• The KIPS Transactions:PartD
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• v.10D no.6
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• pp.1033-1040
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• 2003

In order to provode information services on M-Commerce, a payment solution with security function should be required. User's mobile terminals for using M-Commerce services are diversifying to cellular phone, PDA, Smart phone etc. Among them, intergration of PDA's interface and mobile connection overcomes the weak point of existing cullular phone depending on information via the internet. In this paper, the protocol for a credit card transaction on PDA using ECC is presented. Secure Card module on this protocol encrypts user's information such as private information, delivery information and credit card information and store them on PDA in order to free from inputting information whenever it is used. This scheme also offers security services on M-Commerce including authentication, confidentiality, integration, non-repudiation and so on.

• KSCE Journal of Civil and Environmental Engineering Research
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• v.38 no.5
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• pp.693-701
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• 2018

Transfer types at the Seoul Metropolitan Urban Railway Stations can be classified into transfer between lines and station transfer. Station transfer is defined as occurring when either 1) the operating line that operates the tag-in card-reader and that operating the first train boarded by the passenger are different; or 2) the line operating the final alighted train and that operating the tag-out card-reader are different. In existing research, transportation card data is used to estimate transfer volume between lines, but excludes station transfer volume which leads to underestimation of volume through transfer passages. This research applies transportation card data to a method for station transfer volume estimation. To achieve this, the passenger path choice model is made appropriate for station transfer estimation using a modified big-node based network construction and data structure method. Case study analysis is performed using about 8 million daily data inputs from the metropolitan urban railway.

• Journal of Digital Contents Society
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• v.14 no.1
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• pp.81-88
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• 2013

The increase of the smartphone users has popularized the mobile payment and the mobile credit card users are rapidly getting increased. The mobile credit cards that currently used provide its users with the service through downloading mobile credit card information into USIM. The mobile credit card saved in USIM has the minimized information for the security and is based on PKI. However certificate-based payment system has a complicated procedure and costs a lot of money to manage the certificates and CRL(Certificate Revocation List). Furthermore, It can be a obstacle to develop local e-commerce in Korea because it is hard for foreigners to use them. We propose the secure and efficient mobile credit card payment protocol based on certificateless signcryption which solve the problem of certificate use.

• Journal of Digital Convergence
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• v.18 no.4
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• pp.149-161
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• 2020

This paper aims to explore the question of whether the environment in Korea where credit card use is prevalent affects the intention to accept Fintech-based mobile payment. The institution that encourages the credit card use such as credit card receipt obligation may lead to the lock-in and build infrastructures to influence the acceptance of new payment acceptance. This paper investigates how the perceived of use, usefulness, accessibility and stability affect the intention to use mobile payment based on the Technology Acceptance Model(TAM) model with the mediator of lock-in and moderator of credit card receipt obligation. In the results, we found that the perceived usefulness, perceived ease of use and accessibility positively impact on the intention of mobile payment usages. It is also observed that the usefulness and accessibility of credit cards positively mediate to the intention of mobile payment use.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2006.05a
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• pp.183-186
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• 2006

It is studied the implementation possibility of some encryption algorithms which meet the performance requirements in the smart card used in the TETRA system End-to-End Encryption. It is measured the operation time of the algorithm in the smart card which has 32 bit smart card controller made by Samsung Electronics. The algorithms used in the performance comparison are AES, ARIA, 3DES, SEED, IDEA which are the domestic or international standards. The input and output time of the smart card are measured using the smart card protocol analyzer. The pure algorithm operation time is calculated by the repeated algorithm operations. This measurement results can be used as the criteria for the selection of algorithm which will be used in the TETRA End-to-End encryption system. The algorithm which has better performance can be used for the implementation of additional functions in the smart lard, because of the enough time margin.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.11 no.11
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• pp.4121-4128
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• 2010

A probe card is used in testing semiconductor wafers. It must maintain a precise location tolerance for a fine pitch due to highly densified chips. However, high heat transferred from its lower chuck causes thermal deformations of the probe card. Vertical deformation due to the heat will bring contact problems to the pins in the probe card, while horizontal deformation will cause positional inaccuracies. Therefore, probe cards must be designed with proper materials and structures so that the thermal deformations are within allowable tolerances. In this paper, heat transfer analyses under realistic loading conditions are simulated using ANSYS$^{TM}$ finite element analysis program. Thermal deformations are calculated based on steady-state temperature gradients, and an optimal structure of the probe card is proposed by adjusting a set of relevant design parameters so that the deformations are minimized.

• The Journal of Economics, Marketing and Management
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• v.9 no.5
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• pp.39-50
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• 2021

Purpose: This study is to analyze the changes of consumption patterns to diagnose the economic impacts on consumers' market during COVID-19, and to suggest implications to overcome the new social and economic crisis of Jeju Island. Research design, data, and methodology: We collected a set of credit card transaction records issued by BC Card Company from merchants in Jeju Special Self-Governing Province for past 4 years from 2017 to 2020 from the Jeju Data Hub run by Jeju Special Self-Governing Province. The big data contains details of approved credit card transactions including the approval numbers, amount, locations and types of merchants, time and age of users, etc. The researchers summed up amount in monthly basis, transforming big data to small data to analyze the changes of consumption before and after COVID-19. Results: Sales fell sharply in transportation industries including airlines, and overall consumption by age group decreased while the decrease in consumption among the seniors was relatively small. The sales of Yeon-dong and Yongdam-dong in Jeju City also fell significantly compared to other regions. As a result of the paired t-test of all 73 samples in Jeju City, the p-value of the mean consumption of the credit card in 2019 and 2020 is significant, statistically proven that the total consumption amount in the two years is different. Conclusions: We found there are sensitive spots that can be strategically approached based on the changes in consumption patterns by industry, region, and age although most of companies and small businesses have been hit by COVID-19. It is necessary for local companies and for the government to be focusing their support on upgrading services, in order to prevent declining sales and job instability for their employees, creating strategies to retain jobs and prevent customer churn in the face of the crisis. As Jeju Province is highly dependent on the tertiary industry, including tourism, it is suggested to create various strategies to overcome the crisis of the pandemic by constantly monitoring the sales trends of local companies.

• Journal of the Korea Convergence Society
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• v.10 no.1
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• pp.141-148
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• 2019

In this study, the Technology Acceptance Model (TAM) was applied to explore the process of using card news. Card news users are found to be active in searching and selecting appropriate news for themselves, information seeking style and news literacy were established as antecedent variables that can influence card news usage. A survey of 400 university students with experience of using card news was conducted. For statistical analysis, SEM was conducted. The analysis showed that information seeking style significantly affects perceived ease of use (PEU) and that news literacy influences neither PEU nor PU. PEU was found to have a significant effect on PU, and both PEU and PU had a significant effect on recommendation intention.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.12 no.3
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• pp.23-37
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• 2002

As the world-wide use of the Internet increases rapidly due to development of computer network the Electronic Commerce for business by treating it is growing as compared to the traditional one for the information exchange in the academic and research areas. The Electronic Payment System used for EC includes the Payment Broker System and the Electronic Purse System. And usually Electronic Purse System operates with IC cards. Saving the money in IC card has a high portability and security. Therefore, the Electronic purse System based on IC card is recently issued in the EC. In this paper, we design and implement of a IC card security system for Common Electronic Purse Specifications in Internet. CEPS is a Electronic Purse System proposed VISA, and conform EMV(Europay Mastercard VISA) security structure. With our system, users easily use Electronic Purse System with only Web browser and IC card. Original EMV paid no regard to using in the Internet. But our system, conforming to CEPS and EMV, is easily used in the Internet.

• Journal of Digital Convergence
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• v.15 no.6
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• pp.133-143
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• 2017

Data is the most important asset in the financial sector. On average, 71 percent of financial institutions generate competitive advantage over data analysis. In particular, in the card industry, the card transaction data is widely used in the development of merchant information, economic fluctuations, and information services by analyzing patterns of consumer behavior and preference trends of all customers. However, creation of new value through fusion of data is insufficient. This study introduces the analysis and forecasting of consumption trends of credit card companies which convergently analyzed the social data and the sales data of the company's own. BC Card developed an algorithm for linking card and social data with trend profiling, and developed a visualization system for analysis contents. In order to verify the performance, BC card analyzed the trends related to 'Six Pocket' and conducted th pilot marketing campaign. As a result, they increased marketing multiplier by 40~100%. This study has implications for creating a methodology and case for analyzing the convergence of structured and unstructured data analysis that have been done separately in the past. This will provide useful implications for future trends not only in card industry but also in other industries.