Boost Mobile Banking Monthly Active Customers with Vending Machines

Yongjie Zhu 한국디지털정책학회 2023 디지털정책학회지 Vol.2 No.1

본 중국에서는 시중은행들이 모바일뱅킹을 출시하고 있으며, 동질화된 상품으로 모바일뱅킹 경쟁이 치열하 다.모바일뱅킹 월간 활성고객(MAU)은 모바일뱅킹 운영 성과를 평가하는 중요한 지표로 시중은행들이 직면한 과 제이다.본 연구의 목적은 자동판매기를 이용하여 모바일뱅킹의 월간 고객활성화를 위한 전략을 모색하는 것이다. 본 연구는 문헌법과 사례법을 통해 연구를 수행하였으며, 연구 결과에 따르면 자동판매기를 사용하면 모바일뱅킹 의 월간 활성고객을 효과적으로 향상시킬 수 있을 뿐만 아니라 차별화된 전략을 실현하여 모바일뱅킹 시장을 점유 할 수 있다.동시에 이 연구는 상업 은행의 비즈니스 발전에 일정한 도움과 지도 의의가 있다. In China, commercial banks have launched mobile banking one after another, and the homogeneous products make the competition of mobile banking extremely fierce. Mobile banking monthly active users (MAU) is an important indicator to evaluate the operation results of mobile banking. How to improve mobile banking monthly active users is a problem faced by commercial banks. The purpose of this study is to explore strategies to increase monthly active customers of mobile banking with the help of vending machines. This research is carried out through the literature method and case method. The research results show that the use of vending machines can not only effectively increase the monthly active customers of mobile banking, but also realize the differentiation strategy to occupy the mobile banking terminal market. At the same time, this study is helpful and instructive for commercial banks to develop their business.

경제환경의 변화와 기업금융법제의 발전

정찬형 한국상사법학회 2015 商事法硏究 Vol.34 No.1

Ⅰ. Korean Commercial Code(Corporation Law)(Revision : Act No.10600, Declared April 14, 2011) (1) 2011 Korean Revised Commercial Code(hereinafter referred to as “KRCC”) diversified the classes of shares to provide convenience to companies in financing. Previous Korean Commercial Code(hereinafter referred to as “previous KCC”) provided non-voting shares, but only the class of shares having preferential rights as to the dividend of profits was provided to be non-voting shares(previous KCC §370(1)). 2011 Korean Revised Commercial Code deleted this limitation for non-voting shares(KRCC §344-3(1)). Moreover, 2011 Korean Revised Commercial Code provides the class of limited voting shares which is excluded from voting on certain agenda(KRCC §344-3(1)). Previous Korean Commercial Code provided redeemable shares only among shares having preferential right as to the dividend of profits, and the right of redeeming belongs to only the company(previous KCC §345). 2011 Korean Revised Commercial Code deleted this limitation(KRCC §345(1),(5)), and provides that the right of redeeming may belong to even shareholders as well as the company(KRCC §345(3)). Previous Korean Commercial Code provided that only shareholders with convertible shares may demand their shares to be converted into shares of another class(previous KCC §346(1)). However, 2011 Korean Revised Commercial Code provides that not only shareholders with convertible shares but also the company may demand for conversion(KRCC §346(2)). (2) 2011 Korean Revised Commercial Code introduced no-par value stock system. Namely, 2011 Korean Revised Commercial Code states that a company may issue no-par value shares provided when this company specified it in the articles of incorporation, in case a company issues no-par value share, the company shall not issue stock with par value(KRCC §329(1)). Companies may transfer their no-par value stocks into par value stocks or their par value stocks into no-par value stocks(KRCC §329(4),(5)), however the capital is not affected by the transfer(KRCC §451(3)). (3) 2011 Korean Revised Commercial Code introduced electronic registration system of stocks, bonds etc.(KRCC §§356-2, 420-4, 478(3), 516-7, 65(2)). Companies may register their shares to electronic stock registering institution(designated by authorities to deal with electronic stock registration) in accordance with the articles of incorporation(KRCC §356-2(1)). Since electronic registration substitutes the issuance of stock certificates, the stock should be issued prior to electronic registration. (4) Under the previous Korean Commercial Code, the total amount of bonds shall not exceed four times the amount of net assets of the company as shown by the latest balance sheet(previous KCC §470(1)), and a company shall not offer new bonds for subscription until the amount of bonds previously subscribed has been fully paid(previous KCC §471). Moreover, the previous Korean Commercial Code provided that the face amount of each bond shall not be less than ten thousand Korean Won(previous KCC § 472) and there was the restriction of equal rate’s amount on redemption in excess of par value(previous KCC §473). 2011 Korean Revised Commercial Code dropped trese articles to provide convenience to companies in financing. Under previous Korean Commercial Code, only convertible bonds(CB) and bonds with stock purchase warrants(BW) were provided. 2011 Korean Revised Commercial Code in addition to CB and BW provides participating bond, exchangeable bond, callable bond, derivative linked bond(KRCC §469(2),(3)). Ⅱ. Act of Korean Capital Market and Financial Investment Business The Act of Korean Capital Market and Financial Investment Business(hereinafter referred to as “Capital Market Act”) has special provisions for listed companies which are different from those of Korean Commercial Code. (1) Under Capital Market Act § 165-6(1)(3), the listed company which issues new share...

The Effect of the QR Code Commission Rate on Commercial Banks in China

주영걸,김산월 한국디지털정책학회 2022 디지털융복합연구 Vol.20 No.5

In China, with the rise of third-party payments such as WeChat Pay and Alipay, the traditional business of banks has been greatly affected. Banks can encourage and expand QR code payments to merchants. Therefore, it is meaningful to analyze and study the QR code work of banks. The purpose of this study is to analyze the effect of the execution of the zero-rate of the comprehensive payment QR code combined with the payment cycle and Funds Transfer Pricing (FTP) on commercial banks in China. Based on the manually collected customer data of Chinese commercial banks, this paper conducts a case analysis combined with the calculation method of financial indicators. As a result of the study, it was found that commercial banks need to continue to implement the policy as the advantages of introducing the integrated QR code fee rate 0 policy are greater than the disadvantages. This paper provides feasible suggestions on how to quickly occupy the offline payment market for commercial banks, which has guiding significance for commercial banks' marketing decisions. Presently, there are few studies on the zero-rate subsidy policy implemented by Chinese commercial banks.

무선 센서 네트워크상에서 코드뱅킹 및 델타이미지 기반의 효율적인 센서노드 소프트웨어 업데이트 기법

남영진,남민석,박영균,김창훈,이동하,Nam, Young-Jin,Nam, Min-Seok,Park, Young-Kyun,Kim, Chang-Hoon,Lee, Dong-Ha 대한임베디드공학회 2009 대한임베디드공학회논문지 Vol.4 No.3

Software update has been regarded as one of fundamental functions in wireless sensor networks. It can disseminate a delta-image between a current software image operating on a sensor node and its new image in order to reduce an update image(transmission data) size, resultantly saving energy. In addition, code-banking capability of micro-controllers can decrease the update image size. In order to maximize the efficiency of the software update, the proposed scheme exploits both the delta-image and the code-banking at the same time. Besides, it additionally delivers a recovery delta-image to properly handle abnormal conditions, such as message corruptions and unexpected power-off during the update.

모아건강 증진을 위한 바코드 기반의 기증모유 표준화 질 관리시스템의 디자인 구축 및 평가도구 개발

오남수,한원호,박현순,강남미 한국디자인트렌드학회 2020 한국디자인포럼 Vol.25 No.2

Background Human milk (HM) is well known to have lots of advantages for infants in nutritional, protective, and developmental aspects. However, some of infants are not accessible to their own mothers’milk. WHO strongly recommended the pasteurized donor milk as the first option for such infants. For the effective and safe supply of pasteurized donor milk, numerous HM banks are established and very actively operating globally. In the HM banks, very specialized methods are warranted including the donor selection, collection, storage, processing, recipient selection, and distribution. Unfortunately, the HM bank is not active and even officially established in Korea. The aim of the current study is to find and to recommend a standardized system ensuring the safety and easily acceptable to Korean mothers and general health care facilities in Korea. Methods We reviewed the literatures and the previous surveillance studies for the issues on the Korean HM banks to explore the requests on the establishment of HM bank in Korea. Following the review results, the authors designed the barcode-based HM bank management and tracking system suitable in Korea. Result In the previous studies, the safety and accessibility of HM bank were the most important issues for the Korean mothers. To minimize the concerns on the safety of donated HMs, the tracking system from the donor to the recipients was applied. Moreover, the system was optimized to enhance the function of the localization of the HM banks. conceptual barcode label system was developed to meet the Korean mothers’ requests. Conclusion The barcode-based standardized HM bank manage system for Korean HM bank was developed. The system would be most appropriate design for localization model of Korean HM bank. We hope this novel model would help for the activation and effective operation of HM bank in Korea.-This research was supported by Basic Science Research Program through the National Research Foundation of Korea(NRF) funded by the Ministry of Education(No.2017R1D1A1B03034270); This work was supported by the National Research Foundation of Korea(NRF) grant funded by the Korea government. (MSIT) (No.2020R1A2C1005082).- 연구배경 모유는 영아에게 영양, 질병예방 및 성장발달 측면에서 많은 이점이 있음에도 불구하구 모유부족으로 모유수유가 중단되어야 하는 경우가 있다. 이러한 영아에게 WHO는 저온살균 기증모유를 권장하고 있다. 이에 모유의 효과적이고 안전한 공급을 위해 모유은행이 전 세계적으로 설립되어 매우 활발하게 운영되고 있다. 모유은행이 안전하고 효율적으로 운영되기 위하여 기증자 선정, 수거, 저장, 처리, 수혜자 선정 및 배포에 있어서 각 국가별 특성을 반영한 관리 방법이 요구되고 있으나, 우리나라는 모유은행 관리방법이 공식적으로 확립되어 있지 않은 상태이다. 이에 본 연구는 안전성을 보장하고 산모와 지역사회 보건의료시설이 쉽게 접근 가능하게 하는 바코드 기반의 기증모유관리 시스템을 통한 모유은행 표준 관리 시스템을 개발하는데 목적이 있다. 연구방법 국내 모유은행 실태, 기증자 및 수혜자 요구 에 관한 문헌고찰 등의 사전연구를 통해, 한국형 모유은행 설립에 필요한 사항을 탐색하였다. 또한, 이를 토대로 도출한 국내 특성을 반영한 바코드 기반 모유 관리 및 추적 시스템의 내용을 설계 디자인하였다. 연구결과 모유은행의 안전성과 접근가능성이 한국 산모들에게 가장 중요한 문제점으로 나타났다. 이에 모유은행의 지역화 기능을 향상시키도록 바코드를 활용한 모유트래킹 관리시스템을 개발하고, 한국 산모의 요구에 맞는 개념적 바코드 라벨 시스템을 내용설계 하였다. 또한, 모유은행 기증 모유의 안전에 대한 우려를 최소화하기 위해 기증부터 수혜까지 추적 가능한 바코드 트래킹 추적 관리시스템을 적용하여 개발하였다. 결론 모유은행 기증모유의 모아건강에서의 효과, 기전 및 활용 평가를 위하여 한국형 모유은행 관리를 위한 체계적인 표준 프로세스와 바코드 라벨 디자인이 개발되었다. 본 시스템이 한국 모유은행의 지역형 모델을 위한 가장 적합한 디자인일 것으로 판단되며, 본 모델을 바탕으로 한 한국형 모유은행의 활성화와 효율적 운영을 기대한다.

우리나라 외환관리의 발전방향

서문식 한국금융법학회 2008 金融法硏究 Vol.5 No.2

Ⅰ. Introduction Since 1997 when Korea received bail out money from International Monetary Fund(IMF) Korea has expedited foreign exchange liberalization policy according to Memorandum of Understanding contracted between Korean government and IMF. Deregulation on foreign exchange control have some positive effects; it removes obstacles on transactions with nonresidents, reduces transaction cost, increases worldwide trades so that eventually contributes to global economic interest. However, liberalization makes a country give up her own policy measures to cope with deficit of balance of payments. Moreover, opening foreign exchange market or stock exchange market makes it difficult to protect her country from attacks by foreign capital. Korea experienced this kind of problems in September, 2008, when I am writing this thesis, as well as in 1997. Therefore, I think we need to examine the speed and priority of foreign exchange liberalization policy at this time. Ⅱ. Foreign Exchange Control in Korea The usual type of foreign exchange control which had been set up through the two World War looks like this; All foreign currencies resident acquired should be deposited or sold to government or his agent to a central pool in return for local currency at specified rates. Foreign exchange is then distributed from the pool, through licensing or similar devices, to those persons who meet the criteria of the particular governmental plan. Korea also adopted this structure in the Foreign Exchange Control Act of 1961. The act is based on three basic rules; 1. All foreign exchange should be pooled, 2. Foreign exchange can be used by only one who has actual demand, 3. All foreign transactions should be monitored by banks. There are various ways to pool foreign currencies; sales, deposit, custody and registration. Sales pooling can be said to be the strongest measure. Korea established sales pooling system in 1961. Afterward, the duty of pooling have been alleviated. One example is that government permits individuals to retain foreign exchange below 3,000 dollars in 1978. In February 1995, government abolished the duty of pooling foreign exchange, so that residents become to freely retain foreign exchange. The second rule, actual demand rule, is required to forbid insufficient foreign currencies to be wasted or to be used for speculative purpose. Foreign exchange can be bought from banks only when residents prove actual demand until in 1994 government allows corporation or individuals to buy foreign exchange without proving actual demand within a limited amount. This ceiling was eliminated in January, 2001, so that actual demand rule was abolished. Now a resident can buy foreign exchange without limitation even for the purpose of speculation. Actual demand rule in future, swap transactions was also abolished in April, 1994. The third basic rule is that all foreign transactions should be settled through banking system. This makes government be possible to monitor all foreign transactions, get statistics concerning outflow/inflow of foreign exchange. Thus, a bank that wants to do foreign exchange business have to equip certain physical or personal requirements and get a license from government. Moreover, the Foreign Exchange Control Act of 1961 of Korea was designed under the triple checking system copying the Foreign Exchange and Trade Act of 1949 of Japan. There are three barriers to pass in order to complete foreign transactions; barrier at the step of underlying transactions, barrier at the step of remittance or receipt, and barrier at airport or seaport. For example, one who want to export or import have to report to authorities with required documents. This is a regulation at the step of underlying transactions. When the person pays or receives money to/from counterpart, banks examine whether the underlying transactions were permitted or not. This is a regulation at the step of remitta... Ⅰ. Introduction Since 1997 when Korea received bail out money from International Monetary Fund(IMF) Korea has expedited foreign exchange liberalization policy according to Memorandum of Understanding contracted between Korean government and IMF. Deregulation on foreign exchange control have some positive effects; it removes obstacles on transactions with nonresidents, reduces transaction cost, increases worldwide trades so that eventually contributes to global economic interest. However, liberalization makes a country give up her own policy measures to cope with deficit of balance of payments. Moreover, opening foreign exchange market or stock exchange market makes it difficult to protect her country from attacks by foreign capital. Korea experienced this kind of problems in September, 2008, when I am writing this thesis, as well as in 1997. Therefore, I think we need to examine the speed and priority of foreign exchange liberalization policy at this time. Ⅱ. Foreign Exchange Control in Korea The usual type of foreign exchange control which had been set up through the two World War looks like this; All foreign currencies resident acquired should be deposited or sold to government or his agent to a central pool in return for local currency at specified rates. Foreign exchange is then distributed from the pool, through licensing or similar devices, to those persons who meet the criteria of the particular governmental plan. Korea also adopted this structure in the Foreign Exchange Control Act of 1961. The act is based on three basic rules; 1. All foreign exchange should be pooled, 2. Foreign exchange can be used by only one who has actual demand, 3. All foreign transactions should be monitored by banks. There are various ways to pool foreign currencies; sales, deposit, custody and registration. Sales pooling can be said to be the strongest measure. Korea established sales pooling system in 1961. Afterward, the duty of pooling have been alleviated. One example is that government permits individuals to retain foreign exchange below 3,000 dollars in 1978. In February 1995, government abolished the duty of pooling foreign exchange, so that residents become to freely retain foreign exchange. The second rule, actual demand rule, is required to forbid insufficient foreign currencies to be wasted or to be used for speculative purpose. Foreign exchange can be bought from banks only when residents prove actual demand until in 1994 government allows corporation or individuals to buy foreign exchange without proving actual demand within a limited amount. This ceiling was eliminated in January, 2001, so that actual demand rule was abolished. Now a resident can buy foreign exchange without limitation even for the purpose of speculation. Actual demand rule in future, swap transactions was also abolished in April, 1994. The third basic rule is that all foreign transactions should be settled through banking system. This makes government be possible to monitor all foreign transactions, get statistics concerning outflow/inflow of foreign exchange. Thus, a bank that wants to do foreign exchange business have to equip certain physical or personal requirements and get a license from government. Moreover, the Foreign Exchange Control Act of 1961 of Korea was designed under the triple checking system copying the Foreign Exchange and Trade Act of 1949 of Japan. There are three barriers to pass in order to complete foreign transactions; barrier at the step of underlying transactions, barrier at the step of remittance or receipt, and barrier at airport or seaport. For example, one who want to export or import have to report to authorities with required documents. This is a regulation at the step of underlying transactions. When the person pays or receives money to/from counterpart, banks examine whether the underlying transactions were permitted or not. This is a regulation at the step of remittance or receipt. Besides these, one who carry foreign ...

$H_\infty$ 제어기법을 적응한 다중비 필터 뱅크의 설계

이상철,박종우,박계원 한국정보통신학회 2001 한국정보통신학회논문지 Vol.5 No.6

다중비 필터뱅크의 합성 필터 선계 문제에 H$\infty$ 제어기법을 적용한다. 순수한 시간 지연 시스템을 기준 모델로 설정하여 이 지연 시스템과 다중비 필터 뱅크와의 오차 시스템을 고려한다. 설계 하고자 하는 합성 필터는 오차 시스템의 ι$_2$-유도된 노름을 최소화하도록 설계한다. A H$\infty$ control theory is applied to the design problem of synthesis filters in a mutirate filter bank. We select a desired pure time-delay system as reference model, and then consider the error system between the mutirate filter bank and the reference model. 1'he synthesis filters minimize the ι$_2$-induced norm of the error system.

웨이블릿 변환에 의한 정보 압축

김응규,권영도 한밭대학교 정보통신전문대학원 2005 정보통신전문대학원 논문집 Vol.3 No.1

본 연구에서는 웨이블릿 변환법에 기반한 정보압축을 제안한다. 신호와 화상의 압축 원리는 그 전력이 낮은 영역쪽으로 집중한다는 것을 이용한 비트의 할당, 즉 최적 양자화로, 주파수 분해방법으로써 이산코사인 변환법과 하부밴드 부호화 등이 실용화되고 있다. 본 연구에서 취급하는 웨이블릿 변환법도 그중의 한가지로 신호를 다중해상도로 분해해서 최적양자화를 행한다. 웨이블릿 변환은 주파수분할 방법 중의 하나로서 이산코사인 변환 또는 서브밴드 필터링 그리고 필터뱅크로 구현할 수 있다. 또한 공간적으로 국한(집중)되는 기저함수의 우수한 성질로부터 다른 방법에서 지적되어진 단점을 억제하는 효과가 있어, 다른 방법과 비교하면서 웨이블릿 변환의 장점에 대해서도 기술한다. In this study, on information compression based on the wavelet technique is described. The principle of signal or image compression is performed by optimization of quantization, that is the bit allocation taking advantage of their energy concentration in low frequency components. The wavelet transform is one of frequency decomposition, such as the discrete cosine transform or sub-band filtering, and it is also implemented as a filter bank. Wavelet transform with use of spatially localized basis function can reduce several drawbacks in conventional methods. The benefit of wavelet based compression method is described as comparing the transform method to another ones.

스마트폰을 이용한 은행 보안카드 자동 인식

김진호(n-Ho Kim) 한국콘텐츠학회 2016 한국콘텐츠학회논문지 Vol.16 No.12

모바일 뱅킹을 위해 제공되는 다양한 서비스들 중에 은행 보안카드를 이용한 사용자 인증 방식이 여전히 많이 활용되고 있다. 보안카드의 보안코드를 스마트폰에 암호화하여 저장해 두고 모바일 뱅킹을 위해 사용자 인증이 필요할 때 자동 입력되도록 한다면 보안카드를 소지하지 않고서도 모바일뱅킹을 안전하고 편리하게 사용할 수 있다. 본 논문에서는 스마트폰 카메라를 이용하여 보안카드의 보안코드를 자동으로 인식하고 스마트폰에 등록할 수 있는 보안카드 자동 인식 알고리즘을 제안하였다. 다양한 무늬의 배경이 디자인된 보안카드에서 숫자들만 정확하게 추출하기 위해 개선된 적응적 이진화 방법을 사용하였고 훼손되거나 붙은 숫자들까지 분할 인식하기 위해 적응적 2차원 레이아웃 해석 기법도 제안하였다. 제안한 알고리즘을 안드로이드 및 아이폰에 구현하고 실험해본 결과 매우 우수한 인식 결과를 얻을 수 있었다. Among the various services for mobile banking, user authentication method using bank security card is still very useful. We can use mobile banking easily and safely in case of saving encoded security codes in smart phone and entering codes automatically whenever user authentication is required without bank security card. In this paper automatic recognition algorithm of security codes of bank security card is proposed in oder to enroll the encoded security codes into smart phone using smart phone camera. Advanced adaptive binarization is used for extracting digit segments from various background image pattern and adaptive 2-dimensional layout analysis method is developed for segmentation and recognition of damaged or touched digits. Experimental results of proposed algorithm using Android and iPhone, show excellent security code recognition results.

EU通貨統合과 관련한 프랑스의정치·경제학적 이해관계Ⅰ. 서 론

손수석 한국유럽학회 2002 유럽연구 Vol.15 No.-

The Political and Economic Interests of France in Relation to the European Monetary Integration