最有看点的互联网金融门户

最有看点的互联网金融门户
区块链国际资讯

日本政府开发数字ID区块链平台,银行有望共享客户信息

日本金融服务管理局(后文简称FSA)正在开发一种由区块链推动的平台,将使日本客户能够在多家银行和金融机构之间即时共享个人信息。

根据《日经新闻》报道,这个通用身份平台允许银行账户持有者注册一个“共享ID”,例如可以利用这个ID在不同银行开设账户。

开户申请需要客户通过智能手机APP并通过指纹或面部扫描提供这个共享ID。本质上讲,这个共享ID取消了用户在新的金融机构申请银行服务时需要重新输入个人信息。这个共享ID所保存的个人信息和数据将会被输入、记录和安全存储在一个由FSA和其他金融机构共同开发的不可更改的共享区块链上。

据报道,FSA将建立一个“行政主体”来监管这个共享ID区块链平台,并且将由日本的“大银行”来负责。

FSA将于10月份开始对这种功能进行广泛测试,测试预计将会持续一年。如果成功,那么三菱东京UFJ银行(MUFJ)、瑞穗银行和三井住友银行——日本三大行——将会能够在获得批准的情况下通过区块链查看彼此之间的客户信息。

这三大银行如今都有各自的区块链项目,并且还都是日本交易量最高的比特币交易所Bitflyer的投资方。值得注意的是,2016年末,这三大银行使用一种由Bitflyer开发的专属区块链‘miyabi’来测试国内资金转账。测试结果显示通过区块链能够实现每秒1500笔交易,这次成功的测试证明了区块链资金转账要比目前的银行间电汇系统更加迅速和高效。

这种为银行客户开发的共享ID功能将进入日本政府使用区块链技术的众多新项目和研究工作的长名单中。

此外,日本正在着手一个用于统一城镇、农田和森林地区所有房地产登记到一个单一区块链账本的大规模项目。在将日本登记的大约2.3亿地块和5000万建筑纳入到一起的过程中,这个账本还将包括附带的详细信息和房地产出售价格。这个登记将会在2018年选中的城市进行测试。如果成功,日本政府将在未来5年把所有的房地产登记都放到区块链上。

最近,日本政府还宣布计划测试一个用于处理政府投标的区块链平台。

Japanese regulators and financial institutions are working on a blockchain ID platform that will seamlessly share consumer information between banks.

Japan’s Financial Services Agency – the country’s financial regulator and watchdog – is developing a blockchain-powered platform that will enable Japanese consumers to instantly share their personal information at multiple banks and financial institutions.

According to the Nikkei, the common identification platform will allow a bank account holder to register for a ‘shared ID’ which could then – as an example – be used to open another account at a different bank. The applicant would be required to provide the shared ID through a smartphone app authenticated through a fingerprint or a facial scan. Fundamentally, the shared ID would negate the need to enter, or re-enter personal information when applying for banking services at a new financial institution.

The personal information and data making up for these shared IDs will be entered, recorded and secured over a shared immutable blockchain developed by the FSA and other financial institutions.

Japan’s ‘Megabanks’ Share a Blockchain

The report also suggests that the FSA will establish an ‘administrative body’ to oversee the shared ID blockchain platform, an initiative that will be enabled by Japan’s ‘megabanks’, following a trial.

The FSA will begin an extensive testing process of the feature in October, with the trials expected to last a year. If successful, The Bank of Tokyo-Mitsubishi UFJ (MUFJ), Mizuho and the Smitomo Mitsui Banking Corp – Japan’s three megabanks – will be able to view details of each other’s customers, upon approval, over a blockchain.

With multiple blockchain endeavors of their own, all three of Japan’s megabanks are also investors in bitFlyer, the country’s biggest bitcoin exchange by trading volume. A notable effort in late 2016 saw the three banks use ‘miyabi’, a proprietary blockchain developed by bitFlyer, to test domestic money transfers. With some 1,500 transactions per second over a blockchain, the successful testing proved that money transfers were both faster and efficient compared to the current interbank wire system.

Blockchain Upgrades

The shared ID feature for banking consumers joins a growing list of new initiatives and research efforts by the Japanese government using blockchain technology.

Japan is embarking on a sweeping project to unify all property and land registries across urban, farmland and forested areas on a single blockchain-powered ledger. In incorporating some 230 million plots and 50 million buildings registered across the country, the ledger will also include collateral details and sale prices of properties. The register will be tested in select cities in summer 2018. If successful, the Japanese government will place its entire property register on a blockchain over the next five years.

More recently, Japan also announced plans to test a blockchain platform for processing government tenders.


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

Money Design:日本首家智能投顾平台

胖胖胖 11小时前

战略协议签了半年之久,互金巨头与五大行的合作究竟如何了?

薛洪言 | 苏宁金融研... 2天前

如何用区块链新技术来创新解决供应链金融中的问题?

张明裕 | 零壹财经 11-17

金融数据共享系列三:银行被逼入墙角,如何扳回一城

蔡凯龙 11-17

英国保险科技的借鉴

杨东 | 《上海保险... 11-16

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1