• Health Policy and Management
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• v.33 no.4
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• pp.379-388
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• 2023

This study aims to propose the implementation of innovative payment models in Korea in order to promote the financial sustainability of the national health insurance system by reviewing the current status of the payment system in Korea and examining other countries' experiences with various innovative payment models. Korea primarily uses a fee-for-service payment system and additionally uses various payment systems such as case payment, per diem, and pay-for-performance. However, each payment system has its limitations. Many OECD (Organization for Economic Cooperation and Development) countries have pointed out the limitations of existing payment systems and have been attempting various innovative payment models (e.g., add-on payment, bundled payment, and population-based payment). Therefore, it is essential for Korea to consider innovative payment models, such as a mixed payment model that takes into account the strengths and weaknesses of each payment system, and to design and pilot these models. This process requires stakeholders to work together to build a social consensus on the implementation of innovative payment systems and to refine legal and systematic aspects, develop an integrated health information system, and establish dedicated organizations and committees. These efforts towards innovative payment models will contribute to developing a sustainable health insurance system that ensures the public's health and well-being in Korea.

• Journal of Korean Society of Industrial and Systems Engineering
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• v.33 no.4
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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.

• The Journal of Society for e-Business Studies
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• v.4 no.2
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• pp.81-94
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• 1999

This paper shows the architecture of IPS(Intermarket Payment System), an implementation of the electronic payment function for internet-shopping merchant system. Because the original purpose of commerce transaction is the exchange of money for goods or services, it is very important to prepare an exchangeable economic value or method. The electronic payment system is the hardware or software or both to process an electronic payment transaction. It has two type, the broker type and the electronic value type. The broker type means an intermediator between real bank network and internet commerce transaction. The electronic value type means a substitute for money in the real world. This paper shows the architecture and the function to implement the broker type electronic payment system. The system has two parts. One is the mediator part to support multiple payment systems and to offer common access methods for merchant system database. The other is the executor part to implement the payment protocol and to process payment transaction.

• The Journal of the Korea institute of electronic communication sciences
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• v.10 no.5
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• pp.607-614
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• 2015

In this paper, we propose about NFC-based mobile Easy Payment System. Already announced about kind of similar payment system by use smart phone NFC function. However this proposition system will uses an encrypted token and user indirect authentication. This feature makes through to simplify payment without other input necessary information. Also my proposition system has easy security certification process. This mean my system does not adequately to use payment of a large amount. But in retail payment will be very useful payment system.

• Journal of Information Technology Services
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• v.13 no.4
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• pp.325-340
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• 2014

Mobile payment system using NFC attracted attention as the mobile payment market grows due to the fast diffusion of smart phones. However, non NFC mobile payment recently appeared because of the slow growth of infrastructure for NFC. With advent of Non NFC mobile payment applications, mobile payment industry is in developing trend. Non NFC mobile payment revitalizes the market by overcoming the limit of NFC with the smart applications using bar code and QR code payment, and providing various discounts, membership benefits and payment information. Therefore, this paper analyzed the intention of continuous use with the quality of mobile payment application based on the information system success model. Three categories of factors which are system quality, service quality, and information quality were used. We verified the significance of the factors affecting the intension of continuous use. mainly, quality of information was considered as an important factor of continuous Intention to Use. Also, unlike previous NFC, it was found that in Non-NFC, compatibility might not be as important factor. Moreover, we suggest a marketing strategy of companies for mobile payment industry which focus on information quality. and future research directions for non NFC payment market.

• Journal of Korea Society of Digital Industry and Information Management
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• v.15 no.4
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• pp.51-62
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• 2019

Recently, as the number of Smart Phone users increase, the simple payment system has been able to make payments using only card information such as a registered password without extra authorized certificate authentication or input of card information. In this paper, it will examine and analyze simple payment system provided by IT companies and financial institutions and the simple payment system that operates global online payment system by case view of operational direction. Then with this examination, it will study ways to improve the problems with terms of convenience and stability in terms of users. In this paper, it will analyze the inconvenient problem in using the QR code system that recently introduced and will propose solutions. Also, it will propose suggestions to solve inconvenience that caused by system that supports NFC simple payment terminal in Korea is not universalize by analyze case study on the overseas simple payment system. It will also propose opinions on the matters that customer having responsible for event of a small financial accident related to loss or theft when using the simple payment system. Then it will suggest expected requirements to prepare new security technical countermeasures and solve the conditions of meeting expectation satisfaction of users.

• Journal of Information Technology Applications and Management
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• v.25 no.1
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• pp.105-124
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• 2018

The usage level of SMEs' win-win payment system is still lower than originally expected. In order to find the answer, we studied SMEs' usage performance of win-win payment system and analyzed the influencing factors of SMEs' usage level of win-win payment system. This study found that the more SMEs utilize win-win payment system, the higher they achieve the desired performance in finance, customer, process, learning and growth perspective. And this study found that usage level of win-win payment system is high in order of large corporations' pressure, government policy, and SMEs' readiness. This study is expected to improve win-win growth by increasing usage level of win-win payment system between large corporations and SMEs, while establishing desirable ecosystems.

• 한국경영정보학회:학술대회논문집
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• 2007.06a
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• pp.646-651
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• 2007

Secure digital payment is critical in the successful shaping of global digital business. Digital payments are increasingly being used as a substitute to traditional payments, contributing markedly to the efficiency of the economy. The focus of every digital business transaction is to minimize risks arising from transactions. It is essential to ensure the security of digital payment whether used in internal networks or over wireless Internet. This paper analyses secure digital payment methods from the viewpoint of systemic security and transaction security. According to comparative analysis of digital payment models, this paper proposes a comparative analysis framework to investigate and evaluate secure digital payment. In conclusion, the comparative analysis framework, comparison of digital payment models and mobile payment models proposes a useful academic and practical foundation to enhance the understanding of secure digital payment methods. It also provides academic background and practical guidelines for the development of secure digital payment systems.

• Journal of Information Technology Services
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• v.14 no.4
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• pp.171-184
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• 2015

Nowadays, mobile commerce is having an increasingly profound impact on our daily lives, and offer interesting and advantageous new services. Mobile payment is an emerging and important application of mobile commerce in smart work, enabling users to use their mobile devices (especially mobile phones) for paying goods and services wherever they go. The appearance of m-payment is expected to provide us a convenient and bright future to enjoy. That is the common trend on over the world, but in Vietnam, although the number of smart phone users has been increasing rapidly, the adoption of m-payment system still didn't succeed completely. The research reviewed literature regarding mobile payment services, analyzed the impact of customer characteristics and system characteristics on m-payment adoption in Vietnam. To analyze the adoption behaviors of m-payment users, m-payment research model which consists of three customer-characteristics (m-payment trust, personal innovativeness, m-payment knowledge) and four m-payment system characteristics (mobility, reachability, convenience, compatibility) were studied. The results indicate that perceived usefulness, trust, and compatibility are the important predictors to the intention to use m-payment. This study will assist m-payment services suppliers in implementing appropriate business models and service strategies to successfully attract customer to use m-payment in Vietnam, allowing managers to exert appropriate investment, time, and effort for m-payment system development in designing smart working.

• Journal of Information Technology Services
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• v.13 no.4
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• pp.245-254
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• 2014

Payment system is defined as the various contracts and operating facilities for the transfer of monetary value to clear the relationship between credit and debt. Payment systems essentially require the efficient and reliable operations. Card-based payment systems are developed practically and creatively in accordance with the progress of ICT. Especially in mobile environment with intelligent mobile devices such as smart-phones and tablets, a variety of payment services are provided. Existing card-based payment services are configured by the payment transaction initiated by the merchants card acceptance and then swiping into the CAT (Card Authorization Terminal) to begin the transaction. The merchant initiated payment services are now applied to the Wireless CAT (W-CAT) for mobile environment. That kind of payment services cause many problems such the illegal card information leaks and the lingering threat of W-CAT theft. Also, the use of many W-CATs increased cost to the merchant. In this paper, we propose the card holder initiated card payment system using the intelligent mobile devices in mobile environment for solving problems of the existing merchant initiated card payment system and coping effectively with the activation of a wireless data network and changes of information technology.