区块链的应用图普通版,区块链的应用图片

区块链技术的应用正在改变着我们的生活，它的应用范围也在不断扩大。今天，我们就来谈谈区块链的三大应用：数字货币、智能合约和供应链管理。

数字货币：数字货币是指使用区块链技术进行记账和转移的虚拟货币。它不受任何中央机构的控制，具有去中心化、不可篡改、安全可靠等特点。比特币是最著名的数字货币，它的出现引领了区块链技术的发展。

智能合约：智能合约是一种基于区块链技术的自动执行协议，它可以实现在不受任何第三方控制的情况下自动执行合同。它可以实现自动化的交易，将协议变成可执行的代码，有效地降低了交易成本。智能合约可以用于金融、政府、健康等各个领域，为社会带来更多便利。

供应链管理：供应链管理是指组织和协调供应链中的各种活动，以实现有效的货物流通和信息共享。区块链技术可以有效地改善供应链管理，它可以提供安全可靠的数据存储和共享，有效地管理供应链中的数据，改善供应链的运作效率。它还可以帮助企业进行贸易融资，提高企业的融资效率。

从以上三个方面可以看出，区块链技术正在改变着我们的生活，它的应用范围也在不断扩大。它不仅可以帮助企业改善供应链管理，还可以提高贸易融资的效率，为社会带来更多便利。

A. What are the application fields of blockchain technology?

Application fields: financial field, Internet of Things and logistics field, public service field, digital copyright field, insurance field, public welfare field.

Blockchain can also be naturally combined in the Internet of Things and logistics fields. Through blockchain, logistics costs can be reduced, the production and delivery process of items can be traced, and the efficiency of supply chain management can be improved. This field is considered a promising application direction of blockchain.

Blockchain is closely related to people’s production and life in the fields of public management, energy, transportation, etc. However, the centralized nature of these fields also brings some problems, which can be transformed with blockchain.

Blockchain Technology

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Reference for the above content: Network-Blockchain Technology

B. Application of Blockchain in the Financial Field

1. Application and Development of Blockchain

Some Internet, Internet start-ups and traditional financial industries have begun to try to apply blockchain in some projects

2. Domestic financial institutions are testing the waters of blockchain

Various financial institutions are testing the waters one after another, and they are basically in the conceptual experimental stage and have not yet been commercialized on a large scale.

3. Panoramic view of blockchain application in the financial field

4. Ghostwriting

5. Digital bills

Bills are an important financial product in the financial market. They have dual functions of payment and financing. They are of high value and bear bank credit or commercial credit. Once a bill is issued, its face amount, date and other important information cannot be changed. Bills also have circulation attributes and can be accepted, endorsed, discounted, rediscounted, collected and other transactions within a specific life cycle. Once the transaction is completed, the transaction cannot be revoked. The circulation of bills has two characteristics: first, the circulation of bills mainly occurs through bank acceptance bills, and the number and circulation of commercial acceptance bills are small; second, each bank independently carries out credit granting and risk control for the bill business, and a single bankThe bank's risk control results may affect other participants in the bill market transaction chain.

The experimental production system of the digital bill trading platform uses SDC (Smart Draft Chain) blockchain technology to protect privacy with the help of homomorphic encryption, zero-knowledge proof and other cryptographic algorithms. The Byzantine Fault Tolerance Protocol (PBFT) performs consensus and uses a see-through mechanism to provide data monitoring.

The experimental production system includes four subsystems: stock exchange, bank, enterprise and monitoring: the stock exchange subsystem is responsible for managing the blockchain and monitoring the digital bill business; the bank subsystem has Digital bills have business functions such as acceptance and receipt, discount signing, rediscounting, and collection and repayment; the enterprise subsystem has business functions such as issuance, acceptance, endorsement, discounting, and prompt payment of digital bills; the monitoring subsystem monitors the status of the blockchain in real time and business happenings

6.

C. What are the practical applications of the blockchain 1.0 era?

The development of blockchain 1.0 is closely related to digital currency , applications generally focus on currency transfer, exchange and payment. In a sense, blockchain technology during this period found a solution to the decentralization of currency and payments.

Currency and payment constitute the most significant applications in the blockchain 1.0 era. A series of virtual currencies represented by Bitcoin have emerged, such as Litecoin, Dogecoin, Ripple, Futurecoin, and Peercoin. Etc., thousands of digital currencies have been produced around the world, and there are about 700 types still in operation. These "alternative currencies" act as "cash" on the Internet, opening up another world in the financial field. In the application scenario of virtual currency, individuals can use a decentralized, distributed and global way to allocate and trade various resources.

The blockchain during this period has set off a huge wave in the financial field. In areas related to transfers, remittances and digital payments, blockchain technology has attracted much attention. In these fields, the traditional method requires tedious processing processes such as the account opening bank, counterparty bank, clearing organization, overseas bank (agent bank or overseas branch) through central institutions such as banks, which takes a long time and is costly. After applying blockchain technology, payment can realize end-to-end transactions, eliminating the cumbersome intermediary processing links. It is not only fast, but also has very low transaction costs. Especially in terms of cross-border payments, the blockchain-based payment system can provide users with global cross-border, real-time payment and clearing services in any currency. Cross-border payments will be completed instantly at a low cost.

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D. What are the application fields of blockchain technology?

Financial field

Blockchain is used in international exchange, letters of credit, equity registration and stock exchanges, etc. The financial field has potentially huge application value. The application of blockchain technology in the financial industry can eliminate the need for third-party intermediaries and achieve direct point-to-point connection, thereby greatly reducing costs and quickly completing transaction payments.

Internet of Things and Logistics Fields

Blockchain can also be naturally combined in the Internet of Things and logistics fields. Through blockchain, logistics costs can be reduced, the production and delivery process of items can be traced, and the efficiency of supply chain management can be improved. This field is considered a promising application direction of blockchain.

Public services

Blockchain is closely related to people’s production and life in public management, energy, transportation and other fields, but these The centralized nature of the field also brings some problems, which can be transformed with blockchain. The decentralized, fully distributed DNS service provided by the blockchain can realize domain name query and resolution through point-to-point data transmission services between various nodes in the network, and can be used to ensure that the operating system and firmware of an important infrastructure are not Tampered, you can monitor the status and integrity of the software, detect bad tampering, and ensure that the data transmitted by systems using IoT technology has not been tampered with.

Digital copyright field

Through blockchain technology, works can be authenticated, proving the existence of text, video, audio and other works, and ensuring the authenticity and uniqueness of ownership. After the rights of the work are confirmed on the blockchain, subsequent transactions will be recorded in real time, realizing full life cycle management of digital copyright, and can also be used as a technical guarantee in judicial evidence collection.

Insurance field

In terms of insurance claims, insurance institutions are responsible for fund collection, investment, and claims settlement, and often have high management and operating costs. Through the application of smart contracts, there is no need for the policy holder to apply or the insurance company to approve it. As long as the claim settlement conditions are triggered, the insurance policy can automatically settle claims.

Public Welfare Field

The data stored on the blockchain is highly reliable and cannot be tampered with, so it is naturally suitable for use in social welfare scenarios. Relevant information in the public welfare process, such as donation projects, fundraising details, fund flows, recipient feedback, etc., can be stored on the blockchain and transparently and publicly disclosed conditionally to facilitate social supervision.

E. What are the applications of blockchain

Briefly introduce the application of blockchain technology in the financial field

1. The application of blockchain technology in the banking industry

The biggest feature of blockchain technology is decentralization, and this feature will reduce a lot of costs for the banking industry.

First of all, decentralization means that the establishment of a trust mechanism between banking systems no longer requires an intermediary, saving intermediary costs.

Secondly, the development of digital currency will make it possible to realize real-time digital transactions in banks. For example, in bill transactions, bank bill transactions have always relied on a third party to realize the transfer of valuable certificates. Even electronic bill transactions require interactive authentication through information from the central bank's ECDS system. Blockchain technology can realize point-to-point transfer of value and no longer requires centralized system control. This not only speeds up the speed of ticket transfer, but more importantly, it can reduce errors caused by human factors and reduce processes. Naturally, it will reduce the bank's demand for personnel and save the bank's labor costs.

Finally, it will also have an impact on clearing and settlement. The bank's clearing and settlement business has always been completed by central clearing, which is inefficient. Settlement through blockchain technology will greatly improve the efficiency of banks.

Blockchain technology also plays a major role in banks’ cross-border payment services. Today, when global trade is highly developed, cross-border payments are becoming more and more frequent, and banks often act as third-party services in cross-border trade, such as electronic transfers, asset custody, etc. However, cross-border payments generally take about 2 days to arrive, which is very inefficient and reduces the utilization of funds in transit. In blockchain technology, both parties of cross-border payments can be completed in a point-to-point manner, achieving round-the-clock payment and real-time arrival, thus speeding up clearing and settlement, thereby improving the efficiency of bank processing business.

Another feature of blockchain technology is de-risking. Banks can build their own blockchains to ensure that bank customers’ transaction information and transaction records are true and valid and will not be compromised. If it is arbitrarily tampered with, the bank can effectively identify the customer's information, understand all aspects of the customer's situation, identify the customer's abnormal transactions, prevent being deceived by the customer, and can also promptly discover illegal money laundering, fund transfer and other criminal activities, thus reducing the supervision of the bank. cost.

2. Application of blockchain technology in the insurance industry

Blockchain technology also has incomparable advantages in the insurance industry. From the perspective of data management, the application of blockchain technology by insurance companies can effectively improve risk management and control capabilities, including the risk supervision of insurance companies and the risk management of policyholders.

The application of blockchain technology in the insurance industry can strengthen the internal risk supervision of insurance companies. Blockchain technology can record the daily operating processes of insurance companies on nodes, and can achieve in-process control over the company's capital flow, investment status, compensation amounts and other businesses, and improve the company's risk management and control capabilities.

In addition, blockchain technology is safe, reliable, and cannot be tampered with at will, ensuring that the information obtained by the policy holder is true and effective, thereby enhancing the policy holder's risk management capabilities.

3. Application of blockchain technology in the securities industry

Blockchain technologyThe application of technology in the securities industry can increase the flexibility of securities issuance. Companies that issue securities can use smart contracts to set the method and time of securities issuance. In the most ideal situation, securities can even be issued 24 hours a day.

Under the operation of smart contracts, automatic matching of buyers and sellers is realized, and settlement and clearing steps are automatically completed through the distributed digital registration system. The transaction records on the blockchain will not be changed arbitrarily, so the entered information actually has a publicity effect, so there will be no dispute in the stock exchange's ownership confirmation.

In addition, blockchain technology makes the securities trading process more open and transparent. Through blockchain technology, the securities industry does not need a central organization to operate and manage, nor does it require investment banks to underwrite, to achieve true peer-to-peer transactions, reduce illegal activities such as black-box operations and insider trading in securities transactions, and realize the control of securities. Effective supervision of the industry.

4. Blockchain technology and financial infrastructure

Blockchain technology uses a decentralized mechanism to exchange value, which will lead to a modern world characterized by centralization. Some financial infrastructures have undergone earth-shaking changes.

Assets such as collateral, pledges, and stocks, bonds, and derivatives usually require a trustworthy central organization to register or keep them, but blockchain can record and save these in a new way. Product data will have an impact on the registration system for these products.

Blockchain can receive and react to information and value through smart contracts, automatically complete the transfer of value, and automatically complete transactions, clearing and settlement, which will impact the existing large-amount transaction systems and central banks. Existing financial infrastructure such as securities depository, securities settlement and over-the-counter derivatives trading.

5. Application of blockchain technology in supply chain

The application of blockchain technology in supply chain first provides credit guarantee, and the blockchain records Commodity circulation information, etc., can prove the authenticity and reliability of commodities and their circulation, thereby enabling a comprehensive evaluation of the utility of enterprises on the chain, and becoming an effective guarantee for corporate bank loan credit, financing credit, and transaction credit. .

First of all, the blockchain can time-stamp all the transaction data in the supply chain and cannot be tampered with at will. Even if the transaction data of a certain node can be tampered with, it cannot cover the sky with one hand, so the area Blockchain solves banks' concerns about corporate information being tampered with. For some small businesses, as long as they have good credit, the possibility of borrowing from banks will be greatly increased.

Secondly, through effective integration, the information between upstream and downstream enterprises recorded in the blockchain can not only provide support for enterprises in production, sales and other links, but also provide downstream enterprises with the ability to analyze customer preferences. , so that targeted services can be developed.

F. What are the application examples of blockchain technology

Application of blockchain technology in voting
Kuaishang is nationwideWei is the first to apply blockchain technology to the field of voting, effectively solving the problem of trust in voting data, providing the most authentic and effective data for activists, ensuring the rights and interests of real voting users, and at the same time making blockchain technology "people-friendly" and allowing the general public to In the field of life services, quickly perceive and enjoy the convenience brought by blockchain technology.
The application of blockchain technology in digital asset registration
The Golden Master Digital Asset Service Platform is the first to use blockchain technology. This technology is a global distributed ledger technology that is traceable and non-transitory. Tamper-proof and unforgeable properties. The digital assets of the platform come from regulated digital asset issuers, and the value of the assets is determined through the open market to avoid overestimation or underestimation of value.
The application of blockchain technology in the financial industry
Ant Financial’s independently controllable financial-grade commercial blockchain platform has been deployed globally in multiple institutions and countries in multiple social and commercial application scenarios. Ant Blockchain Chain platform transactions support second-level confirmation, and the consensus mechanism uses an efficient parallel consensus algorithm to ensure the high performance of the blockchain platform. Ant Blockchain has already had multiple production-level applications, applying leading technology to people's livelihood and business. , finance and other fields.

G. Briefly discuss the major applications of blockchain and which ones are pitfalls

What can blockchain do? Blockchain, a great technology that accompanied the birth of Bitcoin, is currently being used in the financial field to significantly reduce transaction costs and improve efficiency, which is enough to excite Wall Street. However, this is just the tip of the iceberg. Its potential applications are very broad and will subvert every aspect of our lives in the future.

The Internet is an information network, with 0s and 1s flowing in it. Blockchain is a value network, and its role is to transmit value, unlike the Internet for data transmission.

Speaking of value transfer, there is a very simple scenario, such as payment, I have 100 yuan in hand, and I want to transfer it to the group. I can use WeChat red envelopes or WeChat transfers. Here During the transaction process, a third party is required to participate, and the transmission method of the blockchain is point-to-point transmission, which does not require any intermediate node. This is a very big difference between the blockchain and our existing architecture.

When it comes to peer-to-peer payments, many people will think of Bitcoin, because most people know blockchain from Bitcoin. What is the difference between blockchain and Bitcoin?

Blockchain is the technology behind Bitcoin; blockchain is a basic technical architecture that designs and implements an autonomous system with multi-party participation through a specific data structure and consensus algorithm.

The specific data structure is actually the name blockchain itself, that is, its data is placed in data blocks one by one, and then these data blocks are connected and implemented using a chain. "Consensus algorithm" is a very important concept in blockchain. Without synchronic algorithm, there would be no meaning of blockchain.

Introduction to Bubi Blockchain

Bubi Blockchain has been focusing on the R&D and innovation of blockchain technology and products since its establishment. It has a number of core technologies and Substantial innovations have been achieved in many aspects and a number of core technical achievements have been formed, such as: mathematically provable distributed consensus technology, fast large-scale ledger access technology, multi-chain general ledger technology that supports business expansion, heterogeneous Interconnection technology between blockchains, etc. On April 25, "Gege Points" introduced the concept of blockchain into the points system, jointly opened it up with multiple parties, issued and redeemed points, and promoted the circulation of points. Each cooperative institution can jointly participate in transaction verification, ledger storage, and real-time settlement; the third-party payment platform of the enterprise points issuer makes the entry and exit of points more flexible. Bubi has developed its own basic blockchain service platform, which has been applied in equity, supply chain, points, credit and other fields. Bubi has been committed to building an open value circulation network with decentralized trust as the core, allowing digital assets to flow freely.

Having said that, let’s analyze the difference between blockchain and Bitcoin?

1. Essential difference. For the world, Bitcoin is a digital currency based on cryptography, while blockchain, as we just said, is a value transfer protocol. There is an essential difference between the two, because one is a digital currency. , one is a value transfer protocol.

2. Algorithm. Bitcoin's consensus algorithm is based on a working algorithm called proof of work, POW. There are many different consensus algorithms in the blockchain. It can use either the Bitcoin POW algorithm, the POS algorithm, or the DPS algorithm.

3. Transaction speed. Bitcoin is limited to a maximum of seven transactions per second. Please note that what is mentioned here is the maximum and not the average, because this is a very strict definition. For the blockchain, the number of transactions per second can actually reach tens of thousands or more, so this is also One major difference between blockchain and Bitcoin. Because many people will be confused and say that the transaction speed of the blockchain is seven transactions per second. This is wrong. This is a limitation of Bitcoin. The blockchain can reach very high speeds based on its different consensus algorithms and linking methods. Transaction speed.

4. Link form. Bitcoin is a blockchain based on the Internet, which means we call it a public chain. The blockchain can be in the form of a public chain, a private chain, or a consortium chain.

5. Limitations. It is recommended that everyone not touch some digital currencies related to blockchain. What's the reason? Bitcoin is a digital currency. Although it has very good and different characteristics, it does not comply with financial supervision. In other words, these 21 million Bitcoins were issued without national authorization and without national credit as a multiple. was released below. The blockchain also has some limitations, although itIt is just a protocol and a technology, but it is still a new technology in its infancy.

To summarize, blockchain is a relatively low-level protocol and a technical infrastructure, on which there are various consensus algorithms. If the blockchain is 1, the consensus algorithm may be 10 to 20, but the applications based on it may be one thousand or two thousand, or more. In other words, Bitcoin is only one of many blockchain applications. A realization. Therefore, Bitcoin and blockchain cannot be equated. Bitcoin is only a very elementary implementation of blockchain.

What can blockchain do? Blockchain problem? In the bill market, digital bills based on blockchain technology can become a safer, smarter, and more convenient bill form. Point-to-point transactions realized with the help of blockchain can break the existing functions of bill intermediaries and realize the disintermediation of bill value transfer; the construction and data storage of digital bill systems do not require a central server, eliminating the need for the development of central applications and access systems. cost, which reduces the maintenance and optimization costs of the system under the traditional model, and reduces the risks caused by system centralization; based on the non-tamperability of information on the blockchain, once the transaction is completed, there will be no default, thereby avoiding "one Behaviors such as "selling too many tickets" and out-of-synchronization of payment and endorsement effectively prevent risks in the bill market. The securities trading market is also an area where blockchain technology has great potential. The current traditional securities trading model has the shortcomings of long transaction processes, low transaction efficiency, and high comprehensive costs. In addition, there are strong intermediaries and regulatory agencies, and the rights of financial consumers are often not protected. Applying blockchain technology, buyers and sellers can be directly matched through smart contracts, and the efficiency of transaction execution can be greatly improved. Settlement and delivery can be automatically realized through a distributed digital registration system. Since the data entered into the block is irreversible and can be copied to each data block within a short period of time, the information entered into the blockchain actually has a publicity effect, so the occurrence of the transaction and the confirmation of ownership will not occur. dispute.

What can blockchain do? Blockchain problem? Although there is no mature underlying blockchain technology platform solution currently, technical problems such as capacity scalability, privacy protection, inability to settle on a net basis, and non-recourse after the event also need to be solved, and large-scale application of blockchain Technology also requires redesigning IT architecture and reengineering business processes, but these are only technical issues. The real test of blockchain technology taking root and growing in the financial field is the ontology of regulatory agencies and financial institutions. Will the inherent "deregulation" and "decentralization" characteristics of blockchain make market entities have no motivation to drive technology? Innovation. However, since the blockchain is a technology based on mathematical algorithms, the establishment of a trust relationship between transaction parties does not require the use of intermediaries or authoritative centers at all, and the cost of establishing a trust relationship is almost zero (when the blockchain financial infrastructure and ancillary infrastructure are established (under the premise), and the blockchain code is open source and open, without geographical restrictions, and the network pattern is distributed and interconnected, providing a platform for future inclusive finance andThe establishment and development of shared finance has laid a technical foundation and created material conditions for global financial integration and unification. From this point of view alone, blockchain technology will surely establish a core position in future financial development, and it will rely on and complement each other to win the future.

H. Blockchain applications include

Blockchain applications include:

(1) Blockchain + Medical: Medical field , Blockchain can use its anonymity, decentralization and other characteristics to protect patient privacy. Electronic health records (EHR), DNA wallets, drug anti-counterfeiting, etc. are all possible application areas of blockchain technology. IBM predicted in last year's report that 56% of medical institutions around the world will invest in blockchain technology by 2020.

(2) Blockchain + Internet of Things: The Internet of Things is a very broad concept. If communications, energy management, supply chain management, sharing economy, etc. are included, the IoT of blockchain technology Networked applications will become a very important application field.

(3) Blockchain + IP Copyright & Culture and Entertainment: The Internet is developing better and better, and digital music, digital books, digital videos, digital games, etc. have gradually become mainstream . The rise of the knowledge economy has made intellectual property rights a core element of market competition. However, intellectual property infringement is serious in the current Internet ecosystem, and the copyright protection of digital assets has become a pain point in the industry.

Blockchain features disintermediation, consensus mechanism, and non-tamperability. Blockchain technology can effectively integrate all aspects of the cultural and entertainment value chain, accelerate circulation, and shorten the value creation cycle; at the same time , can realize the value transfer of digital content, ensure the credibility, auditability and transparency of the transfer process, and effectively prevent piracy and other behaviors.

(4) Blockchain + Public Services & Education: In the fields of public services, education, charity and public welfare, issues such as file management, identity (qualification) certification, and public trust all exist objectively. Traditional The method is to rely on a credible third party for credit endorsement, but problems such as fraud and deficiencies still exist. Blockchain technology can ensure the integrity, permanence and unchangeability of all data, and thus can effectively solve the difficulties and pain points in these industries in terms of certificate storage, tracking, association, and backtracking.

I. What are the application fields of blockchain?

What are the application fields of blockchain? Introduction to the Blockchain Application Industry
As we all know, blockchain is very popular now. It is a shared distributed database technology. Blockchain technology will have very good results in different industries with its remarkable characteristics. Development prospects, so what are the application areas of blockchain?
Blockchain Applications
1. Digital Currency: At present, the most extensive and successful application of blockchain technology is the digital currency represented by Bitcoin. Digital currency has developed rapidly in recent years. Due to the characteristics of decentralized credit and frequent transactions, it has a high transaction circulation value and can be used to develop hedging funds.As a quasi-super-sovereign currency, financial derivatives maintain relatively stable prices. Since the emergence of Bitcoin, hundreds of digital currencies have appeared one after another, and a relatively large industrial chain ecosystem has been formed around the generation, storage, and transactions of digital currencies. Taking Bitcoin as an example, participating institutions can be mainly divided into four categories: infrastructure, trading platforms, ICO financing services, and comprehensive blockchain services.
2. Financial application: Blockchain has inherent advantages in the financial field. On the Internet, this is determined by the genes of blockchain. From a subjective point of view, financial institutions have the strongest willingness to explore blockchain applications and need new technologies to improve operational efficiency and reduce costs to cope with the current status of the entire global economy. Objectively speaking, the market space in the financial industry is huge, and a little progress can bring huge benefits. The financial industry is an industry with extremely high requirements for security and stability. If the application of blockchain in the financial field is verified, it will have a huge demonstration effect and be quickly promoted in other industries. In the financial field, in addition to digital currency applications, blockchain has gradually begun to be applied in cross-border payments, supply chain finance, insurance, digital bills, asset securitization, bank credit reporting and other fields.
(1) Insurance business: With the development of blockchain technology, information about personal health status, accident records and other information may be uploaded to the blockchain in the future, allowing insurance companies to be more timely and timely when customers apply for insurance. Accurately obtain risk information to reduce underwriting costs and improve efficiency. The shared and transparent characteristics of the blockchain reduce information asymmetry and the risk of adverse selection; while its historical traceability characteristics are conducive to reducing moral hazard, thereby reducing the difficulty and cost of insurance management.
(2) Asset securitization: The business pain point in this field lies in the fact that the authenticity of the underlying assets cannot be guaranteed; there are many participating entities, multiple operating links, low transaction transparency, and information asymmetry, making it difficult to control risks. The pain point of data lies in the low efficiency of transfers between participants, the clearing and reconciliation of funds between parties’ trading systems often requires a lot of manpower and material resources, and there are multiple online and offline channels for asset repayment, making it impossible to monitor the true status of assets, and there are still assets After the package is formed, the trust of all parties in the transaction chain in the authenticity and accuracy of the underlying asset data is an issue.
(3) Digital tickets: The pain points in this field lie in three risk issues. Operational risk: due to the centralization of the system, once there is a problem with the central server, the entire market will be paralyzed; market risk, according to statistics, in 2016, there were seven risk events involving hundreds of millions of dollars, involving multiple banks; moral hazard , there are incidents such as "one ticket selling more" and false commercial bills in the market. Blockchain's disintermediation, system stability, consensus mechanism, and non-tampering characteristics reduce operational risks, market risks, and moral risks in traditional centralized systems.
(4) Cross-border payment: The pain points in this field are long payment cycle, high fees and low transaction transparency. With the third-party payment company as the center, the accounting, settlement and liquidation in the payment process are completed, and the payment cycle is long, which isIf the cross-border payment arrival period is more than three days, the fee will be higher. The blockchain is deintermediated, transactions are open, transparent and cannot be tampered with. No third-party payment institutions are involved, which shortens the payment cycle, reduces fees and increases transaction transparency.
(5) Credit information management: The pain points in this field are the lack of data sharing, information asymmetry between credit information agencies and users; formal market-oriented data collection channels are limited, and the battle for data sources consumes a lot of costs; data privacy protection issues are prominent , the traditional technical architecture is difficult to meet new requirements, etc. In the field of credit reporting, blockchain has the characteristics of decentralization, trustlessness, timestamps, asymmetric encryption and smart contracts. At the technical level, it ensures that limited and controllable credit can be achieved on the basis of effectively protecting data privacy. Data sharing and verification.
(6) 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 blockchain's deintermediation, consensus mechanism, and non-tampering characteristics eliminate the need for third-party credit enhancement agencies to verify the authenticity of various relevant certificates in the supply chain, reducing financing costs and shortening the financing cycle.
(7) Asset securitization: The business pain point in this field lies in the fact that the authenticity of the underlying assets cannot be guaranteed; there are many participating entities, multiple operating links, low transaction transparency, and information asymmetry, making it difficult to control risks. The pain point of data lies in the low efficiency of transfers between participants, the clearing and reconciliation of funds between parties’ trading systems often requires a lot of manpower and material resources, and there are multiple online and offline channels for asset repayment, making it impossible to monitor the true status of assets, and there are still assets After the package is formed, the trust of all parties in the transaction chain in the authenticity and accuracy of the underlying asset data is an issue. Blockchain's deintermediation, consensus mechanism, and non-tampering characteristics increase data flow efficiency, reduce costs, monitor the true status of assets in real time, and ensure the trust of all parties in the transaction chain in the underlying assets.
3. Blockchain + Industry Application:
As the application of blockchain technology in the financial field continues to be verified, its technical advantages are gradually showing value in other industries. At present, blockchain application projects are gradually being implemented in fields such as medical and health, IP copyright, education, culture and entertainment, communications, charity, social management, sharing economy, and the Internet of Things, and "blockchain+" is becoming a reality.
(1) Blockchain + Medical: In the medical field, blockchain can use its anonymity, decentralization and other characteristics to protect patient privacy. Electronic health records (EHR), DNA wallets, drug anti-counterfeiting, etc. are all possible application areas of blockchain technology. IBM predicted in last year's report that 56% of medical institutions around the world will invest in blockchain technology by 2020.
(2) Blockchain + Internet of Things: The Internet of Things is a very broad concept. If communications, energy management, supply chain management, sharing economy, etc. are included, the Internet of Things application of blockchain technology will become aVery important application areas.
(3) Blockchain + IP copyright & cultural entertainment: The Internet is developing better and better, and digital music, digital books, digital videos, digital games, etc. have gradually become mainstream. The rise of the knowledge economy has made intellectual property rights a core element of market competition. However, intellectual property infringement is serious in the current Internet ecosystem, and the copyright protection of digital assets has become a pain point in the industry. Blockchain has the characteristics of disintermediation, consensus mechanism, and non-tampering. Blockchain technology can effectively integrate all aspects of the cultural and entertainment value chain, accelerate circulation, and shorten the value creation cycle; at the same time, the value of digital content can be realized Transfer, and ensure that the transfer process is credible, auditable and transparent, effectively preventing piracy and other behaviors.
(4) Blockchain + Public Services & Education: In the fields of public services, education, charity and public welfare, issues such as file management, identity (qualification) certification, and public trust all exist objectively. The traditional method is to rely on A credible third party provides credit endorsement, but problems such as fraud and deficiencies still exist. Blockchain technology can ensure the integrity, permanence and unchangeability of all data, and thus can effectively solve the difficulties and pain points in these industries in terms of certificate storage, tracking, association, and backtracking.

J. What are the applications of blockchain in real life

(1) Qulian

The underlying platform of Qulian blockchain is Qulian Technology The domestic independently controllable blockchain underlying platform developed by the company features high performance, high availability, scalability, easy operation and maintenance, strong privacy protection, hybrid storage and other features, and cooperates with the data sharing and secure computing platform BitXMesh and blockchain open services. The platform FiLoop, the supply chain finance platform FiloLink, the certificate depository service platform FiloInk, and the smart contract security research and development platform MeshSec can better support the applications of enterprises, governments, industry alliances and other industries, and promote the cooperation between multiple institutions. Efficient circulation of value.

(2) JD Chain

JDChain is an enterprise-level blockchain underlying framework independently developed by JD.com. Its birth marks the full launch of JD.com’s blockchain-based BaaS The construction of the "intelligent ecology" of the platform and the underlying chain of "JDChain". JD Zhizhen Chain Service Platform relies on the "one-click deployment" capability achieved through multiple optimizations to achieve leading second-level blockchain node deployment. In addition, it also has the core advantage of being open and compatible with mature applications such as multiple underlying and enterprise-level dynamic networking. The timely launch of JD Zhizhen Chain will effectively promote the large-scale implementation of enterprise-level blockchain applications in various industries and promote the construction of China and the global trust economy.

(3) Thunder Chain

ThunderChain is a blockchain application project independently developed by Xunlei’s Netcenter Technology. It has high concurrency of one million tps and second-level confirmation capabilities. . Based on the research and development of high-performance blockchain products, Xunlei has built the Xunlei Chain open platform to help enterprises or individual developers deploy smart contracts and easily implementProducts and services are put on the chain, making blockchain application development more convenient.

(4) Jingtong Chain

Jingtong Blockchain is the core underlying technology of the blockchain with independent intellectual property rights of Jingtong Technology. It is built based on blockchain technology. An effective decentralized Internet trading network that shares the ecology, adopts a hierarchical design (5 layers) of the underlying platform, and a multi-language smart contract system, and has implemented cross-chain functions. It has multi-level, all-round, one-stop service capabilities such as private chain, cloud chain, and alliance chain, and the layout of the industry and regional ecology has initially taken shape.

In addition to the above-mentioned blockchain products, there are also community-led LTC, Cosmos, IOTA, Nervos, NULS, MOAC, etc., and enterprise-led Ripple, Stellar, WeChat BCOS, XuperChain, Huawei, and Ping An , Wanxiang, Ant Financial, ZhongAn, Bubi, Matrix Yuan, Miyuan, Zhongxianbit, Complex Beauty, Shanghai Lianjing and many other blockchain products.

(10) Extended reading of the application map of blockchain:

Blockchain is far more than just a technology. It involves It is the spirit of "multi-party collaboration". In modern society, many things must rely on everyone's cooperation to achieve the effect of 1+1>2, but in cooperation, we need to try our best to avoid problems such as "information asymmetry."

Therefore, alliance members jointly keep accounts, share data, and make everything public to eliminate "information asymmetry" to protect everyone's interests and allow the business environment to develop healthily. If you do things honestly, you will get the benefits you deserve. If you cheat, it will be known to everyone and criticized by thousands of people. Technology is the foundation that helps realize this model. This is the more important "blockchain thinking".