• THE INTERNATIONAL COMMERCE & LAW REVIEW
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• 제12권
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• pp.495-518
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• 1999

Since the end of World War II, the standby letters of credit have been used as a surety device, serving as a performance bond and guarantee in the world. In Korea, the standby letters of credit have been also being used in international transactions. But there have been a few studies on the standby letters of credit. This study is carrying out to reveal the characteristics of the standby letters of credit and the documentary letters of credit and also between the standby letters of credit and guarantees. Secondly, this study is carrying out to indicate types of practical use of standby letters of credit in international transactions, i.e. bid bonds, performance bonds, advanced payment guarantees etc.. Finally, this study is carrying out to indicate governig rules regarding standby letters of credit, i.e. URCG, URDG, UCP, UN Convention on Independent Guarantees and Standby Letters of Credit, ISP etc..

• Journal of Information Technology Services
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• 제2권2호
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• pp.53-62
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• 2003

Current P2P (Peer-to-Peer) applications have the limited functions such as file search and transfer between peers and have the limitations such as trust problem on search results, copyright problem, and profitable business model problem. For a P2P application to be used as a business platform for the distribution of various multimedia contents, this paper proposes an extended P2P application architecture and its prototype system including distributed collaborative filtering, automated price negotiation system, and payment mechanism.

• The Journal of Society for e-Business Studies
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• 제3권1호
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• pp.155-173
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• 1998

In this paper we present the development of internet banking and its impact on financial market. The internet banking has been introduced since 1990s, from which customers could obtain most financial services over internet, and will replace with the traditional banks. According to a survey, most of bankers agree that internet will play an important role in banking industry. The internet banking has an enormous impact on the transfer system and banking industry. The transfer system is divided into two-large-value transfer system and small-value transfer system, depending on the size of its transfer amount. The internet banking will enhance the transfer system, especially small-value transfer system. It will reduce the time lag between transaction of service and its payment. However, a congestion or a blockage in a part of network might stop the financial service all over the network, which is called "computer risk". As internet banking develops, banks have incentives to reduce their branches and have to compete with information-business companies which can offer financial EDI.

• Proceedings of the Korean Information Science Society Conference
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• 한국정보과학회 2012년도 한국컴퓨터종합학술대회논문집 Vol.39 No.1(C)
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• pp.210-211
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• 2012

본 논문에서는 N-Device 환경의 인증, 지불, 전자서명을 스마트폰에 탑재된 스마트지갑앱을 이용하여, 동일한 UX로 편리하게 이용할 수 있게 해주는 스마트채널 기술을 제안한다. 스마트채널 기술은 스마트 TV등 클라이언트 디바이스에서 스마트폰으로 인증, 지불 등의 트랜잭션을 이관하는 트랜잭션 트랜스밋 기술과 클라이언트 디바이스의 웹브라우저와 웹서버 간에 e2e 메시지 보안을 플러그인 없이 제공하는 메시지 보안 기술로 구성된다. 스마트채널 기술을 적용하면 서비스 제공자는 단일한 웹페이지를 이용해 모든 디바이스에 서비스할 수 있으며, 일체의 플러그인이 필요없게 된다. 이용자는 스마트지갑에만 크리덴셜을 저장 관리하고 이용하면 된다.

• Journal of the Korea Academia-Industrial cooperation Society
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• 제15권8호
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• pp.5294-5302
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• 2014

The development of public-key-based technique that enables a variety of services(E-government, e-banking, e-payment, etc.) evaluated as having complete safety. On the other hand, vulnerabilities(e.g, heartbleed bug, etc.) are constantly being discovered. In this paper, a public key infrastructure to verify the safety and reliability, the collision rate using OpenSSL key pair was analyzed. the experiment was performed using the following procedure. Openssl was used to create five private certification agencies, and each of the private certificate authority certificates to create 2 million, generating a total of 10 million by the certificate of the key pair conflicts analysis. The results revealed 35,000 in 1 million, 0.35% chance of a public key, a private key conflict occurred. This is sufficient in various fields(E-payment, Security Server, etc.). A future public-key-based technique to remove the threat of a random number generator, large minority issues, in-depth study of selection will be needed.

• Information Systems Review
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• 제23권3호
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• pp.177-200
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• 2021

Recently, the use of prepaid electronic payments such as electronic wallets, digital currency and prepaid points is gradually increasing. Prepaid electronic payments has the characteristic of being used after charging first. This study empirically investigated the factors affecting the intention to use online charging in order to help improve the service that require prepaid recharge by applying transformed TAM. Since there are not many previous studies for the intention to use online charging, we extract factors through preceding researches for electronic cash and mobile easy payment. Also we analyze the intention to use online charging for transportation card users, focusing on the moderating effects. As a result of the study, it was found that 'convenience', 'ubiquity', and 'self-efficacy' among the independent variables had a positive (+) effect on mediation variable 'perceived usefulness'. 'Perceived usefulness' was analyzed to have a significant influence on the dependent variable 'usage intention'. According to users' gender, internet usage time, internet shopping frequency, online charging frequency and transportation card usage type, the moderating effect was significant on 'perceived usefulness' and 'usage intention'. As an implication, it was suggested that service improvement and differentiated marketing are needed in direction of increasing the usefulness of services. Additional research directions were proposed for services such as e-wallets, prepaid points and digital currencies by adding other factors and moderate variables.

• Journal of Korea Society of Digital Industry and Information Management
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• 제13권1호
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• pp.159-171
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• 2017

The purpose of this study is to investigate the effects of e - commerce technology characteristics and personal values on purchasing behavior by information security importance. The results of the empirical study that examined the university students in 2006 and 2016 are as follows. First, personal value is centered on personal values, such as self - esteem and self - esteem in 2006. In 2016, however, personal values such as self - fulfillment and personal relationship with others are important. Transactional ease and product service serve as the main value of the fun and pleasure of life, but the sense of accomplishment as the core value of information protection. Second, the technical characteristics of e-commerce are as follows. In terms of ease of transaction and product service, technology characteristics are simplified and directly effected over time. On the other hand, information protection works very closely with individual value, There was a strong tendency to enjoy benefits. Especially in 2006, if you want to enjoy transactional convenience through transaction information security or benefit from product service, it has been changed to recognize the importance of information security through payment in 2016.

• International Commerce and Information Review
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• 제7권4호
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• pp.157-177
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• 2005

In many countries, a Single Window system for simplifications is establishing in order to reduce works submitted double data and compliance costs. A Single Window is defined as a facility that allows parties involved in trade and transport to lodge standardized information and documents with a single entry point to fulfil all import, export, and transit-related regulatory requirements. A Single window can bring improved level of security, faster clearance and reduced compliance costs. UN/CEFACT released "Recommendation and Guidelines on establishing a Single Window to enhance the efficient exchange of information between trade and government". Also, WCO has made progress several projects to assist effective establishing a single window, i.e. CDM, UCR, ICT. Korea has being established a single window system, "e-trade platform" connected with trade, clearance, logistics, marketing and payment system. Some suggestions to establish a effective single window system in Korea are as follows. Firstly, it is necessary to clearly define roles and responsibilities of a lead agency in a single window system and form a organic relationship with PGA. Secondly, a single window system has to be progressed by stages, namely, customs clearance portal system should be established first, and later established e-trade platform. Lastly, the Korean government has to take part in CDM project to gain an advantage over other countries.

• Journal of the Korean Data and Information Science Society
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• 제11권2호
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• pp.347-357
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• 2000

In this study, the buying pattern of consumers in domestic e-business is analyzed by conjoint analysis. We showed the followings through online survey: the consumers prefer comprehensive distributing company to broker type company, the product of the well-known company to that of the specialized company in brand, credit to e-money for payment. Quick delivery and the convenience in exchanges and refunds are more preferable.

• International Journal of Computer Science & Network Security
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• 제23권11호
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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.