• Journal of Families and Better Life
• /
• v.19 no.1
• /
• pp.77-93
• /
• 2001

This paper examines consumer problems and issues of credit card use. The cases of credit card problems were from a civil consumer organization called Green Consumers Network in Korea. This paper focused on over five concerns, including credit card issuing, lost or stolen card settlements, vendor fee charging to customer, withholding payment in case of unsatisfactory purchases, and abusive debt collecting practices. Some solutions for the consumer problems were suggested.

• 한국정보디스플레이학회:학술대회논문집
• /
• 2008.10a
• /
• pp.75-77
• /
• 2008

Flexible electronics devices such as plastic display, thin film battery, membrane switch, organic memory for smart card applications will be presented. The performance and power consumption of various display technologies will be compared for OTP requirement in smart cards. Wireless power transmission by RF coupling through an antenna provides a potential power solution to smart cards. Finally, the general trend of smart card future developments will be discussed.

• Proceedings of the IEEK Conference
• /
• 2002.07b
• /
• pp.1212-1215
• /
• 2002

This paper proposes the system that automatically cognizes the external interface cards on control board. This system is proposed by this paper endows with ID to external interface card and cognizes a connection of external interface card. Also this system automatically executes a task for external interface card. This system has an extension of function according to cognize an external interface card and is fast the execution.

• Proceedings of the IEEK Conference
• /
• 2002.06c
• /
• pp.165-168
• /
• 2002

This paper has been designed and implemented of web security system using RF card A security mechanism that was proposed in this paper provides web services on card reader reads RF card of user only. In this paper, user authentication and server authentication was provided by challenge/response mechanism. Also, this system was provides confidentiality of communication messages.

• Proceedings of the IEEK Conference
• /
• 2000.07b
• /
• pp.583-586
• /
• 2000

A passive RF smart card incorporating a non volatile memory element is powered by inductive coupling to a proximately located RF reader. Therefore, the power consumption in the smart card should be low. In this study, we designed the low power passive RF smart card that is operated at 125kHz to apply to the subway ticket system.

• Journal of Korean Library and Information Science Society
• /
• v.24
• /
• pp.163-187
• /
• 1996

The library catalog is considered an important tool to provide library users with conveniences making a search for necessary information. Accordingly, the purpose of this study is to investigate "behaviors and attitudes" of library users in a university library using online and card catalogs together, to compare their distinctions between online and card catalogs and then to bring about reforms for the development of future cataloging, thereby improving the utilization of online catalog and its service expansion. For this, this paper carried out a survey research which was randomly questionaired 280 library users of four universities in Seoul from March 28th to April 16th 1996. Major findings are as follow : 1. Library users tended to use more online catalog(50.0%) than card catalog (21.9%). 2. The main reasons the library users us online catalog were time saving(24.0%), convenience of use(21.3%), multiple searching possibility (16.2%), and the preferences of card catalog were location of library materials(34.6%), time saving(17.5%), Bibliographic information(14.9%). 3. The major access points which library users utilized mostly in their online catalog are title(30.3%), author(29.2%) and subject heading (17.6%), and for card catalog, title(40.5%), author(34.6%) and call no.(11.1%). 4. The methods library users learned to use online catalog are terminal screen(44.7%), online manual(26.1%), and for card catalog, library orientation(42.6%), librarian's help(18.5%). 5. It was shown that library users were not mostly satisfied about their searching results: the users satisfied with online catalog in the order of partly(46.2%), as expected(42.3%), more than expected(10.4%), and with the card catalog in the order of partly(54.6%), as expected(27.3%), more than expected(10.4%). It was found that although library users preferred online catalog more than card catalog, 54.8% of the total catalog users were not satisfied about the search results they have had. 6. The items which library users want to add to online catalog are catalogs of materials other libraries have(41.6%), catalogs of the materials the library has(29.3%), titles of serial articles(17.7%). And the additional services library users want are checking function of loan materials and reservation of materials(15.5%), subject headings(14.5%), more terminals(13.4%), catalog use explanations(12.9%), multiple access points(11.0%), searching function of contents, abstracts, and indexes(9.6%). Considering the fact that library users tend to use more favorably online catalog than card catalog and the trend that library change from card catalog to online catalog, it is strongly recommended to su n.0, pply students with formal and informal training programs for online catalog use.talog use.

• Journal of the Korean Operations Research and Management Science Society
• /
• v.38 no.1
• /
• pp.103-121
• /
• 2013

Since American Airlines's mileage program emerged in market, loyalty programs have gained popularity. Many companies have generated many kinds of reward cards in order to induce precious consumers. As a result, reward cards are very important in consumer goods market and become diversified. In spite of its importance, little is known about how these cards influence consumer's perception. The prior research has not focused on reward card types and psychological variables. Accordingly this research intends to investigate psychological variables such as transaction coupling and sunk cost perception. According to the theory of regulatory focus, promotion focus consumers would point to gain-nongain frame work, but prevention focus consumers would point to loss-nonloss frame work. The paper proved the effect of reward card types and regulatory focus on transaction coupling and sunk cost perception. Based on the results from 2(type of card : visible vs invisible) ${\times}$ 2(regulatory focus: promotion vs prevention) between-subjects factorial design experiments, we found that consumer's transaction coupling and sunk cost perception of visible reward card are better recognized than invisible reward card. In addition, the results show that there is a significant interaction effect between the type of reward card and regulatory focus. Specifically promotion focused consumers tend to reveal better perception than prevention focused consumers in use of invisible cards. However, prevention focused consumers tend to show better perception than promotion focused consumers in use of visible cards. These findings will contribute to significant academic development and practically useful help to marketing managers.

• Journal of the Korea Academia-Industrial cooperation Society
• /
• v.9 no.5
• /
• pp.1407-1413
• /
• 2008

Individual consumer characteristics change as the individual lifestyle changes. Each individual's unique lifestyle influences substantially the individual consumer behavior. Individual consumer's behavioral pattern varies significantly depending on the individual consumer's use of credit cards. Each individual's lifestyle or individual's perception of credit cards' brands and perceptual difference in qualities of credit cards' brands influence the individual's credit card selection. Credit card companies have been doing several researches in analyzing credit card users' lifestyle characteristics and consumer behavioral characteristics. However, researches on the relation of model structure among variables such as individual lifestyle, credit cards brand, quality perception of credit cards and credit card selection are not quite noticeable. Therefore, in this research we aim at providing a theoretical foundation with credit card companies by analyzing the relation of model structure among these factors.

• The Journal of Information Technology
• /
• v.3 no.1
• /
• pp.73-88
• /
• 2000

Dramatic changes are beginning to occur in plastic card technologies today in the fields of banking, health care, id-cards and more. Advanced card technologies such as IC-card are playing an increasingly important role in new and innovation system. The merit of IC-card are more capacity, more secure, more reliable, quick and easy to update, secure offline processing, enabling technology etc than magnetic stripe card. And so many countries began using experiment of IC- card and our country began October 13 in Cheju island. Then there are three types using-experiment (K-cash, VISA-cash, MONDEX) in Korea. There are some problems such as standards, widely using, high cost, double investment etc. I think that important things in IC-card using is an international- standardizations and issuing corporation.

• Information Systems Review
• /
• v.9 no.2
• /
• pp.129-147
• /
• 2007

At the time the local credit-card companies plunged into a liquidity crisis in 2002, S-Card was urged to take into account the estimated customer income (ECI) to enhance its customer credit evaluation function for the first time in Korean financial industry. Before this new attempt by S-Card, most credit-card companies including S-Card had performed a customer's credit evaluation based on the customer's behavioral factors such as the amount of purchase on credit, debt payment, and financial history that is provided from the Credit Bureau. However, this approach failed to measure customer's potential value which is one of the major factors in judging the customer's ability to pay, and hence, led to difficulties in risk management. The purpose of this case study is to present the better approach to sophisticated risk management for financial firms in Korea by reviewing S-Card's process of customer income estimation and its application to risk management.