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Real-time CRM Strategy of Big Data and Smart Offering System: KB Kookmin Card Case (KB국민카드의 빅데이터를 활용한 실시간 CRM 전략: 스마트 오퍼링 시스템)

  • Choi, Jaewon;Sohn, Bongjin;Lim, Hyuna
    • Journal of Intelligence and Information Systems
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    • v.25 no.2
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    • pp.1-23
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    • 2019
  • Big data refers to data that is difficult to store, manage, and analyze by existing software. As the lifestyle changes of consumers increase the size and types of needs that consumers desire, they are investing a lot of time and money to understand the needs of consumers. Companies in various industries utilize Big Data to improve their products and services to meet their needs, analyze unstructured data, and respond to real-time responses to products and services. The financial industry operates a decision support system that uses financial data to develop financial products and manage customer risks. The use of big data by financial institutions can effectively create added value of the value chain, and it is possible to develop a more advanced customer relationship management strategy. Financial institutions can utilize the purchase data and unstructured data generated by the credit card, and it becomes possible to confirm and satisfy the customer's desire. CRM has a granular process that can be measured in real time as it grows with information knowledge systems. With the development of information service and CRM, the platform has change and it has become possible to meet consumer needs in various environments. Recently, as the needs of consumers have diversified, more companies are providing systematic marketing services using data mining and advanced CRM (Customer Relationship Management) techniques. KB Kookmin Card, which started as a credit card business in 1980, introduced early stabilization of processes and computer systems, and actively participated in introducing new technologies and systems. In 2011, the bank and credit card companies separated, leading the 'Hye-dam Card' and 'One Card' markets, which were deviated from the existing concept. In 2017, the total use of domestic credit cards and check cards grew by 5.6% year-on-year to 886 trillion won. In 2018, we received a long-term rating of AA + as a result of our credit card evaluation. We confirmed that our credit rating was at the top of the list through effective marketing strategies and services. At present, Kookmin Card emphasizes strategies to meet the individual needs of customers and to maximize the lifetime value of consumers by utilizing payment data of customers. KB Kookmin Card combines internal and external big data and conducts marketing in real time or builds a system for monitoring. KB Kookmin Card has built a marketing system that detects realtime behavior using big data such as visiting the homepage and purchasing history by using the customer card information. It is designed to enable customers to capture action events in real time and execute marketing by utilizing the stores, locations, amounts, usage pattern, etc. of the card transactions. We have created more than 280 different scenarios based on the customer's life cycle and are conducting marketing plans to accommodate various customer groups in real time. We operate a smart offering system, which is a highly efficient marketing management system that detects customers' card usage, customer behavior, and location information in real time, and provides further refinement services by combining with various apps. This study aims to identify the traditional CRM to the current CRM strategy through the process of changing the CRM strategy. Finally, I will confirm the current CRM strategy through KB Kookmin card's big data utilization strategy and marketing activities and propose a marketing plan for KB Kookmin card's future CRM strategy. KB Kookmin Card should invest in securing ICT technology and human resources, which are becoming more sophisticated for the success and continuous growth of smart offering system. It is necessary to establish a strategy for securing profit from a long-term perspective and systematically proceed. Especially, in the current situation where privacy violation and personal information leakage issues are being addressed, efforts should be made to induce customers' recognition of marketing using customer information and to form corporate image emphasizing security.

Numerical Analysis of the Grand Circulation Process of Mang-Bang Beach-Centered on the Shoreline Change from 2017. 4. 26 to 2018. 4. 20 (맹방해빈의 일 년에 걸친 대순환과정 수치해석 - 2017.4.26부터 2018.4.20까지의 해안선 변화를 중심으로)

  • Cho, Young Jin;Kim, In Ho;Cho, Yong Jun
    • Journal of Korean Society of Coastal and Ocean Engineers
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    • v.31 no.3
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    • pp.101-114
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    • 2019
  • In this study, we carry out the numerical simulation to trace the yearly shoreline change of Mang-Bang beach, which is suffering from erosion problem. We obtain the basic equation (One Line Model for shoreline) for the numerical simulation by assuming that the amount of shoreline retreat or advance is balanced by the net influx of longshore and cross-shore sediment into the unit discretized shoreline segment. In doing so, the energy flux model for the longshore sediment transport rate is also evoked. For the case of cross sediment transport, the modified Bailard's model (1981) by Cho and Kim (2019) is utilized. At each time step of the numerical simulation, we adjust a closure depth according to pertinent wave conditions based on the Hallermeier's analytical model (1978) having its roots on the Shield's parameter. Numerical results show that from 2017.4.26 to 2017.10.15 during which swells are prevailing, a shoreline advances due to the sustained supply of cross-shore sediment. It is also shown that a shoreline temporarily retreats due to the erosion by the yearly highest waves sequentially occurring from mid-October to the end of October, and is followed by gradual recovery of shoreline as high waves subdue and swells prevail. It is worth mentioning that great yearly circulation of shoreline completes when a shoreline retreats due to the erosion by the higher waves occurring from mid-March to the end of March. The great yearly circulation of shoreline mentioned above can also be found in the measured locations of shoreline on 2017.4.5, 2017.9.7, 2017.11.7, 2018.3.14. However, numerically simulated amount of shoreline retreat or advance is more significant than the physically measured one, and it should be noted that these discrepancies become more substantial for the case of RUN II where a closure depth is sustained to be as in the most morphology models like the Genesis (Hanson and Kraus, 1989).

Comparative Study on the Dancheong(丹靑) of Buddhist Temples in Jeolla Region focused on the Dancheong of the main building of Mihwangsa Buddhist Temple at Haenam(海南) (전라도지역 사찰단청(寺刹丹靑)의 비교 연구 해남 미황사(美黃寺) 대웅전(大雄殿) 단청을 중심으로)

  • Lee, Su Yee
    • Korean Journal of Heritage: History & Science
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    • v.42 no.4
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    • pp.152-171
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    • 2009
  • The Dancheong(丹靑) of the main building of Mihwangsa Buddhist Temple(美黃寺) in Haenam(海南) is the leading work of the Jeolla Dancheong style, which was created in the 18th century and has been passed down to the early modern days, and boasts its excellence and originality. On the outside, one can only see the traces of the Dancheong due to the colors that fell off and deteriorated severely. On the inside, however, the general Dancheong pattern is accompanied by the painting of 1,000 Buddhas(千佛圖), which is hardly found in other Buddhist temples, and the Arahan painting, which is truly magnificent in technique and can pass as an independent painting. The Dancheong also has unique methodological characteristics that can't be found in other Dancheong works such as the painting and attaching technique. The Dancheong inside is estimated to have been created in 1754 considering the records of "Dalmasan Mihwangsasa Daebeopdang Jungsusangryangmun(達摩山美黃寺大法堂重修上樑文)", the calligraphical writings of "Mudeungsanindanhwakya(無等山人丹?也)"and "Geonryungshipgu(乾隆十九)" left in the Jungryang, and the style characteristics reflected in the Dancheong patterns and the painting of 1,000 Buddhas. The fact that there are no traces of re-Dancheong also supports the estimation that the Dancheong was created in the absolute age of 1754. The absolute age will be the reference of deciding the chronological years of Dancheong patterns and be helpful in examining the characteristics and changes by the periods. There were certain style characteristics in Dancheong by the periods and regions. The Dancheong of Jeolla region also had its own style, which includes the tendency of finishing with two- or three-fold green belts without giving meokdanggi to the meoricho and the huge jar decoration of huigol. Treating the baetbadak of all materials, whether it's Geumdancheong or morodancheong, with lines of certain thickness and colors is another style of Jeolla Dancheong from the 18th to the 20th century. The Dancheong of the Geukrakbojeon(極樂寶殿) of Cheoneunsa Buddhist Temple and Daewoongbojeon(大雄寶殿) of Naesosa Buddhist Temple in Jeolla is especially noteworthy in that it bears similar patterns and techniques to that of the main building of Mihwangsa Buddhist Temple in addition to the characteristics mentioned above. The Dancheong of Mihwangsa Buddhist Temple must have exerted so great influences on that of the two temples that it's called "the style of Mihwangsa Buddhist Temple."When adopting a broader point of view, it can be classified as one of the Dancheong styles of Jeolla. The common icons and techniques found in the Dancheong of Mihwangsa, Cheoneunsa, and Naesosa Buddhist Temple provide some clues about the influential relationships among painters of the days. They may have been created by the painters of the same school or the painters affected by those who created the Dancheong of Mihwangsa Buddhist Temple.

The Change of Phytoplankton Community Structure and Water Quality in the Juksan Weir of the Yeongsan River Watershed (영산강수계 죽산보의 식물플랑크톤과 이화학적 변화)

  • Son, Misun;Chung, Hyeon Su;Park, Chang Hee;Park, Jong-hwan;Lim, Cheahong;Kim, Kyunghyun
    • Korean Journal of Environmental Biology
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    • v.36 no.4
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    • pp.591-600
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    • 2018
  • The objective of this study was to determine the changes in phytoplankton and long-term water quality of Juksan-Weir in Yeongsan River that took place between April 2010 and December 2015. The number of species used in this study was 288, which consisted of 6% of Cyanophyta, 26% of Bacillariophyta, 53% of Chlorophyta and the others (15%). The standing crops of phytoplankton ranged from $500cells{\cdot}mL^{-1}-29,950cells{\cdot}mL^{-1}$ with an average of $7,885cells{\cdot}mL^{-1}$. At the two site, 20 dominant genera of found. The dominant genera were 6 of Bacillariophyta, 6 of Cyanophyta, 7 of Chlorophyta and 1 of Cryptophyta. The most dominant genus among the phytoplankton was Stephanodiscus sp. (Total 59%, each 54% and 63%). The most dominant genus among the Cyanophyta was Microcystis sp., which had a cell abundance ratio of 17%. The results of two sites were 21% and 13%, and the upstream was higher than the downstream.

Basic Study on the Building Principles of Structure in Mireuksaji Stone Pagoda (미륵사지서탑 축조의 구조 원리에 관한 기초 연구 6~7세기 전반 목탑과의 비교분석을 중심으로)

  • Cho, Eun Kyung
    • Korean Journal of Heritage: History & Science
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    • v.42 no.2
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    • pp.86-109
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    • 2009
  • Mireuksa Temple was founded during the reign of King Mu of Baekje(AD 600-641). The circumstance of the construction of this temple is documented in "Memorabilia of the Three Kingdoms (Samgukyusa)". The pagoda named stone pagoda at Mireuksaji temple stands outside the main sanctuary of the western area. The south and west sides of the stone pagoda have completely collapsed, leaving only the eastern facade of six of its levels intact. Through the recent discovery of sarira reliquary we can see that the erection of this pagoda was in 639. So owing to accumulation of excavation results about Baekje temple site and vigorous academic exchange, it is possible that architecture of western pagoda at Mireuksaji temple can be understood in connection with the architectural development of wooden pagoda from 6th to early 7th century in East Asia. So this study is on the consideration of building of this pagoda putting first structure of upper part and cross-shaped space in 1st floor. It was considered that the material characteristics as stone could be applied to the temple pagoda architecture of large scale. The results are as follows. First, it had been built in recognition that the outer and inner part of pagoda should be separated. As it is the expression of structural system in temple pagoda architecture of large scale at that time. In pagoda there was a self-erected structure and the members of outer part of it were constructed additionally. Second, in Mireuksaji stone pagoda there is central column with stones. With inner part of pagoda it can be regarded as mixed structural system that constitutes central contral column and inner structural part. And it could be a kind of middle step to more developed structure of whole as wooden pagodas in Japan. Third, as the sarira reliquary was in central column on the first floor, the cross-shaped space could be made. The formation of this space was so on the natural meaning of sarira that the concept as memorial service of graves could be apllied to the pagoda. The style of tomb in Baekje was expressed to the space of 1st floor in pagoda where Sarira had been mstalled. That was not only effective presentation of symbolic space but also easier method in the use of same material.

Studies on the Spacial Compositions and the Characteristics of the Alter System at Daebodan in the Changdeok Palace (창덕궁 대보단(大報壇)의 공간구성과 단제(壇制) 특성에 관한 고찰)

  • Jung, Woo Jin;Sim, Woo Kyung
    • Korean Journal of Heritage: History & Science
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    • v.46 no.1
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    • pp.318-345
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    • 2013
  • This study was carried out with a focus on the factor on the periodical space organization of Daebodan (大報壇: the altar of great recompense) in Changdeok Palace, which is significant in terms of political history in the late Chosun Dynasty, and consider the factors in the formation of the structural system through historical records and drawings. Daebodan has the ideology of righteousness to the Ming Dynasty which the hierarchy of the Joseon Dynasty. who felt the crisis of the domination order, imposed as a solution after the Manchu war of 1636. In addition, Daebodan was built by complex factors that entailed the self-esteem of the 'Joseon Centralism Ideology (朝鮮中華)' and the desire of the sacrificial rituals for Heaven that were imminent to the kings of Joseon. Superficially, Daebodan has the spatial organization of the Sajik (社稷) Altar and the placement of an annex building, but had the applied placement due to limited topography and access to the backyard. Furthermore, the lateral structure of Daebodan multiply accepted various factors of the nine step's stairs, the hight of five cheok (尺), the circumstance of two floors that were showed in the altar and platform with small fences and an imperial order including the internal form of Hwangjangbang (黃帳房). Moreover, the name of the alter came from 'the Jiaote Sheng Book of Rites(禮記 郊特牲)' representing 'the suburban sacrifice ritual for Heaven (郊天)', and it was built by not only combining the system of the Sajik Altar in the Joseon Dynasty and China but also avoiding 'excessive etiquette (僭禮).' The point is a remarkable feature shown by the structural system of Daebodan. Thus, it is considered that the 'Notion of Confucian-Cultural Succession (中華繼承意識)' and the desire of the sacrificial rituals for Heaven were expressed by the structure and form of altar. This study examined the process of the creation, expansion, decline and disposal of Daebodan in a chronological order, and found that the ruling ideology of the governing elite by the political and cultural background of the era at each transitional point was reflected in the spatial formation of the altar. On the other hand, as a result of performing a field survey to find the location in accordance with Daebodan in drawing materials, there remains items such as worked stones from Daebodan, precast pavers and fragments of proof tile discovered in the surrounding of tora vine (Actinidia arguta) which is a natural monument of Changdeok Palace. As such, verification through future excavation and investigation is required.

The Study of Keumcheonchang in ChungJu (충주 금천창 연구)

  • Cho, Gil Hwan
    • Korean Journal of Heritage: History & Science
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    • v.41 no.1
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    • pp.35-55
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    • 2008
  • This paper is written to results of excavated ChungJu ChangDong site located in ChungJu and the article Keumcheonchang in Joseonwangjosilrok. The structure rerics of compositing cornerstone-distance 420cm has been showing to Keumcheonchang of legend in region people. The solution to problems is that the enforcement of the river-shipping service linking Han River and NakDong River. King Taejong commanded the new tax-warehouse of 200 Kan to built at Keumcheon in ChungJu and named Keumcheonchang for the receipt of innner region and KyengSang Province. King Sejo established the foundation of the government owned tax-grain transportation systerm for the strong centralization by the sovereign right. This logistic system is gone the middle and the latter of Joseon Dynasty. Joseon Dynasty is absolutely dependent the national finance for government operation on the tax-grain from HaSamDo(ChungCheong JeonLa KyengSang) region. JoUn(tax-grain transportation by shipping) is the best logistic system in Korea surrounding sea. Joseon Dynasty has refomed the logistics base on GoRyeo's system that the Tax-grain transportation system by shipping. There is the tax-warehouses reducing from 13 numbers to 9 numbers and making up for the weak points in the matter of the Japanese Pirate and the ship wreck in transporting in the sea. The ship wreck in the sea specially make the matters of the reducing tax and political issues. We know that Keumcheonchang is operated ChuaSuCham(the government agency for taxgrain transportation by shipping at a warehouse) from King Taejong 11(1,411)year to King Sejo 11 (1,465)year. There is the result of enforcement the river-shipping service system for social stabilization and forward their new ideal in the first half Joseon Dynasty.

On the Origin and Development of Iconography of the Twelve Zodiac Signs of Royal Tombs of Joseon Dynasty (조선왕릉 십이지신상(十二支神像)의 도상(圖像) 원류와 전개 과정)

  • Kim, Ji Yeon
    • Korean Journal of Heritage: History & Science
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    • v.42 no.4
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    • pp.198-221
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    • 2009
  • Royal tombs of Joseon dynasty are the crystallization of history, ideology, culture, art, architecture, and ritual ceremony of Joseon dynasty, all mingled in one. So, they are very significant symbols showing 500 years of dynastic history as a whole. Among various factors comprising a royal tomb, stone figures surrounding grave mound are special factors as a symbol protecting it. Further among them, twelve zodiac images arrayed nearest to the grave mound represent the core of the function. Images of twelve zodiac signs originated from the tombs of the Unified Silla Kingdom are certain to hold important role and position in the construction of royal tombs, judging from huge scale and excellent sculptural art of them. However, both their scale and form had been gradually simplified in Goryeo and Joseon dynasty, thus the importance of them has been underestimated compared to other stone figures Images of twelve zodiac signs were very important factors which decorated royal tombs both as a protective role and as a concept of direction. Their historicity and symbolism cannot be neglected in that they had been transmitted to the royal tombs of Joseon dynasty. In this paper, images of twelve zodiac signs expressed in the royal tombs of Joseon dynasty are classified into 3 forms, and reviewed the origin and development of them for each period. They could be classified into 3 forms ; civil vassals with human body and head, civil vassals with human body and head wearing hat decorated with zodiac animals, Chinese characters of either zodiac signs or either a combination of 10 calendar signs and 8 trigrams. The above 3 forms originated from China and became a favorite motif to decorate the royal tombs from early Joseon period until late Joseon by replacing each other and thus changing along the course of the dynasty. In the meantime, we can see a unique character in the images of twelve zodiac signs of royal tombs of Joseon dynasty. In some cases, 24 directions are expressed in which 10 calender signs and 8 trigrams are composed altogether. Images of twelve zodiac signs in the royal bombs of Joseon dynasty are very significant as evidences by which we can confirm uniqueness and tradition of Korean tomb system transmitted from Unified Silla period.

A Study on the Taeshil of Great King Jungjo of Joseon (조선 정조대왕 태실 연구(朝鮮 正祖大王 胎室 硏究) - 태실석물(胎室石物)의 구조(構造)와 봉안유물(奉安遺物)의 특징(特徵) -)

  • Yun, Seok In
    • Korean Journal of Heritage: History & Science
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    • v.46 no.1
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    • pp.76-101
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    • 2013
  • In this article, we examine the Taeshil of King Jungjo, the 22nd King of the Joseon dynasty located in Yongwol, Gangwondo. The Jangtae culture - burial of the navel cord - is a unique Royal ritual which began during the Shilla dynasty and continued to be carried out for a long period until the Koryo and Joseon dynasties. Until today, about 300 Taebong sites have been discovered, most of which are the Taebong of the decedents of the royal family of the Joseon Kingdom. Most Taeshils built for Kings of the Joseon dynasty were destroyed during the Japanese colonial period, among which only a few have been recovered and managed across the nation. The Taeshil of King Jungjo is one of the leading examples among existing Taeshils in Korea which has managed to preserve well enshrined relics as well as literature documents including stone relics in perfect sets. Thus, in order to examine the Taeshil of King Jungjo comprehensively, first of all literary materials related to the construction of King Jungjo's Taeshil such as the Josunwangjosilrok - "Annals of the Choson Dynasty (朝鮮王朝實錄)". "Jungjongdaewang Taesilgabong Euigwe (正宗大王胎室加封儀軌) - Royal activities related to Taeshil, and local historic documents etc were searched and put together, while a focus was placed on examining the geographical location and state of the Taebong, including the specific style of each part of the Taeshil stone and characteristics of enshrined relics. Such materials are believed to have important utility in the future as a basic material to be used for research, maintenance, and restoration of Taeshil relics. So far, Taeshil relics is a field that has not been able to attract much attention from the academic world, however attention has begun to be paid to Taeshil relics due to recent archaeological excavations as well as an approach to artistic history. Academic research results are expected if Taeshil relics are able to be examined comprehensively in future covering various areas such as literature history, archaeology, and artistic history etc.

First Observational Finding of Submesoscale Intrathermocline Eddy in the East Sea using Underwater Glider (수중글라이더를 활용한 동해 아중규모 중층성 소용돌이 발견)

  • PARK, JONGJIN
    • The Sea:JOURNAL OF THE KOREAN SOCIETY OF OCEANOGRAPHY
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    • v.24 no.2
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    • pp.332-350
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    • 2019
  • Zonal hydrographic section measurements at $39.7^{\circ}N$ were conducted between $129.0^{\circ}E$ and $131.3^{\circ}E$ from August 7 to 25 in 2017 using an underwater glider. The glider traveled about 440 km for about 18 days along the 106 line of the regular shipboard measurements in the National Institute of Fishery Science (NIFS) and obtained twice a hydrographic section with high horizontal resolution. Even under the strong East Korea Warm Current with maximum speed of 0.8 m/s across the section, the glider successfully maintained the designated path within an RMS distance of 400 m. By comparing with the NIFS shipboard hydrographic section, it is confirmed that high spatial resolution measurements obtained from a glider were necessary to properly observe front and eddy variability in the East Sea where a typical spatial scale is smaller than the open oceans. From the glider section measurements, a new lens-shaped eddy was found in the thermocline. The lens-shaped anticyclonic eddy had 10~13 km in horizonal width and about 200 m in height like a typical submesoscale eddy resided within the thermocline, which was firstly named as Korea intrathermocline eddy (Keddy). The Keddy has the distinguishing characteristics of a typical intrathermocline eddy, such as a central core with anomalously weak stratification, a convex shaped lens bounded by the stratification anomaly, an interior maximum of velocity at 170 m, no surface appearance of the geopotential field, a small or comparable horizontal width relative to the first baroclinic Rossby radius of deformation, and the Rossby nubmer of 0.7.