지급결제에서 FinTech로 무현금화의 실현 가능성

김상진 ( Sang-jin¸ Kim ) 한국지급결제학회 2020 지급결제학회지 Vol.12 No.2

한국·중국·일본 동북아시아 3국은 오래 전부터 문화교류를 해왔지만 각자 사회 전반에 걸쳐 뚜렷한 정체성을 유지하고 있다. 특히 물건을 구매하는 결제수단 선호도를 보면 뚜렷한 차이를 알 수 있다. 한국에선 결제수단으로 신용카드 선호도가 높은 반면, 중국은 모바일 결제, 일본은 현금을 주로 사용한다. 한국의 현재 신용카드 결제 비중은 72%를 넘는 것으로 알려졌다. 여전히 현금사용이 28%나 된다. 한국인은 국제적으로 현금선호가 강한 나라이지만, 스웨덴 등의 나라에서는 급속히 현금 사용이 감소하고 있어 그 장점을 국민이 향유하고 있다. 정부가 근래에 있어서 무현금 결제의 보급을 정책목표의 하나로서 내걸고 있기 때문이다. 고액의 현금사용은 불공정 거래·불법 거래, 나아가 탈세 자금의 퇴장으로 연결되기 쉬우며, 그 방지를 위해서도 무현금화의 진전은 더 강하게 요구된다. 각국의 실정을 토대로 한 정책으로서는 당분간 현금거래, FinTech의 진흥 등을 선행시킬 수밖에 없지만, 향후 각국에서 무현금 거래는 현실이 될 것이다. 사용의 양적 제한(고액거래에의 현금사용의 제한)이라든지 질적 제한(지불종별의 현금사용의 제한) 등에 대해서도 규제범위 포함시키는 것이 적당하다고 생각된다. 무현금화의 검토에 있어서는 현재의 현금의 공급주체인 중앙은행의 미래에 대해서도 간단하게 언급할 필요가 있을 것이다. 본고에서는 비트코인과 같은 암호화폐나 민간 베이스의 가치가 안정적인 디지털 통화에 대해 별로 언급하지 않았다. 그러나 중앙은행 자체가 은행권을 대신해 디지털 통화를 발행함으로써, 무현금화를 실현하는 것은 가능할 것이다. 이것은 화폐제도·중앙은행 제도의 미래에 관련되는 큰 담론이므로, 여기에서는 본격적으로 검토하지 않지만, 스웨덴의 릭스뱅크는 디지털 통화인 ‘e크로나’의 도입을 위한 공정 등에 대해 발표하고 있다. 또한, 잉글랜드 은행에서도, 본격적인 검토가 이루어지고 있는 것 같다. 우리도 이러한 논의를 구상할 때, 이 모든 것을 염두에 두어야 한다는 사실만을 강조하고자 한다. The three countries in Northeast Asia, Korea, China, and Japan have long exchanged cultures, but each maintains a distinct identity throughout society. In particular, you can see a distinct difference if you look at the preference of payment methods for purchasing goods. In Korea, credit cards are preferred as a payment method, while mobile payments in China and cash are mainly used in Japan. It is known that the current share of credit card payments in Korea exceeds 72%. Still, 28% of cash is used. Koreans are a country with strong international preference for cash, but in countries such as Sweden, the use of cash is rapidly declining, and the people enjoy the advantage. This is because the government has recently put forward the spread of cashless payments as one of its policy goals. The use of large amounts of cash is likely to lead to unfair transactions, illegal transactions, and the exit of tax evasion funds, and further advances in cashless currency are required to prevent them. As a policy based on the circumstances of each country, cash transactions and FinTech promotions have no choice but to precede for the time being, but cashless transactions in each country will become a reality in the future. It is considered appropriate to include the regulatory scope for quantitative restrictions on use (restrictions on the use of cash in high-value transactions) and qualitative restrictions (restrictions on cash use by payment type). In the review of cashless currency, it is necessary to briefly mention the future of the central bank, which is the current cash supplier. In this article, we did not mention much about cryptocurrencies such as Bitcoin or digital currencies with stable private base values. However, it would be possible for the central bank itself to realize cashless by issuing digital currencies on behalf of banknotes. This is a big discourse related to the future of the monetary system and the central bank system, so it is not reviewed in earnest here, but Rixbank of Sweden is presenting the process for the introduction of the digital currency “ekrona”. Also, the Bank of England seems to be undergoing a full-scale review. I want to emphasize only the fact that we, too, need to keep all of this in mind when conceiving this discussion.

흰쥐 대동맥 수축에 대한 xylamine의 억제효과

김상진,강형섭,김진상,Kim, Sang-Jin,Kang, Hyung-sub,Kim, Jin-shang 대한수의학회 2004 大韓獸醫學會誌 Vol.44 No.3

The therapeutic efficacy of xylamine in the field of psychological medicine has been recognized for years and the drug is used to treat depression and some other conditions, but little is known about its mechanism of action on vascular system. Therefore, the present study was designed to investigate the influence of xylamine on the contractile responses of isolated rat thoracic arteries to phenylephrine(PE) and potassium chloride(KCl). Xylamine produced a concentration-dependent relaxation in PE-precontracted endothelium intact(+E) rat aortic rings, but not in a KCl-precontracted aortic rings. Also, xylamine inhibited the PE-induced contraction in concentration-dependent manner, but not in the high KCl-induced contraction in +E rings. This concentration-dependent inhibition was suppressed by the removal of the endothelium (-E). The inhibitory effects of xylamine($0.3{\mu}M$) on the PE-induced contractions were suppressed by N(G)-nitro-L-arginine(L-NNA), N(omega)-nitro-L-arginine methyl ester(L-NAME), aminoguanidine, dexamethasone, methylene blue, 1H-[1,2,4]oxadiazolo [4,3-a]quinoxalin-1-one(ODQ), indomethacin, ryanodine, tetrabutylammonium(TBA), lidocaine, procaine and 0 mM extracellular $Na^+$, but not by 2-nitro-4-carboxyphenyl-n,n-diphenylcarbamate(NCDC), lithium, nifedipine, verapamil, 0 mM extracellular $Ca^{2+}$, glibenclamide and clotrimazole. These findings suggest that xylamine could act as a vasorelaxant and direct inhibitor of arterial contraction. This vasorelaxation involves an endothelial nitric oxide (NO)/cGMP (guanosine 3',5'-cyclic monophosphate) pathway or cyclooxygenase system, and an interference with $Ca^{2+}$ release, TBA-sensitive $Ca^{2+}$-activated $K^+$ channels and $Na^+$$ channels.

흰쥐에서 ATP 결핍에 의한 혈중 Mg²⁺ 농도조절

김상진,백성수,심소연,오성숙,김진상,Kim, Shang-jin,Baek, Sung-soo,Shim, So-yeon,Oh, Sung-suck,Kim, Jin-shang 대한수의학회 2000 大韓獸醫學會誌 Vol.40 No.2

Since intracellular free $Mg^{2+}$ ($[Mg^{2+}]_i$) appears to be tightly regulated following cellular energy depletion, we hypothesized that the increase in $[Mg^{2+}]_i$ would result in $Mg^{2+}$ extrusion into circulation. Extracellualr $Mg^{2+}$ contents ($[Mg^{2+}]_o$) were measured in rat erythrocytes, the perfused heart and liver, and plasma in the anesthetized rat. Animals were injected intraperitoneally with sodium nitrite ($NaNO_2$) and plasma $Mg^{2+}$ was measured after the injection and then 10 and 20 minutes later. An increase in circulating (plasma) $Mg^{2+}$ ($[Mg^{2+}]_c$) and methemoglobin was observed in animals injected with $NaNO_2$ (30 mg/Kg). The time course of the effects demonstrated that $[Mg^{2+}]_c$ and methemoglobin continued to increase 10 minutes after the $NaNO_2$ injection. Under these conditions, there was a sustained increase in $[Mg^{2+}]_c$, but not in methemoglobin, which was inhibited by pretreatment with potassium cyanide (KCN, 4 mg/Kg), indicating that an increase in $[Mg^{2+}]_c$ was accompanied by ATP depletion. Injection of rotenone (0.9 mg/Kg) or 2,4-dinitrophenol (15 mg/Kg) also induced an increase in $[Mg^{2+}]_c$. Reduced respiration rate from 100/min to 10/min during 30 minutes also caused a time-dependent rise in $[Mg^{2+}]_c$. These increase in $[Mg^{2+}]_c$ were inhibited by pretreatment with KCN. In addition, ATP depletion by $NaNO_2$ or KCN sustainedly increased the $[Mg^{2+}]_o$ in rat erythrocytes. $Mg^{2+}$ efflux was stimulated by KCN in the perfused heart and liver, but not by $NaNO_2$. These results suggest that the activation of $Mg^{2+}$ effluxes into the circulation is directly dependent on the ATP depletion-induced increase in $[Mg^{2+}]_i$ and heart, liver and erythrocytes have a major pool of $Mg^{2+}$ that can be mobilized upon cellular energy state.

Effect of Mesoporous TiO₂ in Facilitated Olefin Transport Membranes Containing Ag Nanoparticles

김상진,정정표,김동준,김종학,Kim, Sang Jin,Jung, Jung Pyu,Kim, Dong Jun,Kim, Jong Hak The Membrane Society of Korea 2015 멤브레인 Vol.25 No.5

용액-확산 메커니즘에 의해 결정되는 기존의 고분자에서와는 달리, 촉진수송은 투과도와 선택도를 동시에 향상시킬 수 있는 기술이다. 본 연구에서는 은 나노입자, 폴리비닐피롤리돈, 7,7,8,8-테트라시야노퀴노디메탄으로 구성된 촉진수송 올레핀 분리막에 있어서, 메조기공 티타늄산화물($m-TiO_2$)에 대한 영향을 연구하였다. 특히 메조기공 티타늄산화물은 폴리비닐클로라이드-g-폴리옥시에틸렌 메타크릴레이트 가지형 공중합체를 템플레이트로 하여 쉽고 대량 생산이 가능한 방법으로 제조하였다. 엑스레이 회절분석에 따르면, 제조된 메조기공 티타늄산화물은 아나타제와 루타일 상의 혼합으로 구성되어 있으며, 결정의 크기가 약 16 nm 정도 되었다. 메조기공 티타늄산화물을 첨가하였을 때, 분리막의 확산도가 증가하여 혼합기체 투과도가 1.6에서 16 GPU로 증가하였고 선택도는 45에서 37로 약간 감소하였다. 메조기공 티타늄산화물이 첨가되지 않은 분리막은 장시간 성능이 유지되었으나, 메조기공 티타늄산화물이 첨가된 분리막의 경우 시간이 지남에 따라 투과도와 선택도가 감소하였다. 이는 티타늄산화물과 은 사이의 화학적 상호작용으로 은 나노입자의 올레핀 운반체로써의 활성을 감소시키기 때문으로 사료된다. Facilitated transport is considered to be a possible solution to simultaneously improve permeability and selectivity, which is challenging in normal polymeric membranes based on solution-diffusion transport only. We investigated the effect of adding mesoporous $TiO_2$ ($m-TiO_2$) upon the separation performance of facilitated olefin transport membranes comprising poly(vinyl pyrrolidone), Ag nanoparticles, and 7,7,8,8-tetracyanoquinodimethane as the polymer matrix, olefin carrier, and electron acceptor, respectively. In particular, $m-TiO_2$ was prepared by means of a facile, mass-producible method using poly(vinyl chloride)-g-poly(oxyethylene methacrylate) graft copolymer as the template. The crystal phase of $m-TiO_2$ consisted of an anatase/rutile mixture, of crystallite size approximately 16 nm as determined by X-ray diffraction. The introduction of $m-TiO_2$ increased the membrane diffusivity, thereby increasing the mixed-gas permeance from 1.6 to 16.0 GPU ($1GPU=10^{-6}cm^3$(STP)/($s{\times}cm^2{\times}cmHg$), and slightly decreased the propylene/propane selectivity from 45 to 37. However, both the mixed-gas permeance and selectivity of the membrane containing $m-TiO_2$ rapidly decreased over time, whereas the membrane without $m-TiO_2$ had more stable long-term performance. This difference might be attributed to specific chemical interactions between $TiO_2$ and Ag nanoparticles, causing Ag to lose activity as an olefin carrier.

Unusual Anterior Arch Fracture of C1 - 증 례 보 고 -

김상진,손찬영,김태홍,신형식,황용순,박상근,Kim, Sang Jin,Son, Chan Young,Kim, Tae Hong,Shin, Hyung Sik,Hwang, Young Soon,Park, Sang Keun 대한신경외과학회 2001 Journal of Korean neurosurgical society Vol.30 No.4

Fractures of C1 are not uncommon, constituting only 10% of all cervical spine injuries. There is a high prevalence of concomitant fractures of the second and first cervical vertebral complex. Surgical treatment is controversal. Mainstay of treatment is various combination of traction and cervical orthosis according to degree of displacement and location of fracture. We experienced unusual type of fracture, anterior arch fracture of C1 who had a history of total laminectomy of C1,2 due to cervical cord tumor(neurilemmoma arising from C2 root). We performed C1,2 lateral mass screw fixation with posterior fusion with good postoperative outcome.

흰쥐에서 혈관내피 의존적인 혈관이완과 혈압하강에 대한 propofol의 억제 효과

김상진,김정곤,조성건,강형섭,김진상,Kim, Shang-Jin,Kim, Jeong-gon,Joe, Sung-gun,Kang, Hyung-sub,Kim, Jin-shang 대한수의학회 2004 大韓獸醫學會誌 Vol.44 No.3

We studied the effect of propofol (PPF) on the endothelium-dependent vascular responses in isolated rat thoracic aorta. In aortic rings with endothelium, PPF inhibited the phenylephrine (PE)-induced contraction in a concentration-dependent manner. In PE-precontracted preparations, PPF attenuated the endothelium-dependent relaxation by acetylcholine but not by A23187. And PPF did not attenuate the endothelium-independent relaxation by sodium nitroprusside (SNP). The relaxation induced by acetylcholine in PE-precontracted aortic rings was significantly augmented by zaprinast, a cGMP-specific phosphodiesterase inhibitor, and this augmentation was inhibited by PPF. Although SNP-induced relaxation was significantly augmented by zaprinast, this augmentation was not inhibited by PPF. In preparations preconstricted with PE, the PPF-induced relaxation was inhibited by atropine. In addition, PPF attenuated the vasorelaxation by phosphodiesterase inhibitors (IBMX, Ro20-1724 or zaprinast except milrinone). In vivo, the infusion of acetylcholine and SNP showed decreased arterial blood pressure in rats. The pre-injection of PPF inhibited the acetylcholine-induced blood pressure lowering, but not the SNP-induced blood pressure lowering. These results suggest that PPF can attenuate in part the acetylcholine-induced vasorelaxation and blood pressure lowering through the inhibition of the acetylcholine receptor-mediated endothelium-derived relaxing factor by acting on endothelium. It is considered that the inhibitory effect of PPF on the vasorelaxation is due to the decreased level of cGMP which can be attributed to the inhibition of the muscarinic receptor and/or receptor-G-protein interaction.

코퍼스 기반 음성합성기를 위한 합성단위 경계 스펙트럼 평탄화 알고리즘

김상진,장경애,한민수,Kim Sang-Jin,Jang Kyung Ae,Hahn Minsoo 대한음성학회 2005 말소리 Vol.56 No.-

Speech unit concatenation with a large database is presently the most popular method for speech synthesis. In this approach, the mismatches at the unit boundaries are unavoidable and become one of the reasons for quality degradation. This paper proposes an algorithm to reduce undesired discontinuities between the subsequent units. Optimal matching points are calculated in two steps. Firstly, the fullback-Leibler distance measurement is utilized for the spectral matching, then the unit sliding and the overlap windowing are used for the waveform matching. The proposed algorithm is implemented for the corpus-based unit concatenating Korean text-to-speech system that has an automatically labeled database. Experimental results show that our algorithm is fairly better than the raw concatenation or the overlap smoothing method.

Olefin Separation Membranes Based on PEO/PDMS-g-POEM Blends Containing AgBF₄/Al(NO₃)₃ Mixed Salts

김상진,정정표,박철훈,김종학,Kim, Sang Jin,Jung, Jung Pyu,Park, Cheol Hun,Kim, Jong Hak The Membrane Society of Korea 2015 멤브레인 Vol.25 No.6

촉진수송은 기존의 고분자 막에서는 힘든, 투과도와 선택도를 동시에 향상시킬 수 있는 기술 중 한 가지이다. 촉진수송 분리막을 이용한 올레핀/파라핀 분리는 기존의 증류공정을 대체할 수 있는 기술로써 많은 관심을 받아왔다. 본 연구에서는 테트라플루오로붕산은/질산알루미늄의 혼합염이 포함된 고분자 블렌드 기반의 촉진수송 올레핀 분리막을 제조하였다. 자유 라디칼중합법을 이용하여 폴리다이메틸실록세인-g-폴리옥시에틸렌 메타크릴레이트 가지형 공중합체를 합성하였다. 또한, 폴리다이메틸실록세인-g-폴리옥시에틸렌 메타크릴레이트 매질에 폴리에틸렌옥사이드를 다양한 비율로 혼합하였다. 폴리에틸렌옥사이드를 폴리다이메틸실록세인-g-폴리옥시에틸렌 메타크릴레이트 가지형 공중합체 질량 대비 70%를 혼합하였을 때, 혼합기체 선택도 및 투과도는 5.6 및 10.05 GPU에 도달하였다. 이와 같은 복합막의 올레핀 분리 성능이 향상된 이유는, 분리막에 첨가된 은이온이 올레핀 기체분자의 선택적인 촉진 수송을 하였고, 또한 고투과성의 고분자 블렌드가 사용되었기 때문이다. 또한 은이온의 은나노입자로의 환원을 억제시키는 질산알루미늄의 첨가로 인해 복합막의 장시간 안정도를 향상시킬 수 있었다. Facilitated transport is one of the possible solutions to simultaneously improve permeability and selectivity, which is challenging in conventional polymer-based membranes. Olefin/paraffin separation using facilitated transport membrane has received much attention as an alternative solution to the conventional distillation process. Herein, we report olefin separation composite membranes based on the polymer blends containing $AgBF_4/Al(NO_3)_3$ mixed salts. Free radical polymerization process was used to synthesize an amphiphilic graft copolymer of poly(dimethyl siloxane)-graft- poly(ethylene glycol) methyl ether methacrylate (PDMS-g-POEM). In addition, poly(ethylene oxide) (PEO) was introduced to the PDMS-g-POEM graft copolymer to form polymer blends with various ratios. The propylene/propane mixed-gas selectivity and permeance reached up to 5.6 and 10.05 GPU, respectively, when the PEO loading was 70 wt% in polymer blend. The improvement of olefin separation performance was attributed to the olefin facilitating silver ions as well as the highly permeable blend matrix. The stabilization of silver ions in the composite membrane was achieved through the introduction of $Al(NO_3)_3$ which suppressed the reduction of silver ions to silver particles.

ICT EXPERT INTERVIEW - UHDTV

김상진,Kim, Sang-Jin 한국정보통신기술협회 2016 TTA저널 Vol.167 No.-

능동형 센서의 깊이 정보를 이용한 3D 객체 생성

김상진,유지상,이승현,Kim, Sang-Jin,Yoo, Ji-Sang,Lee, Seung-Hyun 한국컴퓨터산업학회 2006 컴퓨터産業敎育學會論文誌 Vol.7 No.5

본 논문에서는 능동형 센서를 이용하여 실사 객체에 대한 깊이 정보 및 칼라 정보를 획득하고 획득된 데이터를 이용하여 3D 객체를 생성하였다. 길이 정보를 획득하는 방법은 능동형 센서 모듈을 내장한 $Zcam^{TM}$ 카메라를 이용하였다. <중략>세 번째, 세부 파라미터를 조절하여 깊이 정보의 왜곡을 보정하고 보정된 깊이 정보를 이용하여 3D 메쉬 모델을 생성한 후, 서로 인접한 외곽 점들을 연결하여 완전한 객체 메쉬 모델을 만든다. 최종적으로, 완성된 객체 메쉬 모델에 칼라 영상 데이터의 칼라 값을 적용해 매핑 처리를 수행함으로써 3D 객체를 생성하였다. 실험을 통해 능동형 센서가 장착된 카메라로 획득한 데이터만으로 3D 객체를 생성할 수 있다는 가능성을 제시하였으며, 3차원 전용 스캐너를 이용한 것보다 데이터 획득이 간편하고 용이함을 알 수 있었다. In this paper, 3D objects is created from the real scene that is used by an active sensor, which gets depth and RGB information. To get the depth information, this paper uses the $Zcam^{TM}$ camera which has built-in an active sensor module. <중략> Thirdly, calibrate the detailed parameters and create 3D mesh model from the depth information, then connect the neighborhood points for the perfect 3D mesh model. Finally, the value of color image data is applied to the mesh model, then carries out mapping processing to create 3D object. Experimentally, it has shown that creating 3D objects using the data from the camera with active sensors is possible. Also, this method is easier and more useful than the using 3D range scanner.