• Journal of Korea Society of Digital Industry and Information Management
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• v.6 no.4
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• pp.131-142
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• 2010

Due to the development of the Internet, Internet banking that we are liberated from time and space has evolved into banking system. So modern life became comfortable. However, Dysfunction (malicious Information leakage and hacking etc.) of the Internet development has become a serious social problem. According to this, The need for security is rapidly growing. In this paper, we proposed the Internet Banking Authentication System using a dual-channel in OTP(One Time Password) authentication. This technology is that A user transfer transaction information to Bank through one Internet channel then bank transfer transaction information to user using the registered mobile phone or smart phone. If user confirm transaction information then bank request user's OTP value. User create OTP value and transfer to bank and bank authenticate them throgth the ARS. If authentication is pass then transaction permitted. Security assessment that the proposed system, the security requirement that the confidentiality and integrity, authentication, repudiation of all of the features provide a key length is longer than the current Internet banking systems, such as using encryption, the security provided by the Financial Supervisory Service Level 1 rating can be applied to more than confirmed.

• Journal of KIISE:Databases
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• v.31 no.3
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• pp.297-306
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• 2004

Push-based broadcasting in wireless information services is a very effective technique to disseminate information to a massive number of clients when the number of data items is small. When the database is large, however, it nay be beneficial to integrate a pull-based (client-to-server) backchannel with the push-based broadcast approach, resulting in a hybrid data delivery. In this paper, we analyze the performance behavior of a predeclaration-based transaction processing, which was originally devised for a push-based data broadcast, in the hybrid data delivery through an extensive simulation. Our results show that the use of predeclaration-based transaction processing can provide significant performance improvement not only in a pure push data delivery, but also in a hybrid data delivery.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.26 no.1
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• pp.177-185
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• 2016

As the fintech industry is growing at an incredible rate, mobile phones are positioned as the most important tool for financial transaction. However, with a rising number of malware applications, the types of attack and illegal access to mobile device are becoming more diverse and sophisticated. This paper studies the potential keylogger attack by exploiting the Accessibility Service in Android framework. This type of attack allows the malicious individual to use keylogger on the victim's Android mobile phone to steal passwords during mobile financial transaction regardless of security keypad setting. Lastly the paper proposes solutions to counter these types of attack by verifying the accessibility usage and amending the application guideline for accessibility.

• Journal of KIISE:Databases
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• v.33 no.1
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• pp.69-85
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• 2006

Broadcast has been often used to disseminate the frequently requested data efficiently to a large volume of mobile clients over a single or multiple channels. Conventional concurrency control protocols for mobile transactions are not suitable for the wireless broadcast environments due to the limited bandwidth of the up-link communication channel. In wireless broadcast environments, the server often broadcast different data items with different frequency to incorporate the data access patterns of mobile transactions. The previously proposed concurrency control protocols for mobile transactions in wireless broadcast environments are focused on the mobile transactions with uniform data access patterns. However, these protocols perform poorly when the data access pattern of update mobile transaction are not uniform but skewed. The update mobile transactions with skewed data access patterns will be frequently aborted and restarted due 4o the update conflict of the same data items with a high access frequency. In this paper, we propose an energy-efficient concurrence control protocol for mobile transactions with skewed data access as well as uniform data access patterns. Our protocol use a random back-off technique to avoid the frequent abort and restart of update mobile transactions. We present in-depth experimental analysis of our method by comparing it with existing concurrency control protocols. Our performance analysis show that it significantly decrease the average response time, the amount of upstream and downstream bandwidth usage over existing protocols.

• The Journal of Information Systems
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• v.17 no.3
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• pp.153-174
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• 2008

Mobile commerce is defined as any direct or indirect transaction conducted and facilitated through a wireless telecommunication network such as payment, ticketing, auction and mobile banking. Despite the importance of mobile commerce, there have not been so many academic studies on the unique characteristics of mobile commerce environments. In this study, our research model is developed based on TAM(Technology Acceptance Model) to investigate the user's technology acceptance process in mobile commerce environment. The factors, such as ubiquity, compatibility, perceived usefulness, perceived ease of use, cost, security, attitude and behavior intention for mobile commerce were selected from pier study in information systems area. The data for empirical analysis of the research model is collected online-questionnaire of 167 mobile commerce users in South Korea. The hypotheses were analyzed using SPSS 15.0 and AMOS 7.0. The results of our study show that: (1) compatibility, perceived usefulness and security had influences on the attitude whereas perceived ease of use and cost did not have any significant impact on the attitude, (2) compatibility influenced perceived usefulness whereas perceived ease of use did not, and finally (3) ubiquity, perceived usefulness and attitude had considerable influences on intention for mobile commerce. Therefore, practitioners should focus on enhancing security, quality of contents and services as well as offering what mobile commerce users want. The results of this study may useful for academicians and practitioners alike.

• The Research Journal of the Costume Culture
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• v.27 no.6
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• pp.666-680
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• 2019

Prevalent usage of mobile devices among consumers has been well recognized and this is especially imperative among young adult consumers. The mobile phone became the gateway of their communication, media consumption, retail transaction, education, and (virtual) social life. However, there is little empirical research explaining the dynamics behind the psychological underpinning of young adult consumers, specifically Generation Y, to understand their usages and dependency on mobile phones. This study, therefore, aims to unveil antecedents and consequences of Gen Y consumers' mobile phone dependency from a media psychological perspective. We developed a conceptual model based on theory of self-monitoring (Snyder 1974, 1987), extended self-concept (Belk, 1988), and media dependency theory (Ball-Rokeach & Defluer, 1976). Four hundred ninety-eight students in the U.S. provided usable responses to our pencil-and-paper survey. Causal modeling analysis results demonstrated that both ability to modify one's behavior and sensitivity to cues for social appropriate behavior dimensions of the self-monitoring tendency positively predicted one's level of fashion involvement, which in turn positively predicted his/her mobile phone dependency. Individual's mobile phone dependency, fashion involvement and self-monitoring's ability dimension exhibited positive and direct impact on one's perception of the salience of mobile phone case product attributes. Based on the findings, we provided pragmatic and theoretical implications for the industry and academia.

• The Journal of Information Systems
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• v.15 no.4
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• pp.99-124
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• 2006

The development of IT has made it possible to use various terminal systems for financial transaction and demands for financial survices are getting more and more diversified at the same time. Among others, mobile banking service market based on IC chips has been expanded its service areas and the number of mobile banking users has been increased. The study analyzes and tests the dynamic effects of the inflow of potential customers on mobile banking market condition by using system dynamics methodology to identify the dynamic structure of mobile banking market. The simulation model is designed to track the variation in the number of subscribers of mobile banking servides according to two scenarios, and the results are as follows; First the effect of word of mouth by customers who have used the service already is significant. The satisfactory level of early adopters is reflected in WOM, and as a test result shows, increase in word-of-mouth causes the growth of potential customers' demands for mobile banking service. Second, perceived attractiveness of mobile banking service market is another important construct. Factors such as convenience, mobility, time saving, security, and various services explain the construct perceived attractiveness of the service, and it makes the potential customers adopt the service, causing the increase of demands.

• Journal of the Korean Society for information Management
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• v.34 no.3
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• pp.89-107
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• 2017

This study aims to compare information seeking behavior of 1300K users on PC and mobile phone. Transaction logs of 1300K, a major Korean shopping search engine, were analyzed. These transaction logs were collected over 1 month period, from April 1 to April 31, 2016. The results of this study show that there are a little more mobile sessions than PC sessions. Users conducted slightly more browsing on PCs than mobile phones, whereas users submitted queries more than two times on mobile phones than on PCs. Users clicked more search results on PCs than mobile phones, whereas users made important decision makings such as product purchases more on mobile phones than PCs. Top queries and categories were similar between PCs and mobile phones. Queries and categories on mobile phones were more focused than queries on PCs. Overall, mobile search behavior is more simple, passive, and focused than PC search behavior. The results of this study can be implemented to the effective improvement and development of search services for different devices.

• Venture DIGEST
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• s.109
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• pp.47-47
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• 2007

솔루션 개발 중에서 Payment 분야의 OLTP(Online Transaction Processing) 및 정산 개발, Payment 기술을 활용한 Mobile Payment 솔루션 개발에 전력을 모으는 그린씨엔티(대표 심재범)는 지난 2006년에 창업한 신생기업이다. 하지만 신생기업 답지 않은 기술력과 전략으로 전문기업으로 성장하고 잇는 그린씨엔티를 방문했다.

• Proceedings of the Korean Information Science Society Conference
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• 2007.06a
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• pp.11-12
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• 2007