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A. What are the scenarios for the development of Tencent’s blockchain? Are blockchain concept stocks a new outlet for getting rich?
In the field of blockchain, Tencent District The speed of blockchain development is relatively fast. As early as 2015, the Tencent blockchain team has begun to pay attention to blockchain technology and conducted independent research and development. As of December 31, 2019, the number of Chinese invention patent applications related to Tencent blockchain reached 990, and in China Ranked first among applying companies. After several years of R&D and exploration, Tencent Blockchain has achieved good results in both the development of underlying technology and the construction of industrial ecology.
The development history of Tencent’s blockchain:
There are no technical problems, it’s just a question of whether to do it or not. ”
When asked what technical difficulties he encountered, Cai Yige, the head of Tencent Blockchain, answered this way. After thinking about it, he added that for theories such as secure multi-party computation and zero-knowledge proof, Technologies that have made breakthroughs in the past have not yet been engineered, which is an industry-wide problem.
For Tencent Blockchain, the bigger problem seems to be to find more scenarios. "Blockchain "Chain + supply chain finance" is a scenario that Tencent is promoting this year.
At the end of last year, the supply chain financial service platform Xingbei Cloud Chain was released, and its underlying blockchain technology is supported by Tencent Blockchain. In addition, Tencent also invested in Lianyirong, which was Tencent’s only strategic investment in supply chain finance.
Now that it has been almost a year, how is this scene and Tencent’s blockchain progressing?
Today, after the establishment meeting of the Blockchain Policy and Legal Research Group and the press conference of the "Blockchain and Supply Chain Finance White Paper", Odaily Planet Daily interviewed Cai Yige, General Manager of Tencent's Blockchain Business, and Lianyirong Company General Manager Ji Kun.
According to two disclosures, in less than a year of operation, the micro-enterprise chain platform has approximately tens of billions of transactions on the chain, with 12 banks connected and more than 70 Enterprises participate, involving industries such as energy, automobiles, and manufacturing. The current penetration supplier level is about level 1 and level 2, which can reduce the interest rate by 2-8 points compared with traditional bank loans.
Micro-enterprises The chain platform is Tencent's key case in supply chain finance. Tencent mainly provides the underlying technical infrastructure, including the underlying self-developed alliance chain, real-time clearing and account transfer capabilities; Lianyirong is mainly responsible for integrating resources and promoting the platform. p>
Supply chain finance is the leading scenario of blockchain, but in fact the real implementation is still very slow, which makes people doubt the substantial changes it brings. The two do not deny that this business is in a very early stage At this stage, it will take some time to promote companies to join, but they all believe that "after joining the blockchain, supply chain finance will actually change very much."
What Odaily Planet Daily wants to know more is, With the addition of supply chain finance after blockchain, will companies and financial institutions be more willing to join in? And this can reduce the balance of small and medium-sized enterprise loans and increase the number of companies that receive loans.?
“The biggest difficulty (in supply chain finance) lies in the participation of financial institutions, because they can only provide funds.” Ji Kun believes that the addition of blockchain can enhance banks’ willingness to enter supply chain finance.
In his opinion, the traditional banks of the four major banks are quite keen on the layout of blockchain. He said that supply chain finance itself is decentralized and the authenticity of underlying assets is very difficult to check. It is not mainstream in traditional financial institutions, and there was no way to achieve penetration before, so banks can only obtain the data of first-tier suppliers. But those in greatest need of financing may be second- and third-tier suppliers. Now blockchain + supply chain finance has changed the credibility of multi-level data circulation, strong credit cannot be split, and the synchronization efficiency of information, making it difficult for small, medium and micro enterprises in the supply chain to obtain loans from financial institutions in the past. Can get a loan. Banks have always wanted to do business with second- and third-tier suppliers. By joining the blockchain, institutions can better control their own data.
As for promoting enterprise use, Ji Kun said that it will take a certain amount of time for many enterprises to accept it. However, because the blockchain of supply chain finance mainly replaces the role of the original commercial paper, the circulation of the commercial paper itself There are some pain points, such as fraud, so they are relatively easy to accept.
When Odaily Planet Daily asked about how to ensure the authenticity of on-chain information, Cai Yige said that different information can be cross-verified, but he also believed that this was indeed a problem, using blocks The chain does not guarantee the authenticity of the information on the chain. Therefore, the first step of the micro enterprise chain's assets is actually accounts receivable, and it is true to use invoices to protect the underlying assets. As the business systems of small and medium-sized enterprises become electronic, they will go deeper in the future.
He also added that blockchain can also improve the efficiency of information synchronization. "I think it is the control of information. It turns out that in a centralized situation, even if you have information, it can be tampered with."
After talking about the focus of Tencent Blockchain this year, everyone naturally wants to know the future plan of. However, Cai Yige’s answer was the same as at the beginning: “We can’t talk about plans. We will continue to think about the scenarios in which blockchain can exert value.”
About this development:
First, you must choose the right scene and be sure to find experts in this industry.
Second, it must be in line with the nature of technology and have commercial value.
Third, it must meet the needs of future development.
Fourth, the architecture must truly solve the problem and be fully integrated with other technologies.
The concept of blockchain should be a new trend. Specifically, make more use of Internet searches to increase knowledge. Internet search results-Tencent Blockchain Development will be put for you.
B. What blockchain apps are there
Blockchain apps include Tencent Blockchain Platform, Mars Finance Blockchain, Ant Blockchain, Digital Chain App, and Lianxiang Finance, Shilin blockchain trading platform, blockchain electronic wallet, Lianquan Finance, etc.
Mars Finance
It is MarsA professional blockchain industry information and market service client under Finance. As a pioneering blockchain portal, it provides a full range of blockchain integration services from industry hot spots, real-time news, market analysis, video interpretation and other dimensions. Influence transmission, value sharing, with the influence of blockchain discovery in the circle of friends, communication with financial friends achieves a win-win situation, and you can obtain information and get more coins at the same time.
Ant Blockchain
Ant Blockchain has the characteristics of efficient operation, providing a comprehensive, real-time, visual operation and maintenance management system, quickly identifying system status, and satisfying multiple levels of Operational management needs. Relying on the massive concurrency experience of WeChat Pay and QQ Wallet, transactions support second-level confirmation; it provides massive data storage and has a processing capacity of 10,000 per second. Provides rich permission policies, secure key management system and user privacy scheme to ensure data security.
(2) Extended reading on Tencent Red Packet Blockchain:
Characteristics of Blockchain
1. Decentralization
Blockchain technology does not rely on additional third-party management agencies or hardware facilities. There is no central control. In addition to the self-contained blockchain itself, through distributed accounting and storage, each node realizes information self-verification, transmission and manage. Decentralization is the most prominent and essential feature of blockchain.
2. Openness
The foundation of blockchain technology is open source. In addition to the private information of the transaction parties being encrypted, the data of the blockchain is open to everyone. You can query blockchain data and develop related applications through public interfaces, so the entire system information is highly transparent.
3. Independence
Based on consensus specifications and protocols (similar to various mathematical algorithms such as the hash algorithm used by Bitcoin), the entire blockchain system does not rely on other third parties. Three parties, all nodes can automatically and securely verify and exchange data within the system without any human intervention.
4. Security
As long as you cannot control 51% of all data nodes, you cannot arbitrarily manipulate and modify network data. This makes the blockchain itself relatively safe and avoids subjectivity. Human data changes.
5. Anonymity
Unless there are legal requirements, technically speaking, the identity information of each block node does not need to be disclosed or verified, and information transfer can be carried out anonymously.
C. What Tencent has done in the blockchain
Ma Huateng: Blockchain is OK; ICO is not OK
At the two sessions, Ma Huateng said that blockchain The topic of blockchain has been very hot recently, and some people even ridiculed that the Internet before blockchain was the "classical Internet". Although blockchain technology is innovative, how to make good use of this technology is another issue.
In Ma Huateng’s view, blockchain technology can be applied in many fields, especially in digitally authenticating the uniqueness of physical objects. Just like a document, a ticket, etc. in reality, blockchain technology can be used to ensure that they cannot be copied or tampered with. MutuallyCompared with traditional IT technology in the past, blockchain is of epoch-making significance in truly simulating the uniqueness of documents and receipts in real society.
As for doing digital currency ICO, Ma Huateng believes that there are still many risks. He said: "If everyone can use blockchain technology to issue digital currencies at will, it will cause a lot of regulatory issues."
For example, gold was tested during the Spring Festival in 2017 The red envelope project is Tencent’s attempt to use blockchain technology to record users’ digital assets. In terms of public welfare tracing, Tencent also uses blockchain technology to reduce the problem of information asymmetry.
In addition to finance and public welfare, Tencent also reached a cooperation with Intel in September 2017, announcing that the two parties would jointly develop blockchain technology to improve security protection capabilities in Internet of Things scenarios.
D. What is the Kilometer Red Envelope
E. In addition to WeChat Pay, what financial technology products does Tencent have that are better?
Hello, for example, Wealth Management, just like Ant Wealth in Alipay, can conveniently purchase fund financial products.
F. How Tencent responds to the blockchain issue
Although Bitcoin has always had mixed reputations, the underlying technology blockchain that supports its development has been increasingly recognized and valued by all walks of life. At the beginning of 2018, the popularity of blockchain has rapidly escalated again. Not only small start-ups, but also giant companies such as Tencent, Alibaba, Internet, and JD.com have also increased their investment in blockchain.
Tencent’s blockchain applications are in the stage of gradually blooming in many areas. Blockchain technology has been applied in supply chain finance, Tencent Micro Gold, logistics information, and legal evidence storage. , public welfare recruitment and other fields. In addition, Tencent also launched the blockchain open platform BaaS.
Cai Yige also revealed that this year he will promote the combination of blockchain and supply chain finance and launch an open platform for supply chain finance. At the same time, we continue to explore and implement in areas such as ABS platforms and virtual digital assets.
G. What is Qianmi Red Envelope
Qianmi Red Envelope is a red envelope grabbing app launched by Shenzhen Qianmi Life Technology Co., Ltd.
Tencent provides advertising content every day. After users register for free, they can grab red envelopes in the app every day. If you want to grab more red envelopes, you can share the user registration. At this time, your red envelope grabbing range will be It will be expanded, the maximum range is 50km, very powerful, money-picking mode.
(7) Tencent Red Packet Blockchain Extended Reading
Red Packet APP Making Money Strategy
Shake to get points
Go online every day, just shake your phone to get points in the "Shake to get points"
You can get points by adding up a little.
Get points by downloading Apple applications
After downloading the software and game software on the application and installing them, you will receive points if you try them for a while. Application software for receiving red envelopesThere are more than a hundred software and game software. Generally, you get 50 to 120 points for installing one. Some applications and games are not uninstalled, and you can get points for trying them again.
Earn points through promotion
Develop an offline user and get 100 points at one time; if the invited user completes any task (except shaking to get points), the inviter will You can get an additional 400 points and enjoy an additional 20% profit from redeeming products in the future.
Of course, you can also share the software with friends and family to download it and earn points.
The secret of making money
Red envelopes serve as a bridge between users and merchants, helping merchants provide active mobile phone users with material incentives to accelerate the spread of applications and obtain usage feedback.
Furthermore, the red envelope only has the following system permissions and cannot access private data such as contacts and text messages: network, which is required by all Internet applications; retrieving the current application, and the red envelope needs to know whether the user is successful. The application is installed; the status and identity of the phone are used to know the unique code of the phone to prevent cheating. Red envelopes cannot access private data such as contacts, text messages, etc., improving the security of user information.
The applications recommended in the red envelopes have been tested and selected, and are usually the works of major domestic manufacturers.
Supported platforms
Apple (IOS) platform, the version requires ios 5.1 or above.
The Android platform is under development, so stay tuned.
In addition to the Chinese New Year, red envelopes will be seen in all red and white events. The festive scene of beating gongs and drums and dancing red envelopes is really eye-catching.
Reference Network-Red Packet APP
H. What is Tencent Blockchain?
Answer: “Blockchain is a decentralized , a trustless distributed and consistent storage system. Tencent Blockchain has not yet specifically defined a currency, but there are many blockchain-related exploration research and services. Auditing is always an afterthought, but blockchain is Ability to intervene before and during the event. For example, blockchain wallets can be established for financial services such as WeChat Pay, QQ Wallet, Wealth Management, Q Coin, etc. Blockchain technology maintains continuity in time latitude and space latitude. It ensures openness, and ensures the traceability and tamper-proofing of information through systems and procedures, forming a three-dimensional, transparent and true credit management system. Blockchain can essentially replace the responsibilities of many central institutions. Compared with machines and people , machines will never lie, so this is a possible opportunity for us in the future.”
Another example is other industries: securities, P2P, personal resumes, education, hospital medical records, electronic invoices, etc., as long as there may be credit risks and Wherever there are financial risks, blockchain can be used for supervision. Even our internal systems can be designed based on blockchain concepts to improve security and governance. In the blockchain, trust and efficiency become two balancing factors. Pursuing maximum trust will lead to low efficiency. pursue the mostIf the efficiency is great, the trust risk will increase accordingly. Each type of blockchain has different characteristics and needs to be selected based on business characteristics. No matter which type is adopted, user privacy and information security are the first consideration, which is the cornerstone of the entire system.
Tencent Cloud’s blockchain financial-grade solution integrates Tencent’s multi-party business including resources in many industry-leading fields such as payment, social networks, media networks, and credit reporting platforms, as well as in smart contracts. , mutual insurance, big data transactions and asset transactions, supply chain finance and supply chain management, can provide financial users with safe, reliable and flexible blockchain service technology support.
Blockchain first avoids the traditional cross-border payment, clearing and auditing and other financial aspects. The inter-bank settlement steps are relatively cumbersome, resulting in slow settlements from time to time, and the payment time is long and investment-intensive. The cost is relatively high. In the traditional insurance industry, the document process that insurance companies need to process takes a relatively long time, resulting in huge time costs. Secondly, in the field of mutual insurance in the field of crowdfunding, there are risks of cheating on the platform, difficult supervision, and opaque public welfare funds and accounts, resulting in the inability to transmit trust. The industry also needs the regulation and supervision of the financial transaction system.
With the popularization and application of the Internet, traditional finance has undergone the evolution of the informatization, networking, and digital era, and has far exceeded the traditional connotation of financial integration. The financial technology that drives financial development is being transformed by the mobile Internet, Application levels such as big data and cloud computing are further turning to the innovation level of underlying technologies such as blockchain. The huge strategic value of blockchain has also triggered competition in the global financial industry. Under the trend of the times, Tencent District The blockchain layout will have great achievements.
Tencent’s blockchain open platform has refined two service models, one is shared ledger and the other is digital assets. There are problems such as information asymmetry and low transmission efficiency between people. Sharing ledgers allows everyone to work together as equals to complete one thing. Tencent's blockchain has achieved joint application in multiple industries such as banking, insurance, securities, supply chain finance, etc. Blockchain is becoming a new open sharing gene in Tencent's eyes.
Looking forward to the day when our Internet will no longer be filled with confusing information that is difficult to distinguish between true and false, but an Internet full of vitality and trust, where information is truly open and transparent. This is the greatest meaning and value of blockchain.
I. Why did Tencent respond to the application for blockchain trademarks such as Infcoin?
The official website of the Trademark Office of the State Administration for Industry and Commerce shows that Tencent Technology (Shenzhen) Co., Ltd. applied for infcoin, Bitcoin and other blockchain trademarks this month. Dongxingxing, Bodongxing, Bocoin, Qbanking, LinkBanking and other trademarks.
Tencent Blockchain Business Structure Tencent Blockchain pays more attention to the implementation of scenarios, and has been involved in supply chain finance, games, legal evidence deposits, digital assets, public welfare tracing, logistics, Taxation and other areas were explored. In March this year, Tencent announced that it was cooperating with the China Federation of Logistics and PurchasingDevelop blockchain supply chain alliance chain and cloud single platform. Based on the cloud bill platform, electronic waybills will replace paper waybills, and electronic signatures will replace manual paper signatures. Blockchain technology will be used to make them distributed, encrypted, and non-tamperable to ensure the authenticity and security of waybill data. "Credibility, safety, efficiency increase, cost reduction". In May this year, Tencent and the Shenzhen Municipal State Taxation Bureau jointly established an “intelligent tax” innovation laboratory. The two parties are jointly promoting China's first blockchain-based digital invoice solution and exploring a new invoice ecology. They hope that every invoice can be checked, verifiable, credible and traceable, and use blockchain technology to The entire process of invoice circulation is managed, making the circulation of invoice data in all scenarios a reality.
Source; The Paper News Network
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