Application of blockchain in bills

1. Imapp2.0 version of blockchain application center has been officially launched
imapp2.0 version of blockchain application center has been officially launched. Imapp is the world's first blockchain app store with universal dividends, which aims to create a super entrance to the blockchain instry and make it easier for users to use blockchain applications. The interface of imapp 2.0 is more concise and beautiful, the function adds news and DAPP, and the content enriches the guessing game. Through imapp, users can browse, forward, download, update and open the application to obtain imapp ecological token IA. The official imapp has reached a strategic cooperation with the bitcoin diamond foundation. Ecocard ia can exchange bitcoin diamond BCD at a certain proportion.

2. Blockchain is one of the most challenging innovations in the field of fintech, because blockchain fundamentally subverts the inherent logic, operation mode and business scope of traditional finance, breaks through the limitations of numerous conventional rules and regulations, and steps into a series of new application fields that cannot be involved before
as a disruptive technology, blockchain will reconstruct the key infrastructure of Internet Finance and even the whole financial instry, and its value in the financial field is waiting for people to discover. Specific applications are as follows:
first, the application of banking instry
wallet and payment are the first fields of blockchain technology, but this is also the traditional business scope of banking instry. What changes can blockchain technology bring
cross border payment application case:
circle, founded in October 2013, aims to make bitcoin "simple and easy to operate, similar to Gmail (Google Mail), Skype (Microsoft's Internet phone) and other customer service tools", and quickly obtain a large amount of financing. In mid-2014, it obtained an investment of US $27 million, becoming one of the most well funded companies in the field of digital cryptocurrency
in 2015, Goldman Sachs and IDG Capital Partners led the investment and raised $50 million for circle. In June 2016, circle won US $60 million of investment led by Chinese investors, and announced that it has established an independent company circle China in China and set up a local team to reach strategic cooperation with network and Everbright
circle can provide instant and free fund transfer worldwide by using bitcoin blockchain transaction. Circle hopes to use bitcoin as a free internet payment network, so that the legal tender of each country can flow smoothly around the world without hindrance. By working with overseas companies such as IDG, circle can provide financial services to users of national legal tender
although the regulatory structure of payment systems in various countries is complex, the cooperation between these countries has made progress. In April 2016, circle obtained the first e-money license issued by the financial conct authority (FCA), which aroused widespread concern in the instry. Later, circle announced that it had established a partnership with the Bank of Barclays to enter the UK market. Since then, British consumers can enjoy services such as fast transfer payment and buying and selling bitcoin, just like American consumers
in order to make it easier for users to use, circle cooperates with apple. In IOS 10 system, Apple's IMessage supports users to use circle's bitcoin payment system. Jeremy Allaire, chief executive officer of circle, said:
"if IMessage allows access to payment service, consumers will benefit from it. It is difficult to install an app alone for payment, and the transfer payment behavior between friends has to go through a complicated setting process, but it is much simpler to directly access to IMessage service."
on September 13, 2016, circle announced that users can pay anyone in the world through IMessage
advantages of blockchain in cross-border payment: low cost, real-time transaction and high security
intelligent bill application case:
the bill of complex us blockchain bill project and blockchain technology can be well combined. After adopting the decentralized distributed ledger of blockchain, the existing system storage and transmission structure has been changed, a more secure operation mode has been established, and the problem of forged bills has been solved
the time stamp reflects the whole process of bill from its birth to its demise, which has the characteristics of traceable history, so that this mode has a new continuous endorsement mechanism, and truly reflects the transfer process of bill rights
the domestic Hangzhou complex us blockchain Research Center has also initially developed an open source project of blockchain lending bill exchange based on Ethereum, which integrates the concept of using blockchain technology in many subdivided fields such as finance, catering, enterprise management, express tracking, etc. The open source project of complex us blockchain online lending bill exchange is shown in the figure. The online lending exchange applying blockchain technology can complete 150000 transactions per second without handling charge
the bill business based on blockchain has four advantages:
from the perspective of moral hazard, the phenomenon of "selling more than one ticket" in paper tickets and the phenomenon of asynchronous payment and endorsement in e-bills occur from time to time. However, e to the characteristics of time stamp that can not be tampered with and the whole network is open, there will be no default once the paper tickets or e-tickets are traded
from the perspective of operational risk, as the e-bill system is centralized, once the central server fails, it will have disastrous consequences for the whole market. At the same time, the access of enterprise online banking will transfer the risk to the bank's own network security, and the whole risk chain will be longer and longer. With the help of the distributed high error tolerance and asymmetric encryption algorithm in the blockchain, the risk of human operation will be almost zero
from the perspective of credit risk, with the help of blockchain data, we can collect and evaluate the credit of all participants, and control them in real time
from the perspective of market risk, a large number of asset mismatches in the intermediary market not only lead to their own losses, but also bind the interests of banks. With the programmability of blockchain, it can not only effectively control the balance between the asset side and the liability side of participants, but also promote the authenticity of the reaction of the transaction price of the whole market to the capital demand with the help of the characteristics of data transparency, And then form a more real price index, which is concive to control market risk
bank settlement - Application Case: visa
bank settlement refers to the collection and payment behavior realized through the fund transfer of bank account, that is, the bank accepts the client's entrustment to collect and pay on behalf of the client, transfers the money from the deposit account of the payer to the deposit account of the payee, so as to complete the settlement of creditor's rights and liabilities or the allocation of funds between the clients. In this process, the bank is not only the medium of commodity exchange, but also the intermediary of clearing funds in social and economic activities
unlike domestic banks, which mainly rely on the difference between deposit and loan, half of the profits of multinational banks come from the intermediate settlement business. For them, if they open up new business areas and reasonably rece the settlement cost, it is directly related to their fundamental interests
visa is the largest credit card company in the world. There is no doubt that the rise of digital cryptocurrency will inevitably impact its credit card payment business. However, visa does not always conflict with e-money and blockchain, but takes an open attitude
in October 2015, visa and DocuSign jointly launched a "proof of concept" project, which uses bitcoin blockchain to record and keep car rental data. The project combines DocuSign's digital transaction management (DTM) platform and electronic signature solution with visa's secure payment technology. Consumers can configure rental, insurance and other daily purchase items in the car, such as parking fees and tolls, and users can pay directly with visa card
peripheral applications do not satisfy visa. In the same year, visa cooperated with coinbase to launch the first bitcoin debit card that can be used in the United States. On November 30, at the unbound conference held in London, visa European innovation laboratory showed another "proof of concept" remittance application, through which people can remit money on the bitcoin blockchain
in September 2016, visa launched interbit, an interbank settlement and payment system based on blockchain technology, in cooperation with BTL group, a digital payment start-up company, to assess whether blockchain technology can rece the cost, settlement time and credit risk of interbank international transfer
a series of major actions in the past two years show that visa has begun to realize the value of blockchain technology and is making efforts to make blockchain technology a powerful tool to expand its sphere of influence
advantages of blockchain in bank settlement: security, convenience and intelligence
in addition to using blockchain technology to transform the existing businesses, banks around the world have launched their own cryptocurrency plans to rece their operating costs
the advantage of blockchain in bank digital cryptocurrency: cost rection< Second, securities investment market application
Securities Trading - Application Case: LINQ
securities trading market is an important application field of blockchain. The application of blockchain technology can not only speed up the speed of clearing and settlement, but also rece the number of books that financial institutions need to maintain to ensure more accurate audit tracking
NASDAQ is the first person to eat crabs in the stock market. In the second half of 2015, it launched the trading platform LINQ, which is based on bitcoin trading technology and is used for trading companies in the primary market. As shown in the figure below, LINQ has the ability to record the equity transactions of enterprises before IPO, track the equity transactions of enterprises, information of shareholders and investors, etc., which is of great value to the asset analysis of private equity market
Fredrik Voss, head of NASDAQ blockchain strategy, is convinced that the high efficiency provided by blockchain technology will greatly enhance LINQ's advantages as a private equity trading platform. So far, no technology can really keep people away from paper work, and blockchain technology will make it a big step forward. Compared with manual processing, it will greatly rece the possibility of errors
advantages of blockchain in Securities Trading: speed up settlement, simplify accounts, and facilitate follow-up audit
equity crowdfunding - Application Case: ant
all along, capital is a gap in front of creative ideas and entrepreneurship, and it is this gap that spawned the world's first crowdfunding platform KickStarter. The operation mode of KickStarter is a typical business model of the platform. On the one hand, the users of the platform are those who are eager to create and create, on the other hand, those who have part of the funds and are willing to provide financial support for new ideas. The common wish of both sides is that the new ideas can be realized and can be promoted continuously
the crowdfunding platform based on blockchain technology can raise funds by creating its own digital cryptocurrency or digital assets, and distribute its own "digital equity" to early supporters, which is the certificate for investors to obtain shares in support of start-ups
blockchain crowdfunding platform usually consists of three layers:
the bottom layer is blockchain network, which constructs a decentralized distributed platform
the middle layer is the combination of business logic and blockchain to jointly establish account center, equity registration, equity voucher, equity trading, equity management and other functions
the top tier provides services for customers of various crowdfunding platforms
in China, Xiaoyi is the first company to use blockchain technology to register its equity. Although this is an innovation, it is not easy to achieve the legal compliance and docking with the real world in the underlying logic and various details. After in-depth study and analysis of the current legal environment in China, termite has the potential to become a practical blockchain application
termite is a blockchain protocol based on blockchain technology, which registers, issues, manages and trades various equity shares through point-to-point network. At the beginning, it will be

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4. There are two roles and four moles in the cross-border payment solution based on euz. The two main roles are the gateway and customer participating in the euz payment. They are as follows:
the first role is gateway, which can be bank, market maker, liquidity provider, etc. The main function of the gateway is to let the legal assets in reality enter the blockchain payment and settlement network
the second role is customers, which can be all kinds of international trade customers. Customers are the parties involved in the blockchain payment transaction, and jointly participate in the confirmation of transaction information. In the process of transaction, once either party does not confirm the transaction, the transaction cannot be formally effective. Through this common verification, the risk of information opacity is greatly avoided, and the risk of cross-border payment in international trade is reced
the four functional moles in blockchain payment and settlement are the core business logic moles in cross-border payment
the first function mole is network connector. It is a tool to help all kinds of institutions access blockchain payment network as gateway. Network connector is a "plug and play" function mole, which can be integrated with the existing international payment and settlement system, so that banks can process cross-border payment business through blockchain. The mole is connected with the remitting bank and the receiving bank to exchange personal information, expenses, delivery details, payment details, etc. After the system confirms the transaction information of both parties, the mole connects the blockchain payment ledger for settlement processing, and notifies all parties to confirm the transaction
the second function mole is blockchain payment ledger. Banks, market makers, etc. access blockchain payment books as nodes
the third function mole is the market maker client. The market maker submits digital assets to the blockchain payment account book, and the settlement platform can realize the function of market maker through internal exchange settlement or integration into the blockchain payment network through this mole
the fourth function mole is transaction client. Customers can directly operate blockchain payment settlement through the client.

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6. The combination of blockchain and bill can be developed into digital bill. The so-called digital bill is not a new physical bill, nor a pure virtual information flow. It is a brand-new bill presentation form developed by using blockchain technology, combining with the existing bill attributes, regulations and market. Compared with the existing electronic bill, it is completely different in technical architecture. For the specific content of the scheme, I think we can take a look at Yingtang Zhongchuang, which is good at blockchain application development.

7. This is part of the application of blockchain in the financial instry, and the feasibility of the integration of blockchain and bills is great
bill is a kind of valuable voucher, which needs a hidden "third party" role to ensure the safety and reliability of both parties in the transaction. However, with the help of blockchain, there is no need for a third party to supervise and verify the information transmitted by the two parties, nor for a specific physical object to be used as a proof to connect the two parties to obtain trust, thus realizing the "invisible" transmission of value between point-to-point
in the development of bill platform based on blockchain, Yingtang Zhongchuang said that the application of blockchain technology in the development of bill platform has the following functions: to realize the disintermediation of bill value transmission; Effectively prevent the risk of bill market; Change the existing system structure of electronic commercial draft; Improve operation efficiency; Standardize the market order and rece the cost of supervision
the advantages of the blockchain bill platform are as follows: the system construction and data storage do not need a central server, nor do they need a central level application; The integrity, transparency and verifiability of data can be traced and queried for any value exchange; The form of smart contract makes the bill programmable and controllable in the whole life cycle.

8. Ordinary electronic bills are stored in different platform media, which can not be well managed, and there is a problem of authenticity verification, so it is impossible to obtain the authenticity from the ticket. Ant chain electronic bills can be connected to a large number of billing units, including hospitals, schools, traffic police, etc., in one chain. They can be stamped in the whole process of generation, transmission, storage and use. The whole process can be traced and tampered with, and the authenticity and uniqueness are guaranteed. Thank you for accepting my answer