• Journal of the Korea Institute of Information and Communication Engineering
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• v.22 no.6
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• pp.881-887
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• 2018

Various services using smart phones are being provided, and a variety of services are also provided in payment fields. Since the mobile payment services is closely related to the monetary part, various characteristics of the mobile system have a close relation with use trust. In this study, accessibility, compatibility, and security were selected as important factors in the mobile payment systems. We will examine how these system factors affect users' cognitive trust, emotional responses such as positive emotions and satisfaction. We surveyed users of mobile payment systems to achieve our research purposes. SPSS 23 and SmartPLS 2.0 were used for the analysis. The results showed that all system factors influenced cognitive trust and emotional response. However, positive emotions did not affect satisfaction. However, when we examine the relationship between emotional responses, positive emotions do not affect satisfaction.

• The Korean Journal of Health Service Management
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• v.6 no.4
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• pp.143-152
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• 2012

This study analyzes Korea health panel data (2008) (beta version 1.2) of Korea Institute for Health and Social Affairs, and National Health Insurance Corporation to figure out determinants of healthcare expenditure. In result of Multiple Logistic Analysis, in-patents felt burden on the medical expenditure were 70.0%. As to the patients' payment of medical expenditure, patients over 65 years old had 4.765 times higher than those under 14 years, disabled patients 2.778 than non-disabled patients, chronic patients 1.632 times than non-chronic patients, patients belonging to 12 million won ~ 46 million won and under 12 million won in family income had 1.680 times and 2.168 times respectively than patients with over 46 million won, patients in professional recuperation facility 1.546 times than patients in hospital, patients in private medical institutions 1.700 times than patients in national and public medical institutions, patients using upper grade rooms 1.701 times than patients in non-upper grade rooms. As a health care safety net mechanism to protect people from medical expenditure burden, there is the patients' payment ceiling in the National Health Insurance System. Thus, in order to facilitate the patient's payment ceiling, it is required that the level of ceiling is to be specified according to the income level, and self-payment items is to be included.

• 한국HCI학회:학술대회논문집
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• 2009.02a
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• pp.315-318
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• 2009

A payment system is required to buy various services and micropayment system is demanded for minimizing a frequent payment transaction cost in ubiquitous environment. It is not guarantee that devices are always online and payment system is required a robustness when some of them is offline. To solve this situation other systems use a centralized broker but the problem with most existing micropayment system is the heavy load on the broker. In this paper present a payment system a DHT based Peer-to-Peer micropayment system for ubiquitous environment can use even if payments need not be online and reduce broker's load.

• The Journal of the Korea institute of electronic communication sciences
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• v.12 no.2
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• pp.401-410
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• 2017

This study aimed to identify appropriateness and efficiency in the DRG payment system by analysing the hospital length of stay and changes in fees before and after the application of DRG payment system. The subjects of the study were a total of 398 patients consisting of 204 for the fee for service system and 194 for the DRG payment system. They received surgery in the Obstetrics and Gynecology (OBGY) department of a general hospital in G metropolitan city between January and December 2013. The mean hospital length of stay was significantly decreased after application of the DRG payment system(p=0.013). Total fees, insurance charges, and deductions increased significantly(p<0.001), and non-payment charges and total deductions decreased significantly(p<0.001). Application of the DRG payment system reduced length of stay, non-payment charges and total patient's cost sharing and increased out-of-pocket, insurance charges, and total fees.

• Journal of Advanced Navigation Technology
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• v.11 no.3
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• pp.337-342
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• 2007

This paper proposes Electronic Credit Card(EMV) processing procedures for a credit payment method which can be applied to Korean ETCS(Electrical Toll Collection System). In Korea, Korea Highway Corporation services contactless ETCS's called by Hi-Pass and Touch-Pass system at present. These systems operate on a pre-paid payment method similar to electronic money. On the other side, a credit payment method based on credit card has an advantage which does not require pre-paid. The introduction of credit payment method to ETCS is in preparation. In this paper, we propose EMV processing methods based on a credit payment method which can be applied on ETCS.

• Health Policy and Management
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• v.17 no.1
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• pp.1-27
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• 2007

This study is designed to estimate an appropriate level of patient's cost-sharing for oriental medical services in the Korean National Health Insurance. The findings of this study can be summarized as follows: 1) The current co-payment system for oriental medical services does not reflect its cost structure in clinical practice due to inconsistency of cost-sharing plan in the NHI. 2) Both oriental medical institutions and their patients, as a result, are at a relative disadvantage in financial burden, compared with other services. 3) The substantial proportion of patients' cost-sharing depends on the amount of co-payment and the range of medical cost that a flat rate is applied to. 4) The extension of the range doesn't make any substantial decrease in patient's cost-sharing. 5) The fixed amount of co-payment is more sensitive than a range to total variations of patient's cost-sharing. Based on the above, the budget impacts of a new co-payment system were estimated for each co-insurance rate, according to given scenarios. The results range from -59 billion Won (-8.5%) to 16 billion Won(2.3%).

• ETRI Journal
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• v.39 no.1
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• pp.135-144
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• 2017

Recently, mobile phones have been recognized as the most convenient type of mobile payment device. However, they have some security problems; therefore, mobile devices cannot be used for unauthorized transactions using anonymous data by unauthenticated users in a cloud environment. This paper suggests a mobile payment system that uses a certificate mode in which a user receives a paperless receipt of a product purchase in a cloud environment. To address mobile payment system security, we propose the transaction certificate mode (TCM), which supports mutual authentication and key management for transaction parties. TCM provides a software token, the transaction certificate token (TCT), which interacts with a cloud self-proxy server (CSPS). The CSPS shares key management with the TCT and provides simple data authentication without complex encryption. The proposed self-creating protocol supports TCM, which can interactively communicate with the transaction parties without accessing a user's personal information. Therefore, the system can support verification for anonymous data and transaction parties and provides user-based mobile payments with a paperless receipt.

• Information Systems Review
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• v.8 no.3
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• pp.65-80
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• 2006

This paper proposes a new infrastructure that supports divisible card payment where a combination of multiple credit cards can be used for a single purchase. The divisible card payment infrastructure modifies the existing payment system in two ways. First, the V-Card Manager(VCM) is added to the merchant side to handle the divisible card approval process from respective credit-card issuers. Second, the V-Card Agent(VA) is added to the customer side and generates a customized divisible card, called V-Card, based on the customer's preferences. This paper provides a customizing card payment method that supports divisible payments based on profits and preferences of customers.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.8 no.7
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• pp.1537-1545
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• 2004

As the Internet continues to transform the commerce, the method of payment is one of critical components to conduct successful business across the internet. An electronic cash has all characteristics of traditional commodity cash and ensures security for all transactions. Accordingly an internet billing system based electronic cash is expected as the secure and efficient payment method in future electronic commerce. Digital Contents such as digital goods and services have the special characteristic that both the delivery of the goods and the transfer of money ran be accomplished on the same network. This allows the optimizations in the design of an electronic commerce system. In this paper, we propose an electronic payment protocol which is especially designed to purchase digital contents through internet. The proposed protocol guarantees anonymity by using a virtual ID, and minimizes payment processing steps.

• The Journal of Asian Finance, Economics and Business
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• v.8 no.2
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• pp.329-338
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• 2021

The mobile payment system has not only changed the payment pattern but also has improved the performance of small and medium-sized enterprises (SMEs) and individuals' quality of life by saving their energy, reducing the risk of taking cash, and enabling them to give more time to businesses and do international business. Besides, with the current advancement in the Internet as well as the digital transformation, SMEs are being forced to adopt mobile payment systems (MPS). The purpose of this study is to investigate the effects of technological-organizational-environmental (TOE) determinants on the adoption of MPS and its impact on SMEs' firm performance operating in Ghana. This research employed a closed-ended questionnaire to collect data from January 2020 - April 2020. This study used a structural equation modeling (SEM) approach using SmartPLS 3.0 for path analysis of 145 responses. The findings of the study include the statistically significant effects of technological (relative advantage and compatibility), organizational (top management support and employees' readiness), and environmental (social influence and competitive pressure) factors on the adoption of MPS. Furthermore, this study also proved the positive and statistically significant effect of MPS on SMEs' performance. This study demonstrated that the TOE factor explains 70% variations in the adoption of MPS.