• 정보화사회
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• s.140
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• pp.54-58
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• 2000

• Journal of the Korea Convergence Society
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• v.1 no.1
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• pp.93-100
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• 2010

Diverse kind of attack using the vulnerability of user authentication on Internet service is announced recently. Especially, security accidents on the Internet banking service and Internet telephony service(SIP) are increased rapidly. Attack skills are also evolved into intelligent mechanism. Therefore, more enhanced authentication mechanism is required on existing Internet banking and telephone services for preventing those kinds of attacks using personal identity information such as biometric data. In this research, the proposed B-OTP mechanism can be used to enhance security on a user authentication procedure by combining biometric data with existing OTP mechanism. As a result, the security on internet banking and Internet telephone service will be more improved by using proposed B-OTP mechanism.

• Digital Contents
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• no.10 s.101
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• pp.32-37
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• 2001

무선 인터넷 서비스의 수요는 국내외적으로 크게 증가하고 있으며 2003년경 전 세계 무선 인터넷 사용인구가 6억 명에 이를 것이라는 전망이 나오고 있다. 이러한 급속한 발전에 비해 무선 인터넷 관련 기술은 아직 초기 시작 단계이다. 무선 인터넷 서비스 제공을 위한 프로토콜을 이용한 이동통신관련 업체들이 주축이 되어 개발하고 있으나 아직 표준화가 확립되지 않은 상태이다. 또한 무선 인터넷을 이용한 뱅킹 서비스, 주식 거래, 온라인 쇼핑등의 전자상거래 서비스를 원활히 제공하기 위해서는 유선 인터넷과 마찬가지로 보안 문제가 해결되어야 하나 아직 국제적인 표준화가 진행중에 있는 실정이다.

• Journal of Internet Computing and Services
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• v.18 no.4
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• pp.69-78
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• 2017

We expect that the accredited certificate-based open banking, which is actively deployed in recent times, will solve the Galapagosization problem of the existing accredited certificate-based closed banking by supporting standard communication protocol and web compatibility. However, it is questionable how much the open banking will answer the security and usability problems of the existing closed banking. This paper is focused on analyzing the differences between the existing closed banking and the open banking, and then evaluates how much the security and usability problems of the existing closed banking are resolved by the open banking. The study firstly analyzes the security vulnerabilities raised in the process of providing closed banking services for the past 15 years or more, the countermeasures applied to enhance security, and the convenience impact of countermeasures. And then, the security and convenience of the open banking is inferred by analyzing the implementation difference between the closed banking and the open banking. The paper also briefly discusses how to improve the open banking to resolve the remaining problems of the open banking.

• The Journal of Society for e-Business Studies
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• v.23 no.3
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• pp.111-128
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• 2018

Today the paradigm of the financial services industry is shifting to mobile banking, and each financial company provides a variety of mobile banking services. Because of the innovation of mobile banking service, the Internet Only Bank has been launched recently. However, the actual number of users is far less than the number of subscribers. The purpose of this study is to investigate the factors affecting the intention to use of Internet only banking service by applying Task-Technology Fit (TTF) theory. In order to carry out this research, we conducted a survey on the user of the Internet only banking services, tested the measurement validity/reliability analysis and derived structural equation model. The results indicate that there are significant correlations between technology characteristics and task-technology fit and between task-technology fit and continuance intention. The results of this study are expected to provide implications for securing and maintaining the users of Internet banking providers.

• Informatization Policy
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• v.21 no.3
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• pp.102-127
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• 2014

Although mobile banking provides cost-saving opportunities as well as convenient banking experience for customers, today's banks still face challenges when deploying the technology because a good number of customers are reluctant to use mobile banking for personal reasons. This paper is an empirical investigation of the determinants of the intention to use smartphone-based mobile banking services. The determinants are grouped into two categories including personal factors and social influence factors. We conducted an empirical analysis using 751 survey responses collected from present users of mobile banking services. The results of the analysis reveal that all the personal factors have positive relationships with the intention to use mobile banking services. On the other hand, it was found that of the social influence factors, perceived herding behavior has significantly positive relationship with the intention to use smartphone-based services, whereas subjective norm is not significantly related to the intention. We provide practical as well as academic implications of the research findings.

• Review of KIISC
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• v.17 no.3
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• pp.18-25
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• 2007

지난해 말 전자금융 서비스 가입자 수가 6500만 명을 넘어섰으며, 올해로 도입 10년째를 맞이하고 있는 인터넷 뱅킹 서비스는 유비쿼터스 시대와 맞물려 우리 생활 깊숙이 자리 잡았다. 은행을 방문하지 않아도 일상생활에서 쉽게 접할 수 있는 전자매체를 통해 금융거래를 할 수 있다는 편리함으로 전자금융서비스를 이용한 거래가 창구거래보다 높은 상황이며, 전자금융거래 이용도는 계속 증가할 전망이다. 그러나 이러한 편리함 이면에는, 전자금융의 보안 허점을 노린 해킹시도가 끊이지 않고 있으며, 2005년 5월 인터넷 뱅킹 사고를 시작으로, 2007년 1월 대형 은행 고객정보 대량 유출 피싱 사건, 2007년 2월 공인인증서 유출로 인한 은행 불법 인출 사건 등 금전적인 이득을 노린 금융보안 사고들이 발생하고 있다. 최근 정부에서는 이러한 보안위협으로부터 사용자의 금융정보를 보호하고, 안전한 전자금융서비스를 제공하고자 "전자금융거래 안전성강화 종합대책"을 발표하였고, 이의 일환으로 기존 보안카드보다 보안성이 높은 OTP 기기를 개인고객에게도 도입하도록 하는 방안을 추진하고 있다. 본 논문에서는 일반 전자금융 서비스 고객에게도 확대되어 사용될 것으로 기대되는 OTP 기기의 기술 현황 및 국내 금융권 OTP 도입사례를 살펴보도록 한다.

• Review of KIISC
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• v.10 no.4
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• pp.41-51
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• 2000

무선 인터넷 서비스가 국내외적으로 크게 증가하고 있으며 2003년경에는 세계 무선 인터넷 사용인구가 6억 명에 이를 것이라는 전망이 나오고 있다. 그러나 무선인터넷이 보다 활성화되고 이를 이용한 뱅킹 서비스, 주식거래, 온라인 쇼핑 등의 전자상거래 서비스가 원활히 제공되기 위해서는 보안기술의 적용이 필수 사항이다. 본 고에서는 WAP(Wireless Application Protocol)을 위한 전자서명인증 및 키 분배용 모델을 제시함으로써 국내 무선공개키기반구조 구축시 발생할 수 있는 혼란을 최소화하고 국내 무선 인터넷 인증 관련 기술의 발전과 응용 서비스를 활성화시키는데 기여하고자 한다.

• Convergence Security Journal
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• v.2 no.2
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• pp.29-38
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• 2002

Everyday demand of wireless internet is increasing. Security problem is certainly resolved for wireless internet activation. Especially problem is only wiretap in mobile communication with voice, but problems, user authentication, data integrity guarantee etc., are resolved in data-services that have commercial transaction over simple data information service such bill, banking. Necessity of wireless PKI that can offer security service likely in wired environment is requested for offering security service in wireless environment. For offering security services, confidentiality, integrity, non-repudiation etc, that of offered in wired environment in wireless environment, first it must construct wireless PKI infrastructure and do service activity. This paper analyze various wireless internet technology for offering safe wireless internet service and wireless PH standards. Performance Result of this paper expect activity of safe wireless PH service and activity of electronic commercial transaction used wireless internet such banking service, bill transaction, online shopping.

• The Journal of Society for e-Business Studies
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• v.11 no.3
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• pp.13-34
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• 2006

Mobile technology-supported services have become one of the inevitable parts of present people's lives and mobile business have been spreading remarkably fast. This study is to find out key parts for popularizing mobile banking services by clarifying mobile banking acceptance factors and to get some practical tips for service providers and users. The results show that innovation and functional risk are found to have a significant effect on the use intention. And social influence and institution-based trust factors are found to have a strong positive effect on use intention.