• Journal of Advanced Navigation Technology
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• v.11 no.3
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• pp.337-342
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• 2007

This paper proposes Electronic Credit Card(EMV) processing procedures for a credit payment method which can be applied to Korean ETCS(Electrical Toll Collection System). In Korea, Korea Highway Corporation services contactless ETCS's called by Hi-Pass and Touch-Pass system at present. These systems operate on a pre-paid payment method similar to electronic money. On the other side, a credit payment method based on credit card has an advantage which does not require pre-paid. The introduction of credit payment method to ETCS is in preparation. In this paper, we propose EMV processing methods based on a credit payment method which can be applied on ETCS.

• Proceedings of the Korea Multimedia Society Conference
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• 2004.05a
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• pp.121-125
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• 2004

전자상거래에서 신용카드를 이용하여 물품 대금을 지급하는 대표적인 방식으로 SSL과 SET을 사용하고 있다. 그러나, SSL은 시장의 폭넓은 지지를 받고 있지만, 카드소유자 본인 확인 기능이 없어서 카드소유자의 지불거부 뿐만 아니라, 부정거래가 발생할 수 있는 단점이 있다. 또한, SET도 카드소유자 본인 확인 기능이 없고 기술적으로 복잡해 시장의 큰 호응을 받지 못하는 단점이 있다. 이러한 SSL과 SET의 단점을 극복하기 위해서 최근 3D-SET, 3-D Secure가 개발되었으며, 3-D Secure 향후 신용카드 기반 전자지불시스템에서 주로 사용될 것으로 기대된다 이에 본 논문에서는 3D-SET, 3-D Secure의 개요, 객체별 역할과 책임, 장점/단점 등을 비교 분석하고자 한다.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.3 no.2
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• pp.411-420
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• 1999

The topic of electronic commerce is a hot issue in computer technology. There are many kinds of risks associated with electronic commerce which performs financial transactions by exchanging electronic information over public networks. Therefore, security factors such as confidentiality, integrity, authentication and non-repudiation should be required to construct secure electronic commerce systems. In this paper, the credit card-based payment protocol applying dual signature is presented. It provides payment information to the bank a cardholder pays to, but conceals ordering information. It also offers ordering information to a merchant, but hides payment information including the card number. Thus, cardholder's private information can be protected. In order to accomplish this, dual signature is performed employing both symmetric method utilizing cardholder's secret number as an encryption key and asymmetric method.

• Journal of KIISE:Information Networking
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• v.33 no.2
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• pp.149-155
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• 2006

Existing routing protocols for mobile ad hoc networks (MANETs) have assumed that all nodes voluntarily participate in forwarding others' packets. In the case when a MANET consists of nodes belonging to multiple organizations, mobile nodes may deliberately avoid packet forwarding to save their own energy, resulting in network performance degradation. In this paper, to make nodes volunteer in packet forwarding, a credit payment scheme called Protocol-Independent Fairness Algorithm (PIFA) is proposed. PIFA can be utilized irrespective of the type of basic routing protocols, while previous methods are compatible only with source routing mechanisms like DSR. According to simulation results, we can know that PIFA can prevent network performance degradation by inducing selfish nodes to participate in packet forwarding.

• The KIPS Transactions:PartD
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• v.15D no.1
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• pp.121-130
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• 2008

In line with the enhanced weight and variety of electronic commerce in business activities, new type of payment settlement and banking system which will enable to store, create and transfer values from the existing method of payment settlement is highly required. Cyber Banking system draws strong attention being the solution of there requirements. The existing Cyber Banking system has the difficulty of operation, administration, in addition to the problem of initial facility investment of big amount, resulted from the usage of the current business process. As the existing Cyber Bank system is unable to carry out the function of storing, creating, and transferring values due to the adoption conventional credit card system instead of the application of non-stop payment system between the seller and buyer. As a result, current Cyber Bank system still imply the deficiency of non-performing cash payment function on internet. This paper describes (1) an integrated application process, One Process One Input (OPOI) which is essential for software development of the Cyber Bank, (2) an application process of payment settlement system to be applied to the electronic commerce in Internet. And then, with these for a basis, (3) design and implementation of payment settlement system through CyberBank for Electronic Commerce. Consequently, by means of this suggested process, we could attempt to solve the problem of existing Cyber Bank system and further to explore the possibility of advanced Cyber Banking being the non-stop payment settlement system. The effectiveness of this suggested system has been practically confirmed.

• The KIPS Transactions:PartC
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• v.11C no.7 s.96
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• pp.889-894
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• 2004

Most ad-hoc routing protocols such as AODV(Ad Hoc On-Demand Distance Vector) and DSR(Dynamic Source Routing) do not try to search for new routes if the network topology does not change. Hence, with low node mobility, traffic may be concentrated on several nodes, which results in long end-to-end delay due to congestion at the nodes. Furthermore, since some specific nodes are continuously used for long duration, their battery power may be rapidly exhausted. Expiration of nodes causes connections traversing the nodes to be disrupted and makes many routing requests be generated at the same time. Therefore, we propose a load balancing approach called Simple Load-balancing Approach (SLA), which resolves the traffic concentration problem by allowing each node to drop RREQ (Route Request Packet) or to give up packet forwarding depending on its own traffic load. Meanwhile, mobile nodes nay deliberately give up forwarding packets to save their own energy. To make nodes volunteer in packet forwarding. we also suggest a payment scheme called Protocol-Independent Fairness Algorithm (PIEA) for packet forwarding. To evaluate the performance of SLA, we compare two cases where AODV employs SLA or not. Simulation results show that SLA can distribute traffic load well and improve performance of entire ad-hoc networks.

• The Journal of the Korea Contents Association
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• v.9 no.5
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• pp.50-60
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• 2009

Recently, the traffic card is gradually utilized and its several supplementary services have been significantly developed. Particularly, since it is possible to pay fees for buses, taxies, subways, parking and tollgates with only one traffic card, new payment method for economically processing has been focused. This paper presents a new receipt management system which allows possibly paying with several digital cards through PC interfacing terminals. The proposed system is mainly composed of three parts: terminals, middleware, and management servers. A terminal part includes processing module for payment/charging and credit/check/debit cards, etc and its operation is fulfilled through a middleware part. A main task of a middleware part is to connect a terminal part to managing servers through middleware applications. Additionally, processing of several receipt items and monitoring of the terminals to product statistical reports based on the processed result are carried out in the middleware. A management sever part is accomplished for collecting all of transaction histories against users and charging items over allowed province and managing statistical information. The proposed system is currently utilized in the Nam-GU district office and the Nam-GU district health center, Busan, S. Korea, respectively for testing its effectiveness. We conclude from this demonstration that the system is more useful and efficient than the previous processing method especially in that variable payment ways are provided and consumption burden is reduced.