• 대한전기학회:학술대회논문집
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• 대한전기학회 2005년도 학술대회 논문집 정보 및 제어부문
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• pp.295-297
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• 2005

As multi-application smart cards have become very attractive mobile devices, card users are able to add and to remove card-applets after card issuance. However, because of constrained memory on a smart card, it is necessary to manage card-resident applets. In this paper, we propose an adaptive applet management algorithm in order to recommend card-resident applets which can be removed. This algorithm's goal is to select card-resident applets in a way minimizes the number of applet downloads. To serve this purpose, our algorithm identifies the applets that are most likely to be executed again, and based on that, decides which should be kept in the memorY and which can be discarded.

• 품질경영학회지
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• 제46권1호
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• pp.95-112
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• 2018

Purpose: To find out the appropriate probability distribution of credit card usage behavior by considering the relationship among income, expenditure and credit card usage amount. Such relationship is enabled by Korea's especially high penetration of credit card. Method: Goodness-of-fit test and effect size statistic W were used to identify the distribution of income and credit card usage amount. A simulation model is introduced to generate the credit card transactions on individual user level. Result: The three data sets for testing had either passed the chi-square test or showed low W values, meaning they follow the exponential distribution. And the exponential distribution turned out to fit the data sets well. The r values were very high. Conclusion: The credit card usage behavior, denoted as the counts of users by usage amount band, follows the exponential distribution. This distribution is easy to manipulate, has a variety of applications and generates important business implications.

• 정보관리연구
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• 제25권3호
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• pp.1-27
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• 1994

HyperCard는 하이퍼텍스트의 개념을 이용하여 데이터베이스 운영 프로그램이나 하이퍼미디어를 이용한 교육매체로서의 역할 뿐 아니라, 교육용 소프트웨어를 개발할 수 있는 환경을 마련해 준다. 본 논문에서는 HyperCard의 개념, 특성에 대해 살펴보고 HyperCard 프로그램을 도서관 이용자교육에 응용한 예를 들었다.

• International journal of advanced smart convergence
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• 제11권4호
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• pp.47-56
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• 2022

Recently bank card number recognition plays an important role in improving payment efficiency. In this paper we propose a new bank-card number identification algorithm. The proposed algorithm consists of three modules which include edge detection, candidate region generation, and recognition. The module of 'edge detection' is used to obtain the possible digital region. The module of 'candidate region generation' has the role to expand the length of the digital region to obtain the candidate card number regions, i.e. to obtain the final bank card number location. And the module of 'recognition' has Convolutional deep learning Neural Network (CNN) to identify the final bank card numbers. Experimental results show that the identification rate of the proposed algorithm is 95% for the card numbers, which shows 20% better than that of conventional algorithm or method.

• 정보보호학회논문지
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• 제25권5호
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• pp.1175-1186
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• 2015

신용카드사용이 증가하는 만큼 금융사고 또한 증가하고 있다. 자기 띠 카드 방식은 신용카드 정보가 평문으로 노출되고 사용자 인증 또한 허술한 취약점으로 인해 향상된 보안성을 제공하는 스마트카드 방식으로 전환되는 추세에 있다. 또한 최근에는 IT와 금융상품을 접목한 핀테크 (FinTech) 열풍이 불면서 대면거래환경에서도 카드가 아닌 모바일 기기들을 기반으로 하는 결제 기법들이 많이 제안되고 있다. 본 논문에서는 카드 소지자 모바일기기를 기반으로 카드 소지자의 공개키를 이용해 생성하는 가상카드번호를 카드사에 사전 등록함으로써 대면거래환경에서 PKI와 인증서 없이 효율적으로 사용자를 인증하여 편의성을 증가시키면서도 신용카드 정보에 대한 보안성을 제공하는 가상카드번호 결제 기법을 제안하고 대면거래환경에서 보안성을 제공하는 대표적인 신용카드 결제 방식인 EMV 기법과 비교 분석 해 보도록 한다.

• 한국생활과학회지
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• 제21권5호
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• pp.957-973
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• 2012

This study analyzed consumer public complaint behaviors and the satisfaction of complaint handling among credit card users who availed of credit card services. Relatively little research has been done in this area, despite the obvious importance of understanding and improving credit card market conditions. The purpose of this study was to examine consumer compliant behaviors with a focus on public actions, such as voice responses and the third party actions among credit card users. With the goal of providing consumers with more positive expectations of credit card companies' complaint handling process, this study investigated the status of public actions and the negative effect of complaints on the overall satisfaction of post-complaint behavior toward credit card services. The responses from 1,000 credit card users were analyzed using descriptive analysis, factor analysis, multi-logit analysis, and Heckman selection estimate. The analysis provided three major results: (1) perceived service quality among credit card users was conceptualized into groups such as responsiveness, innovation, company, additional service, and fee, (2) perceived service qualities, age, residential area, employment status, and subjective economic status had significant effect on public compliant action behaviors, and (3) unidimensional factors resulting from post-complaint behaviors were analyzed and several variables, such as period of credit card use, average amount used, and perceived service quality had significant effects on the degree of satisfaction associated with complaint handling in terms of credit card services. Several implications and directions for further research are discussed.

• 한국멀티미디어학회논문지
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• 제12권1호
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• pp.41-49
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• 2009

오늘날 대부분의 스마트카드는 자바카드 플랫폼을 채택한 자바카드가 표준안으로 자리매김 하고 있다. 자바카드는 전원이 차단되면 작업 중이던 데이터가 손실되는 문제점을 가지고 있다. 데이터 손실의 해결책으로 트랜잭션 개념이 사용되지만, 한 번에 하나의 트랜잭션 처리만을 허용하므로, 트랜잭션이 필요한 작업들은 이전에 작업 중인 트랜잭션이 끝날 때까지 대기해야 하고, 이는 자바 카드의 성능을 저하시키는 요인이다. 본 논문에서는 자바 카드의 수행 성능을 향상시키기 위한 방안으로 다중 트랜잭션 버퍼에서 트랜잭션을 수행할 수 있도록 이중 잠금 규칙을 규정하고, 이 규칙에 따라 트랜잭션을 처리함으로써 트랜잭션 처리 성능을 개선시키고자 한다. 이러한 연구 결과를 통해 데이터의 안전성을 놀이고 트랜잭션이 필요한 데이터의 대기 시간을 줄이고 자바 카드의 수행 속도를 증가 시킬 수 있다.

• Asia Marketing Journal
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• 제15권4호
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• pp.223-241
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• 2014

In May 2012, the collaboration of Hana Bank, top financial service company, and SK Planet, top telecommunication service provider, introduced a new credit card that was filled with all-in-one benefits into the market. Leveraging strong infrastructure of two companies, each top in its own industries, the awareness and preference of 'Club SK Card' brand rapidly increased to about 25% in less than one year. Moreover, this new card was enthroned in the most sold credit card of year 2012, accounting for a market share of 7.2% in the credit card market and more than 80% in the mobile credit card market. To make these results possible, 'Club SK Card' marketing team developed an effective marketing communication strategy which followed the 6M model. The mission of the marketing communication strategy was simple and clear. It was to deliver the card's inherent strengths on consumer benefits that come from the support of subsidiary and affiliated companies of SK Planet. According to OK Cashbag data, the marketing communication team selected the appropriate target consumers and approached them directly, inducing actual purchase behavior. The target consumers received straightforward messages about 'Club SK Card' and were led to join in the new membership at their most frequently visited supermarket or franchise restaurant. The straightforward communication message embedded in an eye-catching commercial ad with a hook song accompanied with a dance was delivered via public media. The ad became so popular that many other television programs quoted or made parodies of the ad. Courtesy of the commercial ad, the brand name disseminated rapidly and widely among the public. In October 2012, an ingenious planning and persistent implementation of the communication strategy results 'Club SK Card' to be ranked top in brand awareness as well as advertising preference tests.

• 한국의료질향상학회지
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• 제12권2호
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• pp.113-123
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• 2006

Objective : This research is focused on understanding the current status of the Health Smart Card already in use in other advanced countries. This research will analyze the current status of the medical institutions Health Smart Card system adoption process and its effects, and provide a basis for future policy decisions for the effective adoption and diffusion of a Health Smart Card system, in the medical field, through the completed research and analysis. Method : This research surveys the domestic, and foreign, status of Health Smart Card usage. The research also presents up-to-date methodology for the evaluation of the effects of medical and health care technology. The research also conducts a survey of the domestic medical institutions that have implemented a Health Smart Card system, and then analyzes the results of the survey. Additionally, the research carried out a survey and analysis of medical institutions with no Health Smart Card system implemented, and considered the factors affecting the diffusion of Health Smart Card systems in considering an effective policy for the introduction and diffusion of such a system. Research Results : Through the study of the methodology of medical and health care information technology in advanced countries, the methodology for assessing Health Smart Card technology has been established, and focuses on 6 aspects. The study on the status of foreign implementation has shown a model for the Health Smart Card system. A survey was conducted on the current status of medical institutions with an implemented Health Smart Card system, and the survey results have been analyzed. Also, factors influencing the adoption of Health Smart Card systems have been analyzed through the survey on those medical institutions that have not implemented a Health Smart Card system. Conclusion : The government must provide institutional measures for sharing medical records by constructing an IT infrastructure at the national level to enable the adoption and diffusion of a Health Smart Card system. Such a network will make connections between medical institutions possible, thus making the diffusion of the Health Smart Card system nationwide. For the successful adoption and diffusion of a Health Smart Card system, a model system development, under a medical record sharing system, should be conducted. Additionally, a regional unit based model should be developed for the model project, as is done in advanced countries, along with the application of such results.

• 한국문헌정보학회지
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• 제29권
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• pp.281-304
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• 1995

The purpose of this study is to identify the degree to which the card catalog in a university library serves its users and to provide useful information for the design of conversion from card catalog to online catalog. From August 19th to September 16th 1995, 278 users of Duksung Women's University Library were randomley selected and surveyed in terms of card catalog use, success rate of card searching, and catalog use training received. Major findings are as follows: 1. Taking into considerations the fact that Library users tended to use more heavily oriental card catalog$(61.8\%)$ than western card catalog$(8.3\%)$ or classification card catalog$(26.3\%)$, oriental card catalog should be designed to improve its search function of the catalog. 2. It was found that the university library card catalog was not easy to use by $49.3\%$ of the users of Duksung University Library. 3. One of main reasons why the card catalog is hard to use is that there is no subject card to which users can access for subject searching. Besides, users have difficulties in locating appropriate classification numbers for subjects which users are interested in. 4. When success rate is defined as finding appropriate cards in catalog boxes, the success rate was reported to be $87.0\%$. 5. The major access points of known items which library users utilized mostly were author$(18.3\%)$ and title$(74.5\%)$. 6. In case of translated versions of foreign materials, original author name cards instead of pronounced original name card written in Korean were given to them as access points. $79.9\%$ of library users of Duksung Women's University insisted that both original and pronounced author name writ':en in Korean should be given as access points to foreign authors for the sake of user's convenience. 7. Formal training programs for card catalog use were found not to be sufficient. Small group informal training courses should be offered to users who need to get information for catalog use by library staffs. 8. Considering the trend that orders of access points have been changed from title, author and subject in card catalog to title, keyword, and author in online catalog, the existing card catalog of Duksung Women's University is expected not to meet future users' needs for subject searching unless the funcions of subject searching of catalog is improved.