• Information Systems Review
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• v.23 no.3
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• pp.177-200
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• 2021

Recently, the use of prepaid electronic payments such as electronic wallets, digital currency and prepaid points is gradually increasing. Prepaid electronic payments has the characteristic of being used after charging first. This study empirically investigated the factors affecting the intention to use online charging in order to help improve the service that require prepaid recharge by applying transformed TAM. Since there are not many previous studies for the intention to use online charging, we extract factors through preceding researches for electronic cash and mobile easy payment. Also we analyze the intention to use online charging for transportation card users, focusing on the moderating effects. As a result of the study, it was found that 'convenience', 'ubiquity', and 'self-efficacy' among the independent variables had a positive (+) effect on mediation variable 'perceived usefulness'. 'Perceived usefulness' was analyzed to have a significant influence on the dependent variable 'usage intention'. According to users' gender, internet usage time, internet shopping frequency, online charging frequency and transportation card usage type, the moderating effect was significant on 'perceived usefulness' and 'usage intention'. As an implication, it was suggested that service improvement and differentiated marketing are needed in direction of increasing the usefulness of services. Additional research directions were proposed for services such as e-wallets, prepaid points and digital currencies by adding other factors and moderate variables.

• Proceedings of the Korea Contents Association Conference
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• 2016.05a
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• pp.199-200
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• 2016

본 논문에서는 모바일 간편결제 서비스의 수용의도에 영향을 미치는 요인을 살펴보기 위하여 연구모형을 설계하였으며, 중국의 서비스 사용자를 대상으로 설문조사를 실시하여 변수들 간의 인과관계를 실증적으로 분석하였다. 분석 결과, 서비스 특성, 사회적 특성과 개인적 특성이 지각된 용이성과 지각된 유용성에 영향을 미치는 것으로 나타났으며, 지각된 용이성은 지각된 유용성에 영향을 미치는 것으로 나타났다. 또한 지각된 용이성과 지각된 유용성은 수용의도에 영향을 미치는 것으로 나타났다.

• Journal of Korea Society of Industrial Information Systems
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• v.5 no.1
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• pp.69-76
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• 2000

This thesis implements retrieving systems with easy to retrieve photos which end-user want to find based m end-user computing(EUC)'s a theoretical study on factors in exert a effect on the computing systems. And also this systems allow a photographer to store his works in the database of this systems by himself on internet environment. This sock photo systems is developed with object oriented design methodology so it is easy to modify and to reuse software. And this systems can use for electronic commerce by adding the electronic payment systems.

• Informatization Policy
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• v.23 no.4
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• pp.59-75
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• 2016

In the era of convergence, more attention is paid to development of Fintech which attempts for innovation of the financial transaction paradigm through ICT. Proliferation of Fintech to engraft finance-related services on mobile and ICT is found in various fields such as loans, investment and asset management in addition to simple payment or remittance services but awareness of consumers regarding the matter is rather low. Therefore, it is the time to conduct a research on various Fintech businesses. This thesis conducted an empirical research from the viewpoint of consumers to investigate influence on continuous use intention of Fintech users. From the user environment perspective, it was found that influence of innovativeness on satisfaction was not statistically significant. In case of the product characteristics, perceived risk did not have statistical significance on satisfaction.

• Proceedings of the SAREK Conference
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• 2009.06a
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• pp.218-223
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• 2009

Cost related to building equipment accounts for about 85% of the life cycle cost of buildings. Therefore proper selection of air-conditioning system is important for reducing the overall cost of buildings. In this study, large capacity ice thermal storage and absorption chiller-heater for air-conditioning a building with a floor area of $9,900\;m^2$ are compared economically. For easy input and analysis, an Ms Excel VBA program has been developed. To consider all the factors of initial and operation costs effectively, an annual equal payment method is proposed. Under the assumptions made in this study, overall cost of an absorption chiller-heater is less than that of an ice thermal storage, but this is not absolute and different outcome may result if different assumptions are made. This study is useful for those who are interested in choosing an economical air-conditioning system for large-size buildings with simple calculations.

• The Journal of Information Technology
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• v.8 no.3
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• pp.159-176
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• 2005

The Purpose of this Article is to analyze the special settlement and electronic settlement system in the international trade. First, Factoring is a fast, easy and flexible way to improve a company's cash flow and generate working capital for the company. Factoring can be short-term or part of an ongoing financing program. New companies can benefit as well, since there is no requirement for a long-term credit history. Second, Forfaiting is a method of trade financing that allows exporters to obtain cash and be free of all risks by selling their medium term receivables on a 'without recourse' basis. Forfaiting can be an alternative to export credit or insurance cover, especially for those transactions in which the export credit agency is not open to a particular country and/or bank. Third, The Bolero System is jointly financed by SWIFT(Society for World International Financial Telecommunications) which handles most of the electronic funds transfer for banks, and the Through Transport Mutual Assurance Association(the TT Club), a mutual insurance association most of whose members are drawn from the Multimodal transport industry or transport intermediaries. Fourth, TradeCard is a payment and settlement system that is an alternative to letters of crdeit. That is, TradeCard is a business-to-business e-commerce infrastructure that enables buyers and sellers to conduct and settle international trade transactions securely over the Internet.

• Convergence Security Journal
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• v.16 no.5
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• pp.33-40
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• 2016

Credit card is means of payment used like cash in terms of function and its users have increased consistently. With development of Internet and electronic commerce a role as payment method of credit card has been growing. But as the risk which results from centralized information and online increases, credit card fraud is also growing. Card theft and loss are decreasing due to countermeasure of card companies and financial supervisory authorities, while card forge and identity theft are increasing. Recently because of frequent personal information leakage and deregulation of financial security following easy-to-use payment enforcement, customer's anxiety about card fraud is growing. And the increase of card fraud lowers trust on credit system as well as causes social costs. In this paper, the security problems of card operating system are addressed in depth and the measures such as immediate switch to IC card terminals, introduction of new security technology, supervision reinforcement of the authorities are proposed.

• Korean Journal of Clinical Pharmacy
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• v.30 no.2
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• pp.73-80
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• 2020

Objective: The Australian Pharmaceutical Benefits Scheme (PBS) is a national drug subsidy program. Given the similarity and comprehensiveness of the Australian PBS and the Korean National Health Insurance (NHI) data, these data are increasingly used for pharmacoepidemiological investigations, as well as international comparative studies. This study aims to introduce the various sources of publicly available PBS data and provide a practical guide to researchers conducting drug utilization studies. Methods: We searched literature and websites to detail and compare the collection, structure, components, and characteristics of each PBS data format. We identified different characteristics of the PBS data from the Korean NHI claims data which are mainly owing to their unique co-payment policies and data collection processes. In addition, the utilization and expenditure of atorvastatin, a widely used treatment for hyperlipidemia, were analyzed using two different sources of PBS data and the different results were interpreted. Results: There exist differences in when data were collected or non-subsidized uses of medicine were included among sources of PBS data. Additionally, two countries have different cost sharing methods inmedicine subsidy scheme; co-payment in Australia and co-insurance in Korea. Therefore, it should be noted that prescriptions under co-payment are not included in some data sources in Australia. Conclusion: Despite several analytical challenges, open access and easy data management are the strengths of the PBS data sources. A detailed knowledge of the PBS data can ensure robust methodology and interpretation of pharmacoepidemiological investigations or international comparative studies.

• Food Science of Animal Resources
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• v.24 no.4
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• pp.411-415
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• 2004

The transparisation technology for milk and milk products could be applied widely and very importantly to various determination because transparisation can economize the cost and increase with precision in the milk payment system. Component of butanone or Triton in transparisation solvent would inhibit the growth of bacteria and method. Enzymatic determination of leucocytes were proposed to evaluate milk quality as mastitis in the milk payment system, this can be easily applied to simplify automation of the determation with the lowest investment cost in milk pay system. The significance of this technique, it can be used in the quality control of raw milk and milk products, milk payment system, and programming of national dairy project. Transparisation technology is used in somatic cell counting by enzymic methods. The range of deviation for this method is 16％ in 74 samples. But the deviation is increased to 20％ when the Infoss method is used. It is affected by the percentage of epithelial cells and white blood cells in somatic cells from different animals and the stages of aging. NAgase activity has an obvious correlation with white-blood cells in milk. In the case of mastitis the white-blood cells is 90-95％ in somatic cells in milk, it is showing greater precision in measuring the state of mastitis. In conclusion the enzymic method of somatic cell counting is a relatively simple and easy method of measurement and can be easily practiced. And the importance of this method is also worth utilizing for indirect counting of Somatic cells by use of synthetic substrates to NAgase. In the future, with the further development of the research in this field, it will b possible to automatize the measurement.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.32 no.5
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• pp.827-835
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• 2022

In order to use online financial services, user authentication technology is necessary. Password check through keyboard typing is the most common technique. However, since it became known that key stokes on the keyboard can be intercepted easily, many Internet banking services and easy payment services have adopted the virtual keyboard. However, contrary to the expectation that the virtual keyboard will be safe, there is a risk that key strokes on the virtual keyboard can be leaked. In this paper, we analyzed the possibility of password leaking on the virtual keyboard and presented a password leaking method using mouse event hooking and screen capture in PC operating system. In addition, we inspected the possibility of password leak attacks on several famous Korea Internet banking websites and simple payment services, and as a result, we verified that the password input method through the virtual keyboard in the PC operating system is not secure.