• 수산경영론집
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• 제42권3호
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• pp.95-107
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• 2011

The Comprehensive Measures for a soft landing of Household Debts affecting the credit service of Fisheries Cooperative (FC) have been known to the public in June 2011. Its essential points are as follows: 1) Abolition of Tax-free Regulation, 2) Set limit of loans, etc. per person, 3) Introduce leverage regulations for credit-specialized financial sector i. e. FC, 4) Gradually strengthen loan-loss reserve requirements for card-loan and other credit loans. However, the Financial Policy Measures seem to pay no attention to the Cooperative's Values, Principles and Identity. In this paper, emphasis is be placed on the task of the regulators i. e. Financial Services Commission and Financial Supervice Service to lift the Financial Measures negatively affecting the operation of fund of FCs, and on the establishment of Cooperative identity in order to further develop FCs.

• 한국전자거래학회지
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• 제4권2호
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• pp.115-132
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• 1999

It is expected that the electronic money will be a major payment method in the forthcoming electronic finacial system. However, in order for the electronic money to have a widespread use among general public in their dialy life there are many properties that should be satisfied beforehand. In this study, we first analyze the characteristics of the existing electronic money systems, compare various proposals on the electronic money system so far, and then suggest a desirable model of developing an electronic money system for Korean financial institutions. It has been found that the model we propose satisfies the general requirements of the electronic money system. The results of this study will aid in various activities of technology development and standardization. Furthermore, this study will support the initiative effort of Korea in developing inter-country electronic money system.

• International Journal of Contents
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• 제8권1호
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• pp.30-38
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• 2012

Text extraction and binarization are the important pre-processing steps for text recognition. The performance of text binarization strongly related to the accuracy of recognition stage. In our proposed method, the first stage based on line detection and shape feature analysis applied to locate the position of a business card and detect the shape from the complex environment. In the second stage, several local regions contained the possible text components are separated based on the projection histogram. In each local region, the pixels grouped into several connected components based on the connected component labeling and projection histogram. Then, classify each connect component into text region and reject the non-text region based on the feature information analysis such as size of connected component and stroke width estimation.

• 적정기술학회지
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• 제7권2호
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• pp.172-187
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• 2021

In remote villages without access to modern IT technology, simple devices such as smartcards can be used to carry out business transactions. These devices typically store multiple business applications from multiple vendors. Although devices must prevent malicious or accidental security breaches among the applications, a secure communication channel between two applications from different vendors is often required. In this paper, first, we propose a method of establishing secure communication channels between applications in embedded operating systems that run on multi-applet smart cards. Second, we enforce the high assurance using an intransitive noninterference security policy. Thirdly, we formalize the method through the Z language and create the formal specification of the proposed secure system. Finally, we verify its correctness using Rushby's unwinding theorem.

• 한국정보처리학회:학술대회논문집
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• 한국정보처리학회 2008년도 춘계학술발표대회
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• pp.308-311
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• 2008

본 연구는 대기업을 중심으로 확산 되고 있는 BPM(Business Process Management) 분석하기 위해 BSC (Balanced Score Card)의 이론적 방법을 고찰하였으며, BPM에 대한 개요를 시작으로 BPM의 기대효과와 향후 시장동향에 대해서 발췌를 하였으며, P사의 구축방안과 추진과정에 필요한 System의 환경을 분석하였다. 대기업을 중심으로 BPM이 도입이되고 있지만 우수한 중소업체도 사장의 환경변화에 대응을 위해 도입하는 업체를 발굴하여 BPM 도입성과에 대해서 분석을 하였다.

• 산업공학
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• 제24권3호
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• pp.231-240
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• 2011

Manufacturing enterprises have been doing their best endeavors to obtain competitiveness using various methodologies, such as information technology. In order to achieve competitiveness, they are adopting manufacturing execution system (MES). MES is a total management system that manages from the beginning of the production by product order until the quality inspection of the finished product. And MES is an inter-mediator for supplementation of information gap between ERP and inspection machine and equipment. This paper describes on establishment of effective strategy based on BPR methodology and implementation of MES small and medium PCB manufacturing company with multiple-types of products and mixed process flows. And then we proposed evaluation model based on balanced score card (BSC) for considering non-finance elements as well as finance elements. With evaluation model, we analyzed benefits and effects of MES.

• 한국정보시스템학회지:정보시스템연구
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• 제26권4호
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• pp.137-161
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• 2017

Purpose In this study, the difficulties were analyzed with the field data from two domestic and interview with industry practitioners. And We presented initiatives with feasibilities to overcome the hurdle for progress of easy-payment. Design/methodology/approach We collected industry data from two domestic credit card companies and analyzed that data to prove 7 proposition in detail. Also We had interview data from industry practitioners who can understand the relationship between stakeholders. For this analysis, we used the causal loop diagram to find activation inhibition and activation elements about easy-payment. Findings The Fintech easy-payment industry has been organically involved in various partners such as customers, merchants, PGs, VANs, credit card issuers, banks, payment providers, terminal manufacturers, etc. and they have been competing against each other to hold leader position in the easy-payment market. Because of the reasons, the easy-payment does not spread out as much as it expects. In this study, the difficulties were analyzed with the field data and interview with industry practitioners and proposed five initiatives with feasibilities to overcome the hurdle for progress of easy-payment. This study helps to understand current situation and issues of Fintech and easy-payment for related research in future.

• 한국조리학회지
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• 제13권4호
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• pp.80-91
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• 2007

The purpose of the study is to investigate how customer reward programs that are provided strategically to develop customer favors are assessed by customers, if they affect customer loyalty and what effect using membership card(how many possess and use it) takes. The findings from the study can be summarized as follows. Firstly, customer loyalty showed high when shared value and convenient value are felt for preference and referring effect and when shared value and allied value were felt for revisit. Secondly, when the number of cards in possession was a lot, high customer loyalty existed. Thirdly, when the number of cards in use was a lot, the customer loyalty was high. The customer's awareness of values, e.g. economic, shared, use, convenience and allied values, put a very meaningful positive effect on loyalty, i.e. preference, referring effect and revisit. The more the number of food service provider's' membership cards in use and in possession was, the higher customer loyalty was. This implies that continued development of business partners and quality control are critical for various benefits and shared value of the customer reward pro-grams and service upgrade.

• Journal of the Korean Data and Information Science Society
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• 제26권5호
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• pp.1061-1069
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• 2015

최근 교통 분야에서 발생하는 교통 빅데이터 (교통카드 데이터, ATMS 데이터 등)의 분석결과를 교통 정책에 활용하는 사례가 늘어나고 있는 추세이다. 또한 교통 데이터 분석 기법을 기존의 단순 빈도 분석 기법에서 다양한 데이터 마이닝 기법으로 확장하여 교통 데이터 속에 숨어있는 의미를 파악하려는 연구도 진행되고 있다. 본 연구에서는 교통카드 데이터에 대하여 토픽모델링 기법 중의 하나인 LDA (Latent Dirichlet Allocation) 기법을 적용하여 청주시 버스 승객들의 이동패턴을 분석한다. 이를 위해 교통카드 데이터의 하차 결측치를 추정하고, LDA 기법을 적용하여 이동패턴을 추출하였다. 또한 LDA 분석으로 도출된 값을 측정값으로 하여 다차원적 분석을 함으로써 청주시 버스 승객들의 이동패턴 특징을 파악할 수 있다. 분석 결과, 청주시의 경우 크게 1) 시외지역에서 터미널을 이용해 청주시에서 유입되는 패턴, 2) 주거지역에서 상업지역으로 이동하는 패턴, 3) 청주 인근 학교에서 상업 지역 (청주 중심가)로 이동하는 패턴을 발견할 수 있었다. 이동패턴은 도시 계획, 대중교통서비스 향상, 버스 노선 신설 등 다양한 교통정책의 수립에 활용될 수 있을 것으로 기대된다.

• 한국통신학회논문지
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• 제29권12C호
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• pp.1692-1706
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• 2004

최근 정보통신기술의 급속한 발달로 무선인터넷을 이용한 전자상거래 사용자가 폭발적으로 증가하고 유선에서 유/무선 통합 환경으로 변화함에 따라 보안상의 많은 문제점이 제시되고 있다. 특히 무선전자상거래에서는 무선 환경의 제한적 특정에 따라 경랑화된 보안기술, 종단간 보안 기술 및 프라이버시 보안 등에 관한 연구가 활발하게 진행되고 있다. 현재 무선 전자상거래에서는 주로 신용카드기반의 지불 프로토콜인 WPP와 ASPeCT에서 제안한 인증과 지불초기화를 위한 AIP프로토콜을 사용하고 있다. WPP에서 사용하는 보안 프로토콜 WAP는 무선과 유선을 연계하는 G/W에서 전달되는 데이터의 모든 내용이 누출되는 보안상의 취약점이 있어 종단간 보안도 제공하지 못하는 단점이 있고, AlP 프로토콜은 인증서 체인을 이용하여 인증을 수행하므로 계산량이 많은 단점과 인증서에서 사용자의 신원이 노출되어 프라이버시 보호를 위한 익명성이 보장되지 않는 단점이 있다. 이 논문에서는 기존 AIP프로토콜을 기반으로 초특이 타원곡선인 Weil Pairing을 적용한 ID 기반 공개키 암호기법을 사용하여 거래정보의 기밀성을 보장하고 은닉전자서명 기법을 통한 인증서를 사용하여 프라이버시 보호, 공개키와 사용자 인증 및 부인방지를 해결했으며 또한 두 객체만 공유하는 세션키를 사용하여 종단간 보안이 제공되는 특정 무선 플fot폼에 독립적이며 안전하고 효율적인 지불 프로토콜을 제안하였다. 또한 제안한 프로토콜은 사용자와 서비스 제공자간의 온라인 인증기관이 지불 프로토콜의 인증과정에 참여함으로써 다른 도메인에 존재하는 서비스 제공자에게도 효율적이고 안전한 서비스를 받을 수 있도록 하였다.