• 디지털융복합연구
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• 제18권11호
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• pp.477-483
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• 2020

신용카드가 결제 수단을 넘어 브랜드 아이덴티티를 드러내는 중요한 마케팅 도구로 자리 잡고 있다. 본 연구는 국내 신용카드의 브랜드 아이덴티티를 구현한 사례 중에서 긍정적인 브랜드 경험을 제공한 신용카드 디자인 사례를 분석하여 효과적인 디자인 전략 방안을 제시하는 것이 목적이다. 국내 대표 신용카드 브랜드의 디자인을 번 슈미트의 경험유형에 따라 분석했다. 분석 결과 신용카드를 디자인할 때 각 테마에 맞는 색상으로 시각적인 효과를 극대화하고, 소비자의 오감을 자극하고 나아가 신용카드가 주는 혜택 등을 연상할 수 있는 인지 및 감성 경험을 제공하는 것이 브랜드 아이덴티티를 드러내는데 효과적이라고 나타났다. 본 연구는 국내 카드사가 신용카드 디자인을 통해 브랜드를 소비자들에게 긍정적으로 각인시킬 수 있는 디자인 방향을 제시하는 데 의의가 있다.

• 한국융합학회논문지
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• 제8권11호
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• pp.263-269
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• 2017

신용카드 소지자들은 카드결제수단용을 넘어 본인을 나타내는 심리가 높아지고 있다. 이에 본 연구는 30, 40대 전업주부가 신용카드를 발급할 때 어떤 디자인 요소가 영향을 미치는지 알아보는 것이 목적이다. 신용카드를 사용하는 고객 중 연구 대상자를 서울과 수도권에 거주하는 30, 40대 주부 총 200명을 선정하여 국내 신용카드가 가지고 있는 디자인요소가 신용카드 선택에 어떤 영향을 미치는지 카드사 자료와 참고문헌, 선행연구를 토대로 설문지를 작성하여 설문조사를 하였다. 설문조사 결과 신용카드 디자인 요소 중 색상은 무채색 계열과 메인 이미지는 이미지나, 로고를 강조하지 않고 컬러로만 사용한 단순한 디자인을 가장 선호했고 다음으로 캐릭터형을 선호한 것으로 나타났다. 그리고 카드 장식은 없는 것을 선호하며, 금속 느낌의 카드 재질을 가장 선호하는 것을 알 수 있었다. 이를 통해 카드사에서 30, 40대 주부를 대상으로 하는 디자인 개발 시 방향을 제시하고자 한다.

• International Journal of Quality Innovation
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• 제5권2호
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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.

• 한국컴퓨터정보학회:학술대회논문집
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• 한국컴퓨터정보학회 2013년도 제48차 하계학술발표논문집 21권2호
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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.

• 패션비즈니스
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• 제19권6호
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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.

• 한국통신학회논문지
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• 제30권1A호
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• pp.76-83
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• 2005

본 논문은 Diameter 기반 AAA 시스템에서 Mobile-lP 응용과 연동하는 선불 서비스의 설계 및 구현에 대하여 기술하였다. 선불 서비스 기능은 Diameter의 Credit-Control 응용에 기반 하였으며, Credit-Control 응용은 기존의 RADIUS 과금 방식이나 Diameter 베이스 프로토콜의 과금 방식이 지원하지 않는 선불 과금 서비스를 제공하기 위한 응용 기능이다. 실시간 선불 서비스 기능은 실시간 서비스 비용 결정과 서비스를 제공하기 위한 사용자의 계정 잔액 확인 절차 등과 같은 추가의 기능들을 요구한다. 본 논문에서는 위와 같은 추가의 기능들을 지원할 수 있도록, Mobile-lP 응용 서비스인 Diameter Mobile-lP 응용과 연동하는 Diameter Credit-Control 응용의 설계와 구현에 대하여 기술한다.

• 복식문화연구
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• 제13권5호
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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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• 제12권3호
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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.

• 정보처리학회논문지C
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• 제9C권3호
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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".

• 한국디자인학회:학술대회논문집
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• 한국디자인학회 2004년도 추계 학술발표대회 논문집
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• pp.168-169
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• 2004