{"title":"分散个人信用评分","authors":"Imbert Theadore, P. J. Sitoh","doi":"10.4018/978-1-7998-9035-5.ch003","DOIUrl":null,"url":null,"abstract":"The current process of securing a loan involves a cumbersome know-your-customer (KYC) process. The process also raises a question about the ownership of credit scores. In this chapter, the authors propose a solution based on a combination of decentralized identifier (DID) W3C blockchain and cryptographic wallet to make it possible to make credit scores possible. A decentralized identifier to enable a loan applicant to assert who he/she is without relying on a centralized identity issuer is key to enabling loan applicants to own his/her own credit score. The use of blockchain is to enable loan applicants to have his/her identity recorded immutably on a store that is trusted by all parties. Finally, the use of a cryptographic wallet is to enable loan applicants to assert identities on demand and prove his/her assertion.","PeriodicalId":248997,"journal":{"name":"Handbook of Research on Social Impacts of E-Payment and Blockchain Technology","volume":"143 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Decentralising Personal Credit Score\",\"authors\":\"Imbert Theadore, P. J. Sitoh\",\"doi\":\"10.4018/978-1-7998-9035-5.ch003\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"The current process of securing a loan involves a cumbersome know-your-customer (KYC) process. The process also raises a question about the ownership of credit scores. In this chapter, the authors propose a solution based on a combination of decentralized identifier (DID) W3C blockchain and cryptographic wallet to make it possible to make credit scores possible. A decentralized identifier to enable a loan applicant to assert who he/she is without relying on a centralized identity issuer is key to enabling loan applicants to own his/her own credit score. The use of blockchain is to enable loan applicants to have his/her identity recorded immutably on a store that is trusted by all parties. Finally, the use of a cryptographic wallet is to enable loan applicants to assert identities on demand and prove his/her assertion.\",\"PeriodicalId\":248997,\"journal\":{\"name\":\"Handbook of Research on Social Impacts of E-Payment and Blockchain Technology\",\"volume\":\"143 1\",\"pages\":\"0\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"1900-01-01\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Handbook of Research on Social Impacts of E-Payment and Blockchain Technology\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.4018/978-1-7998-9035-5.ch003\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Handbook of Research on Social Impacts of E-Payment and Blockchain Technology","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.4018/978-1-7998-9035-5.ch003","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
The current process of securing a loan involves a cumbersome know-your-customer (KYC) process. The process also raises a question about the ownership of credit scores. In this chapter, the authors propose a solution based on a combination of decentralized identifier (DID) W3C blockchain and cryptographic wallet to make it possible to make credit scores possible. A decentralized identifier to enable a loan applicant to assert who he/she is without relying on a centralized identity issuer is key to enabling loan applicants to own his/her own credit score. The use of blockchain is to enable loan applicants to have his/her identity recorded immutably on a store that is trusted by all parties. Finally, the use of a cryptographic wallet is to enable loan applicants to assert identities on demand and prove his/her assertion.
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