• Convergence Security Journal
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• v.6 no.2
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• pp.13-20
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• 2006

Since the domestic internet banking environment has established for Microsoft Internet Explorer (IE), the internet banking service is not able to use in the open operating system and web browser such as linux and freeBSD. To solve the :problem, we develop the digital signature system used the seed for the digital payment system in the open software environment. Because the domestic internet banking performs the certificate and digital signature verification through official certificate that the official certificate authority issues, we analyze and develop the verification of validity system for the official certificate. Since the virtual internet banking environment is already established in the web server developing under the self-abilities, the basic internet banking service can be performed installing the certificate in the client which has the mozilla porting the seed. Finally, we can confirm that the certificate and digital signature are performed normally through the experiment.

• International Journal of Computer Science & Network Security
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• v.23 no.11
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• pp.53-58
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• 2023

The trend of satisfying consumer needs (payment for mobile communication, music services, cab ordering, banking products, and food delivery) on a unified online platform has shaped a digital ecosystem, an instrument creating a unified space of economic interaction. Representatives of e-commerce are major stakeholders in the development of such tools. In particular, subscription services (multiservice subscriptions) allow users to create their own ecosystems based on their personal preferences. The rate of subscription service use is growing around the world, yet understanding of the peculiarities of development of this e-commerce sphere is limited due to insufficient research.The study aims to determine the motives and barriers to the use of subscription services (multiservice subscriptions) by consumers and their relationship with consumer characteristics.Proceeding from an online survey of 200 users, the study determines the relationship between the gender and income of consumers and their use of subscription services, motives and motivators for using subscription services, and barriers to the choice of a particular subscription service. The obtained results may serve as a basis for managerial decisions in e-commerce and for improving the effectiveness of marketing solutions.

• Journal of Digital Convergence
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• v.20 no.3
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• pp.131-143
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• 2022

Focusing on FinTech keywords, this study is analyzing newspaper articles and Twitter data by using text mining methodology in order to understand trends in the industry of domestic digital financial service. In the growth of FinTech lifecycle, the frequency analysis has been performed by four important points: Mobile Payment Service, Internet Primary Bank, Data 3 Act, MyData Businesses. Utilizing frequency analysis, which combines the keywords 'China', 'USA', and 'Future' with the 'FinTech', has been predicting the FinTech industry regarding of the current and future position. Next, sentiment analysis was conducted on Twitter to quantify consumers' expectations and concerns about FinTech services. Therefore, this study is able to share meaningful perspective in that it presented strategic directions that the government and companies can use to understanding future FinTech market by combining frequency analysis and sentiment analysis.

• Journal of Digital Convergence
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• v.10 no.1
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• pp.125-133
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• 2012

The volume of electronic banking service via smart phone is expected to increase dramatically under smart convergence environment. Under such circumstances, the effort to establish the mobile electronic banking culture which took a major step forward from the conventional electronic commerce method is essential. It is necessary to standardize the mobile payment infrastructure in order to resolve the initiative conflicts between financial institutions and newly launched non-financial institutions. Furthermore, a domestic and international strategy is required as the number of NFC technology based smart phone transaction business is increased. As various types of business enter the electronic commerce field, efforts to resolve the dissatisfaction of the customers are critical. Additionally, security is one of the significant issue due to the conversation process to open-type operating system. This study surveyed and analyzed the current domestic and foreign status, the problems in Korea, and suggested an effective counterplan and policy, which could be helpful in governments' preparation for electronic commerce policy.

• Journal of Digital Convergence
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• v.14 no.10
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• pp.423-430
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• 2016

The purpose of this paper is to explore and analyze design of USATODAY.COM aimed at being helpful for Chinese online news industry to search for the way forward. USATODAY.COM which converges print and online newsrooms is regarded as a pioneer in the online communication media. It engages interaction with users and their demand, and provides the best level of website and service design. This paper conducted through both theoretical works and design analyses by randomly visiting USATODAY.COM from May 23 to June 5, 2016. USATODAY.COM maintains consistent and high quality of a visual identity system on its homepage, and it is strongly linked to that of USA TODAY. Also, USATODAY.COM provides unique content provision methods, interactive features, advertisement and payment functions through service design considering the user experiences and needs. Based on its results, it is expected to contribute to Chinese online newspaper market which has an astonishing chance to grow.

• Journal of Digital Convergence
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• v.18 no.10
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• pp.175-180
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• 2020

Through case studies for insurance service marketing using artificial intelligence(AI) in the insurtech industry, it investigated how innovative technologies(artificial intelligence, machine learning etc.) are being used in the insurance ecosystems. In particular, through domestic and international case studies, it was examined by Lemonade's service of insurance contracts and getting the indemnity and AI company's service of calculating the compensation through a medical certificate image based on OCR, which brought disruptive innovations using artificial intelligence. As a result of the case analysis, these services have drastically shortened the lead time of insurance contracts and payment through machine learning using numerous customer data based on artificial intelligence. And accurate and reasonable compensation was calculated in the estimation of indemnity, which has a lot of disputes between customers and insurance companies. It was able to increase customer satisfaction and customer value.

• 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.

• Journal of Digital Convergence
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• v.11 no.2
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• pp.257-262
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• 2013

In mobile market which has been developed drastically, short distance mobile Near Field Communication is becoming the conversation topic. Google adopted this NFC technology to Android 플랫폼 for securing the leadership and many another countries including domestic companies are putting spurs to develop service and technology by connecting mobile carrier and the financial. Within this circumstance, most noticeable issue is securing stability of nfc application service. Android 플랫폼 is operating system of mobile device and also a software stack which is required limited hardware and immediate response. However, since its structural characteristic which is suitable for limited hardware, the response is not quite stable for real time process. That is, this paper researches by analyzing real time response of NFC related library provided from Android 플랫폼 and applying the result to NFC application for securing stable data process and response.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.17 no.6
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• pp.57-64
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• 2007

As a ubiquitous environment approaches and the use of the wireless Internet using the mobile terminals is on the increase. Therefore, the users have to undergo the inconvenience of repeatedly input the same information for the user registration and the ID certification. The information the users have to put in to register in on-line services range from the basic personal information to the more other private information such as financial information. Accordingly the user can be in control of users personal information and safely manage the information by conveniently selecting from the Digital ID Wallet the Ticket that holds various information including the basic, financial or payment certification-related information. Consequently, we propose a digital identity management mechanism to control one's personal information in a mobile environment.

• 한국IT서비스학회:학술대회논문집
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• 2007.05a
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• pp.500-505
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• 2007

디지털 음악상품의 유료화 서비스를 위해 P2P 서비스 업체들은 콘텐츠를 다운로드 할 때 주는 자와 받는 자간에 포인트를 주고받는 것이 일반화되어 있었다. 그러나 이러한 방식은 다운로드 건별로 사용료를 지급해야 할 권리자와 콘텐츠를 명확하게 연결할 수 있는 콘텐츠 식별 방법이 없는 상태에서 진행되는 것이다. 따라서 명확한 음악식별이 중요한데, 불특정 다수가 제공하는 콘텐츠는 일반적으로 정보가 부정확하고 일관성이 결여되어 있어 해시 기술이나 음악인식 기술 등의 신뢰할 수 있는 콘텐츠 식별 방법을 이용하여 저작권 관리를 하여야 한다. 본 연구에서는 해시 기술 및 콘텐츠 인식 기술을 융합하여 두 기술의 장점만을 활용함으로써 해시 기술의 빠른 속도와 콘텐츠 인식 기술의 편리함을 동시에 제공한다. 이를 바탕으로 저작권 DB 관리 방법, 요금 결제 및 정산 방법 등을 이용하여 P2P 서비스의 유료화를 구현하고자 한다.