• The Korean Journal of Applied Statistics
• /
• v.19 no.3
• /
• pp.407-419
• /
• 2006

In this paper, we analyze household overdue loans in Korea which has been causing serious social and economical problems. We consider customers of Bank A in Korea and focus on overdue cash services which have been snowballing in the past few years. From analysis of overdue loans, one can predict possible delays for current customers as well as build a credit evaluation and risk management system for future customers. As a statistical analytical tool, we propose a two-stage Generalized Linear regression Model (GLM) which assumes a logistic model for presence/non-presence of overdue and a gamma model for the amount of overdue in the case of overdue. We perform goodness of fit test for the two-stage model and select significant explanatory variables in each stage of the model. It turns out that age, the amount of credit loans from other financial companies, the amount of cash service from other companies, debit balance, the average amount of cash service, and net profit are important explanatory variables relevant to overdue credit card cash service in Korea.

• The Journal of Information Technology
• /
• v.5 no.3
• /
• pp.197-214
• /
• 2002

Electronic Commerce has already existed for over 20 years. The Bolero project initially had the support of TEDIS, and now is jointly financed by SWIFT(Society for World International Financial Telecommunications) which handles most of the electronic funds transfer for banks, and the Through Transport Mutual Assurance Association(the TT Club), a mutual insurance association most of whose members are drawn from the Multimodal transport industry or transport intermediaries. Bolero's mission is to provide guaranteed and secure delivery, in electronic form, of trade documentation, globally, based on a binding legal environment and common procedures, Bolero will also provide a platform for provision of neutral cross-industry services. TradeCard is a payment and settlement system that is an alternative to letters of credit. That is, TradeCard is a business-to-business e-commerce infrastructure that enables buyers and sellers to conduct and settle international trade transactions securely over the Internet. Paperless, payment-guaranteed international trade transactions - which eliminate the traditional letters of credit with electronic certifications - are widely considered the most difficult B2B transactions to conduct.

• The Research Journal of the Costume Culture
• /
• v.17 no.1
• /
• pp.177-188
• /
• 2009

SCM as the important marketing strategy enhance the firm's efficiency and compatibility in global market environment such as global outsourcing. Firms adopted SCM realized the need to evaluate precisely the performance of SCM. In spite of importance of SCM, there was not much intention and research to measure SCM performance in textile fashion industry. Therefore, the purpose of this case study was to measure performance of supply chain management in textile fashion business using BSC(Balanced Score Card) to measure not only financial perspective but also non-financial perspectives such as customer perspective, internal business perspectives, financial perspective, and innovation & learning perspective. The questionnaire developed by the reviews of the literature was adopted for this study. The results of this study showed that SCM performance was enhanced from the point of customer perspective(cost, quality, time, service), financial perspective(cash cycle time, inventory turn over, inventory obsolescence, return on asset, return on investment, capacity utilization), and innovation & learning perspective(cost for human resource management, service for human resources). But there was same performance level regarding internal business perspective(lead time, cost for manufacturing process, product quality control, productive flexibility for time, quantity, and variety). Therefore, we should keep close relationship and two way communication among supply chain members to promote better SCM performance.

• Journal of the Korea Institute of Information Security & Cryptology
• /
• v.25 no.6
• /
• pp.1525-1540
• /
• 2015

Due to a rapid advancement in the electronic commerce technology, the payment method varies from cash to electronic settlement such as credit card, mobile payment and mobile application card. Therefore, financial fraud is increasing notably for a purpose of personal gain. In response, financial companies are building the FDS (Fraud Detection System) to protect consumers from fraudulent transactions. The one of the goals of FDS is identifying the fraudulent transaction with high accuracy by analyzing transaction data and personal information in real-time. Data mining techniques are providing great aid in financial accounting fraud detection, so it have been applied most extensively to provide primary solutions to the problems. In this paper, we try to provide an overview of the research on data mining based fraud detection. Also, we classify researches under few criteria such as data set, data mining algorithm and viewpoint of research.

• Journal of Information Processing Systems
• /
• v.8 no.3
• /
• pp.495-520
• /
• 2012

A secure Electronic Payment System (EPS) is essential for the booming online shopping market. A successful EPS supports the transfer of electronic money and sensitive information with security, accuracy, and integrity between the seller and buyer over the Internet. SET, CyberCash, Paypal, and iKP are the most popular Credit Card-Based EPSs (CCBEPSs). Some CCBEPSs only use SSL to provide a secure communication channel. Hence, they only prevent "Man in the Middle" fraud but do not protect the sensitive cardholder information such as the credit card number from being passed onto the merchant, who may be unscrupulous. Other CCBEPSs use complex mechanisms such as cryptography, certificate authorities, etc. to fulfill the security schemes. However, factors such as ease of use for the cardholder and the implementation costs for each party are frequently overlooked. In this paper, we propose a Web service based new payment system, based on ANSI X9.59-2006 with extra features added on top of this standard. X9.59 is an Account Based Digital Signature (ABDS) and consumer-oriented payment system. It utilizes the existing financial network and financial messages to complete the payment process. However, there are a number of limitations in this standard. This research provides a solution to solve the limitations of X9.59 by adding a merchant authentication feature during the payment cycle without any addenda records to be added in the existing financial messages. We have conducted performance testing on the proposed system via a comparison with SET and X9.59 using simulation to analyze their levels of performance and security.

• Journal of Korea Game Society
• /
• v.17 no.2
• /
• pp.27-34
• /
• 2017

The study is to drive right users' attitude of internet and smart phones by providing the rewards. It consisted of 4 different types of no compensation, praise card, achievement sticker and cash and its effect on user's behavior was statistically tested. 24 children in grades four through six participated in the study. The task in this study was game of mathematical calculation. The subjective satisfaction about the reward and heart response during the game task were measured. As the results, inactivation of sympathetic and parasympathetic was observed in the case of no compensation while activation in the case of praise card. Therefore, the praise card was observed in greater commitment and satisfaction than the other rewards. The difference between non-compensation and compensation was significant in the subjective satisfaction, but not difference between compensations.

• Proceedings of the KIEE Conference
• /
• 2001.11c
• /
• pp.450-452
• /
• 2001

In this paper, we proposed the automatic postal drop-off system based on the microprocessor board or PC. The weight of the small postal package is transmitted from the electronic scale and user-entered addresses and delivery rate are processed by the controller to calculate the fee. For 24 hour out-door operation and maintenance, non-cash payment methods such as credit card payment is used. The post stamp and receipt are printed by the thermal printer. For the electronic processing of the parcel, serial code is also printed on the stamp and receipts in bar code format. The parcel information obtained by the automatic postal drop-off system is transferred to remote central system by dial-up modem shared by the on site office. The proposed system and its control software are built for prototype model operation and the result met the design requirements. For real time processing, data reception through three serial ports is handled by interrupt routine. The proposed system is expected to be applied for commercial logistics system and pc automation system.

• Journal of Service Research and Studies
• /
• v.6 no.1
• /
• pp.29-50
• /
• 2016

The purpose of this study is to identify the motivation of using and choosing factors in credit cards. These results indicate that considerate of other people factor may emphasize the convenience and safety in using credit cards, while the leisure factor may prefer the real-worth factor as they know that the more they use, the more benefits they would get. As the personality factor and the fashion factor, we can pay much attention to the advertisements, promotions, card designs, the colors, the characters and the social positions of the card holders and that considerate other people factor may like the low annual fees and the accumulating points, buying items on the installments without paying additional interest, which had offered them cash service and card loan. The authors of this paper has suggested an information by which credit card companies can establish the strategies according to the lifestyle of the elderly in silver business market.

• Journal of KIISE:Computer Systems and Theory
• /
• v.29 no.5
• /
• pp.299-306
• /
• 2002

Partially blind signature scheme is used in applications such as electronic cash and electronic voting where the privacy of the signature requester is important. This paper proposes an RSA-based enhanced partially blind signature scheme minimizing the amount of computation of the signature requester. The signature requester needs computation in blinding the message to the signer and in generating the final signature using the intermediate signature generated by the signer. Since the proposed scheme enables the signature requester to get the final signature just by using modular additions and multiplications, it decreases computation of the signature requester considerably. So, the proposed partially blind signature scheme is adequate for devices such as mobile device, smart-card, and electronic purse that have relatively low computing power.

• Journal of Korean Society of Rural Planning
• /
• v.24 no.1
• /
• pp.89-97
• /
• 2018

Recently, interest in rural tourism for urban dwellers has increased, and rural communities are chosen as tourist destinations. Under these circumstances, the study was designed to analyze the effects of the quality of service at rural stay sites on customer satisfaction and recommendation intention. The analysis method analyzes the demographic characteristics of the survey participants and characteristics of participation in rural stay. And the quality of service for the experience of rural stay was analyzed with SERVQUAL'S five-dimensional type, reliability, assurance, responsiveness, empathy, tangible and customer satisfaction, intent of recommendation and regression. Major analysis shows that the survey subjects were found to have an average age of 41.8 years, 49 to 59 years old, and a high degree of university graduation. And as characteristic of participation, the form of company was family and relatives, the form of family meeting was many summer, the reservation was Internet, and payment by cash and card were many. As a result of the hypothesis testing, reliability, assurance, responsiveness, and empathy among the quality of service of rural stay were affected in customer satisfaction. In addition, the quality of service and the intent to recommend it were statistically significant, reliability, assurance and empathy. Therefore, it is deemed necessary to make efforts to improve service quality as the quality of service at rural stay places has relevance to customer satisfaction and recommendation intention.