital Contents Society
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• v.14 no.1
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• pp.81-88
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• 2013

The increase of the smartphone users has popularized the mobile payment and the mobile credit card users are rapidly getting increased. The mobile credit cards that currently used provide its users with the service through downloading mobile credit card information into USIM. The mobile credit card saved in USIM has the minimized information for the security and is based on PKI. However certificate-based payment system has a complicated procedure and costs a lot of money to manage the certificates and CRL(Certificate Revocation List). Furthermore, It can be a obstacle to develop local e-commerce in Korea because it is hard for foreigners to use them. We propose the secure and efficient mobile credit card payment protocol based on certificateless signcryption which solve the problem of certificate use.

• Journal of Digital Convergence
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• v.18 no.4
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• pp.149-161
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• 2020

This paper aims to explore the question of whether the environment in Korea where credit card use is prevalent affects the intention to accept Fintech-based mobile payment. The institution that encourages the credit card use such as credit card receipt obligation may lead to the lock-in and build infrastructures to influence the acceptance of new payment acceptance. This paper investigates how the perceived of use, usefulness, accessibility and stability affect the intention to use mobile payment based on the Technology Acceptance Model(TAM) model with the mediator of lock-in and moderator of credit card receipt obligation. In the results, we found that the perceived usefulness, perceived ease of use and accessibility positively impact on the intention of mobile payment usages. It is also observed that the usefulness and accessibility of credit cards positively mediate to the intention of mobile payment use.

• Journal of the Korea Society of Computer and Information
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• v.23 no.6
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• pp.59-66
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• 2018

Recently, the use of mobile payment, called "Pay" payment, is increasing such as 'KakaoPay' and 'SamsungPay'. In Korea, various mobile payment services are running and emerging. The purpose of this study is to examine the intention to switch from using existing credit cards or check card to mobile payment service based on the two-factor theory. We empirically examined the effect of the two factors, the factors that enable switching and the factors that inhibit switching. Therefore, the study use switching cost and switching benefit as parameters to confirm the effect on the switching intention. In addition, this study intends to analyze the differences between two subgroups by the degree of personal innovativeness. We survey smartphone users and credit card or check card users, and analyzed the Smart PLS 3.0 using structural equation model to verify the significance of the research hypothesis.

• The Journal of Society for e-Business Studies
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• v.20 no.3
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• pp.11-28
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• 2015

Due to the mobil-centered lifestyle following the wider use of Smartphones, Mobile services, including mobile banking and mobile shopping business have increased rapidly. Also with the emergence of "Fintech", which finance combined with technology, IT based financial market is going to be highly promising. In this trend, interests mobile credit cards are increasing. But diffusion of the mobile credit card services is still in the low level. In this situation, to identify factors that influencing satisfaction and continuous usage intention on mobile credit card, this study applied innovation diffusion theory (IDT) and post acceptance model (PAM). To conducting this research, survey data were collected, and we used SmartPLS to analyze survey data. As a result of the study, perceived easy of use, image, compatibility and facilitation positively affect user's satisfaction in mobile credit cards and that such satisfaction have a positive impact on continuous intention to use. The facilitation influences user satisfaction more strongly for those who use mobile credit cards more than plastic credit cards. Also, perceived of use and image influence user satisfaction more strongly for those who use plastic credit cards more than mobile credit cards. It is expected that this study can be a guideline for credit card service providers and policy makers to invigorate mobile credit card business. Also it worths as a early-stage research on Fintech-related studies.