基于区块链技术的优化动态KYC系统

José Parra-Moyano, Tryggvi Thoroddsen, Omri Ross
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引用次数: 10

摘要

使用区块链技术来改进了解您的客户(KYC)流程的系统仅在概念层面上提出,并且所有系统都具有某些属性,这使得它们的采用非常困难。我们提出并编写了一个基于区块链的系统,该系统可以在与客户合作的金融机构(fi)之间减少和分担KYC过程的成本,并使金融机构能够动态更新与客户相关的信息,并在参与的金融机构之间传播此信息。此外,我们的系统解决了一些阻碍金融机构采用先前提出的解决方案的属性。结果是一个独立的解决方案,它降低了KYC过程的成本,而不需要任何中央实例来存储客户的数据,在这个解决方案中,金融机构分担了KYC过程的初始成本,以及保持客户信息最新的运行成本。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Optimized and Dynamic KYC System Based on Blockchain Technology
Systems that use blockchain technology to improve the know-your-customer (KYC) process have only been proposed at a conceptual level and all share certain attributes that make their adoption very difficult. We propose and program a blockchain-based system that reduces and shares out among the financial institutions (FIs) that work with a customer the costs of the KYC process and also makes it possible for FIs to dynamically update information related to customers and disseminates this information among participating FIs. Additionally, our system addresses some of the attributes that hinder the adoption of previously proposed solutions by FIs. The result is a stand-alone solution that reduces the cost of the KYC process without requiring any central instance to store the customer's data, and in which FIs share the initial costs of the KYC process as well as the running costs of keeping the information about customers up to date.
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