• 한국벤처창업학회:학술대회논문집
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• 2020.11a
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• pp.127-130
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• 2020

금융시장 환경이 점차 변화하고 있다. 흔히 지점이라 불리는 오프라인 환경에서 애플리케이션을 이용하거나 웹페이지를 이용하는 온라인 비대면 환경으로 이동함에 따라 기존의 정형 정보를 중심으로 한 소비자 행동 예측 방법보다 더 나은 방법을 모색하기 이르렀다. 이에 따라 주관적 비정형 정보의 중요하게 된 것이다. 본 연구는 비대면 대출시장에서 주관적 비정형 정보의 하나인 SNS 프로필 사진과 대출상환에 영향을 미치는 변인을 파악하는 것을 목표로 한다. SNS 프로필 사진은 자신의 감정이나 상태를 표현하는 도구로 떠오르고 있으며, 이러한 차입자의 SNS 프로필사진을 분석함으로써 정보비대칭의 최소화로, 대출심사를 위한 신용평가에 유의적 요소들을 규명하는데 목적이 있다. 본 연구에서는 대출자들이 차입자에 대한 평가의 중요 고려 요소들을 규명하고 탐색하는데 초점을 맞춰 SNS 대안 신용평가만을 심사기준으로 이용한 대출인 텐스페이스의 AI LOAN 대출자중에서 2020년 2월부터 2020년 2월까지 대출자료를 확보할 예정이다. 이러한 자료 중에서 2020년 12월 30일을 기준으로 상환기일이 도래한 대출상환 자료 중 SNS사진을 순서형 로짓회귀모형을 이용해 분석하고자 한다.

• Proceedings of the Korean Institute of Information and Commucation Sciences Conference
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• 2022.10a
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• pp.354-356
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• 2022

Profiles are the most basic means of representing who you are, and you represent yourself. In SNS and chatting apps that use profiles the most, profiles are used to express their experiences, moods, and thoughts. However, in voice phishing, impersonation crimes, etc., they steal and impersonate a photo such as a profile, and then deceive the victim into committing a crime. In this paper, to prevent the crime of impersonation, the authenticity of the original is determined using NFT that can distinguish the original. Minting the original profile picture with NFT, registering it on the blockchain network, and storing the original file in off-chain IPFS. This is expected to be effective in preventing impersonation crimes because it is possible to easily determine the authenticity of the profile picture.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.18 no.5
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• pp.77-90
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• 2023

This study aims to investigate the potential of alternative credit assessment through Social Networking Sites (SNS) as a complementary tool to conventional loan review processes. It seeks to discern the impact of SNS usage characteristics and loan product attributes on credit loan repayment. To achieve this objective, we conducted a binomial logistic regression analysis examining the influence of SNS usage patterns, loan characteristics, and personal attributes on credit loan conditions, utilizing data from Company A's credit loan program, which integrates SNS data into its actual loan review processes. Our findings reveal several noteworthy insights. Firstly, with respect to profile photos that reflect users' personalities and individual characteristics, individuals who choose to upload photos directly connected to their personal lives, such as images of themselves, their private circles (e.g., family and friends), and photos depicting social activities like hobbies, which tend to be favored by individuals with extroverted tendencies, as well as character and humor-themed photos, which are typically favored by individuals with conscientious traits, demonstrate a higher propensity for diligently repaying credit loans. Conversely, the utilization of photos like landscapes or images concealing one's identity did not exhibit a statistically significant causal relationship with loan repayment. Furthermore, a positive correlation was observed between the extent of SNS usage and the likelihood of loan repayment. However, the level of SNS interaction did not exert a significant effect on the probability of loan repayment. This observation may be attributed to the passive nature of the interaction variable, which primarily involves expressing sympathy for other users' comments rather than generating original content. The study also unveiled the statistical significance of loan duration and the number of loans, representing key characteristics of loan portfolios, in influencing credit loan repayment. This underscores the importance of considering loan duration and the quantity of loans as crucial determinants in the design of microcredit products. Among the personal characteristic variables examined, only gender emerged as a significant factor. This implies that the loan program scrutinized in this analysis does not exhibit substantial discrimination based on age and credit scores, as its customer base predominantly consists of individuals in their twenties and thirties with low credit scores, who encounter challenges in securing loans from traditional financial institutions. This research stands out from prior studies by empirically exploring the relationship between SNS usage and credit loan repayment while incorporating variables not typically addressed in existing credit rating research, such as profile pictures. It underscores the significance of harnessing subjective, unstructured information from SNS for loan screening, offering the potential to mitigate the financial disadvantages faced by borrowers with low credit scores or those ensnared in short-term liquidity constraints due to limited credit history a group often referred to as "thin filers." By utilizing such information, these individuals can potentially reduce their credit costs, whereas they are supposed to accrue a more substantial financial history through credit transactions under conventional credit assessment system.

• Proceedings of the Korean Information Science Society Conference
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• 2012.06d
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• pp.24-26
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• 2012

오늘날 전 세계적으로 스마트폰 사용자가 증가하면서 SNS(Social Network Service)를 활용한 어플리케이션의 이용이 더욱 보편화 되고 있는 추세이다. 이에 따라 모바일 환경의 SNS 어플리케이션에 맞는 사용자 인터페이스에 대한 수요 역시 증가하고 있다. 따라서 본 논문에서는 SNS 어플리케이션에 적용할 수 있는 사용자에게 더 높은 몰입감과 편의성을 제공하기 위한 직관적인 3D 사용자 인터페이스를 제안한다. 제안하는 시스템은 Facebook Open API를 기반으로 소셜 네트워크 구성원의 프로필 사진을 3D 방식으로 배치하는 인터페이스 기법과 효과를 구현하며, 이를 통해 사용자의 SNS 어플리케이션 사용성을 제고한다.

• Proceedings of the Korea Information Processing Society Conference
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• 2012.04a
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• pp.800-803
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• 2012

최근 전 세계적으로 소셜 네트워크 서비스는 놀라운 속도로 발전하고 있으며 특히 스마트폰과 태블릿PC 같은 스마트 기기 사용자가 급격하게 늘어나면서 언제 어디서든지 쉽게 접속하여 사용 할 수 있다. 소셜 네트워크 서비스는 온라인을 통해 인맥을 구축 하는 서비스로 현실의 인맥을 온라인에서 관리하고 서로에게 친구를 소개하여 관계를 형성 한다. 소셜 네트워크 서비스에서 관계를 형성하기 위해서는 다양한 프로필 정보 공개를 통해 다른 사용자들과 관계를 형성 때문에 노출된 개인 프로필 정보는 프라이버시 침해 할 우려가 매우 높다. 또한 위치정보를 자동으로 인식하는 기능이 있어 올리는 사진과 글들의 위치 정보가 노출 되어 있다. 본 논문에서는 현재 서비스 되고 있는 소셜 네트워크 서비스들의 프라이버시 침해에 대해 살펴보고 개인 프로필 정보의 유출을 방지 위한 소셜 네트워크 환경에서의 프라이버시 관리 시스템을 제안 하고자 한다.

• Journal of the Institute of Electronics Engineers of Korea CI
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• v.47 no.3
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• pp.11-21
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• 2010

To aim at improving performance and reflecting user's needs of retrieval, the number of researches has been actively conducted in recent year as the quantity of information and generation of the web pages exceedingly increase. One of alternative approaches can be a tagging system. It makes users be able to provide a representation of metadata including writings, pictures, and movies etc. called tag and be convenient in use of retrieval of internet resources. Tags similar to keywords play a critical role in maintaining target pages. However, they still needs time consuming labors to annotate tags, which sometimes are found to be a hinderance caused by overuse of tagging. In this paper, we present an automatic tagging scheme for a solution of current tagging system conveying drawbacks and inconveniences. To realize the approach, face recognition-based tagging system on SNS is proposed by building a face area detection procedure, linear-based classification and boosting algorithm. The proposed novel approach of tagging service can increase possibilities that utilized SNS more efficiently. Experimental results and performance analysis are shown as well.

• The Journal of the Convergence on Culture Technology
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• v.9 no.6
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• pp.339-345
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• 2023

Design exists behind technology. Design is intertwined with the needs of daily life and market structures, and while dealing with technology, it can become insensitive to its meaning. Unlike other social media platforms, Instagram consists of image-based content. The purpose of this study is to examine the addictive design of Instagram. Furthermore, we discuss the ethical responsibilities that designers must have. A theoretical framework for understanding Instagram design is established through a review of major domestic and international literature that has been previously studied. Understand the history, structure, and functions of Instagram and identify Instagram designs that promote social media addiction. In this study, we introduced the mechanism by which Instagram promotes user addiction through design issues. (1) Pull-to-Refresh (2) Red color in push alarm (3) Profile photo border expression in Instagram Story. This design stimulates users' social desires and FOMO, forming the structure of obsessive Instagram usage habits. Instagram is an example that forces us to reconsider the ethical role of design and designers along with the advancement of technology. In today's world, the intrinsic value of what they create, including our society and life itself.