• The Journal of Society for e-Business Studies
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• v.2 no.1
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• pp.79-94
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• 1997

Commerce activities which are free form space and time constraint using a communication network are called Electronic Commerce(EC). Because of sending a commercial information using open network such as Internet in EC, they need the security of commerce information (payment information and purchase information), checking the integrity of transferring data and certifying all parts participated in commerce for a secure commerce. Recently Visa and MasterCard Co. released the Secure Electronic Transaction (SET) Protocol for secure payment card transaction on Internet. This paper proposes a Secure Electronic Commerce Transaction Model(SECTM) using SET in order to support the secure commerce on Internet. The proposed transaction model prevents merchant from abusing the cardholder's payment information (credit-card number etc.) and enables cardholder to shop securely in Electronic Shopping Mall.

• International Journal of Internet, Broadcasting and Communication
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• v.8 no.1
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• pp.7-18
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• 2016

Several authentication methods have been developed to make use of tokens in the mobile networks and smart payment systems. Token used in smart payment system is genearated in place of Primary Account Number. The use of token in each payment transaction is advantageous because the token authentication prevents enemy from intercepting credit card number over the network. Existing token authentication methods work together with the cryptogram, which is computed using the shared key that is provisioned by the token service provider. Long lifetime and repeated use of shared key cause potential brawback related to its vulnerability against the brute-force attack. This paper proposes a per-transaction shared key mechanism, where the per-transaction key is agreed between the mobile device and token service provider for each smart payment transaction. From server viewpoint, per-transaction key list is easy to handle because the per-transaction key has short lifetime below a couple of seconds and the server does not need to maintain the state for the mobile device. We analyze the optimum size of the per-transaction shared key which satisfy the requirements for transaction latency and security strength for secure payment transactions.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.10 no.4
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• pp.1864-1876
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• 2016

Card-Not-Present (CNP) transactions taking place remotely over the Internet are becoming more prevalent. Cardholder authentication should be provided to prevent the CNP fraud resulting from the theft of stored credit card numbers. To address the security problems associated with CNP transactions, the use of a virtual card number derived from the transaction details for the payment has been proposed, instead of the real card number. Since all of the virtual card number schemes proposed so far are based on a password shared between the cardholder and card issuer, transaction disputes due to the malicious behavior of one of the parties involved in the transaction cannot be resolved. In this paper, a new virtual card number scheme is proposed, which is associated with the cardholder's public key for signature verification. It provides strong cardholder authentication and non-repudiation of the transaction without deploying a public-key infrastructure, so that the transaction dispute can be easily resolved. The proposed scheme is analyzed in terms of its security and usability, and compared with the previously proposed schemes.

• 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 Internet Computing and Services
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• v.9 no.6
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• pp.73-79
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• 2008

Nowadays, all over the world's banks use internet banking through various authentication methods. Although there are strong authentication methods using OTP (One Time Password), there still has vulnerability from sophisticated attacks such as MITM (Man In The Middle). This letter proposes signing-based authentication protocol that copes with attacks, such as MITB (Man In The Browser), and provides non-repudiation function. The protocol shows generic method to prevent the sophisticated attacks through connecting advantages from OTP and PKI (Public Key Infrastructure) certificate, and that can be deployed to various extended form in internet banking.

• Journal of the Korea Institute of Information and Communication Engineering
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• v.20 no.2
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• pp.289-298
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• 2016

Though, thanks to NPKI(National Public Key Infrastructure), the Korean secure Internet transaction environment has been rapidly grown in the last decade, it also faces with several problems, which need to be solved in near future, mainly resulted from the lack of openness and compatability of the NPKI-based environment which is operating in a closed way. It is believed that those problems of the NPKI can be solved when it is implemented to be based on the SSL/TLS, an international standard for web-based secure Internet transactions. The transition to the SSL/TLS-based NPKI needs to be performed so that the advantages of current NPKI are well maintained. The purpose of this paper is to comparatively analyze the NPKI and the SSL/TLS so as to give basic idea of implementing the current NPKI to be based on the SSL/TLS. The analysis will show not only how the SSL/TLS-based NPKI can improve current NPKI but also how the advantages of current NPKI can be maintained by the SSL/TLS-based NPKI.

• 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.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.9 no.3
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• pp.1231-1245
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• 2015

People have transferred their business model from traditional commerce to e-commerce in recent decades. Both shopping and payment can be completed through the Internet and bring convenience to consumers and business opportunities to industry. These trade techniques are mostly set up based on the Secure Sockets Layer (SSL). SSL provides the security for transaction information and is easy to set up, which makes it is widely accepted by individuals. Although attackers cannot obtain the real content even when the transferred information is intercepted, still there is risk for online trade. For example, it is impossible to prevent credit card information from being stolen by virtual merchant. Therefore, we propose a new mechanism to solve such security problem. We make use of the disposable dynamic security code (DSC) to replace traditional card security code. So even attackers get DSC for that round of transaction, they cannot use it for the next time. Besides, we apply visual secret sharing techniques to transfer the DSC, so that interceptors cannot retrieve the real DSC even for one round of trade. This way, we can improve security of credit card transaction and reliability of online business. The experiments results validate the applicability and efficiency of the proposed mechanism.

• 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 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.