• Title/Summary/Keyword: expected sample size

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Image Classification of Thyroid Ultrasound Nodules using Machine Learning and GLCM (머신러닝과 GLCM을 이용하여 갑상샘 초음파영상의 결절분류에 관한 연구)

  • Ye-Na Jung;Soo-Young Ye
    • Journal of the Korean Society of Radiology
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    • v.18 no.4
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    • pp.317-325
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    • 2024
  • This study aimed to classify normal and nodule images in thyroid ultrasound images using GLCM and machine learning. The research was conducted on 600 patients who visited S Hospital in Busan and were diagnosed with thyroid nodules using thyroid ultrasound. In the thyroid ultrasound images, the ROI was set to a size of 50x50 pixels, and 21 parameters and 4 angles were used with GLCM to analyze the normal thyroid patterns and thyroid nodule patterns. The analyzed data was used to distinguish between normal and nodule diagnostic results using the SVM model and KNN model in MATLAB. As a result, the accuracy of the thyroid nodule classification rate was 94% for SVM model and 91% for the KNN model. Both models showed an accuracy of over 90%, indicating that the classification rate is excellent when using machine learning for the classification of normal thyroid and thyroid nodules. In the ROC curve, the ROC curve for the SVM model was generally higher compared to the KNN model, indicating that the SVM model has higher within-sample performance than the KNN model. Based on these results, the SVM model showed high accuracy in diagnosing thyroid nodules. This result can be used as basic data for future research as an auxiliary tool for medical diagnosis and is expected to contribute to the qualitative improvement of medical services through machine learning technology.

pT1N3 Gastric Cancer (pT1N3 위암)

  • Ahn, Dae-Ho;Kwon, Sung-Joon;Yun, Hyo-Yung;Song, Young-Jin;Mok, Young-Jae;Han, Sang-Uk;Kim, Wook
    • Journal of Gastric Cancer
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    • v.6 no.2
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    • pp.109-113
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    • 2006
  • Purpose: Various minimally invasive surgical techniques, such as an endoscopic mucosal resection and a laparoscopic gastrectomy, are becoming common practice for some cases of early gastric cancer (EGC) defined in terms of the depth of invasion being limited to the mucosa or submucosa. However, there are rare cases of early gastric cancer with massive lymph-node metastasis. Materials and Methods: From 6 university hospitals of Korea, 2,772 EGC cases were resected during the various period of analysis (1,432 cases of mucosal cancer and 1,340 of submucosal cancer). Results: As control data, we used the data from a single institute, CHA University Hospital. There were nine cases of early gastric cancer (9/2,772, 0.32%) with N3 lymph node metastasis defined by more than 15 lymph nodes being metastasized according to the UICC-TNM classification (pT1N3, stage IV). Two cases were mucosal cancer (2/1,432, 0.1 4%), and seven cases were submucosal cancer (7/1,340, 0.52%). Metastasized lymph nodes varied in number from 18 to 52. There were three male and six female patients with a mean age of 57. This is a totally reversed sex ratio compared to the usual gastric cancer or EGC. Among the total of 9 EGC patients, there were 5 who had superficial spreading carcinomas with surface areas larger than $25\;cm^2$. This is a significantly higher proportion compared to the general EGC population. When we compared the tumor size according to the LN status, the N3 group was definitely larger than the other groups. 78% of the pT1N3 cases showed lymphatic invasion, which is very high compared to the 4.7% in general EGC cases. Among the 9 cases, 6 patients had too short a follow-up period to evaluate the correct prognosis, but there was one patient with a non-curative resection and two patients with early recurrence. Although the sample size is small and the follow-up period is short, we can expect a very poor prognosis when we consider the common prognosis of EGC that is widely known and accepted. Conclusion: From these results, we can a conclude that the risk factors for pT1N3 gastric cancer are female patients, submucosal invasion, larger tumor size, and lymphatic invasion. However rare, the existence of pT1N3 gastric cancer needs to be taken into consideration, especially during the diagnosis. Furthermore, minimally invasive treatment for EGC needs to be chosen with great precaution. Since the prognosis of pT1N3 gastric cancer is expected to be poor, aggressive adjuvant chemotherapy may be necessary. (J Korean Gastric Cancer Assoc 2006;6:109-113)

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The Structure of Plant Community in Jungdaesa-Birobong Area, Odaesan National Park (오대산국립공원 중대사-비로봉 구간 식물군집구조)

  • Han, Bong-ho;Choi, Jin-woo;Noh, Tai-hwan;Kim, Dong-wook
    • Korean Journal of Environment and Ecology
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    • v.29 no.5
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    • pp.764-776
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    • 2015
  • This study aims to identify the structure of the plant community, and the ecological succession sere and the change in the forest ecosystem in Jungdaesa-Birobong area, Odaesan National Park_(i._e., located at high altitudes(over 1,000m)). It seeks to offer the basic data for the planning of vegetation management. In order to verify the status of the forest vegetation between Jungdaesa-Birobong, seventeen plots(size is $20m{\times}20m$) were set up as research sites at high altitudes. Importance value, distribution by diameter at breast height(DBH), the growth volume and age of the sample trees, similarity index and species diversity index of each survey plot were analysed. According to the results of DCA(Detrended Correspondence Analysis), one of the multivariate statistical techniques. It was found that the plant communities were classified into five groups: community I_(Quercus mongolica-Tilia amurensis community), community II_(Q. mongolica-Deciduous broad-leaved community), community III_(Q. mongolica-Pinus koraiensis community), community IV_(Abies holophylla-Q. mongolica community) and community V_(A. holophylla-Deciduous broad-leaved community). Community I which is dominated by Quercus mongolica and Deciduous broad-leaved communities is located at an altitude of over 1,300 meters(ranging from 1,335m to 1,495m), the community IV and V which are dominated by Abies holophylla are located at an altitude of under 1,200 meters(ranging from 1,115m to 1,175m) and the community II and III which include the main species of Quercus mongolica, Pinus koraiensis and Abies holophylla are located at an altitude of between 1,160 meters and 1,300 meters. The results showed that Quercus mongolica tends to have a higher importance value of woody species at a higher altitude while Abies holophylla tends to have higher importance value at a lower altitude. For the importance value woody species and -DBH class distribution, the communites I, II and III are expected to continuously maintain the present status. Whereas, for the influence of communities IV and V, Q. mongolica is predicted to be weakened. The age of sample trees was between 85 and 161; the average age was 123. The index of Shannon's Species diversity (H') showed heterogeneity was found among community I_(i._e., located at high altitude) and communities IV and V_(i._e., located at low altitude). As a results of analysing the index of Shannon's Species diversity (H': unit: $400m^2$), community III showed the highest diversity intex with 1.1109 followed by community II with 1.0475, community I with 1.0125, community IV with 0.9918 and community V with 0.8686. This study verified that the index of Shannon's species was significantly different by plant communities. For instance, when comparing the index of Shannon's species diversity in Quercus mongolica communities of this study and that of past relevant research, the value of index is very similar. However, the diversity index for the community which is dominated by Abies holophylla showed lower value when compared to the results from past relevant research.

Attention to the Internet: The Impact of Active Information Search on Investment Decisions (인터넷 주의효과: 능동적 정보 검색이 투자 결정에 미치는 영향에 관한 연구)

  • Chang, Young Bong;Kwon, YoungOk;Cho, Wooje
    • Journal of Intelligence and Information Systems
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    • v.21 no.3
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    • pp.117-129
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    • 2015
  • As the Internet becomes ubiquitous, a large volume of information is posted on the Internet with exponential growth every day. Accordingly, it is not unusual that investors in stock markets gather and compile firm-specific or market-wide information through online searches. Importantly, it becomes easier for investors to acquire value-relevant information for their investment decision with the help of powerful search tools on the Internet. Our study examines whether or not the Internet helps investors assess a firm's value better by using firm-level data over long periods spanning from January 2004 to December 2013. To this end, we construct weekly-based search volume for information technology (IT) services firms on the Internet. We limit our focus to IT firms since they are often equipped with intangible assets and relatively less recognized to the public which makes them hard-to measure. To obtain the information on those firms, investors are more likely to consult the Internet and use the information to appreciate the firms more accurately and eventually improve their investment decisions. Prior studies have shown that changes in search volumes can reflect the various aspects of the complex human behaviors and forecast near-term values of economic indicators, including automobile sales, unemployment claims, and etc. Moreover, search volume of firm names or stock ticker symbols has been used as a direct proxy of individual investors' attention in financial markets since, different from indirect measures such as turnover and extreme returns, they can reveal and quantify the interest of investors in an objective way. Following this line of research, this study aims to gauge whether the information retrieved from the Internet is value relevant in assessing a firm. We also use search volume for analysis but, distinguished from prior studies, explore its impact on return comovements with market returns. Given that a firm's returns tend to comove with market returns excessively when investors are less informed about the firm, we empirically test the value of information by examining the association between Internet searches and the extent to which a firm's returns comove. Our results show that Internet searches are negatively associated with return comovements as expected. When sample is split by the size of firms, the impact of Internet searches on return comovements is shown to be greater for large firms than small ones. Interestingly, we find a greater impact of Internet searches on return comovements for years from 2009 to 2013 than earlier years possibly due to more aggressive and informative exploit of Internet searches in obtaining financial information. We also complement our analyses by examining the association between return volatility and Internet search volumes. If Internet searches capture investors' attention associated with a change in firm-specific fundamentals such as new product releases, stock splits and so on, a firm's return volatility is likely to increase while search results can provide value-relevant information to investors. Our results suggest that in general, an increase in the volume of Internet searches is not positively associated with return volatility. However, we find a positive association between Internet searches and return volatility when the sample is limited to larger firms. A stronger result from larger firms implies that investors still pay less attention to the information obtained from Internet searches for small firms while the information is value relevant in assessing stock values. However, we do find any systematic differences in the magnitude of Internet searches impact on return volatility by time periods. Taken together, our results shed new light on the value of information searched from the Internet in assessing stock values. Given the informational role of the Internet in stock markets, we believe the results would guide investors to exploit Internet search tools to be better informed, as a result improving their investment decisions.

A Study of Korean Costume in the Collection of Overseas Museums (해외 박물관 소장 한국 복식문화재에 관한 연구)

  • 윤은재;임영자
    • Journal of the Korean Society of Costume
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    • v.36
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    • pp.219-238
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    • 1998
  • For the purpose of this Study, the situation of Korean costume properties in the collection of overseas museums was investigated through correspondence, interviews with their curators and persons in charge and survey. As results were made about the situation of museum science (conservation) and practical utilization of costume properties. So, the study result were drawn as follows : Krean costume properties unexplaind of 'Korean cultural Properties' could be found in the Metropolitan Museum of Art of New York(135 pieces), the Brooklyn Museum of New York(20 pieces), the Newark Museum of New Jersey(15 pieces), and the Victoria Albert Museum of London(100 pieces). Korean costume properties in the collection of over-seas museums mostly fall under the rang of period between the 19th century and the early 20th century and are classified into everyday clothing, wedding costume and armors for the most part. In 1900s, museum in several countries began to collected Korean cultural properties through foreign missionaries or diplomats as well as merchants or travellers in who bought Korean objects. Recently, scholars, traditional Korean costume designerss and diplomatic and consular offices in overseas have donated our Korean costume to many foreign museums. Korean costume properties were largely on display in the dependent display of folklore museums or in a part of exhibition gallery for Asian culture and there were the separate exhibition rooms in museums in the United Kingdom, Germany, Denmark, Austria, Japan and the United States America. But the size and level of display room for Korean cultural properties is one third as large as that for chinese or Japanese cultual properties. It was found in this study that the traditional Korean costume in the collection of overseas museums was largely recorded only as general items rather than given their proper names. The typical example of misnaming included bridal's Kimono for Wonsam(원삼) in the Metropolitan Museum of Art, Yeonroksaek-bumunsajeokori for Dangeui(당의) and Jissan-gryongwonmunsadurumagi for Kongdali(동달이) in the Okura collection of the Tokyo National Museum, and so on. And the Victoria Albert Museum modified the way of wearing Daenim(대님) and the National Museum of Ethnology in Osaka seemed to misplace the ornament of Keanggi(댕기) on Mubok(무복) and Josunjuk(조선족: Chinese-Korean) Museum also misplace hansam(한삼). On the one hand, the Newark museum of New Jersey mixed Chinese armor with the Korean one and the Photohraph of King Kojong(고종) with Chinese one. It is corrected to publish and disseminate the book concering Korean costume in order to inform foreign museums of thed proper names and wearing method of our traditional costumed. The repair of costume before cleaning in the process of conservation treatment can prevent damage likely to occur as the properties of fiber itself are weakened in liquid. It is recommended that western 8-figure stitch and tacking stitch is added to Korean traditional stitching method. Museums in the U.S.A and the U.K are concerned about the aftermath of cleaning it-self, specially conservation treatment may exert on remains and predominantly use the vacuuming method to remove dust or bits of straw before the exhibition beings. But in case of Korea, the dry cleaning and wet cleaning method are used according to the nature and state of a sample costume. This comprehensive cleaning method is gradually developing scientifically but it is expected that those concerned will make a chemical analysis of the solvent to be used and also the more precise test of costume properties will be conducted before cleaning them. A partial study was made here because the scope of study was too broad and vast. It is expected that more studies will be conducted concerning our costume culture under the long-term plan and active support at the government level.

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A Study on Characteristics of Self-weight Consolidation of Bottom Ash Mixed Soil (Bottom Ash 혼합토의 자중압밀 특성 연구)

  • Yoon, Won-Sub;Shin, Seung-Gu;Chae, Young-Su
    • Journal of the Korean Geosynthetics Society
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    • v.14 no.4
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    • pp.59-77
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    • 2015
  • In order to meet the new requirements for landfill materials, this study planned a study to apply mixed soil of mixing bottom ash and coastal dredged soil to the dredged ground. Coal ash generated from thermal power plant is divided into fly ash and bottom ash. In the case of fly ash, many studies have been conducted because small particles causes permeability coefficient to be small during recycling so no problem has been raised in the environmental area but the utilization of bottom ash has been limited because environmental problems have been raised during recycling due to its larger particle size and greater permeability coefficient. According to recently published studies, however, the results of the study that conducted the water analysis of leachate generated in the ground improvement section using bottom ash showed that heavy metal contamination levels were found to be within the reference value and no significant environmental problems were found so utilization of bottom ash is evaluated to increase significantly in the future. This bottom ash has the particle size of sand and only transportation costs need to be considered when providing materials because the majority has been disposed and it is judged as the most suitable material in dredging landfill in the economic aspect because most thermal power plants are located in the coast and transportation costs can be reduced by ship. Also, research on mixed soil that can maximize the effect of the construction period and construction cost savings than dredged soil is determined as needed because the demand for coastal dredging reclamation is increasing such as Saemangeum project etc. Therefore, we studied self-weight consolidation characteristics depending on sample processing and mixing method of mixed soil by carrying out interior self-weight consolidation experiments on mixed soil of mixing bottom ash and Kaolinite according to the new development needs of recent coastal reclaimed ground and these result findings are expected to be used as basic data when applying the large coastal dredged ground in the future.

A Study on the Verification of an Indoor Test of a Portable Penetration Meter Using the Cone Penetration Test Method (자유낙하 콘관입시험법을 활용한 휴대용 다짐도 측정기의 실내시험을 통한 검증 연구)

  • Park, Geoun Hyun;Yang, An Seung
    • Journal of the Korean GEO-environmental Society
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    • v.20 no.2
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    • pp.41-48
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    • 2019
  • Soil compaction is one of the most important activities in the area of civil works, including road construction, airport construction, port construction and backfilling construction of structures. Soil compaction, particularly in road construction, can be categorized into subgrade compaction and roadbed compaction, and is significant work that when done poorly can serve as a factor causing poor construction due to a lack of compaction. Currently, there are many different types of compaction tests, and the plate bearing test and the unit weight of soil test based on the sand cone method are commonly used to measure the degree of compaction, but many other methods are under development as it is difficult to secure economic efficiency. For the purpose of this research, a portable penetration meter called the Free-Fall Penetration Test (FFPT) was developed and manufactured. In this study, a homogeneous sample was obtained from the construction site and soil was classified through a sieve analysis test in order to perform grain size analysis and a specific gravity test for an indoor test. The principle of FFPT is that the penetration needle installed at the tip of an object put into free fall using gravity is used to measure the depth of penetration into the road surface after subgrade or roadbed compaction has been completed; the degree of compaction is obtained through the unit weight of soil test according to the sand cone method and the relationship between the degree of compaction and the depth of the penetration needle is verified. The maximum allowable grain size of soil is 2.36 mm. For $A_1$ compaction, a trend line was developed using the result of the test performed from a drop height of 10 cm, and coefficient of determination of the trend line was $R^2=0.8677$, while for $D_2$ compaction, coefficient of determination of the trend line was $R^2=0.9815$ when testing at a drop height of 20 cm. Free fall test was carried out with the drop height adjusted from 10 cm to 50 cm at increments of 10 cm. This study intends to compare and analyze the correlation between the degree of compaction obtained from the unit weight of soil test based on the sand cone method and the depth of penetration of the penetration needle obtained from the FFPT meter. As such, it is expected that a portable penetration tester will make it easy to test the degree of compaction at many construction sites, and will lead to a reduction in time, equipment, and manpower which are the disadvantages of the current degree of compaction test, ultimately contributing to accurate and simple measurements of the degree of compaction as well as greater economic feasibility.

Factors Affecting Physicians who will be Vaccinated Every Year after Receiving the COVID-19 Vaccine in Healthcare Workers (의료종사자의 COVID-19 예방 백신 접종받은 후 향후 매년 예방접종 의향에 미치는 요인)

  • Hyeun-Woo Choi;Sung-Hwa Park;Eun-Kyung Cho;Chang-hyun Han;Jong-Min Lee
    • Journal of the Korean Society of Radiology
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    • v.17 no.2
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    • pp.257-265
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    • 2023
  • The purpose of this study was to vaccinate every year according to the general characteristics of COVID-19, whether to vaccinate every year according to the vaccination experience, whether to vaccinate every year according to knowledge/attitude about vaccination, and negative responses to the vaccinate every year In order to understand the factors affecting the vaccination physician every year by identifying the factors of Statistical analysis is based on general characteristics, variables based on vaccination experience, and knowledge/attitudes related to vaccination. The doctor calculates the frequency and percentage, A square test (-test) was performed, and if the chi-square test was significant but the expected frequency was less than 5 for 25% or more, a ratio difference test was performed with Fisher's exact test. Through multiple logistic regression analysis using variables that were significant in simple analysis, a predictive model for future vaccination and the effect size of each independent variable were estimated. As statistical analysis software, SAS 9.4 (SAS Institute Inc., Cary, NC, USA) was used, and because the sample size was not large, the significance level was set at 10%, and when the p-value was less than 0.10, it was interpreted as statistically significant. In the simple logistic regression analysis, the reason why they answered that they would not be vaccinated every year was that they answered 'to prevent infection of family and hospital guests' rather than 'to prevent my infection' as the reason for the vaccination. It was 11.0 times higher and 3.67 times higher in the case of 'for the formation of collective immunity of the local community and the country'. The adverse reactions experienced after the 1st and 2nd vaccination were 8.42 times higher in those who did not experience pain at the injection site than those who did not, 4.00 times higher in those who experienced swelling or redness, and 5.69 times higher in those who experienced joint pain. There was a 5.57 times higher rate of absenteeism annually than those who did not. In addition, the more anxious they felt about vaccination, the more likely they were to not get the vaccine every year by 2.94 times.

Design of Client-Server Model For Effective Processing and Utilization of Bigdata (빅데이터의 효과적인 처리 및 활용을 위한 클라이언트-서버 모델 설계)

  • Park, Dae Seo;Kim, Hwa Jong
    • Journal of Intelligence and Information Systems
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    • v.22 no.4
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    • pp.109-122
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    • 2016
  • Recently, big data analysis has developed into a field of interest to individuals and non-experts as well as companies and professionals. Accordingly, it is utilized for marketing and social problem solving by analyzing the data currently opened or collected directly. In Korea, various companies and individuals are challenging big data analysis, but it is difficult from the initial stage of analysis due to limitation of big data disclosure and collection difficulties. Nowadays, the system improvement for big data activation and big data disclosure services are variously carried out in Korea and abroad, and services for opening public data such as domestic government 3.0 (data.go.kr) are mainly implemented. In addition to the efforts made by the government, services that share data held by corporations or individuals are running, but it is difficult to find useful data because of the lack of shared data. In addition, big data traffic problems can occur because it is necessary to download and examine the entire data in order to grasp the attributes and simple information about the shared data. Therefore, We need for a new system for big data processing and utilization. First, big data pre-analysis technology is needed as a way to solve big data sharing problem. Pre-analysis is a concept proposed in this paper in order to solve the problem of sharing big data, and it means to provide users with the results generated by pre-analyzing the data in advance. Through preliminary analysis, it is possible to improve the usability of big data by providing information that can grasp the properties and characteristics of big data when the data user searches for big data. In addition, by sharing the summary data or sample data generated through the pre-analysis, it is possible to solve the security problem that may occur when the original data is disclosed, thereby enabling the big data sharing between the data provider and the data user. Second, it is necessary to quickly generate appropriate preprocessing results according to the level of disclosure or network status of raw data and to provide the results to users through big data distribution processing using spark. Third, in order to solve the problem of big traffic, the system monitors the traffic of the network in real time. When preprocessing the data requested by the user, preprocessing to a size available in the current network and transmitting it to the user is required so that no big traffic occurs. In this paper, we present various data sizes according to the level of disclosure through pre - analysis. This method is expected to show a low traffic volume when compared with the conventional method of sharing only raw data in a large number of systems. In this paper, we describe how to solve problems that occur when big data is released and used, and to help facilitate sharing and analysis. The client-server model uses SPARK for fast analysis and processing of user requests. Server Agent and a Client Agent, each of which is deployed on the Server and Client side. The Server Agent is a necessary agent for the data provider and performs preliminary analysis of big data to generate Data Descriptor with information of Sample Data, Summary Data, and Raw Data. In addition, it performs fast and efficient big data preprocessing through big data distribution processing and continuously monitors network traffic. The Client Agent is an agent placed on the data user side. It can search the big data through the Data Descriptor which is the result of the pre-analysis and can quickly search the data. The desired data can be requested from the server to download the big data according to the level of disclosure. It separates the Server Agent and the client agent when the data provider publishes the data for data to be used by the user. In particular, we focus on the Big Data Sharing, Distributed Big Data Processing, Big Traffic problem, and construct the detailed module of the client - server model and present the design method of each module. The system designed on the basis of the proposed model, the user who acquires the data analyzes the data in the desired direction or preprocesses the new data. By analyzing the newly processed data through the server agent, the data user changes its role as the data provider. The data provider can also obtain useful statistical information from the Data Descriptor of the data it discloses and become a data user to perform new analysis using the sample data. In this way, raw data is processed and processed big data is utilized by the user, thereby forming a natural shared environment. The role of data provider and data user is not distinguished, and provides an ideal shared service that enables everyone to be a provider and a user. The client-server model solves the problem of sharing big data and provides a free sharing environment to securely big data disclosure and provides an ideal shared service to easily find big data.

An Exploratory Study on the Effects of Relational Benefits and Brand Identity : mediating effect of brand identity (관계혜택과 브랜드 동일시의 역할에 관한 탐색적 연구: 브랜드 동일시의 매개역할을 중심으로)

  • Bang, Jounghae;Jung, Jiyeon;Lee, Eunhyung;Kang, Hyunmo
    • Asia Marketing Journal
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    • v.12 no.2
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    • pp.155-175
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    • 2010
  • Most of the service industries including finance and telecommunications have become matured and saturated. The competitions have become severe while the differences among brands become smaller. Therefore maintaining good relationships with customers has been critical for the service providers. In case of credit card and debit card, the similar patterns are shown. It is important for them to maintain good relationships with customers, and therefore, they have used marketing program which provides customized services to customers and utilizes the membership programs. Not only do they build and maintain good relationships, but also highlight their brands from the emotional aspects. For example, KB Card or Hyundai Card uses well-known designers' works for their credit card design. As well, they differentiate the designs of credit cards to stress on their brand personalities. BC Card introduced the credit card with perfume that a customer would like. Even though the credit card is small and not shown to public easily, it becomes more important for those companies to touch the customers' feelings with the brand personalities and their images. This is partly because of changes in consumers' lifestyles. Y-generations becomes highly likely to express themselves in many different ways and more emotional than X-generations. For the Y-generations, therefore, even credit cards in the wallet should be personalized and well-designed. In line with it, credit cards with good design can be seen as an example of brand identity, where different design for each customer can be used to recognize the membership groups that customers want to belong. On the other hand, these credit card companies offer the special treatment benefits for those customers who are heavy users for the cards. For example, those customers who love sports will receive some special discounts when they use their credit cards for sports related products. Therefore this study attempted to explore the relationships between relational benefits, brand identification and loyalty. It has been well known that relational benefits and brand identification lead to loyalty independently from many other studies, but there has been few study to review all the three variables all together in a research model. Furthermore, as reviewed above, in the card industry, many companies attempt to associate the brand image with their products to fit their customers' lifestyles while relational benefits are still playing an important role for their business. Therefore in our research model, relational benefits, brand identification, and loyalty are all included. We focus on the mediating effect of brand identification. From the relational benefits perspective, only special treatment benefit and confidence benefit are included. Social benefit is not applicable for this credit card industry because not many cases of face-to-face interaction can be found. From the brand identification perspective, personal brand identity and social brand identity are reviewed and included in the model. Overall, the research model emphasizes that the relationships between relational benefits and loyalty will be mediated by the effect of brand identification. The effects of relational benefits which are confidence benefit and special treatment benefits on loyalty will be realized when they fit to the personal brand identity and social brand identity. In the research model, therefore, the relationships between confidence benefit and social brand identity, and between confidence benefit and personal identity are hypothesized while the effects of special treatment benefit on social brand identity and personal brand identity are hypothesized. Loyalty, then, is hypothesized to have positive relationships with personal brand identity and social brand identity. In addition, confidence benefit among the relational benefits is expected to have a direct, positive relationship with loyalty because confidence benefit has been recognized as a critical factor for good relationships and satisfaction. Data were collected from college students who have been using either credit cards or debit cards. College students were regarded good subjects because they are in Y-generation cohorts and have tendency to express themselves more. Total sample size was two hundred three at the beginning, but after deleting those data with many missing values, one hundred ninety-seven data points were remained and used for the model testing. Measurement items were brought from the previous literatures and modified for this research. To test the reliability, using SPSS 14, chronbach's α was examined and all the values were from .874 to .928 exceeding over .7. Using AMOS 7.0, confirmatory factor analysis was conducted to investigate the measurement model. The measurement model was found good fit with χ2(67)=188.388 (p= .000), GFI=.886, AGFI=.821, CFI=.941, RMSEA=.096. Using AMOS 7.0, structural equation modeling has been used to analyze the research model. Overall, the research model fit were χ2(68)=188.670 (p= .000), GFI=.886, AGFI=,824 CFI=.942, RMSEA=.095 indicating good fit. In details, all the paths hypothesized in the research model were found significant except for the path from social brand identity to loyalty. Personal brand identity leads to loyalty while both confidence benefit and special treatment benefit have a positive relationships with personal and social identities. As well, confidence benefit has a direct positive effect on loyalty. The results indicates the followings. First, personal brand identity plays an important role for credit/debit card usage. Therefore even for the products which are not shown to public easy, design and emotional aspect can be important to fit the customers' lifestyles. Second, confidence benefit and special treatment benefit have a positive effects on personal brand identity. Therefore it will be needed for marketers to associate the special treatment and trust and confidence benefits with personal image, personality and personal identity. Third, this study found again the importance of confidence and trust. However interestingly enough, social brand identity was not found to be significantly related to loyalty. It can be explained that the main sample of this study consists of college students. Those strategies to facilitate social brand identity are focused on high social status groups while college students have not been established their status yet.

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