1. School of Industrial and Management Engineering, Korea University, Seoul, Republic of Korea
2. CB Business Department 5, Korea Credit Bureau, Seoul, Republic of Korea
3. School of Physiology, College of Medicine, Korea University, Seoul, Republic of Korea
4. College of Software and Convergence, Kangwoon University, Seoul, Republic of Korea
5. Department of Industrial and Management Systems Engineering, Kyung Hee University, Yongin, Republic of Korea