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Cryptographically-Generated Virtual Credit Card Number for Secure Card-Not-Present Transactions

  • Park, Chan-Ho;Park, Chang-Seop
    • KSII Transactions on Internet and Information Systems (TIIS)
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    • v.10 no.4
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    • pp.1864-1876
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    • 2016
  • Card-Not-Present (CNP) transactions taking place remotely over the Internet are becoming more prevalent. Cardholder authentication should be provided to prevent the CNP fraud resulting from the theft of stored credit card numbers. To address the security problems associated with CNP transactions, the use of a virtual card number derived from the transaction details for the payment has been proposed, instead of the real card number. Since all of the virtual card number schemes proposed so far are based on a password shared between the cardholder and card issuer, transaction disputes due to the malicious behavior of one of the parties involved in the transaction cannot be resolved. In this paper, a new virtual card number scheme is proposed, which is associated with the cardholder's public key for signature verification. It provides strong cardholder authentication and non-repudiation of the transaction without deploying a public-key infrastructure, so that the transaction dispute can be easily resolved. The proposed scheme is analyzed in terms of its security and usability, and compared with the previously proposed schemes.

A Study about Electronic Commerce System of Real Estate for Activation of Real Estate Transaction (부동산 거래 활성화를 위한 전자거래 시스템에 관한 연구)

  • Kim Young-Sun
    • Management & Information Systems Review
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    • v.18
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    • pp.21-40
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    • 2006
  • The activation of an Real Estate transaction that be necessary correspond the user need of Internet suitably for be able to become safe and quick transaction of Real Estate transaction. We have been changed into a buyer center in the market of the while of a shalesman center that The taste of an immovable property buyer is various today. The area range of an Real Estate brokerage that take charge of real estate brokerage business have been reduced gradually that take the influence on Implementation of an Real Estate information system. The age of change of the environment which is bring the change of the mode of an real estate transaction that are leading the change of an Real estate circulation market. The paper is design for implementation of real estate transaction system that lead the period of new Internet and the purpose to accomplish the activation of an immovable property information system that offer an real estate service information

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Probabilistic Graphical Model for Transaction Data Analysis (트랜잭션 데이터 분석을 위한 확률 그래프 모형)

  • Ahn, Gil Seung;Hur, Sun
    • Journal of Korean Institute of Industrial Engineers
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    • v.42 no.4
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    • pp.249-255
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    • 2016
  • Recently, transaction data is accumulated everywhere very rapidly. Association analysis methods are usually applied to analyze transaction data, but the methods have several problems. For example, these methods can only consider one-way relations among items and cannot reflect domain knowledge into analysis process. In order to overcome defect of association analysis methods, we suggest a transaction data analysis method based on probabilistic graphical model (PGM) in this study. The method we suggest has several advantages as compared with association analysis methods. For example, this method has a high flexibility, and can give a solution to various probability problems regarding the transaction data with relationships among items.

Password Authentication and Transaction Confirmation Method Using Secret Puzzle on Mobile Banking (모바일 뱅킹에서 비밀퍼즐을 이용한 비밀증명방법과 거래승인방법)

  • Maeng, Young-Jae;Nyang, Dae-Hun;Lee, Kyung-Hee
    • Journal of the Korea Institute of Information Security & Cryptology
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    • v.21 no.1
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    • pp.187-199
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    • 2011
  • Securing user authentication and transaction continuation is very critical in mobile banking. Malicious software, which is installed in user's smart phone, can either steal user's password or induce user to confirm manipulated transaction by handling transaction resource. In this paper, we propose schemes, that are aimed to secure user's password or to secure transaction confirmation, based on the security and usability analysis of existing schemes.

The Relationship with Electronic Trust, Web Site Commitment and Service Transaction Intention in Public Shipping B2B e-marketplace (해운 B2B e-marketplace의 전자적 신뢰, 사이트몰입 및 서비스 거래의도와의 관계성)

  • Kim, Yong-Man;Kim, Seog-Yong;Lee, Jong-Hwan;Shim, Gyu-Yeol
    • Journal of Global Scholars of Marketing Science
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    • v.17 no.4
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    • pp.113-139
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    • 2007
  • This study aims to, looking from a standpoint of network, has investigated the shipping industry's B2B e-marketplace, the characteristics that can earn electronic trust from the users, and characteristics of the web-site. It has examined the mechanism whereby electronic trust be earned and how it affects web-site involvement and service transaction intention. Ultimately, The study attempts to make proposals whereby such trust can lead for a cooperative trading community in the shipping industry's B2B e-marketplace The Covalence structural equation modeling was designed and empirically tested for the shipping industry's B2B e-marketplace. The shipping industry employees were given questionnaires and data were analyzed. Except for perceived security of the three characteristic factors on the web-site, the perceived site quality and characteristics factors in operation only affected co-variables. Transaction Fairness was determined to be the most important factor among exogenous factors increasing electronic trust. With regards to transaction rules, if a transaction is beneficial only to one side, then no long term transaction will not take place. If the concerned parties properly recognize that transaction fairness is crucial to electronic transaction, then it will enormously contribute to successful operations of shipping e-marketplace. Also, Perceived efficiency in transaction also affects electronic trust. This reduces transaction costs and speeds up and simplifies the transaction process. It has reduced greater time and costs than existing off-line transaction, and would positively affect electronic trust. By making an open forum for participants to obtain information for transaction, they can gather useful information, and at the same time, the web-site operator can provide information, which, in turn, will increase electronic trust in electronic transaction. Furthermore, such formation of trust in electronic transaction influences shipping companies in such a way that they will want to continuously participate in the transaction, raising web-site involvement. The result of increased trust is that shipping companies in the future will do business with each other and form a foundation for continuous transactions amongst themselves. Consequently, the formation of trust in electronic transaction greatly influences web-site involvement and service transaction intention. The results of the study have again proved that in order to maintain continuous business relationship with the current clients, electronic trust in virtual space, which operates the shipping industry's B2B e-marketplace, is important for the interested parties.

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A Performance Enhancement of Java Card Virtual Machine with Multi-Transaction (다중 트랜잭션 기법을 이용한 자바 카드 가상 기계 성능 향상)

  • Noh, Tae-Heon;Lee, Dong-Wook;Jung, Min-Soo
    • Journal of Korea Multimedia Society
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    • v.12 no.1
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    • pp.41-49
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    • 2009
  • Smart Card is currently more popular in mobile communication, and smart card with java card platform becomes a standard choice. Java card has a problem that it gets lost working data when power is off. Transaction is the idea to solve a problem of data loss, but it accepts only one transaction process, and other transaction process need to hold until the current working transaction is finished. This might be a factor to drop the Java card's performance. In this paper, we define a rule of dual-lock which can run transaction at multiple transaction buffer as a method for a better java card performance, and we suggest this rule to improve a capability of transaction process. From this research, we are able to improve the data stability, reduce the java card transaction delay time, and get a higher processing speed of java card.

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Design and Implementation of a Reprocessing Transaction Model for Mobile Computing Environments (모바일 컴퓨팅 환경을 위한 재수행 트랜잭션 모델의 설계 및 구현)

  • 김동현;홍봉희
    • Journal of KIISE:Databases
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    • v.30 no.2
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    • pp.184-196
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    • 2003
  • Mobile transactions updating spatial objects are long transactions that can update independently local objects of mobile clients during disconnection. Validation based protocols that are well known to be appropriate for mobile transactions are required to abort a conflicted transaction in order to keep data consistent. Since abortion leads to cancel of all of tile updates, it is not desirable to use the abortion for resolving conflicts of mobile transactions. In this paper, we propose a reprocessing transaction model to resolve the update conflicts between mobile transactions without aborting them. We also design a mobile transaction server to support the reprocessing transaction and build a prototype of a mobile field system. The reprocessing transaction is a subtransaction of a newly committed mobile transaction and re-executes only conflicted objects with foreign conflicted objects. We also introduce a progressive reprocessing scheme to expose non-conflicted objects of the mobile transaction to other transactions in order to reduce starvation of reprocessing transactions.

A Recovery Scheme of Mobile Transaction Based on Updates Propagation for Updating Spatial Data (공간데이터를 변경하는 모바일 트랜잭션의 변경 전파 회복 기법)

  • Kim, Dong-Hyun;Kang, Ju-Ho;Hong, Bong-Hee
    • Journal of Korea Spatial Information System Society
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    • v.5 no.2 s.10
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    • pp.69-82
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    • 2003
  • Mobile transactions updating spatial objects are long transactions that update local objects of mobile clients during disconnection. Since a recovered transaction cannot read the write sets of other transactions committed before the recovery due to disconnection, the recovered transaction may conflicts with them. However, aborting of the recovered long transaction leads to the cancellation of all updates including the recovered updates. It is definitely unsuitable to cancel the recovered updates due to the conflicts. In this paper, we propose the recovery scheme to retrieve foreign conflictive objects from the write sets of other transactions for reducing aborting of a recovered transaction. The foreign conflictive objects are part of the data committed by other transactions and may conflict with the objects updated by the recovered transaction. In the scheme, since the recovered transaction can read both the foreign conflictive objects and the recently checkpoint read set, it is possible to reupdate properly the potentially conflicted objects.

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A Study on Electronic Transaction Records Management and Trusted Repositories (전자거래기록의 신뢰성 확보에 관한 연구 - TTPR을 중심으로 -)

  • Lee, So-Yeon;Seol, Moon-Won;Kim, You-Seung
    • Journal of Korean Society of Archives and Records Management
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    • v.12 no.2
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    • pp.181-205
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    • 2012
  • The study aims at providing an electronic transaction records management system based on the third party repository which do not have any interest in electronic transactions. This study reviews various articles and standards. It also discusses theoretical issues about electronic transactions and electronic transaction records. Complex characteristics of electronic transaction records are explored and management procedures are analyzed and divided into 5 stages by the life cycle and management bodies. Based on these discussions the study affirms that trustworthy third parties' interventions are essential to prevent and control potential conflicts of electronic transactions. It proposes a trustworthy electronic transaction record management system with the third party repository. Futhermore, it discusses evidence and management environment of electronic transaction records and provides cases of TTPR based on contract transaction and exchange transaction.

A Study on Improvement of Effectiveness Using Anomaly Analysis rule modification in Electronic Finance Trading (전자금융거래의 이상징후 탐지 규칙 개선을 통한 효과성 향상에 관한 연구)

  • Choi, Eui-soon;Lee, Kyung-ho
    • Journal of the Korea Institute of Information Security & Cryptology
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    • v.25 no.3
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    • pp.615-625
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    • 2015
  • This paper proposes new methods and examples for improving fraud detection rules based on banking customer's transaction behaviors focused on anomaly detection method. This study investigates real example that FDS(Fraud Detection System) regards fraudulent transaction as legitimate transaction and figures out fraudulent types and transaction patterns. To understanding the cases that FDS regard legitimate transaction as fraudulent transaction, it investigates all transactions that requied additional authentications or outbound call. We infered additional facts to refine detection rules in progress of outbound calling and applied to existing detection rules to improve. The main results of this study is the following: (a) Type I error is decreased (b) Type II errors are also decreased. The major contribution of this paper is the improvement of effectiveness in detecting fraudulent transaction using transaction behaviors and providing a continuous method that elevate fraud detection rules.