• The Journal of The Korea Institute of Intelligent Transport Systems
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• v.9 no.5
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• pp.14-24
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• 2010

Although the existing X-CASH card system observes the KS standard for a transportation card system, there has been an issue for interoperability between X-CASH and other public transportation system due to the partially undefined part in the standard. This issue is followed by the inconvenience of the existing X-CASH users. If the existing X-CASH card user wants to get any other public transportations which are not interoperated with X-CASH, the user would have to buy other cards. Consequently, some users have to bring more than one card with them. In addition, it is almost impossible that the existing X-CASH system operator makes the X-CASH card available for the infrastructure built by other cards operators because their technologies are too much different. The X-CASH operator must construct its own infrastructure on the same route and it would cause an unnecessary loss of expense and labor. To solve these problems, We modified the existing X-CASH system and developed the Nation-wide Interoerable X-CASH system which lets both the existing X-CASH card and Nation-wide Interoperable X-CASH card work. This developed X-CASH system consists of the purchase SAM, the purchase terminal and the settlement. And The conformity test for it was successfully authorized. Also we, KORAIL NETWORKS, have done the test-bed on this Nation-wide interoperable X-CASH system in Gwangju for six months with Telecommunications & Clearings, the HiPlusCard Corporation. This test confirmed that the Nation-wide Interoperable X-CASH system would practically work well.

• Journal of Information Processing Systems
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• v.8 no.3
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• pp.495-520
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• 2012

A secure Electronic Payment System (EPS) is essential for the booming online shopping market. A successful EPS supports the transfer of electronic money and sensitive information with security, accuracy, and integrity between the seller and buyer over the Internet. SET, CyberCash, Paypal, and iKP are the most popular Credit Card-Based EPSs (CCBEPSs). Some CCBEPSs only use SSL to provide a secure communication channel. Hence, they only prevent "Man in the Middle" fraud but do not protect the sensitive cardholder information such as the credit card number from being passed onto the merchant, who may be unscrupulous. Other CCBEPSs use complex mechanisms such as cryptography, certificate authorities, etc. to fulfill the security schemes. However, factors such as ease of use for the cardholder and the implementation costs for each party are frequently overlooked. In this paper, we propose a Web service based new payment system, based on ANSI X9.59-2006 with extra features added on top of this standard. X9.59 is an Account Based Digital Signature (ABDS) and consumer-oriented payment system. It utilizes the existing financial network and financial messages to complete the payment process. However, there are a number of limitations in this standard. This research provides a solution to solve the limitations of X9.59 by adding a merchant authentication feature during the payment cycle without any addenda records to be added in the existing financial messages. We have conducted performance testing on the proposed system via a comparison with SET and X9.59 using simulation to analyze their levels of performance and security.