• 제목/요약/키워드: Easy Payment Services

검색결과 39건 처리시간 0.033초

무작위적인 그래픽 코드를 이용한 인증 알고리즘 (Authentication Algorithm using Random Graphic Code)

  • 정필성;조양현
    • 한국융합학회논문지
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    • 제10권12호
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    • pp.63-69
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    • 2019
  • 스마트폰을 이용하면 쉽고 빠르게 인증과 결제가 가능하다. 하지만 스마트폰 보안 위협이 다양하고 새로운 해킹기술로 진화하고 있고 모바일 환경에 특화된 공격 형태로 변화하고 있다. 따라서 모바일 환경에 적합한 인증방법이 요구되고 있다. 현재 지식기반 인증의 보안 취약점을 해결하기 위한 방법으로 금융, 게임, 로그인 등 인증 서비스를 제공하기 위해서 많은 업체에서 일회용 비밀번호(One Time Password)와 같은 2단계 인증 서비스를 제공하고 있다. OTP 서비스는 사용하기 쉽지만 난수표에 대한 복제가 용이하며 제한시간 내에는 유효한 값으로 사용되기 때문에 재사용이 가능한 단점이 존재한다. 본 논문에서는 스마트폰의 전용 애플리케이션을 통해 특수 문자를 인식한 인증 방법을 이용하여 이용자가 높은 보안성을 가지고 쉽고 빠르게 인증을 진행할 수 있는 매커니즘에 대해서 제안한다.

Building Customer Loyalty In Digital Transaction Using QR Code: Quick Response Code Indonesian Standard (QRIS)

  • CHOHAN, Fulshah;ARAS, Muhamad;INDRA, Ricardo;WICAKSONO, Andhika;WINARDI, Freddy
    • 유통과학연구
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    • 제20권1호
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    • pp.1-11
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    • 2022
  • Purpose: Increasing advancements in the technology industry are forcing people to become more accustomed to digital financial transaction activities. The need for fast and secure payment mechanisms has birthing new idea to digital financial transaction services. Along with increasing access to technology in digital payments, new service is developed in the form of digital wallets as the successor for electronic money. Research design, data and methodology: This research aims to find out whether using QR code as digital payment tool can build customer loyalty in consumers, especially to measure the factors of satisfaction, trust and commitment of customers to do payments with QR Codes. The QR code in this study is refer to the Quick Response Code Indonesian Standard (QRIS) which was officially implemented by Bank Indonesia starting on January 1, 2020 as a means of payment for digital transactions nationally. The research method uses a quantitative approach by way of surveying questionnaires using Likert scale of 100 samples. Results: The hypothesis analysis proved that the variables of satisfaction, trust and commitment together have positive and significant influences on customer loyalty. Conclusion: This research found that there are high interest in Millennials to do transaction using QRIS because it is deemed to be more easy, quick and safe. If a customer achieves a level of loyalty in the usage of digital transaction using QRIS then cashless society lifestyle can be considered successful and can be used in the future.

통합 아이디를 이용한 안전한 모바일 월렛 시스템 (The secured mobile wallet system using by integrated ID)

  • 남춘성;전민경;신동렬
    • 인터넷정보학회논문지
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    • 제16권1호
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    • pp.9-20
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    • 2015
  • 현대의 사회는 Single tapping, 단방향 통신, 통합 아이디 등 빠름, 간편함, 편리함을 위해 최대한 사용자의 행동 패턴을 줄이고 소모시간이 적게 걸리는 기술이 우선시 되고 있다. 스마트 웰렛 시장과 마찬가지로 사용자의 편의성, 신속성, 간편성을 적용하려는 분야는 통합 아이디 시장이다. 일반적으로 사용자들이 잊어버리기 쉬운 ID와 패스워드를 통합 관리하기 위한 시스템으로서 다수의 ID와 패스워드를 보유하고 있는 사용자가 보유한 다수의 정보를 시스템에 등록하여 한 번의 로그인에 의해 다수의 서비스를 받을 수 있는 기술이다. 하지만 OpenID 시대의 도래에도 다수의 서비스들에서 해당 기술이 적용되지 않는 이유가 각 사업자의 사이트에 일일이 가입해야 하는 등 서로의 이익을 위해 기술 적용을 꺼리는 경우가 많다. 또한, 다수의 포인트 사업자에 가입이 되어 있을 경우, 어떤 포인트의 적립이나 할인이 사용자 본인에게 더 유리한지 한눈에 확인할 수 없기 때문에 스스로 포인트 카드에 맞는 유리함을 계산해야하는 어려움이 있다. 따라서 본 논문은 사용자의 편의성을 위하여 단하나의 ID로 여러 가입된 사이트 및 카드 포인트 적립, 결제와 같은 서비스를 이용할 수 있도록 안전한 통신 아이디어를 제안한다. 또한, 통합 ID를 통하여 가맹점의 혜택 카드를 일일이 찾는 수고를 줄여 보다 간편하고 효율적인 적립이나 할인을 제공할 수 있는 시스템을 제안한다.

금융상품정보제공 실태파악을 위한 금융상품팜플렛 내용분석 (A Study on the Information Disclosure of Financial services Using Content Analsysis)

  • 허은영;최현자
    • 대한가정학회지
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    • 제38권11호
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    • pp.63-75
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    • 2000
  • To identify the actual situation of financial information disclosure, a content analysis was performed on pamphlets of a time deposit and a new reserve trust offered by banks and other financial institutes. Although consumers required information on interest rate, tax favor, loan service, protection of brink depositors and bank security to select a financial service account, informations offered on pamphlets are not sufficient. Therefore concrete way of information offer system shoed be developed. In offering interest rate, interest rate after tax deduction or payment at maturity should be also mentioned. Information on tax favor, protection of bank depositors and bank security should be contained in pamphlets as well. Use of easy terms and notes are recommended for developing pamphlets for financial products.

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인터넷 쇼핑몰의 이용만족과 재구매의도에 관한 연구 (A Study on User Satisfactions and Repurchase Intention in Internet Shopping Malls)

  • 류학수;황대용;이종환;강경하
    • 한국지역사회생활과학회지
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    • 제15권3호
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    • pp.3-14
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    • 2004
  • This study examined how product characteristics and system characteristics have affected user's economic, psychological and operating satisfaction and intention of repurchase in Internet shopping malls. The results of the study were as follows: First, it showed that product characteristics and user satisfaction have significant differences; the ability to recognize economic and psychological user satisfaction differs according to the characteristics of the product. It also showed that the degree of psychological and operating user satisfaction varies according to the convenience of order and payment as well as the convenience of the system and customer service. Second, it was found that economic, psychological and operational user satisfaction had an effect on customer's intention to repurchase. This study, focusing on particular variants of on-line shopping, found that characteristics of product and system had a great impact on user satisfaction and intention to repurchase. For the firms who run internet shopping malls, therefore more attention should be directed to the convenience of products and system problems in their services since it is so easy for customers to move to another shopping site with a simple click. The result of such an investigation may lead customers to repurchase by increasing their satisfaction with the shopping services.

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PCS의 호처리를 이용한 인증서 상태검증 모델 제안 (A Proposal for Certificate Status Validation Using the Call Processing of PCS)

  • 이영숙;원동호;이영교
    • 한국콘텐츠학회논문지
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    • 제5권1호
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    • pp.45-53
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    • 2005
  • 이동통신 사용자들은 PKI를 기반으로 무선 인터넷을 통한 뱅킹, 증권거래, 전자 지불 등의 다양한 서비스를 이용하고 있다. 또한 이동통신 사용자간의 데이터 통신에 대한 필요성도 점차 증가하고 있다. 무선 PKI 환경에서 사용자들은 인증서를 이용하여 사용자 인증, 키 분배, 암 복호화 등을 수행할 수 있으며 그에 따라 이동통신 사용자간의 인증서상태 검증과정도 필요하게 되었다. 이미 개발되어 상용화되어 있는 이동통신용 교환기는 음성 통화를 위주로 설계되었으므로 이를 이용하여 데이터 통신을 하기 위해서는 음성호의 호처리 절차를 이용하여야 한다. 따라서 본 연구에서는 무선 PKI 환경을 이용한 이동통신 사용자간의 데이터 통신에 필요한 인증서상태 검증작업을 호처리 과정 내에서 효율적으로 처리할 수 있는 모델을 PCS(Personal Communication System)를 중심으로 제안하고자 한다.

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일 대학 병원의 가정간호시범사업 서비스 내용 및 만족도에 대한 조사연구 (A study on Hospital based Home Health Care Service and the Level of Client Satisfaction)

  • 김정남;권영숙;고효정;김명애;박청자;신영희;이병숙;이경희;서향숙
    • 한국보건간호학회지
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    • 제14권2호
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    • pp.246-259
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    • 2000
  • The purpose of this study was to assess the provided home health care services and to evaluate the patient's satisfaction level of received home health care services. Well trained two home health care nurses interviewed with 138 respondents who received home health care by Keimyung University Hospital from January 1st to August 31st 1999. The results were summarized as follows : 1) Among 138 respondents, $55.8\%$ were mail and $44.2\%$ were female and $70.3\%$ of them were over sixty years old. Respondents main family care givers were spouse$(53.6\%)$, daughters and sons$(36.2\%)$ and parents$(7.2\%)$. 2) $60.2\%$ of cancer patients received home health care services, $23.3\%$ of cerebral­cardiovascular patients, $7.5\%$ of endocrine disorder patients, $2.3\%$ of those who have indwelling foley catheter patients, $1.5\%$ of those who have respiratory problems and others$(5.2\%)$. 3) $88.1\%$ of respondents were satisfied with the number of home visits they received. $50.5\%$ of respondents' were received 1 to 3 times of home visits by home health care nurse per month. $48.6\%$ of respondents answered they were introduced by attending doctors or nurses to home health care services. $55.8\%$ of respondents answered registration to home health care services was simple and easy. $97.4\%$ of respondents answered home health care payment system was adequate. $64.9\%$ of respondents answered the cost of home health care per visit was adequate and comfortable. 4) Health education, counselling, physical assessment was provided to most of the patients. Those who suffered with cerebral-cardiovascular disease was needed hands on direct care most of all. The least home health care service provided was medication. 5) The satisfaction measurement tool was composed with 13 items and 3 score scale. The mean score of satisfaction on provided home health care services was 2.67 out of 3. Among 13 items. 'home health care service was kind enough' was highest(2.84). 'nurse use precise word to understand and communicate'. 'nurse gave home visiting notice ahead of time and kept the home visiting promise on time' was 2.83. 'whenever I need home health care nurse I can give a call and meet the nurse' was lowest 2.41. Special Home Health care programs such as comprehensive hospice care programs for elders over sixty years old should be organized. Adequate and standardized home health care payment system should be developed as soon as possible. In korean family situation. when family members are getting sick and stay at home. family members were taking care of the patients. special program such as counselling family members are needed.

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인터넷 뱅킹에서 오프라인 신뢰와 온라인 거래의 관계 (The Relationship between Offline Trust and Online Transaction in Internet Banking)

  • 이웅규
    • Asia pacific journal of information systems
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    • 제17권2호
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    • pp.29-47
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    • 2007
  • Owing to the rapid growth of using the Internet, not only click-and-mortar companies but also brick-and-mortar ones have been expanding their distribution channels into online, Moreover, since online channels are more attractive than offline ones in control and maintenance, switching customers into online ones is emerged as one of very important managerial issues in a view of reduction of cost as well as expansion of services. However, the switched customers should be faced by uncertainties which could not have been experienced in offline. Specifically, in online channels, buyers and sellers are separated temporally and spacially and there are always so many kinds of threat for security as well as not enough systems and conventions for them yet. Therefore, trust has been considered as one of the most critical mechanisms for resolution of such uncertainties in online transactions. However, it is not easy to build and maintain the relationships in online since most of them are virtual and indirect generally. Therefore, in order to switch offline customers into online ones, it is very important to make strategies based on identification of the relationship between online transaction and offline trust which has been built in offline business. Generally offline trust, which has been built independent of online, could not include trust for online-dependent activities such as payment security during or after transactions, while most of online trust include it. Therefore, a customer with high offline trust does not always perceive high security and assure safe transactions. Accordingly, while online trust, where technical capabilities for online security is one of main bases, includes control trust implicitly or explicitly, offline trust does not. However. in spite of such clear discrimination and independence between offline trust and perceived security, there can be the significant dependency between these two beliefs. The customers with high offline trust believe that the company would do some activities for online security for customers' safe transactions since it has been believed of doing well for customers' trust. Theoretically, users' perception of security is interpreted as a kind of control trus, which is trust for company's technical control capacities in order to resolve technical uncertainties in online. Therefore, the relationship between two beliefs can be considered as transference from offline trust to another type trust. that is, control trust. The objective of this study is to analyze the effect of offline trust on online transaction uses mediated by perceived security. For this purpose, we suggest a research model based on technology acceptance model (TAM). Reuse intention is adopted as a dependent variable and TAM is modified by adding perceived risk (PR) as well as two beliefs of using Internet banking, perceived usefulness (PU) and perceived ease of use (PEOU). Moreover, perceive security (PS) is adopted as an external variable for PR and PU, while offline trust (OT) is an antecedent of PS. For an empirical test, sampling from 108 visitors to the banks in Daegu, Korea, we analyze our model by partial least square (PLS) approach. In result, our model is shown to explain 51.4% of the variance in reuse intention and all hypothesis are supported statistically. A theoretical implication of this study is to identify a role of PS between offline trust and reuse intention of using online transaction services. According to our result, PS can be considered as a mediation variable for bridging between two different concepts: trust that explains social aspects of customers and companies, and TAM that explains customers' reuse intention.

한국농촌보건(韓國農村保健)의 문제점(問題點)과 개선방안(改善方案) (Innovative approaches to the health problems of rural Korea)

  • 노인규
    • 농촌의학ㆍ지역보건
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    • 제1권1호
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    • pp.5-9
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    • 1976
  • The categories of national health problems may be mainly divided into health promotion, problems of diseases, and population-economic problems which are indirectly related to health. Of them, the problems of diseases will be exclusively dealt with this speech. Rurality and Disease Problems There are many differences between rural and urban areas. In general, indicators of rurality are small size of towns, dispersion of the population, remoteness from urban centers, inadequacy of public transportation, poor communication, inadequate sanitation, poor housing, poverty, little education lack of health personnels and facilities, and in-accessibility to health services. The influence of such conditions creates, directly or indirectly, many problems of diseases in the rural areas. Those art the occurrence of preventable diseases, deterioration and prolongation of illness due to loss of chance to get early treatment, decreased or prolonged labour force loss, unnecessary death, doubling of medical cost, and economic loss. Some Considerations of Innovative Approach The followings art some considerations of innovative approaches to the problems of diseases in the rural Korea. 1. It would be essential goal of the innovative approaches that the damage and economic loss due to diseases will be maintained to minimum level by minimizing the absolute amount of the diseases, and by moderating the fee for medical cares. The goal of the minimization of the disease amount may be achieved by preventive services and early treatment, and the goal of moderating the medical fee may be achieved by lowering the prime cost and by adjusting the medical fees to reasonable level. 2. Community health service or community medicine will be adopted as a innovative means to disease problems. In this case, a community is defined as an unit area where supply and utilization of primary service activities can be accomplished within a day. The essential nature o the community health service should be such activities as health promotion, preventive measures, medical care, and rehabilitation performing efficiently through the organized efforts of the residents in a community. Each service activity should cover all members of the residents in a community in its plan and performance. The cooperation of the community peoples in one of the essential elements for success of the service program, The motivations of their cooperative mood may be activated through several ways: when the participation of the residents in service program of especially the direct participation of organized cooperation of the area leaders art achieved through a means of health education: when the residents get actual experience of having received the benefit of good quality services; and when the health personnels being armed with an idealism that they art working in the areas to help health problems of the residents, maintain good human relationships with them. For the success of a community health service program, a personnel who is in charge of leadership and has an able, a sincere and a steady characters seems to be required in a community. The government should lead and support the community health service programs of the nation under the basis of results appeared in the demonstrative programs so as to be carried out the programs efficiently. Moss of the health problems may be treated properly in the community levels through suitable community health service programs but there might be some problems which art beyond their abilities to be dealt with. To solve such problems each community health service program should be under the referral systems which are connected with health centers, hospitals, and so forth. 3. An approach should be intensively groped to have a physician in each community. The shortage of physicians in rural areas is world-wide problem and so is the Korean situation. In the past the government has initiated a system of area-limited physician, coercion, and a small scale of scholarship program with unsatisfactory results. But there might be ways of achieving the goal by intervice, broadened, and continuous approaches. There will be several ways of approach to motivate the physicians to be settled in a rural community. They are, for examples, to expos the students to the community health service programs during training, to be run community health service programs by every health or medical schools and other main medical facilities, communication activities and advertisement, desire of community peoples to invite a physician, scholarship program, payment of satisfactory level, fulfilment of military obligation in case of a future draft, economic growth and development of rural communities, sufficiency of health and medical facilities, provision of proper medical care system, coercion, and so forth. And, hopefully, more useful reference data on the motivations may be available when a survey be conducted to the physicians who are presently engaging in the rural community levels. 4. In communities where the availability of a physician is difficult, a trial to use physician extenders, under certain conditions, may be considered. The reason is that it would be beneficial for the health of the residents to give them the remedies of primary medical care through the extenders rather than to leave their medical problems out of management. The followings are the conditions to be considered when the physician extenders are used: their positions will be prescribed as a temporary one instead of permanent one so as to allow easy replacement of the position with a physician applicant; the extender will be under periodic direction and supervision of a physician, and also referral channel will be provided: legal constraints will be placed upon the extenders primary care practice, and the physician extenders will used only under the public medical care system. 5. For the balanced health care delivery, a greater investment to the rural areas is needed to compensate weak points of a rurality. The characteristics of a rurality has been already mentioned. The objective of balanced service for rural communities to level up that of urban areas will be hard to achieve without greater efforts and supports. For example, rural communities need mobile powers more than urban areas, communication network is extremely necessary at health delivery facilities in rural areas as well as the need of urban areas, health and medical facilities in rural areas should be provided more substantially than those of urban areas to minimize, in a sense, the amount of patient consultation and request of laboratory specimens through referral system of which procedures are more troublesome in rural areas, and more intensive control measures against communicable diseases are needed in rural areas where greater numbers of cases are occurred under the poor sanitary conditions.

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