• Journal of Digital Convergence
• /
• v.13 no.12
• /
• pp.75-87
• /
• 2015

The current study examines whether consumers' perceived usefulness of and trust in the integrated mobile payments services positively influence consumer loyalty to the payments system as well as to the online shopping websites where they have used the payments system. Moreover, the study investigates the effects of individual characteristics and brand awareness of the provider of mobile payments on perceived usefulness and trust. Online survey was administered to consumers ranging in age from 20s to 40s. Data analysis reveals that as consumers' perceived usefulness of and trust in the mobile payments system positively influence consumer loyalty to mobile payments and shopping mall websites. The results of the study suggests that e-commerce's user interface design, particularly the transaction system, should receive greater attention as a basic web element of e-commerce building rather than a set of plug-ins or so.

• Journal of Family Resource Management and Policy Review
• /
• v.10 no.3
• /
• pp.23-43
• /
• 2006

The purpose of this study is to identify the types of consumer problems involving the use of online game services in Korea. This study analyzed the consumer damage cases by age and type that were reported to the Korea Consumer Protection Board (KCPB). The results of this study are as follows: The online game complaints varied by age. In the case of children, most complaints involved phone charging online game fees without parents' consent. There were similarities in the victimization of teens and children according to reason for complaint, handling result and type of damage. However, based on method of charging, mobile phone and credit card payments were causes in the case of teen victimization. Meanwhile, complaints among adults showed more complexity than the previous two groups such as cases relating to online game companies illegally seizing game items and game accounts, and charging fees for unused services caused by identity theft. By type of charging method, most complaints involved phone and mobile phone payments. According to the analysis result of online game victims, the monetary damage of consumers did not differ among socio-demographic variables such as age, residence, gender and occupation but there was difference in the method of charging. In the handling period, differences could be seen by age, year, gender and type of damage.

• International Journal of Computer Science & Network Security
• /
• v.24 no.3
• /
• pp.1-11
• /
• 2024

Payment systems are evolving, and this study examines how blockchain and AI improve online transactional security and service quality. The study examines micro and macro payment systems, compares online, and offline methods all over the world. The study also examines how blockchain and AI affect payment system security, privacy, and efficiency globally and rapidly digitizing economy. Digital payment methods are growing all over the world with high literacy and digital engagement, but they face challenges. The research highlights cybersecurity threats and the need to balance user convenience and security. It suggests blockchain and AI improve online payment services, supporting the policies for different countries. In this extensive research survey, we compare and evaluate the strengths and weaknesses of various payment systems, their practicality, and their robustness. This study also examines how technological innovations and payment systems interact to reveal how blockchain and AI could transform the financial sector. It seeks to understand how technology-enhancing service quality can boost customer satisfaction and financial stability in the digital age. The findings should help policymakers, financial institutions, and technology developers optimize online payment systems for a more secure and efficient digital economy.

• Journal of Information Technology Services
• /
• v.17 no.1
• /
• pp.155-170
• /
• 2018

This study examines a data-driven approach for software test automation at an online shopping site. Online shopping sites typically change prices dynamically, offer various discounts or coupons, and provide diverse delivery and payment options such as electronic fund transfer, credit cards, mobile payments (KakaoPay, NaverPay, SyrupPay, ApplePay, SamsungPay, etc.) and so on. As a result, they have to test numerous combinations of possible customer choices continuously and repetitively. The total number of test cases is almost 584 billion. This requires somehow automation of tests in settling payments. However, the record playback approach has difficulties in maintaining automation scripts due to frequent changes and complicated component identification. In contrast, the data-driven approach minimizes changes in scripts and component identification. This study shows that the data-driven approach to test automation is more effective than the traditional record playback method. In 2014 before the test automation, the monthly average defects were 5.6 during the test and 12.5 during operation. In 2015 after the test automation, the monthly average defects were 9.4 during the test and 2.8 during operation. The comparison of live defects and detected errors during the test shows statistically significant differences before and after introducing the test automation using the data-driven approach.

• Proceedings of the Korea Information Processing Society Conference
• /
• 2015.04a
• /
• pp.366-369
• /
• 2015

온라인 전자 상거래 시장은 인터넷의 발전과 그 편의성으로 인하여 지속적으로 시장 규모가 커지고 있다. 비대면 결제방식인 온라인 전자결제 방식은 오프라인 결제 방식에 비해 높은 수준의 안전성이 요구된다. 결제정보가 노출된다면 공격자는 타인의 결제정보를 이용하여 불법적인 결제가 가능할 것이다. 현재 사용되고 있는 온라인 결제 시스템들은 결제정보를 안전하게 전송하기 위한 프로토콜을 구성하고 있지만 실제 해킹을 통한 결제정보 유출로 인해 최근 몇 년간 다수의 금융사고들이 일어나고 있다. 본 논문은 Two-Session 결제 방식을 이용해 국내 온라인 결제 시스템을 보완하여 향상된 보안성으로 결제정보를 전송하여 결제정보의 유출을 예방하고 기존 시스템 대비 높은 사용자 편리성을 가지는 시스템을 제안한다.

• International Journal of Computer Science & Network Security
• /
• v.21 no.8
• /
• pp.317-326
• /
• 2021

This study aims to examine the factors that affect the intention of merchants to adopt mobile payments in Saudi Arabia. The underlying model used in the study is the technology acceptance model, which includes two factors: perceived ease of use and perceived usefulness. The effects of trust, cost, and compatibility are also examined because these are among the common factors used based on the literature. An online questionnaire was completed by 242 merchants in Saudi Arabia who had already adopted mobile payment services. A significant relationship was identified between perceived usefulness and compatibility in terms of merchants' intention to adopt mobile payment systems, while an insignificant relationship was identified with perceived ease of use, trust, and cost.

• The Journal of Asian Finance, Economics and Business
• /
• v.7 no.10
• /
• pp.323-328
• /
• 2020

This study aims to analyze the changes in purchasing decisions in conducting transactions using cash and digital payment systems. Cash payment systems are very different from digital payments because they no longer use banks as intermediaries for transactions. The scope of this study is to determine the differences that take place with purchasing decisions using digital payment systems with OVO Indonesia smart applications. By using the paired T-test sample test method and testing the regression class assumptions, it is expected we will document the comparison between cash and digital payment systems as regards changes in consumers' buying interest behavior towards goods. Data is obtained by purposive sampling using special characteristics for smart application users. The results show that digital payments are developing very quickly, but cash payments still dominate due to the unavailability of complete facilities and infrastructure to support digital payment systems other than in cities. This study illustrates that digital payments have not been able to completely change consumer buying behavior in large numbers, but the main finding in this study is an increase in the percentage of digital payment usage to the online market, due to the many conveniences provided in OVO smart applications.

• Information Systems Review
• /
• v.8 no.3
• /
• pp.65-80
• /
• 2006

This paper proposes a new infrastructure that supports divisible card payment where a combination of multiple credit cards can be used for a single purchase. The divisible card payment infrastructure modifies the existing payment system in two ways. First, the V-Card Manager(VCM) is added to the merchant side to handle the divisible card approval process from respective credit-card issuers. Second, the V-Card Agent(VA) is added to the customer side and generates a customized divisible card, called V-Card, based on the customer's preferences. This paper provides a customizing card payment method that supports divisible payments based on profits and preferences of customers.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
• /
• 2009.05a
• /
• pp.797-800
• /
• 2009

RFID enabled credit cards are becoming increasingly popular as contactless credit cards. We envision a future where RFID credit cards will be used for online shopping. RFID system has tremendous potential to render electronic payments more secure than normal credit cards. The word RFID enabled credit cards may bring in mixed passion, enthusiasm and perhaps even rage! This is partly paranoia and partly reality. The reality is that an intruder can read RFID cards without the user even noticing it. This brings in a zone of discomfort and leads to paranoia. Certain interactivity should exist to bring back this comfort to the user. This paper tries to make an effort in that direction. In this paper we propose mobile phone based architecture for secured electronic payments using RFID credit cards.

• The Journal of the Korea Contents Association
• /
• v.19 no.7
• /
• pp.376-383
• /
• 2019

In recent decades, China's economy has grown rapidly and two-dimensional bar code-based payments services have been activated. This is a model that will be introduced by developing countries that lack mobile payment infrastructure, and countries that are looking to leap into cashless societies are also drawing attention. Along with this, the existing CRM market is expanding around the mobile device called m-CRM, and research is active on the importance of collective use for online advertising and two-dimensional bar code-based payments services. Therefore, through this study, we have explored the concepts and status of online advertising and customer relationship management which using the two-dimensional bar code-based system, and designed and implemented the method and mobile application system to effectively disseminate transactional advertising information at the point of sale or at the point of share. We also presented an application approach to look at the direction of two-dimensional bar code-based ads contents sharing system and its development.