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題名 具隱私性和安全性且適用於在線和離線的數位貨幣支付系統
Online and offline digital currency payment system with privacy and security作者 黃川睿
Huang, Chuan-Jui貢獻者 蔡子傑
Tsai, Tzu-Chieh
黃川睿
Huang, Chuan-Jui關鍵詞 央行數位貨幣
區塊鏈
支付系統
隱私性
高擴展性
金融監管
CBDC
Blockchain
Payment system
Privacy
High scalability
Financial supervision日期 2023 上傳時間 1-Sep-2023 15:22:35 (UTC+8) 摘要 當前的全球趨勢顯示，央行數位貨幣 (CBDC) 對未來銀行業和金融業至關重要。根據 CBDC Tracker 的數據，截至 2021 年 12 月，至少有 64 家中央銀行正在探索央行數位貨幣，其中20 家已經啟動或測試了央行數位貨幣，如中國、英格蘭、瑞典等金融體系成熟國家，而到2022年已達到144個國家。目前對央行數位貨幣的研究主要都集中在傳統金融技術和區塊鏈技術上，並且以區塊鏈為大宗，但尚不清楚這種技術選擇是否提供了最佳解決方案。在本論文中，我們結合區塊鏈和傳統電子金融系統的優勢，設計出一款適合央行數位貨幣的支付系統模型，系統中提供合適的隱私性，高擴展性，並有利於監管，這些都是CBDC關鍵的要素。
The current global trends show that central bank digital currencies (CBDCs) are crucial to both financial industry and banking in the future. According to the CBDC Tracker, as of December 2021, at least 64 central banks are exploring central bank digital currencies. 20 of them have launched or tested central bank digital currencies such as China, England, and Sweden who have mature financial systems. As at 2022, it has reached 144 countries.Most of the current researches about the central bank digital currencies focus on the traditional financial technology and blockchain technology, with blockchain as the bulk. However, it is still unclear that these two choices would be the best solution.In this thesis, we combine the advantages of blockchain and traditional electronic financial systems to design a payment system model suitable for CBDC. The system provides privacy, high scalability, and facilitates supervision which are key elements of a CBDC.參考文獻 [1] Bank of Canada, European Central Bank, Bank of Japan, Sveriges Riksbank, Swiss National Bank, Bank of England, Board of Governors of the Federal Reserve, and Bank for International Settlements. 2020. Central bank digital currencies: foundational principles and core features.https://www.bis.org/publ/othp33.htm[2] Sveriges Riksbank. 2020. The Riksbank’s e-krona pilot.https://www.riksbank.se/en-gb/payments--cash/e-krona/e-krona-reports/e-krona-pilot-phase-3/[3] Wolfie Zhao. 2020. Chinese State-Owned Bank Offers Test Interface for PBoC Central Bank Digital Currency.https://www.coindesk.com/markets/2020/04/14/chinese-state-owned-bank-offers-test-interface-for-pboc-central-bank-digital-currency/[4] Bank of England. 2020. Central Bank Digital Currency: Opportunities, challenges and design.https://www.bankofengland.co.uk/paper/2020/central-bank-digital-currency-opportunities-challenges-and-design-discussion-paper[5] Eli Ben-Sasson, Alessandro Chiesa, Christina Garman, Matthew Green, Ian Miers, Eran Tromer, and Madars Virza. 2014. Zerocash: Decentralized Anonymous Payments from Bitcoin, doi: 10.1109/SP.2014.36[6] K. Wüst, Kari Kostiainen, V. Capkun, Srdjan Capkun. 2018. PRCash: Fast, Private and Regulated Transactions for Digital Currencies, doi: 10.1007/978-3-030-32101-7_11[7] Bo Yang, Yanchao Zhang, and Dong Tong. 2022. DOT-M: A Dual Offline Transaction Scheme of Central Bank Digital Currency for Trusted Mobile Devices, doi: 10.1007/978-3-031-23020-2_13[8] Ashish Rajendra Sai ,∗ , Jim Buckley , Brian Fitzgerald , Andrew Le Gear. 2021Taxonomy of centralization in public blockchain systems: A systematic literature review,doi: 10.1016/j.ipm.2021.102584[9] David Chaum, Christian Grothoff, Thomas Moser . .2021.How to issue a central bank digital currency, doi: 10.48550/arXiv.2103.00254[10] Sarah Allen,Srđjan Čapkun,Ittay Eyal,Giulia Fanti,Bryan A. Ford,James Grimmelmann,Ari Juels,Kari Kostiainen,Sarah Meiklejohn,Andrew Miller,Eswar Prasad,Karl Wüst,Fan Zhang.Design 2020.Design Choices for Central Bank Digital Currency: Policy and Technical Considerations,doi : 10.3386/w27634[11] Christina Garman,Matthew Green,Ian Miers. 2016.Accountable Privacy for Decentralized Anonymous Payments,doi : 10.1007/978-3-662-54970-4_5[12] Bin Lian , Gongliang Chen, Jialin Cui, and Maode Ma , Senior Member, IEEE.2018. Compact E-Cash with Efficient Coin-Tracing, doi: 10.1109/TDSC.2018.2882507[13] Bo Yang , Kang Yang , Zhenfeng Zhang , Yu Qin, and Dengguo Feng.2016AEP-M: Practical Anonymous E-Payment for Mobile Devices using ARM TrustZone and Divisible E-Cash, doi: 10.1007/978-3-319-45871-7_9[14] Mihai Christodorescu* , Wanyun Catherine Gu**, Ranjit Kumaresan* , Mohsen Minaei* , Mustafa Ozdayi* , Benjamin Price**, Srinivasan Raghuraman* , Muhammad Saad* , Cuy Sheeld**, Minghua Xu* , and Mahdi Zamani. 2020. Towards a Two-Tier Hierarchical Infrastructure: An O¬ine Payment System for Central Bank Digital Currencies. CoRR abs/2012.08003 (2020)[15] Abdullah Al Rahat,Kazi Md. Rokibul Alam,R. Tahsin,G. G. Md. Nawaz Al. 2017. An offline electronic payment system based on an untraceable blind signature scheme, doi: 10.3837/tiis.2017.05.018[16] Md. Abdullah Al Rahat Kutubi a,b , Kazi Md. Rokibul Alama,∗ , Yasuhiko Morimotoc. 2021. A simplified scheme for secure offline electronic payment systems, doi: 10.1016/j.hcc.2021.100031[17] Blind Signatures.1983. Blind Signatures for Untraceable Payments[18] 2022. The ECASH Act.https://ecashact.us/[19] Thomas Kudrycki, Chief Technology Officer, eCurrency. 2020.Blockchain is the wrong technology choice for delivering Central Bank Digital Currency (CBDC).https://www.ecurrency.net/post/blockchain-is-the-wrong-technology-choice-for-delivering-central-bank-digital-currency-cbdc[20] 2020. Banking on Surveillance: The Libra Black Paper[21] Hong Kong Monetary Authority. 2022. A Prototype for Two-tier Central Bank Digital Currency (CBDC).https://www.bis.org/publ/othp57.pdf[22] Goldwasser, S.; Micali, S.; Rackoff, C.1989. "The knowledge complexity of interactive proof systems".[23] Hacken.io. Zero-Knowledge Proof – How It Works[24] Line Pay Money :https://www.i-pass.com.tw/Page/AboutAccount[25] 臺灣林產品生產追溯系統 :https://qrc.forest.gov.tw/[26] 司法聯盟鏈新聞 :https://www.ithome.com.tw/news/151487[27] 央行數位貨幣新聞 :https://crossing.cw.com.tw/article/16970[28] 央行數位貨幣新聞 :https://www.ly.gov.tw/Pages/Detail.aspx?nodeid=6590&pid=209947 描述 碩士
國立政治大學
資訊科學系
108753119資料來源 http://thesis.lib.nccu.edu.tw/record/#G0108753119 資料類型 thesis dc.contributor.advisor 蔡子傑 zh_TW dc.contributor.advisor Tsai, Tzu-Chieh en_US dc.contributor.author (Authors) 黃川睿 zh_TW dc.contributor.author (Authors) Huang, Chuan-Jui en_US dc.creator (作者) 黃川睿 zh_TW dc.creator (作者) Huang, Chuan-Jui en_US dc.date (日期) 2023 en_US dc.date.accessioned 1-Sep-2023 15:22:35 (UTC+8) - dc.date.available 1-Sep-2023 15:22:35 (UTC+8) - dc.date.issued (上傳時間) 1-Sep-2023 15:22:35 (UTC+8) - dc.identifier (Other Identifiers) G0108753119 en_US dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/147024 - dc.description (描述) 碩士 zh_TW dc.description (描述) 國立政治大學 zh_TW dc.description (描述) 資訊科學系 zh_TW dc.description (描述) 108753119 zh_TW dc.description.abstract (摘要) 當前的全球趨勢顯示，央行數位貨幣 (CBDC) 對未來銀行業和金融業至關重要。根據 CBDC Tracker 的數據，截至 2021 年 12 月，至少有 64 家中央銀行正在探索央行數位貨幣，其中20 家已經啟動或測試了央行數位貨幣，如中國、英格蘭、瑞典等金融體系成熟國家，而到2022年已達到144個國家。目前對央行數位貨幣的研究主要都集中在傳統金融技術和區塊鏈技術上，並且以區塊鏈為大宗，但尚不清楚這種技術選擇是否提供了最佳解決方案。在本論文中，我們結合區塊鏈和傳統電子金融系統的優勢，設計出一款適合央行數位貨幣的支付系統模型，系統中提供合適的隱私性，高擴展性，並有利於監管，這些都是CBDC關鍵的要素。 zh_TW dc.description.abstract (摘要) The current global trends show that central bank digital currencies (CBDCs) are crucial to both financial industry and banking in the future. According to the CBDC Tracker, as of December 2021, at least 64 central banks are exploring central bank digital currencies. 20 of them have launched or tested central bank digital currencies such as China, England, and Sweden who have mature financial systems. As at 2022, it has reached 144 countries.Most of the current researches about the central bank digital currencies focus on the traditional financial technology and blockchain technology, with blockchain as the bulk. However, it is still unclear that these two choices would be the best solution.In this thesis, we combine the advantages of blockchain and traditional electronic financial systems to design a payment system model suitable for CBDC. The system provides privacy, high scalability, and facilitates supervision which are key elements of a CBDC. en_US dc.description.tableofcontents 第一章 緒論 11.1 研究背景與動機 11.2 研究目的 4第二章 相關研究 52.1 區塊鏈和央行數位貨幣代表的新角色 52.2 電子支付系統相關論文 72.3 電子支付與區塊鏈的結合與發展 10第三章 研究方法 123.1 系統角色與架構 123.2 系統設計 153.3 比較與優勢 46第四章 研究結果 484.1 環境設置 484.2 實驗架構設計 504.3 方法模擬結果 53第五章 討論 59第六章 結論與未來展望 60參考資料 61 zh_TW dc.format.extent 3159634 bytes - dc.format.mimetype application/pdf - dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0108753119 en_US dc.subject (關鍵詞) 央行數位貨幣 zh_TW dc.subject (關鍵詞) 區塊鏈 zh_TW dc.subject (關鍵詞) 支付系統 zh_TW dc.subject (關鍵詞) 隱私性 zh_TW dc.subject (關鍵詞) 高擴展性 zh_TW dc.subject (關鍵詞) 金融監管 zh_TW dc.subject (關鍵詞) CBDC en_US dc.subject (關鍵詞) Blockchain en_US dc.subject (關鍵詞) Payment system en_US dc.subject (關鍵詞) Privacy en_US dc.subject (關鍵詞) High scalability en_US dc.subject (關鍵詞) Financial supervision en_US dc.title (題名) 具隱私性和安全性且適用於在線和離線的數位貨幣支付系統 zh_TW dc.title (題名) Online and offline digital currency payment system with privacy and security en_US dc.type (資料類型) thesis en_US dc.relation.reference (參考文獻) [1] Bank of Canada, European Central Bank, Bank of Japan, Sveriges Riksbank, Swiss National Bank, Bank of England, Board of Governors of the Federal Reserve, and Bank for International Settlements. 2020. Central bank digital currencies: foundational principles and core features.https://www.bis.org/publ/othp33.htm[2] Sveriges Riksbank. 2020. The Riksbank’s e-krona pilot.https://www.riksbank.se/en-gb/payments--cash/e-krona/e-krona-reports/e-krona-pilot-phase-3/[3] Wolfie Zhao. 2020. Chinese State-Owned Bank Offers Test Interface for PBoC Central Bank Digital Currency.https://www.coindesk.com/markets/2020/04/14/chinese-state-owned-bank-offers-test-interface-for-pboc-central-bank-digital-currency/[4] Bank of England. 2020. Central Bank Digital Currency: Opportunities, challenges and design.https://www.bankofengland.co.uk/paper/2020/central-bank-digital-currency-opportunities-challenges-and-design-discussion-paper[5] Eli Ben-Sasson, Alessandro Chiesa, Christina Garman, Matthew Green, Ian Miers, Eran Tromer, and Madars Virza. 2014. Zerocash: Decentralized Anonymous Payments from Bitcoin, doi: 10.1109/SP.2014.36[6] K. Wüst, Kari Kostiainen, V. Capkun, Srdjan Capkun. 2018. PRCash: Fast, Private and Regulated Transactions for Digital Currencies, doi: 10.1007/978-3-030-32101-7_11[7] Bo Yang, Yanchao Zhang, and Dong Tong. 2022. DOT-M: A Dual Offline Transaction Scheme of Central Bank Digital Currency for Trusted Mobile Devices, doi: 10.1007/978-3-031-23020-2_13[8] Ashish Rajendra Sai ,∗ , Jim Buckley , Brian Fitzgerald , Andrew Le Gear. 2021Taxonomy of centralization in public blockchain systems: A systematic literature review,doi: 10.1016/j.ipm.2021.102584[9] David Chaum, Christian Grothoff, Thomas Moser . .2021.How to issue a central bank digital currency, doi: 10.48550/arXiv.2103.00254[10] Sarah Allen,Srđjan Čapkun,Ittay Eyal,Giulia Fanti,Bryan A. Ford,James Grimmelmann,Ari Juels,Kari Kostiainen,Sarah Meiklejohn,Andrew Miller,Eswar Prasad,Karl Wüst,Fan Zhang.Design 2020.Design Choices for Central Bank Digital Currency: Policy and Technical Considerations,doi : 10.3386/w27634[11] Christina Garman,Matthew Green,Ian Miers. 2016.Accountable Privacy for Decentralized Anonymous Payments,doi : 10.1007/978-3-662-54970-4_5[12] Bin Lian , Gongliang Chen, Jialin Cui, and Maode Ma , Senior Member, IEEE.2018. Compact E-Cash with Efficient Coin-Tracing, doi: 10.1109/TDSC.2018.2882507[13] Bo Yang , Kang Yang , Zhenfeng Zhang , Yu Qin, and Dengguo Feng.2016AEP-M: Practical Anonymous E-Payment for Mobile Devices using ARM TrustZone and Divisible E-Cash, doi: 10.1007/978-3-319-45871-7_9[14] Mihai Christodorescu* , Wanyun Catherine Gu**, Ranjit Kumaresan* , Mohsen Minaei* , Mustafa Ozdayi* , Benjamin Price**, Srinivasan Raghuraman* , Muhammad Saad* , Cuy Sheeld**, Minghua Xu* , and Mahdi Zamani. 2020. Towards a Two-Tier Hierarchical Infrastructure: An O¬ine Payment System for Central Bank Digital Currencies. CoRR abs/2012.08003 (2020)[15] Abdullah Al Rahat,Kazi Md. Rokibul Alam,R. Tahsin,G. G. Md. Nawaz Al. 2017. An offline electronic payment system based on an untraceable blind signature scheme, doi: 10.3837/tiis.2017.05.018[16] Md. Abdullah Al Rahat Kutubi a,b , Kazi Md. Rokibul Alama,∗ , Yasuhiko Morimotoc. 2021. A simplified scheme for secure offline electronic payment systems, doi: 10.1016/j.hcc.2021.100031[17] Blind Signatures.1983. Blind Signatures for Untraceable Payments[18] 2022. The ECASH Act.https://ecashact.us/[19] Thomas Kudrycki, Chief Technology Officer, eCurrency. 2020.Blockchain is the wrong technology choice for delivering Central Bank Digital Currency (CBDC).https://www.ecurrency.net/post/blockchain-is-the-wrong-technology-choice-for-delivering-central-bank-digital-currency-cbdc[20] 2020. Banking on Surveillance: The Libra Black Paper[21] Hong Kong Monetary Authority. 2022. A Prototype for Two-tier Central Bank Digital Currency (CBDC).https://www.bis.org/publ/othp57.pdf[22] Goldwasser, S.; Micali, S.; Rackoff, C.1989. "The knowledge complexity of interactive proof systems".[23] Hacken.io. Zero-Knowledge Proof – How It Works[24] Line Pay Money :https://www.i-pass.com.tw/Page/AboutAccount[25] 臺灣林產品生產追溯系統 :https://qrc.forest.gov.tw/[26] 司法聯盟鏈新聞 :https://www.ithome.com.tw/news/151487[27] 央行數位貨幣新聞 :https://crossing.cw.com.tw/article/16970[28] 央行數位貨幣新聞 :https://www.ly.gov.tw/Pages/Detail.aspx?nodeid=6590&pid=209947 zh_TW
