• Title/Summary/Keyword: Mobile Information Service

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A Study on Trust Transfer in Traditional Fintech of Smart Banking (핀테크 서비스에서 오프라인에서 온라인으로의 신뢰전이에 관한 연구 - 스마트뱅킹을 중심으로 -)

  • Ai, Di;Kwon, Sun-Dong;Lee, Su-Chul;Ko, Mi-Hyun;Lee, Bo-Hyung
    • Management & Information Systems Review
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    • v.36 no.3
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    • pp.167-184
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    • 2017
  • In this study, we investigated the effect of offline banking trust on smart banking trust. As influencing factors of smart banking trust, this study compared offline banking trust, smart banking's system quality, and information quality. For the empirical study, 186 questionnaire data were collected from smart banking users and the data were analyzed using Smart-PLS 2.0. As results, it was verified that there is trust transfer in FinTech service, by the significant effect of offline banking trust on smart banking trust. And it was proved that the effect of offline banking trust on smart banking trust is lower than that of smart banking itself. The contribution of this study can be seen in both academic and industrial aspects. First, it is the contribution of the academic aspect. Previous studies on banking were focused on either offline banking or smart banking. But this study, focus on the relationship between offline banking and online banking, proved that offline banking trust affects smart banking trust. Next, it is the industrial contribution. This study showed that offline banking characteristics of traditional commercial banks affect the trust of emerging smart banking service. This means that the emerging FinTech companies are not advantageous in the competition of trust building compared to traditional commercial banks. Unlike traditional commercial banks, the emerging FinTech is innovating the convenience of customers by arming them with new technologies such as mobile Internet, social network, cloud technology, and big data. However, these FinTech strengths alone can not guarantee sufficient trust needed for financial transactions, because banking customers do not change a habit or an inertia that they already have during using traditional banks. Therefore, emerging FinTech companies should strive to create destructive value that reflects the connection with various Internet services and the strength of online interaction such as social services, which have an advantage over customer contacts. And emerging FinTech companies should strive to build service trust, focused on young people with low resistance to new services.

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A Store Recommendation Procedure in Ubiquitous Market for User Privacy (U-마켓에서의 사용자 정보보호를 위한 매장 추천방법)

  • Kim, Jae-Kyeong;Chae, Kyung-Hee;Gu, Ja-Chul
    • Asia pacific journal of information systems
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    • v.18 no.3
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    • pp.123-145
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    • 2008
  • Recently, as the information communication technology develops, the discussion regarding the ubiquitous environment is occurring in diverse perspectives. Ubiquitous environment is an environment that could transfer data through networks regardless of the physical space, virtual space, time or location. In order to realize the ubiquitous environment, the Pervasive Sensing technology that enables the recognition of users' data without the border between physical and virtual space is required. In addition, the latest and diversified technologies such as Context-Awareness technology are necessary to construct the context around the user by sharing the data accessed through the Pervasive Sensing technology and linkage technology that is to prevent information loss through the wired, wireless networking and database. Especially, Pervasive Sensing technology is taken as an essential technology that enables user oriented services by recognizing the needs of the users even before the users inquire. There are lots of characteristics of ubiquitous environment through the technologies mentioned above such as ubiquity, abundance of data, mutuality, high information density, individualization and customization. Among them, information density directs the accessible amount and quality of the information and it is stored in bulk with ensured quality through Pervasive Sensing technology. Using this, in the companies, the personalized contents(or information) providing became possible for a target customer. Most of all, there are an increasing number of researches with respect to recommender systems that provide what customers need even when the customers do not explicitly ask something for their needs. Recommender systems are well renowned for its affirmative effect that enlarges the selling opportunities and reduces the searching cost of customers since it finds and provides information according to the customers' traits and preference in advance, in a commerce environment. Recommender systems have proved its usability through several methodologies and experiments conducted upon many different fields from the mid-1990s. Most of the researches related with the recommender systems until now take the products or information of internet or mobile context as its object, but there is not enough research concerned with recommending adequate store to customers in a ubiquitous environment. It is possible to track customers' behaviors in a ubiquitous environment, the same way it is implemented in an online market space even when customers are purchasing in an offline marketplace. Unlike existing internet space, in ubiquitous environment, the interest toward the stores is increasing that provides information according to the traffic line of the customers. In other words, the same product can be purchased in several different stores and the preferred store can be different from the customers by personal preference such as traffic line between stores, location, atmosphere, quality, and price. Krulwich(1997) has developed Lifestyle Finder which recommends a product and a store by using the demographical information and purchasing information generated in the internet commerce. Also, Fano(1998) has created a Shopper's Eye which is an information proving system. The information regarding the closest store from the customers' present location is shown when the customer has sent a to-buy list, Sadeh(2003) developed MyCampus that recommends appropriate information and a store in accordance with the schedule saved in a customers' mobile. Moreover, Keegan and O'Hare(2004) came up with EasiShop that provides the suitable tore information including price, after service, and accessibility after analyzing the to-buy list and the current location of customers. However, Krulwich(1997) does not indicate the characteristics of physical space based on the online commerce context and Keegan and O'Hare(2004) only provides information about store related to a product, while Fano(1998) does not fully consider the relationship between the preference toward the stores and the store itself. The most recent research by Sedah(2003), experimented on campus by suggesting recommender systems that reflect situation and preference information besides the characteristics of the physical space. Yet, there is a potential problem since the researches are based on location and preference information of customers which is connected to the invasion of privacy. The primary beginning point of controversy is an invasion of privacy and individual information in a ubiquitous environment according to researches conducted by Al-Muhtadi(2002), Beresford and Stajano(2003), and Ren(2006). Additionally, individuals want to be left anonymous to protect their own personal information, mentioned in Srivastava(2000). Therefore, in this paper, we suggest a methodology to recommend stores in U-market on the basis of ubiquitous environment not using personal information in order to protect individual information and privacy. The main idea behind our suggested methodology is based on Feature Matrices model (FM model, Shahabi and Banaei-Kashani, 2003) that uses clusters of customers' similar transaction data, which is similar to the Collaborative Filtering. However unlike Collaborative Filtering, this methodology overcomes the problems of personal information and privacy since it is not aware of the customer, exactly who they are, The methodology is compared with single trait model(vector model) such as visitor logs, while looking at the actual improvements of the recommendation when the context information is used. It is not easy to find real U-market data, so we experimented with factual data from a real department store with context information. The recommendation procedure of U-market proposed in this paper is divided into four major phases. First phase is collecting and preprocessing data for analysis of shopping patterns of customers. The traits of shopping patterns are expressed as feature matrices of N dimension. On second phase, the similar shopping patterns are grouped into clusters and the representative pattern of each cluster is derived. The distance between shopping patterns is calculated by Projected Pure Euclidean Distance (Shahabi and Banaei-Kashani, 2003). Third phase finds a representative pattern that is similar to a target customer, and at the same time, the shopping information of the customer is traced and saved dynamically. Fourth, the next store is recommended based on the physical distance between stores of representative patterns and the present location of target customer. In this research, we have evaluated the accuracy of recommendation method based on a factual data derived from a department store. There are technological difficulties of tracking on a real-time basis so we extracted purchasing related information and we added on context information on each transaction. As a result, recommendation based on FM model that applies purchasing and context information is more stable and accurate compared to that of vector model. Additionally, we could find more precise recommendation result as more shopping information is accumulated. Realistically, because of the limitation of ubiquitous environment realization, we were not able to reflect on all different kinds of context but more explicit analysis is expected to be attainable in the future after practical system is embodied.

Development of Ubiquitous Rice Intake Management Systems for Rice Processing Complex (미곡종합처리장을 위한 유비쿼터스 벼 반입관리 시스템 개발)

  • Lee, Hyo Jai;Kim, Oui Woung;Kim, Hoon;Kim, Byeong-Sam;Han, Jae-Woong;Han, Chung Su;Jung, Jae-Yoon
    • The Journal of Society for e-Business Studies
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    • v.18 no.2
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    • pp.175-189
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    • 2013
  • In this paper, an rice intake management system based on ubiquitous computing technology is introduced for rice processing complex (RPC). This system plays an important role in the quality management for rough rices in that the system provides timely and useful information of rice cultivation. The intake management system is developed by utilizing widespread ubiquitous technologies, such as smartphones, GIS and LBS, for the purpose of controling the harvest time and monitoring the quality of paddy. The information for rice production, cultivation and quality management is transmitted and stored in a centralized database via mobile networks, On the basis of these information, the harvest schedule is determined and notified to farmers though smart devices. Hence, the proposed system can help to establish trust among farmers, operators and consumers by providing systematic information based on ubiquitous computing technology.

Development of a Road Hazard Map Considering Meteorological Factors (기상인자를 고려한 도로 위험지도 개발)

  • Kim, Hyung Joon
    • Journal of the Korean Society of Surveying, Geodesy, Photogrammetry and Cartography
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    • v.35 no.3
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    • pp.133-144
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    • 2017
  • Recently, weather information is getting closer to our real life, and it is a very important factor especially in the transportation field. Although the damage caused by the abnormal climate changes around the world has been gradually increased and the correlation between the road risk and the possibility of traffic accidents is very high, the domestic research has been performed at the level of basic research. The Purpose of this study is to develop a risk map for the road hazard forecasting service of weather situation by linking real - time weather information and traffic information based on accident analysis data by weather factors. So, we have developed a collection and analysis about related data, processing, applying prediction models in various weather conditions and a method to provide the road hazard map for national highways and provincial roads on a web map. As a result, the road hazard map proposed in this study can be expected to be useful for road managers and users through online and mobile services in the future. In addition, information that can support safe autonomous driving by continuously archiving and providing a risk map database so as to anticipate and preemptively prepare for the risk due to meteorological factors in the autonomous driving vehicle, which is a key factor of the 4th Industrial Revolution, and this map can be expected to be fully utilized.

Detection of The Real-time Weather Information from a Vehicle Black Box (차량용 블랙박스 영상에서의 실시간 기상정보 검지)

  • Kang, Ju-mi;Lee, Jaesung
    • Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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    • 2014.10a
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    • pp.320-323
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    • 2014
  • Today is going with the advancement of intelligent transportation systems and traffic environment and helping to provide safe and convenient service through a mobile device work with the popularization of the vehicle black box. The traffic flow by a variety of causes is constantly changing, it is often unable to prepare the driver, depending on external factors can not be controlled by the power of the public, leading to a major accident. The system needs to pass the real-time weather data in the inter-operator to prevent this. The proposed detection algorithm weather information delivered real-time weather information for this paper. The weather condition is detected by using the contrast between the histogram of the motion of the wiper and the clear day algorithm. In general, the wiper is worked in extreme weather conditions that will have a value different contrast due to rain or snow. Situation was considered clear, snowy conditions, such as using it on a rainy situation. First, designated as ROI (Region Of Interest) of the minimum area that can be detected in order to reduce the amount of calculation for the wiper, the wiper, which was detected through the operation of the threshold Thresholding the brightness of the vehicle wiper. In addition, we distinguish the value of each meteorological situation by using contrast. Results was obtained to 80% for the snow conditions, a rainy situation.

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The Database management system for the MNP in Korea (한국에서 이동전화 번호이동성 시스템을 위한 데이터베이스 관리 시스템)

  • Jeong, Young-Sic;Kim, WhAn-Woo
    • Journal of the Institute of Electronics Engineers of Korea TC
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    • v.43 no.2 s.344
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    • pp.49-55
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    • 2006
  • This paper describe the most advanced database management system for the mobile number portability(MNP) in the world The database management system can process the procedure of porting_out and porting_in in 30 minutes and it is the shortest time in the world. The MNP DB management system consists of two functional blocks, one is for the call processing system and the other is for the management of subscriber of MNP. The hardware and processing algorithm are presented in this paper. The DB for call processing is located at each mobile operator and be called local number portability database (L-NPDB). The DB for the management of subscriber of MNP consist of L-NPDB and master database which is located at the Korea telecommunications operators association(KTOA). The hardware database system for MNP consists of the interconnection system of master-NPCDB (NP customer database, M-NPCDB), local-NPCDB, M-NPDB and L-NPDB. The master database is interconnected to the local database through dedicated line and can process any MNP service in real time. The presented MNP structure in this paper has been implemented in Korea and became the most effective and advanced DB management system for MNP in the world.

Transport Overhead Analysis in Terrestrial UHD Broadcast A/V Stream (지상파 UHD 방송 AV 스트림 오버헤드 분석)

  • Kim, Nayeon;Bae, Byungjun
    • Journal of Broadcast Engineering
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    • v.22 no.6
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    • pp.744-754
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    • 2017
  • This paper compares transport overhead of MPEG-2 TS, MMT and ROUTE in order to compare transport efficiency between the DTV and UHDTV. The MPEG-2 TS standard, widely used, was established for multiplexing and synchronizing encoded audio and video, additional information. In recent years, MMT and ROUTE was established as a next generation multimedia transport standard for the new broadcasting communication environment. In this paper, we compare and analyze transport overhead about three protocol. In order to analysis, we captured the UHD A/V stream in real-time broadcasting service using ROUTE and MMT, and we calculated and analyzed transport overhead using the overhead analysis program which was developed in our laboratory. Furthermore, for comparison under the same conditions, we assumed the MPEG-2 TS stream by extracting ES of UHD A/V stream based on the DTV standard. In this paper, we show the results of protocol transport efficiency in case of basic A/V stream except for additional services. And result show that MMT and ROUTE have similar overhead and MPEG-2 TS is relatively small overhead. However, since MPEG-2 TS result does not consider null packets, it is expected that the relative overhead difference will be reduced.

A Design of Handoff-aware DiffServ Scheduler in TDD/CDMA Networks (TDD/CDMA망에서 핸드오프를 지원하는 DiffServ 스케줄러 설계)

  • Zang, Seog-Ku;Kim, Young-Han
    • The KIPS Transactions:PartC
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    • v.14C no.6
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    • pp.493-502
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    • 2007
  • In this paper, we propose a handoff-aware DiffServ scheduler which intends to guarantee various QoS requirements of multimedia services for mobile nodes in TDD/CDMA based wireless networks. TDD is widely used duplexing mechanism in wireless communications. Unlike FDD, TDD allows a node to symmetrically communicate with a base station by using a single frequency band, resulting in high utilization of wireless resources. DiffServ is regarded as a relatively simple QoS support mechanism and thus it is easy to be extended. This is because DiffServ is not a per-flow based mechanisms and it does not require any signaling protocol. However, previously proposed DiffServ schedulers for wired networks can not be deployed directly into wireless networks since they do not consider properties of wireless networks. As a solution to the problem, DSS(DiffServ Supporting Scheduler) was proposed. DSS uses uplink channel, which is originally used for a node to require a base station to transmit packets, to support QoS efficiently. However, QoS does not consider handoff so that it can not support QoS for moving nodes from one cell to the other cell. Therefor. the proposed handoff support QoS mechanism is necessary for TCC/CDMA networks. The proposed scheme allows a mobile node to achieve seamless service without QoS degradation even for the handoff duration.

A Study on Social Supports for the Elderly Housing in Senior Concentrated Cities in the United States and Canada : Focused on Small Cities along Rural Counties (미국과 캐나다 노인밀집도시의 노인주거관련 사회적지원에 관한 연구 : 농촌지역 소도시를 중심으로)

  • Lee, In-Soo
    • Journal of Families and Better Life
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    • v.29 no.3
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    • pp.23-41
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    • 2011
  • The purpose of this study is to explore social supports for elderly housing and their residential lives in small cities along rural counties of the United States and Canada, and suggest future implications for age-concentrated rural villages in Korea. In this study, five small and medium cities in non-metropolitan counties of California and Ontario province were visited and elderly residents and service experts were interviewed about their perceptions of community integrated social support networks for senior residences. The senior housing complexes were built due to influx of both metropolitan and rural residents seeking warm localities, traffic connections, business purposes in active production areas. and leisure attractions. There are five main social support networks for senior housing issues in these areas. First, the areas are claimed for senior zones and accordingly health industries are encouraged by local authorities. Second, the community is homogeneously constructed as a senior friendly environment and include features such as an RV park and mobile cottages. Third, senior-helping seniors are offered active work through golf-cluster active retirement communities. Fourth, traditional theme production camps are mobilized by the elderly workers. Lastly, an information system is maintained for screening volunteers and for senior abuse prevention. On the other hand, residential lives are occasionally negatively influenced by unbalanced concentrations of elderly facilities such as nursing stations and funeral homes. For the future of Korean rural elderly policies, suggestions are made as follows: first, an integrated urban and rural township that contains attractive places for early retiring people who seek a warm atmosphere in later life needs to be constructed. Second, an integrated model retirement village of urban and rural retirement life needs to be initiated as a measure of evaluating the adaptation process of movers in senior concentrated zones. Third, a cooperation system among governmental ministries needs to be formed with the long- term goal of establishing a traditional rural town of independent housing districts and medical facilities in rural areas. Fourth, productive and active lifestyles need to be maintained as the local community and government develop successful retirement rural villages, by limiting the expansion of nursing related facilities. Finally, generation integrated visiting welfare programs and services need to be further developed for the housing areas especially in the winter, when social integration and activity are relatively low.

A Study on Ex-post Regulation of Zero-rating Service - Comparative Legal Study on Relevant Laws and NRA's Decisions Between Domestic and Overseas Countries - (제로레이팅 사후규제 방안에 대한 연구 - 국내 및 해외 주요국 법령 및 심결의 비교법적 고찰 -)

  • Cho, Dae-Keun;Hong, Joon-Hyung
    • Informatization Policy
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    • v.26 no.1
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    • pp.83-105
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    • 2019
  • The purpose of this study is to analyze the domestic and overseas laws and regulators' decisions related to zero-rating (ZR) practices through a comparative approach and to support development of the ex-post regulation. Although most countries are adopting ex-post regulatory approaches toward the globally increasing ZR practices, there is no uniform standards or an approach to consider when deciding whether to allow mobile ISPs' zero-rating practices in the market. However, in recent years, some countries have been improving their policy transparency with respect to ZR through enacting and amending relevant laws as well as making trial decisions. The comparative analysis shows that each country investigates restriction of the user choice and ISPs' adherence to the obligation of non-discrimination in order to judge whether the user benefits are damaged by the ZR practices. It also investigates ISP-CP's market positioning and ISP's vertical integration for profit squeeze to find out whether they harm fair competition with ZR practices in the mobile ecosystem. Based on the results of the comparative analysis, we suggest the desirable ZR regulatory directions under the domestic legislative status.