• Proceedings of the IEEK Conference
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• 2004.08c
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• pp.592-595
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• 2004

Recently the numbers of patent about the technology for mobile payment with Ie or bluetooth-chip are being increased more and more. The reasons of patent increment for mobile payment are advancement of wireless internet technology and rising of customer's request for it. The customer wants to be able to pay for purchase, tax and aid with own mobile phone. So every mobile service provider applies for patents about that competitively. And in the near future the biometrics is generalized in the mobile payment system. Especially the payment service of iris recognition is significant technique in this area for the future prospect. The biometrics of iris is an accurate authentication method because it has about 250 distinguish parameters to the finger print's 30. The biometrics of iris can recognize and identify a person for 2 seconds. But the image of iris is changed by transformation of body in the life. And the existing iris authentication system has problem that can be miss-recognized. In this paper, we propose the new method that reduces miss-recognizing rate with Renewable Iris Authentication Algorithm(RIAA) in mobile system.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.23 no.6
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• pp.1007-1015
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• 2013

The automatic payment process of mobile phone micropayment system has not checked user's authentication. That is the structural vulnerability of mobile phone micropayment system. The malicious contents provider can cheat users and payment gateway through abusing the structural vulnerability. The payment gateway applies standard payment module after August, 2012 in order to solve the problem. But the standard payment module also has the vulnerability that makes damage of users. So the purpose of this paper is to suggest efficient improvement of standard payment module for user protection.

• Journal of Convergence Society for SMB
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• v.5 no.3
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• pp.15-20
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• 2015

There have been consumer needs for mobile payment system due to the rapid increase in the number of smartphones and the use of them. In tum, the market has been expanding as IT companies begin to participate in the mobile payment system business. Moreover, since the system supports better services not only covering payment service but also interworking with various apps in devices, it has been maximizing the consumer convenience. Although the convenience increased due to the mobile payment system, the vulnerability in security also increased; and smartphone users have been afraid of using the mobile payment system. This study is to examine Samsung Pay and Apple Pay, to present the vulnerability, and to suggest a countermeasure.

• Management & Information Systems Review
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• v.35 no.3
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• pp.23-36
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• 2016

As a new alternative to cash and credit-cards, mobile payment has been attracting world's attention. Although fin-tech, a mobile payment system provider, has been a rising issue, mobile payment systems is not yet widely used domestically. Because trust is the most important element in revitalizing the mobile payment system, we hoped to develop a hierarchical trust model to analyze the multi-dimensional trust factor. In this study, surveys were conducted to identify the components that affect the overall trust of a mobile payment system. It has been concluded that cognitive trust, affective trust, trust in system quality affect the overall trust of the system, and this trust affects the continuance intention of users.

• 한국경영정보학회:학술대회논문집
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• 2007.06a
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• pp.646-651
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• 2007

Secure digital payment is critical in the successful shaping of global digital business. Digital payments are increasingly being used as a substitute to traditional payments, contributing markedly to the efficiency of the economy. The focus of every digital business transaction is to minimize risks arising from transactions. It is essential to ensure the security of digital payment whether used in internal networks or over wireless Internet. This paper analyses secure digital payment methods from the viewpoint of systemic security and transaction security. According to comparative analysis of digital payment models, this paper proposes a comparative analysis framework to investigate and evaluate secure digital payment. In conclusion, the comparative analysis framework, comparison of digital payment models and mobile payment models proposes a useful academic and practical foundation to enhance the understanding of secure digital payment methods. It also provides academic background and practical guidelines for the development of secure digital payment systems.

• Knowledge Management Research
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• v.18 no.4
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• pp.213-235
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• 2017

In the rapidly changing business and economic environment, environment-equipped appropriate capacities should be used to adapt to the changing environment and the smart environment. First of all, it is important for the company to understand what kind of acceptance attitude it shows according to the consumers' tendency toward the mobile convenient payment system that users are increasing and deal with it accordingly. In order to analyze the market according to the individual personality factors of consumers, a model based on the integrated technology(UTAUT) and the regulatory focus suitable for the mobile environment was constructed and analyzed with the structural equation through PLS. As a result of analysis, it was found that neuroticism, openness to experience, and conscientiousness among consumer personality factors had a significant influence on accommodating the mobile convenient payment system according to the tendency of promotional focus. This study provides a direction for establishing a mobile convenient payment system for smart environment through data analysis of the propensity and personality of consumers from the viewpoint of knowledge management.

• ETRI Journal
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• v.39 no.1
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• pp.135-144
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• 2017

Recently, mobile phones have been recognized as the most convenient type of mobile payment device. However, they have some security problems; therefore, mobile devices cannot be used for unauthorized transactions using anonymous data by unauthenticated users in a cloud environment. This paper suggests a mobile payment system that uses a certificate mode in which a user receives a paperless receipt of a product purchase in a cloud environment. To address mobile payment system security, we propose the transaction certificate mode (TCM), which supports mutual authentication and key management for transaction parties. TCM provides a software token, the transaction certificate token (TCT), which interacts with a cloud self-proxy server (CSPS). The CSPS shares key management with the TCT and provides simple data authentication without complex encryption. The proposed self-creating protocol supports TCM, which can interactively communicate with the transaction parties without accessing a user's personal information. Therefore, the system can support verification for anonymous data and transaction parties and provides user-based mobile payments with a paperless receipt.

• The Journal of the Korea Contents Association
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• v.19 no.5
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• pp.194-204
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• 2019

The mobile payment app market has been expanding recently. However, the usage rate of mobile payment apps is not meeting service providers' expectations due to concerns about security and privacy. This study investigated how personal predisposition and how the security signals of the payment app affect users' perceived privacy and security risks, and how these factors ultimately affect the trust of mobile payment apps. The results showed that privacy concerns increase the risk of perceived personal information leaks and reduce perceived mobile system security, while familiarity, perceived reputation, and assurance seal reduce the risk of perceived personal information leaks and increase perceived mobile system security. Finally, it revealed that the reduced risk of perceived personal information leaks and the increased security of mobile systems had a positive impact on the reliability of mobile payment apps.

• The Journal of the Institute of Internet, Broadcasting and Communication
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• v.11 no.2
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• pp.171-179
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• 2011

In these days, various wireless internet services are possible since the advanced wireless networks enable to transfer more data than before and smarter devices have developed to display the multimedia information more efficiently. Therefore, Korean MIPS such as SKT and LGT provide many kinds of advanced services such as wireless on-line shopping, mobile banking system and etc using 2.5 generation wireless network technology and smartcards. In a transportation system, a cellular phone can be used as a useful payment tool since most people always keep it and a mobile payment system has developed as infrastructure for wireless on-line services. In this paper, a mobile transportation payment system is introduced. A driver needs to pay a toll fee when he/she uses the highways. Recently, a high pass system has introduced, in which a vehicle can pass a toll gate without stopping to pay the fee to a counter. The payment is done automatically by an attached payment device. We have developed an advanced mobile system in which a smartcard embedded cellular phone is used as a payment device. The personnel and financial information is stored at a smartcard and the communication between the phone and OBU(On Board Unit) is done by Bluetooth.

• International Journal of Contents
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• v.15 no.4
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• pp.82-88
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• 2019

The purpose of this study was to investigate the key factors that influence consumers' preference for mobile payment in China. China has been quietly experiencing a third technological revolution that has markedly changed the way of life for its people. We used the structural equation modeling with 573 Chinese people to investigate the mobile-payment system in China based on the technology acceptance model. We found that factors such as value of service, security, convenience, and perceived usefulness have an impact on consumer satisfaction, and that satisfaction supports consumer purchasing. Also, it is possible to conclude that this proven instrument will assist researchers to further develop and refine mobile-payment research models.