• Journal of Digital Contents Society
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• v.4 no.1
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• pp.1-10
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• 2003

This research focuses on the system design of a service method for a customized electronic card on the internet. It develops the system which covers from the input stage of the credit information including a credit card number, a debit card number, and a bank account number, through the process of decision for issuing the customized electronic card and for the payment of business transaction, to the payment stage. Users are allowed to make their own customized card depending on their situations by choosing a limit of balance, a number of usage, expiration date, recharge, and, anonymity of electronic card on the internet. These characteristics enhances convenience and security of card users. In addition, user's financial damage can be minimized when a credit card is lost by any reason.

• Journal of Digital Contents Society
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• v.14 no.1
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• pp.81-88
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• 2013

The increase of the smartphone users has popularized the mobile payment and the mobile credit card users are rapidly getting increased. The mobile credit cards that currently used provide its users with the service through downloading mobile credit card information into USIM. The mobile credit card saved in USIM has the minimized information for the security and is based on PKI. However certificate-based payment system has a complicated procedure and costs a lot of money to manage the certificates and CRL(Certificate Revocation List). Furthermore, It can be a obstacle to develop local e-commerce in Korea because it is hard for foreigners to use them. We propose the secure and efficient mobile credit card payment protocol based on certificateless signcryption which solve the problem of certificate use.

• Journal of Information Technology Applications and Management
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• v.13 no.4
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• pp.215-235
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• 2006

Recently, Development of IT and digital-tech, and this is becoming factor of digital contents industry development. But, problem that is more suitable e-business model's necessity and quality enemy of distribution web-site to digital contents as transaction this firm dispute by transaction special quality and Payment-system increase of digital contents increases rapidly was risen. In this study, Digital Contents qualify estimation very important persons of digital contents as sequence of study that investigate from target's viewpoint which is serviced through web-site that digital contents is not factors of web-site service method whether digital contents distribution web-site factors effect that is some in customer satisfaction from general viewpoint of actuality digital contents distribution and is the actual proof enemy. This paper's goal that these study finding leads as digital contents industry discusses individual enterprise's success and failure as field of business in quickening period yet but domestic digital contents industry field will be roared and may can have competitive power by enterprises which wish to already started business or inaugurate an enterprise enter in field with successful beginning and direction and develop continuously.

• Journal of Digital Convergence
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• v.15 no.4
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• pp.387-393
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• 2017

This study sought to improve the mobile easy payment services available in Korea by conducting a comparison analysis of Kakaopay, the front-runner of the mobile easy payment services in Korea's FinTech industry, compared to Naverpay, the relative newcomer in the industry. The services were compared by analysing users' experience. First, a literature review on the theoretical background of the FinTech and its characteristics was performed. Secondly, a survey created by reframing the six elements of the "Creating Pleasurable interfaces Model" by Stephen Anderson was conducted. In result, Kakaopay showed limited applicability caused by the lack of affiliated stores and it also showed the lack of reliability due to errors and cancellations related to the payments. It was shown that Naverpay also needs to make an effort to improve the reliability by minimizing errors in the use of the program and payments. This current study aimed to contribute as a resource which can be used, in the future, to improve the users' experience in FinTech services offered in Korea and also to invigorate the Fintech industry.

• Journal of Digital Convergence
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• v.17 no.1
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• pp.9-27
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• 2019

The purpose of this study is to examine consumers' responses to mobile payment services by using a text-mining technique focusing on Samsung Pay as it is used in both online and offline transactions. We conducted text frequency analysis, text clustering analysis, and text network analysis using R programming. The major findings are as follows. First, the most frequently used key words referenced the brand names of the mobile devices, the replacement of traditional wallets and unique functions of Samsung Pay. Second, there was a clear split between positive and negative responses at the macro level. Third, replacement of traditional wallets played a great role in the positive responses and continuous use of mobile payment services. This study provides in-depth understanding of consumer responses toward mobile payment services. It also offers practical implications that may help mobile payment marketers correspond to consumer values and expectations, thus increasing consumer satisfaction.

• The Journal of the Korea institute of electronic communication sciences
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• v.18 no.6
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• pp.1371-1378
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• 2023

Kiosks are gaining popularity as an essential tool that offers unmanned services and payment systems, and their use is rapidly increasing in the service industry. However, the use of kiosks can be challenging for the elderly who are not accustomed to digital technology and touchscreens. Consequently, this study develops an educational program that utilizes metaverse technology to enhance the digital skills and kiosk service accessibility of older adults. This research has created an educational system that allows the elderly to learn digital skills and kiosk access through play.

• Journal of Korea Society of Digital Industry and Information Management
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• v.14 no.4
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• pp.219-228
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• 2018

The utilization of NFC has been continuously increasing due to the spread of smart phones and the development of short-range wireless communication networks. However, it has been suggested that stability and security of convenient NFC short-range wireless communications can be unstable and problematic. The unstable causes for NFC are the lack of security technologies for NFC, the controversy about personal information infringement, and the lack of social awareness on security breach against data settlement. NFC service can be conveniently used by simply touching other NFC devices and NFC tags through the NFC device. This thesis analyzes that NFC authentication technology, which is convenient for user are one of the unstable causes of security of NFC. This thesis suggest that ministry should research countermeasures and promote how users can use NFC safely. It also suggests that users should have awareness when they use payment and authentication service through NFC to prevent from security threat.

• Management & Information Systems Review
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• v.14
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• pp.151-180
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• 2004

Owing to the digital revolution, Internet Commerce and Electronic commerce, revolutionize the way of doing business and making payment. The entrance of the Internet has a prominent for spread of Electronic Commerce and those phenomenons will result in paperless trading and cashless trade. By virtue of Internet, an increasing share of business transactions occurs online. Electronic payment is essential for the smooth progress of the electronic commerce as electronic payment plays the important role in the electronic commerce, that is, the value transfer restyling from the electronic commerce. Traditionally international settlement systems such as letters of credits, remittance and documentary collections operated as important and poplar method of payment, Now, information technology has made it possible to pay for the sale of goods and services over the internet. In international trade, there are service providers (bolero, TradeCard, BeXcom) to settle payment electronically through the Internet. The purpose of this study is to Conduct comparative analysis with approach manner functional respect systematic respect, role. It is shown which the Electronic payment system is better. In this study, the author attempts to find the problems is (bolero, TradeCard, BeXcom) and solutions in switching from the documentary payment system to the electronic one. This conclusion of this study can be summarized as followings. In resoect of the law, bolero should seek to prevert the users from being treated unfairly due to multilateral agreement on Rulebook. TradeCard, BeXcom do not have the proper law that users are governed. so far as the practice problems concerned, stability of computer's operation and security of message interchange should be warranted and improved continuously. Through the standardization of the electronic document and the development of software, the examination of the shipping occuments must be done automatically. Bolero should induce more banks to take part in Bolero, and make the carrier the cost and time in managing the traditional document which will be used for the time being. In respect of information technology and security, to deduce the risk in the electronic settlement system and positively uses the global authentication guideline(Identrus).

• Journal of Information Processing Systems
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• v.8 no.3
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• pp.495-520
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• 2012

A secure Electronic Payment System (EPS) is essential for the booming online shopping market. A successful EPS supports the transfer of electronic money and sensitive information with security, accuracy, and integrity between the seller and buyer over the Internet. SET, CyberCash, Paypal, and iKP are the most popular Credit Card-Based EPSs (CCBEPSs). Some CCBEPSs only use SSL to provide a secure communication channel. Hence, they only prevent "Man in the Middle" fraud but do not protect the sensitive cardholder information such as the credit card number from being passed onto the merchant, who may be unscrupulous. Other CCBEPSs use complex mechanisms such as cryptography, certificate authorities, etc. to fulfill the security schemes. However, factors such as ease of use for the cardholder and the implementation costs for each party are frequently overlooked. In this paper, we propose a Web service based new payment system, based on ANSI X9.59-2006 with extra features added on top of this standard. X9.59 is an Account Based Digital Signature (ABDS) and consumer-oriented payment system. It utilizes the existing financial network and financial messages to complete the payment process. However, there are a number of limitations in this standard. This research provides a solution to solve the limitations of X9.59 by adding a merchant authentication feature during the payment cycle without any addenda records to be added in the existing financial messages. We have conducted performance testing on the proposed system via a comparison with SET and X9.59 using simulation to analyze their levels of performance and security.

• Journal of Digital Convergence
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• v.13 no.7
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• pp.333-340
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• 2015

Mileage system in some online media, I have a lot of use. In addition, there are a lot of companies that are making money by using the mileage system. A mileage system is the first airline in such a way that the service in the late 1980s, many states now listed sungineung and features. In addition, there are many industries that reported good results using a mileage system used by carriers in other industries. However, mileage of the current game industry has not been introduced, it is not the service by using the concept of point returning to the user is purely a function of mileage. So a lot of developed payment systems in the mobile industry since 2010, proposed a better and more current online payment systems industry has an easy hybrid revenue model for mobile games service convergence mileage using this system.