| dc.contributor.advisor | 蔡子傑 | zh_TW |
| dc.contributor.advisor | Tsai, Tzu-Chieh | en_US |
| dc.contributor.author (Authors) | 周星同 | zh_TW |
| dc.contributor.author (Authors) | Chou, Hsing-Tung | en_US |
| dc.creator (作者) | 周星同 | zh_TW |
| dc.creator (作者) | Chou, Hsing-Tung | en_US |
| dc.date (日期) | 2019 | en_US |
| dc.date.accessioned | 5-Sep-2019 17:32:45 (UTC+8) | - |
| dc.date.available | 5-Sep-2019 17:32:45 (UTC+8) | - |
| dc.date.issued (上傳時間) | 5-Sep-2019 17:32:45 (UTC+8) | - |
| dc.identifier (Other Identifiers) | G0101971023 | en_US |
| dc.identifier.uri (URI) | http://nccur.lib.nccu.edu.tw/handle/140.119/125934 | - |
| dc.description (描述) | 碩士 | zh_TW |
| dc.description (描述) | 國立政治大學 | zh_TW |
| dc.description (描述) | 資訊科學系碩士在職專班 | zh_TW |
| dc.description (描述) | 101971023 | zh_TW |
| dc.description.abstract (摘要) | 金融科技是近幾年金融業與相關新創公司的熱門議題。研究如何利用科技與金融服務來創新，一直是他們想要突破的挑戰。而去中心化P2P 網路平台可以降低伺服器維護成本，密碼學技術可提供安全性。因此我們打算整合前述的技術開發新的金融服務，以P2P 借貸為目標，來進行創新。在本論文中，我們提出以P2P DHT 網路技術Kademlia 演算法整合密碼學，設計與實作出一個去中心化、高安全性又能有效匿名的P2P 借貸平台，而必要時銀行是參與平台的服務角色之一。平台讓借貸雙方之間以匿名方式互動，而銀行主要協助用戶匯款金流，並同時保密借貸資訊，以備不時之需。另外為了避免現行中心化P2P 借貸平台機制之集中風險，我們透過P2P 網路讓用戶以去中心化方式直接辦理借貸，並於借貸匯款完成後將借貸合約上傳至平台，事後隨時能查詢合約。至於合約的安全性問題，則透過階層性地加解密與簽章方式來達到機密性、完整性、可用性、驗證性及不可否認性。透過實作與模擬証實我們的平台具備簡易、快速、安全且無法否認的特性。而任何銀行皆可作為平台的金流節點，使平台實現出借貸雙方交易資訊匿名制及借還款金流實名制。相信我們的論文是值得作為金融科技未來的研究參考。 | zh_TW |
| dc.description.abstract (摘要) | In recent years, FinTech is a hot topic in the financial industry and related startups. Researching how to use technology to innovate financial services has always been the challenge they want to break through. Decentralized P2P network platforms can reduce server maintenance costs, and cryptography can provide security. Therefore, we intend to integrate the aforementioned technologies to innovate in P2P lending as the goal.In this thesis, we propose to integrate the P2P DHT network technology Kademlia algorithm with cryptography to design and implement a decentralized, highly secure and effectively anonymous P2P lending platform. If necessary, the bank is one of the service roles who are participating in the platform. The platform allows anonymous interaction between the borrower and the lender. Banks mainly assist users in remittance cash flow, while keeping lending information secret in case of need. In order to avoid the concentration risk of the current centralized P2P lending platform mechanism, we allow users to directly borrow and lend through the P2P network, and upload the lending contract to the platform after the loan remittance is completed. The contract can be inquired at any time afterwards. As for the security of the contract, Confidentiality, Integrity, Availability, Authenticity and Non-repudiation are achieved through hierarchically encrypting, decrypting and digital signature.Through implementation and simulation, we have proved that our platform is simple, fast, safe and undeniable. Any bank can be the cash flow node in the platform so that the platform can be realized with the anonymous mechanism for lending information and the real name mechanism for lending remittance cash flow of the borrower and the lender. We believe that our platform design is worthy of reference as a future research for FinTech. | en_US |
| dc.description.tableofcontents | 第一章 簡介 11.1 背景和動機 11.1.1 金融科技 11.1.2 P2P借貸 21.1.3 平台應用場景 41.1.4 平台匿名與實名機制 51.2 目標 61.3 貢獻 61.4 章節組織 7第二章 相關研究 82.1 P2P借貸 82.2 P2P DHT網路與Kademlia演算法 92.3 密碼學 132.4 比特幣 172.5 區塊鏈P2P借貸 18第三章 平台的系統架構與設計 203.1 系統架構說明 203.2 網路架構設計 213.3 資料安全設計 243.4 銀行端與平台互動設計 253.5 容錯設計 27第四章 平台的系統實作 294.1 實作假設 294.2 下載與啟動 294.3 註冊與登入 304.4 節點路由交換、定位、合約儲存、查找及再發布 314.5 借貸合約確認 334.6 銀行Token交換 344.7 資料上傳平台 344.8 還款流程實作說明 35第五章 平台的展示與模擬 365.1 展示模擬環境 365.2 展示說明 375.2.1 註冊與登入 375.2.2 借貸合約確認 415.2.3 銀行Token交換與匯款 425.2.4 借貸合約加密與簽章 455.2.5 借貸合約上傳與下載查詢 475.3 模擬情境與結果 48第六章 結論與未來展望 516.1 結論 516.2 未來展望 51參考資料 53 | zh_TW |
| dc.format.extent | 2654719 bytes | - |
| dc.format.mimetype | application/pdf | - |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G0101971023 | en_US |
| dc.subject (關鍵詞) | 金融科技 | zh_TW |
| dc.subject (關鍵詞) | P2P借貸 | zh_TW |
| dc.subject (關鍵詞) | P2P網路 | zh_TW |
| dc.subject (關鍵詞) | 密碼學 | zh_TW |
| dc.subject (關鍵詞) | Kademlia | zh_TW |
| dc.subject (關鍵詞) | Fintech | en_US |
| dc.subject (關鍵詞) | P2P Lending | en_US |
| dc.subject (關鍵詞) | P2P Network | en_US |
| dc.subject (關鍵詞) | Cryptography | en_US |
| dc.subject (關鍵詞) | Kademlia | en_US |
| dc.title (題名) | 可信賴的去中心化P2P匿名借貸平台設計與實作 | zh_TW |
| dc.title (題名) | Design and implementation of trusted anonymous decentralized P2P Lending platform | en_US |
| dc.type (資料類型) | thesis | en_US |
| dc.relation.reference (參考文獻) | [1] 推動普惠金融需要結合金融科技, Available:http://www.tier.org.tw/comment/tiermon201807.aspx[2] Patrick Schueffel. Taming the Beast: A Scientific Definition of Fintech. Journal of Innovation Management, 4(4): 32-54, 2016.[3] [圖解]六張圖看懂金融科技模式：概念、現況與案例, Available:https://www.bnext.com.tw/article/38097/BN-2015-12-01-130920-178[4] 台灣 P2P 業者屬資訊中介避開中國倒閉潮三項元凶, Available:https://udn.com/news/story/7239/3586060[5] 傳數千名 P2P 受害者計畫北京遊行受阻, Available:http://news.dwnews.com/china/news/2018-08-08/60076298.html[6] LendingClub, Available:https://www.lendingclub.com/[7] eBay, Available:https://www.ebay.com/[8] Uber Eats, Available:https://www.ubereats.com[9] Peer-to-Peer Lending(P2P), Available:https://www.investopedia.com/terms/p/peer-to-peer-lending.asp[10] What’s a Peer-to-Peer(P2P) Network, Available:https://www.computerworld.com/article/2588287/networking-peer-to-peer-network.html[11] Baruch Awerbuch and Christian Scheideler. Towards a Scalable and Robust DHT. In SPAA, 2006, p. 318–327.[12] David Andersen, Hari Balakrishnan, Frans Kaashoek, Robert Morris. Resilient Overlay Networks. In Proc. 18th ACM SOSP, Banff, Canada, October 2001.[13] Petar Maymounkov and David Mazieres. Kademlia: A Peer-to-peer Information Systems Based on the XOR Metric. In Proceedings of the IPTPS 2002, Boston, March 2002.[14] An Overview of Cryptography, Available:https://www.garykessler.net/library/crypto.html[15] NII 資安政策, Available:https://www.nii.org.tw/Home/SecurityPolicy[16] Satoshi Nakamoto. Bitcoin: A peer-to-peer electronic cash system, 2008.[17] Blockchain Explained, Available:https://www.investopedia.com/terms/b/blockchain.asp[18] Introduction to Blockchain Peer-to-Peer(P2P) Lending, Available:https://icodog.io/news/introduction-to-blockchain-p2p-lending/[19] Peer to Peer Lending Blockchain Platform, Available:https://www.leewayhertz.com/blockchain-p2p-lending-platform/[20] Smart Contracts, Available:https://www.investopedia.com/terms/s/smart-contracts.asp[21] Python3 implementation of the Kademlia DHT data store, Available:https://github.com/dakk/kad.py | zh_TW |
| dc.identifier.doi (DOI) | 10.6814/NCCU201900747 | en_US |
