• 경영과학
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• 제33권3호
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• pp.65-87
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• 2016

Being the FinTech technologies rapidly developed, the non face-to-face private loan market is also growing dramatically. While the real-world interests in this market are keen, the empirical studies on the issue are few compared to its prospective impact on credit loan market. This paper suggests a credit scoring model for the non face-to-face private loan employing the ratings approach (the absolute measurement method) of AHP. Analyzing a sample of data consisting of 460,000 transaction records over an 8-year period in the United States, we develop a scoring model for the non face-to-face private loan screening, and validate the model for the practical usage. Conducting sensitivity analysis, we suggest customized cut-off points for the loan execution to suit each individual loan institution's need.

• 한국유기농업학회지
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• 제29권1호
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• pp.1-23
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• 2021

The form of agri-food transaction has taken a rapid change from the existing method since Covid-19. In response to changes in the market environment such as Covid-19, the integrated marketing organization in Jeollabuk-do was diagnosed from the point of view of innovation, and the future direction was examined. In order to improve the distribution structure of the production area, an integrated marketing organization was fostered, and both quantitative and qualitative growth were brought about. However, some regions still lack willingness to participate and lack of expertise. In particular, there is no infrastructure and strategy to prepare for the increase in non-face-to-face transactions post Covid-19. Online transactions also require economies of scale, so non-face-to-face transaction capabilities must be reinforced by adding a separate organization and experts in charge of online transaction functions within the integrated marketing organization. In the future, online sales are highly likely to expand not only to transactions between producers and individual consumers (C to C), but also to mass consumer (B to B) transactions. It will be an opportunity. In addition, it is necessary to efficiently use production area distribution facilities such as sorting and packaging. Since the non-contact transaction method will increase after Corona 19, it is necessary to strengthen marketing capabilities such as expansion of utilization rate, order placement, settlement, and customer management, and reorganization of specialized organizations.

• International Journal of Advanced Culture Technology
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• 제8권4호
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• pp.271-278
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• 2020

Modern financial services go beyond the stage of internet banking, and new concepts of financial transactions such as Internet of Things, mobile banking, electronic payments, and fintech have emerged. As a result, banks are less influential in financial transactions, and changes are being demanded. In the present era, the basic business of banks has decreased, and it is transforming into a space where both consumer finance work and reside. The bank office stands for the brand image of the bank, and it is represented by trust with customers in the basic business of financial transactions, and the rise in real estate value is a natural social phenomenon due to the nature of the location and location of real estate owned by the bank. The business method and space of the bank office that meets the new paradigm of the modern society is an inefficient space only for the convenience and rest of consumers, but it must be used as a variety of spaces suitable for the region to increase the functional value of the bank office. Through this study, as a convenience space for consumers, various service facilities should be introduced to understand the characteristics of the region as a convenience space for consumers, and various service facilities should be introduced to meet the needs of consumers, and the bank office should be improved as a complex service space for local residents.

• 디지털융복합연구
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• 제11권11호
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• pp.29-36
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• 2013

전자상거래 시장이 삐르게 증가하고 관련 산업이 발달하고 있다. 전자상거래의 특징인 비대면 거래 방식규모의 증가와 더불어 다양한 결제수단 등장으로 전자상거래에서 소비자 피해도 증가하고 있는 추세이다. 본 연구는 구매안전서비스라는 제도측면에서 소비자 보호방안에 대하여 살펴보았다. 구매안전서비스의 대표적인 결제대금예치 제도와 소비자피해보상보험 등의 한계점을 살펴보고 개선방안을 제시하였다. 불법적인 구매안전서비스 홍보를 방지하기 위해서는 소비자의 포상신고제를 운영하고 결제대금예치제도의 예치기간 악용에 대해서는 차감정산제도와 결제 대금예치사업자에게 분쟁중재역할 제공에 대한 검토가 필요하다. 결제대금예치를 통한 거래발생시 증서형태로 소비자에게 전달하고 구매안전서비스의 적극적인 홍보와 지속적인 제도개선 노력이 필요하다.

• 한국중재학회지:중재연구
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• 제30권4호
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• pp.121-138
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• 2020

The O2O services in the healthcare sector have only been in full swing for about three years, and unlike existing O2O consumer goods, the scale and scope of the dispute are more complicated due to restrictions on medical treatment. In this study, O2O service platform operators and medical institutions' roles and responsibilities were redefined as a countermeasure for resolving disputes in healthcare O2O services and the laws for changing the transaction environment. A change in institutional mechanisms was proposed. This study looked at the types of consumer disputes related to healthcare O2O services as insufficient information problems, problems in the course of medical service implementation, problems with immunity provisions for platform operators, cancellations, and non-compliance with refunds. All the information generated during transactions in the healthcare sector was extensive in scale and included the most sensitive information among personal information, stressing the importance of ensuring security. The area that started in the O2O range before the medical institution visit also proposed a plan to establish a system for the delivery of proven information as a pre-medical person. The scale and growth will grow faster, given that consumers can experience the information they want anytime, anywhere they want. However, the platform broker's role, a link player, will become more important because consumers who use the service will have their first meeting with non-face-to-face product providers. On the other hand, service providers may have side effects of misleading consumers by providing false information or misleading consumers through exaggerated advertisements. The O2O service market is expected to expand beyond distribution and dining out to the entire industry. However, since it is challenging to check accurate statistics on the detailed market, various disputes and consumer protection measures will be required for each detailed market, and comprehensive leading solutions will be essential in the future.

• 정보보호학회논문지
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• 제26권6호
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• pp.1513-1526
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• 2016

금융회사가 전자금융 서비스를 제공하기 시작하면서 전자금융 서비스는 다양화 되었고 전자금융 사용은 지속적으로 증가하고 있다. 이에 금융회사는 안전한 전자금융서비스를 제공하기 위하여 금융 보안정책을 적용하고 있으나 전자금융 사고는 계속해서 지능화되고 증가하고 있는 상황이다. 금융감독기관은 최근 인터넷 전문은행 등장과 핀테크 활성화와 더불어 비대면 실명확인 제도 신설 및 전자금융 거래를 통한 자금이체 시 공인인증서 또는 일회용비밀번호 의무사용 폐지 등의 규정을 개선하여 이용자의 편리함을 추구하는 동시에 금융회사에게는 이상금융거래 탐지 시스템 고도화 및 개선을 통한 불법이체 사고 방지를 권고하고 있다. 본 논문에서는 금융회사 제반 상황에 적합한 블랙리스트기반 자동화 탐지 기법을 제안하고 블랙리스트 정보를 레벨링하여 보안레벨에 따른 블랙리스트기반과 통계모델을 연동한 실시간 이상금융거래 탐지 기법을 제안하며, 기존 전자금융 사고유형 분석을 통한 특징적 패턴에 따른 실시간 이상금융거래 탐지기법의 대응 모델을 제안하고자 한다.

• 한국IT서비스학회지
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• 제20권4호
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• pp.1-21
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• 2021

At a time when the e-commerce market is experiencing accelerated growth, with advancements in information and communications technology (ICT), the problems of distribution of counterfeit products and consumer confusion caused by non-face-to-face purchases have increased. Hence, amid intensifying competition, it has become important for e-commerce companies deliver product information more efficiently, provide differentiated services, and secure credibility for consumers by reducing consumer damage from buying counterfeit products. However, even though consumer confusion and the inadvertent purchase of counterfeit products are intensifying in such a market scenario, there are no services that aim to solve such problems. This study examines the conventional e-commerce industry in South Korea through a political, economic, social, and technological (PEST) analysis, based on in-depth interviews with consumers, to derive the pain and gain points of the industry. As a result, the inherent problems of the e-commerce industry were revealed. Through a service value network perspective, services aimed at resolving such issues were derived, and the e-commerce business ecosystem needed to solve this problem was deduced. The findings revealed that the artificial intelligence-based service support platform has become a major driving force within the e-commerce innovation ecosystem by enabling a new way to create and secure value using ICT. This entails a new exchange mechanism and transaction architecture and a new organizational structure that breaks the barriers between industries.

• 대한전자공학회논문지SP
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• 제43권4호
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• pp.46-54
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• 2006

최근 각종 온라인 상거래 및 개인 신분카드 이용이 늘어나면서 개인 인증의 중요성이 부각되고 있다. RFID(Radio Frequency Identification) tag가 내장된 개인 신분 카드가 점차 증가하고 있지만, 본인의 인증을 할 수 있는 방법이 미비하기 때문에, 자동화 할 수 있는 대책이 시급하다. RFID tag는 현재 메모리 용량이 매우 작기 때문에, 개인의 생체정보를 저장하기 위해서는 효율적인 특징추출 방법이 필요하며, 저장된 특징들을 비교하기 위해서는 새로운 인식방법이 필요하다. 본 논문에서는 인간의 인지학적인 두뇌 원리인 해마 신경망을 공학적으로 모델링하여 얼굴 영상의 특징 벡터들을 고속 학습하고, 각 영상의 최적의 특정을 구성할 수 있는 해마 신경망 모델링 알고리즘을 이용한 개인생체 인증 시스템에 관한 연구를 수행하였다. 시스템은 크게 NMF(Non-negative Matrix Factorization)와 LDA(Linear Discriminants Analysis) 혼합 알고리즘을 이용한 특징 추출 부분과 해마신경망을 모델링하고 인식 성능을 실험하는 것으로 구성 되어 있다. 제안한 시스템의 성능을 평가하기 위하여 실험은 표정변화와 포즈변화가 포함된 이미지를 각각 구분하여 인식률을 확인하였다. 실험 결과, 본 논문에서 제안하는 특정 추출 방법과 학습 방법을 다른 방법들과 비교하였을 때, 학습시간비용과 인식률에서 우수함을 확인하였다.

• 통상정보연구
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• 제6권2호
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• pp.85-105
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• 2004

International electronic commerce is different with international commerce in the aspect using electronic media and non-face transaction so there are some problems as authentication, integrity and non-reputation. These problems of electronic document and signature are resolved from electronic certification system. To introduce and develop the electronic certification in the international electronic commerce, it needs to authorize and operate certification authority under the uniform regulation base. But, because the laws and guidelines that related to electronic certification system are different among the nations and international organizations, it needs to compare each nation's law or guideline. In conclusion, to resolve problems of certification and develop certification system in the international electronic commerce, we make uniform rule of international electronic certification and harmonize the technology of electronic certification.

• 산업경영시스템학회지
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• 제42권3호
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• pp.131-141
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• 2019

Recently the business environment surrounding the financial investment industry is changing rapidly, and the demands of customers (diversity and the cycle of change etc.) are getting shorter. In this context, it can be said that companies are forced to adopt an agile management environment. In particular, non-face-to-face channels, including MTS, is adopting the agile system into the digital finance sector from a company-wide and strategic perspective. This study analyzed the effects of MTS services' environment quality on customer satisfaction and continuous intention to use for MTS users who are rapidly increasing under the agile management environment in the financial investment industry. This study surveyed the quality of service environment (accessibility, convenience, design, security), customer satisfaction, and continuous intention to use for 350 MTS users. First, accessibility, convenience, and security of MTS service environment quality had a positive effect on customer satisfaction, and design was rejected Second, customer satisfaction has a positive effect on continuous intention to use. Third, convenience and security of MTS service environment quality have positive effects on continuous intention to use, and accessibility and design were rejected. The results of this study, together with demographic analysis, are expected to provide useful implications for MTS activation studies and securities firms' strategies.