• 통상정보연구
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• 제11권1호
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• pp.27-43
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• 2009

This article explored the customers protection regulations in electronic payment system by Article 4A of the UCC and EFTA of 1978 and by Electronic Financial Transaction Act of Korea. Both Korea and America have various regulations to protect concerned parties(customers). For examples, the errors of payment order, money-back guarantee, and unauthorized payment order etc. First, this Article focuses on the allocation of risk of loss caused by ambiguous term in payment orders that do not express the subjective intention of the senders. Second, most rights and obligations created by Article 4A of America can be varied with the agreement of affected parties. But there are some exceptions. The exceptions include the money-back guarantee. So Receiving bank have to pay to originator the ordered money included interest. However, Korea also has money-back guarantee but bank do not pay interest to sender. Lastly, Electronic Funds Transfer Act of 1978 and Regulation E has US$ 50 regulation in order to protect customers on the unauthorized payment order. Article 4A imposes duty to detect unauthorized payment orders to originator in relation to the establishment of commercially reasonable security procedure, while Korean law imposes the duty to notify the bank in order to decrease the loss resulted from unauthorized payment order.

• 한국생활과학회지
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• 제15권3호
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• pp.491-499
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• 2006

The purpose of this study is to measure the pizza purchasing behavioral characteristics of respondents and importances of factors affecting pizza purchase, to estimate the effects of attributes on choice of pizza restaurant, and to predict probability of selecting a particular pizza restaurant. The questionnaire consisted of two parts: The paired experimental profiles, purchasing behavior and importances of factors affecting pizza purchase. This study generated profiles of 16 hypothetical pizza restaurants based on seven attributes. The profiles comprised 16 discrete sets of variables, each of which had two levels. For this study, researcher randomly selected 150 university students as respondents. Twenty one students did not complete the survey instrument, resulting in a final sample size of 129. All estimations were carried out using frequencies, $X^2$, independent samples t-test, phreg procedure of SAS package. The results were as followed: Some purchasing behavioral characteristics and importances of factors affecting pizza purchase were significantly different by purchase frequency. Based on the estimated models developed for the two purchase frequency groups, the Chi-square statistics were significant at p<0.001. The parameter estimate for late delivery time with frequently purchase frequency group was highest, and the parameter estimate for price with frequently purchase frequency group was highest. The pizza restaurants that charged 20,000 won, offered 100% discount on eleventh pizza, promised to deliver pizza in 20 min, usually delivered the pizza as promised, offered 2 or more types of pizza crust, delivered steaming hot pizza, and did not offer a money-back guarantee which was favored by each of the two purchase frequency groups. The results from this study suggested that there was an opportunity to increase market share and profit by improving operations so that customers can receive discount and money-back guarantee simultaneously, and by reducing price, delivery time.

• 동아시아식생활학회지
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• 제16권1호
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• pp.29-36
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• 2006

The purpose of this study was to measure the pizza purchasing behavioral characteristics of respondents and importances of factors affecting pizza purchase, to estimate the effects of attributes on pizza restaurant choice, and to predict probability of selecting a particular pizza restaurant The questionnaire consisted of two parts: The paired experimental profiles, purchasing behavior and importances of factors affecting pizza purchase. This study generated profiles of 16 hypothetical pizza restaurant based on the seven attributes. The profiles comprised 16 discrete sets of variables, each of which had two levels. For this study, researcher randomly selected 150 students of university as respondents. Twenty students did not complete the survey instrument, resulting in a final sample size of 129. All estimations were carried out using frequency, correlation, phreg procedure of SAS package. The results were as followed Based on the estimated model, the -2LL(B) statistic for a model with all explanatory variables was 5585.761 and the Chi-square statistic is 134.786 with 7 df (p<0.001). At p<0.001, we would reject the null hypothesis that the attributes do not influence choice. The parameter estimate for price was highest, followed by late delivery time, promised delivery time, money-back guarantee, discount, pizza variety, and pizza temperature. The result from this study suggested that there was an opportunity to increase market share and profit by improving operations so that customers receive discount and money-back guarantee simultaneously, and by reducing price, delivery time.

• 한국식생활문화학회지
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• 제21권1호
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• pp.57-64
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• 2006

The purpose of this study was to measure the pizza purchasing behavioral characteristics of respondents and importances of factors affecting pizza purchase, to estimate the effects of attributes on pizza restaurant choice, and to predict probability of selecting a particular pizza restaurant. The questionnaire consisted of two parts: The paired experimental profiles, purchasing behavior and importances of factors affecting pizza purchase. This study generated profiles of 16 hypothetical pizza restaurant based on the seven attributes. The profiles comprised 16 discrete sets of variables, each of which had two levels. For this study, researcher randomly selected 150 students of university as respondents. Twenty students did not complete the survey instrument, resulting in a final sample size of 129. All estimations were carried out using frequencies, $X^2$, independent samples t-test, phreg procedure of SAS package. The results are as follows. Some purchasing behavioral characteristics and importances of factors affecting pizza purchase were significantly different by gender. Based on the estimated models developed for male student group and female student group, the Chi-square statistics were significant at p<0.001. The parameter estimate for late delivery time with male student group was highest, and the parameter estimate for price with female student group was highest. The pizza restaurant that charged \20,000, offered 100% discount on eleventh pizza, promised to deliver pizza in 40 mins, usually delivered the pizza as promised time, offered only 1 type of pizza crust, delivered warm pizza, offered the money-back guarantee was favored by each of male student group and female student group. The results from this study suggested that there was an opportunity to increase market share and profit by improving operations so that customers receive discount and money-back guarantee simultaneously, and by reducing price, delivery time.

• 한국건설관리학회논문집
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• 제21권4호
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• pp.21-29
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• 2020

본 연구에서는 사례분석 및 전문가 조사를 통하여 공사이행보증제도 운영의 문제점을 적시하고 개선방안을 제시하였다. 국가계약법에서는 공사계약에 있어서 계약상대자가 계약상의 의무를 이행하지 못하는 경우 계약상대자를 대신하여 계약상의 의무를 이행할 것을 보증하되, 이를 보증한 기관이 의무를 이행하지 아니하는 경우에는 일정금액을 납부할 것을 보증하는 공사이행보증서 제출을 의무화하고 있다. 현행 정부계약제도는 공사이행보증의 보증사고 시 잔여공사의 규모, 기술적 난이도, 특수공정의 포함 여부 등을 고려하지 않고 보증이행업체에게 일률적으로 당초 입찰공고 공고에서의 입찰참가자격을 요구하고 있다. 그리고 공동도급에서 보증사고가 발생했을 때, 잔존구성원에게 엄격하게 전체 계약에 대한 계약이행요건을 요구하여 많은 문제가 발생하고 있다. 본 연구에서 제시한 개선방안은 다음과 같다. 먼저, 보증이행업체 선정에서 잔여공사의 현황을 고려하여 예외적으로 보증이행업체의 자격을 완화해야 한다. 둘째, 공동도급의 경우 잔존 구성원의 계약이행요건을 '해당 계약이행요건'에서 '잔여공사의 계약이행요건'으로 완화시켜야 한다. 셋째, 보증이행공사의 하자담보책임을 원사업자 또는 보증기관이 부담하도록 공사이행보증의 채무범위에 하자담보채무가 포함되도록 개선해야 한다.