• Journal of Families and Better Life
• /
• v.23 no.5 s.77
• /
• pp.15-26
• /
• 2005

The purpose of this study was to investigate the factors affecting credit card attitudes, financial management practices, and sound credit card use among college students, and to conceptualize a theoretical model. Earlier studies identified a number of antecedent variables (such as gender, year in college, job experience, amount of allowance, family income, living with parents, having taken a personal financial management course) and intervening variables (such as attitudes towards credit cards and financial management practices) as useful predictors of sound credit card practices. Four hundred and thirty four undergraduate students in Daejeon participated in this study. Stepwise multiple regression and path analysis were conducted. The results of this study were as follows: 1. Students' attitudes towards credit cards were affected by their you in college, whether they were living with their parents, and the amount of their allowance. Similarly, students' financial management practices were affected by their year in college, whether they were living with their parents, the amount of their allowance, and whether and not they had taken a personal financial management course. 2. Sound credit card practices were influenced by students' gender, their year in college, the amount of their allowance, attitudes towards credit cards, and financial management practices. 3. The path-analysis model demonstrates the relationships among the antecedent variables, intervening variables (credit card attitude, financial management practices), and sound credit card use.

• Journal of Korea Society of Digital Industry and Information Management
• /
• v.7 no.3
• /
• pp.63-74
• /
• 2011

Credit cards are more convenient than cash of heavy. Therefore, credit cards are used widely in on_line (internet) and off_line in nowadays. To use credit cards on internet is commonly secure because client identification based security card and authentication certificate. However, to use in off_line as like shop, store, department, restaurant is unsecure because of irregular accident. As client identification is not used in off_line use of credit cards, the irregular use of counterfeit, stolen and lost card have been increasing in number recently. Therefore, client identification is urgently necessary for secure card using in off_line. And the method of client identification must be simple, don't take long time, convenient for client, card affiliate and card company. In this paper, we study a reform measure of the structure and transaction process for the safety improvement of a credit cards. And we propose several authentication method of short-and long-term for client identification. In the proposal, the client authentication method by OTP application of smart-phone is efficient nowadays.

• Proceedings of the KIEE Conference
• /
• 1999.11c
• /
• pp.763-765
• /
• 1999

Due to the improvement of PC Performance and Windows-based OS, PC-based control system is gradually taking over industrial control in the industry site. In this paper, we suggest the method to configure PC-based fault diagnosis system of I/O cards and the method to generate test signals to find out the short conditions of adjacent channels of cables which connect I/O cards with terminal blocks.

• Proceedings of the KIEE Conference
• /
• 2000.07d
• /
• pp.3192-3194
• /
• 2000

Many I/o cards such as AOCs, DICs, DOCs and ROCs are used to deal with I&C instruments of control panel in full-scope power plant simulator. To help the maintenance of I/O cards, an I/o card fault diagnosis system is implemented in this paper. The implemented fault diagnosis system has the automatic fault diagnosis function and manual card test function for fault diagnosis. Finally, the test result using I/O cards shows the validity of the implemented fault diagnosis system.

• Journal of the Korean Home Economics Association
• /
• v.43 no.2
• /
• pp.191-202
• /
• 2005

The purpose of this study was to identify the characteristics of late credit card bill payers. Data were collected through a questionnaire survey of 621 credit card users residing in five metropolitan cities including Seoul and Gyeonggi Province. The results indicated that credit card delinquents showed irrational behavior in managing the use of credit cards. That is, they unnecessarily subscribed for credit cards, used their credit cards without signature, or excessively used the credit cards regardless of their payment capability. From these study results, two recommendations were made : 1) consumer education on credit card use and credit management and 2) law revision on regulating credit card use.

• Journal of Korean Elementary Science Education
• /
• v.26 no.4
• /
• pp.407-417
• /
• 2007

The purpose of this research is to develop standards with which we can design an instrument to assess classifying inquiry skills by observing students' behavior and reported outcome which is not the paper and pencil test. This research is focused on developing a standard for analysis of classifying ability among research functions. To identify classifying inquiry skills, standards from classifying behaviors were comparing ways with other cards and using information included in the cards; Standards selected from the final reports were the appropriateness, inconsistency and hierarchy of the classification outcome. The standards were initially selected during the class with picture cards printed various birds appearances on the front side and their traits on the back which was specially designed among sixth graders. The picture cards prepared with plant leaves and stems had designed to identify whether standards was effective to assess student's classifying ability. The standards was an effective tool to assess student's classifying inquiry skills.

• Journal of applied mathematics & informatics
• /
• v.26 no.5_6
• /
• pp.1139-1147
• /
• 2008

A. Saxena et al. first proposed a two-flow blind identification protocol in 2005. But it has a weakness of the active-intruder attack and uses the pairing operation that causes slow implementation in smart cards. In this paper, we give a method of the active-intruder attack on their identification scheme and propose a new zero- knowledge blind identification protocol for Smart cards. Our protocol consists of only two message flows and does not rely on any underlying signature or encryption scheme. The prover using computationally limited devices such as smart cards has no need of computing the bilinear pairings. It needs only for the verifier. Our protocol is secure assuming the hardness of the Discrete-Logarithm Problem in bilinear groups.

• Fashion & Textile Research Journal
• /
• v.6 no.5
• /
• pp.585-594
• /
• 2004

This study aimed to classify the lifestyles of 1020 college students, and to analyze the effect of the lifestyles on the usages of credit card, price perception, purchasing satisfaction and the number of new clothing. The number of credit cards, total payment of credit cards and the attitude to credit card were different by the 7 clusters of college students, but the frequency of credit card use, the amount of cash service and arrear ages were not different. The perception to the apparel price, purchasing satisfaction, and the degree of clothing purchasing varied according to the lifestyle clusters. For example, 6th cluster being highest in the pursuit of appearance showed the highest amount of credit cards usage significantly and tendency of highest arrearage, and used credit cards mostly in clothing purchase.

• Journal of Family Resource Management and Policy Review
• /
• v.9 no.2
• /
• pp.145-161
• /
• 2005

This study was to examine whether the hedonic and utilitarian shopping values were expressed in shopping experience among the undergraduates and how the consumers with different shopping values vary in the perception of credit cards' benefit and risk. The 215 undergraduates in Seoul were surveyed. The results indicated that undergraduates were divided into hedonic shoppers and utilitarian shoppers according to their shopping value and that the perception of credit cards' benefit and risk was explained by the four factors including the increased cost, the removing the immediate need for money, the additional service and benefits, and the overspending and credit crime. The overspending and credit crime as one of the risk factors was affected by the types of shopping values.

• Proceedings of the KIEE Conference
• /
• 2003.07d
• /
• pp.2028-2030
• /
• 2003

This paper describes the results of reliability prediction analysis of control rod control system, which is being developed as part of KNICS project. The results of reliability prediction indicate MTBF(Mean Time Between Failure) of cards for control rod control system. A purpose of reliability prediction is to evaluate MTBF of cards, identify the design drawbacks of cards, and propose design improvement to a designer to help design the more reliable control rod control system. This reliability prediction analysis used the the part count and part stress method in the basis of MIL-HDBK-217F.