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    題名: 應用區塊鏈之金融KYC平台
    The banking KYC platform based on blockchain technology
    作者: 楊金祥
    Yang, King-Hsiang
    貢獻者: 左瑞麟
    Tso, Raylin
    楊金祥
    Yang, King-Hsiang
    關鍵詞: 區塊鏈
    KYC
    智慧合約
    Dapp
    Blockchain
    KYC
    Smart Contract
    Dapp
    日期: 2017
    上傳時間: 2018-02-05 16:51:42 (UTC+8)
    摘要: KYC(Know Your Customer)是銀行非常重要的一項程序,除了法規上的遵循外,也同時要滿足控制客戶投資風險和防制洗錢的目的,但各銀行重複花費大量的金錢和時間成本在相同客戶KYC資料的收集和驗證上。
    區塊鏈是一個採用密碼學及共識演算技術來確保交易資料無法被竄改的分散式帳本系統,被稱為無須中間人的信任機器。
    本研究透過區塊鏈做為銀行之信任基礎,在不改變既有的KYC流程下,提出一套”金融KYC平台”架構,讓不同銀行在提供金融服務時,每個客戶的KYC資料收集和驗證的程序只要進行一次。
    此平台不使用集中式資料庫,KYC原始資料存放在客戶資料註冊銀行本地資料庫中,銀行透過區塊鏈驗證KYC資料之正確及完整性,並透過區塊鏈上紀錄的相關資訊,進行銀行間的資料的授權及同步作業。本研究實際建置展示了七個金融KYC平台的使用情境,驗證原先的各項程序假設,都能在兼顧安全和效率下完成。
    KYC (Know Your Customer) is a very important procedure for banks not only for regulatory compliance, but also to meet the controls of customer investment risk and the purpose of money laundering control. It takes a lot of money and time in the process of verifying the same customer’s information for each bank.
    Blockchain is a decentralized ledger platform that uses cryptography and consensus algorithm to ensure that transactional data can not be tampered with, and is known as a “Trust Machine”.
    Without changing current KYC procedures, this study build a "Banking KYC Platform" based on blockchain technology. And let the KYC validation be only conducted once for each customer between banks.
    This platform does not use centralized database. The original KYC data is stored in bank's local database. Banks verifiy customer KYC data’s correctness and completeness through blockchain and synchronize them based on the information recorded in blockchain. This study shows the result of verifying seven KYC use cases with this Banking KYC Platform. It is a complete demonstration for reaching the goal of solving security, efficiency and cost reduction problems.
    參考文獻: [1] Marcin Andrychowicz, Stefan Dziembowski, Daniel Malinowski & Łukasz Mazurek.(2014).Secure Multiparty Computations on Bitcoin. University of Warsaw, Poland.
    [2] Andreas M. Antonopoulos.(2014). Mastering Bitcoin – Unlocking Digital Crypto-Currencies.US-CA: O’REILLY
    [3] Djuri Baars.(2016).Towards Self-Sovereign Identity using Blockchain Technology. Retrieved from the World Wide Web: http://essay.utwente.nl/71274/1/Baars_MA_BMS.pdf
    [4] Thomas Bertani.(2016, Apr 28).Proof of Identity on Ethereum(or the “KYC Problem”) [News Relaese]. Retrieved from the World Wide Web: https://blog.oraclize.it/proof-of-identity-on-ethereum-or-the-kyc-problem-f4a9ee40af21
    [5] Thomas Bertani.(2016, Jul 25). Identity on the blockchain [News Release]. Retrieved from the World Wide Web: https://blog.oraclize.it/identity-on-the-blockchain-chapter-2-10843b220a1b
    [6] Matthew Britton.(2016, Sep 29). Could blockchain solve the KYC/AML challenge? [blog]. Retrieved from the World Wide Web: https://www.bcsconsulting.com/blog/new-technology-can-enable-human-bank/
    [7] Marco Iansiti ,Karim R. Lakhani.(2017).The Truth About Blockchain. Harvard Business Review.
    [8] Julien Laurent.(2014).SWIFT Compliance Services – KYC Registry. SWIFT
    [9] Parra-Moyano, José and Ross, Omri. (August 4, 2017). KYC Optimization Using Distributed Ledger Technology. Retrieved from the World Wide Web: https://ssrn.com/abstract=2897788, http://dx.doi.org/10.2139/ssrn.2897788
    [10] Ganesh Raghavan Padmanabhan, Anusha Sivaramakrishnan. (2016).Reimaging KYC Using Blockchain Technology – White Paper. India Bombay:TATA Consultancy Service.Retrived from the World Wide Web: https://www.tcs.com/reimagining-kyc-using-blockchain-technology
    [11] Prabath Siriwardena.(2016, Jun 10). A Deeper Look Into Bitcoin Internals [News Release]. Retrieved from the World Wide Web: https://medium.facilelogin.com/pay-with-bitcoin-to-play-with-a-fidget-spinner-86b7b43414c0
    [12] Rameez878.(2016).Knowing your customer (KYC) made easier with blockchain for banks [blog]. Retrieved from the World Wide Web: https://steemit.com/steemit/@rameez878/knowing-your-customer-kyc-made-easier-with-blockchain-for-banks
    [13] Viktor Tron, Hudson Jameson.(2016).Ethereum Homestead Documentation. Printed by Ethereum Community.Retrieved from the World Wide Web: http://www.ethdocs.org/en/latest/
    [14] 周平、杜宇、李斌等,「中國區塊鏈技術和應用發展白皮書」,中國區塊鏈技術和產業發展論壇,北京,民國105年
    [15] 金融監督管理委員會,「金融科技發展策略白皮書」,台北,民國105年
    [16] 林思惟,「信用報告機構與金融機構信用風險管理-於WCCRC分享聯徵中心之經驗」,金融聯合徵信第二十一期,台北,民國103年
    [17] 胡富雄,「金融業跨業合作之大數據應用與商業智慧創新」,金融聯合徵信中心,台北,民國104年
    描述: 碩士
    國立政治大學
    資訊科學系碩士在職專班
    104971005
    資料來源: http://thesis.lib.nccu.edu.tw/record/#G0104971005
    資料類型: thesis
    顯示於類別:[資訊科學系碩士在職專班] 學位論文

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