• Journal of the Korea Academia-Industrial cooperation Society
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• v.14 no.7
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• pp.3487-3494
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• 2013

Diverse application service such as mobile payment, access control or smart poster have been provided by using smart devices with built-in Near Field Communication technology. Especially, a mobile payment system can provide convenience to its users, but it also can poses including data disclosure while transmitting. There are vulnerabilities while generating session keys used to encrypt data in transaction processes as proposed in KS X 6928, the standard for mobile payment system. Therefore, in this thesis, I analyzed weaknesses of session keys used to encrypt transaction data and proposed a more secure mobile payment system based on NFC to enhance security. The proposed system will provide security functionalities such as key freshness, mutual authentication and key confirmation.

• Journal of Digital Convergence
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• v.13 no.8
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• pp.331-336
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• 2015

Lately, the development and utilization of technology of the Internet of Things(IoT), and Fintech have been on the rise and amid the emerging convergence of system and service, mobile payment system and location based service technology have received much attention. Considering the fact that smartphone users are currently utilizing mobile payment frequently, many corporations are introducing various methods to the market for easy payment process of consumers by grafting various technologies, and by utilizing the technology based on BLE technology and location based technology, it is emerging as new method applied to payment service such as ZEP, for easy payment process. And by checking the existence of security threats and studying the attack techniques in these payment services, we strive to suggest a method of response based on big data platform.

• 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.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.17 no.5
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• pp.1471-1483
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• 2023

One of the fastest-growing mobile services accessible today is mobile payments. For the safety of this service, the Near Field Communication (NFC) technology is used. However, NFC standard protocol has prioritized transmission rate over authentication feature due to the proximity of communicated devices. Unfortunately, an adversary can exploit this vulnerability with an antenna that can eavesdrop or alter the exchanged messages between NFC-enabled devices. Many researchers have proposed authentication methods for NFC connections to mitigate this challenge. However, the security and privacy of payment transactions remain insufficient. We offer a privacy-preserving, anonymity-based, safe, and efficient authentication protocol to protect users from tracking and replay attacks to guarantee secure transactions. To improve transaction security and, more importantly, to make our protocol lightweight while ensuring privacy, the proposed protocol employs a secure offline session key generation mechanism. Formal security verification is performed to assess the proposed protocol's security strength. When comparing the performance of current protocols, the suggested protocol outperforms the others.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2014.05a
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• pp.207-210
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• 2014

Damage is increasing by (Smishing) hacking attack Smishing you use a smart phone after entering 2013. Takeover of personal information and direct financial damage in collaboration with graphics sewing machine hacking attack has occurred. Monetary damage that leads to Internet payment service (ISP) and secure payment system in conjunction with graphics sewing machine hacking attack on a smartphone has occurred. In this paper, I will study analysis in the laboratory examples of actual infringement vinegar sewing machine hacking attack. It is a major power security measures to prevent damage to the secure payment system that a case analysis and practical principle technical nest sewing machine hacking attack, using Smishing. In this paper, I will be to research to be able to through a smart phone, to the online payment safer and more convenient.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2022.05a
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• pp.594-595
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• 2022

In the process leading to the continuous use of mobile payment system users, emotional and cognitive reactions are carried out. In this study, a questionnaire was conducted to determine the effect of external factors(social, system, service factors) of the mobile payment system on the continuous use of emotional responses(pleasure, emotional trust) and cognitive responses(cognitive trust). The structural model was tested using SPSS and PLS. As a result of the analysis, it was found that external factors affect emotional and cognitive responses, and cognitive responses affect continuous use.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2018.05a
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• pp.300-301
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• 2018

Recently, various payment services using mobile terminals are emerging and many users are using this service. This study is an empirical study on the effect of system factors(convenience, reachability, compatibility) of mobile simple payment service on trust, positive affect, mediated by customer perceived risk. A survey was conducted for this study, and a structural equation model was analyzed with PLS. Results showed that convenience, accessibility, and compatibility affect risk, and risk affects trust and positive affect.

• Journal of KIISE:Computing Practices and Letters
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• v.12 no.6
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• pp.367-378
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• 2006

A mobile phone has became as a payment tool in e-commerce and on-line banking areas. This trend of a payment system using various types of mobile devices is rapidly growing, especially in the Internet transaction and small-money payment. Hence, there will be a need to define its standard for secure and safe payment technology. In this thesis, we consider the service types of the current mobile payments and the authentication method, investigate the disadvantages, problems and their solutions for smart and secure payment. Also, we propose a novel authentication method which is easily adopted without modification and addition of the existed mobile hardware platform. Also, we present a simple implementation as a demonstration version. Based on virtual machine (VM) approach, the proposed model is to use a pseudo-random number which is confirmed by the VM in a user's mobile phone and then is sent to the authentication site. This is more secure and safe rather than use of a random number received by the previous SMS. For this payment operation, a user should register the serial number at the first step after downloading the VM software, by which can prevent the illegal payment use by a mobile copy-phone. Compared with the previous SMS approach, the proposed method can reduce the amount of packet size to 30% as well as the time. Therefore, the VM-based method is superior to the previous approaches in the viewpoint of security, packet size and transaction time.

• Journal of Intelligence and Information Systems
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• v.28 no.4
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• pp.365-385
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• 2022

The easy payment service is a payment and remittance service that uses a simple authentication method. As online transactions have increased due to COVID-19, the use of an easy payment service is increasing. At the same time, electronic financial industries such as Naver Pay, Kakao Pay, and Toss are diversifying the competition structure of the easy payment market; meanwhile overseas fintech companies PayPal and Alibaba have a unique market share in their own countries, while competition is intensifying in the domestic easy payment market, as there is no unique market share. In this study, the participants in the easy payment market were classified as electronic financial companies, mobile phone manufacturers, and financial companies, and a SWOT analysis was conducted on the representative services in each industry. The analysis examined the user reviews of Google Play Store via a topic modeling analysis, and it employed positive topics as strengths and negative topics as weaknesses. In addition, topic modeling was conducted by dividing news articles into political, economic, social, and technology (PEST) articles to derive the opportunities and threats to easy payment services. Through this research, we intend to confirm the service capabilities of easy payment companies and propose a service activation strategy that allows gaining the upper hand in the market.

• Journal of Digital Contents Society
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• v.14 no.1
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• pp.81-88
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• 2013

The increase of the smartphone users has popularized the mobile payment and the mobile credit card users are rapidly getting increased. The mobile credit cards that currently used provide its users with the service through downloading mobile credit card information into USIM. The mobile credit card saved in USIM has the minimized information for the security and is based on PKI. However certificate-based payment system has a complicated procedure and costs a lot of money to manage the certificates and CRL(Certificate Revocation List). Furthermore, It can be a obstacle to develop local e-commerce in Korea because it is hard for foreigners to use them. We propose the secure and efficient mobile credit card payment protocol based on certificateless signcryption which solve the problem of certificate use.