蚂蚁金服区块链应用近几年的现状数据表格分析,蚂蚁金服区块链应用案例分析

⑴ What are the main businesses of Ant Group

Ant Financial and technology services.

1. Ant Financial: Focus on three major sectors and expand its boundaries internationally

1. Scenarios and payments: "entry" logic, strengthen customer acquisition and retention, and achieve business diversion and data precipitation;

Digital finance: "realization" logic, empowering internal customers and scenarios to cooperative financial institutions to realize realization (collaborative income);

3. Technology services : "Empowerment" logic, exporting technology to the outside world, and enhancing value through digital models;

4. Internationalization: "Expansion" logic, sharing the non-linear growth space of global digital finance.

2. Technology services: starting from finance, but not ending with finance.

1. Based on technology research and development: focusing on "BASIC" and collaborating with Alibaba's technological strength, blockchain and distributed technology have established mature solutions in multiple fields of digital finance/economy;

2. Accelerate technology investment: The extension method serves the main line of business. In recent years, there have been more than 30 external technology investments, and the investment direction has experienced the evolution process of 2C-2B-2G;

3. Technology Output is the goal: to create a core profit model. More than 40 products of Financial Services Financial Technology have adopted the paid deployment model. The income space comes from: financial institutions’ direct demand for financial technology products, and changes in profit models (such as output realization of risk control models based on customer profiles, joint loan revenue sharing, etc.).

⑵ What are the application examples of blockchain technology

Application of blockchain technology in voting
Kuaishang is the first country to apply blockchain technology to In the field of voting, it effectively solves the problem of trust in voting data, provides the most authentic and effective data to activists, and protects the rights and interests of real voting users. At the same time, it makes blockchain technology "people-friendly" and allows the general public to quickly perceive and enjoy the area in the field of life services. 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.

⑶ What are the current application fields of blockchain

Financial field

Blockchain has potentially huge application value in financial fields such as international exchange, letters of credit, equity registration and stock exchanges. 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.

⑷ Ant Group has released another blockbuster blockchain application. Can it create another "Alipay"?

Prior to this, Alibaba has repeatedly predicted that it will release a "subversive" application today. product". So, what pain points can Trusple solve? What are the application prospects? What difficulties and obstacles does the promotion of Trusple currently face?

Another “Alipay”

“Same as Alipay’s original intention of launching secured transactions, Trusple also aims to solve the problem of transaction trust. The difference is that since blockchain technology is solving Breakthroughs in trust in complex processesWith its unique features, Trusple better meets the needs of solving international trade trust. Jiang Guofei, vice president of Ant Group and president of the Intelligent Technology Business Group, said.

Specifically, on the Trusple platform, when a buyer and seller generate a trade order, it will automatically go up the chain and start circulation. The payment terms agreed on the order are automatically paid, which avoids the need for sellers to urge buyers to perform offline transfers under the traditional model. It also prevents the frequent malicious delay in payment time. Buyers can also make payments based on real orders on the chain. Obtaining financial services such as account terms has greatly improved capital utilization and procurement efficiency.

For buyers and sellers, every successful transaction on Trusple is a deposit of "on-chain credit". When an enterprise has financing needs, financial institutions can submit a verification request to the Trusple platform to determine the authenticity of the enterprise's trade. In this way, on the one hand, it reduces the financial service risks of banks and other financial institutions, and at the same time, it also revitalizes the survival of small and medium-sized enterprises. and operational capabilities.

It is understood that five banks, including BNP Paribas, Citibank, DBS Bank, Deutsche Bank, and Standard Chartered Bank, have become Trusple’s first partners.

How complicated is the traditional trade financing business? The following is the bank’s letter of credit business flow chart:

As can be seen from the above, the traditional international trade financing model is not only complicated in process, but also requires high fees from banks. Service fee. If you have a blockchain trade settlement platform and develop a trade settlement contract, the exporter will directly place the advance payment in the smart contract. When the exporter's goods arrive at the destination, the system will verify that the documents are qualified before triggering the smart contract. Lending money to exporters not only has a simple process and low service fees, but more importantly, it can reduce the capital occupation cycle and improve capital efficiency.

"This is the case with Trusple currently launched by Ant Group, and Ant Chain also supports smart contract. " Li Lianxuan said.

To sum up, traditional cross-border trade and Trusple are the difference between centralization and decentralization. In the traditional trade model, banks serve as the center, providing transaction credit or financing facilities for buyers and sellers. To ensure the smooth progress of transactions, the "credit" in this is the third-party credit of the bank. As for the trust model of the blockchain, its "credit" comes from the blockchain itself and does not require a third-party intermediary.

Facing two major obstacles

The launch of Trusple has also realized a long-cherished wish of Alibaba for 19 years.

As early as 2001, Alibaba B2B company tried to use a model similar to the intermediary guarantee It solved the problem of mutual distrust between buyers and sellers in foreign trade transactions, but it was not possible due to the technical conditions at the time. Two years later, the emergence of Alipay solved the problem of trust between C2C business users. However, due to the long distance between transactions between enterprises, Much more complicated than between individuals, payment methods and logistics methodsThe style is also very different, so the plan 19 years ago has been shelved to this day. Until the emergence of blockchain provides new solutions. For this reason, Alibaba calls the launch of Trusple a major launch comparable to the birth of Alipay.

It is worth noting that although Trusple has similar functions to Alipay, both are designed to solve the trust problem between different subjects, but the solution ideas are completely opposite. Trusple aims to eliminate middle links and disintermediate, while Alipay is the largest intermediary with 1 billion users. Trusple only targets B-side users in cross-border trade, so it seems to be fine with Alipay for now. So if similar products are used in domestic C2C e-commerce scenarios in the future, it will revolutionize Alipay's life.

Alibaba’s blockchain layout

Blockchain is based on the characteristics of decentralization, openness and transparency, information traceability, anti-tampering, automatic execution of smart contracts, etc., and is a natural solution to trust issues. weapon. As The Economist said: Blockchain will become a “trust machine.” Therefore, Jack Ma said that Alibaba without blockchain would "die".

Jack Ma’s words are not alarmist. Alipay, which started as an e-commerce company, has played a key role in solving the trust issue between consumers and merchants in online transactions. It can be said that without Alipay, Alibaba would not have the e-commerce empire it has today. “Over the past decade or so, we have continued to promote the construction of trust mechanisms through technology and innovation,” Ant Group said in its IPO prospectus.

To this end, as early as 2015, Alibaba established a blockchain team and began to invest in blockchain research and development. In October 2017, Ant Financial (the predecessor of Ant Group) released the "BASIC Strategy" (blockchain, artificial intelligence, security, Internet of Things, cloud computing). In July this year, just before Ant Group applied for listing on the Science and Technology Innovation Board, Ant Blockchain was officially upgraded to "Ant Chain". Jack Ma personally named Ant Chain, which shows its status in the Alibaba ecosystem.

Today, Alibaba has implemented more than 50 blockchain application scenarios. Ant Chain is technically able to support 1 billion account sizes and can support 1 billion daily transactions, achieving 10 transactions per second. Wanbi cross-chain information processing capabilities (PPS).

In April this year, Ant’s “Open Alliance Chain” was officially launched, fully opening up its blockchain technology and application capabilities to small and medium-sized enterprises. Subsequently, the implementation of related blockchain applications further accelerated. In July, the Ant Chain all-in-one machine was released, which can save more than 90% of blockchain deployment time for government and enterprise developers; on September 18, it was opened to the public including data security computing hardware, The privacy and security "three-piece set" of 3D contract security services and data privacy computing services; Trusple is released today.

In terms of research and development, Alibaba’s blockchain patent applications have ranked first in the world for four consecutive years, and its self-developed cross-chain technology has also been recognized as an international standard.

According to the website of the Shanghai Stock Exchange, Ant Group’s Science and Technology Innovation Board IPO has entered the “submission for registration” stage. "After listing, the most important thing for Ant Group is to invest in technology. In the future, it will focus on investing in the five major technical fields of artificial intelligence, risk management, security, blockchain, computing and technical infrastructure." Ant Group CEO Hu Xiaoming said.

⑸ Does DingTalk use blockchain technology?

Yes. According to official news released by Alibaba, Alibaba launched DingTalk and applied Ant Financial’s blockchain technology. DingTalk is an enterprise-level intelligent mobile office platform created by Alibaba Group. It will lead a new generation of working methods in the future and will accompany the growth of every enterprise. It is a collaborative office and application development platform for enterprise organizations in the digital economy era and a new productivity. tool.

⑹ How to view Alipay’s involvement in the blockchain field

The question of the subject is very meaningful. First of all, we must make it clear that Ant Financial “belongs” to Alibaba. Ant Financial has Ant Financial’s business, and Alipay also has Alipay’s business. In the era of big data, "data islands" are the biggest problem for many enterprises.

User data is extremely precious, but companies refuse to communicate with each other. Alibaba and Ant Financial have rich ecological coverage. Through blockchain technology, they can also achieve data exchange with enterprises in other industries. For example, some enterprises invested by Alibaba can directly receive information from Alibaba's huge ecosystem through blockchain technology. User data.

Also, Alipay uses blockchain technology, which facilitates traceability of transactions, etc. Other respondents have already explained these details in detail, so I won’t go into details here.

Traditional Internet giants often use alliance chain technology. On the one hand, they will continue to strengthen their own ecology, and on the other hand, they will also improve data management.

The difference from traditional Internet companies is the public chain. The public chain is actually the opposite party to the alliance chain. Public chains often hope to break the monopoly of traditional Internet platforms through blockchain technology. For example, Aion once announced in a high profile last year that it would be renamed The Open Application Network (The OAN). It is committed to using blockchain technology to improve the current status of the platform economy, and has reached a privacy protection research cooperation with the University of Waterloo. As well as news such as the launch of a privacy test network, it often calls out to the traditional technology and software industries. The slogan is to solve the "unintentional mistakes" of the platform economy, but the intention is relatively obvious: to return data ownership to users and break the monopoly of traditional Internet companies.

⑺ Breaking 100 million in 6 months! Zhejiang Provincial Department of Finance and Ant Blockchain bid farewell to paper tickets

Zhejiang Online, January 15 (Zhejiang Online Correspondent Chen Jieqiong) In order to better solve the "run once problem", local governments are increasingly applying new technologies. Coming faster and faster. Recently, the Electronic Invoice Center of Zhejiang Provincial Department of FinanceRen Ye Shibao said in an interview that since the establishment of the provincial blockchain electronic bill platform in June last year with Ant Blockchain, as of the end of 2019, 507 medical institutions in Zhejiang Province have been on the blockchain and 74 public hospitals have implemented remote locations within the province. Electronic bill reimbursement has reduced the issuance of 100 million bills and saved more than 30 million bill printing costs, once again at the forefront of innovation.

Interestingly, electronic bills have been promoted for many years but there are still many links that cannot be solved. Blockchain has become a key. It is understood that Ant Financial is the first company to explore the application of blockchain technology in digital government industries such as finance and taxation. Through Ant blockchain technology, electronic bills can be "stamped" throughout the entire process from generation, transmission, storage to use. The entire process is traceable and cannot be tampered with, ensuring that the authenticity of the bill can be quickly confirmed in every circulation link, thus Achieve cross-regional and cross-department settlement and reimbursement.

Ye Shibao said that according to previous statistics, the entire process used to take about 12 working days to go to the medical insurance department for reimbursement, while commercial insurance reimbursement took longer, taking 7-60 working days. Now you no longer need to hold the ticket and stamp it in several places, you can quickly receive it with just a few clicks on your mobile phone.

Zhejiang University Shaw Hospital is one of the first hospitals in the province to go online. For Zhao Yue, a bill administrator who has worked in the finance department for 30 years, this is also a good thing.

In the past, he manually reviewed half-meter-high stacks of receipt stubs every day, and packed a large box every eight days on average. The pile could not fit in the office, and he would ask his colleagues to move it to the warehouse for storage. After receiving it and then doing the write-off, "it will take several months to complete the entire process." Nowadays, fewer and fewer bill stubs are collected every day, from the original half meter high to ten or twenty. "The warehouse is no longer needed, and several vehicles that transport the bills for destruction have also been returned."

The full link between hospital electronic bills and reimbursement and claims has been opened up, ultimately improving the patient experience in the "last mile" of medical treatment. Taizhou Hospital dared to be the first to allow Mr. Pang, a local resident, to receive reimbursement without traveling for 7 hours at a time when he was on a business trip to Hangzhou for medical treatment. He became the first person in the country to realize the reimbursement of medical insurance in other places through blockchain electronic bills.

The changes in each hospital are just the tip of the iceberg. Subway ticket settlement on the chain allows users to pass with one code, Hangzhou Internet Court introduced the Ant blockchain, provident fund withdrawal, etc. Zhejiang Province has completed implementation in more than 26 fields. From mobile payment to digital economy, Zhejiang has always been ahead of the curve in the application of innovative technologies.

At the 2020 Zhejiang Two Sessions held recently, Jing Xiandong, a member of the Zhejiang Provincial Committee of the Chinese People’s Political Consultative Conference and chairman of Ant Financial, said that he will continue to use AI and blockchain to promote the upgrading of Zhejiang’s digital government affairs and promote Zhejiang to become a national Digital government model province. In the future, only applications that benefit the real economy and the public will be truly valuable applications, and blockchain must fundamentally move away from virtuality and into reality.