• International Commerce and Information Review
• /
• v.2 no.1
• /
• pp.1-28
• /
• 2000

IT 혁명으로 전자적인 활동이 전 사회의 중심 축으로 이루어지고, 또한 컴퓨터를 이용한 정보처리와 통신기술의의 눈부신 발달에 힘입어 기업의 Business에 커다란 변화를 초래하게 되었다. 특히, 인터넷이라는 환경하에서 전자상거래는 급속하게 성장하고 있으며, 기업은 전자상거래 모델을 앞다투어 개발하면서 새로운 E-Business 환경을 수용하고 있다. 또한 기업은 무역업무에 이러한 전자상거래를 도입하면서 국제간 거래의 활성화를 위해 노력하고 있지만, 국채간 사이버 무역이 안고 있는 여러 가지 애로점을 가지고 있다. 그 중에서 국제간 전자결제에 과한 문제이다. 인터넷을 이용한 무역업무를 실행시키고, 활성화하기 위한 하나의 결제방안을 제시해 보면 제3자에 의한 결제 시스템으로서 인터넷 서비스 제공업자, S/W 개발업체, 은행과 신용카드회사를 비롯한 금융기관 등은 결제시스템을 구축하는 방안이 강구될 수 있다. 또한 이 시스템에서는 다양한 판매자의 제품을 소개하고 일정 시간간격 또는 특정 구매자의 총누적 거래대금이 일정수준에 이를 때에 결제함으로써 신용카드를 지불수단으로 사용하는 경우에도 소액거래를 지원할 수 있다. 또한 전자결제제도가 성립되기 위해서는 전자자금거래의 규제를 위한 법 제도적인 측면의 정비가 시급하다. 따라서 각종 거래의 결제에 관한 법적관계는 물론 금융관련 법률을 기본으로 하여 새로운 접근방안을 마련해야 할 것이다. 이와 같은 사항들을 고려함으로써 사이버 환경의 활성화를 도모할 수 있다.

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

• Proceedings of the Korea Institutes of Information Security and Cryptology Conference
• /
• 2002.11a
• /
• pp.266-269
• /
• 2002

As a simulation or replacement of analog money in cyber space, the e-cash was introduced by using cryptographic primitives. Since a perfect anonymity system causes some illegal activities, such as money laundering, blackmailing, and illegal purchase, a revocable electronic system was paid a great attention to control the anonymity. In general, Trust Third Party(TTP) is introduced to detect any dubious user and coin, namely user tracing and coin tracing. In this paper we propose a new revocable anonymity e-cash system, and verify the security requirement as well. In our scheme a user first withdraws the e-coin from bank by using blind signature, and then TTP verifies the bank's signature and records the tracing information.

• Journal of Korea Game Society
• /
• v.10 no.3
• /
• pp.47-59
• /
• 2010

Differing from most of current studies which recognizing game item cash-trade as simple static system, this study approaches game item cash-trade as Complex Adaptive System through historical analysis. The item-trade is a complex phenomenon converging between cyber-economy and real-economy, and production and consumption process of game-item are evolving dynamically over time. The results are following: first, the early item-trade emerges in endogenously rather than results from purposed system designed by singular actor. Second, after the early item-trade, the trade system as a CAS which various voluntary actors(single user, factory, game company, user community, agency, etc.) participates in is self-organizing for trading safety and efficiency. Third, the complex adaptive item-trade system satisfies actor's needs interdependently and accelerate positive feedback powerfully. This study implies that purposeful control disregarding emergent adaptive item-trade system distorts system efficiency and can lead to unintended policy failure.

• The Journal of Information Technology
• /
• v.4 no.3
• /
• pp.1-17
• /
• 2001

This study is to examine some legal problems of cyber trade transactions and to suggest some policy implications to vitalize cyber trade by internet accomplishes electronic business from all process integration of production, marketing and customer service. However, there are some legal problems for the electronic commerce to be used in international trade activities such as trade contract transport documents and payment systems by internet. First international trade rules have to be legislated so that electronic documents has same legal function like traditional documents. Also electronic signature must has authenticity, integrity, non-repudiation, writing and confidentiality. Second, traditionally international payment systems such as letters of credits, remittance, documentary collections and open account have been operated as an important and popular method of payment. In the modern world of electronic commerce, information technology has made it possible to pay for the sale of goods and services over the internet. The payment methods such as Credit Card, Debit Card, Electronic Cash, Electronic Fund Transfers enable partly sellers, buyers and service providers to settle payment electronically through the internet. To settle the problems of payment systems, the security requirements for safe electronic Payments such as authenticity, integrity, non-repudiation have to be guaranteed. Also, electronic data interchange in transport documents has to be adopted and negotiability of electronic bills of lading has to be guaranteed. Electronic payment systems through SWIFT enable the sellers and the buyers to conduct and settle international business-to-business electronic commerce in case of solving the above problems and harmonizing the Bolero project.

• Proceedings of the Korean Information Science Society Conference
• /
• 2000.10b
• /
• pp.245-247
• /
• 2000

산업 혁명에 뒤이은 디지털 혁명 시대에 가장 큰 변화는 경제 활동의 변화를 들 수 있을 것이다. 기존에 존재하던 많은 실물 시장(Real Market)은 가상 공간(Cyber Space)상으로 이전하게 되고 이 속에서 디지털 데이터를 근간으로 각종 구입, 판매 그리고 대금 지불이 이루어지고 있다. 이러한 환경에서 가장 중요한 것은 지불 방법에 관한 문제로 기존의 지불 방법으로는 한계가 발생하게 된다. 인터넷 환경에 적합한 새로운 지불 방법이 요구되고 있으며 그 해결책으로서 전자화폐(Electronic Cash)가 등장하게 되었다. 전자화폐는 기존의 화폐를 대신하여 인터넷상의 전자상거래(Electronic Commerce)에서 사용되고 있으며, 실물 화폐와 더불어 중요한 지불 수단으로 등장하고 있다. 본 연구에서는 기존의 전자지불 수단을 비교, 분석하여 새로운 지불시스템인 혼합형 전자지불 시스템을 제시하고 구체적 활용에 대해 살펴보고자 한다.

• Journal of the Korea Society of Computer and Information
• /
• v.12 no.6
• /
• pp.201-206
• /
• 2007

Development of Information and Communication technology coming to activity of internet banking and electronic business, and smart card of medium is generalized prevailing for user authentication of electronic signature certificate management center with cyber cash, traffic card, exit and entrance card. In field that using public network, security of smart cart and privacy of card possessor's is very important. Point of smart card security is use safety for smart card by user authentication. Anonymous establishment for privacy protection and denial of service attack for availability is need to provision. In this paper, after analyze for Hwang-Li, Sun's, L-H-Y scheme, password identify element is a change of safety using one time password hash function. We proposed an efficient new smart card authentication protocol against anonymity and denial of service.

• Journal of Digital Convergence
• /
• v.20 no.3
• /
• pp.35-40
• /
• 2022

With the advent of the internet age and the outbreak of COVID-19, many companies have embraced online trade. However, due to the way the cyber economy works, the number of companies engaged in financial fraud by falsifying their transaction amounts and customer numbers has been gradually increasing. The purpose of this study is to analyze financial fraud of companies in the Internet era and to present solutions. Therefore, this study analyzed the financial fraud behavior of Luckin Coffee in China as an example and studied the causes and countermeasures of financial fraud. As a result, it was found that the cause of financial fraud lies in the opacity of cash flows from online transactions. The recommendations proposed by this study is to improve internal control systems in companies, develop risk management system, and establish comprehensive external supervision system

• International Commerce and Information Review
• /
• v.5 no.2
• /
• pp.19-45
• /
• 2003

The main issues addressed in this paper are as follows : First, this paper makes a distinction among types of e-money, IC card type versus Network type, open-loop type versus closed-loop type, online type versus offline type and accountable type versus unaccountable type, and analysis the clear and accurate criterion. Second, generally speaking, e-money is a claim on originator of e-money and not legal tender, so, delivery of e-money by itself does not relieve of monetary obligation. Between it is not easy to define e-money, by now there are many definitions of e-money, there is a legal uncertainty accordingly and then it is not easy to find proper law applicable to resolve a particular issue. As a result. many problems relating to e-money would be solved through analogical application of the moot proper law among the laws that apply to the cash, check, credit card, or fund transfer after analyzing type of e-money at issue. This paper studies the methods on diffusion of the utilization of electronic money. To diffuse the usage of electronic money, it need; prerequisitely as a basic conditions independence of electronic money, non-reusability, and anonymity. And also as a additional conditions it need; usability in the offline commerce, transferability, divisibility. And now electronic money is used very actively, but still has many Jaw problems such as protections of consumer, law enforcement, supervisory, etc. So electronic money has called as money, but it is sure that electronic money is not a legal tender. So to facilitate the economic function of the electronic monel it is need to supplement the electronic money in the legal sides.

• Journal of Korea Society of Digital Industry and Information Management
• /
• v.5 no.4
• /
• pp.231-247
• /
• 2009

With the growth of e-commerce banks make the best use of internet banking which can provide all sorts of financial services in cyber space and satisfy customers beyond traditional banking services which are cash reserve and loan based on retail. For survival of internet banking high quality of service should be provided to customers. For this, the attributes of service quality in internet banking should be identified first. The studies on scale of service quality in internet banking have been divided into two ways. While traditional way has focused on SERVQUAL, several researchers have developed scale of e-service quality. However, the dimension of e-service quality is applied from the traditional dimension of service quality. In this paper five dimensions of tangibles, reliability, responsiveness, assurance, and empathy based on SERVQUAL are used as scale of service quality in internet banking through reviewing previous studies. In addition, because service value is correlated to service quality, the dimensions of service quality can affect e-service value. The positive relationship among e-service value, customer satisfaction, and customer loyalty in online or offline service has been identified by previous studies. The purpose of this study is to identify the relationship among service quality, e-service value, customer satisfaction, and customer loyalty in internet banking. SPSS 12.0 is used to test validity and reliability of questionnaire items and correlation of variables and AMOS 4.0 is used to test the hypotheses. The results of this study show that the responsiveness, assurance, and empathy factors of service quality have a positive effect on service value and that the tangible and assurance factors have a positive effect on customer satisfaction. It also shows that e-service value affects positively customer satisfaction and loyalty. Customer satisfaction affects positively customer loyalty. Therefore, to enhance customer satisfaction and loyalty, service quality and value of internet banking should be improved through reinforcing customers' trust in internet service quality.