• Journal of Digital Convergence
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• v.11 no.12
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• pp.61-67
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• 2013

The B2B e-commerce assurance system supports e-commerce purchases by Credit Guarantee Fund. This process seeks to replace a variety of current systems, including B2C, the credit card payment method on B2B, 2001 Credit Guarantee Fund and the Bank, logistics, e-MP (Market Place), and Business-to-business e-MP (business-to-business electronic payment settlement system). Over the past 10 years of its operation, the e-MP service (B2B e-commerce electronic payment systems) has contributed much to the growth of SMEs. The development of business-to-business e-commerce transactions systems and limits have provided a stable purchasing platform, improving corporate competitiveness. However. the project-based scale of credit guarantee institutions has limitations. To overcome these limitations, we propose a new model of direct or indirect government support for small business e-MP projects. This new model will support the B2B electronic commerce by allowing it to directly involve guarantee institutions directly in B2B online transactions. Therefore, this study urges government backing of the SME based B2B online business model with e-MP service.

• Journal of the Institute of Electronics Engineers of Korea CI
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• v.41 no.5
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• pp.25-32
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• 2004

An anti-fraud system that utilizes association rules of fraud as well as AFS (Anti Fraud System) for credit card payments in e-commerce is proposed. The association rules are found by applying the data mining algorithm to millions of transaction records that have been generated as a result of orders on goods through the Internet. When a customer begins to process an order by using transaction components of a secure messaging protocol, the degree of risk for the transaction is assessed by using the found rules. More credit information will be requested or the transaction is rejected if it is interpreted as risky.

• 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.

• Journal of Digital Convergence
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• v.13 no.3
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• pp.1-10
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• 2015

Carrier billing services market is growing according to the technical development. This study investigated the limiting factor in carrier billing services and suggested the improvement factor for it using the Delphi Method. The amount money to use in carrier billing charges should be provided in their credit based and the accumulated payment using a text message is displayed and also telecommunications carriers and carrier billing firms are the least responsible for consumer harm. It also provides administrative responsibility for communications carriers and billing services company for non recognition and payment. The service provider to prove negligence not proven by consumer and telecommunications billing service delinquency rate is applied at a rate such as a credit card and it also should integrate retail payment and service fee. This study will contribute to the communication billing services market growth through improved communication billing service. Further research is needed to continue the study of the factors that emerged from communication and billing services due to emerging technologies and services.

• The Journal of Information Technology
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• v.1 no.1
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• pp.173-188
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• 1998

In this paper we discussed various types of electronic payment schemes that are emerging. Threats vary from malicious hackers attempting to crash a system, to threats to data or transaction integrity. An understanding of the various types of threats can assist a security manager in selecting appropriate cost-effective controls to protect valuable information resources. An overview of many of today's common threats presented in this paper will be useful to mangers studying their own threat environments with a view toward developing solutions specific to their organization. To ensure security on the Internet, several methods have been developed and deployed. They include authentication of users and servers, encryption, and data integrity. Transaction security is critical : without it, information transmitted over the Internet is susceptible to fraud and other misuse. So computer systems represents an Intermediary with the potential to access the flow of information between a user. Security is needed to ensure that intermediaries cannot eavesdrop on transactions, or copy/modify data. Online firms must take additional precautions to prevent security breaches. To protect consumer information, they must maintain physical security of their servers and control access to software passwords and private keys. Techniques such as secret and public-key encryption and digital signatures play a crucial role in developing consumer confidence in electronic commerce.

• The Journal of the Korea Contents Association
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• v.19 no.5
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• pp.426-442
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• 2019

This study identifies possible determinants that may have influences on the switching behavior from the current payment system of credit or check cards to the easy payment service based on push-pulling-mooring model. And this research empirically tests how those determinants affect switching intention to the easy payment service. The moderating effect of policy expectation is also taken into account. The findings show switching intention to the easy payment service is influenced by the followings: dissatisfaction with the current payment system as a pushing factor, perceived easy of use and trust in easy payment service as pulling factors, and affective/cognitive inertia and unfavorable subjective norm as mooring factors. The results also show that moderating effect of policy expectation exists in the relationship between perceived ubiquitousness and switching intention.

• Journal of the Korean Home Economics Association
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• v.42 no.3
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• pp.119-130
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• 2004

The purpose of this study is to estimate the rate of credit card payment for private education. The results of study can be used to improve credit card handling problems of private educational institutes, leading toward improvements in income transparency, increase in tax burden equity and long-term economic welfare improvement for individual households. 424 households out of 586 household that were surveyed in September of 2002 had 1,700 cases private extracurricular education. 67 of the 1,700 cases that did not have expenditure records were removed from the analysis. Only 3.67％ out of 1,633 cases were paid by a credit cards and the amount of credit card payment were only 5.65％ of the total amount spent for private education. The average fee of private educational institutes that allow credit card payment was higher than the fees of private institutes which don't allow a credit card payment or those of private institutes where consumers don't know whether a credit card payment was allowed. The average fee of private education paid by credit cards was 34,465.46 won higher than that paid by cash. Credit card payments to private educational institutions is an important social issue with respect to fair tax collection and tax burden equity since most private educational services operate in fairly small sizes and are offered by the self-employed, and the expense of private education is a fairly large proportion of the household income. It is also important for consumers if credit card acceptance expands alternatives that consumers can choose in private education. Therefore, credit card payment should be encouraged in private extracurricular education. To do this, private education providers should be forced to join a credit card payment service by the National Tax Service. A regulation that prohibits the refusal of credit card payments should be required, and credit card service charges of private education providers should be incrementally decreased. Also, consumer education and public promotions for credit card use instead of cash in paying for private education fees are recommended.

• Proceedings of the Korea Society for Industrial Systems Conference
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• 1997.03a
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• pp.45-45
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• 1997

최근 국내외에서 활발히 추진되고 있는 전자상거래는 비즈니스의 모든 프로세스를 전자화하고 디지털 통신망에 접속을 자동화하는 정보화 혁명으로써, 전자상거래의 보편화되면서 신용카드번호, 비밀번호 등 대금결제를 위한 중요한 개인 정보가 네트워크에 노출될 수밖에 없고 해커들의 공격 유형도 다양해 질 것으로 보인다. 본 논문에서는 전자상거래의 체계의 특징, 지불 시스템, 인증 시스템의 종류, 개인정보 위협요소들의 분석을 통해 전자상거래 최적환경을 만들기 위한 전자상거래 보안 시스템을 설계하였다.

• The Journal of Korean Association of Computer Education
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• v.15 no.1
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• pp.73-85
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• 2012

Presently, Enhanced electronic financial service are offered used open network due to development of IT and financial transactions. The protocol in this environments such as SET, SSL/TLS, and so on are electronic transaction protocol to perform electronic payment securely and efficiently. However, most users still does not know accurately how to use and potential problems. It especially has key management problem about generate session key for purchase products or payment. To solve this problem, we propose proxy re-encryption based secure electronic transaction to transmit payment and order information without addition session key.

• 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.