• 정보처리학회논문지C
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• 제9C권3호
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• pp.351-358
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• 2002

Recently, personal business styles have been rapidly changed into e-business due to the rapid progress and deployment of Internet. As a result of the change, new and safe ways of payment such as electronic wallet, electronic money and electronic check have been developed and introduced. In this paper a secure and user-friendly payment method is addressed. One of most important reasons why newly developed safe payment methods are not widely used in e-business is lack of convenience for the users. On the other hand credit card based payment, which is traditional one, is the most prevailing due to the user-friendliness. However this payment also has some problem in sense of security. In this paper, we design and implement a secure credit card-based payment system using one-time credit information. The main features are "payment information must be new", "can use the old credit system", and "do not require client software".

• The Journal of Asian Finance, Economics and Business
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• 제7권10호
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• pp.323-328
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• 2020

This study aims to analyze the changes in purchasing decisions in conducting transactions using cash and digital payment systems. Cash payment systems are very different from digital payments because they no longer use banks as intermediaries for transactions. The scope of this study is to determine the differences that take place with purchasing decisions using digital payment systems with OVO Indonesia smart applications. By using the paired T-test sample test method and testing the regression class assumptions, it is expected we will document the comparison between cash and digital payment systems as regards changes in consumers' buying interest behavior towards goods. Data is obtained by purposive sampling using special characteristics for smart application users. The results show that digital payments are developing very quickly, but cash payments still dominate due to the unavailability of complete facilities and infrastructure to support digital payment systems other than in cities. This study illustrates that digital payments have not been able to completely change consumer buying behavior in large numbers, but the main finding in this study is an increase in the percentage of digital payment usage to the online market, due to the many conveniences provided in OVO smart applications.

• 한국IT서비스학회지
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• 제21권1호
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• pp.21-40
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• 2022

Advances in information and communication technology have introduced self-service technologies (SSTs) to service companies, changing the way they serve. In addition, as SSTs are expanding for low cost and high efficiency, opportunities for technology to interact with consumers have increased. Restaurant managers have the advantage of the SSTs win-win strategy, which allows consumers to freely receive the products or services they want, but some consumers have low satisfaction of the SSTs, especially elder people and the blind. This study examines the effect of unmanned order payment technology on service quality evaluation. For this, we interviewed a total of 12 consumers in their 10s to 50s with the experiences of using unmanned order payment technology, applying the Grounded Theory Method(GTM). Through a review of the research participant interview materials, totally 84 concepts were derived and the concepts were analyzed to derive 15 subcategories and 10 upper categories. Finally, a paradigm model of the effect of unmanned order payment technology on service quality assessment was derived. It also found the importance of consumers' sense of obligation to use unmanned order payment technology, recognition of advantages (e.g., time savings), recognition of shadow labor, and recognition of whether the technology usage process is in the service quality assessment stage.

• Journal of Computing Science and Engineering
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• 제5권1호
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• pp.51-70
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• 2011

This paper introduces a new credit card payment scheme called No Number Credit Card that can significantly reduce the possibility of credit card fraud. The proposed payment system is loosely based on Kerberos, a cryptographic framework that has stood the test of time. In No Number Credit Card, instead of card numbers, only payment tokens are exchanged between the customers and merchants. The tokens are generated based on the payment amount, payment type, client information, and merchant information. However, it does not contain the credit card number, so the merchant or a database hacker cannot acquire and illegally use any credit card numbers. The No Number Credit Card system is ideal for online e-commerce transactions and can be used with any credit card that users possess. It can be used with minor modifications to the current card payment system. We provide the principles of its operation through scenario analysis, a sample implementation, and a security analysis

• 한국지능정보시스템학회:학술대회논문집
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• 한국지능정보시스템학회 2005년도 공동추계학술대회
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• pp.226-233
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• 2005

Ubiquitous computing is a study area explained in a myriad of contexts and technological terms. So when you try to define it with simple words, it gets even more confusing. Payment. however, refers in nature to an act of money transfer from one entity to another, and it is obvious that a payment method will be valued as long as the transaction can be completed with safety no matter what technology was used. In the end, the key to U-payment is convenience and security in the transfer of financial information. The purpose of this paper is to find a desirable U-payment scheme by looking at the characteristics of seamlessness under the ubiquitous environments, Strong Personal Device, and peer-based if information transactions. We also propose U-SDT Protocol integrating critical technologies such as Radio Frequency Identification (RFID), Bluetooth, Personal Payment Device, Account Managing Application and Transaction ID as a way to make transactions between users seamless and secure better privacy protection.

• 품질경영학회지
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• 제46권3호
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• pp.625-640
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• 2018

Purpose: The scale of a market of mobile payment which was insignificant is explosively being improved by development of various communications technology and achieving rapid diffusion of smart phone. According to this phenomenon, new method of financial dealings through a mobile can be seen as a new paradigm that leads to a change of existing payment work and also recognized as an innovation of information technology. Methods: but a study regarding whether the use of mobile payment service takes an important role as an influencial factor is still insufficient. This study was based on the model of innovation resistance by Ram(1987) and established a hypothesis and a model to confirm how four factors (usability, security, economic feasibility, responsiveness) influence to innovation resistance and the intention of discontinuous use. Results: usability, security were found to be significant predictor variables of innovation resistance to use mobile payment system, but economic feasibility, responsiveness were not found to be significant predictor variables. Conclusion: Providing gave a theoretical foundation for future research in that it presents the variables to consider new forms of mobile payment services, the mobile payment services will need to show a differentiated strategy and traditional marketing strategy.

• 한국정보통신학회:학술대회논문집
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• 한국정보통신학회 2013년도 춘계학술대회
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• pp.267-270
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• 2013

안전결제는 국내 최초의 PKI기반 전자서명방식을 적용한 신용카드 인터넷 결제서비스로 해킹 피해가 해마다 증가하여 2012년도에는 1억 8천만 원 이었다. 2013년도 들어 스마트폰을 이용한 스미싱(Smishing)이라는 피싱수법으로 인하여 피해가 급증하고 있다. 스미싱을 이용한 안전결제 시스템에 대한 해킹사고가 직접적인 금전적 피해와 개인정보 탈취를 야기하고 있다. 본 논문에서는 스미싱에 대해 분석하고 안전결제에 대한 해킹 공격을 연구하여 스미싱을 이용한 안전결제의 피해를 예방한다. 더불어 스마트폰을 통해 보다 안전하고 편리하게 온라인 결제를 할 수 있도록 하는 연구가 될 것이다.

• 대한전자공학회논문지TC
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• 제45권8호
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• pp.82-90
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• 2008

본 논문에서는 요금 지불 서비스를 위한 기능 구조를 설계하였다. 이는 IT 개발자들이 통신망 자원을 이용하여 과금 관련 응용을 손쉽게 만들 수 있도록 하였다. 운용자들이 통합 빌링을 제공할 수 있도록 하는 비즈니스 모델을 지원하기 위해서 지불 인터페이스와 계좌 관리 인터페이스는 필수적이며, 나아가 시장성장에 중요한 역할을 한다. 이 모델을 이용하여 지불 서비스와 계좌 관리 서비스로 구성되는 요금 지불 서비스를 생성하였다. 각각의 서비스는 Parlay X 웹서비스 구조를 기반으로 하였다. 지불 모델링과 계좌 관리 모델링 과정에서, Parlay X 지불 웹서비스에서 Spit Charging 관련 신규 오퍼레이션을 제안하였고, Parlay X 계좌 관리 웹서비스에서 Notification 관련 신규 오퍼레이션을 제안하였다.

• 한국소프트웨어감정평가학회 논문지
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• 제15권2호
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• pp.35-42
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• 2019

본 논문에서는 SW감정에서 많이 사용되는 완성도와 기성고의 용어의 정의를 재조명하고, 최근 SW분쟁에서 요구하는 완성도와 기성고의 의미와 산출 방법을 제시한다. 일반적으로 SW감정에서의 완성도는 최종 구축/구현된 SW의 기능상의 완성된 정도를 의미하고 있으며, 기성고는 개발비를 정산하기 위하여 현재까지 완료된 산출물 또는 기능을 기반으로 비용을 산출하는 것을 의미한다. 따라서 완성도는 최종적으로 개발 완료된 제품/산출물의 기능이나 인터페이스를 기준으로 판단하며, 기성고는 SW개발 단계별로 산출물 및 투입된 비용으로 산출된다. 최근에는 SW감정이 복잡해지고 완성도와 기성고에 대한 요구사항이 구체적으로 변화되고 있으므로, 본 논문에서는 각 용어의 의미와 목적을 다시 살펴보고 그 산출 방법을 제시한다.

• 정보보호학회논문지
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• 제28권4호
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• pp.827-838
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• 2018

2014년도부터 금융권의 규제가 완화됨으로써 간단한 인증만으로 대금을 결제 할 수 있는 모바일 간편결제 시장이 확대되어 다양한 간편결제 서비스가 등장하고 있다. 모바일 간편결제 애플리케이션의 보안 위협을 막기 위해 여러 검증 기능을 가진 보안 솔루션들이 애플리케이션에 적용되었지만, 보안 솔루션의 적용 구조상 취약점은 여전히 발생할 수 있다. 본 논문에서는 간편결제 애플리케이션과 보안 솔루션을 프로세스 관점에서 분석하여, 검증 결과 값을 변조하는 것만으로도 각 보안 기능의 상세 분석 없이도 보안 솔루션의 검증 기능을 쉽게 우회 할 수 있음을 실제 간편결제 애플리케이션들을 대상으로 한 실험을 통해 증명한다. 그리고 본 논문에서 제시한 우회 방법의 대응방안을 세 가지 시점으로 나누어 제시함으로써 국내 간편결제 서비스의 보안성을 향상시킬 수 있도록 기여한다.