• Journal of Digital Convergence
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• v.18 no.11
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• pp.477-483
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• 2020

Credit cards are becoming an important marketing tool that reveals brand identity beyond payment methods. The purpose of this study is to suggest an effective design strategy plan by analyzing credit card design case that provided a positive brand experience among the cases of implementing the brand identity of a domestic credit card. The design of a representative credit card brand in Korea was analyzed according to Schmidt's experience type. As a result of analysis, when designing a credit card, it maximizes the visual effect with colors suitable for each theme, presents a multi-faceted experience that stimulates the five senses of the consumer, and provides an active brand experience that can reminisce the benefits of a credit card. It was found to be effective in revealing the brand identity. This study is meaningful in that local credit card companies offer design directions that can positively imprint brands on consumers through credit card designs.

• Journal of the Korea Convergence Society
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• v.8 no.11
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• pp.263-269
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• 2017

Credit card holders are showing a higher level of psychology to show their identity beyond the means of payment. The purpose of this study is to investigate which design factors affect the 30th and 40th generation housewives when issuing credit cards. A total of 200 people in the 30s and 40s housewives who live in Seoul and the metropolitan area were selected from among the customers who use the credit card, and the effect of the design factors of the domestic credit card on the selection of the credit card, Based on previous studies, questionnaires were prepared and surveyed. As a result of the survey, it was found that the color design of the credit card design element was the achromatic system and the main image was the simple design which only used the color without emphasizing the image or the logo, and then the character type was preferred. I prefer not to have a card decoration, and I have found that a metal-like card material is the most preferred. Through this, I would like to suggest directions for the design development for 30 and 40 housewives in credit card companies.

• International Journal of Quality Innovation
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• v.5 no.2
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• pp.1-16
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• 2004

Credit scoring is widely used to make credit decisions, to reduce the cost of credit analysis and enable faster decisions. However, traditional credit scoring models do not account for the influence of noises. This study proposes a robust credit scoring system based on Mahalanobis-Taguchi System (MTS). The MTS, primary proposed by Taguchi, is a diagnostic and forecasting method using multivariate data. The proposed approach's effectiveness is demonstrated by using real case data from a large Taiwanese bank. The results reveal that the robust credit scoring system can be successfully implemented using MTS technique.

• Proceedings of the Korean Society of Computer Information Conference
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• 2013.07a
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• pp.319-320
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• 2013

In these days, an individual is evaluated by his or her credit. So, it is very critical for an individual to know his or her credit rating and then to try to improve the credit rating. But, there are few services to analyze credit status for an individual and inform the person of the credit. In fact, it could be impossible to let a person know how to improve his or her credit rating. Against this backdrop, we research on a credit management model to analyze credit status of an individual rapidly and propose individual-customized method to improve the credit rating. We set up the model and design it in detail. This servie would certainly make it convenient for an individual to retrieve credit rating and improve it.

• Journal of Fashion Business
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• v.19 no.6
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• pp.74-81
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• 2015

The purpose of this study is to analyze the operation situation & academic research trends in Seoul and Gyeonggi area, based on theoretical consideration on academic credit bank system, focusing on academic credit bank system where a lifelong education institute affiliated with a university produces graduates with associate's degree. To find out about how academic credit bank institutes are operated in cosmetology field, the analysis of literature review was used, in reference to the literatures as well as administrative data from the Ministry of Education and institutes for lifelong education with respect to academic credit bank system. Further, dissertations and articles in journals were also reviewed for analysis, in order to see academic research trends with respect to academic credit bank system in cosmetology, and finally to provide the directions for a follow-up study in the future. It was found that about 120 junior colleges have cosmetology departments, while only about 20 4-year universities have them, where lifelong education systems such as lifelong education are essential for learners to have bachelor's degree to go to a graduate school in reality. Every year more people want to learn and acquire the degree through a lifelong education institute affiliated with a university. In this regard, it is thought that there should be first positive social awareness towards a degree recipient from such educations and more administrative promotion and active engagement of government, businesses and schools, in order to vitalize academic credit bank system. Meanwhile, there are only about 10 academic literatures including the dissertations on the operation of academic credit bank system with respect to cosmetology, which is not sufficient number in academic research, compared to the increasing number of people who want to acquire the degree. Most of the preceding studies have been limited to education services and learners' satisfaction level. Therefore, continuous follow-up study is required on how to improve social awareness as well as teachers and instructors' satisfaction level, as well as how to develop industry-customized curriculum, in order to ensure active academic credit bank system.

• The Journal of Korean Institute of Communications and Information Sciences
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• v.30 no.1A
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• pp.76-83
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• 2005

This paper presents the design and implementation of credit-control application to provide prepaid service for Diameter Mobile-lP application in Diameter-based AAA system. Diameter credit-control application is designed to support prepaid accounting service, which is not supported in RADIUS and Diameter accounting. Real-time credit-control requires that an application must be able to rate service information in real-time. In addition, it is necessary to check that the end user's account provides coverage for the requested service, prior to initiation of that service. In this paper, we design and implementation Diameter credit-control to provide prepaid service for Diameter Mobile-IP application.

• The Research Journal of the Costume Culture
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• v.13 no.5 s.58
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• pp.819-832
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• 2005

The purpose of the study was to examine female college students' credit card usage characteristics and to investigate differences in buying propensity of clothing including impulse buying, consciousness, and conspicuous consumption among their buyer groups according to credit card use and personal characteristics. The questionnaires were administered to female college students in Seoul. The total of 588 questionnaires were collected and statistically analyzed by descriptive statistics, factor analysis, Analysis of Variance (ANOVA), and Duncan's test. Female college students' arrear as well as credit card use have been increasing, and they tend to purchase low price clothing item using credit card. Buying propensity was classified into three factors. There were differences in buying propensity of clothing including impulse buying, fashion consciousness, and conspicuous consumption among buyer groups according to the credit card use and personal characteristics. Students who have credit card and arrear experience, are heavy credit user, and purchase more clothing showed high impulse buying propensity. Students who purchase more clothing monthly with credit card were more fashion-conscious. Students who have credit card, are heavy credit user, and purchase more clothing showed high conspicuous consumption propensity. Implications and future research directions were discussed.

• International journal of advanced smart convergence
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• v.12 no.3
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• pp.51-60
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• 2023

This study focuses on the design of a GPT-based system for relatively rapid technology credit assessment of SMEs. This system addresses the limitations of traditional time-consuming evaluation methods and proposes a GPT-based model to comprehensively evaluate the technological capabilities of SMEs. This model fine-tunes the GPT model to perform fast technical credit assessment on SME-specific text data. Also, It presents a system that automates technical credit evaluation of SMEs using GPT and LLM-based chatbot technology. This system relatively shortens the time required for technology credit evaluation of small and medium-sized enterprises compared to existing methods. This model quickly assesses the reliability of the technology in terms of usability of the base model.

• The KIPS Transactions:PartC
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• v.9C no.3
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• pp.351-358
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• 2002

Recently, personal business styles have been rapidly changed into e-business due to the rapid progress and deployment of Internet. As a result of the change, new and safe ways of payment such as electronic wallet, electronic money and electronic check have been developed and introduced. In this paper a secure and user-friendly payment method is addressed. One of most important reasons why newly developed safe payment methods are not widely used in e-business is lack of convenience for the users. On the other hand credit card based payment, which is traditional one, is the most prevailing due to the user-friendliness. However this payment also has some problem in sense of security. In this paper, we design and implement a secure credit card-based payment system using one-time credit information. The main features are "payment information must be new", "can use the old credit system", and "do not require client software".

• Proceedings of the Korea Society of Design Studies Conference
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• 2004.10a
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• pp.168-169
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• 2004