• International Commerce and Information Review
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• v.2 no.2
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• pp.155-169
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• 2000

본 연구는 새로운 국제 전자결제수단으로 개발된 무역카드(TadeCard)에 대한 검토와 활용 가능성에 관하여 검토한 것이다. 무역카드는 세계무역센터협회가 인터넷을 통하여 국제무역대금을 결제할 수 있는 전자결제시스템으로 개발되었다. 무역카드시스템은 제시되는 전자문서의 일치성 점검 및 국제무역거래의 모든 이행과정을 온라인(on-line) 상에서 전자적으로 이행되는 것을 특징으로 하고 있으며 부대비용 등 경제성 측면에서 여타 결제수단보다 우월한 결제시스템이라고 하고 있다. 그러나 가상공간을 통한 전자결제시스템은 거래당사자에게 대금지급의 확실성과 거래의 안정성 및 신속성 보장이 전제되어야 한다. 실제로 무역카드시스템은 특정 보증보험회사의 보증에 기반을 두고 있어 국제 기업간 거액거래상의 신용취급의 한계점과 금융네트워크 등에서의 취약점을 가지고 있다. 따라서 무역카드가 국제전자결제시스템으로 정착되기 위해서는 정보보안 등 기술적인 안정성이 검증되고 결제상의 신뢰성 보장을 위하여 상업은행들의 참여가 확대되어야 한다. 또한 인터넷상에서 결제가 이루어지기 위해서는 담보권과 유통성이 보장되는 볼레로전자선화 증권 등의 활용과 기존의 모든 종이문서에 의한 결제서류도 전자문서로 대체되어야 한다.

• Management & Information Systems Review
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• v.7
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• pp.113-124
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• 2001

인터넷을 기반으로 하는 B2B시장이 엄청난 속도로 증가추세를 드러내고 있는 가운데 국내 전자상거래 시장은 예상만큼의 기대치에 부응하지 못한 채 큰 발전을 보지 못하고 있는 상황이다. 이는 인터넷상에서의 효율적인 결제시스템의 부계와 전자상거래 시장의 특성인 신뢰성의 부재에 그 원인이 있다고 보아진다. 따라서 본 논문에서는 이러한 비대면의 전자적인 결제시스템에 따르는 신뢰성 문제해결을 위한 방안으로 Escrow계정을 이용하는 B2B 결제시스템을 제안하고자 한다. 본 연구에서 제안하는 Escrow Service시스템은 전자결제시스템의 걸림돌이었던 제품보증과 결제보증에 관한 문제를 데이터베이스로 구축하여 체계적이고 안정적인 방법으로 해결할 수 있는 EDI를 이용한 B2B ESCROW 결제서비스를 만드는 것이다. 구매기업과 판매기업간에 매매행위가 발생되면서 양사의 합의에 따른 Escrow사항들을 표준화된 데이터베이스 형식을 갖고 있는 EDI에 저장하고 거래 데이터베이스를 수행하면서 자동적인 EDI File Update를 통해 가장 실시간의 정보를 참조할 수 있도록 하는 것이다. 기존의 B2B 결제시스템에 있어서의 Escrow 기능이 계좌이체를 이용한 결제시스템에만 제한적으로 이용돼 왔었으며 또한 Escrow 시스템 수행이 수동적인 프로세스에 의해 움직여졌기 때문에 신뢰성과 이용도면에서 문제점이 있었다. 하지만 EDI를 이용한 Escrow시스템 구현은 프로세스의 자동화뿐만 아니라 계좌이체 및 기타 대출을 이용한 결제시스템에도 다양하게 적용할 수 있으며 또한 History관리가 가능하므로 전자상거래 결제시스템의 효율을 한층 더 높일 수 있을 것으로 기대된다.

• The Journal of Information Technology
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• v.3 no.3
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• pp.77-88
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• 2000

Electronic Commerce increased rapidly according to the growing popularity of Internet. but payment system are not changed. Now main payment system of electronic commerce are credit card and cyber banking system. Then credit card has some problems safety, privacy etc, and cyber banking system has some problem also. We need new payment system to Electronic Commerce. The merit of electronic money are more capacity, more secure, more reliable, quick and easy to update, secure off-line processing, enabling technology etc than credit card and cyber banking system. And so many countries began using experiment of electronic money and our country began July KOEX building. But it has some problems (standardization, safety of payment, etc). Therefor we must make nile about electronic money in order to standardization and safety of payment. After then electronic money are used widely in electronic commerce.

• Journal of Convergence Society for SMB
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• v.5 no.2
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• pp.33-38
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• 2015

The damage to the security is increasing as public key-based ISP secure payment service is used in online banking payment system. Security technology aspect to ISP secure payment security has no special problems. But, security damage that occurs due to the simplicity of the payment system is a problem. In this paper, we propose response and plan for ISP secure payment service to minimize the damage that occurs due to the simplicity of a security settlement system. Proposed scheme is applicable to various billing systems such as secure payments, online payment, mobile payment, credit card. Proposed scheme is characterized in that can stably support the capabilities of the new billing system. Also, proposed scheme is to analyze the various security threats arising from the payment of the financial services and to describe response and plan technology.

• The Journal of Information Technology
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• v.6 no.4
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• pp.147-162
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• 2003

The technique of information-communication rapidly developed has made it possible for us to do business through Internet. Electronic commerce was increased rapidly by the explosive development of the inter and communication revolution. E-Commerce has created a fundamentally new way of conduction and will change drastically accepted ways of doing business. Normally international trade has been formulated in a way that exporters and importers meet face-to-face and contract and pay by letter of credits. For the global electronic commerce to vitalized, the outstanding matters should encourage the creation of infrastructure of information security and new models in the field of electronic payment systems, electronic commerce agreement for remedy, adapting electronic date interchange in transport documents and negotiability of electronic bills of lading. The payment systems such as electronic fund transfers, tradecard system and electronic letters of credits issued by SWIFT system permit the parties concerned(sellers, buyers ad service providers) to settle payment electronically. Still they are many limitations for complete international electronic transactions. The following measures have to be taken to vitalize electronic trade transactions. It is needed to acquire information security such as authenticity, integrity, non-repudiation and confidentiality. All kinds of documents need to be replaced by electronic date exchange and the legal structure of international convention, national law for electronic payment systems have to be completed. Also a detailed guide of the banking operation and developing rules for electronic letters of credits need to be provided to adopt eUCP rules for the electronic presentation of documents.

• Management & Information Systems Review
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• v.30 no.1
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• pp.211-226
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• 2011

This study was intended to investigate the attributes of the Internet shopping mall and to examine the effects of each attribute on the consumer purchase intention. 279 valid responses of total 300 questionnaire were used for the analysis of this study. Both the exploratory factor analysis and reliability analysis were conducted to evaluate the conceptual validity and internal coherence of the determining variables and the use intention. The factor analysis resulted in identifying the five factors of the Internet shopping mall and on the multiple regression analysis, three of the five identified factors were found to affect significantly the purchase intention. According to the verified results interactivity(t=4.384) was found to affect positively the use intention, while privacy risk(t=-2.985) and delivery risk(t=-2.257) were found to affect negatively the purchase intention. Managerial suggestions are recommended as the results of analysis. It is urgently necessary for decreasing countermeasures delivery risk and privacy risk to enhance purchase intention of customers in internet shopping malls. Especially obtaining more information on consumers gives short-term advantages to marketers, perceived slackness in privacy will hinder purchase intention in internet shopping malls in the long run by causing distrust of consumers. Other limitations and future research directions are also mentioned.

• Journal of Digital Convergence
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• v.18 no.4
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• pp.149-161
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• 2020

This paper aims to explore the question of whether the environment in Korea where credit card use is prevalent affects the intention to accept Fintech-based mobile payment. The institution that encourages the credit card use such as credit card receipt obligation may lead to the lock-in and build infrastructures to influence the acceptance of new payment acceptance. This paper investigates how the perceived of use, usefulness, accessibility and stability affect the intention to use mobile payment based on the Technology Acceptance Model(TAM) model with the mediator of lock-in and moderator of credit card receipt obligation. In the results, we found that the perceived usefulness, perceived ease of use and accessibility positively impact on the intention of mobile payment usages. It is also observed that the usefulness and accessibility of credit cards positively mediate to the intention of mobile payment use.

• Journal of the Korea Computer Industry Society
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• v.2 no.10
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• pp.1339-1348
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• 2001

This study is directed to compare the payment systems between conventional and internet, under international commerce. A stable and secure payment system is necessary for the progress of e-business through the internet. There are three typical methods of payment system in conventional transactions; the letter of credit(L/C) basis, the collection basis and the remittance basis. The exporter prefers L/C basis because of authentic payment, financial convenience and reduced risk Buyers and sellers who have enjoyed long creditable relationships use carefully the collection basis. The remittance basis is adequate for small amount payment for sample. In this paper, the merits and demerits of electronic payment system are compared to the conventional payment one. Internet payment system has an advantage of speed-up in payment against the conventional, but has a limited usage in the area of consumer based(B to C) transaction. The conventional payment system has been becoming overwhelm electronic payment one in the business to business(B to B) area.

• Journal of Korean Tunnelling and Underground Space Association
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• v.12 no.4
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• pp.285-294
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• 2010

As there are increasing number of tunneling works these days, shotcrete is used as primary supports in order to secure the stability of tunnels. The quality of shotcrete has a direct influence on tunnels, because it is a primary support which secures the stability of completed tunnels as well as the stability of tunnels under excavation. Especially in case that ordinary shotcrete is used under weak rock conditions or at water gushing sections, more shotcrete is needed and rebound ratio increases. As a result, it is hard to keep economic feasibility. In addition to it, in subway construction, there are cases of separated excavation and it may have a bad influence on construction period or quality. Therefore, in this study, we are going to evaluate the early strength of powder type accelerator.

• Proceedings of the Korean Society of Broadcast Engineers Conference
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• fall
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• pp.310-313
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• 2021

최근 다양한 산업분야에서 디지털 사용자 트랜잭션의 보안성 강화와 디지털 자산의 거래 비용 최소화를 동시에 실현하기 위해 블록체인 기술을 점진적으로 확대하고 있다. 특히 무인 자동화 시스템으로의 전환이라는 과도기적 상황과 코로나-19 대유행이 맞물려 비대면 시장에 대한 관심이 커졌고, 비대면 시장의 수익 극대화와 안정적인 비대면 서비스 실현을 위해 블록체인 시스템과의 결합이 초점화되고 있다. 본 캡스톤디자인 보고서는 블록체인 기반 암호화폐 결제 서비스 애플리케이션을 설계하고 구현하는 과정을 기술한다. 특히 새로운 알트코인으로 평택코인과 관련된 앱 생태계 구축 과정, 그리고 평택코인 결제 서비스 지원 애플리케이션을 개발을 통한 스마트 암호화폐 결제 애플리케이션의 서비스 초기 모델 구현 과정에 대해 기술한다.