• Journal of Digital Convergence
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• v.4 no.2
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• pp.127-142
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• 2006

This paper uses a Mobilans case based on software system to derive the results of our study. Recently, the mobile phone payment entered its matured stage and became most frequently used payment method in all internet sites. And, in order to prepare for the future ubiquitous market, every mobile phone payment methods has different speed of development, market status and target segments in the market. This paper also discusses about the background and current status of Korean mobile phone payment market using SMS(Short Message Service) to purchase items on internet which is growing sharply every year. Also, we try find the key factors to succeed in this growing market. In addition to safety, delayed payment and the immediateness for use of mobile phone, we also suggest that a highly developed hardware system is an additional factor under the increased demands for the convenience with various applications.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.10 no.6
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• pp.1237-1244
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• 2009

In this paper, we proposed a mobile phone payment system using light signal containing payment related information. The digicard system we proposed creates virtual mobile card such as credit numbers and the created information is loaded in mobile phone. The virtual card information should be changed to pulse signal by light signal devices of mobile phone and the specific digicard system reader is able to read light signal. In recent years, a mobile phone payment system has been developed in order to provide user's convenience. But the mobile phone payment system has problems such as the production costs and complex and large size. In order to solve the aforementioned problems, we proposed mobile phone payment system being implemented by updating software without additional hardware modules. Therefore it is possible to apply the proposed digicard system to all kinds of mobile phone. Also encryption module is implemented to solve the problem of the security and privacy. According to an aspect of the present invention, there is provided a mobile phone payment system using a light signal containing payment-related information, comprising: a mobile phone; a photo receiver: and a control server.

• 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 the Korea Academia-Industrial cooperation Society
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• v.17 no.7
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• pp.319-325
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• 2016

A variety of services for mobile payments by the activation of FinTech have been developed. Various payment methods were developed, and an authentication method was developed to improve the reliability of the payment. On the other hand, when mobile easy payment services are used, they have weak security because the authentication by phone number. Therefore, this paper proposes a technique for increasing the reliability of the authentication process using the unique device ID of the mobile device to improve the authentication process based on the telephone number. The core research contents are the architecture and process for the authentication of mobile payments based on the mobile device ID. The mobile payment architecture consists of a mobile device, authentication service, and mobile payment application. The mobile device consists of mobile device ID and phone number, and the authentication server consists of authentication module and encryption module. The mobile payment service consists of a pre-authentication module and decryption module. The process of mobile payment service is processed by the encrypted authentication information (device ID, phone number, and authentication number) among mobile devices, authentication server, and mobile payment application. The mobile device sends the telephone number and the device ID to the authentication server and the authentication server authenticates the user through an authentication process and encryption process. The mobile payment application performs the pre-authentication process by decrypting the received authentication number. This paper reports a difference that can prevent the risk of leakage of the authentication number in existing payment services through the authentication process of the authentication server and the pre-authentication process of the mobile payment service of this paper.

• Journal of Korea Multimedia Society
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• v.13 no.11
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• pp.1687-1697
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• 2010

The USIM-based AKA authentication process is essential to a mobile payment system on smart phone environment. In this paper a payment protocol and an AKA module are designed for mobile payment system which is suitable for openness smart phone environment. The payment protocol designs the cross authentication among components of the mobile payment system to improve the reliability of the components. The AKA module of mobile payment system based on 3GPP-AKA protocol prevents the exposure of IMSI by creating the SSK(Shared Secure Key) through advance registration and solves the SQN(SeQuence Number) synchronization problem by using timestamp. Also, by using the SSK instead of authentication vector between SN and authentication center, the existing bandwidth $(688{\times}N){\times}R$ bit between them is reduced to $320{\times}R$ bit or $368{\times}R$ bit. It creates CK and IK which are message encryption key by using OT-SSK(One-Time SSK) between MS and SN. In addition, creating the new OT-SSK whenever MS is connected to SN, it prevents the data replay attack.

• 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.

• Journal of KIISE:Computing Practices and Letters
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• v.12 no.6
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• pp.367-378
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• 2006

A mobile phone has became as a payment tool in e-commerce and on-line banking areas. This trend of a payment system using various types of mobile devices is rapidly growing, especially in the Internet transaction and small-money payment. Hence, there will be a need to define its standard for secure and safe payment technology. In this thesis, we consider the service types of the current mobile payments and the authentication method, investigate the disadvantages, problems and their solutions for smart and secure payment. Also, we propose a novel authentication method which is easily adopted without modification and addition of the existed mobile hardware platform. Also, we present a simple implementation as a demonstration version. Based on virtual machine (VM) approach, the proposed model is to use a pseudo-random number which is confirmed by the VM in a user's mobile phone and then is sent to the authentication site. This is more secure and safe rather than use of a random number received by the previous SMS. For this payment operation, a user should register the serial number at the first step after downloading the VM software, by which can prevent the illegal payment use by a mobile copy-phone. Compared with the previous SMS approach, the proposed method can reduce the amount of packet size to 30% as well as the time. Therefore, the VM-based method is superior to the previous approaches in the viewpoint of security, packet size and transaction time.

• Journal of Internet Computing and Services
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• v.21 no.5
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• pp.87-95
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• 2020

Highly competitive environment has been forcing e-commerce industries to seek strategies to achieve competitive advantages. Mobile payment is a kind of service that allows mobile phone user to easily and conveniently initiate payments and transfer funds using their mobile phone anytime, and anywhere. This study is designed to identify factors that affect the intention of continued use of mobile payment services between users in Korea and Laos. As a result, first, in the case of Korean consumers, system quality, information quality and service quality were shown to have a positive effect on trust and satisfaction. In addition, trust and satisfaction were shown to have a positive effect on continuance intention. Second, in the case of Laotian consumers, system quality and service quality were shown to have a positive effect on trust, and system quality and information quality were shown to have a positive effect on satisfaction. In addition, trust and satisfaction were shown to have a positive effect on continuance intention. The study has its implications by analyzing factors affecting the continuance intention with the comparison of the customers from a developed nation and a developing nation, providing a direction of development for developing competitive advantages for those in development. For the developed, the study provides a guideline of what to modify and supplement in cases of entering the markets of developing nations.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2014.05a
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• pp.207-210
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• 2014

Damage is increasing by (Smishing) hacking attack Smishing you use a smart phone after entering 2013. Takeover of personal information and direct financial damage in collaboration with graphics sewing machine hacking attack has occurred. Monetary damage that leads to Internet payment service (ISP) and secure payment system in conjunction with graphics sewing machine hacking attack on a smartphone has occurred. In this paper, I will study analysis in the laboratory examples of actual infringement vinegar sewing machine hacking attack. It is a major power security measures to prevent damage to the secure payment system that a case analysis and practical principle technical nest sewing machine hacking attack, using Smishing. In this paper, I will be to research to be able to through a smart phone, to the online payment safer and more convenient.

• The Journal of the Korea institute of electronic communication sciences
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• v.10 no.5
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• pp.607-614
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• 2015

In this paper, we propose about NFC-based mobile Easy Payment System. Already announced about kind of similar payment system by use smart phone NFC function. However this proposition system will uses an encrypted token and user indirect authentication. This feature makes through to simplify payment without other input necessary information. Also my proposition system has easy security certification process. This mean my system does not adequately to use payment of a large amount. But in retail payment will be very useful payment system.