• 한국정보기술응용학회:학술대회논문집
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• 한국정보기술응용학회 2002년도 추계공동학술대회 정보환경 변화에 따른 신정보기술 패러다임
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• pp.136-160
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• 2002

금융 기관의 통합 플랫폼 도입에 있어서 가장 중요하게 고려해야 될 요소는 웹과 금융 서비스의 연계를 통한 신규 서비스 및 시너지 효과의 창출 가능성이다. 그리고 그 실행요소로서 금융 정보서비스 통합 플랫폼 구축 및 콤포넌트 환경 구현의 가능성 여부이다. 이를 통한 e-business형 새로운 개발과 중복개발의 방지여부도 중요한 플랫폼의 구축 필요성이 된다. 플랫폼 도입을 위하여는, 금융 기관의 통합 플랫폼 및 EAI(Enterprise Application Interface)를 통하여 효율적인 금융 서비스의 구축이 가능한가를 살펴보았다. 그리고 고객과의 접점으로서 중요한 역할을 하는 인터넷이 물류 처리의 임의의 장소나 이동상황에서도 금융 업무처리에 플랫폼과 통합이 가능한가를 또한 이 플랫폼이 금융 업무 전반에 적용 가능하며, 정보 시스템 구축의 근간이 될 수 있는지를 웹 서비스통합화, 어플리케이션 통합화 그리고 금융정보 표준화를 통해 살펴보았다. 본 논문에서는 금융기관 통합 플랫폼에 벤치마킹이 되는 21세기 선진 플랫폼을 살펴보고, 우리나라 금융 플랫폼의 현황을 살펴본 뒤, 상용 통합 금융 플랫폼의 적용방안과 그 표준에 대하여도 살펴보았다.

• Communications for Statistical Applications and Methods
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• 제30권1호
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• pp.75-94
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• 2023

The growing trend of cyber risk has put forward the importance of cyber risk management. Cyber risk is defined as an accidental or intentional risk related to information and technology assets. Although cyber risk is a subset of operational risk, it is reported to be handled differently from operational risk due to its different features of the loss distribution. In this study, we aim to detect the characteristics of cyber loss and find a suitable model by measuring value at risk (VaR). We use the loss distribution approach (LDA) and the time series model to describe cyber losses of financial and non-financial business sectors, provided in SAS^® OpRisk Global Data. Peaks over threshold (POT) method is also incorporated to improve the risk measurement. For the financial sector, the LDA and GARCH model with POT perform better than those without POT, respectively. The same result is obtained for the non-financial sector, although the differences are not significant. We also build a two-dimensional model reflecting the dependence structure between financial and non-financial sectors through a bivariate copula and check the model adequacy through VaR.

• 한국정보통신학회논문지
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• 제14권6호
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• pp.1359-1364
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• 2010

국제회계기준(IFRS)에서 기업은 전통적인 회계처리시스템으로는 스스로의 회계 규칙을 효율적으로 관리하고 처리의 적절성을 증명하는데 어려움을 안고 있다. BRMS(Business Rule Management System)는 회계 원칙과 상황에 따라 이러한 회계처리 규칙들을 관리하고 처리하고 모니터할 수 있는 방법을 제공한다. 본 논문에서는 회계원칙과 자율적인 회계규칙을 처리할 수 있는 BRMS 기반의 회계프로그래밍 프레임워크를 제안한다.

• Journal of Information Processing Systems
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• 제7권4호
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• pp.561-580
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• 2011

This paper describes different aspects of a typical RFID implementation. Section 1 provides a brief overview of the concept of Automatic Identification and compares the use of different technologies while Section 2 describes the basic components of a typical RFID system. Section 3 and Section 4 deal with the detailed specifications of RFID transponders and RFID interrogators respectively. Section 5 highlights different RFID standards and protocols and Section 6 enumerates the wide variety of applications where RFID systems are known to have made a positive improvement. Section 7 deals with privacy issues concerning the use of RFIDs and Section 8 describes common RFID system vulnerabilities. Section 9 covers a variety of RFID security issues, followed by a detailed listing of countermeasures and precautions in Section 10.

• Journal of Information Technology Applications and Management
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• 제10권4호
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• pp.119-133
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• 2003

맞춤형 금융상품 설계시스템(Financial Product Factory System)이란 온라인으로 접근하는 고객의 요구사항을 고려하여 고객에게 가장 적합한 금융상품을 실시간으로 설계하여 제공하는 시스템이다. 최근 들어 인터넷 뱅킹 고객의 수가 급증함에 따라 맞춤형 금융상품 설계시스템의 필요성이 대두되고 있으나, 이러한 시스템의 정의나 성격, 필요 기능, 구축 방안에 대한 연구가 되어 있지 않은 실정이다. 본 연구에서는 맞춤형 금융상품 설계시스템의 정의를 내리고, 이 시스템이 갖추어야 할 요구사항을 시스템과 서비스 측면에서 분석한 후, 이 요구사항을 반영하는 시스템의 아키텍처를 제안ㆍ구현한다

• Journal of Information Technology Applications and Management
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• 제13권1호
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• pp.149-166
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• 2006

During the past several years, a number of attempts have been made to develop computer applications for the farm business. However, none of them truned out properly applicable to small farms occupying more than 90% of the total agri-business in number as they failed to take it into consideration that small farm, typically a private busines is quite different by nature from the large-scaled farm corporate. Small-sized farming is usually done on the houshold basis, and thus there is no distinction between the household and the business economy. In addition, small farm managers are mostly lacking knowledge or skills of both computers and accounting. This study, therefore, aims at the design and implementation of the financial management and accountign information system for small farms, with an attempt to relax constraints and resolve pitfalls revealed in previously developed applications. The following principles were introduced for the study : 1) The user-system interfaces have to be managed in the natural language as much as possible, so that the users can operate the system without any professional terms. 2) Household accounting has to be seperarte by some means from the business accounting, so that small farm businesses can manage their finance and accounting as necessary. 3) The system has to be designed so as not only for the users to manage transactional data but to analyse historical data in multiple dimensions for their decision-makings. The results from this study would perhaps help not only for the farmers but for the educators, policy makers, and counselors for the farming.

• 정보보호학회논문지
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• 제27권4호
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• pp.885-895
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• 2017

급변하는 IT환경만큼 다양한 형태의 외부 침입에 의한 보안이슈가 발생하고 있다. 웹 어플리케이션에 대한 취약점을 이용한 공격은 갈수록 늘어나고 있고, 각 기업은 취약점 발생의 원인을 찾아서 조치하여 외부 침입을 막고 자사의 시스템 및 주요 정보를 보호하기 위해 노력하고 있다. 특별히 감독규정에 의하여 각 금융기관 및 전자금융업자는 6개월에 한번 씩 공개용 홈페이지에 대한 취약점 분석평가를 실시하고 그 결과를 금융위원회에 보고하도록 되어있다. 본 연구에서는 감독규정에서 정의하는 웹 취약점 항목을 기준으로 실제 금융기관의 점검 사례를 바탕으로 발생빈도가 높은 항목을 분석하고 이에 대한 효율적인 대처방안과 발생을 미리 예방할 수 있는 방안을 제시하고자 한다.

• Journal of Information Technology Applications and Management
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• 제30권5호
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• pp.83-105
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• 2023

The purpose of this study was to investigate the impact of investment fund attributes such as fund product characteristics, returns on fund investment (ROI), internal controls, and after service on fund investor behavior based on investment information technology. In addition, we also examined how customers reinvest through emotional immersion, company trust and company satisfaction of investment firms in the context of fund investment. First, empirical results show that fund product characteristics, returns on fund investment, and financial firms' internal controls and after service act as signals to fund investors to shape their reinvestment intentions. Second, while investors are generally perceived to be interested only in investment returns, this study also shows that they consider both fund product characteristics and fund investment returns, which are core attributes of funds, as well as financial firms' internal control and after service, which are non-core attributes. Third, we find that company trust is an important factor in investors' reinvestment intentions, showing that investors are more likely to reinvest in a fund if they perceive the financial firm to be trustworthy and reliable. Finally, these findings emphasize that investors consider not only tangible aspects of fund products, such as fund product characteristics and returns on fund investment, but also intangible factors, such as financial firms' internal control and after service, and trustworthiness. Taken together, another implication is that the more advanced the investment information technology of financial firms, the more trust, satisfaction, immersion, and reinvestment intentions of investors will increase.

• Journal of Information Technology Applications and Management
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• 제21권4_spc호
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• pp.485-499
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• 2014

Sharing Economy is the modern main item with ICT Development. Of course sharing economic item is the old and long run mainstream, but by the ICT technological development sharing economy is the fostering and affluent factors in the world economic growth. Though, in Korea, till now sharing economy is minimal, that will growth sharply. We can track various business models of sharing economy. Sharing economy is to buy use right not ownership. With the sharing economic business model wee can make also financial sharing model. In finance model we can divide two kind models. First, we can trace small size lending model with p2p type. And second, we can make financial information transaction model. But till now sharing economic system is not activated, because of many reasons. To activate, first we have to set law and various standards, and also government actively support many sharing economy firms and institutions. To catch up developed countries in the field of sharing economy we have to make aggressive and flexible rules and standards.

• Journal of Information Technology Applications and Management
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• 제12권1호
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• pp.191-211
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• 2005

This study investigates the decision criteria used in the context of IT investment decision making and empirically analyzes the impact of IT project size and types on the importance of decision criteria. 5 criteria which have been extracted from the previous studies and industry practices are budget, financial benefits. strategic value. risk, and the degree of proposer's eagerness. Data of 120 IT project proposals have been collected from 5 companies including bank, insurance. and stock trading company. As results of ANOVA test. 7 out of 10 hypothesis have been accepted statistically. That is. the bigger the project size. the higher the evaluation weight of project budget and risk criteria and the lower the weight of proposer's eagerness. And in case of the infrastructure investment type. the emphasis is placed more on strategic value and risk criteria and less on financial benefit and proposer's eagerness. These findings provide insights for both IT practitioners and researchers.