• 정보보호학회논문지
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• 제28권6호
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• pp.1475-1487
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• 2018

금융 회사 전자금융 거래 시 송금인이 수취인에게 자금을 이체할 경우 송금인은 출금 계좌 번호와 출금 금액 그리고 금융 회사에 사전 등록한 비밀번호 또는 금융 회사가 사전에 배부한 인증 매체에서 제공하는 정보 등 이용자 인증 정보를 입력하여 계좌 이체를 수행한다. 그러나, 현재 이러한 금융 회사와 송금인간 발생하는 이용자 인증 중심의 단방향 거래는 착오 송금 또는 보이스피싱 사기 거래 등 사고 위험에 노출되어 있다. 따라서, 본 연구에서는 송금인과 금융회사 이외 수취인과도 자금 이체 거래 시 거래 내용을 공유하여 수취인이 확인 후 응답하면 이체가 성립될 수 있도록 상호합의가 가능한 온라인 전자금융 2-WAY 거래인증 모델을 제안한다 기존 단방향 전자금융 거래 이체 방법을 양방향 거래 방법으로 개선하여 착오 송금, 보이스피싱 사기 예방 이외 대여금 거래, 계약 거래 등 다양한 용도로 활용하여 금융 회사 계좌이체 거래 이용자의 불편 감소 및 편리성 강화와 금융 회사의 P2P거래 활성화 등의 기대효과를 창출하고자 한다.

• 한국산학기술학회논문지
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• 제13권2호
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• pp.747-754
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• 2012

이 연구의 목적은 질병관리본부의 퇴원손상환자조사 자료를 이용하여 경제적 수준이 낮은 지역이 그렇지 않은 지역에 비해 다른 운수사고 양상을 보이는지를 규명하는 것이었다. 지역의 경제적 수준은 재정자립도를 지표로 삼아 5개로 구분하였다. 이 연구의 주요 결과는 다음과 같다. 첫째, 운수사고는 25-44세 그룹까지 증가하다가 그 이후에는 감소하는 양상을 보였다. 둘째, 운수사고의 유형은 승용차의 빈도가 가장 높았고 길 또는 간선도로에서 가장 많은 사고가 발생하였다. 셋째, 지역에 따라 운수사고 유형에 차이가 있었다. 넷째, 응급 입원율은 지역에 따라 차이를 보였으나, 소득수준에 따른 차이는 없었다. 마지막으로 소득수준이 낮은 지역은 골절, 자상, 개방성 상처와 같이 심각한 손상이 주로 발생하고 소득수준이 높은 지역은 염좌, 긴장, 탈구와 같이 상대적으로 덜 심각한 손상이 주로 발생하는 등 손상 양상의 지역간 차이가 발생하고 있었으며 이러한 지역간 차이는 통계적으로 유의하였다(p<0.05). 따라서, 지역간 소득 수준에 따라 운수사고 양상이 차이가 발생하고 있으므로 정부 및 지방자치단체는 이를 고려한 차별화된 운수사고 예방전략을 수립해야 할 것이다.

• Child Health Nursing Research
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• 제8권4호
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• pp.435-448
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• 2002

Accidents are important causes of death and disability in children. They also have enormous financial implications. Young children become an victim of accidents easily because of their physical fragileness and their coping behavior being vulnerable to any actions taken by accidents. Once they have a accident, the children whose not fully developed, suffer from devastating long-term after-effects. Lee, Lee, Kang and Han(1995) reported that ninety percent of accidents can be prevented. But there is no national system to manage, evaluate and analyse the information about child accidents, even though it is necessary for accident prevention policies and health promotion of the general public. The purpose of the study was to determine how often children have accidents and define the accident prevention strategies in children. The investigator conducted a descriptive study by performing the surveys, interviews, and workshops for the 2,458 young children, 10 teachers, and 1,494 parents. The data collection for the study began on September 2000 and completed on April 20, 2001. The analysis of the data was done with Window SPSS 10.0 for descriptive statistics. Among those children, 1,298 children(52.8％) injured from accidents. The children who had accident answered that they injured from traffic accident(27.3％), inside the home(26.3％), on the playground(17.0％), during playtime(13.6％), in the school(5.9％) and food poisoning(7.1％). To define accident prevention strategies for the school children, the parents and the teachers who had a special interest in this topic formed a special task force under the guidance of the investigator. The team was charged to prepare the basis of content materials by identifying the problems, setting standards for the program, prioritizing the process, and selecting the methods of implementation and evaluation. Eight issues and concerns identified by the team were: 1)allowing young children to learn undesirable habits and behaviors that would bother others without knowing; 2) not guarding young children from car accident; 3)unattended accident at playground; 4) considering home places safe; 5)unattended accident at school. These issues were found to be coinciding with the actual child accident cases occurred recent years in Korea. Greater efforts are required to reduce unnecessary deaths and disability from childhood accidents. This study gave a very useful and important data to prepare accident prevention educational program and to prepare accident prevention strategies.

• Asia pacific journal of information systems
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• 제22권1호
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• pp.53-77
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• 2012

Financial firms, especially large scaled firms such as KB bank, NH bank, Samsung Card, Hana SK Card, Hyundai Capital, Shinhan Card, etc. should be securely dealing with the personal financial information. Indeed, people have tended to believe that those big financial companies are relatively safer in terms of information security than typical small and medium sized firms in other industries. However, the recent incidents of personal information privacy invasion showed that this may not be true. Financial firms have increased the investment of information protection and security, and they are trying to prevent the information privacy invasion accidents by doing all the necessary efforts. This paper studies how effectively a financial firm will be able to avoid personal financial information privacy invasion that may be deliberately caused by internal staffs. Although there are several literatures relating to information security, to our knowledge, this is the first study to focus on the behavior of internal staffs. The big financial firms are doing variety of information security activities to protect personal information. This study is to confirm what types of such activities actually work well. The primary research model of this paper is based on Theory of Planned Behavior (TPB) that describes the rational choice of human behavior. Also, a variety of activities to protect the personal information of financial firms, especially credit card companies with the most customer information, were modeled by the four-step process Security Action Cycle (SAC) that Straub and Welke (1998) claimed. Through this proposed conceptual research model, we study whether information security activities of each step could suppress personal information abuse. Also, by measuring the morality of internal staffs, we checked whether the act of information privacy invasion caused by internal staff is in fact a serious criminal behavior or just a kind of unethical behavior. In addition, we also checked whether there was the cognition difference of the moral level between internal staffs and the customers. Research subjects were customer call center operators in one of the big credit card company. We have used multiple regression analysis. Our results showed that the punishment of the remedy activities, among the firm's information security activities, had the most obvious effects of preventing the information abuse (or privacy invasion) by internal staff. Somewhat effective tools were the prevention activities that limited the physical accessibility of non-authorities to the system of customers' personal information database. Some examples of the prevention activities are to make the procedure of access rights complex and to enhance security instrument. We also found that 'the unnecessary information searches out of work' as the behavior of information abuse occurred frequently by internal staffs. They perceived these behaviors somewhat minor criminal or just unethical action rather than a serious criminal behavior. Also, there existed the big cognition difference of the moral level between internal staffs and the public (customers). Based on the findings of our research, we should expect that this paper help practically to prevent privacy invasion and to protect personal information properly by raising the effectiveness of information security activities of finance firms. Also, we expect that our suggestions can be utilized to effectively improve personnel management and to cope with internal security threats in the overall information security management system.

• 정보처리학회논문지C
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• 제18C권2호
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• pp.71-78
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• 2011

현금자동입출금기/현금지급기에서 비밀번호를 입력할 때 신용카드나 통장의 비밀번호가 노출되어 자신도 모르게 현금이 인출되는 금융사고가 빈번하게 발생하고 있으므로 비밀번호를 입력하는 과정에서 각별한 주의가 요청되고 있다. 본 논문은 현금자동입출금기/현금지급기를 사용할 때 어깨너머로 비밀번호를 훔쳐보는 것을 방지하기 위하여 비밀번호를 안전하게 입력하는 방법을 제안하였다. 제안한 방법은 사용자가 비밀번호를 입력하는 과정을 옆이나 뒤에서 훔쳐봐도 무엇을 입력하였는지를 알 수 없도록 숫자들이 무작위 순으로 표시되었다가 사라진 상태에서 비밀번호를 입력함으로써 비밀번호 훔쳐보기를 원천적으로 차단하여 비밀번호가 유출되는 것을 방지할 수 있다. 비밀번호를 안전하게 입력하는 방법은 훔쳐보기 시험, 직관적인 관점 및 이론적인 분석으로 구분하여 안전성을 검증하였다. 또한, 현금자동입출금기/현금지급기에서 적용할 수 있도록 구현한 결과는 비밀번호 훔쳐보기 공격으로부터 비밀번호 획득 확률이 기존 방법보다 현저하게 낮은 것으로 평가되어 비밀번호가 유출되는 것을 방지할 수 있다.

• 한국재난정보학회 논문집
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• 제17권2호
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• pp.375-390
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• 2021

연구목적: 사이버보안 침해사고의 대부분은 중소기업에서 발생하고 있는데, 기존 사이버보안 프레임워크(Framework)와 인증체계 등은 주로 금융권이나 대기업에 초점이 맞추어져 있어 정보보안 예산과 인력이 부족한 중소기업이 활용하기에는 어려움이 많아 중소기업이 자율적으로 사이버위험관리를 할 수 있는 방안을 마련할 필요가 있다. 연구방법: 사이버보안 시장, 금융기관 사이버보안 항목, 사이버보안 프레임워크 비교, 언론에 보도된 사이버보안사고 등을 통해 사이버보안에 중요한 항목을 도출하고 이를 AHP 분석을 통하여 그 중요도를 분석하고, 손해보험사의 사이버보안 항목을 조사·비교 하였다. 연구결과: 주요한 사이버사고 원인 20가지에 대한 중소기업의 사이버위험관리 방안을 제시하였다. 결론: 본 연구에서 도출된 국내 중소기업의 사이버보안 위험평가방안이 향후 중소기업이 사이버보험 가입 시 그 기업의 위험평가에 도움이 되길 바라고 사이버 위험평가도 ERM 규격화의 한 부분에 포함되기를 희망해 본다.

• 융합정보논문지
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• 제9권12호
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• pp.54-61
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• 2019

최근 들어 IITS는 스마트 시티관련 산업계에서 중요한 주제로 떠오르고 있다. IITS의 주요 목적인 교통체증 (차량 사고에 기인한) 예방책들이 발전된 센서 및 통신 기술의 도움을 받아 다양하게 시도되었다. 관련 연구들에서는 자동차 사고와 사고 위치적 특성, 날씨, 운전자 행동, 시간 등 다양한 요인들과 상관 관계가 있음을 보여주고 있다. 우리 연구는 자동차 사고와 사고 발생 시간 사이의 상관관계에 주제를 집중했다. 본 논문에서는 ARIMA (Auto-Regressive Integrated Moving Average) 자동 회귀, 정상 및 지연 순서를 결정하는 세 가지 요소를 확인하기 위해 ADF (Augmented Dickey-Fuller)를 포함한 ARIMA 테스트를 수행했다. 본 연구 결과로서 시간 별 자동차 충돌 수 예측에 대한 요약을 제시하며, 한국 내 자동차 사고 데이터는 ARIMA 모델에 적용될 수 있음을 보여주었고, 국내 자동차 사고는 하루를 기준으로 일정한 주기가 존재하는 성격을 가지고 있다는 것을 제시했다.

• 정보보호학회논문지
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• 제28권4호
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• pp.889-903
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• 2018

4차 산업혁명의 흐름과 IT자원의 효율적 사용이라는 요구가 맞물려 세계적으로 클라우드 컴퓨팅이 활성화 되고 있으며 국내도 관련 법 제정 및 각종 법안 등에 힘입어 그 사용이 증가하고 있다. 하지만 국내 금융회사는 보유정보의 중요도와 유출 등 사고 발생 시 파급효과로 인해 각종 규제를 받고 있어 상대적으로 활성화 되기 어려운 상황이다. 특히 중요하지 않은 정보를 취급하는 비중요 정보처리 시스템만 클라우드 컴퓨팅 사용이 가능하도록 하고 있는데 이를 구분하는 구체적 기준과 판단을 금융회사가 정하도록 하고 있다. 본 논문에서는 모호한 비중요 정보처리시스템 지정 기준을 구체화 하고 그 지정을 간편하게 할 수 있도록 하여 금융회사 클라우드 컴퓨팅을 보다 활성화 할 수 있는 방안을 제안하고자 한다.

• 대한간호학회지
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• 제29권1호
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• pp.117-126
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• 1999

Accidents involving children are an important cause of death and disability. They also have enomorous financial implications. In order to prevent childhood accidents, research and education for safety should be strengthened. The purpose of this study was to determine how often young children have accidents and what factors affect the accident rate. The sample consisted of 771 children who were in the second, third and forth grades of two elementary schools located in Kyung-gi Province. One school had students from middle class families living in apartment complexes and the other, students from lower income families mainly living in single houses. The questionnaires included items on the occurance of accidents and the parents' attitudes regarding accidents during the academic year from March 1997 to February 1998. The Questionnaires were distributed to conventiently selected students to be compeleted by their parents and collected during the period of May 28, to June 6, 1998. The data were analyzed using SAS PC statistical package. The results of the study are as follows ; 1. Of 771 student subjects, 393 had 887 accidental injuries during the study period. 2. The month, the day and the time with the highest accident rate were May, Sunday, and between 1 and 4 p. m. each. 3. In the analysis of the location where the injury took place, the most frequent place was on around their homes followed by school and, then, inside the home 4. Most of the accidents were caused by carelessness on the part of the children and the most frequent type of injury was an abrasion. 5. Children most injured their legs 6. They were treated at home most often and usually emergency treatment was performed by family members with, disinfection being the main type of first aid. Cost of the treatment ranged from 8,000 to 20,000 won in most cases. 7. House type and parents' education level were statistically significant in chi-square analysis. 8. Parents educate their children about traffic safety most frequently followed by fire safety and, then, prevention of violence. 9. Parents think that prevention of violence should be the most important part of injury prevention education both at school and home. 10. To identify factors related to accident occurrence, multiple logistic regression was performed and the main factors were birth order and house type.

• 지역사회간호학회지
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• 제12권3호
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• pp.815-827
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• 2001

Accidents involving students are an important cause of death and disability. They also have enormous financial implications. In order to prevent childhood accidents. research and education for safety should be strengthened. The purpose of this study was to determine how often lower grade elementary students have accidents and what factors affect the accident rate. The study population consisted of 676 students who were in the 2nd, 3rd and 4th grades of twelve elementary schools located in Kun Wi Gun. The questionnaires were distributed to all of the 2nd to 4th grade student in the Kun Wi Gun to be completed by their parents about all the accidents which happened last one year and collected during the period of March 19, to March 30, 2001. The data were analyzed by using SPSS WIN 10.0 statistical package. The results of the study are as follow: 1. Among 676 students. 270 students had 540 accidental injuries during the study period. 2. The month, the day and the time with the highest accident rate were April. Monday. and between 1 and 4 p. m. each. 3. In the analysis of the location where the injury took place, the most frequent place was on school, around their homes and. then inside the home. 4. Most of accidents were caused by carelessness on the part of the students and the most frequent type of injury was an abrasion. 5. Students most injured part of the body was their legs. 6. They were treated at home most often and usually emergency treatment was performed by family members with disinfectant as first aid measure. Cost of the treatment of the accident ranged from 10.000 to 30,000 won in most cases. 7. Students' personality. type of family composition. mother's age and parents' education level were statistically significant. As a conclusion. 1st to 3rd grade rural elementary students need their assessment for accident involving condition. This study gave a very useful and important data to prepare accident prevention teaching program and to prepare accident prevention strategies.