政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/125934

政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/125934

English | 正體中文 | 简体中文 | Post-Print筆數 : 27 | 全文笔数/总笔数 : 109960/140895 (78%)
造访人次 : 46380078 在线人数 : 973

RC Version 6.0 © Powered By DSPACE, MIT. Enhanced by NTU Library IR team.

搜寻范围

查询小技巧：

您可在西文检索词汇前后加上"双引号"，以获取较精准的检索结果

若欲以作者姓名搜寻，建议至进阶搜寻限定作者字段，可获得较完整数据

进阶搜寻

主页 ‧ 登入 ‧ 上传 ‧ 说明 ‧ 关于政大典藏 ‧ 管理

到手机版

政大機構典藏 > 資訊學院 > 資訊科學系碩士在職專班 > 學位論文 > Item 140.119/125934

请使用永久网址来引用或连结此文件: https://nccur.lib.nccu.edu.tw/handle/140.119/125934

题名:	可信賴的去中心化P2P匿名借貸平台設計與實作 Design and implementation of trusted anonymous decentralized P2P Lending platform
作者:	周星同 Chou, Hsing-Tung
贡献者:	蔡子傑 Tsai, Tzu-Chieh 周星同 Chou, Hsing-Tung
关键词:	金融科技 P2P借貸 P2P網路密碼學 Kademlia Fintech P2P Lending P2P Network Cryptography Kademlia
日期:	2019
上传时间:	2019-09-05 17:32:45 (UTC+8)
摘要:	金融科技是近幾年金融業與相關新創公司的熱門議題。研究如何利用科技與金融服務來創新，一直是他們想要突破的挑戰。而去中心化P2P 網路平台可以降低伺服器維護成本，密碼學技術可提供安全性。因此我們打算整合前述的技術開發新的金融服務，以P2P 借貸為目標，來進行創新。在本論文中，我們提出以P2P DHT 網路技術Kademlia 演算法整合密碼學，設計與實作出一個去中心化、高安全性又能有效匿名的P2P 借貸平台，而必要時銀行是參與平台的服務角色之一。平台讓借貸雙方之間以匿名方式互動，而銀行主要協助用戶匯款金流，並同時保密借貸資訊，以備不時之需。另外為了避免現行中心化P2P 借貸平台機制之集中風險，我們透過P2P 網路讓用戶以去中心化方式直接辦理借貸，並於借貸匯款完成後將借貸合約上傳至平台，事後隨時能查詢合約。至於合約的安全性問題，則透過階層性地加解密與簽章方式來達到機密性、完整性、可用性、驗證性及不可否認性。透過實作與模擬証實我們的平台具備簡易、快速、安全且無法否認的特性。而任何銀行皆可作為平台的金流節點，使平台實現出借貸雙方交易資訊匿名制及借還款金流實名制。相信我們的論文是值得作為金融科技未來的研究參考。 In recent years, FinTech is a hot topic in the financial industry and related startups. Researching how to use technology to innovate financial services has always been the challenge they want to break through. Decentralized P2P network platforms can reduce server maintenance costs, and cryptography can provide security. Therefore, we intend to integrate the aforementioned technologies to innovate in P2P lending as the goal. In this thesis, we propose to integrate the P2P DHT network technology Kademlia algorithm with cryptography to design and implement a decentralized, highly secure and effectively anonymous P2P lending platform. If necessary, the bank is one of the service roles who are participating in the platform. The platform allows anonymous interaction between the borrower and the lender. Banks mainly assist users in remittance cash flow, while keeping lending information secret in case of need. In order to avoid the concentration risk of the current centralized P2P lending platform mechanism, we allow users to directly borrow and lend through the P2P network, and upload the lending contract to the platform after the loan remittance is completed. The contract can be inquired at any time afterwards. As for the security of the contract, Confidentiality, Integrity, Availability, Authenticity and Non-repudiation are achieved through hierarchically encrypting, decrypting and digital signature. Through implementation and simulation, we have proved that our platform is simple, fast, safe and undeniable. Any bank can be the cash flow node in the platform so that the platform can be realized with the anonymous mechanism for lending information and the real name mechanism for lending remittance cash flow of the borrower and the lender. We believe that our platform design is worthy of reference as a future research for FinTech.
參考文獻:	[1] 推動普惠金融需要結合金融科技, Available: http://www.tier.org.tw/comment/tiermon201807.aspx [2] Patrick Schueffel. Taming the Beast: A Scientific Definition of Fintech. Journal of Innovation Management, 4(4): 32-54, 2016. [3] [圖解]六張圖看懂金融科技模式：概念、現況與案例, Available: https://www.bnext.com.tw/article/38097/BN-2015-12-01-130920-178 [4] 台灣 P2P 業者屬資訊中介避開中國倒閉潮三項元凶, Available: https://udn.com/news/story/7239/3586060 [5] 傳數千名 P2P 受害者計畫北京遊行受阻, Available: http://news.dwnews.com/china/news/2018-08-08/60076298.html [6] LendingClub, Available: https://www.lendingclub.com/ [7] eBay, Available: https://www.ebay.com/ [8] Uber Eats, Available: https://www.ubereats.com [9] Peer-to-Peer Lending(P2P), Available: https://www.investopedia.com/terms/p/peer-to-peer-lending.asp [10] What’s a Peer-to-Peer(P2P) Network, Available: https://www.computerworld.com/article/2588287/networking-peer-to-peer-network.html [11] Baruch Awerbuch and Christian Scheideler. Towards a Scalable and Robust DHT. In SPAA, 2006, p. 318–327. [12] David Andersen, Hari Balakrishnan, Frans Kaashoek, Robert Morris. Resilient Overlay Networks. In Proc. 18th ACM SOSP, Banff, Canada, October 2001. [13] Petar Maymounkov and David Mazieres. Kademlia: A Peer-to-peer Information Systems Based on the XOR Metric. In Proceedings of the IPTPS 2002, Boston, March 2002. [14] An Overview of Cryptography, Available: https://www.garykessler.net/library/crypto.html [15] NII 資安政策, Available: https://www.nii.org.tw/Home/SecurityPolicy [16] Satoshi Nakamoto. Bitcoin: A peer-to-peer electronic cash system, 2008. [17] Blockchain Explained, Available: https://www.investopedia.com/terms/b/blockchain.asp [18] Introduction to Blockchain Peer-to-Peer(P2P) Lending, Available: https://icodog.io/news/introduction-to-blockchain-p2p-lending/ [19] Peer to Peer Lending Blockchain Platform, Available: https://www.leewayhertz.com/blockchain-p2p-lending-platform/ [20] Smart Contracts, Available: https://www.investopedia.com/terms/s/smart-contracts.asp [21] Python3 implementation of the Kademlia DHT data store, Available: https://github.com/dakk/kad.py
描述:	碩士國立政治大學資訊科學系碩士在職專班 101971023
資料來源:	http://thesis.lib.nccu.edu.tw/record/#G0101971023
数据类型:	thesis
DOI:	10.6814/NCCU201900747
显示于类别:	[資訊科學系碩士在職專班] 學位論文

文件中的档案:

档案	大小	格式	浏览次数
102301.pdf	2592Kb	Adobe PDF2	72	检视/开启

在政大典藏中所有的数据项都受到原著作权保护.

社群 sharing

著作權政策宣告 Copyright Announcement

1.本網站之數位內容為國立政治大學所收錄之機構典藏，無償提供學術研究與公眾教育等公益性使用，惟仍請適度，合理使用本網站之內容，以尊重著作權人之權益。商業上之利用，則請先取得著作權人之授權。
The digital content of this website is part of National Chengchi University Institutional Repository. It provides free access to academic research and public education for non-commercial use. Please utilize it in a proper and reasonable manner and respect the rights of copyright owners. For commercial use, please obtain authorization from the copyright owner in advance.

2.本網站之製作，已盡力防止侵害著作權人之權益，如仍發現本網站之數位內容有侵害著作權人權益情事者，請權利人通知本網站維護人員(nccur@nccu.edu.tw)，維護人員將立即採取移除該數位著作等補救措施。
NCCU Institutional Repository is made to protect the interests of copyright owners. If you believe that any material on the website infringes copyright, please contact our staff(nccur@nccu.edu.tw). We will remove the work from the repository and investigate your claim.

DSpace Software Copyright © 2002-2004 MIT & Hewlett-Packard / Enhanced by NTU Library IR team Copyright © - 回馈