• 한국컴퓨터정보학회논문지
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• 제11권1호
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• pp.237-242
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• 2006

현재 오프라인 신용카드가맹점에서의 신용카드 결제 시에 사용되는 결제 시스템은 신용카드 결제 단말기, 결제 중계 서비스를 하는 VAN사 그리고 신용카드사로 구성되어 있다. 신용카드사 장애 시에는 결제중계 서비스 VAN사가 승인 대행을 하여 처리하나, 결제 중계 서비스 VAN사 장애 시에는 신용카드 결제서비스가 원활하게 이루어지지 않는다. 본 논문은 결제 중계 서비스를 하는 VAN사의장애 시에 신용카드 결제 단말기가 전문변환 Agent를 이용하여, 다른 서비스 VAN사에서 결제 중계 서비스를 받을 수 있도록 하는 신용카드 결제 시스템을 구현하였다.

• 한국컴퓨터정보학회논문지
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• 제10권3호
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• pp.339-344
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• 2005

현재 오프라인 신용카드 가맹점에서의 신용카드 결제 시에 사용되는 결제 시스템은 신용카드 결제 단말기, 결제 중계 서비스를 하는 VAN사 그리고 신용카드사로 구성되어 있다. 신용카드사 장애 시에는 결제 중계 서비스 VAN사가 승인 대행을 하여 처리하나, 결제 중계 서비스 VAN사 장애 시에는 신용카드 결제 서비스가 원활하게 이루어지지 않는다. 본 논문은 신용카드 결제 단말기에 결제 중계 서비스를 하는 VAN사의 장애 시에 Switching Agent를 이용하여 또 다른 서비스 VAN사에서 결제 중계 서비스를 할 수 있도록 하는 신용카드 결제 시스템을 제안하였다.

• 한국정보시스템학회지:정보시스템연구
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• 제30권4호
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• pp.203-226
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• 2021

Purpose The purpose of this study is to enhance the accuracy score of personal credit scoring using the convolutional neural networks and secure the transparency of the deep learning model using eXplainalbe Artifical Inteligence(XAI) technique. Design/methodology/approach This study built a classification model by using the convolutional neural networks(CNN) and applied a methodology that is transformation of numerical data to imaged data to apply CNN on personal credit data. Then layer-wise relevance propagation(LRP) was applied to model we constructed to find what variables are more influenced to the output value. Findings According to the empirical analysis result, this study confirmed that accuracy score by model using CNN is highest among other models using logistic regression, neural networks, and support vector machines. In addition, With the LRP that is one of the technique of XAI, variables that have a great influence on calculating the output value for each observation could be found.

• 수산해양교육연구
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• 제28권5호
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• pp.1209-1219
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• 2016

In knowledge based society, lifelong learning is increasing in order to meet educational needs of adult learners. Credit Bank system which is credited by individual experience, learning and qualifications are also emphasized for continuing learning participation. However, in spite of the importance of concern in the Credit Bank System, adult learners expectation and value are not high. The purpose of this study is to analyze participation valence and learning flow of adult learner in the Credit Bank System. The result of this study is summarized as follows: first, adult learners participated in the Credit Bank System to get new knowledge and skill based on internal and external motivation and requirement not involved with individual degree. Second, adult learners participating in the Credit Bank System are experiencing learning flow realizing that behavior of participation is compensated, adult learners are concentrating and feeling with satisfaction and pleasure to study. Third, participation in the Credit Bank System based on adult learner's own right learning requirement have been analyzed as it has a positive effect to the learning flow and have indicated that adult learners having high level of valence experience, recognition immersion, behavioral devotion, and egoistic immersion. Based on the conclusion, further studies are suggested.

• 한국경영과학회:학술대회논문집
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• 대한산업공학회/한국경영과학회 2002년도 춘계공동학술대회
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• pp.1044-1051
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• 2002

This paper proposes a two-phase mathematical programming approach by considering classification gap to solve the proposed credit scoring problem so as to complement any theoretical shortcomings. Specifically, by using the linear programming (LP) approach, phase 1 is to make the associated decisions such as issuing grant of credit or denial of credit to applicants. or to seek any additional information before making the final decision. Phase 2 is to find a cut-off value, which minimizes any misclassification penalty (cost) to be incurred due to granting credit to 'bad' loan applicant or denying credit to 'good' loan applicant by using the mixed-integer programming (MIP) approach. This approach is expected to and appropriate classification scores and a cut-off value with respect to deviation and misclassification cost, respectively. Statistical discriminant analysis methods have been commonly considered to deal with classification problems for credit scoring. In recent years, much theoretical research has focused on the application of mathematical programming techniques to the discriminant problems. It has been reported that mathematical programming techniques could outperform statistical discriminant techniques in some applications, while mathematical programming techniques may suffer from some theoretical shortcomings. The performance of the proposed two-phase approach is evaluated in this paper with line data and loan applicants data, by comparing with three other approaches including Fisher's linear discriminant function, logistic regression and some other existing mathematical programming approaches, which are considered as the performance benchmarks. The evaluation results show that the proposed two-phase mathematical programming approach outperforms the aforementioned statistical approaches. In some cases, two-phase mathematical programming approach marginally outperforms both the statistical approaches and the other existing mathematical programming approaches.

• 디지털산업정보학회논문지
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• 제20권2호
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• pp.1-10
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• 2024

For the purpose of predicting credit card customer churn accurately through data analysis, a model can be constructed with various machine learning algorithms, including decision tree. And feature importance has been utilized in selecting better input features that can improve performance of data analysis models for several application areas. In this paper, a method of utilizing feature importance calculated from the MDI method and its effects are investigated in the credit card customer churn prediction problem with classification trees. Compared with several random feature selections from case data, a set of input features selected from higher value of feature importance shows higher predictive power. It can be an efficient method for classifying and choosing input features necessary for improving prediction performance. The method organized in this paper can be an alternative to the selection of input features using feature importance in composing and using classification trees, including credit card customer churn prediction.

• Journal of Information Technology Applications and Management
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• 제27권1호
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• pp.187-198
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• 2020

With the development of technology and the creation of an entertainment environment for leisure, various marketing strategies are being used in the film industry. Among them, the use of the credit cookie of ending credits was very effective in producing the series. The ending credit is the time it takes to show the names of the people who made the movie, which is meaningless to the audience. There is a cost to produce a ending credit but It wasn't made because no revenue was generated. The credit cookie was inserted into this ending credit area, which brought new pleasure to the audience. Most of them were epilogue images showing the story behind the movie, NG images showing the NG situation during film production, and In videos mentioned in the movie but not shown in the movie itself. As various ideas about credit cookie were connected with marketing, a series movie and a spin-off foretelling the derivative works after the screening work were produced and have a new meaning. As a result, the time of ending credits, which had no commercial value, became the methodology of the most powerful promotional strategy. Looking at the difference between live-action film and animation in producing such credit cookie, unlike live-action films that edit the remaining parts after shooting, the NG video of the animation has a lot of time and money to produce. So, it hasn't try very well, and it seems to have been actively produced when moving from 2D animation to 3D animation. This is because 3D animation, which has already been modeled, can create new NG scenes by simply adding animating based on the layout of the created scene. Since it is possible to produce an episode movie at a low cost and time, and to use the scenes of the movie after the production, it will be necessary to strategically produce credit cookie for promotion in animation.

• The Journal of Asian Finance, Economics and Business
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• 제8권4호
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• pp.635-641
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• 2021

This paper aims to find out the main factors that are important in determining the size of investment in the Jordanian productive sectors. For this purpose, the study used panel data for four Jordanian productive sectors over the period 2000-2017. Also, fixed-effects modeling was carried out to identify the relationship between investment and its potential determinants. Empirical investigations of the four productive sectors reveal the following results: The real value of sector's production and the real value of credit facilities have a positive and significant impact on investment, while the real interest rate has a negative effect on investment in the Jordanian productive sectors. Also, at the sector level, agriculture was more responsive to changes in the real value of credit facilities, while other sectors were more responsive to changes in the real value of sector's production. According to these results, it seems that some policy actions should be taken to enhance the size and the role of investment in the economy. For example, policymakers should adopt a mixed policy and expand the provision of credit facilities, especially to the agricultural sector, to enhance agricultural activity in a manner that ensures the improvement of infrastructure and land reclamation.

• 한국지능정보시스템학회:학술대회논문집
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• 한국지능정보시스템학회 2002년도 추계정기학술대회
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• pp.491-501
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• 2002

Case-based reasoning is emerging as a leading methodology for the application of artificial intelligence. CBR is a reasoning methodology that exploits similar experienced solutions, in the form of past cases, to solve new problems. Hybrid model achieves some convergence of the wide proliferation of credit evaluation modeling. As a result, Hybrid model showed that proposed methodology classify more accurately than any of techniques individually do. It is confirmed that proposed methodology predicts significantly better than individual techniques and the other combining methodologies. The objective of the proposed approach is to determines a set of weighting values that can best formalize the match between the input case and the previously stored cases and integrates fuzzy sit concepts into the case indexing and retrieval process. The GA is used to search for the best set of weighting values that are able to promote the association consistency among the cases. The fitness value in this study is defined as the number of old cases whose solutions match the input cases solution. In order to obtain the fitness value, many procedures have to be executed beforehand. Also this study tries to transform financial values into category ones using fuzzy logic approach fur performance of credit evaluation. Fuzzy set theory allows numerical features to be converted into fuzzy terms to simplify the matching process, and allows greater flexibility in the retrieval of candidate cases. Our proposed model is to apply an intelligent system for bankruptcy prediction.

• 통상정보연구
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• 제11권3호
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• pp.287-309
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• 2009

There were many changes regarding Negotiation of document under UCP 600. First of all, the definition of Negotiation was changed. The UCP 500 stated "Negotiation means the giving of value for drafts and documents by the bank authorized to negotiation", but the UCP 600 defines "negotiation" as following "negotiation means the purchase by the nominated bank of drafts and/or documents under a complying presentation". Under the UCP 600 the meaning of negotiation was more clear than UCP 500. Second UCP 600 permits all deferred payment credits be discountable or negotiable. This amended rule equated the deferred payment credit with banker's acceptance credit which was contrary with the nature and the practice of former deferred payment credit transaction. Third, UCP 600 has also provided for reimbursement rights for nominated banks and a conceptual basis for protecting nominated banks against beneficiary fraud. In this paper, the problems regarding negotiation of document under UCP600 was studied and the solutions for the problems occurring in appling UCP 600 in practical field was provided.