• 디지털산업정보학회논문지
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• 제6권4호
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• pp.131-142
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• 2010

Due to the development of the Internet, Internet banking that we are liberated from time and space has evolved into banking system. So modern life became comfortable. However, Dysfunction (malicious Information leakage and hacking etc.) of the Internet development has become a serious social problem. According to this, The need for security is rapidly growing. In this paper, we proposed the Internet Banking Authentication System using a dual-channel in OTP(One Time Password) authentication. This technology is that A user transfer transaction information to Bank through one Internet channel then bank transfer transaction information to user using the registered mobile phone or smart phone. If user confirm transaction information then bank request user's OTP value. User create OTP value and transfer to bank and bank authenticate them throgth the ARS. If authentication is pass then transaction permitted. Security assessment that the proposed system, the security requirement that the confidentiality and integrity, authentication, repudiation of all of the features provide a key length is longer than the current Internet banking systems, such as using encryption, the security provided by the Financial Supervisory Service Level 1 rating can be applied to more than confirmed.

• The Journal of Asian Finance, Economics and Business
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• 제8권4호
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• pp.465-473
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• 2021

This research is motivated by the concept of online banking or Internet banking where consumers aren't required to visit a bank branch to complete most of their basic banking transactions. They can do all of this at their own convenience, wherever they want. This research aims to find out the role of e-satisfaction in mediating the influence of e-service quality on the e-loyalty of the customer of a private bank in Indonesia. The method of data collection in this research is by using probability sampling with the simple purposive sampling technique. Data that is collected from 205 respondents is the data that meet the criteria, which are the respondent needs to be a bank customer and must have an Internet banking account. The analysis method that is used is regression analysis through the SEM method with the aid of SmartPLS 3.0 software to test the significance of e-satisfaction role in mediating the relationship between e-service quality and e-loyalty. The research result shows that e-service quality has a significant positive influence on e-satisfaction; e-satisfaction has a significant positive influence on e-loyalty, e-service has a significant positive influence on e-loyalty, and e-satisfaction significantly mediate the influence of e-service quality towards e-loyalty.

• The Journal of Asian Finance, Economics and Business
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• 제9권5호
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• pp.75-86
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• 2022

The service industry has been acknowledged as a critical part of mobile banking services in recent years. This study examines the impact of e-service quality and loyalty on the intention to use and use behavior of mobile banking services in Mongolia, a Central Asian country. As a result, based on past research, a conceptual model was suggested. This study comprises 209 completed questionnaires from young Mongolians who own a bank account and a smartphone. The data was collected based on convenience sampling, and it was analyzed with SmartPLS software using a partial least squares-structural equation modeling (PLS-SEM) technique. The findings indicate that system quality, interface design, and security assurance have a significant positive impact on service quality; service quality has a positive impact on loyalty. Moreover, the results reveal that service quality and loyalty have a significant influence on the intention to use mobile banking services. The findings of this study suggest that local or international banks and financial institutions in Mongolia should consider system quality, interface design, and security concerns as key successors to building perceived security quality to retain current mobile banking users and attract new customers.

• 한국정보과학회:학술대회논문집
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• 한국정보과학회 2004년도 가을 학술발표논문집 Vol.31 No.2 (2)
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• pp.547-549
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• 2004

금융과 통신의 컨버전스 영역서 탄생된 금융칩 기반 모바일뱅킹 서비스 구현 과정에서 나타난 표준화에 대한 이슈에 대해 알아보고, 그 중에서도 금융칩 표준화에 초점을 맞추었다. 금융칩 설계목적, 규격 및 파일구조 등에 대해 연구하고 현재 국내은행 중 방식 A와 방식 B를 채택한 은행간의 차이점 및 문제점, 장단점 분석 및 금융칩에 탑재하는 신용카드 방식에 대한 표준화에 대해 연구하였다.

• 한국정보시스템학회지:정보시스템연구
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• 제27권3호
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• pp.81-102
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• 2018

Purpose The purpose of this study is to investigate the reason why smartphone users do not use mobile banking based on Status Quo Bias and to find out whether there is a difference between passive resistance and active resistance. Design/methodology/approach This study made a design of the research model based on Status Quo Bias. SPSS 23.0 and SmartPLS 2.0 were used for the analysis. Multiple group analysis was performed to identify differences between groups. Findings According to the empirical analysis result, this study confirmed that inertia and perceived risk affected smartphone users who do not use mobile banking. According to the type of resistance, the active resistance group(64.2%) was more than the passive resistance group(35.8%), and it was confirmed that there was a difference in the reasons for not using mobile banking between passive and active resistance group. That is, the greatest difference between passive and active resistance groups was found to be perceived risk, which is an assessment of risk.

• 디지털융복합연구
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• 제14권11호
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• pp.501-505
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• 2016

최근 들어, 스마트 단말에서 지불, 인터넷 뱅킹 등 금융업무와 관련된 중요한 정보들을 다루는 경우가 많아졌다. 또한 스마트 단말의 실행환경이 공개 소프트웨어 환경 위주로 발전하면서, 사용자들이 임의의 응용소프트웨어를 다운받아 사용하는 것이 용이하게 됨에 따라, 스마트 단말이 보안적 측면에서 취약하게 되었다. 본 논문에서는 하드웨어 기반의 스마트 단말 보안 기술의 특징을 알아본다. 또한, 본 논문에서는 스마트 단말 에서 실행되는 응용프로그램을 위한 MTM 하드웨어기반의 안전한 스마트 단말 실행환경에 대한 구현방법을 제안한다. 기존의 MTM 이 모바일 장치에 대한 신뢰의 근원 기능만을 제공한 반면, 본 논문에서 제시하는 MTM 기반 모바일 보안 환경은 모바일 장치에서 실행되는 응용프로그램이 필요로 하는 다양한 보안 기능을 제공할 수 있다. 향후, 보안 하드웨어와 연동이 가능한 IoT 기기와 게이트웨이 보안 기술, 그리고 보안 하드웨어를 활용하여 다양한 IoT 기기에 적용하여 신뢰성과 보안성을 확보하는 방안에 대한 연구를 진행할 예정이다.

• 한국전자거래학회:학술대회논문집
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• 한국전자거래학회 2002년도 e-Biz World Conference
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• pp.214-220
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• 2002

안전한 지불 : M-Payment, M-Cash, M-Banking... 안전한 통신 : TLS, WTLS, ... 인증기술 : Wireless PKI, Smart Card, ... 암호화 기술 : 관용 암호 알고리즘, 공개키 알고리즘, 해쉬 함수 무선인터넷 기술 : WAP, HTTP, ...(중략)

• International Journal of Computer Science & Network Security
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• 제21권7호
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• pp.1-7
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• 2021

An amazing growth in the field of Internet of Things (IoT) and Blockchain based smart cities from both industry and academia has been witnessed in the recent years. There are many smart applications such as intelligent transportation, smart banking, improving the life style of citizen, energy consumption and managing the waste in the city, handling home needs are supporting the Smart city concept. These applications are profoundly supported by the advanced technologies like Blockchain as well as IoT in the recent past. Smart cities can be supported by the Blockchain core concepts such as secure, transparent, decentralized and immutable nature. Still, Blockchain and IoT technologies implementation in smart cities are in their early stages and significant research efforts are desirable to integrate them. This review article explores the roles and responsibilities of Blockchain and IoT in building smart cities.

• International Journal of Internet, Broadcasting and Communication
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• 제9권2호
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• pp.48-57
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• 2017

In the last few years, banks have experienced more challenging market than any other times. They need to find new ways to reconnect with their customers and rebuild their trust. But in the race to the future some banks are taking clear lead. Research works show that while high perform leading banks are different, they also share some common characteristics and principles that have allowed them to move ahead to profitable growth. Cost cutting is no longer enough to succeed in tomorrow's world. Instead, the IT function needs to work shoulder-to-shoulder with the business to support the growth agenda. Therefore "C" level's attention is moving from cost reduction towards customer experience, speeding to market for new offerings, analytics and distribution channel enhancements, taking advantage of several levers that will shape the technology agenda for the high performing organization. Next generation of digital core-banking solutions will improve pre-existing capabilities, introduce new innovations and drive qualities such as flexibility and scalability to support time to market.

• International Journal of Internet, Broadcasting and Communication
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• 제8권2호
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• pp.38-42
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• 2016

In this paper, we propose 3-factor mobile banking authentication scheme applied to face recognition techniques with existing certificate and OTP. An image of the user's face is captured by smart phone camera and its brightness processing of the contour of a face and background by n of X and Y points. Then, distance between the point of eyes, nose and mouth from captured user's face are compared with stored facial features. When the compared results corresponding to the data that stored in a face recognition DB, the user is authenticated.