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AWS最新區塊鏈服務與應用

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AWS最新區塊鏈服務與應用

  1. 1. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. T A I P E I AWS 最新區塊鏈服務與案例 Bruce Wang Partner Solutions Architect Amazon Web Services, HKT Kelvin Wong Advisory Deloitte APAC Blockchain Lab 10.15.19
  2. 2. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Blockchain builds trust in a consortium Three main components: • Immutable and independently verifiable shared ledger • Distributed consensus on allowed activity • “Smart contracts” for verified code execution Blockchain makes it possible to build applications where multiple parties can execute transactions without the need for a trusted, central authority.
  3. 3. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Need for a ledger with centralized trust TRANSACTIONS WITH DECENTRALIZED TRUST2 DMV Track vehicle title history Manufacturers Track distribution of a recalled product HR & Payroll Track changes to an individual’s profile Healthcare Verify and track hospital equipment inventory LEDGERS WITH CENTRALIZED TRUST1
  4. 4. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. LEDGERS WITH CENTRALIZED TRUST Need for running transactions with decentralized trust 1 2 Financial institutions Peer-to-peer payments Mortgage lenders Process syndicated loans Supply Chain Transact with suppliers and distributers Retail Streamline customer rewards TRANSACTIONS WITH DECENTRALIZED TRUST
  5. 5. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Fully managed ledger database with a central trusted authority
  6. 6. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Challenges customers face Building Ledgers with traditional databases Difficult to manage and scale Impossible to verify Error prone and incomplete Resource intensive Blockchain approaches Designed for a different purpose Adds unnecessary complexity
  7. 7. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Amazon Quantum Ledger Database (QLDB) Fully managed ledger database Track and verify history of all changes made to your application’s data Maintains a sequenced record of all changes to your data, which cannot be deleted or modified; you have the ability to query and analyze the full history Immutable Uses cryptography to generate a secure output file of your data’s history Cryptographically verifiable Easy to use, letting you use familiar database capabilities like SQL APIs for querying the data Easy to useHighly scalable Executes 2–3X as many transactions as ledgers in common blockchain frameworks
  8. 8. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. How Amazon QLDB works
  9. 9. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. “Healthdirect Australia operates in a heavily regulated industry, and it is critical that our compliance data is correct and auditable. With Amazon QLDB we look forward to having a complete and verifiable history of every change in our system, making it simple to audit when and how we arrived at our current state. Regulatory compliance is fact of life for healthcare companies, and Amazon QLDB enables us to easily track the controls we have in place and understand how they have changed over time.” —Bruce Haefele General Manager, Technology, Healthdirect Australia
  10. 10. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Fully managed blockchain service, supporting both Hyperledger Fabric and Ethereum frameworks
  11. 11. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Setup is hard Hard to scale ExpensiveComplicated to manage Challenges with existing blockchain solutions
  12. 12. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Amazon Managed Blockchain Easily create and manage scalable blockchain networks Quickly create blockchain networks that span multiple AWS accounts. Easily add or remove members and monitor the network Fully managed Choice of Hyperledger Fabric or Ethereum Improves ReliabilityScalable and secure Easily scale your blockchain network as the usage grows. Also, Managed Blockchain secures your network certificates with KMS Choose the right framework for your needs, whether you are building a permissioned or public network Managed Blockchain improves the reliability of the “ordering service,” by replacing the default technology with QLDB. This improves durability.
  13. 13. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. How Amazon Managed Blockchain works? Amazon Managed Blockchain Create a network Choose an open source blockchain framework, set up a new blockchain network and your membership in your AWS account with just a few clicks Invite members Invite other AWS accounts to join the network Add nodes Create and configure blockchain peer nodes that store a copy of the distributed ledger Deploy applications Create and deploy decentralized applications to your network through your per nodes. Transact with other members on the network
  14. 14. “As critical financial market infrastructure, the industry relies on us to provide innovative solutions that reduce risk, increase transparency and evolve with market and regulatory needs. We believe that blockchain technology represents a generational opportunity to re–imagine post–trade infrastructure. We are pleased to be using Amazon Managed Blockchain to explore possibilities with Hyperledger Fabric, where we can continue to lead industry initiatives around the exploration and adoption of blockchain. Amazon Managed blockchain automates the deployment of blockchain infrastructure, bringing high availability and durability in a fully managed package, accelerating the adoption of distributed ledger technology.” —Rob Palatnick Managing Director, Chief Technology Architect, DTCC
  15. 15. Asia Pacific Blockchain Lab Deloitte China Assurance Financial AdvisoryTax Risk Advisory Consulting Strategy & Operations Human Capital Technology SAP Oracle System Integration Analytics & Information Management Technology Strategy Digital GDC FinTech COE, Advanced Analytic Center, and Asia Pacific Blockchain Lab Deloitte Technology Consulting is a huge practice, with a solid Analytics and Information Management practice and a FinTech COE based in Hong Kong.
  16. 16. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Deloitte APAC Blockchain Lab Deloitte Asia Pacific Blockchain Lab is one of the three Blockchain Labs in Deloitte. , coordinated out of Hong Kong, works with our specialists across the region and other Deloitte Blockchain Labs to bring Deloitte's unique expertise to Asia Pacific. Overview of Deloitte’s Blockchain Capability New York Blockchain lab 40+ developers and designers Dublin Blockchain lab 50+ developers and designers Hong Kong Blockchain lab 30+ practitioners in Hong Kong 70+ developers and designers in CQ 100+ Blockchain professionals 70+ Developers and designers 50+ Prototypes
  17. 17. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Deloitte Asia Pacific Fintech Center of Excellence (COE) About Us | Deloitte Fintech Center of Excellent We are the FinTech Centre of Excellence of Deloitte China as well as the Asia Pacific Blockchain Lab for the region. We develop solutions around AI, Blockchain, Big Data, and Digital. We completed projects ranged from the leading trade finance DLT platform for 5 major banks in HK, bancassurance DLT platform in Macau, machine learning and big data for major international bank, etc.
  18. 18. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Deloitte Asia Pacific Blockchain Lab
  19. 19. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Deloitte Fintech Lab – Blockchain Project Achievement Bid for GTCN Interoperability Project between HK TFP and Singapore National Trade Platform (NTP) Won HKMA Trade Finance Platform (TFP) Project Management and Govenance model design Supported US Firm with Our Solution Architect on RiskBlock Project of The Institute Collaborated on a Whitepaper on DLT Governance Bid for AgriBusiness Certification Platform Deployed Cross-Industry & Cross-Border Bancassurnace Platform for China Life (China) and China Guangfa Bank (Macau) with Press Release Won EPA of Victoria Traceability Blockchain Platform Won MoneySQ KYC & Mortgage Blockchain Platform (Contracting) Conducted Roadshow for 8 Clients, including Nissan, Mercedes Benz, Toyota, Fidelity, Mizuho, MSAD, SMBC, and Heitman Won DLT Product Evaluation Consultancy for WeBank / Shenzhen FinTech Association Achievements Interfirm Support
  20. 20. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Blockchain benefits Blockchain is a shared form of distributed ledger database (DLT) that provides a host of benefits for sharing with resilience and high security Sharing data among all network participants Resilience Undisputed source of truth: it’s unchanged once written Undisputed EPA set data regulations; control of who and how they contribute Proactive Move towards proactive enforcement by making mass balance a reality Control
  21. 21. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Prominent use cases across industries We identified a number of use cases for blockchain technology that can be applied across industries and in some cases combined to facilitate an end-to-end process Business models enabled by Blockchain technology: • Commercialize applications to generate new revenue streams • Form consortiums with peers in industry (e.g. a group of finance organizations of manufacturing companies forming a syndication without a bank or central authority) • Move up the value chain and sell/market directly to consumers (e.g. asset managers interacting directly with investors) • Create alternative investment options or portfolios (e.g. investing in cryptocurrencies or vendors) Supply Chain Management Blockchain offers an immutable and irreversible source of information that can track the true ownership of a product across the supply chain Payments Blockchain can transfer payment across currencies almost instantly for a fraction of today’s cost and provide access to the unbanked in remote areas Multi Party Aggregation Blockchain can be used as a shared master data repository for common industry information allowing multiple members to query the data Digital Identity / KYC Blockchain can create an auditable source of information shared and verified across a network of organizations (e.g., KYC compliance) Voting Blockchain provides a method for allowing users to vote using a secure online platform that provides transparency into elections results Clearing and Settlement Blockchain shows promise to drive efficiency in the clearing and settlement process of digital assets through the use of colored coins Reinsurance Blockchain establishes a framework of Smart Contracts that enable automatic representation of reinsurance agreements across the ecosystem
  22. 22. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Blockchain Fundamentals Blockchain is a distributed ledger technology (DLT) that impacts all transaction fabrics in modern world. It can be used for recording business transactions, transferring value and enabling programmable business logic Near Real Time No Intermediary Distributed Ledger Irreversible Blockchain “the Internet of Value” Features Purpose Types Public Blockchain  Fully decentralized – requires very low trust  Fully transparent – Anyone can read, send transactions and participate in the consensus process  Blockchains are secured by economic incentives and cryptographic verification; Low cost for transactions Permissioned Blockchain  Quasi decentralized – hybrid; Read permission of the Blockchain restricted to participants  Participants can agree to rule changes, reversals and modification  Greater degree of privacy protections as only preselected entities are allowed to read the blockchain Private Blockchain  Centralized– requires ‘high trust’ entity  Only the centralized authority has the capability to agree to rule changes, transaction reversals and modification  Transaction costs dictated by one entity Data Exchange
  23. 23. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Encryption (Reversible) Hash (Irreversible) 2 7 +5 (Lossless) Decryption 37 2 Mod 7 16 ? Borrower Bank A Bank B PO1234 Encrypt Decrypt 030af6ea 030af6ea … Deduplication by Smart Contract
  24. 24. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Blockchain Fundamentals - Gold Mine in Blockchain Hash Address • Buyer • Seller • Date • Product Category • Purchase Order • Origin • Value • Route • Invoice • Terms Hash Address Exporter Importer Bank Customs Tax Regulator Logistic Insurer The transparency of data in Blockchain enables tons of business case.
  25. 25. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Trade Finance Eco-System – Nodes/Peers in Permissioned Blockchain Regulator Other Participants DLT Network Node Freight Forwarder Commercial Clients SMEs SMEs SMEs Bank Trade Facilitation Service Provider Corporate Client Bank Network Operator Network Participant
  26. 26. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Data Design Blockchain platform captures an immutable trail of the product, with inspector providing assurance of data reliability. No financial data is on-chain. 2018-01-01 IoT Identifier: XXX Off Chain 9e68590debb5445a58bd2e3 8f0d534444b64c1a9a0bef9cc f145c110632370f3 On Chain Produced in India Manufacturer Signed 0959560ccd3f61e342a35a7a1 14e4ae95159960994c305338 ba048c49a0acb67 2018-02-03 9e68590debb5445a58bd2e3 8f0d534444b64c1a9a0bef9cc f145c110632370f3 Sold in Hong Kong 2018-01-02 9e68590debb5445a58bd2e3 8f0d534444b64c1a9a0bef9cc f145c110632370f3 Product Certification 2018-02-03 9e68590debb5445a58bd2e3 8f0d534444b64c1a9a0bef9cc f145c110632370f3 Audited Inspector Signed Retailer Signed 2018-04-10 9e68590debb5445a58bd2e3 8f0d534444b64c1a9a0bef9cc f145c110632370f3 Claims Incident Customer Signed 2018-04-20 9e68590debb5445a58bd2e3 8f0d534444b64c1a9a0bef9cc f145c110632370f3 Claims Processed Insurance Signed Identifier Hashed by SHA-256 Display on Mobile App or Web Portal Upon Enquiry
  27. 27. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Gold Mine in Blockchain Hash Address • Buyer • Seller • Date • Product Category • Purchase Order • Origin • Value • Route • Invoice • Terms Hash Address Exporter Importer Bank Customs Tax Regulator Logistic Insurer
  28. 28. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Trade Finance Platform Corda Hyperledger (超级账本) Open(开源)Proprietary(独家) Marco Polo Voltron Batavia DTC # 12 P LC V 5~10d  1d T SME # 14 P OAF V RWA T All D May 2018 D Oct 17  Q4 18 eTC # 7 + 5 P OAF V Effort & Risk T All D Sep 2018 # 9 P BPU V SaaS T SME D Jul 2018 # 5 P LC & OAF V - T All D Apr 2018 Many large banks are members of multiple networks.
  29. 29. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Purchase Order
  30. 30. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Financing Approval & Fraud Alert
  31. 31. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Data Encryption & Smart Contract
  32. 32. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Bancassurance Through synchronizing policy, status, and premium data, as well as automating commission calculation and reconciliation, 86% of manual effort was reduced.
  33. 33. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Know-Your-Customer (KYC) Individual user sends a request to Bank A to populate his/her KYC account with KYC and bank account information, using a hashed HKID (and potentially other fields) for lookup. Bank A retrieves the information from their database and sends the information to the user, which logically belongs to the user but physically stored in the distributed ledgers, i.e. everyone will own a copy, but in a hashed form which cannot be reverse-engineered. The user sends the information to Bank D for credit application, but technically, the user sends the hashed ID over to Bank D and Bank D finds the information in the data node hosted by themselves. Bank D can either use API to connect the data from KYC Blockchain network or use the portal to conduct KYC information enquiries. The approved credit information will then be propagated to all parties in the ecosystem using the hashed ID. Individual users can retrieve their profile information from a bank they choose, then authorize the use of those data by another bank for credit applications. KYC Network Bank D Bank A Bank B Bank C Credit Bureau B Credit Bureau AUtility A Utility B Individual User 2 3 5 Credit Application 1 4 5 5 1 2 3 4 5
  34. 34. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. KYC - Digital Identity on Blockchain Hash Address Once a qualified participant completes the KYC process for one customer, another one can on-board the same customer quickly. KYC Blockchain Customer Vault 3P14159f73E4gFr7JterCCQh9QjiT Hash Customer ID | ID  | Address  Hash Address ID.tif AddressProof. pdf IncomeProof. pdf Bank A Encryption Key Bank B KYC Fee Inquiry Upon Customer Authorization KYC Result Immutable
  35. 35. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. KYC - Data Design Blockchain platform captures an immutable trail of the personal information and credit history, without unique identifier of individuals through ID hashing. 2018-01-01ID: XXX Off Chain 9e68590debb5445a58bd2e3 8f0d534444b64c1a9a0bef9cc f145c110632370f3 On Chain HKID Validated Bank A Signed Address Proof 2018-01-03 9e68590debb5445a58bd2e3 8f0d534444b64c1a9a0bef9cc f145c110632370f3 Income Proof 2018-01-02 9e68590debb5445a58bd2e3 8f0d534444b64c1a9a0bef9cc f145c110632370f3 Utility A Signed 2018-02-03 9e68590debb5445a58bd2e3 8f0d534444b64c1a9a0bef9cc f145c110632370f3 Credit Score Bureau Signed Utility B Signed 2018-02-10 9e68590debb5445a58bd2e3 8f0d534444b64c1a9a0bef9cc f145c110632370f3 Credit Exposure Update Bank D Signed 2018-04-20 9e68590debb5445a58bd2e3 8f0d534444b64c1a9a0bef9cc f145c110632370f3 Delinquency Update Bank A Signed Identifier Hashed by SHA-256 Display on Mobile App or Web Portal Upon Enquiry
  36. 36. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Cross-Border KYC To support product, people, and capital flow, information flow is the foundation and the most important enabler. Bank Insurance Pension & Housing Fund Universities Credit Bureau Service Portal Individual Clients EntrepreneursArbitration Medical Qualifications Patient Record Service Enquiries Legal Record Policies & Claims Financial Record G B A
  37. 37. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Supply Chain Traceability Deloitte’s supply chain solution includes physical inspection results which are then validated against on- chain and immutable records. Traceability Blockchain ERP ERP ERP ERP Miner Polishing Shipment Inventory Wholesale Retailer Insurance Supply Chain API Claims Filing Customers Database Mobile & Desktop ApplicationInspection Company Core Banking Bank Financial Services
  38. 38. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Problem of Digital Twins Nano IdentifierInternet-of-Things Linking the physical world with the digital platform is the key to project success. Laser Engraving Smart Container Anti-Counterfeit Label
  39. 39. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Track & Trace
  40. 40. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Blockchain Ecosystem - Education Credentials Apart from forged qualifications, when government provides grant and funding, there will be additional risks. Grant Existing Employer University Portal Training Provider Training Provider Portal Certification Individual Users Individual Users Automated Audit Agent Potential Employer Training, Attendance, Assessment Qualification Data Enquiry Fraud Detection Training Nomination Funding Record Qualification SME Administration Education Credentials
  41. 41. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Loyalty Membership Ecosystem Crypto-Based Loyalty Program Gaming Chain Hotel Government Collection Financing Shopping Mall Casino Gaming companies can share “hashed” customer profiles among concessionaries and sub- concessionaries, as well as overseas subsidiaries or partners (Case: Jewelry). Regulations (DICJ, AMCM, GPDP, etc.) and taxation (DSF) can be enforced through monitoring real-time and transparent transactional data using big data analytics (Case: HKMA). Behavioral data can be analyzed for underwriting purpose and provide credit facility for customers (Case: Alibaba) Insurance eSport DLT allows cross-border synchronization of sensitive customer information with their delinquency information for effective collection (Case: Reditus). Insurance companies will be highly interested in the behavioral data for underwriting purpose, rendering a data monetarization opportunity (Case: Japan Auto). Loyalty points can be consumed and behavioral data can be collected for propensity model development and risk appetite analysis (Case: China Life). Partnering Casino Partnering Casino Profile can be tracked and traced using eSport wallet (Case: G- Loot). With real-time, secured, and potentially cross-border B2B data synchronization, the transparency and productivity of the whole ecosystem can be improved.
  42. 42. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Deloitte Blockchain Asset Platform enabling donation collection and distribution to small charitise Charity Dao Enabling fast and transparent lending and payment processes for auto dealers, buyers, and lenders Auto Lending | Lend Smart Near real-time enterprise payments Business to Business Payments Alerting the primary financier when the same property is finance more than one time Double Financing Alert | eMortgage Alert Facilitating real time validation and sharing of certified qualifications Digital Identity | SmartID Eliminating onboarding overhead, while onboarding customers in a secure, trusted, and efficient manner Customer Onboarding Allowing customers to send money cross-borders Cross Border Payments Art Tracker | Arttractive A distributed ledger for tracking the provenance and location of fine art Education Credentials | EduScrypt Facilitating real time validation and sharing of certified qualifications
  43. 43. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Rapid onboarding for enterprise clients to bancassurance services Insurance Broker Marketplace | Bancassurance Insurance First Notice of Loss Streamlining the know your customer process and eliminating duplicative KYC information gathering from customers KYC Utility Management of fund subscription, fund redemption, and reporting via blockchain Fund Distribution Comprehensive servicing of many lending products – from loan setup to repayment (integrates with SAP/HANA) Loans Management Notifying incumbent insurer when customer switches insurers (to achieve French regulation compliance) Insurance Cancellation Management Tracking microinsurance operations from onboarding through repayment Lender Bot Platform for employee / customer loyalty, enabling faster distribution of rewards and simpler administration Loyalty & Rewards | Dcoins ICO Support Streamlining the first notice of loss process ICO business case evaluation, voting, strategy, design, launch, and tax implications support Deloitte Blockchain Asset
  44. 44. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Simpler registration of tenant- landlord contracts Real Estate contracts Simplifying reinsurance contracts and settlement Reinsurance Achieving real, immutable timestamping Timestamping Over Blockchain Enabling secure sharing of patient consent for clinical trials Patient Health Data Sharing Letter of credit streamlined and simplified for buyers, sellers, and banks Trade Finance | Letter of Credit Simplification Supply chain tracking, tracing, and provenance Supply Chain | TraceChain Proxy Voting | UVote Cost effective, secure, and transparent access to voting – from anywhere with an internet connection Streamlining reporting, acting as a secure repository for large volumes of data Reg Reporting | RegChain Modernizing trade finance while decreasing costs, increasing revenue potential, and decreasing fraud Trade Finance | Mercury Deloitte Blockchain Asset
  45. 45. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. Intracompany agreement management and validation for transfer pricing Transfer Pricing Smart contracts | Trade chain Transaction Reporting | AIRMES Shared immutable ledger of transaction reports Deloitte Blockchain Asset
  46. 46. Thank you! © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved. BruceWang ykwang@amazon.com

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