• Journal of Information Technology Services
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• v.13 no.4
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• pp.245-254
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• 2014

Payment system is defined as the various contracts and operating facilities for the transfer of monetary value to clear the relationship between credit and debt. Payment systems essentially require the efficient and reliable operations. Card-based payment systems are developed practically and creatively in accordance with the progress of ICT. Especially in mobile environment with intelligent mobile devices such as smart-phones and tablets, a variety of payment services are provided. Existing card-based payment services are configured by the payment transaction initiated by the merchants card acceptance and then swiping into the CAT (Card Authorization Terminal) to begin the transaction. The merchant initiated payment services are now applied to the Wireless CAT (W-CAT) for mobile environment. That kind of payment services cause many problems such the illegal card information leaks and the lingering threat of W-CAT theft. Also, the use of many W-CATs increased cost to the merchant. In this paper, we propose the card holder initiated card payment system using the intelligent mobile devices in mobile environment for solving problems of the existing merchant initiated card payment system and coping effectively with the activation of a wireless data network and changes of information technology.

• The Journal of the Institute of Internet, Broadcasting and Communication
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• v.15 no.5
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• pp.177-182
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• 2015

Nevertheless 3D printer is propagated fast, it is difficult for us of using 3D printer at the same time because of 3D printer's slow velocity. Existing solution is to print using SD card which moves files and on PC but this method is spend too much time and can not be showed status of printing. Yet we have no 3D printer software solution which is controlled and printed remotely. Therefore, this 3D printer software solution makes 3D printer be connected on internet networks and selected to use it on smart App. And it is controlled and printed remotely. In my paper, to build an Android App. which can execute these functions, an effective analysis & design using UML and implementation method will be presented.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2013.05a
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• pp.653-655
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• 2013

This paper is the study of Multiple External Storage Configuration for the Android based Set-top Box system. Because of Mobile OS, Android has limitation in media streaming, recording and playing for Set-top box function with only support external storage device Micro-SD card. In this paper, we research for the Multiple External Storage configuration for external disk drive, USB Memory, SD card. in Android System with Multi-Volume Management system implementation.

• Journal of Convergence Society for SMB
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• v.5 no.4
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• pp.25-30
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• 2015

Recently, interest in Fin-Tech, a compound word of finance and technology, has been increased. However, Fin-Tech that is a mixture of finance and IT is exposed in terms of security. In this paper, we propose a method to solve the security-related problem that occurs in the financial sector where the Fin-Tech is used. Proposed method found out different problems of services which are provided by companies through a variety of financial sectors and described a method to facilitate the security service. In particular, proposed method presents a service plan to secure safety and to minimize the damage. Also, proposed method set an objective to stabilize financial services based on analyzed result after analyzing the problems of existing FinTech security services.

• Human Ecology Research
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• v.58 no.4
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• pp.497-515
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• 2020

The use of mobile payment services has recently increased in South Korea. Mobile payments allow consumers to purchase items digitally, using a mobile card in an app affiliated with a payment service. This study explores the predictors of intention to adopt mobile payment services. The study employed an A(affective)-B(behavioral)-C(cognitive) model with two antecedent variables: cognitive (perceived usefulness, perceived risk, perceived ease of use, and perceived herding behavior) and affective (satisfaction with the status quo, innovation resistance) responses. An online survey of 405 non-users of mobile payment services aged 20 to 49 years was conducted. The study used SPSS 23.0 for descriptive analysis and Amos 23.0 for confirmatory factor analysis and structural equation modelling. The results are as follows. First, perceived usefulness, perceived risk, and perceived herding behavior significantly influenced innovation resistance. Second, perceived herding behavior significantly influenced subjective norms. Third, innovation resistance and subjective norms significantly influenced the intention to adopt mobile payment services. The findings suggest that the A-B-C model can be useful in understanding consumers' adoption and resistance behaviors and that cognitive and affective responses are important antecedent variables affecting the decision to adopt mobile payment services.

• The Journal of Information Systems
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• v.28 no.2
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• pp.181-200
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• 2019

Purpose In order to find out the influential factors to accept the mobile convenient payment service like Apple pay or Samsung Pay based on the Unified Theory of Acceptance and Use of Technology according to the type of High and Low value payments. Design/methodology/approach This research model is designed on the factors of Unified Theory of Acceptance and Use of Technology and simultaneously analysed, or performed the empirical analysis of the PLS-SEM(Partial Least Squares structural equation model) in order to forage for the association among mobile convenient payment service's features. Findings According to the empirical analysis consequence, this research confirmed that the adoption of mobile convenient payment services is influence by features on the basis of Unified Theory of Acceptance and Use of Technology, mobility, and trust. Also, this paper figure out that the behavior of an user acceptance of mobile convenient payment services according to the type of high and low value payments.

• Journal of Digital Convergence
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• v.17 no.11
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• pp.517-522
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• 2019

In many businesses, chatbots enhance the user experience by providing the most immediate and direct feedback to user questions. The area of use of chatbots is growing. In this study, the three types of chatbot definition, command method, function, and platform are classified according to their distinct factors. In the process, the functional delimiter element is necessary for the Chatbot UX, which is a key technical element of the functional part of pattern recognition, natural language processing, semantic web, text mining, and context-aware computing. However, the limitations at this stage were also known. Based on this, we analyzed the chatbot's UX elements for Facebook, Skype, Telegram, and Google Assistant for a better user experience. Basic UI elements such as cards, quick response, command, and application of persistent menus are needed as user experience elements.

• The KIPS Transactions:PartC
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• v.17C no.4
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• pp.361-370
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• 2010

OTP(One Time Password) is a user authentication using secure mechanism to authenticate each other in a way to generate a password, an attacker could intercept the password to masquerade as legitimate users is a way to prevent attacks. The OTP can be implemented as H/W or S/W. Token and card type OTP, implemented as H/W, is difficult to popularize because of having problem with deployment and usability. As a way to replace it implemented as S/W on Mobile or PC is introduced. However, S/W products can be target of malicious attacks if S/W products have vulnerability of implementation. In fact, FSA said the OTP implemented on a mobile have vulnerability of implementation. However, the OTP implemented on a PC have no case about analysis of vulnerability. So, in this paper derive security review and vulnerabilities analysis of implemented on a PC.

• Information Systems Review
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• v.23 no.3
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• pp.177-200
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• 2021

Recently, the use of prepaid electronic payments such as electronic wallets, digital currency and prepaid points is gradually increasing. Prepaid electronic payments has the characteristic of being used after charging first. This study empirically investigated the factors affecting the intention to use online charging in order to help improve the service that require prepaid recharge by applying transformed TAM. Since there are not many previous studies for the intention to use online charging, we extract factors through preceding researches for electronic cash and mobile easy payment. Also we analyze the intention to use online charging for transportation card users, focusing on the moderating effects. As a result of the study, it was found that 'convenience', 'ubiquity', and 'self-efficacy' among the independent variables had a positive (+) effect on mediation variable 'perceived usefulness'. 'Perceived usefulness' was analyzed to have a significant influence on the dependent variable 'usage intention'. According to users' gender, internet usage time, internet shopping frequency, online charging frequency and transportation card usage type, the moderating effect was significant on 'perceived usefulness' and 'usage intention'. As an implication, it was suggested that service improvement and differentiated marketing are needed in direction of increasing the usefulness of services. Additional research directions were proposed for services such as e-wallets, prepaid points and digital currencies by adding other factors and moderate variables.

• Proceedings of the Korea Information Processing Society Conference
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• 2013.05a
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• pp.564-567
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• 2013

ID/Password 방식은 노출 및 예측 공격에 대한 위험성을 안고 있다. 이를 해결하기 위한 방법으로 OTP(One time Password)를 인증 시스템에 적용할 수 있다. OTP는 매번 다른 패스워드를 생성하여 사용하는 사용자 인증 방식이다. 전자금융감독규정에 의해 OTP는 인터넷뱅킹, 모바일뱅킹, 텔레뱅킹 등 전자 금융 거래 시 보안카드를 대체하는 1등급 보안매체로 지정되었지만 OTP 단말기는 배포 및 사용의 편의성의 문제로 대중화의 어려움과 동기화 실패의 문제점이 존재하게 된다. 본 논문은 통신 기술의 발달로 현재 많이 대중화되어 있고 하나의 개인 컴퓨터와 같이 정보를 저장하고 연산이 가능한 Mobile 장치를 이용하여 HOTP기반의 OTP를 생성하여 사용자 인증을 제공함으로써 OTP 단말기의 배포 및 편의성의 문제를 해결할 수 있는 방식을 제한한다.