• The Journal of Korean Institute of Communications and Information Sciences
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• v.29 no.2C
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• pp.348-353
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• 2004

Development of an efficient and secure payment system is prerequisite for the construction of electronic payment mechanism in mobile environment. Since current PayWord protocol system generates vendor's certificate for each transaction, it requires lot of operation for transaction. In this paper, we use a session key generated by ID-based tripartite Key agreement protocol which use an Elliptic Curve Cryptosystem over finite field $F_{q}$ for transactions. Therefore, our protocol reduces algorithm operations. In particular, proposed protocol using ID-based public key cryptosystem has the advantages over the existing systems in speed and it is more secure in Man-in-the-middle attacks and Forward secrecy.

• Proceedings of the Korea Information Processing Society Conference
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• 2001.10b
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• pp.899-902
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• 2001

공개키 연산을 이용하는 고액 지불 시스템(Macro Payment System)은 높은 수수료로 인해 경제성이 맞지 않아 소액 지불(Micro Payment)에는 적합하지 않다. 해쉬 연산을 이용한 PayWord 프로토콜은 저렴한 메커니즘 비용과 신속한 트랜잭션 처리, 거래과정에서 브로커의 오프라인 참여로 소액 대금 결재에 적합하다. 그러나 특정 상점에만 사용 가능한 화폐가치를 포함하여, 사용자가 거래하는 상점이 많아지면 관리 저장해야 하는 해쉬 체인의 수가 늘어나는 단점이 있다. 본 논문에서는 전자화폐에 해당하는 해쉬 체인을 하나만 생성하여 여러 상점들에 안전한 지불을 수행하는 개선된 소액 지불 프로토콜을 제안한다. 제안한 방법은 지불과정에 MAC(Message Authentication Code)을 이용한 해쉬 간을 추가하여, 상점들의 공모 및 악의적인 수정을 방지한다. 따라서 사용자는 하나의 해쉬 체인만을 생성함으로써 기존의 PayWord보다 계산부담이 줄고, 여러 상점들과의 일시적인 거래관계에서도 효율적인 지불을 수행한다.

• Journal of KIISE:Information Networking
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• v.30 no.2
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• pp.199-206
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• 2003

one of the representative micropayment protocols. The original PayWord system is designed for a user who generates paywords by performing hash chain operation for payment to an only designated vendor. In other words, a user has to create new hash chain values in order to establish commercial transactions with different vendors on the Internet. Therefore, we suggest an efficient scheme that is able to deal with business to different vendors by using only one hash chain operation to supplement this drawback. In this proposed system, a broker creates a new series of hash chain values along with a certificate for the user's certificate request. This certificate is signed by a broker to give authority enabling a user to generate hash chain values. hew hash chain values generated by a broker provide means to a user to do business with multiple vendors.

• Proceedings of the Korean Information Science Society Conference
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• 1998.10b
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• pp.194-196
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• 1998

본 논문에서는 기존에 제안된 초소액 지불 시스템들의 성능을 비교 분석한다. 비교 대상 시스템으로는 $\mu$-iKP, PayWord, CAFE(phone call), MPTP, NetBill, Mini-Pay, Millicent를 선택하였고, 비교 항목으로는 효율성, 안정성, 그리고 분쟁 해결성등의 요소를 고려하였다.

• Journal of the Korea Computer Industry Society
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• v.4 no.4
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• pp.533-546
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• 2003

for the low information goods which will be traded through Internet is impossible to manage with previously existed payment system. The reason is that it's not economic because the management cost is bigger than the benefit of the information goods trade. Therefore, recently, there have been micropaymentresearches such as "Milicent", "PayWord", "MicroMint", and "iKP", etc. Though these methods don't have any problem with the low cost of the mechanism and the satisfaction of adequate security, they have big problem with the use of the unnecessary account and the aggregation of payment bill. The PayHash system which has been developed in this study simplifies the system's mechanism with "one-way hash function" which is used in generation, payment, and verification of the bill. And the system removed the generation and use of unnecessary account by making one customer have one account. The system solve the problem of the payment aggregation by using the last payment hash value and its index. And the system improves its performance by reducing the use of "digital signature" drastically, as well. As the result of this study, the PayHash system made it possible for the participants of the Internet Commerce to trade the lowest cost goods through efficient maintenance.o trade the lowest cost goods through efficient maintenance.

• Management Science and Financial Engineering
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• v.11 no.3
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• pp.47-60
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• 2005

Well-known e-CRM strategy is to focus on profitable customers and pay less attention to unprofitable ones. Moreover, some researchers recommend not serving unprofitable ones any more. However, it often neglects customers indirect value. Deselecting unprofitable customers can raise the issue of bad word-of-mouth publicity especially in the age of the Internet. Some studies pointed out that a customers decision to buy a product or service is often strongly influenced by others. In this paper, we consider customers' word-of-mouth effect on quality learning of inexperienced customers. We show that firms implementing e-CRM must take the effect into the consideration when deselecting unprofitable customers.

• Journal of KIISE:Information Networking
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• v.31 no.4
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• pp.405-413
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• 2004

Design an efficient and secure electronic payment system is important for M-Commerce. In this paper, we propose an efficient Micro-Payment Protocol that allows multiple transactions using ID-based public key cryptosystem. Current PayWord system requires to generate certificate of the vendor for each transaction. In this paper, we use a session key instead of certificate key generated by Weil Pairing which use an Elliptic Curve Cryptosystem over finite field $F_q$ for transactions Therefore, it is more secure in Known key attacks as well as Man-in-the-middle attacks.

• Korean Management Science Review
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• v.18 no.1
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• pp.69-78
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• 2001

An electronic micropayment system, one of electronic payment systems, is suitable especially when a small amount of money is to be paid frequently in order to purchase on-line goods (i.e. database search, software distribution, electronic news service, etc). In addition, since the amount of payment is small, possible damages caused by system failures are lower than other payment system. In this paper, a micropayment protocol in electronic commerce environments on the Internet is proposed, based on the PayWord system. And a micropayment electronic commerce system which executes the protocol proposed is implemented. Unlike the PayWord system, however, the micropayment protocol proposed in this paper is designed in such a way that a merchant does not need to request a payment at the end of every business day since a customer cannot purchase goods beyond length of hash chains, which is specified on a certificate. In addition, the system is able to check the validity as well as the duplicate spending of hash chains. The electronic micropayment system with the proposed protocol is consists of Customers, Merchants, and Brokers. Customers are implemented on Windows NT 4.0 using VC++. Merchants are implemented on Solaris 2.5.1 and gcc 2.8.0 using Netscape Web Server and CGI Methods. HP UX 10.20 is used for Brokers.

• The Journal of the Korea Contents Association
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• v.6 no.12
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• pp.12-20
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• 2006

In this paper, we propose electronic payment protocol using GDHP blind signature scheme to activate e-business in the wire/wireless integrated environment. The protocol applied elliptic curve algorithm on the GDHP base and improved the efficiency of the existing blind signature technique on the basis of communication frequency and calculation number. And the protocol accelerated speed and strengthened safety against man-in-the-middle attacks and forward secrecy because the certification between individuals is performed by the session key created by Weil paring using elliptic curve cryptosystem in the limited entity $F_q$ instead of the certification used in the existing PayWord protocol.

• Journal of Distribution Science
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• v.20 no.6
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• pp.21-32
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• 2022

Purpose: This study aims to test the influence of brand relationship, price, content, brand awareness, and electronic Word-Of-Mouth (eWOM) on willingness to pay for the subscription fee of Disney+ Hotstar. As the latest streaming service provider in Indonesia, Disney + Hotstar under Disney Media and Entertainment Distribution has actively conducted strategies to strengthen the brand and attract consumers. Research design, data and methodology: Structural Equation Modelling with WarpPLS approach was used to assess the proposed model gathering data from 316 people who have ever known about Disney+ Hotstar through an online survey using measurement items from previous literature. Results: Most responses were obtained from millennial generations. Findings demonstrated that brand relationships, price, content, and brand awareness positively influenced willingness to pay for the subscription fee whereas eWOM showed a negative and insignificant influence on the willingness to pay for the subscription fee. Conclusions: The most significant factor towards willingness to pay a for subscription fee is price, followed by brand awareness, brand relationship, and content. The result of this study may be used as a guide for professionals in the streaming service industry to better implement their strategies in influencing people to have the willingness to subscribe.