Earticle

초록

영어

When a customer owns multiple credit cards, the selection of a credit card for a purchase payment is rarely done systematically. Furthermore, the customer has no online options to pay a high cost item with multiple cards. This paper presents a flexible Payment Recommender (PR) system that helps the customer to make a decision on identifying a group of credit cards, called Virtual Card, which provides customers with the flexibility of customizing their payments by splitting a payment over multiple cards. This intelligent PR system uses a divisible card payment decision model based on fuzzy membership functions of the customer’s weighted preference parameters and suggests the best card or best combination of cards to the customer. The PR system uses the Virtual Card Manager (VCM) that modifies and extends the existing single credit card-based payment infrastructure, to support processing multiple card-based flexible payments. A prototype PR system was implemented, that can be installed on the customer’s PC or mobile device, to manage multiple credit cards and personal preferences, and to support making payment decisions. A user acceptability study of the proposed PR system is also reported.

목차

Abstract
1. Introduction
2. Related Work
3. The Divisible Card Payment Decision Model
4. The Flexible Card Payment Processing Infrastructure
5. Payment Recommender Prototype System
5.1 Card management Component
5.2 Payment Recommendation Component
5.3 Virtual Card Processing Component
5.4 Implementation Options
6. Survey Studies on Payment Recommender System
6.1 General Acceptability Analysis
6.2 Factor analysis to identify the underlying major factors
6.3 An example of evaluating a credit card using the identified factors
7. Conclusions and Future Work
References
Appendix A– Correlation Matrix

키워드

저자

• Soon Ae Chun [ City University of New York – College of Staten Island ]
• Yoo Jung An [ Fairleigh Dickinson University ]
• Sunju Park [ Yonsei University, Seoul, Korea ]
• June-Suh Cho [ HanKook University of Foreign Studies, Seoul, Korea ]
• James Geller [ New Jersey Institute of Technology ]

참고문헌

발행기관

간행물

표지보기 관심저널 등록

• 간행물명

  정보화연구 [정보화연구(구 정보기술아키텍처연구)]

• 간기

  계간

• pISSN

  1738-382X

• 수록기간

  2004~2026

• 등재여부

  KCI 등재

• 십진분류

  KDC 325 DDC 658