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Reforming Business Classification Systems of Merchants: A Case of S-Card's Customer Segmentation Strategy (S카드사의 가맹점 분류체계 정비를 통한 고객세분화 전략)

  • Park, Jin-Soo;Chang, Nam-Sik;Hwang, You-Sub
    • Information Systems Review
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    • v.10 no.3
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    • pp.89-109
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    • 2008
  • Korean card firms suffered harsh setbacks due to high credit defaults in 2002 and 2003, after issuing cards recklessly. Their key principle is changed to grow without damaging profitability and financial soundness. However, competition in the credit card market is heating up rapidly. Bank-affiliated card firms, having stronger sales networks and more capital than independent issuers, have increased their investments in card affiliates in a bid to develop new cash cows. Moreover, newly emerging independent card firms have waged fiercer campaigns to raise their credit card market share. In order to overcome these business conditions, S-card has settled on a strategy that focuses on stepping up marketing aimed at increasing charge card spending rather than credit card loans or cash lending services. Accordingly, S-card reformed the current business classification system of merchants, which was out-of-dated and originally built for the purpose of deciding merchant service fees only. They also drove customer segmentation planning to deliver the right customers to the right merchants. In this paper, we emphasize the problems of business classification systems of merchants with which most credit card firms have faced, and the need for reforming them not only to provide customer-tailored services but also to raise their business promotion excellence by reviewing S-card's process of customer segmentation.

A Study of Shielding Property of Magnetic Field for the Film Impregnated with Soft Magnetic Powder (연자성 합금분말을 함침시킨 필름의 자계 차폐 특성 연구)

  • Park, Jong-Hyun;Ra, Keuk-Hwan;Kang, Eun-Kyun;Kim, Jin-Woo
    • Journal of the Institute of Electronics and Information Engineers
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    • v.51 no.1
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    • pp.211-218
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    • 2014
  • In this paper the magnetic field properties of the soft magnetic alloys (Fe-Si-Cr and Fe-Ni-Cr) are studied in advance for the development of electro-magnetic shielding films, which could be used in the IT Devices (NFC, mobile phone, computer, etc.).As a result each of the selected soft magnetic alloy melts of the corresponding compositions is water-dispersed into the disk-shaped grains, which are soaked in polymer resin, and of which two types of thin film of thickness 0.1mm and 1mm are made by passing through the heating calendar roller. And the magnetic permeability and the shielding effectiveness of the polymer films containing the soft magnetic alloy grains are measured over the whole frequency bands from the low frequency to 10GHz. Before the experiments of the soft magnetic alloy, a special equation is proposed to estimate the permeability of the alloy, and the equation is verified with the pre-published data by MATLAB, and from which the most optimal compositions can be decided. And the SE(Shielding Effectiveness) of the polymer films containing the soft magnetic alloy grains is simulated by the HFSS.

Developing of VOC sensor Signal Processing System using Embedded System on the Web Environment (웹 환경에서 임베디드 시스템을 이용한 VOC센서 원격 신호 모니터링 시스템 개발)

  • Park, Jin-Kwan;Lim, Hae-Jin;Nam, Si-Byung
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.12 no.1
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    • pp.375-383
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    • 2011
  • Recent advances in digital technology and diversified internet services have resulted in a rapid growth of research on monitering systems using embedded web servers in USN systems. In designing USN systems equipped with wireless sensor modules requiring extra power for heating sensors for their appropriate operations, excessive power consumption introduces inefficiency to the entire system. In this paper, using embedded systems in web environment, we develop a remote-monitoring system with VOC (Volatile Organic Compounds) sensor signal, and propose a real time method of processing sensor-data streams by way of the serial bus from the sensor module in the USN system. The proposed system has an advantage of monitering the harmful gases on real-time basis and can be used semi-permanently by providing the sensor module with power through the serial bus. The harmful gas to be detected by the VOC sensor module is Toluene and the sensor module is composed of TGS-2602 VOC(Volatile Organic Compounds) sensors of FIGARO. The detected signal is transferred to the embedded web server using the RS-485 serial communication device. The proposed remote VOC monitering system is designed to coordinate in such a way that the VOC sensor module and embedded web server (EMPOS-II) work together effectively for real time monitering of harmful gases on the web at any places where the internet is connected.

Influence of Co-sputtered HfO2-Si Gate Dielectric in IZO-based thin Film Transistors (HfO2-Si의 조성비에 따른 HfSiOx의 IZO 기반 산화물 반도체에 대한 연구)

  • Cho, Dong Kyu;Yi, Moonsuk
    • Journal of the Institute of Electronics and Information Engineers
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    • v.50 no.2
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    • pp.98-103
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    • 2013
  • In this work, we investigated the enhanced performance of IZO-based TFTs with $HfSiO_x$ gate insulators. Four types of $HfSiO_x$ gate insulators using different diposition powers were deposited by co-sputtering $HfO_2$ and Si target. To simplify the processing sequences, all of the layers composing of TFTs were deposited by rf-magnetron sputtering method using patterned shadow-masks without any intentional heating of substrate and subsequent thermal annealing. The four different $HfSiO_x$ structural properties were investigated x-ray diffraction(XRD), atomic force microscopy(AFM) and also analyzed the electrical characteristics. There were some noticeable differences depending on the composition of the $HfO_2$ and Si combination. The TFT based on $HfSiO_x$ gate insulator with $HfO_2$(100W)-Si(100W) showed the best results with a field effect mobility of 2.0[$cm^2/V{\cdot}s$], a threshold voltage of -0.5[V], an on/off ratio of 5.89E+05 and RMS of 0.26[nm]. This show that the composition of the $HfO_2$ and Si is an important factor in an $HfSiO_x$ insulator. In addition, the effective bonding of $HfO_2$ and Si reduced the defects in the insulator bulk and also improved the interface quality between the channel and the gate insulator.

Hot carrier induced device degradation in amorphous InGaZnO thin film transistors with source and drain electrode materials (소스 및 드레인 전극 재료에 따른 비정질 InGaZnO 박막 트랜지스터의 소자 열화)

  • Lee, Ki Hoon;Kang, Tae Gon;Lee, Kyu Yeon;Park, Jong Tae
    • Journal of the Korea Institute of Information and Communication Engineering
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    • v.21 no.1
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    • pp.82-89
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    • 2017
  • In this work, InGaZnO thin film transistors with Ni, Al and ITO source and drain electrode materials were fabricated to analyze a hot carrier induced device degradation according to the electrode materials. From the electrical measurement results with electrode materials, Ni device shows the best electrical performances in terms of mobility, subthreshold swing, and $I_{ON}/I_{OFF}$. From the measurement results on the device degradation with source and drain electrode materials, Al device shows the worst device degradation. The threshold voltage shifts with different channel widths and stress drain voltages were measured to analyze a hot carrier induced device degradation mechanism. Hot carrier induced device degradation became more significant with increase of channel widths and stress drain voltages. From the results, we found that a hot carrier induced device degradation in InGaZnO thin film transistors was occurred with a combination of large channel electric field and Joule heating effects.

Spatial, Vertical, and Temporal Variability of Ambient Environments in Strawberry and Tomato Greenhouses in Winter

  • Ryu, Myong-Jin;Ryu, Dong-Ki;Chung, Sun-Ok;Hur, Yun-Kun;Hur, Seung-Oh;Hong, Soon-Jung;Sung, Je-Hoon;Kim, Hak-Hun
    • Journal of Biosystems Engineering
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    • v.39 no.1
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    • pp.47-56
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    • 2014
  • Purpose: In protected crop production facilities such as greenhouse and plant factory, farmers should be present and/or visit frequently to the production site for maintaining optimum environmental conditions and better production, which is time and labor consuming. Monitoring of environmental condition is highly important for optimum control of the conditions, and the condition is not uniform within the facility. Objectives of the paper were to investigate spatial and vertical variability in ambient environmental variables and to provide useful information for sensing and control of the environments. Methods: Experiments were conducted in a strawberry-growing greenhouse (greenhouse 1) and a cherry tomato-growing greenhouse (greenhouse 2). Selected ambient environmental variables for experiment in greenhouse 1 were air temperature and humidity, and in greenhouse 2, they were air temperature, humidity, PPFD (Photosynthetic Photon Flux Density), and $CO_2$ concentration. Results: Considerable spatial, vertical, and temporal variability of the ambient environments were observed. In greenhouse 1, overall temperature increased from 12:00 to 14:00 and increased after that, while RH increased continuously during the experiments. Differences between the maximum and minimum temperature and RH values were greater when one of the side windows were open than those when both of the windows were closed. The location and height of the maximum and minimum measurements were also different. In greenhouse 2, differences between the maximum and minimum air temperatures at noon and sunset were greater when both windows were open. The maximum PPFD were observed at a 3-m height, close to the lighting source, and $CO_2$ concentration in the crop growing regions. Conclusions: In this study, spatial, vertical, and temporal variability of ambient crop growing conditions in greenhouses was evaluated. And also the variability was affected by operation conditions such as window opening and heating. Results of the study would provide information for optimum monitoring and control of ambient greenhouse environments.

The effect of dietary addition of herbal probiotics for the production of high quality Hanwoo (고급육생산을 위한 한방생균제 첨가급여 효과)

  • Kim, Byung Ki;Ha, Jae Jung;Yi, Jun Koo;Oh, Dong Yep;Jung, Dae Jin;Hwang, Eun Gyeoung;Lee, Jea Young
    • Journal of the Korean Data and Information Science Society
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    • v.27 no.4
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    • pp.865-874
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    • 2016
  • This study was carried out to investigate the effect of dietary addition of herbal probiotics on the Hanwoo steers' physiochemical property. A total of 50 Hanwoo steers (5 treatment groups${\times}$10 heads) were used. The crude fat content of beef has been found significant high in T2 and T3 group, and the Con 2 group had the highest heating loss (p<0.05). The water-holding capacity ranged from 56.73% through 60.16%, and the treatment group was generally higher than the control group. In particular, the T3 group showed significantly high water-holding capacity (p<0.05). The cholesterol content ranged from 41.64mg/100g through 47.33mg/100g. In the overall and the Con 2 group had significantly high cholesterol content (p<0.05). Furthermore, the oleic acid and MUFA had significant high T2 and T3 group in the fatty acid composition (p<0.05), but the amino acid content made no difference between the treatment groups.

Carbon Emission Model Development using Urban Planning Criteria - Focusing on the Case of Seoul (도시공간 계획요소를 이용한 이산화탄소 배출량 산정 모델 개발 - 서울시를 사례로)

  • Kim, In-Hyun;Oh, Kyu-Shik;Jung, Seung-Hyun
    • Spatial Information Research
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    • v.19 no.6
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    • pp.11-18
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    • 2011
  • Urban space is the main contributor of greenhouse gas emissions, a primary cause of global warming. In order to reduce greenhouse gas emissions, planning at a city-level is necessary. The aim of this research is to develop a carbon emission model which can be used to create and manage urban spaces. In order to achieve this aim, the following methodologies were utilized. First, urban planning criteria related to population, landuse, and activity level were selected through theoretical speculation. Second, carbon dioxide emission was calculated based on electricity, gas energy, heating, petroleum, and water usages. Third, Seoul was selected as a case study city, and a carbon emission model was developed through a relational analysis between Seoul's urban planning criteria and carbon emissions. Thus far, various efforts have been made to respond to climate changes in urban spaces, but these have been limited to analyzing contributing factors in terms of their total amounts of carbon emissions in the entire city. However, the carbon emission model of this study is derived from urban planing criteria at a detailed scale. This sets our study apart from other studies by demonstrating a specific model in a local setting which can be utilized for lowering carbon emissions at a city level.

Methodology for Estimating the Probability of Damage to a Heat Transmission Pipe (열수송관 파손확률 추정 방법론 개발)

  • Kong, Myeongsik;Kang, Jaemo
    • Journal of the Korean GEO-environmental Society
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    • v.22 no.11
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    • pp.15-21
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    • 2021
  • Losses of both life and property increased from damage to underground pipe such as heat transmission pipe buried underground in downtown because pipes are gradually aging. Considering the characteristics of the heat transmission pipe, which is not exposed to the outside and difficult to immediately identify problems such as damage, it is realistic to indirectly check the condition of the facility based on the historical information that is periodically collected through facility maintenance. In this study, a methodology for estimating the damage probability was developed by examining the history information of the heat transmission pipe, deriving an evaluation factor that is related to the damage probability. The contribution factor of the damage probability were reviewed by analyzing not only the guidelines for maintenance of heat transmission pipe of advanced European countries and domestic district heating companies, but also the cases of waterworks with similar characteristics. Evaluation factors were selected by considering not only the correlation with the damage probability but also the possibility of securing data. Based on 1999, when the construction technology and standards of heat transmission pipe changed, the damage probability estimation function according to the period of use was divided into the case of being buried before 1998 and the case of being buried after 1999, and presented. In addition, the damage probability was corrected by assigning weights according to the measured data for each evaluation factor such as the diameter, use, and management authority.

Design and Performance Analysis of Magnetic Resonant Wireless Power Transfer Receiver for Implant Medical Device (인체 삽입형 자기 공진 무선전력전송 수신기 설계 및 성능 분석)

  • Kim, Sungjae;Ku, Hyunchul
    • The Journal of Korean Institute of Electromagnetic Engineering and Science
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    • v.29 no.12
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    • pp.935-941
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    • 2018
  • In this study, we propose a suitable magnetic resonant wireless power transfer(WPT) system topology for size-limited implant medical devices(IMDs). The proposed modified series-parallel topology(mSPT) can be implemented by adding an inductor in series to the parallel-connected Rx coil and a capacitor. The topology achieves high efficiency when the Rx coil has a small inductance. The validity and operating conditions of the system are verified theoretically through circuit analysis. Experiments were conducted with bio-blocks, which are made of pork fat and muscle. When the Rx coils were inserted into the blocks at a depth of 2.5~10 mm, mSPT showed 17.79 % improved efficiency on average compared with the conventional series-series topology(SST). In the case of 32 dBm WPT in air, the Rx coil's heating rate for the mSPT was $0.18^{\circ}C/s$, whereas the SST was $0.75^{\circ}C/s$. It was confirmed that the mSPT is more suitable for an IMD-targeted WPT system.