• KSII Transactions on Internet and Information Systems (TIIS)
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• v.9 no.3
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• pp.1231-1245
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• 2015

People have transferred their business model from traditional commerce to e-commerce in recent decades. Both shopping and payment can be completed through the Internet and bring convenience to consumers and business opportunities to industry. These trade techniques are mostly set up based on the Secure Sockets Layer (SSL). SSL provides the security for transaction information and is easy to set up, which makes it is widely accepted by individuals. Although attackers cannot obtain the real content even when the transferred information is intercepted, still there is risk for online trade. For example, it is impossible to prevent credit card information from being stolen by virtual merchant. Therefore, we propose a new mechanism to solve such security problem. We make use of the disposable dynamic security code (DSC) to replace traditional card security code. So even attackers get DSC for that round of transaction, they cannot use it for the next time. Besides, we apply visual secret sharing techniques to transfer the DSC, so that interceptors cannot retrieve the real DSC even for one round of trade. This way, we can improve security of credit card transaction and reliability of online business. The experiments results validate the applicability and efficiency of the proposed mechanism.

• International journal of advanced smart convergence
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• v.11 no.4
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• pp.170-176
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• 2022

Given the critical importance of enhancing the level of ESG practices, the current research examines the impact of credit card users' pro-environmental characteristics (i.e., environmental self-accountability, eco-label involvement) on their satisfaction with credit card benefits related to green life. That is, this research investigates whether consumers' satisfaction with green credit card benefits varies depending on their environmental self-accountability and eco-label involvement. Specifically, we predict that (1) for consumers with high (vs. low) environmental self-accountability, their satisfaction with credit card benefits related to green life will be higher (hypothesis 1); and (2) when consumers have high (vs. low) eco-label involvement, they will be more likely to be satisfied with credit card benefits related to green life (hypothesis 2). An online survey (N = 293) was conducted to test the two hypotheses. In support of the hypotheses, the results indicate that (1) respondents who had high (vs. low) environmental self-accountability were more satisfied with credit card benefits related to green life, and (2) respondents with high eco-label involvement, as compared to those with low eco-label involvement, reported greater satisfaction with credit card benefits related to green life. We suggest an important insight into how credit card companies approaching ESG issues can increase their consumers' satisfaction with green credit card benefits, considering consumers' individual characteristics such as environmental self-accountability and eco-label involvement.

• Journal of Korean Society of Industrial and Systems Engineering
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• v.40 no.4
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• pp.154-163
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• 2017

Collaborative filtering, one of the most widely used techniques to build recommender systems, is based on the idea that users with similar preferences can help one another find useful items. Credit card user behavior analytics show that most customers hold three or less credit cards without duplicates. This behavior is one of the most influential factors to data sparsity. The 'cold-start' problem caused by data sparsity prevents recommender system from providing recommendation properly in the personalized credit card recommendation scenario. We propose a personalized credit card recommender system to address the cold-start problem, using multiple user profiles. The proposed system consists of a training process and an application process using five user profiles. In the training process, the five user profiles are transformed to five user networks based on the cosine similarity, and an integrated user network is derived by weighted sum of each user network. The application process selects k-nearest neighbors (users) from the integrated user network derived in the training process, and recommends three of the most frequently used credit card by the k-nearest neighbors. In order to demonstrate the performance of the proposed system, we conducted experiments with real credit card user data and calculated the F1 Values. The F1 value of the proposed system was compared with that of the existing recommendation techniques. The results show that the proposed system provides better recommendation than the existing techniques. This paper not only contributes to solving the cold start problem that may occur in the personalized credit card recommendation scenario, but also is expected for financial companies to improve customer satisfactions and increase corporate profits by providing recommendation properly.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.18 no.3
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• pp.562-568
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• 2014

With the development of computer technology, augmented reality (Augmented Reality, AR) technology in the future, one of the main directions of development of human interface technology is emerging. On augmented reality based on the design and implementation of a digital business card system. In this paper, a Smartphone is simply information through recognizable digital business card contains information about the system. Digital business card system is compared to the way existing hardware in a way visually-based high precision. In addition, registered as a 3D computer vision of augmented reality technology skills and real-world situations convergence technology for research. Future research, 3D electronic map for Smartphone apps as of the application user interface on the side for research is needed.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.18 no.2
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• pp.318-328
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• 2014

In this paper, as a way of performance improvement of business card recognition in the mobile environment, we suggested a hybrid OCR agent which combines data using a parallel processing sequence between various algorithms and different kinds of business card recognition engines which have learning data. We also suggested an Image Processing Method on mobile cameras which adapts to the changes of the lighting, exposing axis and the backgrounds of the cards which occur depending on the photographic conditions. In case a hybrid OCR agent is composed by the method suggested above, the average recognition rate of Korean business cards has improved from 90.69% to 95.5% compared to the cases where a single engine is used. By using the Image Processing Method, the image capacity has decreased to the average of 50%, and the recognition has improved from 83% to 92.48% showing 9.4% improvement.

• Korean System Dynamics Review
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• v.17 no.1
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• pp.77-105
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• 2016

Whenever Information leak case had been happened, even though IT Infra systems were reinforced, those cases of kind were not decreased. It meant that the causes are not only the fault of IT, but also other things. So that the information leak cases should have been studied by the interdisciplinary way. There was a point of view for the Business Ethics which needed to be studied in the interdisciplinary way. Financial Information Leak Case of three representative Card Companies in Korea which is happened in 2014 was a case which was composed by many problems. These were bad circumstances, half-educated, lower salary, and the most of all, the C-Levels' ignorance of the law. By studying the CLD: Causal Loop Diagram of Business Ethics and those mentioned factors, few meanings were discovered. Firstly, this case was not a accident, but a predeterminate issue at all, because of the structural unethical corruption. Secondly, main reason of this case was not only criminals who leaked information, but also managers, especially CEO who didn't obey the law, forced that to employees. Thirdly, although those companies had moral guide and did CSR activities, it was not help to protect this information leak case. This study shows that the important thing was not the action for showing, but effective action to management for sustainability.

• Journal of the Korea Society of Computer and Information
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• v.12 no.6
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• pp.201-206
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• 2007

Development of Information and Communication technology coming to activity of internet banking and electronic business, and smart card of medium is generalized prevailing for user authentication of electronic signature certificate management center with cyber cash, traffic card, exit and entrance card. In field that using public network, security of smart cart and privacy of card possessor's is very important. Point of smart card security is use safety for smart card by user authentication. Anonymous establishment for privacy protection and denial of service attack for availability is need to provision. In this paper, after analyze for Hwang-Li, Sun's, L-H-Y scheme, password identify element is a change of safety using one time password hash function. We proposed an efficient new smart card authentication protocol against anonymity and denial of service.

• Journal of Digital Contents Society
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• v.4 no.1
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• pp.1-10
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• 2003

This research focuses on the system design of a service method for a customized electronic card on the internet. It develops the system which covers from the input stage of the credit information including a credit card number, a debit card number, and a bank account number, through the process of decision for issuing the customized electronic card and for the payment of business transaction, to the payment stage. Users are allowed to make their own customized card depending on their situations by choosing a limit of balance, a number of usage, expiration date, recharge, and, anonymity of electronic card on the internet. These characteristics enhances convenience and security of card users. In addition, user's financial damage can be minimized when a credit card is lost by any reason.

• Asia Marketing Journal
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• v.14 no.3
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• pp.153-167
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• 2012

KB Kookmin Card has separated as an independent corporation from KB Kookmin Bank Credit Card Business Group on March, 2011. Ever since, KB Kookmin Card worked to build its own brand identity. The strategic preparation and conscientious implementations made KB Kookmin Card position in consumer's mind with a strong and unique brand image. Its new brand image was rooted in the inherited strengths of reliable and sincere image. However, it faced the challenge to compete in credit card industry in which most competitors had an advanced and sophisticated image. The strengths of KB Kookmin Card were also at the same time their limitations. KB Kookmin Card took a strategy that strengthened the strengths and improved the weaknesses. It focused on the core competence of being a people's sincere life supporter that helps people make savings from everyday events to make a good sum rather than being a lump sum benefit. The brand introduction strategy was implemented in 2011. The implementation focused on the activities that made internal as well as external customers be aware of the brand. Communication programs using a variety of media were executed to attain this goal. In 2012, second phase communication programs were introduced to elaborate the newly established brand image. It introduced many extended products as well as accessory programs which targeted the segments. Also, various CSR activities in many social domains helped consumers and the public to consider KB Kookmin Card an authentic, caring, trustworthy, and consistently-developing supporter in their everyday lives.

• The Journal of Society for e-Business Studies
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• v.2 no.1
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• pp.79-94
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• 1997

Commerce activities which are free form space and time constraint using a communication network are called Electronic Commerce(EC). Because of sending a commercial information using open network such as Internet in EC, they need the security of commerce information (payment information and purchase information), checking the integrity of transferring data and certifying all parts participated in commerce for a secure commerce. Recently Visa and MasterCard Co. released the Secure Electronic Transaction (SET) Protocol for secure payment card transaction on Internet. This paper proposes a Secure Electronic Commerce Transaction Model(SECTM) using SET in order to support the secure commerce on Internet. The proposed transaction model prevents merchant from abusing the cardholder's payment information (credit-card number etc.) and enables cardholder to shop securely in Electronic Shopping Mall.