• Journal of Korea Society of Digital Industry and Information Management
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• v.10 no.3
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• pp.87-97
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• 2014

Pharming attack is a confidence trick that the hacker catch away customers financial information on Internet banking. At first, a hacker installs malicious execution code on customers PC in secret. As a customer tries to connect a Internet banking Web site, the malicious code changes it to phishing site in Internet explorer. The hacker catch away customers financial information in process of internet banking. The hacker steals money from customer's bank account using stolen information. PKI is a widespread and strong technology for providing the security using public key techniques. The main idea of PKI is the digital certificate that is a digitally signed statement binding an user's identity information and his public key. The Internet banking service stands on the basis of PKI. However, the bank is trusted in natural, the only customer is certified in the present Internet banking. In this paper, we propose a method of cross certification in Internet banking. The customer certify a bank and the bank certify the customer in proposed method. The method can service to customer the secure Internet banking about pharming attack. We compare the proposed method with other methods.

• Journal of Information Technology Services
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• v.7 no.2
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• pp.77-93
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• 2008

According to the statistics revealed by Bank of Korea on March, 2007, Internet banking transactions outnumbered face-to-face banking services in Korea. Internet banking is becoming essential in every financial service sectors. For people with disabilities, Internet banking is more meaningful because they do not need to visit the bank, thereby saving inconvenient trips. Governments in many countries are working on setting standards and laws on the web accessibility for people with disabilities. Korea government enacted Korea Disability Discrimination Act in 2007. This paper examined the web accessibility compliance of Internet banking sites. Twenty one Internet banking sites were selected from the list in the Korea Federation of Banks's Web sites. We examined four major checkpoints that are considered crucial among the fourteen checkpoints in "Internet Web Contents Accessibility Guidelines" which was amended by Ministry of the information and Communication in 2005. The results showed that all of the twenty one Internet banking sites didn't meet the four major checkpoint requirements. Moreover, only one banking site satisfied alt-text requirement that is considered the most fundamental among the checkpoints.

• The Journal of Information Systems
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• v.14 no.1
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• pp.197-226
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• 2005

Recently, internet as well as internet banking are growing rapidly. Most banks in Korea provide internet banking services for customers. Internet banking became a major trend in the financial marketplace. There are a few empirical research in this area. Although quality of internet banking service is an important concept, there is a lack of theory-based empirical research in this area. Therefore, this paper is aimed at finding whether service quality of internet banking influence customer satisfaction, and whether characteristic of internet banking user influence relationship between customer satisfaction and service quality of internet banking. Furthermore, this paper identify whether customer satisfaction influence customer loyalty. The research model proposed thirteen hypothesis and tested empirically. A total of 269 responses were received from internet banking users and analyzed. The analyses showed partial support for the affirmative effect of customer satisfaction and characteristic of internet banking user. But the relationship between customer satisfaction and customer loyalty is significant. Implications of these findings are that internet banking sites should concentrate on providing a high quality of banking services; information, trust, ease of use, and security of system and thereby strengthen customer loyalty.

• International Commerce and Information Review
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• v.7 no.1
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• pp.75-94
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• 2005

With most major full service banks having launched transactional Internet banking, attention is shifting to the realities of managing the Internet channel as a profitable component of an overall delivery strategy. In addition to examining Case Study and Internet Bank Model. Services of Internet Banking available through the Internet are as follows. 1. credit card loans, personal loans. 2. high-yield financial products. 3. insurance products. 4. securities products. 5. Case study of Foreign Internet Banking(ING, BNP, HSNC, City Bank). The study reviewed fields, including financial services, customer service, Website formation and design, convenience of use and system safety, Internet Banking Model, and many related areas. Internet Banking earned high marks in most fields. This study review focuses on the following: Understanding and meeting consumer expectations for us ability, site performance and functionality. Integrating the Internet channel into overall marketing, product delivery and customer service strategies. Strategies to increase customer satisfaction with Internet Banking and to attract new Internet bankers. therefore this study review activity model concretion of Internet Banking Model and Case Study.

• The Journal of Information Technology and Database
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• v.8 no.2
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• pp.1-15
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• 2001

In trying to bring about online CRM(customer relationship management), companies have paid much attention to eCRM. The key of eCRM is a recommendation system, which is being used by E-commerce sites to find products to purchase. To maintain a constant flow of marketing information and feedback it is important to staying in touch with customers. In this respect, eCRM becomes a serious business tool for sales activities. In this article we present tee case of Kookmin Internet banking eCRM welch is one of the first examples of implementing eCRM in commercial web site in Korea. We examine how Kookmin Internet banking develops eCRM and how it provides customized services to customers. We also explore the role of eCRM in Internet banking and the level of personalization technology used in Kookmin eCRM case.

• The Journal of Society for e-Business Studies
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• v.11 no.1
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• pp.25-52
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• 2006

This study focuses on customer perception of security control under Internet banking environment Internet banking customers' understanding of security control is insufficient. They are not fully aware of security technologies for Internet banking. Moreover, they cannot know which control is implemented and maintained on an Internet banking site when visiting the site. This study, therefore, attempts to find the impact of customer perception of security control on Internet banking acceptance. The research model is based on the TAM (Technology Acceptance Model), and introduces trust as an additional belief. Trust has been investigated in the marketing area, and begins to be focused in e-business area. A Web survey of Internet banking users collected 845 cases. Statistical analyses, using SEM (Structural Equation Modeling), partially supported the hypotheses that perceived strength of security control has an impact on three beliefs: trust, perceived usefulness, and perceived ease of use. We also verified the impact of these beliefs on attitude toward using, on behavioral intention to use, and on actual use. It is, therefore, verified that perceived strength of security control is a determinant of Internet banking acceptance.

• Journal of the Korean Society of Environmental Restoration Technology
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• v.18 no.6
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• pp.227-237
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• 2015

From January 2013 to October 2015, weed invasion control techniques was tested in the test road of Jungbunaeryuk expressway so as to collect preliminary data for the management methods of the upper exterior banking of expressway shoulders. Then, monitoring was conducted and its results are as follows. Mat (sheet), solidifying agent, and mulching (wood chips) were applied for the test and their initial effects of preventing weed invasion were all excellent. It was found that the homogeneity of the wood chip mulching method needs to improve. In the mat method and the mulching method were found to have the most excellent economic feasibility and aesthetics, respectively. The covering degree was found to be the highest at 80% in the control site, followed by the wood chip site at 20% and the solidifying agent site and the non-woven fabric site at 5% each. As for species diversity, the control had the largest variety of species. Two years after the construction, many different species of plants invaded and were growing. Plants including weed didn't tend to invade the slopes applied with non-woven fabric. In addition, weed didn't invade the solidifying agent site and the aesthetics of the upper exterior banking of expressway shoulders was found to be excellent. The wood chip site was found to require consistent management for preventing weed invasion. The mat (sheet) site, the solidifying agent site, and the wood chip mulching site were found to have excellent weed prevention effects. As time passed, the mat (sheet) site and the solidifying agent site showed better weed prevention effects. However, they need consistent monitoring for further application.

• Journal of the Korean Society of Environmental Restoration Technology
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• v.5 no.5
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• pp.58-66
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• 2002

We present a planting plan of the buffer-forest belts created at the boundary area of the waste landfill site which is located in the coastal area of Kyubg-Gi province. In order to form a proper section of ground soil excavated from the sea and a forest which shows a distinction of the vegetation stratification, the planting plan with trees, sub-trees, shrubs, and seedlings (produced at a sprout cultivation place) is devised with an adjustment of planting density. 1. The preparation of mounding is required for planting at a waste landfill site. We first estimate an economical and efficient banking height together with the quantity of soil, and prepare a planting ground with excavated ground soil for the consideration of soil recycling. On the planting ground a banking with a height of 1.5-2m is produced by self-supported soil, playing a role in a salt blocking and an irritation layer of planting. Finally, an additional banking with a height of 2m is produced by qualified vegetation soil, forming a vegetation section with a total height of 6m. 2. Since the planning site is located in the border, the planting area is composed of two regions : one is an inclined face (slope 1 : 3) toward the inside of the landfill site and the other is an inclined face (slope 1 : 4) toward the inland. The buffer planting in the former (latter) region consists of wind break forest (mixed-landscape forest) within a width of less than 35m. 3. Based on the data obtained from the literatures and the investigation of local plants, we choose the 21 plant species (such as Pinus thunbergii, Pinus densiflora, Sorbus alnifolia, Albizzia julibrissin and etc.) and the additinal 7 species which are grown at a sprout cultivation palce of the SUDOKWON landfill site (Rosa rugosa, Quercus acutissima, Prunus armeniaca var. ansu., and etc.). Sub-trees with a height of above 2.5m and seedlings are planted with an interval of $1.5{\times}1.5m$ ($0.45roots/m^2$) and $0.5{\times}0.5m$ ($4roots/m^2$), respectively. Here, both trees exhibit communities planting with more than three rows. Shrubs are planted with $9-16roots/m^2$, depending on their size. Since this case study provides a reference of the planting beds as well as a planting plan at the SUDOKWON landfill site, it is not sufficient for the present plan to be utilized for the formation of buffer-forest belts which are used for the analysis of environmental factor and the reduction of environmental pollutants in the sea waste landfill site. Thus, further studies with the ecological basis are demanded for the environment planting restoration in the sea waste landfill site.

• The Journal of Information Technology
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• v.5 no.3
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• pp.97-119
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• 2002

It is Study Service Model for Case Study of Internet Bank. With most major full service banks having launched transactional Internet banking, attention is shifting to the realities of managing the Internet channel as a profitable component of an overall delivery strategy. In addition to examining Case Study and Internet Bank Model. Services of Internet Banking available through the Internet are as follows. 1. credit card loans, personal loans. 2. high-yield financial products. 3. insurance products. 4. securities products. 5. Case study of Foreign Internet Banking(ING, BNP, HSNC, City Bank). The study reviewed fields, including financial services, customer service, Website formation and design, convenience of use and system safety, Internet Banking Model, and many related areas. Internet Banking earned high marks in most fields. This Study review focuses on the following: Understanding and meeting consumer expectations for us ability, site performance and functionality. Integrating the Internet channel into overall marketing, product delivery and customer service strategies. Strategies to increase customer satisfaction with Internet Banking and to attract new Internet bankers. therefore this study review activity model concretion of Internet Banking Model and Case Study.

• 한국경영정보학회:학술대회논문집
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• 2007.11a
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• pp.533-538
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• 2007

Since the Internet has been widespread all over the world, it has been getting more popular. Almost every bank that runs offline business has its own Web site to provide online banking service. In this study, we developed a research model based on the Technology Acceptance Model (TAM). We added the concepts of trust and cost to evaluate our model because trust is a major concept in adopting online service, and cost is one of the main strategies to attract customers to use online banking service. To see the validation of the model, we used partial least squares (PLS). A survey was done to gather data. The result was drawn from the model test, and we discuss it and conclude the study.