Application of blockchain in customer service industry
The biggest feature of blockchain technology is decentralization, which will rece a lot of costs for the banking instry
First of all, decentralization means that the trust building mechanism between banking systems no longer needs intermediary, which saves the cost of intermediary Secondly, the development of digital currency will realize the real-time digital transaction of banks. For example, in bill transaction, bank's bill transaction always relies on the third party to realize the transfer of valuable documents. Even for electronic bill transaction, it also needs the information of central bank's ECDs system for mutual authentication. The blockchain technology can realize the point-to-point value transmission, which no longer needs centralized system control. This not only speeds up the bill transmission speed, but also reces the mistakes caused by human factors. The rection of process will naturally rece the demand of the bank for personnel and save the labor cost of the bankfinally, it will also have an impact on clearing and settlement. The bank's clearing and settlement business has always been completed by the central settlement, with low efficiency. Settlement through blockchain technology will greatly improve the efficiency of banks
blockchain technology also plays an important role in the cross-border payment business of banks. Today, with the highly developed global trade, cross-border payment is becoming more and more frequent. Banks often act as third-party services in cross-border trade, such as electronic transfer, asset custody and so on. However, cross-border payment generally takes about two days to get to the account, which is inefficient and reces the utilization rate of funds in transit. In the blockchain technology, both sides of cross-border payment can complete through the point-to-point way, realize all-weather payment and real-time arrival, thus speeding up the speed of clearing and settlement, and improving the efficiency of bank business processing
another feature of blockchain technology is de risking. Banks can establish their own blockchain, which can ensure that the transaction information and transaction records of bank customers are true and effective, and will not be tampered with arbitrarily. Banks can effectively identify customers' information, understand all aspects of customers' situation, identify abnormal transactions of customers, and prevent being cheated by customers, So as to rece the cost of bank supervision
China's blockchain instry ecology has initially taken shape, and the number of enterprises has increased rapidly. According to the white paper on China's blockchain instry in 2018 previously released by the information center of the Ministry of instry and information technology, as of the end of March 2018, the number of blockchain companies with blockchain business as the main business in China has exceeded 450, and the instry has initially taken shape
the Ministry of instry and information technology proposes that the blockchain instry is still in the initial stage, and the positive value of technology is graally emerging, but there are still risks that can not be ignored in the development process, such as challenges to the current system and norms, technical loopholes, etc. The Ministry of instry and information technology proposed that it will accelerate the innovation and application of blockchain technology, especially strengthen the improvement of computing capacity, storage capacity and integration penetration capacity, build a good instrial ecology, and promote the healthy development of blockchain instry
1. Blockchain plus supply chain finance nowadays, the supply chain of most commodities, from providing raw materials to manufacturing finished procts, will involve several upstream and downstream small and medium-sized enterprises; And these enterprises are facing the pressure of unlocking supply chain working capital. Supply chain finance means that banks and other financial institutions make systematic financing arrangements for all member enterprises of the supply chain, so as to form a win-win situation between the core buyer enterprise and the supplier: the buyer optimizes the working capital, and the supplier generates additional operating cash flow, so as to minimize the risk of the whole supply chain. The traditional supply chain finance has three pain points: 1. Information can not be shared, low efficiency, poor credibility; 2. The circulation of bills is inconvenient, the settlement of contracts is slow, and there are often capital risks; 3. Credit cannot be transferred and financing is difficult. Blockchain can achieve the following functions: 1. Core enterprises, multi-level suppliers and financial institutions share transaction data, a / R and a / P data and protect business privacy; 2. The circulation of enterprise creditor's rights, automatic settlement of funds, and acceleration of enterprise payment and repayment; 3. The payment commitment of core enterprises is transferred between multi-level suppliers and financial institutions to transfer the credit of core enterprises
2. Blockchain traceability in the field of commodity traceability, the combination of blockchain and Internet of things technology can trace the whole process of commodity circulation, so as to avoid illegal vendors making use of the information asymmetry in the commodity chain to proce fake and shoddy goods. To prevent some participants from tampering with data or falsely claiming the loss of information when it is not concive to their own situation, resulting in the difficulty of proof and accountability. In addition, blockchain traceability can break through the information islands in different links of the supply chain and improve the cooperation efficiency of the supply chain
3. Blockchain helps the blockchain technology of medical services to open up many links, such as hospital prescription, pharmacist prescription review, drug distribution, drug payment, process supervision, etc. Through the distributed storage of blockchain and the accurate matching of information on the chain with patients, we can ensure the one-time dispensing effectiveness of prescriptions, eliminate prescription modification or abuse, and facilitate supervision. In the future, patient information, prescription information and drug circulation information can be encrypted and desensitized through blockchain technology, which can open up more medical application scenarios
4. The integration of blockchain and IOT instrial Internet at the 5th World Internet Conference, the supet instrial Internet platform, which integrates the Internet of things and blockchain technology, was selected as the world's leading Internet technology achievements and became the only award-winning instrial Internet platform
in addition, blockchain data sharing, blockchain judicial chain, blockchain charity, trusted digital content right services, etc. In such instries as government, finance, instry and logistics, health care, retail and Internet, block has a wide range of business application scenarios.
It has the following four characteristics:
1. Deposit and forensics
use Renren chain baas to make business data enter the chain quickly and permanently, and no one or institution can tamper with it
2. Digital assets
do not need to be developed, and a variety of digital assets can be quickly created through the management background, which can be used in finance, banking, banking, banking, banking, etc It is widely used in e-commerce, food and drug safety, trade and other fields
4. It is very convenient to add management nodes in supply chain, which can effectively improve the management and operation efficiency of supply chain and rece costs