• 정보보호학회논문지
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• 제29권4호
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• pp.753-773
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• 2019

CV(Connected Vehicle) 기술은 크게 차량에 안전 관련 서비스와 사용자 편의성 관련 서비스를 제공한다. 안전 관련 서비스는 차량 운행에 관한 정보들을 지속적으로 주변 차량 혹은 기지국에 전송하므로 프라이버시 문제가 생길 수 있다. 이에 안전 관련 서비스는 프라이버시 보호를 위해서 차량 익명성을 제공해야 한다. 그러나 결제 서비스와 같은 편의성 관련 서비스가 차량 익명성을 제공하지 못할 경우 안전 관련 서비스와 관련된 개인정보 또한 보호받을 수 없다. 이에 본 논문에서는 BU(Backward Unlinkability)-익명성과 추적성(traceability)을 제공하는 그룹 서명 기법과 ECQV(Elliptic Curve Qu-Vanstone) 묵시적 인증서를 기반으로 결제 프로토콜을 설계하였다. 제안하는 결제 프로토콜은 결제 시스템 구성요소의 역할을 분리하여 거래내역으로부터 차량을 추적할 수 없게 하였다. 또한 차량용 결제 프로토콜이 만족해야하는 보안 요구사항들을 정의하고 제안한 프로토콜이 이를 만족함을 보였다.

• 한국정보시스템학회지:정보시스템연구
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• 제27권2호
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• pp.115-134
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• 2018

Purpose In recent years, mobile payment service users have been rapidly increasing. Previous researchers focused on the mobile usage situation such as the elements of mobile payment service, usage pattern, and user behaviors, and the research that is approached from the viewpoint of the user is still insufficient. The aim of this study is to suggest a acceptance-resistance motivation model of choosing a mobile payment service based on the Herzbergs Two-Factor Theory by investigating users' motivation and hygiene factors. Design/methodology/approach For the purpose, literature reviews on factors of choosing a mobile payment service were conducted and classified motivation and hygiene factors. Two hypotheses were set as follows: Hypothesis I is that motivation factors have a positive impact on the choice of mobile payment service, and Hypothesis II is that hygiene factors have a negative impact on the choice of mobile payment service. To test two hypotheses, this study conducted an online questionnaire survey and a multivariate discriminant analysis. Findings The result found that mobile payment service is more likely to be replaced with mobile by improving convenience, simplicity, and ease of use that affect the acceptance motivation of mobile payment service. This result supported the Hypothesis I but not Hypothesis II and contributed to provide implications for future mobile payment service development and marketing utilization.

• 한국전자통신학회논문지
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• 제15권2호
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• pp.231-236
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• 2020

현대 사회에는 스마트폰을 사용하는 사람들이 대다수이며, 이들의 편의성을 위한 모바일 주문 및 결제 시스템들에 대한 부분이 두각 되어 가고 있다. 모바일 결제 시장은 점점 증가하는 추세이며 중국에서는 71%가 넘는 시장이 이미 형성되어 있다. 국내에서도 많은 모바일 결제 시장이 성장하는 추세인데 이는 대규모 프랜차이즈에서 밖에는 제공되지 않는 시스템으로서 보편적으로 보기에는 어려운 감이 있다. 이에 본 논문에서는 프랜차이즈뿐만이 아닌 소규모 업소에서도 쉽게 사용이 가능하면서도 현대 사회에서 요구되는 사용자들의 편의성을 위해 근거리 무선 통신 기술을 활용한 모바일 주문 및 결제 시스템과 이에 더해 언택트 마케팅에 대한 소비자들의 요구 사항 또한 충족할 시스템을 제안한다. 근거리 무선 통신 기술을 통해 개발된 디바이스와 스마트폰, 메인 서버간의 통신을 이용하여 모바일을 통한 주문 및 결제가 가능한 시스템을 제작한다.

• International Journal of Advanced Culture Technology
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• 제8권1호
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• pp.38-43
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• 2020

This study examines the factors affecting the usage and diffusion of mobile easy payment services which is fast growing industry recently. After wide reviewing previous research about mobile payment, Some factors are identified as the factors influencing intention to use mobile easy payment services-confidence, innovativeness, mobile self-efficacy, relative advantage- through several mediating factors- perceived ease, perceived usefulness, perceived risk. Empirical study for a research model showed confidence, mobile self-efficacy and relative advantage are effective to the intention to use mobile easy payment services via perceived usefulness and perceived risk. Based on the results of the study, some practical implication for customer retention and acquisition are suggested.

• International Journal of Contents
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• 제15권4호
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• pp.82-88
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• 2019

The purpose of this study was to investigate the key factors that influence consumers' preference for mobile payment in China. China has been quietly experiencing a third technological revolution that has markedly changed the way of life for its people. We used the structural equation modeling with 573 Chinese people to investigate the mobile-payment system in China based on the technology acceptance model. We found that factors such as value of service, security, convenience, and perceived usefulness have an impact on consumer satisfaction, and that satisfaction supports consumer purchasing. Also, it is possible to conclude that this proven instrument will assist researchers to further develop and refine mobile-payment research models.

• 한국지능정보시스템학회:학술대회논문집
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• 한국지능정보시스템학회 2005년도 공동추계학술대회
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• pp.226-233
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• 2005

Ubiquitous computing is a study area explained in a myriad of contexts and technological terms. So when you try to define it with simple words, it gets even more confusing. Payment. however, refers in nature to an act of money transfer from one entity to another, and it is obvious that a payment method will be valued as long as the transaction can be completed with safety no matter what technology was used. In the end, the key to U-payment is convenience and security in the transfer of financial information. The purpose of this paper is to find a desirable U-payment scheme by looking at the characteristics of seamlessness under the ubiquitous environments, Strong Personal Device, and peer-based if information transactions. We also propose U-SDT Protocol integrating critical technologies such as Radio Frequency Identification (RFID), Bluetooth, Personal Payment Device, Account Managing Application and Transaction ID as a way to make transactions between users seamless and secure better privacy protection.

• 디지털산업정보학회논문지
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• 제15권4호
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• pp.51-62
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• 2019

Recently, as the number of Smart Phone users increase, the simple payment system has been able to make payments using only card information such as a registered password without extra authorized certificate authentication or input of card information. In this paper, it will examine and analyze simple payment system provided by IT companies and financial institutions and the simple payment system that operates global online payment system by case view of operational direction. Then with this examination, it will study ways to improve the problems with terms of convenience and stability in terms of users. In this paper, it will analyze the inconvenient problem in using the QR code system that recently introduced and will propose solutions. Also, it will propose suggestions to solve inconvenience that caused by system that supports NFC simple payment terminal in Korea is not universalize by analyze case study on the overseas simple payment system. It will also propose opinions on the matters that customer having responsible for event of a small financial accident related to loss or theft when using the simple payment system. Then it will suggest expected requirements to prepare new security technical countermeasures and solve the conditions of meeting expectation satisfaction of users.

• The Journal of Asian Finance, Economics and Business
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• 제7권10호
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• pp.231-240
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• 2020

E-commerce development led to the explosion of online payment. Consumers have many choices when deciding on the online payment method for each transaction. Using a combination of both qualitative and quantitative methods with the help of SPSS AMOS version 22.0, the article explores the factors that influence consumers' online payment method decision behavior in Vietnam. Research results show that awareness of usefulness, awareness of risk, awareness of trust, awareness ease of use, product uncertainly perception and perceived behavioral control have effects on the behavior of deciding on online payment methods. Awareness of risk has the strongest negative impact on online payment method decision behavior and awareness of usefulness has the strongest positive impact on online payment method decision behavior. Based on these important results, the article proposes a number of implications: (i) continuing to invest and upgrade modern technology to ensure customer information absolutely confidential; (ii) converting all ATM cards on the market to EMV chip standard card technology; (iii) improving service activities, quickly handle things to create confidence for customers; (iv) credit institutions operating in the field of online payment linked to e-commerce sites, supermarkets, convenience stores, restaurants must ask partners to increase transparency for the products.

• 스마트미디어저널
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• 제9권4호
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• pp.73-80
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• 2020

With the advent of the Internet era, consumer lifestyles have been changed tremendously, and mobile payment has carried out an increasingly extensive coverage of the people's life trajectory. Taking the design of the mobile payment interface as an example, we use a conjoint analysis method to survey college students in Guangxi, where questionnaires are collected from 270 people in different groups according to gender. The method separates the attributes that affect consumer choice of mobile payment interface design and the utility value of the attribute level to analyze consumer needs and preferences, and then obtains consumers' potential evaluation criteria for mobile payment interface design. The results of the study show that the attributes that influence consumers' choice of mobile payment interface design are, in order of preference: page layout, identification convenience, verification, module distribution, entertainment, and information encryption. Consumer groups of different genders show differences in their preferences in the mobile payment interface design and Consumer needs reflect consumer psychology. Several findings are obtained on the consumers' preferences on the mobile payment interface design, which may be used to improve future design processes.

• 정보처리학회논문지C
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• 제9C권3호
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• pp.351-358
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• 2002

Recently, personal business styles have been rapidly changed into e-business due to the rapid progress and deployment of Internet. As a result of the change, new and safe ways of payment such as electronic wallet, electronic money and electronic check have been developed and introduced. In this paper a secure and user-friendly payment method is addressed. One of most important reasons why newly developed safe payment methods are not widely used in e-business is lack of convenience for the users. On the other hand credit card based payment, which is traditional one, is the most prevailing due to the user-friendliness. However this payment also has some problem in sense of security. In this paper, we design and implement a secure credit card-based payment system using one-time credit information. The main features are "payment information must be new", "can use the old credit system", and "do not require client software".