• Journal of the Korea Society of Computer and Information
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• v.26 no.1
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• pp.259-264
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• 2021

SNS has recently reached the level of providing financial services to customers through a mobile payment system that goes beyond the existing payment system using Fintech, which is a fusion of financial industry and information technology. These mobile payment systems are increasing in scale as time goes by, and their functions are reaching the same level as general financial services. This study is an empirical study to examine what is the most important factor in Internet banking by targeting users who use WeChat Pay among Chinese Internet bank users with the highest Fintech Adoption rate. SNS has recently reached the level of providing financial services to customers through a mobile payment system that goes beyond the existing payment system using Fintech, which is a fusion of financial industry and information technology. As a results, 2 factors positive influence on Acceptance intention and Customer satisfaction. These mobile payment systems are increasing in scale as time goes by, and their functions are reaching the same level as general financial services.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.3 no.4
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• pp.715-722
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• 1999

This paper was studied on developmental direction of Telecommunications system for aged welfare policy. The results of this study is as follow: An economic needs must development of home shopping system, home banking system and telecommuting system. A medical needs must development of medical support system, medical information system and telemedical support system. A house needs must development of home automatic system, internet system. A culture needs must development of event system, leisure information system. A traffic needs must development of automatic traffic geographical system, automatic operating system. An education needs must development of teleeducation system, knowledge studying support system.

• International Journal of Computer Science & Network Security
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• v.21 no.6
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• pp.312-318
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• 2021

Lack of knowledge and digital skills is a threat to the information security of the state and society, so the formation and development of organizational culture of information security is extremely important to manage this threat. The purpose of the article is to assess the state of information security of the state and society. The research methodology is based on a quantitative statistical analysis of the information security culture according to the EU-27 2019. The theoretical basis of the study is the theory of defense motivation (PMT), which involves predicting the individual negative consequences of certain events and the desire to minimize them, which determines the motive for protection. The results show the passive behavior of EU citizens in ensuring information security, which is confirmed by the low level of participation in trainings for the development of digital skills and mastery of basic or above basic overall digital skills 56% of the EU population with a deviation of 16%. High risks to information security in the context of damage to information assets, including software and databases, have been identified. Passive behavior of the population also involves the use of standard identification procedures when using the Internet (login, password, SMS). At the same time, 69% of EU citizens are aware of methods of tracking Internet activity and access control capabilities (denial of permission to use personal data, access to geographical location, profile or content on social networking sites or shared online storage, site security checks). Phishing and illegal acquisition of personal data are the biggest threats to EU citizens. It have been identified problems related to information security: restrictions on the purchase of products, Internet banking, provision of personal information, communication, etc. The practical value of this research is the possibility of applying the results in the development of programs of education, training and public awareness of security issues.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.15 no.11
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• pp.4163-4183
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• 2021

As measures for protecting users and ensuring security of electronic financial transactions, such as online banking, financial institutions in South Korea have implemented network segregation policies. However, a revision of such domain-centered standardized network segregation policies has been increasingly requested because of: 1) increased demand for remote work due to changes resulting from COVID-19 pandemic; and 2) the difficulty of applying new technologies of fintech companies based on information and communications technologies (ICTs) such as cloud services. Therefore, in this study, problems of the remote work environment arising from the network segregation policy currently applied to the financial sector in South Korea and those from the application of new ICTs such as fintech technology have been investigated. In addition, internal network protection policies of foreign financial sectors, such as those of the United States, United Kingdom, European Union, and Russia, and internal network protection policies of non-financial sectors, such as control systems, have been analyzed. As measures for the effective improvement of the current network segregation policy, we propose a policy change from domain-based to data-centric network segregation. Furthermore, to resolve threats of hacking at remote work, recently emerging as a global problem due to COVID-19 pandemic, a standard model for remote work system development applicable to financial companies and a reinforced terminal security model are presented, and an alternative control method applicable when network segregation is not applied is proposed.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.11 no.9
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• pp.3548-3557
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• 2010

Security enhancement technologies are required to preventing phishing and pharming attacks on Internet banking. One-time password(OTP) should be used with certificate for enhancing user authentication and security performance. However, existing OTP technique is weak on MITM(Man-In-The-Middle) attack and synchnonization should be provided on OTP system. Therefore, more advanced mechanism such as combining biometic data with OTP can be suggested to enhancing security on authentication system. In this paper, we designed and implemented a multifactor authentication system using one-time biometric template to generate unique authentication data after adapting biometric transform on each user's biometric data.

• Proceedings of the Korean Information Science Society Conference
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• 2006.10c
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• pp.438-442
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• 2006

최근 금융산업에서 치열한 시장환경 및 다양한 고객 요구사항에 대응하기 위해 채널 및 IT 아키텍처의 재조명이 이슈화되고 있으며, 이때 인터넷 채널은 인터넷에 익숙한 젊은 고객 층의 증가와 편리성 측면에서 이용도가 높아짐에 따라 웹 개인화를 요구하고 있고 콜센터 채널은 마케팅 및 업무효율측면에서 고객접촉이력 정보의 자산화 추세로 중요성이 제고되고 있다. 하지만, 고객중심의 통합 금융시스템의 구현이라는 측면에서 홈뱅킹시대에서의 각기 양 채널은 개별시스템(individual system)으로 개발 및 운영이 되고 있어 상호 운용이 되지 않는 문제점을 내포하고 있고 이를 해결하고자 한다. 따라서, 본 논문의 공헌도는 양 채널간 상호 운용 가능한 SOA(Service Oriented Architecture)기반의 공통 컴포넌트를 도출하고 효율적 채널 활용을 위한 상호 운용성 아키텍처를 제안하는데 그 의의가 있다.

• The Journal of the Institute of Internet, Broadcasting and Communication
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• v.18 no.5
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• pp.141-146
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• 2018

In this paper, we propose a system for efficient customer management by linking the automatic dispenser and bank server computer to smart phone. The proposed background is as follows. The customer management system used by banks has been used by ordinary users. However, with the development of smartphones, the number of online banking users has increased and the number of bank branches has decreased, so that a long waiting time occurs when a bank is directly used offline. In addition, customer inefficiency time loss causes problems in customer service. In this paper, we propose a queue management system based on the number of customers by using the automatic dispenser that is used offline with the smartphone to improve customer service resulting from such a customer management problem.

• Journal of the Institute of Electronics and Information Engineers
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• v.52 no.11
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• pp.164-168
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• 2015

As Internet use is widespread advertising through the Web, shopping, banking, etc. As the various services offered by the network, the need for Web security is increasing. A security system for the protection of information assets and systems against various types of external hacking threats and unlawful intrusion will require. Intrusion Detection Tool of the paper web will have is to increase the security level, to prevent the loss of resources and labor spent by the individual monitoring of the web. Security intrusion detection system analyzes the cause of the problem of the security vulnerability and exposure of the information on the Web. Using a monitor to determine a fast support of security is to design a security system for the purpose of protecting the information security vulnerability and exposure information.

• Journal of the Institute of Electronics Engineers of Korea CI
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• v.48 no.3
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• pp.91-101
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• 2011

Internet is becoming increasingly popular due to the rapid development of information and communication technology. There has been a convenient social activities such as the mutual exchange of information, e-commerce, internet banking, etc. through cyberspace on a computer. However, by using the convenience of the internet, the personal IDs(identity card, driving license, passport, student ID, etc.) represented by the electronic media are exposed on the internet frequently. Therefore, this study propose a feature extraction method to analyze the characteristics of image files containing personal information and a image retrieval method to find the images using the extracted features. The proposed method selects the feature information from color, texture, and shape of the images, and the images as searched by similarity analysis between feature information. The result which it experiments from the image which it acquires from the web-based image DB and correct image retrieval rate is 89%, the computing time per frame is 0.17 seconds. The proposed method can be efficiently apply a system to search the image files containing personal information and to determine the criteria of exposure of personal information.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.6 no.2
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• pp.207-213
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• 2002

Fingerprint has the characteristics that do not change with time and is unique to an individual. And fingerprint identification is considered the best choice for most biometric applications because of its accuracy, speed, reliability, non-intrusive interfaces and cost-effectiveness. In this paper, we applies fingerprint Identification to web site login to raise the quality of personal identification when we use e-commerce, internet banking, stock dealings, shopping mali, etc. The system implemented in this paper consists of embedded module to carry out fingerprint identification, web server and web site. Existing system carries out fingerprint identification in the web server, but the system Implemented in this paper carries out it in client. Therefore the loads of server are reduced and the confidence of internet service is improved because login is forbidden without fingerprint identification success.