潍坊搞区块链的群聊有哪些,潍坊区块链俱乐部

近年来，随着区块链技术的不断发展，潍坊也有不少群聊组织以及俱乐部，致力于推动区块链技术的发展，为潍坊的创新发展注入新的动力。今天，我们就来聊聊潍坊的区块链群聊有哪些，以及潍坊区块链俱乐部的拓展。

潍坊区块链群聊

潍坊区块链群聊是潍坊区块链社区的一个重要组成部分，它是潍坊区块链技术发展的重要推动力量。潍坊区块链群聊主要是为潍坊的区块链技术开发者提供一个交流的平台，让大家可以就区块链技术的最新动态和发展趋势进行交流，分享自己的经验和想法，促进区块链技术的发展。

潍坊区块链俱乐部

潍坊区块链俱乐部是一个专注于推进区块链技术发展的组织，由潍坊区块链社区的志愿者组成。潍坊区块链俱乐部的宗旨是通过开展各种活动，搭建一个区块链技术发展的平台，为潍坊的区块链技术开发者提供技术支持、专业培训和技术交流等服务，助力潍坊的创新发展。

潍坊区块链技术开发

潍坊是一个充满活力的城市，也是一个有着良好发展前景的区块链技术发展中心。在潍坊，可以看到许多关于区块链技术开发的项目和公司，他们正在努力开发出新的区块链技术，为潍坊的创新发展提供技术支持。潍坊的区块链技术开发者们也正在努力推动区块链技术的发展，让潍坊的创新发展更加迅速。

㈠ How to find a blockchain group with a WeChat public account

1. Reply "Group" in the background of the public account to recommend the assistant WeChat to the currency circle group.
2. Moments will frequently update a large amount of project group information. If you want to find a blockchain group, you can directly contact the assistant to find it. A WeChat public account is an application account applied by a developer or merchant on the WeChat public platform. This account is interoperable with the QQ account. The platform enables all-round communication and interaction with specific groups of text, pictures, voices, and videos, forming a kind of The mainstream online and offline WeChat interactive marketing method.

㈡ Where can I find ways to make money with blockchain technology?

There are four ways to make money with blockchain technology:

1. Hardware and foundation Facilities typically include mining machine production and distribution chains, where you can make money by buying mining machines and mining to earn coins.

2. Blockchain underlying platforms and general technologies, such as public chains such as Ethereum, privacy protocol Nucypher, etc., where you can make money by investing in its tokens, building on-chain applications, and providing services to users. .

3. Various vertical applications, such as blockchain-based supply chain traceability and finance, copyright confirmation and transactions, etc. You can use these applications or invest in their token swaps to make money.

4. Service facilities, such as digital asset exchanges and wallets, media products, etc. You can make money by setting up an exchange yourself.

(2) Extended reading of Weifang’s blockchain group:

Blockchain types explained

1. Public blockchain

Public BlockChains means: any individual or group in the world can send transactions, and the transactions can be effectively confirmed by the blockchain, and anyone can participate in its consensus process.

Public blockchain is the earliest blockchain and the most widely used blockchain. The virtual digital currencies of all major bitcoins series are based on public blockchains. There is only one such blockchain in the world. The blockchain corresponding to the currency.

2. Consortium (Industry) Blockchain

Industry Blockchain (ConsortiumBlockChains): Multiple pre-selected nodes are designated as bookkeepers within a certain group. Each block The generation is jointly decided by all pre-selected nodes (the pre-selected nodes participate in the consensus process), and other access nodes can participate in transactions.

3. Private Blockchain

Private Blockchain (PrivateBlockChains): Only uses the general ledger technology of the blockchain for accounting. It can be a company or an individual. With exclusive write access to the blockchain, this chain is not much different from other distributed storage solutions.

㈢ What are the reliable and recommended WeChat public accounts and WeChat groups in the blockchain field?

Contracts, transactions and their records constitute our socio-economic, legal and political systems An important part of. they protected ourAssets define the boundaries of an organization. They form and authenticate our personal identities and various historical events. They manage a range of activities between countries, organizations, communities and individuals. They direct all administrative and social activities. But these critical tools, and the bureaucracy that governs them, have not kept pace with the digital transformation of the economy. It's like an F1 car suddenly encountering a big jam. In a digital world, our approach to regulation and administrative control must change.

Blockchain has the potential to solve this problem. As the core supporting technology of Bitcoin and other virtual currencies, blockchain is an open, distributed ledger that can effectively record transaction records between two parties, and is verifiable and permanently saved. The ledger itself can be programmed to automatically trigger transaction completion.

Five basic principles of blockchain technology

1. Distributed database

Blockchain Every party on the network has access to all data and its complete history. No one party controls the data or information. Each party can directly verify the records of all parties to the transaction, without the need for an intermediary.

2. Point-to-point communication

Each independent point can communicate directly without going through a central node. Each node can store information and pass all information to all other nodes.

3. Limited transparency

Users who have access to the system can see each transaction and its value. Each node or user on the blockchain has a unique address consisting of letters and numbers, which can be used as the user's identity. Users can choose to remain anonymous or disclose their identity to others. Transactions occur between addresses on the blockchain.

4. Records cannot be changed

Once the transaction results are entered into the database, the account information will be updated accordingly, and the records cannot be changed, because this information is mutually exclusive with all previous transaction records. Association (this is where the term "chain" comes from). Various computational algorithms and methods are used to ensure that the records in the database are permanent, ordered in chronological order, and visible to everyone else on the network.

5. Computational logic

The digital nature of the ledger means that blockchain transactions can be linked to computational logic and can actually be implemented through programming. All users can set algorithms and rules so that transactions can be automatically triggered between nodes.


With blockchain technology, we can imagine a new world in which contracts are stored in a transparent and shared database in the form of digital programming and will not be deleted or deleted. To tamper with, to be revised. In such a world, every protocol, every flowEvery transaction and every payment will have a digital record and a digital signature that can be identified, verified, stored and shared. Intermediaries such as lawyers, brokers and bankers are no longer necessary. Individuals, organizations, machines and algorithms are free to interact and transact with each other frictionlessly. This is the endless potential brought by blockchain.

In fact, almost everyone has heard that blockchain will have a revolutionary impact on businesses and will redefine businesses and the economy. While we remain enthusiastic about the potential of blockchain, we are also concerned that it may be overblown. It’s not just security issues (like the collapse of a Bitcoin exchange in 2014 and recent hacks) that worry us. The experience of studying technological innovation tells us that if there is a blockchain revolution in the future, there will be many obstacles - technical, governance, organizational and social obstacles. Reckless application of blockchain technological innovations without a true and thorough understanding of blockchain is likely to lead to a big mistake.

We believe it will take many years before blockchain can truly transform businesses and governments. Because blockchain is not a "disruptive" technology, disruptive technology can impact traditional business models with low-cost solutions and can quickly replace traditional enterprises. We believe that blockchain is a fundamental technology: one with the potential to create new foundations for our economic and social systems. But its impact is widespread, and it will take decades for blockchain to penetrate economic and social infrastructure. The process of blockchain popularization will be gradual, and this process and its strategic significance will be the focus of this article.

Patterns of Technology Adoption

Before discussing blockchain strategy and investment, let’s recall what we know about technology adoption below process, especially the adoption process of other underlying technologies. One of the most relevant examples is the adoption of distributed computer network technology, namely the TCP/IP protocol, which laid the foundation for the development of the Internet.

TCP/IP first appeared in 1972 and gained widespread attention in a single use case: it emerged as the basis for sending emails between researchers on the ARPAnet, which was developed by the U.S. Department of Defense The predecessor of the commercial Internet. Before TCP/IP, the communication system architecture was based on "circuit switching". The connection between two parties or two machines had to be preset and maintained through a switch. To ensure that any two nodes can communicate, telecom service providers and equipment manufacturers have invested billions of dollars in dedicated lines.

TCP/IP completely changes the above model. The new protocol digitizes information and breaks it into many small packets, each of which includes address information. Once these packets are released into the network, they can take any route to reach the recipient. Data sending and receiving points in the network can decompose the data packets andAnd the data packets can be reassembled and the data can be interpreted. This eliminates the need for dedicated lines or large-scale infrastructure. TCP/IP creates an open, shared public network with no central agency or body responsible for maintenance and updates.

Traditional telecommunications companies and related companies are skeptical of TCP/IP. Few imagine that data, information, audio and video can be established under a new system, and few imagine that related systems will be very secure and develop rapidly. However, from the late 1980s to the 1990s, more and more companies, such as Sun, NeXT, HP, and Silicon Graphics, used TCP/IP to develop internal local area networks within the company. In doing so, they developed technologies that transcended email and increasingly replaced traditional LAN technologies and standards. As enterprises adopt these newly developed technologies and tools, their production efficiency has been greatly improved.

In the mid-1990s, the emergence of the World Wide Web made TCP/IP widely used. Newly created high-tech companies began to provide the "tools"—the hardware, software, and related services necessary to connect to and exchange information with today's public networks. Netscape commercialized browsers, web servers, and other tools and components. Sun Corporation promoted the development of application programming language-Java. With the exponential growth of information on the Internet, the emergence of Infoseek, Excite, AltaVista, and Yahoo are all guiding users to use TCP/IP technology.

Once this basic infrastructure is widely accepted, a new generation of businesses can seize the opportunity brought by low-cost Internet access to create more Internet services, which in turn helps to There are alternative business models. CNET brings news online. Amazon sells more books than any brick-and-mortar bookstore. Priceline and Expedia make buying air tickets easier and the entire buying process more transparent. These new entrants are expanding their business at very low costs, causing traditional businesses such as newspapers and physical retail stores to feel unprecedented pressure.

Relying on the widespread presence of the Internet, companies have created novel and revolutionary applications that are enough to fundamentally change traditional business models and create value. These enterprises are built on new P2P architectures and generate value by coordinating users of distributed networks. Consider how eBay transformed online retailing with its auction model, Napster transformed the music industry, Skype transformed telecommunications, and Google transformed web search by leveraging the links users form to provide more precise search results.

Many companies are already using blockchain to track goods along the supply chain. Ultimately, it took more than 30 years for TCP/IP to become widely accepted—used alone, applied locally, replaced, and promotedTransformed—and reshaped our economy. Today, more than half of the world's most valuable listed companies have Internet-driven, platform-based business models. The foundations of our economy have fundamentally changed. Physical assets and proprietary intellectual property are no longer guarantees of competitive advantage; companies that lead economic development can play a key role, especially those who organize, influence, and coordinate extensive networks of communities, users, and organizations.

New System

Blockchain - the P2P network on top of the Internet - was launched as the core foundation of Bitcoin in October 2008 Entering people's field of vision, Bitcoin is a virtual currency system that does not issue currency, transfer ownership and confirm transactions through a central authority. Bitcoin is the first real-world application of blockchain technology.

The similarities between blockchain and TCP/IP are obvious. Just like email allows people to exchange information, Bitcoin allows people to conduct transactions. The development and maintenance of blockchain is open, distributed, and shared—just like TCP/IP. A group of volunteers around the world maintain its core software. Like email, Bitcoin received enthusiastic support from the beginning, but only from a relatively small number of people.

TCP/IP has significantly reduced interconnection costs, thus creating new value for economic development. Likewise, blockchain can significantly reduce transaction costs. Blockchain has the potential to become the system of record for all transactions. If this becomes a reality and new businesses based on blockchain technology will influence and control emerging industries, the economy will once again undergo fundamental changes.

First, let’s take a look at how businesses operate today. Recording transactions is a core task that every business must do. These records track past activities and results and provide guidance for the future. They can provide insight into not only how a business works internally, but also how the business is connected to the outside world. Every business or organization will have its own records, and these records are private and confidential. Many companies do not have a general ledger record of all company activities; instead, all records are scattered within various branches or departments within the company. The problem is that reconciling transactions between individuals and private ledgers takes a lot of time and is also error-prone.

For example, a typical stock trade can be completed in microseconds without human intervention. However, settlement — transferring ownership of the shares — can take up to a week. This is mainly because no party has access to other people’s ledgers, and there is no way to automatically prove the owner of an asset, nor to automatically transfer assets. Instead, many intermediaries are needed to ensure the existence of the asset and to record the transfer of ownership of the asset.

In a blockchain system, ledgers can be replicated in many identical databases. Each party will have a set of data, and stakeholders will also review the records.Perform maintenance. When one party's data changes, all other copies of the ledger are updated at the same time. Whenever a transaction occurs, the asset type and value of the transaction are recorded in all ledgers. No third-party intermediary is required to prove or transfer ownership. If a stock transaction occurs on a blockchain system, its settlement will be completed within seconds, is extremely secure, and can withstand verification. (The vulnerability in the Bitcoin exchange hack was not in the blockchain itself, but in the separate systems that used the blockchain to connect the parties.)

A framework for blockchain to gain widespread acceptance

If Bitcoin is like early email, does it still take decades for blockchain to fully realize its potential? In our opinion, the answer is yes. We can’t predict exactly how many years it will take for change to occur, but we can guess what applications will emerge first and how widespread blockchain acceptance will eventually become a reality.

How basic technology gains wide acceptance

The popularization of basic technology usually has four stages. Each stage depends on the innovativeness of the application and the complexity of the coordination effort. Less innovative and less complex apps will be accepted first. More innovative and complex applications will take decades to become widely accepted, but they can have a revolutionary impact on the economy. TCP/IP technology, introduced by ARPAnet in 1972, has reached a period of transformation, but blockchain applications are still in the early stages of development.

In our analysis, history shows that there are two dimensions that influence the development of underlying technologies and their application scenarios. The first is its innovativeness—how new an app is to the world. The more innovative it is, the more effort it will take for users to understand its functionality. The second dimension is complexity, represented by the level of ecosystem coordination—how many agents are required to use the technology and how diverse the agents are to co-create value. For example, a social network is useless with only one user; it is valuable only if all your relationships are on the social network. Other users of the application must work together to create value for participants. For many blockchain applications, the principle is the same. And as these applications increase in scale and impact, their adoption will bring about major institutional changes.

We developed a framework to analyze the development of innovation according to the two dimensions mentioned above, integrating it into four quadrants. Each quadrant represents a stage of technology development. Understanding which quadrant blockchain innovation falls in can help company executives understand the challenges faced by blockchain, as well as the level of coordination and consensus required to adopt blockchain technology, as well as the necessary laws and regulations. efforts. It also illustrates what processes and infrastructure are needed to drive widespread adoption of an innovation. Managers can use it to assess the status of blockchain development in any industry, evaluate the problems existing in the company's strategic investment in blockchain.

Independent applications

In the first quadrant are applications that are less innovative and less difficult to coordinate and can provide more Well, a lower cost, more professional solution. Email is a low-cost communication method that replaces telephone calls, faxes, and traditional letter-writing methods. It is also an independent application model of TCP/IP technology (even though its value increases with the increase in the number of users). Bitcoin is also in this quadrant. Even in its infancy, Bitcoin is only an alternative payment method for a small number of people. (You can think of it as a sophisticated email that transmits not just information, but actual value.) At the end of 2016, the total market value of Bitcoin was expected to reach $92 billion. The overall global payment market size has reached 411 trillion US dollars. The scale of Bitcoin is still very small. However, Bitcoin is developing rapidly and is becoming more and more important in instant payment, foreign exchange and asset transactions. In these areas, the current financial system has limitations. sex.

Partial Application

Innovations in the second quadrant are relatively novel but only require a limited number of users to create value. , so the promotion and popularization of this type of technology is relatively easy. If blockchain follows the development path of network technology, we can expect blockchain innovation to develop local private networks through independent applications, so that multiple organizations can be connected through a distributed ledger.

Many of the initial private blockchain projects basically appeared in the financial field, and there were relatively few companies within the network, so there was not much coordination cost. Nasdaq is partnering with Chain.com, a blockchain infrastructure provider, to provide related technology for processing and confirming financial transactions. Bank of America, JPMorgan Group, the New York Stock Exchange, Fidelity Investments, and Standard Chartered Bank are testing blockchain technology in many areas such as trade finance, foreign exchange, cross-border settlement, securities settlement, etc. in order to replace paper-based manual transaction processing processes. The Bank of Canada is testing a digital currency called CAD Coin for interbank transfer services. We expect private blockchains to continue to evolve and provide specific service functions for various industries.

Alternatives

The third quadrant contains applications that are relatively less innovative but require a lot of coordination because they Involves widespread public use. The purpose of these innovations is to replace traditional business models, so these applications will face many obstacles; not only do such innovations require more coordination, but the processes they are replacing are also very mature and deeply integrated with current enterprises and systems. Examples include cryptocurrencies - a new type of money that originated from the Bitcoin payment technology. The key difference is that cryptocurrencies require all parties to a currency transaction to accept the technology, which is a challenge to long-standingThis poses challenges to the government and mechanisms under the unified regulatory system. Consumers will also have to change their behavior and understand how to use cryptocurrencies to realize their potential.

A recent MIT experiment highlights the challenges facing digital currency systems. In 2014, the MIT Bitcoin Club provided $100 in Bitcoin to 4,494 MIT undergraduates. Interestingly, 30% of students did not even register to receive this free money, and 20% of students who registered to receive it converted their Bitcoins into cash within a few weeks. Even tech-obsessed students have trouble understanding how and where to use Bitcoin.

One of the boldest alternative blockchain applications is Stellar, a non-profit project that aims to provide affordable financial services to those who have never enjoyed financial services, including banks. Business, micro payment, remittance. Stellar has its own virtual currency, lumens, and also allows users to save other assets in its system, including other currencies, airtime, and digital credits. Stellar initially focused on Africa, especially Nigeria, Africa’s largest economy. There Stellar has gained widespread adoption among its target user groups and at very low cost. But the future will not be smooth sailing because there are many difficulties in industrial chain coordination. While grassroots adoption is proof of Stellar’s ​​vitality, to become a banking standard it will also need to influence government policy and convince central banks and large corporations to use it. This can take years of hard work.

Change

In the last quadrant are the most innovative applications that, if successful, will change the economic, social and political systems the essence of. This will involve the coordination of many entities, and it will also require unanimous support from large institutions in terms of standards and processes. The widespread adoption of such innovations will require significant changes in social, legal and political institutions.

“Smart contracts” are currently the most revolutionary blockchain application. Payments and transfers of currency or other assets are automatically completed when pre-agreed conditions are met. For example, as long as the goods are delivered, the smart contract will automatically pay the supplier. A company can indicate on the blockchain that a certain type of shipment has been delivered—or that a product has a GPS location that automatically updates its location, which in turn triggers a payment. We are seeing early pilot projects of this kind of self-enforcing contracts in corporate finance, banking, and digital equity management.

The implications of this are exciting. The company will be built on contracts, from registration to buyer-supplier relationships to employee relationships. If contracts were self-executing, what would happen to traditional corporate structures, business processes, and intermediaries like lawyers and accountants? What will happen to managers? Their roles will fundamentally change. Before we get too excited, we must rememberWe are still decades away from the widespread application of smart contracts. This would not be possible without the support of big business. There is a lot of coordination and explanation required regarding the design, verification, implementation and execution of smart contracts. We believe this will take a long time. And the technical problems, especially the security issues, are also very daunting.

How to guide blockchain investments

How should company executives consider adopting blockchain technology within their enterprises? Our framework helps businesses identify the right opportunities.

For many enterprises, the easiest thing is the independent application model, which minimizes risks because this model is the least innovative and rarely involves third-party coordination issues. One strategy is to use Bitcoin as a payment mechanism. The Bitcoin infrastructure and market are already very mature, and the adoption of virtual currency will also require many functional departments to strengthen their blockchain technology application capabilities, including information technology, finance, accounting, sales and marketing, etc. Another low-risk approach is to use blockchain internally for database applications, such as managing physical and digital assets, recording internal transactions, and verifying identities. This is particularly useful for businesses that want to collaborate between multiple internal databases. Testing stand-alone applications will help companies develop the skills to meet the requirements of more advanced application models in the future. And it is precisely because of the emergence of cloud technology blockchain services from startups and large platforms such as Amazon and Microsoft that testing is becoming increasingly easier.

Localized applications are the natural choice for enterprises in the future. We have also seen that many companies are now investing in private chain networks, and many projects have only a very short-term impact. For example, financial institutions have found that the private chain networks they develop have a limited number of trustworthy counterparties, which can greatly reduce transaction costs.

Enterprises can also use localized applications to solve specific problems in cross-border transactions. For example, many companies are using blockchain to track goods in complex supply chains. This is already used in the diamond industry, where gemstones can be tracked from mine to consumer. This technology already exists.

Developing alternative applications requires careful planning because current solutions are difficult to replace. One approach is to focus on alternative models that do not require end users to change their behavior, proposing alternatives to original expensive and unattractive solutions. At the same time, alternatives must have the same functionality as traditional solutions and be easy for the ecosystem to accept and adopt. The gift card developed by First Data based on blockchain technology is an example of a well-thought-out alternative product. Retail companies that provide gift cards to consumers can use blockchain to track the flow of currency within accounts without relying on external payment processors, which can significantly reduce the cost of each transaction and improve security. These new gift cards even allow balance and transaction privileges to be transferred between merchants.

Blockchain can significantly reduce transaction costs and reshape the economic development model.

Disruptive applications are still far away. But it still makes sense to assess the likelihood of disruptive applications and step up early investments now. Disruptive applications are very influential when combined with new business models in which value creation and capture are different from the current methods. This business model is difficult to adopt, but it can drive the emergence of future companies.

Consider how law firms will change if they adopt smart contract technology. They need to develop new skills in software and blockchain programming. They may also have to rethink their hourly payment model, considering a transaction fee model or a contract custody fee model, just two of the possible models. Whatever approach is taken, company executives must make sure they understand and test the business model implications before making changes.

Transformative scenarios emerge last, but can bring considerable value. They will have a profound impact in two areas: large-scale public identity systems for entry passport control functions, and algorithm-driven decision-making in preventing money laundering and complex financial transactions involving multiple parties. We don’t expect these applications to be widely adopted and popular for at least a decade or even longer.

Transformative applications will also drive the emergence of new platform companies that will orchestrate and manage new ecosystems. These companies will be the next generation of Google and Facebook. This requires patience to achieve. While it's too early to start thinking about large-scale investments, developing the necessary foundations—tools and standards—is still worthwhile.

Conclusion

In addition to providing a reference for the popularization of blockchain, TCP/IP also laid the foundation for the development of blockchain. foundation. TCP/IP is now ubiquitous, and blockchain applications are built on digital data, communication and computing infrastructure, which reduces the cost of experimentation and allows new use cases to emerge quickly.

Using our framework, company executives can figure out where to start preparing their companies for future blockchain adoption. They need to ensure that company employees understand blockchain, can develop company-specific application projects in the four quadrants we built, and invest in blockchain infrastructure.

However, judging from the development path of TCP/IP, time, obstacles to technology adoption, technology complexity, etc., company executives should carefully consider the risks in blockchain testing projects. . To put it more clearly, it is better to start small. But the scale of investment should depend on the current situation of the company and the industry situation. Financial institutions are doing well in adopting blockchain technology. Manufacturing is not ready yet.

No matter what, blockchain is likely to impact your business, the biggest issue is time.

㈣ Time passesMigration, what is the core of the blockchain economy

Since the birth of Bitcoin, more than 1,600 virtual currencies have appeared in the world, surrounding the generation of virtual currencies. , storage, transactions, etc. have formed a huge industrial chain ecology. But overall, the industry is still in its infancy and is still far from the real value application area.

The core of the blockchain economy lies in the reconstruction of business logic and organizational form, so it is necessary to obtain application examples in multiple industries to demonstrate its value. This article will explore the business models of blockchain applications in various industries from the perspective of combining blockchain with industry needs.

First of all, the core of blockchain is to solve the problem of credit:

Credit is the foundation of all commercial activities and finance. The United States has implemented trusted identification since 2011, while China has implemented a real-name system to achieve supervised information dissemination. The significance of blockchain is that it has established decentralized trust from a technical level for the first time and realized a completely distributed credit system.

Secondly, blockchain solves the problem of value exchange:

Traditional networks can realize point-to-point transmission of information, but cannot realize point-to-point transmission of value. Because information is allowed to be copied, and value must be authentic and unique, it is necessary to rely on a centralized organization to achieve value transfer. Blockchain perfectly solves this problem and provides a method to realize point-to-point transfer of value. During the value transfer process, accounting is realized by the network without relying on a centralized institution. Therefore, blockchain is expected to become the infrastructure for building new finance and the cornerstone of the future value Internet.

Application of blockchain

Currently, there are two main modes of blockchain application:

1) Native type Blockchain applications: directly based on decentralized blockchain technology, realizing applications such as value transfer and transactions, such as digital currency;

2) "Blockchain+" model: combining traditional scenarios with Combined with the underlying protocol of the blockchain to improve efficiency and reduce costs. It is expected that the application of blockchain in various industries will be dominated by the second model.

Blockchain has five core attributes, namely: transaction attributes (value attributes), certificate attributes, trust attributes, intelligence attributes, and traceability attributes. The above core attributes are combined with the needs of the industry to solve the industry's pain points and become a business model for blockchain applications in various industries.

Blockchain + Bank

1. Cross-border payment

Cross-border payment is a pain point that has long plagued the banking industry. Traditional cross-border payment methods include two major categories: first, online payment, including electronic account payment and international credit card payment, suitable for small retail amounts; second, bank remittance mode, suitable for large amount transactions; Both have problems such as long payment cycle, high fees, and low transaction transparency. Especially in recent years, with the rise of cross-border e-commerce, convenient, fast, safe and low-cost cross-border payment has become an urgent need for the industry.

The role of blockchain:

The characteristics of blockchain are deintermediation and open and transparent transactions. There is no third-party payment institution to join, which shortens the payment cycle, reduces costs, and increases Transaction Transparency. For example, in December 2017, China Merchants Bank teamed up with Wing Lung Bank and Wing Lung Shenzhen Branch to successfully implement cross-border RMB remittances between the three parties using blockchain technology. Its clearing process is safe, efficient and fast, greatly improving customer experience.

2. Supply chain finance

The pain points in this field are the long financing cycle and high costs. Centered on the core enterprise system of the supply chain, it is difficult for third-party credit enhancement institutions to authenticate the authenticity of various relevant vouchers in the supply chain, resulting in long manual review times and high financing costs.

The role of blockchain:

Blockchain introduces consensus mechanism, existence proof, non-tampering, traceability and other features into supply chain finance, without the need for a third-party credit enhancement agency Identify the authenticity of various relevant vouchers in the supply chain, thereby reducing financing costs and shortening the financing cycle. For example, in April 2017, the listed company Yijian and IBM China Research jointly launched the blockchain supply chain financial service system "Yijian Block". The system focuses on pharmaceutical scenarios and currently has more than 30 pharmaceutical distribution companies. Successfully registered in the "Yijian Block", as of the end of July, the number of transactions had been close to 8,000, and the total investment amount exceeded 100 million yuan.

3. Digital Bills

The pain point of the digital bill industry lies in the long-standing problems of "false bills" and "one vote selling more than one", which have brought challenges to the bill financing business of the banking industry. risk.

The role of blockchain:

The existence proof and non-tampering characteristics of blockchain effectively solve the problem of false digital bills; at the same time, blockchain solves the problem of double Spending money can avoid "one ticket selling too many". For example, Shenzhen Blockchain Financial Services Co., Ltd. issues bill chain products to provide bill financing services based on blockchain to solve the bill financing needs of small, medium and micro enterprises. Cooperative banks include Ganzhou Bank, Guiyang Bank, Suzhou Bank, Shizuishan Bank, Langfang Bank, Wuhai Bank, Jilin Jiutai Rural Commercial Bank, Yaodu Rural Commercial Bank, Shenzhen Rural Industry Bank, Weifang Bank, Zhongyuan Bank, etc. In addition, Zheshang Bank, JD Finance, Hang Seng Electronics, HNA, etc. are also verifying blockchain digital bill services.

Blockchain + Securities

1. Asset Securitization

Asset securitization uses future income as a guarantee to obtain current financing. The pain points in this field are: there are many participating entities, many operating links, low transaction transparency, information asymmetry, and the authenticity of the underlying assets cannot be guaranteed.

The role of blockchain:

Blockchain introduces attributes such as existence proof, non-tamperability, and consensus mechanism for asset securitization. It can monitor the true status of assets in real time and solve various problems in the transaction chain. The issue of trust of local institutions in the underlying assets. Various assets such as equity, bonds, bills, income certificates, warehouse receipts, etc. can be integrated into the blockchain and become digital assets on the chain, improving asset circulation efficiency and reducing costs. For example, in May 2017, Internet Finance and partners including Baiqian Leasing and Huaneng Trust jointly issued an asset securitization ABS project supported by blockchain technology, with an issuance scale of 424 million yuan.

Blockchain + Insurance

1. Insurance business

The insurance industry has problems such as information asymmetry and lack of trust between customers and insurance institutions: Users It is difficult to choose an insurance product that suits you, and insurance institutions face the risk of insurance fraud.

The role of blockchain:

The decentralized, open, transparent, and traceable characteristics of blockchain establish a good communication channel between insurance institutions and users; insurance subject matter Information is managed uniformly on the blockchain and cannot be tampered with, helping insurance institutions avoid the risk of insurance fraud; at the same time, smart contracts can improve work efficiency and reduce costs. For example, French insurance giant AXA is using the Ethereum public blockchain to provide automated flight delay compensation for air travelers. If the flight is delayed for more than 2 hours, the "smart contract" insurance product will automatically pay claims to passengers.

2. Credit information management

The pain point in this field is that credit information agencies have limited data collection channels and lack of data sharing, making it difficult to accurately characterize the credit status of individuals or institutions; in addition, There is also the issue of how to protect user privacy during the data collection process.

The role of blockchain:

The blockchain has the characteristics of trustlessness, consensus, and non-tampering. At the technical level, it ensures that effective protection of user privacy can be achieved. Limited, controllable credit data sharing and verification. For example, Ping An's blockchain credit reporting business is now online. In addition, domestic startups such as Shanghai Juzhen, LinkEye, Bubi Blockchain, etc. are also exploring joint credit reporting and safe certificate deposits.

As a basic technology, blockchain has great application value in many industries with distributed processing, peer-to-peer transactions, and rapid establishment of trust relationships. Its core is to solve the credit problem and realize the point-to-point transmission of value. Therefore, it is considered to be the cornerstone of the future value Internet.

The core of the blockchain business model is to use the innovative attributes introduced by the blockchain and combine it with traditional industry applications to realize the reconstruction of business logic in order to create new application scenarios or improve efficiency. cut costs.

Blockchain will also extend toVarious areas of social life: Blockchain solves problems such as the management, transaction, and transfer of digital assets, and therefore will play an important role in the wave of asset digitization, such as supply chain management, data services, asset management, public services, and the Internet of Things Other applications are gradually being implemented in various fields, and "blockchain+" is becoming a reality.

㈤ Can you explain in a simple way what blockchain is? Is there any good blockchain public account that you can recommend?

I suggest you go, Lie Yun Finance
Blockchain is actually two words, block and chain. Every bill is a block, and when linked, it is a blockchain.
First of all, at the beginning of Bitcoin’s operation, I paid Xiao Ming 200 yuan and stipulated that whoever records the accounts first can get 10 yuan (this is the consensus mechanism to encourage everyone to agree to do the same thing), and then gave everyone a lot of blank bills. Once a transaction occurs, Everyone can strive for accounting.
1 One day, Xiao Ming gave Li Si one hundred yuan (this is the deal). At this time, Xiao Ming could yell in the crowd, I will give Li Si one hundred yuan (and sign his name). After everyone hears it, they can strive to keep accounts
2 Since Wang Wu remembers it quickly and finished it first, Wang Wu yelled in the group, "I remembered it well," and Wang Wu sent the bill to him. Wang Wu remembered the others very well, and everyone confirmed that there were no mistakes (Li Si signed), so Wang Wu received a reward of 10 yuan, and then everyone put the bill on the last page of their account books.
3 Wang Wu likes to play Honor of Kings very much. He has always liked a hero, Demacia, but it costs 25 yuan, but Wang Wu only costs 10 yuan, which is obviously not enough, so Wang Wu just I got crazy and thought that I could just keep the accounts myself, since I couldn’t tell anything from the account books. Soon Wang Wu got another opportunity to keep accounts. In addition to recording other accounts, Wang Wu added one more. Wang Wu gave Tencent 25, and then announced it in the group.
4 While Wang Wu was happily waiting to receive Demacia, Li Si looked at the bills carefully. They were all signed by him, so there was no problem. However, Li Si dug out the previous bills and found that Wang Wu only had the note. The reward was 10 yuan, so I refused. For the same reason, everyone refused.
5 Wang Wu’s plan failed, and the price was no reward and a lot of energy wasted.
The above basically explains the process of the blockchain clearly.
Do you understand the above explanation? If you don’t understand something, just ask Lieyun Finance

㈥ What is blockchain

In the simplest terms, blockchain is a distributed classification account.

To understand what this means, we first have to look at its opposite: a centralized ledger. Because blockchain technology started with finance, we will also introduce it below using banks as an example.

The following is the process of our bank debit card transaction:

You can swipe your card to purchase goods in stores.

The merchant sends a statement to your bank for the agreed upon amount.

Your bank will verify that you may have authorized the purchase.

The bank sends the money to the merchant.

Finally, the bank records this information in its ledger.

There’s a lot of technology involved here, but that’s basically it. The last step is important - the bank records all transactions made by the customer. This ledger goes all the way back to the first transaction the bank made.

This ledger is kept, maintained and regulated by the bank. You can read it in your online bank account, but you can't change it. The bank has complete control. If it decides to make a change, there's nothing you can do about it.

Crucially, if hackers were able to access a bank’s ledger, that could cause a lot of problems. They can change the account balance to make it look like certain transactions never occurred, etc.

This is why distributed ledgers are so cool.

Blockchain Network Visualization

If a bank operates on a distributed ledger, each member of the bank will have a copy of the ledger, and whenever any member of the bank When they make a purchase, they tell every other member of the bank.

Each member will validate the transaction and add it to the ledger (the added records are called "blocks"). This has some important benefits, as there is no centralized authority that can manipulate records. Hackers accessing one ledger won't be a big problem because other ledgers can easily verify it.

On the other hand, it requires a lot of work. In short, the second system is blockchain (at least in financial scenarios).

As mentioned above, blockchain is a decentralized list of transactions. If I send Xiao Ming 2 Bitcoins, I send a message to everyone in the network saying "I am sending Xiao Ming 2 Bitcoins" and they all record the transaction.

The future of blockchain, how will it change our lives?

One thing that is important about blockchain is that it is a public resource and no one really owns it because everyone owns it.

Blockchain is not just science fiction. We don’t need to understand the mechanism behind this technology, but you do need to understand that it may completely change our lives in the next 20 years.

This may sound bold, but remember, 20 years ago we were browsing the Internet on Netscape, using state-of-the-art Motorola flip phones, and buying our first DVD players. At that time, if we imagined that a computer could be held in our hands and that we could buy cars, make payments, and watch movies on it, we would definitely be disappointed.I thought it was a fantasy.

Although the impact of blockchain may not be as obvious as the Internet, nor as tangible as mobile phones, blockchain will effectively solve many worries in daily life. Such as intermediaries cheating people, transaction delays, etc. In our current lives, middlemen are everywhere and we take them for granted as a part of life. If one day these intermediaries cease to exist, you will find that the world will become a different place.

Imagine that by 2040, blockchain may become a mature and widely used technology. When one day you can't live without the blockchain just like you can't live without the Internet now, you will be surprised to find that this decentralized accounting technology has simplified the complexity and become a part of your lifestyle