• Journal of the Korea Academia-Industrial cooperation Society
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• v.12 no.12
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• pp.5601-5613
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• 2011

The purpose of this paper is to better understand the socio-economic differentials of Internet access and use. Data from '2008 Korean Internet usage behavior' were used to conduct logistic regression analysis. The findings show that there are significant socio-economic(age, gender, educational attainment, employment situation, and Internet access type) disparity in Internet access(Internet access at home, broadband Internet access). Also socio-economic variables enter in as statistically significant in most specifications for Internet use intensity (Intensive internet use, frequent internet use, less frequent internet use). The gender, household income and education attainment explanations for large differential in Internet use intensity are generally very similar. It is shown that age, education attainment and household income level cause a large digital divide on Internet service use(information use, communication and community use, e-commerce use, Internet banking use).

• Annual Conference of KIPS
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• 2005.05a
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• pp.1541-1544
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• 2005

모바일이란 본래 ‘움직일 수 있는’ 이라는 뜻으로, 휴대폰과 휴대용 개인 정보단말기(PDA) 등과 같이 이동성을 가진 것들을 총칭한다. 최근 휴대폰을 인터넷에 접속하여 입출금 등의 은행 업무를 보는 모바일뱅킹, 온라인 게임을 하는 모바일게임, 영화를 실시간으로 보는 모바일영화 등 다양한 서비스가 제공되고 있으며 새로운 모바일서비스가 생겨나고 계속 개발 되고 있다. 본 연구에서는 인터넷 가계부의 단점을 보완할 수 있는 모바일 전자장부 시스템을 제안한다. 이 시스템은 언제 어디서나 지출수입내역을 확인하고 기록이 가능하며 인터넷과의 연동으로 전체적인 개인경제의 흐름을 확인할 수 있다.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.32 no.5
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• pp.827-835
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• 2022

In order to use online financial services, user authentication technology is necessary. Password check through keyboard typing is the most common technique. However, since it became known that key stokes on the keyboard can be intercepted easily, many Internet banking services and easy payment services have adopted the virtual keyboard. However, contrary to the expectation that the virtual keyboard will be safe, there is a risk that key strokes on the virtual keyboard can be leaked. In this paper, we analyzed the possibility of password leaking on the virtual keyboard and presented a password leaking method using mouse event hooking and screen capture in PC operating system. In addition, we inspected the possibility of password leak attacks on several famous Korea Internet banking websites and simple payment services, and as a result, we verified that the password input method through the virtual keyboard in the PC operating system is not secure.

• Journal of Digital Convergence
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• v.14 no.9
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• pp.139-147
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• 2016

Korea is ahead of the launch of internet banking professional following to America, Europe and Japan. Internet banking is a professional non-store bank to conduct business such as deposits and loans on the internet and call centers. It is operating in a low-cost structure and minimizes the loans and deposits, various fees than traditional banks and obtains a profit. In order to be successful internet banking professional to develop a differentiated work with the existing banks should be competitive. In this paper, we explore and analyze the cases of Japan and the United States to present the future direction of domestic Internet banking professional future. Also it is expected to enable faster and more convenient one-stop financial services. Internet specialized bank is expected to continue to develop further by the inevitable competition with conventional banks as developing differentiated financial services. Deregulation of banks and industries and participation of various companies of security, insurance, telecommunications, and retail are expected to lead to the convergence among industries and development of new financial services.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.6 no.2
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• pp.25-50
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• 2011

The purpose of this study is to investigate the difference of performance between banks with electronic-based banking service and banks without electronic-based banking service in Korea. The performance indicators we use are DEA efficiency and profitability such as NI, ROA and ROE. The findings are that the performance of bank with electronic banking service are significantly different from that of bank without electronic banking service in DEA efficiency, financial efficiency(cost and revenue) and profitability. But there are some differences among the type of electronic-based service channel that banks provide. The banking channels comprise two major groups: the traditional channels and e-channels. E-channels provide cost-saving for banks and their clients. Among them, only card-related ATM significantly affects the profitability of banks in the positive direction, and technical efficiency also affects the bank's profitability. But the others do not affect.

• The Journal of the Korea Contents Association
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• v.18 no.8
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• pp.109-117
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• 2018

The launch of internet-only banks has brought many changes. As the existing commercial banks and internet-only banks have started the infinite competition, the maintenance of relationships with customers or the creation of new customers is important. For this, it is meaningful to understand the aspect of customers' perception of value. Thus, this study conducted the empirical analysis on the attitude of the existing phone-banking users after the launch of internet-only banks. First, the reliability and mobility out of the characteristics of the existing mobile service of commercial banks had effects on the perceived switching value while the reactivity had no effects on it. Second, in the results of understanding the effects of diverse benefits from internet-only banks on the perceived value, the economic benefit and convenient benefit had positive(+) effects on the perceived switching value. Lastly, the perceived switching value had positive(+) effects on the use intention.

• Proceedings of the Korea Institutes of Information Security and Cryptology Conference
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• 2006.06a
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• pp.93-96
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• 2006

최근 국내외적으로 인터넷 기술 및 기반 시설의 증가와 이러한 인프라를 바탕으로 인터넷 뱅킹, 전자상거래와 같은 다양한 서비스의 이용률이 높아지고 있다. 그러나 이러한 시스템을 사용하기 위해서는, 서비스 제공 업체에게 일정의 금액을 지불해야 하거나 인증서 관리 및 확장에 있어 개발 업체의 규정에 준수해야 하는등 몇몇 불편한 사항이 있다. 따라서 본 논문에서는 국제 표준 규격을 따르며 편리하고 효율적으로 인증서를 확장할 수 있는 인증 체계와 중/소규모(small and medium) 인증 시스템에 적용할 수 있는 인증서 관리 시스템을 연구하고자 한다.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.16 no.9
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• pp.6282-6289
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• 2015

Today, there is an increasing number of cases in which certificate information is leak, and accordingly, electronic finance frauds are prevailing. As certificate and private key a file-based medium, are easily accessible and duplicated, they are vulnerable to information leaking crimes by cyber-attack using malignant codes such as pharming, phishing and smishing. Therefore, the use of security token and storage toke' has been encouraged as they are much safer medium, but the actual users are only minimal due to the reasons such as the risk of loss, high costs and so on. This thesis, in an effort to solve above-mentioned problems and to complement the shortcomings, proposes a system in which digital signature for Internet banking can be made with a simply bio-authentication process. In conclusion, it was found that the newly proposed system showed a better capability in handling financial transitions in terms of safety and convenience.

• Journal of Information Technology Applications and Management
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• v.10 no.4
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• pp.119-133
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• 2003

맞춤형 금융상품 설계시스템(Financial Product Factory System)이란 온라인으로 접근하는 고객의 요구사항을 고려하여 고객에게 가장 적합한 금융상품을 실시간으로 설계하여 제공하는 시스템이다. 최근 들어 인터넷 뱅킹 고객의 수가 급증함에 따라 맞춤형 금융상품 설계시스템의 필요성이 대두되고 있으나, 이러한 시스템의 정의나 성격, 필요 기능, 구축 방안에 대한 연구가 되어 있지 않은 실정이다. 본 연구에서는 맞춤형 금융상품 설계시스템의 정의를 내리고, 이 시스템이 갖추어야 할 요구사항을 시스템과 서비스 측면에서 분석한 후, 이 요구사항을 반영하는 시스템의 아키텍처를 제안ㆍ구현한다

• Proceedings of the Korean Information Science Society Conference
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• 2002.10c
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• pp.550-552
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• 2002

인증서기반의 인터넷뱅킹과 온라인증권거래에서, 금융거래 서비스 제공자는 많은 사용자의 인증서상태 검증이 요구된다. 금융거래 서비스는 사용자 인증서상태를 실시간의 검증이 보장되어야 한다. 인증서 상태 검증을 위해 기존의 CRL(Certificate Revocation List), Delta CRL, Freshest CRL과 실시간 인증서상태 검증을 위하여 OCSP(Online Certificate Status Protocol)의 표준이 제안된 바 있다. 실시간성과 검증속도는 상호 대비되기 때문에 응용프로그램의 특성을 고려하여 인증서상태 검증방법을 채택한다. 본 논문에서는 CRL의 갱신되기 이전의 폐지에 대하여 실시간으로 전송하는 시스템을 설계한다. 제안하는 인증서폐지 전송서버는 서명자의 검증자 리스트를 관리하여 금융거래 사용자가 CA에 폐지를 요청하면 사용자가 이용하는 금융거래 서비스 제공자들에게 실시간으로 폐지를 고지한다. 본 논문은 CRL 생성이후 갱신까지의 인증서 폐지정보를 검증자에게 전송하여 인증서의 실시간 상태정보를 유지하면서 OCSP보다는 검증속도를 향상시켜 금융거래 환경에서 향상된 효율성을 제공한다.