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Construction scheme of blockchain in the field of supervision
Publish: 2021-03-27 21:59:12
1.
blockchain technology is widely used. Under the integration of new technologies, the main application scenarios of blockchain include finance and insurance, intelligent manufacturing, intelligent environmental protection, energy and power, health care, ecation, culture and innovation, smart city, social welfare, agriculture and many other fields
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blockchain + finance
blockchain can help financial institutions solve problems such as trust and data sharing
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blockchain + right art
Tianhe Guoyun's blockchain right system
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3. Blockchain + government
in statistics, voting, budget management and other aspects, blockchain can rece costs, improve efficiency, and increase transparency, so as to prevent the risk of failure of centralized system
4. Blockchain + insurance
fraud identification and risk prevention: by placing insurance claims under an unchangeable general ledger, blockchain helps to eliminate the common sources of fraud in the insurance instry
property insurance and accidental injury insurance: policies and shared ledgers recorded in the form of smart contracts can improve the efficiency of property insurance and accidental injury insurance
Health Insurance: blockchain technology enables medical records to be encrypted and shared among health service providers, thus improving the interoperability of the health insurance ecosystem
Reinsurance: the information security of reinsurance contracts on the blockchain platform can be ensured through the form of smart contracts, which can rece the amount of information and simplify the payment process between insurers and reinsurers
2. It's hammered out, and it's on the 60th floor. How can you get to the 108th floor and still don't know how to get the sage's stone? The number of layers of sage's stone in the spring mine is 60102123152155171190202222231 ~ 255. There is only one stone on each floor, and it won't appear in the eight blocks around the stairs and a circle against the wall
3. From the published R & D results, there have been some significant progress in the core basic technology fields of blockchain, such as "consensus algorithm", "encryption algorithm", "smart contract situational test". The feature of complete "decentralization" of blockchain is not applicable in the financial field, and distributed and polycentric is expected to become a realistic choice. Blockchain, known as a disruptive technology, will become the key infrastructure of Internet Finance and even the whole financial instry. At present, capital and institutions at home and abroad are speeding up the layout of blockchain technology. Experts said that the rapid development of blockchain technology is becoming a hot spot for investment. This year, the financing amount of blockchain venture projects has exceeded 1.4 billion US dollars
in recent years, the investment field has been paying more attention to blockchain. Since the beginning of bitcoin, blockchain technology has been explored in many application fields. Nasdaq, New York Stock Exchange, Citibank and other overseas financial institutions are also trying to carry out business innovation of blockchain finance, and the development of blockchain technology is also a major focus in China., For reference only!
in recent years, the investment field has been paying more attention to blockchain. Since the beginning of bitcoin, blockchain technology has been explored in many application fields. Nasdaq, New York Stock Exchange, Citibank and other overseas financial institutions are also trying to carry out business innovation of blockchain finance, and the development of blockchain technology is also a major focus in China., For reference only!
4. I don't know about other things. Anyway, I've been shopping in a certain treasure. I don't want to be distracted from other things. Anyway, if I have a little money, there are few detours, and I'm satisfied without falling
5. The upgrading of blockchain technology enables blockchain applications to achieve regulatory
in the Internet era, computers have proposed many ways of trusted computing for a long time, that is, any blockchain technology node adopts the mole of trusted computing. Therefore, trusted computing can make it easier to upgrade and iterate technologies in distributed networks
in terms of the real name system of blockchain technology, there is a blockchain Technology Laboratory in the United States, and they have put forward many technical solutions for the real name system. For example, the current blockchain technology is point-to-point. In many countries, such as South Korea, each of them has an e-Certificate, and they need to use the real name e-Certificate for signature in the transaction. Of course, there is a simpler solution. We can store the IP address of the whole device as part of the transaction in the blockchain application
in this way, the transaction of the whole blockchain technology can realize the real name system of technology. So this is an optional real name system. We can build a real name blockchain application network or an anonymous blockchain application network
Super key is also a significant progress in the development of blockchain technology. Because it is a distributed network, how can we supervise and control it? Cryptography, we call it multi signature
we (yunbokeji) design different blockchain application networks. If it is a blockchain application network used by a bank, we can design a super key. The keys of all nodes must be combined with the super key to generate wallets
then, the super key should be in the hands of regulators or some institutions, who can have limited control over blockchain applications. For example, the data on the current blockchain application can not be deleted, so the super key actually allows the authority to modify the distributed network
so what kind of technology is blockchain:
(1) distributed decentralization,
(2) no need to trust the system,
(3) tamper proof and encryption security. I know these words separately, but what do they mean together
1. Distributed and decentralized. It's all about this on the Internet. There's no need to say more. In short, there's no need for a central server. Everyone's data is obtained from this server. Instead, the data is put on N networked devices, and everyone can download and store it
2. There is no need to trust the system. Do you believe in banks? Because the bank is recognized by the state, the blockchain realizes a trust mode without the need of a third party. It uses n devices on the Internet to store data, which can be verified by everyone. As long as more than half of the people think you're right, you're right. No one or organization can modify more than half of the content on the Internet. If you don't believe in yourself, congratulations. You are a great philosopher
3. Tamper proof and encryption security
the blockchain adopts a series of technologies, such as sha256 and ripemd160, to ensure tamper proof and encryption security. For example, 01011000111110 represents a character. The algorithm requires four bits to be shifted to the left, supplemented by zeros, four bits to the left, and four zeros to the right, How to dece the original number according to the result? Of course, this is just a simple example.
in the Internet era, computers have proposed many ways of trusted computing for a long time, that is, any blockchain technology node adopts the mole of trusted computing. Therefore, trusted computing can make it easier to upgrade and iterate technologies in distributed networks
in terms of the real name system of blockchain technology, there is a blockchain Technology Laboratory in the United States, and they have put forward many technical solutions for the real name system. For example, the current blockchain technology is point-to-point. In many countries, such as South Korea, each of them has an e-Certificate, and they need to use the real name e-Certificate for signature in the transaction. Of course, there is a simpler solution. We can store the IP address of the whole device as part of the transaction in the blockchain application
in this way, the transaction of the whole blockchain technology can realize the real name system of technology. So this is an optional real name system. We can build a real name blockchain application network or an anonymous blockchain application network
Super key is also a significant progress in the development of blockchain technology. Because it is a distributed network, how can we supervise and control it? Cryptography, we call it multi signature
we (yunbokeji) design different blockchain application networks. If it is a blockchain application network used by a bank, we can design a super key. The keys of all nodes must be combined with the super key to generate wallets
then, the super key should be in the hands of regulators or some institutions, who can have limited control over blockchain applications. For example, the data on the current blockchain application can not be deleted, so the super key actually allows the authority to modify the distributed network
so what kind of technology is blockchain:
(1) distributed decentralization,
(2) no need to trust the system,
(3) tamper proof and encryption security. I know these words separately, but what do they mean together
1. Distributed and decentralized. It's all about this on the Internet. There's no need to say more. In short, there's no need for a central server. Everyone's data is obtained from this server. Instead, the data is put on N networked devices, and everyone can download and store it
2. There is no need to trust the system. Do you believe in banks? Because the bank is recognized by the state, the blockchain realizes a trust mode without the need of a third party. It uses n devices on the Internet to store data, which can be verified by everyone. As long as more than half of the people think you're right, you're right. No one or organization can modify more than half of the content on the Internet. If you don't believe in yourself, congratulations. You are a great philosopher
3. Tamper proof and encryption security
the blockchain adopts a series of technologies, such as sha256 and ripemd160, to ensure tamper proof and encryption security. For example, 01011000111110 represents a character. The algorithm requires four bits to be shifted to the left, supplemented by zeros, four bits to the left, and four zeros to the right, How to dece the original number according to the result? Of course, this is just a simple example.
6. Blockchain solution:
(1) in the payment initiation stage: in KYC (anti money laundering authentication), the identity information of the remitter can be put into the chain, and the trust between the payer and the bank (or remittance institution) can be established by means of electronic identity file, We can also define the rights and obligations of transfer behavior between payers through smart contract
(2) in the stage of fund transfer: all behaviors in the process of fund transfer, including identification of both parties, confirmation of exchange rate, transfer amount, transfer time, payment terms and other information, can be carried out through the smart contract, which can realize real-time transfer without delay, and does not need the participation of the agent bank to rece the intermediate cost
(3) in the fund delivery stage: according to the smart contract, it will be automatically deposited into the payee's account after the agreed time, or the payee will be allowed to withdraw after KYC authentication process by the receiving bank
(4) in the regulatory phase: no effort is needed to write a report. Since the information on the blockchain is tamperable and traceable, all relevant transaction information can be found in the blockchain. Regulators can review at any time, or even meet the needs of continuous review
at present, bitcoin and Ethereum are more oriented to technology geeks and indivial users. The future value of blockchain must be realized at the enterprise level, and the enterprise's demand for blockchain is ultimately implemented in terms of security, stability and ease of use
security is easy to understand. After all, the data running on the blockchain in the future are the assets of the enterprise, so the enterprise's requirements for security are the first. The recent theft of Ethernet and bitcoin has brought great pressure to enterprise users
stability is also crucial to enterprise application scenarios. The bifurcations of bitcoin in enterprise applications should be eliminated and unacceptable
ease of use is the biggest obstacle to the implementation of blockchain in enterprises. Many enterprises lack sufficient blockchain developers and development tools, and the business analysis and demand analysis of blockchain are vague, which makes it difficult to make decisions on blockchain projects.
(1) in the payment initiation stage: in KYC (anti money laundering authentication), the identity information of the remitter can be put into the chain, and the trust between the payer and the bank (or remittance institution) can be established by means of electronic identity file, We can also define the rights and obligations of transfer behavior between payers through smart contract
(2) in the stage of fund transfer: all behaviors in the process of fund transfer, including identification of both parties, confirmation of exchange rate, transfer amount, transfer time, payment terms and other information, can be carried out through the smart contract, which can realize real-time transfer without delay, and does not need the participation of the agent bank to rece the intermediate cost
(3) in the fund delivery stage: according to the smart contract, it will be automatically deposited into the payee's account after the agreed time, or the payee will be allowed to withdraw after KYC authentication process by the receiving bank
(4) in the regulatory phase: no effort is needed to write a report. Since the information on the blockchain is tamperable and traceable, all relevant transaction information can be found in the blockchain. Regulators can review at any time, or even meet the needs of continuous review
at present, bitcoin and Ethereum are more oriented to technology geeks and indivial users. The future value of blockchain must be realized at the enterprise level, and the enterprise's demand for blockchain is ultimately implemented in terms of security, stability and ease of use
security is easy to understand. After all, the data running on the blockchain in the future are the assets of the enterprise, so the enterprise's requirements for security are the first. The recent theft of Ethernet and bitcoin has brought great pressure to enterprise users
stability is also crucial to enterprise application scenarios. The bifurcations of bitcoin in enterprise applications should be eliminated and unacceptable
ease of use is the biggest obstacle to the implementation of blockchain in enterprises. Many enterprises lack sufficient blockchain developers and development tools, and the business analysis and demand analysis of blockchain are vague, which makes it difficult to make decisions on blockchain projects.
7. In other words, we should establish the regchain, supervise the blockchain instry with the help of
blockchain
technology, and establish the framework of
financial supervision
from bimodal to
two-dimensional. Now the blockchain is developing more and more, and not only in the financial instry,
Changsha high tech Zone
has launched a SMIC blockchain service platform project, which is a blockchain + public service mode, and is soliciting enterprises to join the chain
blockchain
technology, and establish the framework of
financial supervision
from bimodal to
two-dimensional. Now the blockchain is developing more and more, and not only in the financial instry,
Changsha high tech Zone
has launched a SMIC blockchain service platform project, which is a blockchain + public service mode, and is soliciting enterprises to join the chain
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