• Journal of the Korea Institute of Information Security & Cryptology
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• v.20 no.6
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• pp.67-81
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• 2010

As wide propagation of smartphones, e-commerce with smartphones increases rapidly. Such as transfer or stock trade systems. It has prospect that most of financial companies going to offer e-commerce systems via smartphones. And e-commerce via smartphones will be increased, hence the nature of smartphone that can be used whenever, wherever. However, legislation of e-commerce in Korea does not reflect these characteristics of smartphones, because it has set standards in regular PC. So that this study is security threat and feature of smartphones considering that the current legal system will use Certificate constraints, ensuring the safety of e-commerce and install security programs for protection of users, e-commerce responsible for the accident analysis has focused on the issues presented for this improvement.

• Information Systems Review
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• v.14 no.3
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• pp.75-97
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• 2012

Fostering trusting belief in financial transactions is a challenging task in Internet banking services. Authenticated Certificate had been regarded as an effective method to guarantee the trusting belief for online transactions. However, previous research claimed that this method has some loopholes for such abusers as hackers, who intend to attack the financial accounts of innocent transactors in Internet. Two types of methods have been suggested as alternatives for securing user identification and activity in online financial services. Control transparency uses information over the transaction process to verify and to control the transactions. Outcome feedback, which refers to the specific information about exchange outcomes, provides information over final transaction results. By using these two methods, financial service providers can send signals to involved parties about the robustness of their security mechanisms. These two methods-control transparency and outcome feedback-have been widely used in the IS field to enhance the quality of IS services. In this research, we intend to verify that these two methods can also be used to reduce risks and to increase the security protections in online banking services. The purpose of this paper is to empirically test the effects of the control transparency and the outcome feedback on the risk perceptions in Internet banking services. Our assumption is that these two methods-control transparency and outcome feedback-can reduce perceived risks involved with online financial transactions, while increasing perceived trust over financial service providers. These changes in user attitudes can increase the level of user satisfactions, which may lead to the increased user loyalty as well as users' willingness to pay for the financial transactions. Previous research in IS suggested that the increased level of transparency on the process and the result of transactions can enhance the information quality and decision quality of IS users. Transparency helps IS users to acquire the information needed to control the transaction counterpart and thus to complete transaction successfully. It is also argued that transparency can reduce the perceived transaction risks in IS usage. Many IS researchers also argued that the trust can be generated by the institutional mechanisms. Trusting belief refers to the truster's belief for the trustee to have attributes for being beneficial to the truster. Institution-based trust plays an important role to enhance the probability of achieving a successful outcome. When a transactor regards the conditions crucial for the transaction success, he or she considers the condition providers as trustful, and thus eventually trust the others involved with such condition providers. In this process, transparency helps the transactor complete the transaction successfully. Through the investigation of these studies, we expect that the control transparency and outcome feedback can reduce the risk perception on transaction and enhance the trust with the service provider. Based on a theoretical framework of transparency and institution-based trust, we propose and test a research model by evaluating research hypotheses. We have conducted a laboratory experiment in order to validate our research model. Since the transparency artifact(control transparency and outcome feedback) is not yet adopted in online banking services, the general survey method could not be employed to verify our research model. We collected data from 138 experiment subjects who had experiences with online banking services. PLS is used to analyze the experiment data. The measurement model confirms that our data set has appropriate convergent and discriminant validity. The results of testing the structural model indicate that control transparency significantly enhances the trust and significantly reduces the risk perception of online banking users. The result also suggested that the outcome feedback significantly enhances the trust of users. We have found that the reduced risk and the increased trust level significantly improve the level of service satisfaction. The increased satisfaction finally leads to the increased loyalty and willingness to pay for the financial services.

• The Journal of Society for e-Business Studies
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• v.6 no.3
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• pp.101-113
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• 2001

Security is very important in EC(Electronic Commerce) environment because exchanged information(that is transaction details, private data, charges data(card-no, accounts), etc) is various and is very sensitive. So, In this paper, we propose Secure-ReXpis(Reliable St excellent Xh3 Processing Infrastructure) System that transfer message and support Message Level Security(Encryption/Decryption and Digital Signature). And we implement Message Confidentiality Service, User Authentication ＆ Message Integrity Service and Non-Repudiation Service among the various Security Services. This system support XML message format and EDI message, WEB Data and Private Format Data, etc.

• International Commerce and Information Review
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• v.1 no.2
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• pp.229-247
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• 1999

Where a paper document, a manual signature, or negotiability is required in statute, then solutions must be found through a change in the law. However, where the problem originates in commercial usage, then the solution can be easier, and speedy. Certainly, nearly all of the functions that paper document provides can be equally, or better, satisfied by electronic means. That is, Electronic Commerce(EC), which has been increasing rapidly and is a new type of transaction, may be hindered by legal obstacles to use of Electronic Message, or by uncertainty to its legal effect and validity. Therefore, it is important to sustain legal effect to Electronic Message for the prosperity of EC The one of solutions is to use reliable Electronic signature system by Certification Authority to verify the authenticity of Electronic Message.

• Journal of the Korea Safety Management & Science
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• v.6 no.3
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• pp.161-174
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• 2004

The existing PKI authentication structure uses the OCSP method. The primary task of OCSP is to verify the status of a transaction after verifying the validity of the certificate; but, because of continuing policy changes and updates within the PKI authentication method, the status of certificates and the structures are not consistent. Therefore, the SCVP method can be selected as the broadest method for completing authentication tasks accurately because the SCVP method includes validation of policy changes. An appropriate method for building an mobile environment within the capabilities of low-memory and reduced processing CPU needs to be assessed and developed. This thesis proposes a verification method that is independent of platform and applicable to any 05 in building and expanding the mobile environment.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2009.10a
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• pp.359-362
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• 2009

Qualified certificates in online financial and security transaction area are currently used for authentication of the user. The authorized user's public key certificates are stored in binary; the private key corresponding to the user's public key certificates is encrypted by the user password, and then is stored in a file. But the present management system to access the public certificates in local has some problems. In this study, we propose that the mobile public certificate management application to avoid the exist problems.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.30 no.2
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• pp.243-252
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• 2020

Recently, the proportion of housing lease has been increasing to an overwhelming level in line with the increase of single-person households and the change in the form of housing. In the normal case, the use of rental-type housing is subject to a housing lease agreement through a licensed real estate agent. In the event of a transaction conclusion, licensed real estate agent shall issue a contract containing the personal information of the lessee, the renter, and the licensed real estate agent to the transaction party. In this case, it is necessary for the lessee to provide the contract to a third party. This paper analyzes relevant laws and regulations and the status of housing transactions, focusing on personal information processed between offline housing lease agreements. And when issuing a contract through IRTS, we propose a way to protect personal information by providing a third party in three forms: information Data Subject-based, Purpose of usage-based De-identification, and Certificate of Contract.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.20 no.2
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• pp.289-298
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• 2016

Though, thanks to NPKI(National Public Key Infrastructure), the Korean secure Internet transaction environment has been rapidly grown in the last decade, it also faces with several problems, which need to be solved in near future, mainly resulted from the lack of openness and compatability of the NPKI-based environment which is operating in a closed way. It is believed that those problems of the NPKI can be solved when it is implemented to be based on the SSL/TLS, an international standard for web-based secure Internet transactions. The transition to the SSL/TLS-based NPKI needs to be performed so that the advantages of current NPKI are well maintained. The purpose of this paper is to comparatively analyze the NPKI and the SSL/TLS so as to give basic idea of implementing the current NPKI to be based on the SSL/TLS. The analysis will show not only how the SSL/TLS-based NPKI can improve current NPKI but also how the advantages of current NPKI can be maintained by the SSL/TLS-based NPKI.

• THE INTERNATIONAL COMMERCE & LAW REVIEW
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• v.15
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• pp.211-238
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• 2001

This article discusses and analyses several issues regarding to the Electronic Signature and the Electronic Certification. The objects of the analyse are the each paragraphs of the Korean Electronic Signature Act of 1999 and that of the Korean Electronic Transaction Basic Act of 1999 in comparing to the paragraphs of the Electronic Signatures in Global and National Commerce Act' (E-Sign) of 2000, U.S.A. and that of the Draft UNCITRAL Model Law on Electronic Signature of 2000. The main issues discussed herein are the scope of the electronic signature, the definition of the electronic signature, permission of services to the non-authorized certification service providers, the effect of the electronic signature, the liability of the concerning parties of the electronic signature including liability of the certification service providers, that of the subscribers and that of the relying parties. This paper also discusses the problems of the possibility of issuing the electronic negotiable commercial papers, the validity of the electronic signatures done by electronic agents, the authority certificate, mutual certification of the foreign certification service providers, the permission of the electronic notary service, the problems of the consumer protection and the possibility of issuing electronic insurance policy, etc. The writer concludes by suggesting some measures that will activate the use of electronic signatures under the korean circumstances.

• Journal of the Korea Society of Computer and Information
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• v.25 no.3
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• pp.81-88
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• 2020

The Renewable Portfolio Standard(RPS) which is in operated by country for many years is eco-friendly energy business. Although a variety of institute are accessing the RPS, it consists of a centralized system. Also, it shows opacity of data access in user's point of view. And each institutes is possessing their own data collected by themselves. Therefore decentralization and integrated control is demanded. Also, when institutes are attacked, the interruption of RPS can be existed. For resolving this issue, this study proposes the RPS using blockchain. Using the consortium method of blockchain, every institutes has possessing same data inserting REC data in block data, it is resolvable that transparency and security issue as transaction through verification of certain block. Furthermore, in case of one institute is paused by external attack, the role can be replaced by other institutes. This study tried the processing of putting data through ethereum network, therefore it presents the possibility of introducing the blockchain method in RPS.