• Journal of the Korea Institute of Information Security & Cryptology
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• v.30 no.3
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• pp.379-388
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• 2020

As the use of credit cards increases, security threats increase. In particular, despite being vulnerable to related crimes, such as fraudulent use of credit cards and theft of names, there are virtually no security procedures to authenticate the validity of user while paying with the credit card. In order to overcome these limitations of current credit card payments, we add a process of signing payment using a stylus pen with built-in acceleration sensor in the existing transaction method, and classifying and comparing the image of the signature and signature information measured by the sensor through the convolutional neural network. we propose a method to improve security in financial transactions by performing the user authentication process through the possession of the stylus pen and the characteristic values of the signature.

• 한국경영정보학회:학술대회논문집
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• 2007.06a
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• pp.597-602
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• 2007

데이터 마이닝 분야에서 앙상블 모형의 유용성은 널리 인정되고 있다. 앙상블을 구성하는 단위모형들 사이의 다양성이 보장되는 경우, 최종 모형의 정확성 및 안정성이 향상되기 때문이다. 하지만, 얼마나 많은 단위 모형들이 어떤 방식으로 결합되어야 하는가에 대해서는 아직도 더 많은 연구가 필요하다. 본 연구에서는 신용카드 부정사용 유형 중 하나인 현금불법융통 문제에 대해 앙상블 모형의 유용성을 검증하고자 한다. 부정행위 적발 모형은 전형적인 분류 문제의 한 유형이나, 클래스간 불균형이 매우 심하다는 특징이 있다. 따라서, 현금불법융통 문제에 적합한 다양성(Diversity) 척도를 개발하여 최소한의 단위모형들로 앙상블 모형을 구성하는 방안을 제시하였다. 축소된 앙상블 모형이 많은 수의 모형을 결합한 앙상블 모형과 거의 같은 정확성 및 안정성을 보임을 국내 신용카드사의 실제 자료를 사용하여 입증하였다.

• Proceedings of the Korea Institutes of Information Security and Cryptology Conference
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• 1996.11a
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• pp.122-132
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• 1996

WWW(World Wide Web)은 미래의 쇼핑수단으로 자리를 잡아가고 있다. 하지만, 현재 사용하고 있는 지불형태는 구매자의 신용카드 정보가 평문으로 네트워크를 통해 전송되는 것과 같은 보안상의 문제점을 가지고 있다. 이러한 문제점들은 개인정보에 대한 침해 딸만 아니라 정제범죄 등의 사회적 문제를 야기할 수 있다. 이러한 문제점을 재결하기 위하여 본 논문에서는 신용카드를 사용하는 새로운 전자지불 프로토콜인 SCCP(Secure Credit Card payment)를 소개한다. SCCP의 적합성을 확인하기 위하여 IBM에서 제시한 기준에 따라 수행한 결과, 본 논문에서 제시하는 방법은 안전한 전자지불 프로토콜로 판단된다.

• Korean Business Review
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• v.4
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• pp.185-200
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• 1991

• Proceedings of KHEA Conference
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• 2003.04a
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• pp.187-187
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• 2003

• Journal of KIISE:Computer Systems and Theory
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• v.30 no.9
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• pp.494-503
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• 2003

In this paper, we propose the implementation techniques of IC card chipset that is compatible with international standard ISO-7816 and supports WindowsCE operating system to expropriate various electronic cash and credit card. This IC card interface chip set is composed with 32 bit ARM720T Core and AES(Advanced Encryption System) cryptography module for electronic commerce. Six IC card interfaces support T=0, T=1 protocol and two of them are used to interface with user card directly, the others are used for interface with SAM card. In addition, It supports a LCD controller and USB interface for host. We improved the performance about 70% than software based It card chip set and verified using Hynix 0.35um process.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2003.10a
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• pp.626-629
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• 2003

In this paper, a system that implementation of Biometric System Using RF-ID. We organize a certification system which the security is strengthened, the information is flowed out and the presentation will do the possibility not to be abused. The loss of the credit card and problems which there is many of forgery back are happening. To solve such problems, We organized the system to use after we stored a fingerprint data at RF Card and going through certification necessary formalities. Various research to be related uses this system and is predicted. The development to common use goods will be possible through a certification procedure.

• Journal of Families and Better Life
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• v.23 no.2 s.74
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• pp.77-91
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• 2005

The purpose of this study is to investigate general tendencies in credit card use, and determine the causes of the use of cash advance service and deferred payment among college students. Socio-demographic variables(gender, year in college, allowance, family income, parents' education and occupation, having taken a personal financial management course), knowledge and attitudes toward credit card, and financial management practices were incorporated as antecedent variables. Logistic regression analysis and multiple regression analysis were conducted to test the hypotheses. The results were as follows ; First, $32\%$ of the college students with no regular income experienced deferred payment, and $60.4\%$ of them had used a cash advance service. Second, the frequency and amount of cash advance service use were affected by family income, financial practices, and allowance. The financial practice as a parameter was affected by their completion of a personal finance course and their allowance. Third, deferred payment of credit was affected by their knowledge on credit cards and their financial practices. The financial practices as a parameter were affected by the family income and their completion of a personal finance course, and the knowledge on credit cards was affected by gender. Lastly, implications and suggestions for credit card use behavior research and consumer credit education are discussed in this article.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.20 no.3
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• pp.9-21
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• 2010

Recently, famous online shopping websites were hit by hacking attack, and many users' personal information such as ID, password, account number, personal number, credit card number etc. were compromised. Hackers are continuing to attack online shopping websites, and the number of victims of these hacking is increasing. Especially, the exposure of credit card numbers is dangerous, because hackers maliciously use disclosed card numbers to gain money. In 2007 Financial Cryptography Conference, Ian Molly et al. firstly proposed dynamic card number generator, but it doesn't meet reuse resistant. In this paper, we analyzed security weaknesses of Ian Molly's scheme, and we proposed a new one-time virtual card number generator using a mobile device which meets security requirements of one-time virtual card numbers. Then, we propose one-time credit card number generation and transaction protocol using Integrated Authentication Center for user convenience and security enhancement.

• Journal of Intelligence and Information Systems
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• v.27 no.3
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• pp.113-137
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• 2021

According to the clear potential of mobile banking growth, many studies related to this are being conducted, but in Korea, it is concentrated on the analysis of technical factors or consumers' intentions, behaviors, and satisfaction. In addition, even though it has a strong customer base of 20s, there are few studies that have been conducted specifically for this customer group. In order for mobile banking to take a leap forward, a strategy to secure various perspectives is needed not only through research on itself but also through research on external factors affecting mobile banking. Therefore, this study analyzes impulsiveness, credit card use, and SNS addiction among various external factors that can significantly affect mobile banking in their 20s. This study examines whether the relationship between impulsiveness and mobile banking usage depends on whether or not a credit card is used, and checks whether a customer's impulsiveness is possible by examining whether a credit card is used. Based on this, it is possible to establish new standards for classification of marketing target groups of mobile banking. After finding out the static or unsuitable relationship between whether to use a credit card and impulsiveness, we want to indirectly predict the customer's impulsiveness through whether to use a credit card or not to use a credit card. It also verifies the mediating effect of SNS addiction in the relationship between impulsiveness and mobile banking usage. For this analysis, the collected data were conducted according to research problems using the SPSS Statistics 25 program. The findings are as follows. First, positive urgency has been shown to have a significant static effect on mobile banking usage. Second, whether to use credit cards has shown moderating effects in the relationship between fraudulent urgency and mobile banking usage. Third, it has been shown that all subfactors of impulsiveness have significant static relationships with subfactors of SNS addiction. Fourth, it has been confirmed that the relationship between positive urgency, SNS addiction, and mobile banking usage has total effect and direct effect. The first result means that mobile banking usage may be high if positive urgency is measured relatively high, even if the multi-dimensional impulsiveness scale is low. The second result indicates that mobile banking usage rates were not affected by the independent variable, negative urgency, but were found to have a significant static relationship with negative urgency when using credit cards. The third result means that SNS is likely to become addictive if lack of premeditation or lack of perseverance is high because it provides instant enjoyment and satisfaction as a mobile-based service. This also means that SNS can be used as an avoidance space for those with negative urgency, and as an emotional expression space for those with high positive urgency.