모바일 상거래 채택시기에 따른 라이프스타일이 모바일 결제시스템에 미치는 영향에 관한 연구

윤영미(Young-mi Yoon),이영호(Young-ho Lee),민천홍(Cheon-hong Min),윤재희(Jae-hee Yoon) 한국인터넷전자상거래학회 2009 인터넷전자상거래연구 Vol.9 No.2

These days mobile commerce is a somewhat diffusion of innovation. We regards studying that mobile brings to benefits as a meaning. Especially, mobile payment is a important application in the mobile commerce, because we can use mobile payment without temporal and spacial restriction. And the commonality characteristic among mobile payment characteristics such as, reliability, convenience, security and economics is a representative characteristic. Our study adopt the commonality characteristic to the variable in mobile payment. When mobile payment is widely avaliable to our life, the lifestyle that involve person's activity, interests and opinion would incur change to the consumption pattern of mobile payment. Therefore, This study will finding the relationship with lifestyle and mobile payment in mobile user adoption. In conclusion, If lifestyle in mobile user adoption is meaningful for mobile payment, we can segment a certain lifestyle that improve the profit and implication of mobile payment service providers. Therefore, mobile payment will grow one of the mobile commerce applications through it expedites ubiquity of mobile commerce.

중국 모바일 결제서비스 시장 연구 - 즈푸바오를 중심으로 -

郑英宰,夏清滨 한중경제문화학회 2016 한중경제문화연구 Vol.7 No.-

2015 China's mobile payment record over $258 billion, and first mark 2310 billion dollars of U.S. mobile payment. In particular, since 2000 China's Internet, e-commerce and mobile market is growing explosively. Internet related sectors was a rapid economic growth and more than 30 percent, got the active state support measures, through the “Plus the Internet” of the Chinese government key industrial development. China has have 800 million and the number of Chinese Internet Users and one billion persons of smartphone holder. However, Chinese Internet market is foreign half closed, and exclusive to the market. Nation's leading Internet companies in Korea, Naver coperation and KaKao co. as well as a global company Google, Facebook also be limited to advance in China. China's, a leading internet companies has grown explosively, self-reliance and to increasing thier size in the Chinese government's aggressive Internet service business of protection policy. China, which not only change rapidly, go to the variety of online services market, fast growth and a third party payment service market. Among them, not deterred by the place, and growing mobile payments market is getting attention with high convenience. China grew into 14 trillion won and mobile payment market in 2014,China Mobile payments the world No.1 mobile payment market by 2015 surpassed U.S.A. Third party payment services online purchase of goods and large discount stores as well as payment services O2O, restaurant food expenses payment and money transfers, electricity, as well as the gas bill, even street vendors roasted sweet potato, third-party mobile payments service when purchasing in China to the point where I could make a deal through the mobile payment services, are becoming popular. “cash - debit card - credit cards – mobile payments” general financial patterns that lead to beyond directly to mobile payments in cash, debit card, ChinaEnough to outshine even when they preferred The credit card market trends and status of the development of mobile payments do not have on the market. Followed by China sns and representatives of the game maker, Tencent wichaet tenpei you go to pay 490 million in second place, China Federation of Banks that 500 million Union number of customers, renobo, Laka, Pay, Baidu's Wallet Baidu, Suning's ipuba, Oga, Wonjuk on the market share. But by 2017 industry in China smartphones to 1.5 billion units expected to increase its reserves to sustained competition and innovation is expected to come out because it is a promising market.

The Classic Security Application in M2M: the Authentication Scheme of Mobile Payment

( Liang Hu ),( Ling Chi ),( Hong-tu Li ),( Wei Yuan ),( Yu Yu Sun ),( Jian-feng Chu ) 한국인터넷정보학회 2012 KSII Transactions on Internet and Information Syst Vol.6 No.1

As one of the four basic technologies of IOT (Internet of Things), M2M technology whose advance could influence on the technology of Internet of Things has a rapid development. Mobile Payment is one of the most widespread applications in M2M. Due to applying wireless network in Mobile Payment, the security issues based on wireless network have to be solved. The technologies applied in solutions generally include two sorts, encryption mechanism and authentication mechanism, the focus in this paper is the authentication mechanism of Mobile Payment. In this paper, we consider that there are four vital things in the authentication mechanism of Mobile Payment: two-way authentication, re-authentication, roaming authentication and inside authentication. Two-way authentication is to make the mobile device and the center system trust each other, and two-way authentication is the foundation of the other three. Re-authentication is to re-establish the active communication after the mobile subscriber changes his point of attachment to the network. Inside authentication is to prevent the attacker from obtaining the privacy via attacking the mobile device if the attacker captures the mobile device. Roaming authentication is to prove the mobile subscriber`s legitimate identity to the foreign agency when he roams into a foreign place, and roaming authentication can be regarded as the integration of the above three. After making a simulation of our proposed authentication mechanism and analyzing the existed schemes, we summarize that the authentication mechanism based on the mentioned above in this paper and the encryption mechanism establish the integrate security framework of Mobile Payment together. This makes the parties of Mobile Payment apply the services which Mobile Payment provides credibly.

移动结算系统特性对用户持续使用意愿的影响研究

王晓,磊(XiaoLei Wang) 동아시아무역학회 2020 Journal of East Asian Trade(JEAT) Vol.2 No.2

本研究目的: 随着移动支付在线下商店的不断普及,利用手机支付系统对消费者进行了调查。我认为有必要更具体地探讨消费者在线下商店使用移动支付对使用意图产生影响的因素。在这项研究中,我们想调查消费者在离线商店使用移动支付的状况,并确定影响他们使用意图的因素。 研究方法: 本研究主要是在识别与线下门店使用移动支付相关的特征时,针对맬动支付系统的特性(便利性、经济性、移动性、效率性),将技术接受作为与移动支付系统的特性相关的重要媒介特征,将移动支付使用意图作为消费者的个人特征,建立了研究模型。通过实施回归分析,验证了假设。 研究结果: 通过本文的分析, 得出了以下研究结果: 对用户移动支付使用意图的最显著影响是移动支付系统的相关特性和技术接受。因此,移动支付公司必须不断根据移动结算系统的特性和技术接受来确定消费者对其服务的需求,并为消费者参与改进其服务的进程提供机会。同时,需要通过提供更合适的技术来促进消费者的体验。 研究意义及价值: 本研究考虑了影响消费者在线下市场使用状况和影响移动支付使用意图的因素,这些因素极有可能快速传播,对线下使用移动支付系统具有重要价值。以求理论联系实际,为消费者在线下使用移动支付模式和发展进行有益的探索,是本文研究的重点。 Purpose - With the increasing popularity of online stores for mobile payments, consumers were investigated using the mobile payment system. I think it is necessary to explore more specifically the factors that influence consumers’ intention to use mobile payments in online stores. In this study, we want to investigate the status of consumers using mobile payments in offline stores and identify factors that affect their intention to use them. Design/Methodology/Approach - In this study, the purpose of using mobile payment as a personal characteristic of consumers is to establish a model of mobile payment system based on the characteristics of mobile payment system (convenience, economy, mobility and efficiency) of mobile payment system. The hypothesis is validated by implementing regression analysis. Findings - Through the analysis of this paper, the following results are obtained: The most significant effect on the user’s intention to use mobile payments is the relative characteristics and technical acceptance of mobile payment systems. Accordingly, mobile payment companies must continually determine consumers’ demand for their services based on the characteristics and acceptance of their mobile settlement systems and provide opportunities for consumers to participate in the process of improving their services. At the same time, consumers’ experiences need to be facilitated by providing more appropriate technologies. Research Implications - This study considered factors that affect consumers’ online market use and their intention to use mobile payments. These factors are highly likely to spread quickly and are of great value to offline mobile payment systems. It is the main point of this paper to explore the use of mobile payment model and development of consumers on-line.

모바일 결제의 신뢰성 향상 방안

김철진(Chul-Jin Kim) 한국산학기술학회 2016 한국산학기술학회논문지 Vol.17 No.7

핀테크의 활성화로 모바일 결제를 위한 다양한 기반 서비스들이 개발되고 있다. 각종 결제 방식이 개발되고, 결제의 신뢰성을 향상시키기 위한 인증 방식이 개발되고 있다. 그러나, 모바일 간편 결제 서비스 시, 전화번호에 의해 인증이 이루어 지므로 누출 가능성이 있어 보안이 취약하다. 따라서, 본 논문에서는 전화번호 기반의 인증과정을 개선하기 위해 모바일 디바 이스의 고유한 식별자인 디바이스 ID를 활용하여 인증 과정의 신뢰성을 높이기 위한 방안을 제안한다. 핵심 연구 내용은 모바일 디바이스 ID를 기반으로 모바일 결제 인증을 위한 아키텍쳐와 인증 프로세스이다. 모바일 결제 아키텍쳐는 모바일 디바이스, 인증 서비스, 그리고 모바일 결제 어플리케이션으로 구성된다. 모바일 디바이스는 모바일 디바이스 ID와 전화번호 로 구성하며, 인증 서버는 인증 모듈과 암호화 모듈로 구성된다. 모바일 결제 서비스는 사전 인증 모듈과 복호화 모듈로 구성 된다. 모바일 결제 서비스의 프로세스는 모바일 디바이스, 인증 서버, 그리고 모바일 결제 어플리케이션 간에 암호화된 인증 정보(디바이스 ID, 전화번호, 인증 번호)에 의해 처리된다. 모바일 디바이스는 전화번호와 디바이스 ID를 인증 서버로 전달하 며, 인증 서버는 인증 과정과 암호화 과정을 통해 사용자를 인증한다. 모바일 결제 어플리케이션은 전달받은 인증 번호에 대해 복호화를 통해 사전 인증 과정을 수행한다. 본 논문의 인증 서버의 인증 과정과 모바일 결제 서비스의 사전 인증 과정을 통해 기존 결제 서비스의 인증 번호 누출에 의한 위험을 예방할 수 있는 차별성을 제공할 것이다. A variety of services for mobile payments by the activation of FinTech have been developed. Various payment methods were developed, and an authentication method was developed to improve the reliability of the payment. On the other hand, when mobile easy payment services are used, they have weak security because the authentication by phone number. Therefore, this paper proposes a technique for increasing the reliability of the authentication process using the unique device ID of the mobile device to improve the authentication process based on the telephone number. The core research contents are the architecture and process for the authentication of mobile payments based on the mobile device ID. The mobile payment architecture consists of a mobile device, authentication service, and mobile payment application. The mobile device consists of mobile device ID and phone number, and the authentication server consists of authentication module and encryption module. The mobile payment service consists of a pre-authentication module and decryption module. The process of mobile payment service is processed by the encrypted authentication information (device ID, phone number, and authentication number) among mobile devices, authentication server, and mobile payment application. The mobile device sends the telephone number and the device ID to the authentication server and the authentication server authenticates the user through an authentication process and encryption process. The mobile payment application performs the pre-authentication process by decrypting the received authentication number. This paper reports a difference that can prevent the risk of leakage of the authentication number in existing payment services through the authentication process of the authentication server and the pre-authentication process of the mobile payment service of this paper.

중국 모바일결제기업의 역외시장 진출요인에 관한 연구 - 홍콩시장을 중심으로 -

김경환,이중희 한국외국어대학교 국제지역연구센터 2018 국제지역연구 Vol.22 No.2

This study analyze push factors and pull factors for Chinese mobile payment companies entering cross border markets and to check their implications for cross border payment markets. The results of the study are as follows: First, the push factors that Chinese mobile payment companies are entering cross border market are intensified domestic competition, increased overseas ​travelers, the ​support​ing policy of the Chinese government.​ China's mobile payment market is slowing down but China has about 260 mobile payment companies. Also, the number of foreign tourists is increasing every year. And the Chinese government is encouraging mobile payment companies to enter the cross border market to expand cross border e-commerce and RMB Internationalization. Second, the pull factor that Chinese mobile payment companies enter cross border markets is the vast number of Chinese tourists and consumer spending, the Hong Kong government's policy ​easing, and the potential for e-commerce​. The biggest consumers who travel ​and consume in HongKong​ are Chinese travelers. They are used to mobile payments. In addition, Hong Kong government opened the mobile payment market to foreign companies including China in 2016. And Hong Kong and Chinese e-commerce companies are working with Chinese mobile payment companies to target their respective regions. Third, the local version mobile payment system has entered the cross border market for the purpose of entering, expanding the consumer market, expanding the financial market. E-commerce in both regions is already expanding and the local version mobile payment system supports discount coupons, promotions and marketing. Although it is not yet sufficient to enter the local financial market, Ali PayHK is expected to jointly operate the company with Hong Kong's largest company, Cheongkong Group, and expanding the financial market of small loans, finance and insurance. 본 연구는 알리페이와 위챗페이로 대표되는 중국 모바일결제기업의 역외시장에 진출하는 push(추진동기)요인과 pull(유인동기)요인을 분석하여 역외 결제시장 진출 외에 다른 목적을 확인하고자 하였다. 첫째, 중국 모바일결제기업이 역외시장에 진출하는 국내 push요인은 국내 경쟁심화, 해외여행객 증가, 중국정부의 정책적 지원이다. 중국 모바일결제시장의 성장세가 둔화되고 있으나 중국에는 260여 개의 모바일결제 기업이 있다. 또한 매년 해외여행객이 증가하고 있으며 중국정부는 역외 전자상거래 확대와 위안화 국제화를 위해 모바일결제기업의 역외시장 진출을 장려하고 있다. 둘째, 중국 모바일결제기업이 역외시장에 진출하는 현지 pull요인은 방대한 중국여행객 수와 소비지출, 홍콩정부의 정책적 완화, 전자상거래의 잠재력이다. 홍콩을 여행하고 소비하는 최대 소비자는 중국여행객이다. 이들은 모바일결제에 익숙하다. 그리고 홍콩정부는 2016년 모바일결제시장을 규범화하고 중국 등 역외 기업에도 개방하였다. 또한 홍콩과 중국 전자상거래 기업 및 플랫폼은 각 지역을 공략하기 위해 중국 모바일결제기업과 협력하고 있다. 셋째, 현지판 모바일결제시스템이 역외시장에 진출한 원인은 현지 결제시장 뿐만 아니라 소비시장, 금융시장으로의 확대를 위해서다. 이미 두 지역의 전자상거래가 점차 확대되고 있으며 현지판 모바일결제시스템은 할인권, 홍보, 마케팅 등을 지원하고 있다. 아직 현지 금융시장에 진출은 미진하나 알리페이는 홍콩 최대 기업인 청쿵그룹 등과 알리페이HK를 공동 운영함으로써 향후 소액대출, 재테크, 보험 등의 금융시장에도 진출 할 것으로 전망된다.

모바일지급 서비스의 법률관계

손진화 한국경영법률학회 2009 經營法律 Vol.19 No.4

Mobile payment is a transaction in which payer orders mobile service provider to transfer fund to designated receiver by using electronic payment means. The transaction is a sort of mobile banking services. There are three mode of mobile payment: IC chip mode, electronic certificate mode, and WAP mode. Payment services provided by mobile service provider are as the followings: (a) network billing service, (b) issuance and management of electronic prepayment means, (c) issuance and management of digital merchandise bond, (d) electronic payment and settlement agency service, or (e) service of subsidiary electronic financial business operator. In the network billing service, mobile service provider who intends to perform the service shall register himself/herself with the Broadcasting and Telecommunication Commission. The Acceleration of the Use of Information Network and the Protection of Information, etc. Act of 2008 does not make a distinction between network integrated imposition service and network billing agency service. I think this is an error in process of legislation of the Act, because network billing agency service is a sort of electronic payment and settlement agency service. In the issuance and management of electronic prepayment means and digital merchandise bond, mobile service provider who intends to perform the service shall register himself/herself with the Financial Services Commission. The rights and duties stipulated in the Electronic Financial Transactions Act of 2008 shall be applied to the provider and users. Additionally, digital merchandise bond is regulated by the terms and conditions of merchandise bond and the law of negotiable instruments. Electronic payment and settlement agency service means any service rendered to transmit or receive payment settlement information in purchasing goods or using service in the electronic form or to execute as proxy or mediate the settlement of prices thereof. Mobile service provider who intends to perform the service shall register himself/herself with the Financial Services Commission. However, a person who performs the service such as the transmission of information only for the electronic processing of electronic payment transactions without direct involvement in the transfer of funds may perform the service without the registering. Service of subsidiary electronic financial business operator is the business of mobile service provider who simply provides payment gateway service and business cooperation. The service is regulated by the provisions of the Electronic Financial Transactions Act of 2008.

Systematic Literature Review : Security Challenges of Mobile Banking and Payments System

Md. Shoriful Islam 보안공학연구지원센터 2014 International Journal of u- and e- Service, Scienc Vol.7 No.6

Mobile banking is more easily and fast banking today, but its challenges to payments security system. Many organization or financial institutions are now incorporating mobile banking and financial services as a key component of their growth strategy, and use of the mobile phone to conduct banking and financial services tasks continues to rise among early adopters. Large number of security challenge of mobile banking and payment system have been proposed in to the current research issues, our goal is to gain insight into the current status of mobile banking and payment system security challenge research issues published to date, conducted a systematic literature review mobile banking security challenges that have been claimed between January 2008 to December 2012.this paper presents the result of the systematic review, 10 publication and 20 were selected as primary studies, from which a large number of challenges were elicited. By applying qualitative data analysis methods to extracted data from the review. However among the majority of consumers, security threats are most commonly listed as the primary reason for not trying mobile banking. This review will attempt to technically address these largely unfounded consumer security fears while helping to lay a roadmap for financial institutions successful implementation of mobile banking technology. A clear and emerging new channel in the space of banking and payments is mobile. A key challenge with gaining user adoption of mobile banking and payments is the customer’s lack of confidence in security of the services. Understanding the mobile banking and payments market and ecosystem is critical in addressing the security challenges. There are new security risks introduced with mobile banking and payments that must be identified and mitigated.

Perceived Privacy Risks and Trust Dynamics: Rethinking Mobile Payment Adoption in Indonesia

Rianmahardhika Sahid Budiharseno,김민준 사람과세계경영학회 2023 Global Business and Finance Review Vol.28 No.-

Purpose: This research aimed to explore and understand the intricacies of mobile payments within the Indonesian context, particularly focusing on the dynamic relationship between perceived privacy risks, trust, and the intention to adopt mobile payment services. Design/methodology/approach: The study employed a hybrid research methodology, integrating qualitative and quantitative analyses. Specifically, this research utilized Confirmatory Factor Analysis (CFA) model that evaluated the alignment of the proposed model with the observed data. The mobile payment privacy policies were analyzed through the identification of key textual features. Findings: The study revealed a revealed positive relationship between certain perceived risks (psychological and financial) and trust, suggesting that certain perceived risks might inadvertently foster trust. Conversely, time risk and performance risk negatively influence trust. This research also emphasized the pivotal role of trust in shaping user intentions toward mobile payments. Further findings highlighted the complex nature of privacy risks in the context of mobile payments and the significant surge in adoption rates during the COVID-19 pandemic. Research limitations/implications: This research was bound by a limited dataset size, which could influence the derived results. Potential inaccuracies from incomplete questionnaires might introduce non-statistical errors. With the ever-evolving nature of mobile payments, future studies could benefit from refining the research framework and incorporating additional variables. Originality/value: This study uniquely delves into the mobile payment scenario in Indonesia, challenging traditional views of risk and trust and offering fresh perspectives on consumer behavior. The innovative approach to analyzing mobile payment privacy policies and the spotlight on the role of perceived risks and trust in adoption intention set it apart. Its findings serve as a blueprint for both academics and practitioners in the mobile payment domain.

Perceived Privacy Risks and Trust Dynamics: Rethinking Mobile Payment Adoption in Indonesia

Rianmahardhika Sahid Budiharseno,Min-Joon Kim People&Global Business Association 2023 Global Business and Finance Review Vol.28 No.6

Purpose: This research aimed to explore and understand the intricacies of mobile payments within the Indonesian context, particularly focusing on the dynamic relationship between perceived privacy risks, trust, and the intention to adopt mobile payment services. Design/methodology/approach: The study employed a hybrid research methodology, integrating qualitative and quantitative analyses. Specifically, this research utilized Confirmatory Factor Analysis (CFA) model that evaluated the alignment of the proposed model with the observed data. The mobile payment privacy policies were analyzed through the identification of key textual features. Findings: The study revealed a revealed positive relationship between certain perceived risks (psychological and financial) and trust, suggesting that certain perceived risks might inadvertently foster trust. Conversely, time risk and performance risk negatively influence trust. This research also emphasized the pivotal role of trust in shaping user intentions toward mobile payments. Further findings highlighted the complex nature of privacy risks in the context of mobile payments and the significant surge in adoption rates during the COVID-19 pandemic. Research limitations/implications: This research was bound by a limited dataset size, which could influence the derived results. Potential inaccuracies from incomplete questionnaires might introduce non-statistical errors. With the ever-evolving nature of mobile payments, future studies could benefit from refining the research framework and incorporating additional variables. Originality/value: This study uniquely delves into the mobile payment scenario in Indonesia, challenging traditional views of risk and trust and offering fresh perspectives on consumer behavior. The innovative approach to analyzing mobile payment privacy policies and the spotlight on the role of perceived risks and trust in adoption intention set it apart. Its findings serve as a blueprint for both academics and practitioners in the mobile payment domain.