• Journal of Korea Society of Digital Industry and Information Management
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• v.7 no.3
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• pp.63-74
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• 2011

Credit cards are more convenient than cash of heavy. Therefore, credit cards are used widely in on_line (internet) and off_line in nowadays. To use credit cards on internet is commonly secure because client identification based security card and authentication certificate. However, to use in off_line as like shop, store, department, restaurant is unsecure because of irregular accident. As client identification is not used in off_line use of credit cards, the irregular use of counterfeit, stolen and lost card have been increasing in number recently. Therefore, client identification is urgently necessary for secure card using in off_line. And the method of client identification must be simple, don't take long time, convenient for client, card affiliate and card company. In this paper, we study a reform measure of the structure and transaction process for the safety improvement of a credit cards. And we propose several authentication method of short-and long-term for client identification. In the proposal, the client authentication method by OTP application of smart-phone is efficient nowadays.

• Journal of the Korean Operations Research and Management Science Society
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• v.28 no.2
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• pp.17-33
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• 2003

The explosive growth of the internet-based transactions requires not only a secure payment system but also an appropriate trust measuring methodology and secure transaction protocols to guarantee the minimal risk for the transacting entities involved in specific transactions. Especially, in internet auction systems where either buyers or sellers or both can be more than one in one transaction, providing those systems that make sure no one transacting entity takes a major risk becomes critical. In this paper, an improved trust measuring method using a relationship-based internet community for an auction system is proposed. The proposed system incorporates fuzzy set and calculation concepts to help build trust matrices and models, which is used to measure the level of risk involved in a specific auction trade concerned. Also, to optimize the auction trade process in terms of cost and time, the proposed system recommends a differentiated trade protocol according to the risk level involved in each auction trade. To test the appropriateness of the proposed trusted auction system, a prototype system has been developed under a Windows-NT environment.

• Journal of Distribution Science
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• v.20 no.1
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• pp.1-11
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• 2022

Purpose: Increasing advancements in the technology industry are forcing people to become more accustomed to digital financial transaction activities. The need for fast and secure payment mechanisms has birthing new idea to digital financial transaction services. Along with increasing access to technology in digital payments, new service is developed in the form of digital wallets as the successor for electronic money. Research design, data and methodology: This research aims to find out whether using QR code as digital payment tool can build customer loyalty in consumers, especially to measure the factors of satisfaction, trust and commitment of customers to do payments with QR Codes. The QR code in this study is refer to the Quick Response Code Indonesian Standard (QRIS) which was officially implemented by Bank Indonesia starting on January 1, 2020 as a means of payment for digital transactions nationally. The research method uses a quantitative approach by way of surveying questionnaires using Likert scale of 100 samples. Results: The hypothesis analysis proved that the variables of satisfaction, trust and commitment together have positive and significant influences on customer loyalty. Conclusion: This research found that there are high interest in Millennials to do transaction using QRIS because it is deemed to be more easy, quick and safe. If a customer achieves a level of loyalty in the usage of digital transaction using QRIS then cashless society lifestyle can be considered successful and can be used in the future.

• Journal of Intelligence and Information Systems
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• v.12 no.3
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• pp.1-13
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• 2006

Ubiquitous computing is a study area explained in a myriad of contexts and technological terms. Payment, however, refers in nature to an act of money transfer from one entity to another, and it is obvious that a payment method will be valued as long as the transaction can be completed with safety no matter what technology was used. The key to U-payment is convenience and security in the transfer of financial information. The purpose of this paper is to find a desirable U-payment scheme by looking at the characteristics of seamlessness under the ubiquitous environments, strong personal device, and peer-based information transactions. We also propose U-SDT Protocol integrating technologies such as Radio Frequency Identification (RFID), Bluetooth, Personal Payment Device, Account Managing Application and Transaction ID as a way to make transactions between users seamless and secure better privacy protection.

• The KIPS Transactions:PartD
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• v.10D no.6
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• pp.1033-1040
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• 2003

In order to provode information services on M-Commerce, a payment solution with security function should be required. User's mobile terminals for using M-Commerce services are diversifying to cellular phone, PDA, Smart phone etc. Among them, intergration of PDA's interface and mobile connection overcomes the weak point of existing cullular phone depending on information via the internet. In this paper, the protocol for a credit card transaction on PDA using ECC is presented. Secure Card module on this protocol encrypts user's information such as private information, delivery information and credit card information and store them on PDA in order to free from inputting information whenever it is used. This scheme also offers security services on M-Commerce including authentication, confidentiality, integration, non-repudiation and so on.

• The Journal of Society for e-Business Studies
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• v.6 no.3
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• pp.101-113
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• 2001

Security is very important in EC(Electronic Commerce) environment because exchanged information(that is transaction details, private data, charges data(card-no, accounts), etc) is various and is very sensitive. So, In this paper, we propose Secure-ReXpis(Reliable St excellent Xh3 Processing Infrastructure) System that transfer message and support Message Level Security(Encryption/Decryption and Digital Signature). And we implement Message Confidentiality Service, User Authentication ＆ Message Integrity Service and Non-Repudiation Service among the various Security Services. This system support XML message format and EDI message, WEB Data and Private Format Data, etc.

• Journal of the Korea Computer Industry Society
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• v.2 no.9
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• pp.1233-1238
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• 2001

Security is very important at EC(Electronic Commerce) Environments. The reason is that exchanged data(that is user private information(accounts, card-no, password), transaction items, etc) is various and is very sensitive. In this paper, we propose the Secure-XML Messaging System(S-XMS) which is implemented to support Message Level Security, Encryption and Digital Signature. And we implement Message Confidentiality Service, User Authentication & Message Integrity Service and Non-Repudiation Service among the various Security Services.

• Review of KIISC
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• v.5 no.3
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• pp.38-48
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• 1995

다단계 보안 데이타베이스 관리체계(Multi-Level Secure Database Management System: MLS/DBMS)에서 모든 거래와 데이타는 각각 유일한 보안성을 가지고 있다 MLS/DBMS 상에서 동시수행중인 거래들은 공유 데이타를 접근하는 과정에서 충돌가능성을 항시 지니고 있다. 이러한 충돌을 해결하는 과정에서 만약 낮은 보안등급을 가지는 거래가 지연되는 현상이 발생하였을 경우, 높은 보안등급의 정보가 낮은 보안등급의 거래로 유출되어 결과적으로 보안정책을 위반하게된다 이러한 종류의 통신경로를 비밀경로라고 한다. 비밀경보 문제를 해결하기 위한 몇몇 종류의 거래관리 기법들이 제시되었다. 이들 기법들은 비록 비밀경로 문제를 해결하였지만, 불행하게도 이들은 보안의 또 다른 측면인 무결성에 대한 고려를 간과하고 있다. 본 논문에서 제안하는 고수준 보안 거래 관리기는 동시에 수행중인 거래들을 스케줄링하는 과정에서 정보의 기밀성 유지를 무결성의 손실없이 이루고 있다. 기밀성을 위하여 고수준 보안 거래관리기는 비완료된 데이타의 은닉에 방법적 기반을 두고 있다. 또한, 무결성을 얻기 위하여 데이타의 적절성을 판단하는 과정에서 데이타의 신뢰성을 최신성과 함께 고려하고 있다.

• Journal of Korea Society of Digital Industry and Information Management
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• v.17 no.4
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• pp.43-52
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• 2021

IoT applications are quickly spread in many fields. Blockchain methods(BC), defined as a distributed sharing mechanism, offer excellent support for IoT evolution. The BC provides a secure way for communication between IoT devices. However, the IoT environments are threatened by hacker attacks and malicious intrusions. The IoT applications security are faced with three challenges: intrusions and attacks detection, secure communication, and compressed storage information. This paper proposed a system based on double-blockchain to improve the communication transactions' safety and enhance the information compression method for the stored data. Information security is enhanced by using an Ellipse Curve Cryptography(ECC) considered in a double-blockchain case. The data compression is ensured by the Compressed Sensing(CS) method. The conducted experimentation reveals that the proposed method is more accurate in security and storage performance than previous related works.

• International Journal of Computer Science & Network Security
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• v.21 no.6
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• pp.119-126
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• 2021

The Internet of Things (IoT) applications are quickly spread in many fields. Blockchain methods (BC), defined as a distributed sharing mechanism, offer excellent support for IoT evolution. The BC provides a secure way for communication between IoT devices. However, the IoT environments are threatened by hacker attacks and malicious intrusions. The IoT applications security are faced with three challenges: intrusions and attacks detection, secure communication, and compressed storage information. This paper proposed a system based on double-blockchain to improve the communication transactions' safety and enhance the information compression method for the stored data. Information security is enhanced by using an Ellipse Curve Cryptography (ECC) considered in a double-blockchain case. The data compression is ensured by the Compressed Sensing (CS) method. The conducted experimentation reveals that the proposed method is more accurate in security and storage performance than previous related works.