초록

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Abstract ▼ AI-Helper

Due to technological advancements and increases in online transactions, the market for electronic payment systems is growing rapidly. Despite national countermeasures to address fraud and properly regulate the rapidly changing online payment methods, companies continue to find new payment ways. Init...

Due to technological advancements and increases in online transactions, the market for electronic payment systems is growing rapidly. Despite national countermeasures to address fraud and properly regulate the rapidly changing online payment methods, companies continue to find new payment ways. Initially, this study analyzes the uses of traditional electronic payment systems such as credit cards, bank transfers, virtual accounts, phone bills, PayPal, and the Check-out system. These traditional systems require much information to sign up for, including the credit card number, expiration, and security codes. However, after signing up only a user name and password is needed to make purchases. Therefore, these systems have both the initial hassle and low security. In contrast, the study introduces a new electronic payment system that enhances the security of traditional systems without sacrificing the ease of use. The billing system requires an ID, password, and OTP (One Time Password) to pay for small online transactions (under 300,000 Won). With this system multiple transactions may be made online with substantially lower risks of fraud without sacrificing ease of use. Further research involves an empirical study of the ability of this system to alleviate the concerns of companies in practice.

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