• 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.

• The Journal of the Convergence on Culture Technology
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• v.7 no.3
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• pp.453-462
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• 2021

As the status of public certificates expired due to the recent revision of the Electronic Signature Act, electronic signature-based public certificates were also lost in the means of replacing resident registration numbers(RRN). As a result, public certification institutions have recently been designated by the Korea Communications Commission as identity verification service providers through a review of the designation of personal identity proofing agency based on alternative means of RRN. However, unlike existing RRN replacements such as i-PIN, mobile phones, and credit cards, the personal identity proofing process for applicants for certificates is different from existing alternatives. The proposed method shows that it is possible to protect users' personal information and provide universal, reasonable, and safe identification services by applying improvements to electronic signature-based personal identity proofing services.

• Journal of the Korea Society of Computer and Information
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• v.28 no.8
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• pp.21-30
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• 2023

The study proposes a model that utilizes Python-based deep learning text classification techniques to detect the legality of illegal financial advertising posts on the internet. These posts aim to promote unlawful financial activities, including the trading of bank accounts, credit card fraud, cashing out through mobile payments, and the sale of personal credit information. Despite the efforts of financial regulatory authorities, the prevalence of illegal financial activities persists. By applying this proposed model, the intention is to aid in identifying and detecting illicit content in internet-based illegal financial advertisining, thus contributing to the ongoing efforts to combat such activities. The study utilizes convolutional neural networks(CNN) and recurrent neural networks(RNN, LSTM, GRU), which are commonly used text classification techniques. The raw data for the model is based on manually confirmed regulatory judgments. By adjusting the hyperparameters of the Korean natural language processing and deep learning models, the study has achieved an optimized model with the best performance. This research holds significant meaning as it presents a deep learning model for discerning internet illegal financial advertising, which has not been previously explored. Additionally, with an accuracy range of 91.3% to 93.4% in a deep learning model, there is a hopeful anticipation for the practical application of this model in the task of detecting illicit financial advertisements, ultimately contributing to the eradication of such unlawful financial advertisements.

• The KIPS Transactions:PartB
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• v.16B no.4
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• pp.309-318
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• 2009

The researches on the system that automatically records and retrieves one's everyday life is relatively actively worked recently. These systems, called personal memex or life log, usually entail dedicated devices such as SenseCam in MyLifeBits project. This research paid attention to the digital devices such as mobile phones, credit cards, and digital camera that people use everyday. The system enables a person to store everyday life systematically that are saved in the devices or the deviced-related web pages (e.g., phone records in the cellular phone company) and to refer this quickly later. The data collection agent in the proposed system, called MyMemex, collects the personal life log "web data" using the web services that the web sites provide and stores the web data into the server. The "file data" stored in the off-line digital devices are also loaded into the server. Each of the file data or web data is viewed as a memex event that can be described by 4W1H form. The different types of data in different services are transformed into the memex event data in 4W1H form. The memex event ontology is used in this transform. Users can sign in to the web server of this service to view their life logs in the chronological manner. Users can also search the life logs using keywords. Moreover, the life logs can be viewed as a diary or story style by converting the memex events to sentences. The related memex events are grouped to be displayed as an "episode" by a heuristic identification method. A result with high accuracy has been obtained by the experiment for the episode identification using the real life log data of one of the authors.

• The KIPS Transactions:PartD
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• v.15D no.1
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• pp.121-130
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• 2008

In line with the enhanced weight and variety of electronic commerce in business activities, new type of payment settlement and banking system which will enable to store, create and transfer values from the existing method of payment settlement is highly required. Cyber Banking system draws strong attention being the solution of there requirements. The existing Cyber Banking system has the difficulty of operation, administration, in addition to the problem of initial facility investment of big amount, resulted from the usage of the current business process. As the existing Cyber Bank system is unable to carry out the function of storing, creating, and transferring values due to the adoption conventional credit card system instead of the application of non-stop payment system between the seller and buyer. As a result, current Cyber Bank system still imply the deficiency of non-performing cash payment function on internet. This paper describes (1) an integrated application process, One Process One Input (OPOI) which is essential for software development of the Cyber Bank, (2) an application process of payment settlement system to be applied to the electronic commerce in Internet. And then, with these for a basis, (3) design and implementation of payment settlement system through CyberBank for Electronic Commerce. Consequently, by means of this suggested process, we could attempt to solve the problem of existing Cyber Bank system and further to explore the possibility of advanced Cyber Banking being the non-stop payment settlement system. The effectiveness of this suggested system has been practically confirmed.

• Journal of Internet Computing and Services
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• v.15 no.1
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• pp.157-170
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• 2014

As the increase of transaction using mobile banking continues, threat to the mobile financial security is also increasing. Mobile banking service performs the financial transaction using the dedicate application which is made by financial corporation. It provides the same services as the internet banking service. Personal information such as credit card number, which is stored in the mobile banking application can be used to the additional attack caused by a malicious attack or the loss of the mobile devices. Therefore, in this paper, to cope with the mobile financial accident caused by personal information exposure, we suggest outlier detection method which can judge whether the transaction is conducted by the appropriate user or not. This detection method utilizes the user's input patterns and transaction patterns when a user uses the banking service on the mobile devices. User's input and transaction pattern data involves the information which can be used to discern a certain user. Thus, if these data are utilized appropriately, they can be the information to distinguish abnormal transaction from the transaction done by the appropriate user. In this paper, we collect the data of user's input patterns on a smart phone for the experiment. And we use the experiment data which domestic financial corporation uses to detect outlier as the data of transaction pattern. We verify that our proposal can detect the abnormal transaction efficiently, as a result of detection experiment based on the collected input and transaction pattern data.

• Journal of Distribution Research
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• v.7 no.1
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• pp.21-40
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• 2002

The purposes of this study were to examine the conceptual structure of consumer characteristics and marketing elements affecting impulsive buying behavior of the CATV home-shopper on fashion products, and to compare the differences of consumer characteristics and marketing elements between impulsive buying shoppers and non-impulsive buying shoppers in CATV home-shopping. We collected data from 263 females of CATV home-shoppers in Busan. Data were analyzed by factor analysis, t- test, $\chi$2-test, and discriminant analysis. The results showed that the exploratory tendency of CATV home-shoppers was consisted of Patronage-orientation, and Product- orientation. The marketing elements perceived by CATV home-shoppers were composed of Promotion, Product and Payment method. There were differences of consumer characteristics and marketing elements between impulsive buying shoppers and non impulsive buying shoppers. Especially, impulsive tendency of shoppers and promotion factor of marketing were significant variables in the impulsive buying behavior of CATV home-shopping. The results provide information about impulsive buying behavior in CATV home-shopping, useful to consumer behavior researchers and retailers.

• KIPS Transactions on Software and Data Engineering
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• v.12 no.6
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• pp.259-266
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• 2023

It is very difficult to measure the performance of the machine learning model in the business service stage. Therefore, managing the performance of the model through the operational department is not done effectively. Academically, various studies have been conducted on the concept drift detection method to determine whether the model status is appropriate. The operational department wants to know quantitatively the performance of the operating model, but concept drift can only detect the state of the model in relation to the data, it cannot estimate the quantitative performance of the model. In this study, we propose a performance prediction model (PPM) that quantitatively estimates precision through the statistics of concept drift. The proposed model induces artificial drift in the sampling data extracted from the training data, measures the precision of the sampling data, creates a dataset of drift and precision, and learns it. Then, the difference between the actual precision and the predicted precision is compared through the test data to correct the error of the performance prediction model. The proposed PPM was applied to two models, a loan underwriting model and a credit card fraud detection model that can be used in real business. It was confirmed that the precision was effectively predicted.

• Journal of the Korean Institute of Landscape Architecture
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• v.36 no.4
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• pp.100-110
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• 2008

The purposes of the study were to analyze the effects of determinants and persuasive messages on the willingness-to-pay cultural & heritage assets' admission fees. Recently visitors have responded to a nationwide boycott of the fees within national parks due to feelings of disapproval and resentment. Data were collected through onsite surveys of 302 visitors in the Mt. Gyeryong National Park. Regression analysis and two-way ANOVA were employed to obtain the results. The results indicate that credit card payment was the most prominent predictor of willingness-to-pay at the .05 level. The second highest coefficient was obtained in the condition levying of admission fees and parking fees at the same time, providing temple interpretive services, followed by free days for everyone on special days each month. In addition, the most persuasive message was the descriptive content, which stated that fees were profoundly committed to the protection of the cultural heritage for future generations. As a result, it is effective to continually persuade visitors to use posters or reminders that stress the preservation of cultural assets at the entrance gate.

• Journal of the Korean association of regional geographers
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• v.10 no.2
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• pp.428-446
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• 2004

This paper is to analyze citizens' consciousness on urban changes during the 1900s in the sectors of economy, politics and socio-culture of large cities in Korea, especially comparing them in Seoul, Daejeon, Daegu, and Kywangju. The items of questionnaire are drawn from theories on each sector of new urbanization of large city in Western countries, that is, that of post-Fordism, of urban governance, of post-modernism, and of sustainable city. Some major findings of this questionnaire analysis are as follows. First, on the change of large cities in general, citizens think that the sectors of spatial structure, and of socio-culture of the cities were changed more than those of urban economy and of urban politics. Secondly, in the sector of urban economy, citizens recognize that the obstructing factors of development, that is, the lack of regional capital and the absence of head-quarter of large firms, which seems to be resulted from uneven regional development in the previous periods were much more serious than others, while acknowledging the importance of high-tech industry. Thirdly, in the sector of urban politics, citizens think that the centralized structure of politics and of political parties was still problematic, while acknowledging the importance of entrepreneur mind of urban governor. Finally, in the sector of urban socio-culture, citizens emphasize the development of telecommunication, the popularization of private automobile and the increasing use of credit card, as three major factors which have exercised major impacts on the development of urban socio-culture.