• Title/Summary/Keyword: 채널선택정보

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국내 인터넷전문은행 설립시 예상되는 전자금융리스크에 대한 대응방안 연구

  • Kim, Tae-Ho;Park, Tae-Hyoung;Lim, Jong-In
    • Review of KIISC
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    • v.18 no.5
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    • pp.33-48
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    • 2008
  • 최근 은행의 소유지분한도와 설립자본금 등에 대한 정부의 금융규제 완화로 인터넷전문은행의 설립 가능성이 높아지고 있다. 그러나 우리나라의 전자금융환경은 전자금융거래법 제정에 따라 금융기관의 입증책임을 강화함으로써 금융기관의 전자금융리스크가 상대적으로 크게 증가하였다. 또한, 정보 공격기술 및 수법의 발달로 전자금융보안에 대한 위협이 지속적으로 증가하고 있다. 이외 에도 신BIS 리스크 평가에 IT운영리스크가 포함되는 등 금융환경 변화 및 정보통신 기술의 발전으로 인한 전자금융리스크가 계속 확대되고 있는 추세에 있다. 이러한 금융환경 변화와 함께 서비스채널이 인터넷에 집중되는 인터넷전문은행은 기존의 전통적인 은행과 차별되는 리스크에 추가적으로 노출될 위험성이 높다. 이러한 리스크에 대한 인식 및 대비 부재는 금융소비자가 금융권 전자금융거래에 대한 불신으로 확산되거나, 금융시장의 불안정성을 야기하는 금융사고로 이어져 자칫 국내 전자금융의 발전을 저해하는 심각한 요소가 될 수 있다. 본 논문에서는 국내 금융환경과는 차이가 있지만, 인터넷전문은행이 가져올 전자금융의 기술적 변화는 유사하다는 점에서 해외 주요국가의 인터넷전문은행 현황과 전자금융부문을 중심으로 인터넷전문은행 설립인가 사례를 살펴보고, 국내에서 인터넷전문은행 설립시 우리가 취해야 할 입장에 대해 시사점을 얻고자 하였다. 그리고 국내 전자금융 환경에서 전통적인 일반은행과 차별되거나 인터넷전문은행 고유의 특성으로 발생되는 주요 전자금융리스크를 다섯 가지로 분석하였고, 이러한 전자금융리스크를 줄이기 위한 대응방안을 모색해 보았다. 정부의 금융규제 완화는 금융자유화를 진전시켜 금융거래가 자유경쟁원리에 입각해 이루어짐에 따라 국민경제의 발전에 있어서 바람직한 결과를 얻고자 하는 것이다. 그러나 다른 한편으로 과도한 리스크에 노출 될 경우에는 금융시장의 불안정성을 야기하고 이로 인해 역 선택과 도덕적 해이를 야기 시키는 등 여러 가지의 폐해를 줄 수도 있다 이러한 폐해를 줄이기 위해서는 인터넷전문은행의 고유한 특성으로 수반되는 리스크와 상대적으로 그 중요성이 부각되는 전자금융리스크에 대한 관리 감독을 강화해야 한다. 또한 이러한 리스크 관리강화를 위한 제도적 장치는 인터넷전문은행의 자율성과 책임성을 부여하는 방향으로 이루어지는 것이 바람직하다. 인터넷전문은행이 실질적으로 다수의 금융이용자에게 다양한 혜택과 효율적인 금융서비스를 제공하기 위해서는 초기 사업계획 심사 단계에서부터 위험성이 크게 증가하는 전자금융리스크에 대해서, 적절한 관리방안 수립을 통해 예상되는 리스크를 줄이기 위한 노력이 필요하다고 생각한다. 그리고 인터넷전문은행에 대한 구체적인 인가요건이 마련되지 못한 현 상황에서, 국내 인터넷전문은행 설립이 우리나라 전자금융거래에 발전적 역할을 할 수 있도록 앞으로 더 많은 논의와 연구가 진행될 필요가 있다.

PAPR Reduction Method for the Nonlinear Distortion in the Multicode CDMA System (멀티코드 CDMA 시스템에서 비선형 왜곡에 대처하는 PAPR 저감 기법)

  • Kim Sang-Woo;Kim Namil;Kim Sun-Ae;Suh Jae-Won;Ryu Heung-Cyoon
    • The Journal of Korean Institute of Electromagnetic Engineering and Science
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    • v.16 no.12 s.103
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    • pp.1171-1178
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    • 2005
  • Multi-code code division multiple access(MC-CDMA) has been proposed for providing the various service rates with different quality of service requirement by assigning multiple codes and increasing the capacity. However, it suffers from the serious problem of high peak to average power ratio(PAPR). So, it requires large input back-off, which causes poor power consumption in high power amplifier(HPA). In this paper, we propose a new method that can reduce PAPR efficiently by constraint codes based on the opposite correlation to the incoming information data in MC-CDMA. PAPR reduction depends on the length and indices of constraint codes in MC-CDMA system. There is a trade-off between PAPR reduction and the length of constraint codes. From the simulation results, we also investigate the BER improvement in AWGN channel with HPA. The simulation results show that BER performance can be similar with linear amplifier in two cases: 1) Using exact constraint codes without input back-off and 2) a few constraint codes with small input back-off.

User Perception about O2O Order·Delivery App Using Topic Modeling and Revised IPA (토픽 모델링과 수정된 IPA를 활용한 O2O 주문·배달 앱에 대한 사용자 인식 연구)

  • Yun, Haejung;An, Jaeyoung;Park, Sang Cheol
    • Knowledge Management Research
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    • v.22 no.3
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    • pp.253-271
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    • 2021
  • Due to the spread of COVID-19, the use of O2O order·delivery applications are becoming very common. Unlike the past, where customers could choose the desired transaction method and channel, these days, where customers' choices are very limited, it is urgent to consider the concept of shadow labor which has been hindered by the convenience and the benefits of order·delivery app. To this end, in this study, the service quality factors perceived by users of O2O order·delivery app and their shadow work attributes were identified, and priorities according to their relative importance and satisfaction level were suggested. In order to fulfill research objectives, first, after collecting user reviews for an O2O order·delivery app, the subject words were derived using topic modeling. Research variables were selected by linking 11 keywords with the concepts of previous studies on service quality of mobile apps and those about shadow labor. Eight variables of usefulness, ease of use, stability, design quality, personalization, responsiveness, update, and presence were selected. Based on 32 measurement items from the variables, a revised IPA was conducted, and finally, 'keep', 'concentrate', 'low priority', or 'overkill' service quality factors are revealed.

An Exploratory Study on the Preparation for the High School Credit System of the Home Economics Education Community through the Analysis of Operation Case of High School Credit System Research School (고교학점제 연구학교 운영 사례 분석을 통한 가정과 교육공동체의 고교학점제 준비 방안에 대한 탐색적 연구)

  • Han, Ju
    • Journal of Korean Home Economics Education Association
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    • v.33 no.2
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    • pp.1-25
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    • 2021
  • The purpose of this paper is to explore ways to prepare for the high school credit system in the home economics educational community through the case of high school credit system research school operation. To this end, the operation process of H high school in Gangwon-do, which operated a high school credit system in 2019, was monitored for 5 months, and surveys and interviews were conducted with students, parents, and teachers to determine the operation of the curriculum. Suggestions based on the case of H high school's operation of the high school credit system for home economics educational community are as follows. Home economics teachers should make active efforts to provide attractive and meaningful home economics lessons to their students by improving instruction and assessment, and implementing a variety of elective courses within the subject of home economics, including collaborative online curricula. Home economics teacher communities and related associations should build a solid network that connects local home economics subject research groups, share information related to curriculum operation, and use it as a channel for disseminating class research results. Home economics teacher training institutions should innovate the curriculum to help prospective teachers develop the ability to guide multiple classes in line with the changing teacher training policy, and develop and provide high-quality online and offline programs for field teacher re-education.

A Study on Consumer Characteristics According to Social Media Use Clusters When Purchasing Agri-food Online (온라인 농식품 구매시 소셜미디어 이용 군집에 따른 소비자특성에 대한 연구)

  • Lee, Myoung-Kwan;Park, Sang-Hyeok;Kim, Yeon-Jong
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.16 no.4
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    • pp.195-209
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    • 2021
  • According to the 2019-2020 social media usage survey conducted by the Seoul e-commerce center, 5 out of 10 consumers have experienced shopping through social media. The cost of traditional advertising media has been reduced and advertising spending on social media has risen by 74%, indicating that social media is becoming a more important marketing element. While the number of users of social media has increased and corporate marketing activities have increased accordingly, research has been conducted in various aspects of marketing such as user motivation for social media, satisfaction, and purchase intention. There was no subdivided study on the differences in the social media usage frequency of consumers in actual purchasing behavior. This study attempted to identify differences in consumer characteristics by cluster in the agrifood purchase situation by grouping them by type according to the frequency of use of social media for consumers who purchase agri-food online. Product involvement, product need, and online purchase channel Consumer characteristics such as demographic distribution, perceived risk, and eating and lifestyle in each cluster were checked for the three agrifood purchase situations including choice, and types for each cluster were presented. To this end, questionnaire data on the frequency of social media use and online agrifood purchase behavior were collected from 245 consumers, and the validity of the measurement variables was secured through factor analysis and reliability analysis. As a result of cluster analysis according to the frequency of social media use, it was divided into three clusters. The first cluster was a group that mainly used open social media, and the second cluster was a group that used both open and closed social media and online shopping malls; The third cluster was a group with low online media usage overall, and the characteristics of each cluster appeared. Through regression analysis, the effect on product involvement, product need, and purchase channel selection when purchasing agri-food online through each of the three clusters was confirmed through regression analysis. As a result of the regression analysis, the characteristic of cluster 1 in the situation of purchasing agri-food online is a male in his 30s living in a rural area who has no reluctance to purchase agri-food on social media or online shopping malls. The characteristics of cluster 2 are mainly consumers who are interested in purchasing health food, and the consumer characteristics are represented. In the case of cluster 3, when purchasing products online, they purchase after considering quality and price a lot, and the consumer characteristics are represented as people who are more confident in purchasing offline than online. Through this study, it is judged that by identifying the differences in consumer characteristics that appear in the agri-food purchase situation according to the frequency of social media use, it can be helpful in strategic judgments in marketing practice on social media customer targeting and customer segmentation.

Self-optimizing feature selection algorithm for enhancing campaign effectiveness (캠페인 효과 제고를 위한 자기 최적화 변수 선택 알고리즘)

  • Seo, Jeoung-soo;Ahn, Hyunchul
    • Journal of Intelligence and Information Systems
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    • v.26 no.4
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    • pp.173-198
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    • 2020
  • For a long time, many studies have been conducted on predicting the success of campaigns for customers in academia, and prediction models applying various techniques are still being studied. Recently, as campaign channels have been expanded in various ways due to the rapid revitalization of online, various types of campaigns are being carried out by companies at a level that cannot be compared to the past. However, customers tend to perceive it as spam as the fatigue of campaigns due to duplicate exposure increases. Also, from a corporate standpoint, there is a problem that the effectiveness of the campaign itself is decreasing, such as increasing the cost of investing in the campaign, which leads to the low actual campaign success rate. Accordingly, various studies are ongoing to improve the effectiveness of the campaign in practice. This campaign system has the ultimate purpose to increase the success rate of various campaigns by collecting and analyzing various data related to customers and using them for campaigns. In particular, recent attempts to make various predictions related to the response of campaigns using machine learning have been made. It is very important to select appropriate features due to the various features of campaign data. If all of the input data are used in the process of classifying a large amount of data, it takes a lot of learning time as the classification class expands, so the minimum input data set must be extracted and used from the entire data. In addition, when a trained model is generated by using too many features, prediction accuracy may be degraded due to overfitting or correlation between features. Therefore, in order to improve accuracy, a feature selection technique that removes features close to noise should be applied, and feature selection is a necessary process in order to analyze a high-dimensional data set. Among the greedy algorithms, SFS (Sequential Forward Selection), SBS (Sequential Backward Selection), SFFS (Sequential Floating Forward Selection), etc. are widely used as traditional feature selection techniques. It is also true that if there are many risks and many features, there is a limitation in that the performance for classification prediction is poor and it takes a lot of learning time. Therefore, in this study, we propose an improved feature selection algorithm to enhance the effectiveness of the existing campaign. The purpose of this study is to improve the existing SFFS sequential method in the process of searching for feature subsets that are the basis for improving machine learning model performance using statistical characteristics of the data to be processed in the campaign system. Through this, features that have a lot of influence on performance are first derived, features that have a negative effect are removed, and then the sequential method is applied to increase the efficiency for search performance and to apply an improved algorithm to enable generalized prediction. Through this, it was confirmed that the proposed model showed better search and prediction performance than the traditional greed algorithm. Compared with the original data set, greed algorithm, genetic algorithm (GA), and recursive feature elimination (RFE), the campaign success prediction was higher. In addition, when performing campaign success prediction, the improved feature selection algorithm was found to be helpful in analyzing and interpreting the prediction results by providing the importance of the derived features. This is important features such as age, customer rating, and sales, which were previously known statistically. Unlike the previous campaign planners, features such as the combined product name, average 3-month data consumption rate, and the last 3-month wireless data usage were unexpectedly selected as important features for the campaign response, which they rarely used to select campaign targets. It was confirmed that base attributes can also be very important features depending on the type of campaign. Through this, it is possible to analyze and understand the important characteristics of each campaign type.

Filter-Bank Based Regularized Common Spatial Pattern for Classification of Motor Imagery EEG (동작 상상 EEG 분류를 위한 필터 뱅크 기반 정규화 공통 공간 패턴)

  • Park, Sang-Hoon;Kim, Ha-Young;Lee, David;Lee, Sang-Goog
    • Journal of KIISE
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    • v.44 no.6
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    • pp.587-594
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    • 2017
  • Recently, motor imagery electroencephalogram(EEG) based Brain-Computer Interface(BCI) systems have received a significant amount of attention in various fields, including medicine and engineering. The Common Spatial Pattern(CSP) algorithm is the most commonly-used method to extract the features from motor imagery EEG. However, the CSP algorithm has limited applicability in Small-Sample Setting(SSS) situations because these situations rely on a covariance matrix. In addition, large differences in performance depend on the frequency bands that are being used. To address these problems, 4-40Hz band EEG signals are divided using nine filter-banks and Regularized CSP(R-CSP) is applied to individual frequency bands. Then, the Mutual Information-Based Individual Feature(MIBIF) algorithm is applied to the features of R-CSP for selecting discriminative features. Thereafter, selected features are used as inputs of the classifier Least Square Support Vector Machine(LS-SVM). The proposed method yielded a classification accuracy of 87.5%, 100%, 63.78%, 82.14%, and 86.11% in five subjects("aa", "al", "av", "aw", and "ay", respectively) for BCI competition III dataset IVa by using 18 channels in the vicinity of the motor area of the cerebral cortex. The proposed method improved the mean classification accuracy by 16.21%, 10.77% and 3.32% compared to the CSP, R-CSP and FBCSP, respectively The proposed method shows a particularly excellent performance in the SSS situation.

Influential Factors of Digital Customer Experiences on Purchase in the 4th Industrial Revolution Era - Focusing on Moderated Mediating Effects of Digital Self Efficacy- (4차 산업혁명시대의 디지털 고객경험과 구매간 영향관계 - 디지털 자기효능감의 조절된 매개효과를 중심으로-)

  • Jung, Sang Hee;Chung, Byoung Gyu
    • Journal of Venture Innovation
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    • v.3 no.1
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    • pp.101-115
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    • 2020
  • In the era of the 4th Industrial Revolution customers living began to come out, not inside the purchase funnel. Due to the diversity of product selection and the increase in digital channels, the way customers search for information and purchase it is changing innovatively. So, the customer journey in the digital age is much more complicated than the traditional funnel model suggests. Unlike many previous studies, this study was conducted for 1,200 customers in four product groups of fashion, automobile, cosmetics, and online shopping malls. As a result of the study, we investigated how digital self-efficacy plays a role in purchasing in a series of processes in which digital experience affects customer satisfaction and finally affects purchase. As a theoretical implication, as a result of introducing and testing digital self efficacy as moderated mediation effect. the digital self-efficacy between customer satisfaction and customer loyalty were determined to play a moderated mediation effect role. As a practical implication, it was necessary to actively utilize digital marketing for customers with high digital self-efficacy, but it was suggested that customers with low digital self-efficacy need to be careful about digital marketing fatigue.

Delayed CTS Transmission Scheme for Fairness Enhancement in UWASNs (수중 센서네트워크에서 공평성을 위한 CTS 전송 지연 기법)

  • Lee, Dong-Won;Kim, Sun-Myeng;Yang, Yeon-Mo
    • Journal of the Institute of Electronics Engineers of Korea SC
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    • v.49 no.3
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    • pp.19-25
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    • 2012
  • Underwater sensor networks (UWSNs) employ acoustic channels for communications. One of the main characteristics of the underwater acoustic channel is long propagation delay. Previously proposed MAC (medium access control) protocols for wireless sensor networks cannot be directly used in UWSNs due to the long propagation delay. The long propagation delay and uneven nodes deployments cause spatial fairness in UWSNs. Therefore, a new MAC protocol for UWSNs needs to be developed to provide efficient communications. In this paper, we propose an efficient MAC protocol in order to alleviate the fairness problem. In the proposed scheme, when a node receives a RTS packet, it does not immediately send back but delays a CTS packet. The node collects several RTS packets from source nodes during the delay time. It chooses one of the RTS packets based on the queue status information. And then, it sends a CTS packet to the source node which sent the chosen RTS packet. The performance of the proposed scheme is investigated via simulation. Simulation results show that our scheme is effective and alleviates the fairness problem.

Performance Analysis of the Amplify-and-Forward Scheme under Interference Constraint and Physical Layer Security (물리 계층 보안과 간섭 제약 환경에서 증폭 후 전송 기법의 성능 분석)

  • Pham, Ngoc Son;Kong, Hyung-Yun
    • The Journal of the Institute of Internet, Broadcasting and Communication
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    • v.14 no.1
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    • pp.179-187
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    • 2014
  • The underlay protocol is a cognitive radio method in which secondary or cognitive users use the same frequency without affecting the quality of service (QoS) for the primary users. In addition, because of the broadcast characteristics of the wireless environment, some nodes, which are called eavesdropper nodes, want to illegally receive information that is intended for other communication links. Hence, Physical Layer Security is applied considering the achievable secrecy rate (ASR) to prevent this from happening. In this paper, a performance analysis of the amplify-and-forward scheme under an interference constraint and Physical Layer Security is investigated in the cooperative communication mode. In this model, the relays use an amplify-and- forward method to help transmit signals from a source to a destination. The best relay is chosen using an opportunistic relay selection method, which is based on the end-to-end ASR. The system performance is evaluated in terms of the outage probability of the ASR. The lower and upper bounds of this probability, based on the global statistical channel state information (CSI), are derived in closed form. Our simulation results show that the system performance improves when the distances from the relays to the eavesdropper are larger than the distances from the relays to the destination, and the cognitive network is far enough from the primary user.