• Title/Summary/Keyword: Digital Bank

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A Digital Door Lock System Using Time- Synchronous One Time Password (시간 동기 방식의 OTP를 이용한 디지털 도어락 시스템)

  • Hwang, Hyung-Jin;Kim, Kweon-Yang;Ha, Il-Kyu
    • Journal of the Korea Institute of Information and Communication Engineering
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    • v.21 no.5
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    • pp.1027-1034
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    • 2017
  • Recently, OTP (One-time-Password) log-in methods have been used in many areas to prevent leakage of personal information and enhance security. The OTP method is primarily used for security of bank personal account, this is one of the sophisticated security ways in which one time password is generated and checked to enhance security. Digital door locks frequently used in everyday life require convenience and safety simultaneously. Meanwhile, related technologies for digital door locks are evolving, but methods for enhancement of security are still unsatisfactory. Generally, the digital door lock using password input type has been most commonly used and especially it provides more convenience, but it has some problems such as password exposure and password oblivion. Therefore, in this study, we propose and implement the OTP-based digital door lock system with enhanced security and convenience features but without the risk of password exposure and oblivion.

A Study on the Employment Effects of the Digital Bio-healthcare Industry (디지털바이오헬스케어산업의 고용유발효과에 관한 연구)

  • Jang, Pilho;Kim, Yongwan;Jun, Sungkyu;Lee, Changwoon;Jung, Myungjin
    • Journal of Information Technology Services
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    • v.19 no.2
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    • pp.23-35
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    • 2020
  • The development of digital technology is changing the paradigm of the healthcare industry to preventive and consumer-oriented. The combination of the ICT industry and the bio-healthcare industry is emerging as a core industry in the era of the Fourth Industrial Revolution. The Korean government has also selected the bio-healthcare industry as one of the three key future development industries. In May, the government announced its bio-health industry innovation strategy and set a goal of 300,000 employees. Therefore, analyzing the effects of employment on the related industries of the digital bio-healthcare industry is very important for the establishment of future industrial and technology development policies. The research method restructures the integrated classification of 32 industries into 34, including the digital bio-healthcare industry, using the classification criteria of the government and professional institutions, and then reorganizes the digital bio-healthcare industry into eight industries classified as one industry group. The analysis data was taken from the Bank of Korea's 2019 data. Various trigger coefficients and ripple effects coefficients were rewritten using the analysis method of the Input-output Statistics. The analysis of the results compares the employment-induced effects of the digital bio-healthcare industry and the ripple effects of related industries in production, investment and value-added. In addition, in terms of investment effect, the effects of in-house and related industries were compared. It is hoped that the results of this study will be used to establish employment and industrial policies.

An Offline Electronic Payment System Based on an Untraceable Blind Signature Scheme

  • Kutubi, Md. Abdullah Al Rahat;Alam, Kazi Md. Rokibul;Tahsin, Rafaf;Ali, G.G. Md. Nawaz;Chong, Peter Han Joo;Morimoto, Yasuhiko
    • KSII Transactions on Internet and Information Systems (TIIS)
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    • v.11 no.5
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    • pp.2628-2645
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    • 2017
  • This paper proposes a new offline electronic payment (e-payment) system that satisfies the major security requirements of e-payment, i.e. anonymity, unlinkability, unforgeability, double spending control, conditional traceability, and fraud prevention. The central idea is the use of Hwang et al.'s RSA-based untraceable blind signature (BS), which disables the link between the e-coin and its owner and ensures the anonymity of both the customer and the merchant. It attaches an expiration, a deposit and the transaction dates to each e-coin in order to manage the database of the bank effectively, to correctly calculate the interest on the e-coin and to aid arbitration if a dishonest customer attempts to double-spend the coin. It also ensures the anonymity of the customer as long as the coin is spent legitimately. Only when a fraudulent e-coin transaction is detected can the bank, with the help of the central authority (a trusted entity), determine the identity of the dishonest customer. The system is referred to as offline since the bank does not need to be concurrently involved in transactions between a customer and a merchant. Finally, analyses of the performance of the prototype and the primary security requirements of the proposed system are also presented.

Development of a System for UX Analysis of Financial Mobile App Review Data and Its Verification (금융 모바일 앱 리뷰 데이터의 UX 분석을 위한 시스템 개발 및 검증)

  • Jiye Hyeon;Yeongmin Son;Jae Wan Park
    • The Journal of the Convergence on Culture Technology
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    • v.9 no.1
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    • pp.755-761
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    • 2023
  • As digital transformation accelerates, the proportion of non-face-to-face services in financial services is also increasing. Recently, user experience has emerged to secure competitiveness in mobile services, and analysis techniques to improve user experience have emerged. User review data, one of the data used for quantitative evaluation, contains a lot of unnecessary information, which is time-consuming to derive improvement directions. Therefore, this study aims to develop a UX analysis system based on the hierarchy of UX needs by using a cosine similarity algorithm and analyze user review data of Kookmin Bank, Woori Bank, Kakao Bank, and Toss for verification. This study proved that the developed UX analysis system is a system that can effectively analyze UX through the analysis of user review data. The system of this study is expected to be easily used to identify improvement plans for the hierarchy of UX needs in an agile organization that needs to quickly reflect customer feedback.

How Internet has Reshaped the User Experience of Banking Service?

  • Nam, Kiheung;Lee, Zoonky;Lee, Bong Gyou
    • KSII Transactions on Internet and Information Systems (TIIS)
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    • v.10 no.2
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    • pp.684-702
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    • 2016
  • The changes new technologies have brought to banking over the past decade are enormous in their impact on the ways of doing business and providing customer services, most notably in the areas of customer service channels. Banks have been trying to move away from the traditional, branch-based and costly staff-assisted channels toward self-assisted channels, i.e. internet banking and mobile banking, to drive down costs and improve customer loyalty. How internet and mobile have reshaped the user experience of banking service channel? To provide valuable insights for this question, this research investigates and compares customer's channel choice behavior and profit changes from bank's branch closure. Applying the propensity scoring matching method, the results of analysis demonstrates that the mobile channel can be a realistic alternative to conventional branches. Also, the reserch result shows banks can reduce conventional branches while experiencing a positive implications on their profits from the customers. Another significant implication from the research is, to accelerate the shift to digital channels, banks need to put more efforts on developing functions in the mobile channel that will allow friendly interaction with customers and consultation, such as video consultation, interactive chat, and location-based product recommendation.

Development of Adaptive Feedback Cancellation Algorithm for Multi-channel Digital Hearing Aids (다채널 디지털 보청기를 위한 적응 궤환 제거 알고리즘 개발)

  • 이상민;김상완;권세윤;박영철;김인영;김선일
    • Journal of Biomedical Engineering Research
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    • v.25 no.4
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    • pp.315-321
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    • 2004
  • In this study, we proposed an adaptive feedback cancellation algorithm for multi-band digital healing aids. The adaptive feedback canceller (AFC) is composed of an adaptive notch filter (ANF) for feedback detection and an NLMS (normalized least mean square) adaptive filter for feedback cancellation. The proposed feedback cancellation algorithm is combined with a multi-band hearing aid algorithm which employs the MDCT (modified discrete cosine transform) filter bank for the frequency-dependent compensation of hearing losses. The proposed algorithm together with the MDCT-based multi-channel hearing aid algorithm has been evaluated via computer simulations and it has also been implemented on a commercialized DSP board for real-time verifications.

Digital Image Processing Using Tunable Q-factor Discrete Wavelet Transformation (Q 인자의 조절이 가능한 이산 웨이브렛 변환을 이용한 디지털 영상처리)

  • Shin, Jong Hong
    • Journal of Korea Society of Digital Industry and Information Management
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    • v.10 no.3
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    • pp.237-247
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    • 2014
  • This paper describes a 2D discrete-time wavelet transform for which the Q-factor is easily specified. Hence, the transform can be tuned according to the oscillatory behavior of the image signal to which it is applied. The tunable Q-factor wavelet transform (TQWT) is a fully-discrete wavelet transform for which the Q-factor, Q, of the underlying wavelet and the asymptotic redundancy (over-sampling rate), r, of the transform are easily and independently specified. In particular, the specified parameters Q and r can be real-valued. Therefore, by tuning Q, the oscillatory behavior of the wavelet can be chosen to match the oscillatory behavior of the signal of interest, so as to enhance the sparsity of a sparse signal representation. The TQWT is well suited to fast algorithms for sparsity-based inverse problems because it is a Parseval frame, easily invertible, and can be efficiently implemented. The TQWT can also be used as an easily-invertible discrete approximation of the continuous wavelet transform. The transform is based on a real valued scaling factor (dilation-factor) and is implemented using a perfect reconstruction over-sampled filter bank with real-valued sampling factors. The transform is parameterized by its Q-factor and its oversampling rate (redundancy), with modest oversampling rates (e. g. 3-4 times overcomplete) being sufficient for the analysis/synthesis functions to be well localized. Therefore, This method services good performance in image processing fields.

Effective Separation Method for Single-Channel Time-Frequency Overlapped Signals Based on Improved Empirical Wavelet Transform

  • Liu, Zhipeng;Li, Lichun;Li, Huiqi;Liu, Chang
    • KSII Transactions on Internet and Information Systems (TIIS)
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    • v.13 no.5
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    • pp.2434-2453
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    • 2019
  • To improve the separation performance of time-frequency overlapped radar and communication signals from a single channel, this paper proposes an effective separation method based on an improved empirical wavelet transform (EWT) that introduces a fast boundary detection mechanism. The fast boundary detection mechanism can be regarded as a process of searching, difference optimization, and continuity detection of the important local minima in the Fourier spectrum that enables determination of the sub-band boundary and thus allows multiple signal components to be distinguished. An orthogonal empirical wavelet filter bank that was designed for signal adaptive reconstruction is then used to separate the input time-frequency overlapped signals. The experimental results show that if two source components are completely overlapped within the time domain and the spectrum overlap ratio is less than 60%, the average separation performance is improved by approximately 32.3% when compared with the classic EWT; the proposed method also improves the suitability for multiple frequency shift keying (MFSK) and reduces the algorithm complexity.

Bitcoin Cryptocurrency: Its Cryptographic Weaknesses and Remedies

  • Anindya Kumar Biswas;Mou Dasgupta
    • Asia pacific journal of information systems
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    • v.30 no.1
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    • pp.21-30
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    • 2020
  • Bitcoin (BTC) is a type of cryptocurrency that supports transaction/payment of virtual money between BTC users without the presence of a central authority or any third party like bank. It uses some cryptographic techniques namely public- and private-keys, digital signature and cryptographic-hash functions, and they are used for making secure transactions and maintaining distributed public ledger called blockchain. In BTC system, each transaction signed by sender is broadcasted over the P2P (Peer-to-Peer) Bitcoin network and a set of such transactions collected over a period is hashed together with the previous block/other values to form a block known as candidate block, where the first block known as genesis-block was created independently. Before a candidate block to be the part of existing blockchain (chaining of blocks), a computation-intensive hard problem needs to be solved. A number of miners try to solve it and a winner earns some BTCs as inspiration. The miners have high computing and hardware resources, and they play key roles in BTC for blockchain formation. This paper mainly analyses the underlying cryptographic techniques, identifies some weaknesses and proposes their enhancements. For these, two modifications of BTC are suggested ― (i) All BTC users must use digital certificates for their authentication and (ii) Winning miner must give signature on the compressed data of a block for authentication of public blocks/blockchain.

Three Dimensional Analysis Using Digital Elevation Model on the Coastal Landform of the Sacheon Bay, South Sea of Korea (수치고도 모델을 이용한 사천만 해안지역의 3차원 지형분석)

  • Lee, Min-Boo;Kim, Nam-Shin;Han, Kyun-Hyeung
    • Journal of the Korean association of regional geographers
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    • v.9 no.2
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    • pp.203-216
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    • 2003
  • The process of constructing coastal digital elevation model(DEM), for the 3 dimensional analysis, is composed by abstracting land layers for land elevation and water depth, reprojecting UTM, relocating geographical grid, and interpolating works. The geomorphic set of shallow sea, including tidal current, tidal zone deposition, and water depth distribution, was analyzed by eye search of Landsat TM image, masking of land zone, band combination and regression analysis. Some horizontal differences, between combined DEM and surveyed data of shallow sea, was corrected for analysis. Analyzed geomorphic elements are stream channel, alluvial fan, coastal terrace, tidal current. and shallow sea bank. Results of analysis present that transported fluvial materials influence tidal sedimentation, especially from Gahwacheon river, for the role of artificial draining flooding waters from Jinyang Reservoir, almost in the summer season. In the coastal area with less tidal current, more fine materials are deposited. The influence of currental deposition are higher on small pockets with west coast of well developed terraces. The lower skirt of alluvial fans developed into the tidal zone of shallow sea. Small pocket type bays are closed by coastal current, and less influenced from tidal deposition. The bank of Jinju Bay are developed originally from submerging of remnant erosional mountain ranges, and play on the role of trapping fine materials.

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