• Journal of Advanced Navigation Technology
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• v.17 no.5
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• pp.552-559
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• 2013

According to the recent increase of mobile commerce, the researches on electronic voucher payment based on NFC are lively made. However, most researches focus on the payment method using electronic vouchers, and so there is none for tracking circulation history of an electronic voucher. To address this problem, this paper proposes the method to store circulation information of an electronic voucher. The proposed method applies Object Memory Model (OMM) to an electronic voucher. When an electronic voucher is issued, transferred to other person, and used in payment, related information is stored at the object momory of an electronic voucher. So, our proposed object memory has three types of blocks, on which each information for issue, transfer, and payment of an electronic voucher is stored. We can retrieve and analyze the circulation history of an electronic voucher using this information. In the future, we will implement the proposed an electronic voucher and propose the method to analyze circulation information.

• Quality Improvement in Health Care
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• v.7 no.2
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• pp.190-202
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• 2000

Background : The objectives of this study were to examine patients' satisfaction with the DRG based payment method and its association with their awareness of the method, to examine patient reported changes in doctors' caring attitude, level of their out-of-pocket payments, providers' acceptance of patients' request for additional services after the program, and to examine changes in service utilization recorded in medical records. Method : One hundred-four patients who had cesarean sections before and after the demonstration program at two hospitals located in Seoul participated in the study. Patients were surveyed before discharges when their charges were finalized. Their medical records were reviewed as well to collect data for service utilization during hospital stays. The association between patients' satisfaction with the payment method and their awareness of the method was analyzed by ${\chi}^2$-test, and the significance of changes in providers' acceptance of patients' request for additional services and service utilization after the program were examined by ${\chi}^2$-test and t-test, respectively. Results : A large proportion of patients did not know of the DRG based payment method at the time of survey and a significantly larger proportion of patients who came to the hospitals with the knowledge satisfied with the method. About the same proportion of patients reported improvement and deterioration in doctors' caring attitude compare to the previous hospitalizations and a similar result was found concerning out-of-pocket payments. Providers' acceptance of patients' request for medication, PCA and painless delivery decreased significantly after the program whereas the acceptance for additional hospital days and laboratory and radiology tests did not. Length of stay, the numbers of days on antibiotics and antianemic medication, and the number of blood tests decreased significantly after the program, however, decreases in the rate of antianemic medication and the number of urine analyses were not statistically significant. Re-operation, in-hospital death, and complications were not observed before and after the program. Conclusion : The study findings indicated a need for better patient education and publicity about the newly introduced payment method to improve their satisfaction with the system. Other study findings concerning service utilization and quality of care indicators were consistent with the government funded evaluation studies.

• Journal of Distribution Science
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• v.21 no.5
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• pp.113-120
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• 2023

Purpose: The purpose of the study is to examine how payment systems for traditional distribution channels pursue changes and how they collaborate in-depth with fintech companies. This study examines the changing payment system through the strategic partnership between distribution companies and fintech companies. Research Design, Data and Methodology: The study conducted research using a variety of secondary materials and existing literature and also utilized the interview method. More specific and in-depth research is conducted through various literature studies and secondary data. Findings and Results: The findings of the study are as follows. First, distributors have occasionally directly adopted simple payment systems due to changes in payment systems as a result of online advances. Second, distributors were found to collaborate with fintech companies when not directly using simple payment. Conclusions: Such maneuvers by distributors are aimed at first, providing convenience and simplicity for consumers. Second, developing the ability to apply big data for accumulating consumer information and third, producing a customer lock-in effect by reducing the fees charged for existing payment services. The present study will provide many domestic and international distributors with a new perspective and practical implications in terms of the distribution and finance industries.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.17 no.7
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• pp.319-325
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• 2016

A variety of services for mobile payments by the activation of FinTech have been developed. Various payment methods were developed, and an authentication method was developed to improve the reliability of the payment. On the other hand, when mobile easy payment services are used, they have weak security because the authentication by phone number. Therefore, this paper proposes a technique for increasing the reliability of the authentication process using the unique device ID of the mobile device to improve the authentication process based on the telephone number. The core research contents are the architecture and process for the authentication of mobile payments based on the mobile device ID. The mobile payment architecture consists of a mobile device, authentication service, and mobile payment application. The mobile device consists of mobile device ID and phone number, and the authentication server consists of authentication module and encryption module. The mobile payment service consists of a pre-authentication module and decryption module. The process of mobile payment service is processed by the encrypted authentication information (device ID, phone number, and authentication number) among mobile devices, authentication server, and mobile payment application. The mobile device sends the telephone number and the device ID to the authentication server and the authentication server authenticates the user through an authentication process and encryption process. The mobile payment application performs the pre-authentication process by decrypting the received authentication number. This paper reports a difference that can prevent the risk of leakage of the authentication number in existing payment services through the authentication process of the authentication server and the pre-authentication process of the mobile payment service of this paper.

• Journal of Convergence Society for SMB
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• v.5 no.2
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• pp.7-13
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• 2015

Recently, payment methods using smartphone are diverse with the increased usage of smartphone. Especially, new features of mobile payment service are required in the situation to provide more services than mobile service of non-financial corporations. This paper proposed response and plan of current banks for mobile payments of non-financial corporations. Proposed method analyzes response and plan of the existing countermeasures of banks due to the spread of mobile devices, the development of FinTech, and the diversification of mobile payment in recent years. And, proposed paper additionally suggests the countermeasures of the financial sector for the reduction of fee income caused by the non-financial payment services. Also, this paper analyzes the mobile payment field and the method of non-financial corporations, which is the threat to the existing banks, and describes the countermeasure.

• Journal of Korea Multimedia Society
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• v.8 no.7
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• pp.988-999
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• 2005

As the Internet continues to have the commercial trade changed, the method of payment is one of critical components to conduct successful businesses through the internet. An electronic cash has all of the characteristics of a traditional commodity cash and ensures the security for all transactions. Accordingly an internet billing system based on the electronic cash is expected as the secure and efficient payment method for the future electronic commerces. The digital contents such as digital merchandise and services have the characteristic that both the delivery of merchandise and the payment of money can be accomplished on the same network and are helpful to idealize the design of the electronic commerce system. In this paper, Anonymity got to be possible by using a virtual ID in the process of payment, the payment steps were decreased by being processed on the same network, and the efficiency and the security were guaranteed by decreasing the frequency of the coding and communication.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.13 no.1
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• pp.147-155
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• 2003

The diffusion of internet infrastructure and a fast increase of Population to use it is becoming a base of the service that can use various information, data and digital contents which were provided through off-line physically and used. Recently, the. techniques for copy deterrence and copyright protection have been important in e-commerce because various contents in digital form can be duplicated easily. The Access Control(AC) technique that only a user having the qualifications can access and use contents normally has been studied. The Conditional Access System(CAS) used in a satellite broadcasting md Digital Right Management System(DRMS) used for contents service are representative models of current commercialized access control. The CAS and DRM can be considered as an access control technique based on the payment based type(PBT). This paper describe the access control method of payment free type(PFT) suggested in ［5］ which are independent on the payment structure. And then we suggest a new access control method of payment free type which is more efficient than the previous one.

• The Journal of the Korea Contents Association
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• v.19 no.8
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• pp.490-499
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• 2019

Face recognition payment service is an innovative payment method based on face recognition technology and is emerging in China now. Various industries regarding unmanned sales are likely to utilize this face recognition payment service in the future. This study investigated the factors influencing the usage intention of Chinese consumers who have experience using face recognition service. We used questionnaire survey and analysis with SPSS and AMOS. According to the results of the study, conclusions are as followed. First, consumers' attitudes toward the characteristic of face recognition payment service, which are non-contact and non-coercion, positively affected perceived usefulness. Second, the rapidness of the facial recognition payment among the recognition, the security and the rapidness of this service affected the ease of use. Third, social influences such as subjective norms also influence the intention to use. Fourth, the increase of the level of self-expression awareness and the intention of using face recognition payment service are confirmed. Through these results, the implications for design and communication of related innovative services were discussed.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.26 no.6
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• pp.1527-1537
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• 2016

As increasing of smartphone penetration over the world, various mobile payment services have been emerged and fraud transactions have drastically increased. Although many financial companies have deployed security solutions to detect fraud transactions in on/off-line environment, mobile payment services still lack fraud detection solutions and researches. The mobile payment is mainly comprised of micro-payments and payment environment is different from other payments, so mobile-specialized fraud detection is needed. In this paper, we propose a FDS (Fraud Detection System) based on data mining for mobile payment services. The method of this paper is applied to the real data provided by a PG (Payment Gateway) company in Korea. The proposed FDS consists of two phases; (1) the first phase is focused on classifying transactions at high speed (2) the second is designed to detect abnormal transactions with high accuracy. We could detect 13 transactions per second with 93% accuracy rate.

• International Commerce and Information Review
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• v.6 no.1
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• pp.25-50
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• 2004

This study attempts to find out what kind of service quality is considered important by customers in using the Internet shopping mall and suggests the way to activate the customer relationship. The findings based on empirical analysis are shown here. First, empirical analysis of the contextual factors such as gender, education, and experience levels, shows that what customers perceive as most important in the product purchase is security in terms of the payment and personal information service. The second important service quality factor perceived by customers is responsiveness, particularly the rapidity and accuracy of response to their needs and wants. The customers also considered price, quality and diversity of the product as being important. Furthermore, there is no big difference among other service quality factors. Second, in the different gender context, there is no significant difference between the genders. However, the male group shows an even distribution of factors valued in the service quality, whereas female respondents placed stronger emphases on particular aspects of service, such as security, response, reliability and product quality. Third, in the context of different education level, the payment method between graduates and non-graduates has a significant difference. That is, the non-graduates prefer the credit card and saving through ATM, while the graduates use dual payment method using credit card and another payment method together. Therefore, the various payment methods should be considered according to the customer type, namely graduates or non-graduates. Fourth, in the context of different experience level, the result of the empirical analysis of the factors of the service quality shows no great difference between experienced and inexperienced customers. Both types of customer perceive security as the most important. To sum up, the service quality perceived by the customers of Internet shopping malls is empirically analyzed in different contexts such as gender, education, and experience. Then, the device for the customer relationship activation is suggested. It can be utilized as a guideline for the continuing diffusion of the Internet shopping mall, giving it a competitive advantage against other companies.