• Proceedings of the CALSEC Conference
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• 2002.01a
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• pp.211-213
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• 2002

ㆍ Server Wallet ㆍ서버에 고객정보 및 결제정보 저장 ㆍ상용 단말기로 구성 가능 ㆍ정보의 노출로 보안 취약 ㆍ Embedded Wallet ㆍ단말기에 고객정보 및 결제정보 암호화 저장 ㆍ단말기 Upgrade 및 새로운 사양의 단말기 ㆍ Wallet Porting 및 변경에 따른 부담 ㆍ강화된 보안 ㆍ Download Wallet ㆍ필요에 따라 Wallet을 Download하여 단말기에 저장 사용 ㆍJAVA 기반의 단말기에서만 가능 ㆍWallet 유지보수 용이(중략)

• The Journal of Asian Finance, Economics and Business
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• v.7 no.9
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• pp.505-516
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• 2020

The purpose of the research is to identify antecedents of mobile wallet continuance intention in Vietnam. A self-administered questionnaire was distributed to collect data from a total of 276 respondents. Partial least squares structural equation modeling was employed for analyzing the data. Five mobile wallet features - mobile application quality, mobile wallet familiarity, situational normality, payment security, and feedback mechanism - are introduced as fundamental elements, which influence customer' continuance intention to use mobile wallet in Vietnam. The results indicate that mobile quality application and familiarity can significantly influence perceived ease-of-use (PEOU) and perceived usefulness (PU), but situational normality has an impact only on PEOU. PEOU and PU are positively related to satisfaction. On the other hand, payment security and feedback mechanism affect positively customer' trust. As a result, the positive effects that satisfaction and trust have on electronic wallet continuance intention are confirmed. The findings can be used to advise mobile wallet providers to improve their platform design and services to retain users. As a theoretical contribution, this study combines the Technology Acceptance Model, Unified Theory of Acceptance and Use of Technology to investigate the key determinants on continuance intention in the context of electronic wallet in Vietnam.

• Journal of Distribution Science
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• v.18 no.10
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• pp.89-99
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• 2020

Purpose: There has been a growing focus on E-wallet adoption especially in emerging markets as it offers a convenient method for users to conduct cashless transactions. This study examines antecedents influencing the decision of Generation Z to adopt E-wallet. It looks into the effect of determining factors including compatibility, perceived convenience, perceived trust, perceived reputation, perceived usefulness, perceived ease of use and social influence on users' intention to use. The moderator role of social influence is also under examination. Research design, data and methodology: The quantitative method has been adopted to collect data from 170 Generation Z users. SmartPLS 3.0 was applied to examine the constructed hypotheses. Results: The results indicate an indirect effect between Compatibility, Perceived Ease of Use, Perceived Trust and Social Influence toward intention to adopt Electronic wallet, or both of those factors are mediated by Perceived Convenience, Perceived Usefulness, and Reputation. Moreover, research finding highlights the role of Perceived Usefulness as Generation Z's intention determinant to use E-Wallet. Conclusions: This study is substantial as it selected the promising customer segment - Generation Z to examine the factors influencing their decision to adopt Electronic wallet. Marketers can navigate which dimensions should be included in marketing campaigns to encourage Generation Z's adoption.

• International Journal of Advanced Culture Technology
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• v.11 no.2
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• pp.125-131
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• 2023

OVO is a digital platform that provides simple payments and smart financial services, as well as one of the largest digital payment platforms in Indonesia. It has wide coverage and security when making payments, and supports multiple settlement currencies. The purpose of this study is to explore the history, business model, and future strategic direction of OVO, an Indonesian e-wallet. To date, OVO has built its own mobile payment ecosystem covering a wide range of consumer scenarios including e-commerce, travel, offline shopping and finance. And it supports mobile banking, online banking, debit cards or selected partner merchants. Its three largest transaction categories are in the transportation, retail and e-commerce sectors. With over 110 million consumers and 1.3 million merchant users, it is one of the dominant e-wallets in Indonesian market and has become the country's e-payment market leader. OVO eWallet's 'One Card' model offers convenience and choice for users, thus contributing to the rapid growth of OVO eWallet. And OVO eWallet competes fiercely with other competitors, but OVO eWallet continues to grow in terms of the number of users and market share. Finally, this study analyzes the strategic goals and plans of OVO eWallet, predicts its future direction. OVO eWallet has a huge success, but there are still competition and challenges to face.

• Journal of the Korea Society of Computer and Information
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• v.24 no.8
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• pp.59-66
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• 2019

As the monetary value of cryptocurrency increases, the security measures for cryptocurrency becomes more important. A limitation of the existing cryptocurrency exchanges is their vulnerability to threats of hacking due to their centralized manner of management. In order to overcome such limitation, blockchain technology is increasingly adopted. The blockchain technology enables decentralization and Peer-to-Peer(P2P) transactions, in which blocks of information are linked in chain topology, and each node participating in the blockchain shares a distributed ledger. In this paper, we propose and implement a mobile electronic wallet that can safely store, send and receive cryptocurrencies. The proposed mobile cryptocurrency wallet connects to the network only when the wallet actively is used. Wallet owner manages his or her private key offline, which is advantageous in terms of security. JavaScript based wallet apps were implemented to respectively run on Android and iOS mobile phones. I demonstrate the process of transferring Ethereum cryptocurrency from an account to another account through Ropsten, a test net for Ethereum. Hardware wallets, such as Ledger Nano S, provide a slightly higher level of security, yet have the disadvantages of added burden of carrying additional physical devices and high costs (about 80$).

• Proceedings of the Korea Society for Industrial Systems Conference
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• 2000.05a
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• pp.85-92
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• 2000

본 연구에서는 인터넷 쇼핑몰 패키지용 전자지불시스템에서 구매자가 인터넷상에서 안전한 지불을 하기 위해 사용하는 전자지갑인 CM-Wallet을 SET프로토콜기준에 따라 개발하였다. CM-Wallet은 RSA 1024bit, Triple DES 168bit 암호키 및 전자서명, 이중서명을 생성함으로서 메시지 보안도가 SET 기준을 만족하였다. 그리고, 복잡한 절차는 내부적으로 처리하여 구매자가 사용하기 쉽게 화면으로 보여지는 절차를 간소화하였으며, 전자지갑을 사용할 때 복잡한 절차에 대한 불편함을 해소하였다.

• The KIPS Transactions:PartC
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• v.9C no.5
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• pp.687-698
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• 2002

Together with the activation of wireless Internet, the interest for various integrated methods of the existing wired and wireless e-commerces is on the rise. For the integrated wired and wireless e-commerce, firstly, the optimized security and authentication under the radio communication environment should be decided. And also the user-friendly usage is important. In this paper, we designed and implemented wired and wireless interworking Mobile Wallet on terminal that can be used through both wired and wireless methods by developing electronic wallet module for electronic payment using MIDP (Mobile Information Device Profile) based on J2ME (Java 2 Micro Edition). The characteristics of mobile wallet implemented in this paper provide the stability through encoding/decoding payment information and on-line usage on wired/wireless environments through downloading electronic wallet. In addition, we also present safe and convenient payment method for e-commerce based on wired/wireless Internet.

• Asia pacific journal of information systems
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• v.28 no.4
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• pp.290-307
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• 2018

In this research, we study the impact of the factors that predict consumer loyalty of mobile payments and mobile wallets usage in Thailand. We developed a research model based upon previous findings where we propose and examine four constructs of personal innovativeness, consumer attitudes, consumer satisfaction and loyalty. In general, all of the hypotheses were supported by variables related to consumer loyalty with mobile wallet usage. Personal innovativeness analyzed due to its potential mediation effect on loyalty, both from attitudes and from satisfaction. It was found that personal innovativeness was a mediator construct in predicting consumer loyalty. The overall model provides value to the mobile payment and mobile wallet application providers in term of improving service efficiency and business strategies to secure Thai consumer loyalty.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.31 no.4
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• pp.637-659
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• 2021

Since the creation of the first Bitcoin blockchain in 2009, the number of cryptocurrency users has steadily increased. However, the number of hacking attacks targeting assets stored in these users' cryptocurrency wallets is also increasing. Therefore, we evaluate the security of the wallets currently on the market to ensure that they are safe. We first conduct threat modeling to identify threats to cryptocurrency wallets and identify the security requirements. Second, based on the derived security requirements, we utilize attack trees and Bayesian network analysis to quantitatively measure the risks inherent in each wallet and compare them. According to the results, the average total risk in software wallets is 1.22 times greater than that in hardware wallets. In the comparison of different hardware wallets, we found that the total risk inherent to the Trezor One wallet, which has a general-purpose MCU, is 1.11 times greater than that of the Ledger Nano S wallet, which has a secure element. However, use of a secure element in a cryptocurrency wallet has been shown to be less effective at reducing risks.

• The Journal of the Institute of Internet, Broadcasting and Communication
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• v.23 no.6
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• pp.21-26
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• 2023

Recently, cryptocurrencies such as Ethereum and Bitcoin, which are called digital assets, Cryptocurrency has completely different characteristics from real assets and must be handled carefully and safely. But The disadvantage of digital assets is that anyone who knows the private key of the wallet can easily steal the digital assets. If the seed card is lost, stolen, or exposed when used, you can use the wallet by recovering the private key using the seed card acquired by someone else. In this paper We aim to safely protect encrypted assets by using QR codes when providing mnemonic words needed to create seed cards.