| Summary: | 碩士 === 國立政治大學 === 資訊科學系碩士在職專班 === 107 === 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.
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