The Journal of the Convergence on Culture Technology (문화기술의 융합)

The International Promotion Agency of Culture Technology (국제문화기술진흥원)
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Analysis of the Safety Payment in Second-hand Transactions Using Text Mining

텍스트마이닝을 활용한 중고거래 안전결제 실태분석

  • 김은지 (연세대학교 정보대학원 UX) ;
  • 김범수 (연세대학교 정보대학원)
  • Received : 2023.05.25
  • Accepted : 2023.07.02
  • Published : 2023.07.31
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Abstract

The secondhand market in Korea has been showing steady growth. However, the number of fraud cases and the amount of damages from fraudulent activities in secondhand transactions are also increasing. As of 2021, the size of the secondhand market reached 24 trillion won, but the total amount of fraud-related damages reached 360.6 billion won. In order to prevent fraud between individuals, secondhand trading platforms have implemented a safety payment system. However, new types of fraud methods exploiting the safety payment system have emerged, undermining the security of secondhand transaction safety payments. In this study, we aim to utilize text mining to examine the current state of the safety payment system in secondhand transactions and propose improvement measures by analyzing the system through text mining and network analysis.

한국의 중고거래 시장은 꾸준한 성장을 보이고 있지만, 중고거래 사기의 발생 건수와 피해 금액도 함께 늘어나고 있다. 2021년 기준 중고거래 시장 규모는 24조원이지만 동시에 사기 피해 금액은 3,606억 원에 달한다. 중고거래 플랫폼은 개인 간 거래 사기를 방지하기 위해 안전거래 결제 시스템을 마련했다. 그러나 안전결제 시스템을 악용한 신종 사기 수법이 생겨나고 있어 중고거래 안전결제도 사기로부터 안전하다고 볼 수 없다. 이에 본 연구는 텍스트마이닝을 활용하여 중고거래 안전결제 서비스의 사기 방지를 위해 생긴 안전결제 시스템의 실태를 파악하고, 이를 텍스트마이닝과 네트워크 분석으로 분석하여 안전결제 시스템의 개선 방안을 제안한다.

Keywords

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