• Review of KIISC
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• v.11 no.4
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• pp.1-8
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• 2001

전자지급결제시스템은 기존의 실물화폐 개념을 네트워크상으로 옮겨 디지털화한 무형의 지급결제 수단을 이용하여 전자상거래 또는 일반 거래에서도 원활하게 대금 지급이 이루어질 수 있도록 하는 시스템을 의미한다. 최근 전자상거래의 확산으로 그 사용이 증대되고 있는 전자지급결제 시스템과 전자지급결제 프로토콜에 대하여 살펴보고, 현재 국내의 전자지급결제 시스템에 대한 현실과 문제점, 그리고 그 해결을 위한 방안을 제시한다.

• The Journal of Society for e-Business Studies
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• v.26 no.3
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• pp.21-32
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• 2021

Due to the recent development in electronic financial services, transactions of electronic prepayment are rapidly increasing. The increased transactions of electronic prepayment, however, also leads to the increased fraud attempts. It is mainly because electronic prepayment can easily be converted into cash. The objective of this paper is to develop a methodology that can effectively detect fraud transactions in electronic prepayment, by using sequential pattern mining techniques. To validate our approach, experiments on real transaction data were conducted and the applicability of the proposed method was demonstrated. As a result, the accuracy of the proposed method has been 95.6 percent, showing that the proposed method can effectively detect fraud transactions. The proposed method could be used to reduce the damage caused by the fraud attempts of electronic prepayment.

• The Journal of Information Technology
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• v.3 no.3
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• pp.77-88
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• 2000

Electronic Commerce increased rapidly according to the growing popularity of Internet. but payment system are not changed. Now main payment system of electronic commerce are credit card and cyber banking system. Then credit card has some problems safety, privacy etc, and cyber banking system has some problem also. We need new payment system to Electronic Commerce. The merit of electronic money are more capacity, more secure, more reliable, quick and easy to update, secure off-line processing, enabling technology etc than credit card and cyber banking system. And so many countries began using experiment of electronic money and our country began July KOEX building. But it has some problems (standardization, safety of payment, etc). Therefor we must make nile about electronic money in order to standardization and safety of payment. After then electronic money are used widely in electronic commerce.

• The Journal of the Korea Contents Association
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• v.22 no.7
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• pp.63-72
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• 2022

With the advent of cryptocurrencies such as Bitcoin in 2009, the paradigm of money, a means of payment, has been changing significantly. And it has a great impact on our daily lives. Thus central banks have attempted various analyzes on the issuance and impact of digital currencies including electronic payments but a study on which issuance method is suitable is insufficient. In this study, the issuance of digital currency was analyzed compared to the electronic payments which are currently used. As a result, the account-based model did not show any significant differences from the current RTGS(real-time gross settlement systems) and retail payment systems. But the token-based model is expected that it can improve the efficiency of finance and induce technological innovation in the financial field. However, it was analyzed that this model would weaken the intermediary function of financial institutions such as loans due to the characteristics of digital signature technology. In addition, in order to protect consumers against security attacks such as hacking and phishing of CBDCs, legal and institutional supports similar to the current electronic payment method are required, and continuous technology development efforts are also required for the CBDC issuance model to maintain convenience and anonymity equivalent to cash.

• Information Systems Review
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• v.23 no.3
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• pp.177-200
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• 2021

Recently, the use of prepaid electronic payments such as electronic wallets, digital currency and prepaid points is gradually increasing. Prepaid electronic payments has the characteristic of being used after charging first. This study empirically investigated the factors affecting the intention to use online charging in order to help improve the service that require prepaid recharge by applying transformed TAM. Since there are not many previous studies for the intention to use online charging, we extract factors through preceding researches for electronic cash and mobile easy payment. Also we analyze the intention to use online charging for transportation card users, focusing on the moderating effects. As a result of the study, it was found that 'convenience', 'ubiquity', and 'self-efficacy' among the independent variables had a positive (+) effect on mediation variable 'perceived usefulness'. 'Perceived usefulness' was analyzed to have a significant influence on the dependent variable 'usage intention'. According to users' gender, internet usage time, internet shopping frequency, online charging frequency and transportation card usage type, the moderating effect was significant on 'perceived usefulness' and 'usage intention'. As an implication, it was suggested that service improvement and differentiated marketing are needed in direction of increasing the usefulness of services. Additional research directions were proposed for services such as e-wallets, prepaid points and digital currencies by adding other factors and moderate variables.

• The Journal of Society for e-Business Studies
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• v.27 no.2
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• pp.65-77
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• 2022

Due to the recent development in electronic financial services, transactions of electronic prepayment are rapidly growing, leading to growing fraud attempts. This paper proposes a methodology that can effectively detect fraud transactions in electronic prepayment by machine learning algorithms, including support vector machines, decision trees, and artificial neural networks. Actual transaction data of electronic prepayment services were collected and preprocessed to extract the most relevant variables from raw data. Two different approaches were explored in the paper. One is a transaction-based approach, and the other is a user ID-based approach. For the transaction-based approach, the first model is primarily based on raw data features, while the second model uses extra features in addition to the first model. The user ID-based approach also used feature engineering to extract and transform the most relevant features. Overall, the user ID-based approach showed a better performance than the transaction-based approach, where the artificial neural networks showed the best performance. The proposed method could be used to reduce the damage caused by financial accidents by detecting and blocking fraud attempts.

• 한국디지털정책학회:학술대회논문집
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• 2004.05a
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• pp.167-177
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• 2004

• Convergence Security Journal
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• v.15 no.2
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• pp.25-31
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• 2015

While information and communication develop, the Electronic commerce payment system is progressing. Recently, a government established the electronic commerce activation policy which simplified a payment Through this policy, the information which the financial company monopolizes can be fused with the other industry and create the popularization use of the electronic payment service and value added services. But on the other hand, the concern for the security is very high, Accordingly, the finnancial institute take a restriction of the requirements for the participation company according to the financial scale, this policy is led by the private institue, rather making a participation of fin tech venture difficulty. This paper tries to deal with the technical and legal problems for the activation of electronic payment system and fin tech. So I will examine the security matter that follows in grifting the innovation technology onto the existing payment service and propose a desirable way to improve the current legislation.

• 한국IT서비스학회:학술대회논문집
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• 2003.11a
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• pp.124-132
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• 2003

최근 급증하고 있는 전자상거래에서의 소비자피해를 줄이고 거래의 신뢰성을 높이기 위한 수단으로 온라인 에스크로 서비스가 이용되고 있으며, 관련 법제의 개정을 통한 제도 도입이 추진되고 있다. 매매당사자간 물품과 대금의 지급을 보장하는 에스크로 서비스는 전자상거래 소비자피해를 예방하고 사후적 피해를 실질적으로 구제할 수 있는 효과적인 거래안전장치임에 틀림없다. 하지만 소비자보호 측면뿐만 아니라 전자상거래의 지속적인 발전을 위해서는 관련된 제도적 보완이 필요하다. 우선, 현재 추진 중에 있는 전자상거래소보법의 개정 또는 기타 법률의 형태로 에스크로 서비스의 제도적 가이드라인을 제시하기 위한 입법화가 요구되며, 둘째, 온라인 거래의 당사자들이 누구라도 언제든지 에스크로 서비스를 이용할 수 있도록 에스크로 제도의 도입을 강제하되 그 이용 여부는 거래당사자간 교섭에 의해 결정토록 하는 방안을 고려해 볼 수 있다. 셋째, 안전한 대금지급을 위한 정보제공의 차원에서 에스크로 서비스의 이용에 관한 사항을 소비자가 알기 쉽도록 의무적으로 표시토록 하고, 넷째, 에스크로 서비스의 공신력 제고를 위해 에스크로 사업자의 자격에 관한 별도의 기준을 마련하여 규제하는 것이 바람직하다.

• International Commerce and Information Review
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• v.2 no.2
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• pp.155-169
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• 2000

본 연구는 새로운 국제 전자결제수단으로 개발된 무역카드(TadeCard)에 대한 검토와 활용 가능성에 관하여 검토한 것이다. 무역카드는 세계무역센터협회가 인터넷을 통하여 국제무역대금을 결제할 수 있는 전자결제시스템으로 개발되었다. 무역카드시스템은 제시되는 전자문서의 일치성 점검 및 국제무역거래의 모든 이행과정을 온라인(on-line) 상에서 전자적으로 이행되는 것을 특징으로 하고 있으며 부대비용 등 경제성 측면에서 여타 결제수단보다 우월한 결제시스템이라고 하고 있다. 그러나 가상공간을 통한 전자결제시스템은 거래당사자에게 대금지급의 확실성과 거래의 안정성 및 신속성 보장이 전제되어야 한다. 실제로 무역카드시스템은 특정 보증보험회사의 보증에 기반을 두고 있어 국제 기업간 거액거래상의 신용취급의 한계점과 금융네트워크 등에서의 취약점을 가지고 있다. 따라서 무역카드가 국제전자결제시스템으로 정착되기 위해서는 정보보안 등 기술적인 안정성이 검증되고 결제상의 신뢰성 보장을 위하여 상업은행들의 참여가 확대되어야 한다. 또한 인터넷상에서 결제가 이루어지기 위해서는 담보권과 유통성이 보장되는 볼레로전자선화 증권 등의 활용과 기존의 모든 종이문서에 의한 결제서류도 전자문서로 대체되어야 한다.