• 한국컴퓨터정보학회논문지
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• 제27권5호
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• pp.127-138
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• 2022

본 논문에서는 금융권 DID(Decentralized Identity) 서비스 체계의 표준 방식을 준수하는 가운데 체계적인 검증 방식을 통하여 개인 정보나 자격 증명을 유연하게 제어할 수 있는 블록체인 기반의 DID 서비스인 FinDID(Financial Decentralized IDentity)를 제시한다. DID는 특정 인증기관 없이 탈중앙화 환경에서 활용하는 신원 관리 체계이며, 사용자가 자신의 정보를 제어할 수 있는 기술로서 사용자 자신의 개인정보에 대한 자기 주권화를 실현할 수 있다. FinDID을 통하여 사용자는 자신의 여러 개인정보를 인증하는 크리덴셜을 발급자에게 발급받아 개인 전자지갑을 이용해 타겟금융 서비스가 필수적으로 요구하는 클레임만을 크리덴셜에서 선택하여 프레젠테이션을 생성하고, 이를 금융 서비스에게 제출하여 자신의 서비스 이용자격을 부여받는다. FinDID는 전자지갑, 크리덴셜 발급자, 크리덴셜 저장소 그리고 DID 관리 컨트랙트 및 크리덴셜 관리 컨트랙트를 포함하는 DID 서비스 및 이러한 서비스 체계를 이용하는 금융서비스로 구성된다. DID 서비스는 각 사용자의 DID를 관리하고 관련된 신원 관리체계의 모든 검증과정을 지원한다.

• KSII Transactions on Internet and Information Systems (TIIS)
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• 제15권11호
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• pp.4163-4183
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• 2021

As measures for protecting users and ensuring security of electronic financial transactions, such as online banking, financial institutions in South Korea have implemented network segregation policies. However, a revision of such domain-centered standardized network segregation policies has been increasingly requested because of: 1) increased demand for remote work due to changes resulting from COVID-19 pandemic; and 2) the difficulty of applying new technologies of fintech companies based on information and communications technologies (ICTs) such as cloud services. Therefore, in this study, problems of the remote work environment arising from the network segregation policy currently applied to the financial sector in South Korea and those from the application of new ICTs such as fintech technology have been investigated. In addition, internal network protection policies of foreign financial sectors, such as those of the United States, United Kingdom, European Union, and Russia, and internal network protection policies of non-financial sectors, such as control systems, have been analyzed. As measures for the effective improvement of the current network segregation policy, we propose a policy change from domain-based to data-centric network segregation. Furthermore, to resolve threats of hacking at remote work, recently emerging as a global problem due to COVID-19 pandemic, a standard model for remote work system development applicable to financial companies and a reinforced terminal security model are presented, and an alternative control method applicable when network segregation is not applied is proposed.

• 정보보호학회논문지
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• 제25권3호
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• pp.665-672
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• 2015

본 논문에서는 스마트폰 및 ATM 등의 전자금융 환경에서 바이오인식 도입 해외사례를 분석하였다. 국가별 프라이버시 이슈, 금융서비스 여건, 정부의 정책방향 등의 차이에 따라 바이오인식 도입 양상이 다르게 나타나고 있었다. 국내에서도 핀테크 활성화 및 편의성이 뛰어난 모바일 중심의 금융서비스로의 규제환경의 변화로 인해 바이오인식기술 도입이 적극적으로 논의되고 있는 시점이다. 본 논문에서는 각국의 금융 분야 도입 사례 분석을 통해 한국형 금융 바이오인식 기술 도입을 위한 방안을 제시한다. 그리하여 금융 분야 바이오인식 도입을 위한 정책 수립 시 정확한 의사결정방향에 도움이 되고자 한다.

• 통상정보연구
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• 제6권3호
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• pp.353-370
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• 2004

In recent years, electronic finance, especially online banking and brokerage services has reshaped the financial landscape around the world For example, e-finance makes it possible to offer banking services around the world 24 hours a day. The aim of this paper is to analyze the macroeconomic effects of e-finance and e-money, or with existing leading studies, is to survey how development of e-finance effects on monetary polices, and is to think out political devices to raise the efficiency of monetary polices.

• KSII Transactions on Internet and Information Systems (TIIS)
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• 제11권2호
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• pp.1180-1200
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• 2017

Currently, automated payment services provide intuitive user interfaces by adapting various wireless communication devices with mobile services. For example, companies like Samsung, Google, and Apple have selected the NFC payment method to service payments of existing credit cards. An electronic payment standard has been released for NFC activation within Korea and will strengthen the safety of payment service communications. However, there are various security risks regarding the NFC-based electronic payment method. In particular, the NFC payment service using the recently released lightweight devices cannot provide the cryptographic strength that is supported by many financial transaction services. This is largely due to its computational complexity and large storage resource requirements. The chaotic map introduced in this study can generate a highly complicated code as it is sensitive to the initial conditions. As the lightweight study using the chaotic map has been actively carried out in recent years, associated authentication techniques of the lightweight environment have been released. If applied with a chaotic map, a high level of cryptographic strength can be achieved that can provide more functions than simple XOR operations or HASH functions. Further, this technique can be used by financial transaction services. This study proposes a mutual authentication technique for NFC-PCM to support an NFC payment service environment based on the chaotic map.

• 무역상무연구
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• 제49권
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• pp.409-434
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• 2011

SWIFT has designed Trade Services Utility(TSU) to meet the new paradigm of electronic trade. The Trade Services Utility is a matching and workflow application that sits on the SWIFT network. The TSU is designed to help banks offer advanced supply chain services to their corporate customers who are involved in open account trading. Nowadays, the Bank payment obligation(BPO) can optionally be included in a baseline by mutual consent. The BPO is an irrevocable and conditional obligation of an obligor bank(buyers bank) to pay a specified amount to seller's bank according to an established baseline of a single TSU transaction. Therefore, SWIFT enables its customers to automate and standardise financial transactions, thereby lowering costs, reducing operational risk and eliminating inefficiencies from their operations. Whereas, Banks can use the core functionality of the Trade Services Utility to offer competitive services that complement existing services. But SWIFT need to come up with the measures of activating the TSU BPO. So, this paper is to introduce TSU BPO and check the measures for the activation of the TSU BPO under the electronic trade environment.

• 통상정보연구
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• 제10권1호
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• pp.315-327
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• 2008

According to the Bank Profitabilities Statistics of OECD members, Our domestic banks applying commissions for both exchange and selling/buying foreign currencies are evaluated as much higher than those of other countries banks. The theory indicates an analysis results and comparison in between banks over the world. Our domestic bank assert that, in general, the aggregated banking commission income is lower than those of other countries by comparing in the field of non-interests profits. Viewing by another analysis in details, some commission rate applying to domestic services are far below than cost basis, but other commission rate applying to foreign currency transaction services is abnormally higher. Such unfair rate should be lowered to the similar level to other banks in the world and also the actual cost should be reasonably reevaluated in the reasonable manner. One more thing, The writer suggest that domestic banks should spend efforts to increase their income by improving and diversifying with the various type of new commissions applied to domestic market, such as multi-functional financial services, expanding ATM services, electronic settling technique etc under today's rapidly changing and opening world financial market.

• Journal of Information Processing Systems
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• 제16권2호
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• pp.377-393
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• 2020

Freight management systems require a new business model for rapid decision making to improve their business processes by dynamically analyzing the previous experience data. Moreover, the amount of data generated by daily business activities to be analyzed for making better decisions is enormous. Online-to-offline or offline-to-online (O2O) is an electronic commerce (e-commerce) model used to combine the online and physical services. Data analysis is usually performed offline. In the present paper, to extend its benefits to online and to efficiently apply the big data analysis to the freight management system, we suggested a system architecture based on O2O services. We analyzed and extracted the useful knowledge from the real-time freight data for the period 2014-2017 aiming at further business development. The proposed system was deemed useful for truck management companies as it allowed dynamically obtaining the big data analysis results based on O2O services, which were used to optimize logistic freight, improve customer services, predict customer expectation, reduce costs and overhead by improving profit margins, and perform load balancing.

• 산업경영시스템학회지
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• 제33권4호
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• pp.130-137
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• 2010

This paper analyzes the main factors affecting user selection of a small-sum electronic payment system using survey data of 396 users. Several findings emerge. First, users consider three pillars and eight factors in adopting a new system : system features(stability, security, and flexibility), transaction cost(payment commission and settlement period), and financial capability of provider(stability of financial structure, risk management capability, and funding capability). Second, the stability of the financial structure of the system provider is the most important factor to user acceptance of a new e-payment system. Users tend to consider uncertainty risk more seriously than transaction cost. This reflects the reality that electronic payment system service industry has not fully fledged yet. Third, some moderating effects exist according to payment methods and business usages. As for payment methods, speedy settlement cycle for wired/wireless phone payment, system stability for credit card and account transfer payment, and security for advance payment means are crucial factors. As for business usages, the stability of financial structure for online game content, system stability for music and video content, proxy payment commission for e-learning content, flexibility of the payment system for digital adult content, and security for public services are decisive ones.

• 정보학연구
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• 제1권2호
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• pp.163-180
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• 1998

인터넷의 활용이 급속도로 증가하고 있는 실정에 비추어 볼 때 인터넷은 머지 않아 세계 상거래무역의 새로운 장으로서 큰 역할을 담당하게 될 것이다. 이런 상황하에서 인터넷의 도입이 무역에 어떠한 영향을 미치며, 그에 대한 국제적인 논의는 어떤 방향으로 전개되고 있는지를 살펴보고, 이러한 국제적 논의와 관련하여 무역에서 야기될 수 있는 문제점을 도출하고 그에 대한 우리의 대응방안을 제시하고자 하는 것이다.