KYC(Know Your Customer)是銀行非常重要的一項程序，除了法規上的遵循外，也同時要滿足控制客戶投資風險和防制洗錢的目的，但各銀行重複花費大量的金錢和時間成本在相同客戶KYC資料的收集和驗證上。 區塊鏈是一個採用密碼學及共識演算技術來確保交易資料無法被竄改的分散式帳本系統，被稱為無須中間人的信任機器。 本研究透過區塊鏈做為銀行之信任基礎，在不改變既有的KYC流程下，提出一套”金融KYC平台”架構，讓不同銀行在提供金融服務時，每個客戶的KYC資料收集和驗證的程序只要進行一次。 此平台不使用集中式資料庫，KYC原始資料存放在客戶資料註冊銀行本地資料庫中，銀行透過區塊鏈驗證KYC資料之正確及完整性，並透過區塊鏈上紀錄的相關資訊，進行銀行間的資料的授權及同步作業。本研究實際建置展示了七個金融KYC平台的使用情境，驗證原先的各項程序假設，都能在兼顧安全和效率下完成。 / KYC (Know Your Customer) is a very important procedure for banks not only for regulatory compliance, but also to meet the controls of customer investment risk and the purpose of money laundering control. It takes a lot of money and time in the process of verifying the same customer’s information for each bank. Blockchain is a decentralized ledger platform that uses cryptography and consensus algorithm to ensure that transactional data can not be tampered with, and is known as a “Trust Machine”. Without changing current KYC procedures, this study build a "Banking KYC Platform" based on blockchain technology. And let the KYC validation be only conducted once for each customer between banks. This platform does not use centralized database. The original KYC data is stored in bank's local database. Banks verifiy customer KYC data’s correctness and completeness through blockchain and synchronize them based on the information recorded in blockchain. This study shows the result of verifying seven KYC use cases with this Banking KYC Platform. It is a complete demonstration for reaching the goal of solving security, efficiency and cost reduction problems.

<p>QC 20170306</p>

Every time the development of technology enters a new epoch, big changes inthe business and society will follow. Especially for the entrepreneurs, it signifies both opportunities and challenges at the same time. In the next decade, IoT, AI and blockchain will be the main driving forces in the upcoming technological revolution and demonstrate great synergic potential. There is an old saying, “In a strong wind even turkeys can fly”. The company who can seize this chance may become to the next GAFAs (Google, Amazon, Facebook and Apple); whereas those who completely ignores it may be rolled out of the marketeventually. Business model canvas is a very popular method for startups to align the resources and formulate the strategy, which is also the framework used in our research. The main target of this thesis is to demonstrate a thinking method to converge these new technologies in the business models and evaluate the most significant elements in the business planning stage. It could help the future startups to take advantages of the opportunities and overcome the challengesin the new business environment.

With the increasing popularity of blockchain - the cryptocurrency technology, the decentralized potential of the Blockchain technique is driving a new wave across the manufacturing industry. This paper introduce how to use the blockchain technique as a tool for solving supply chain related tasks in manufacture industry, and drive quantum leaps in efficiency, agility and innovation comparing with traditional centralized management system. This paper introduces the blockchain technique with its value properties and the requirement of this technique from manufacture industry. It also presents a clear blockchain architecture based on manufacture industry supply chain management mechanism describing its characteristics, unique consensus algorithms, smart contracts, network, scalability, databases. The paper also gives out a practical supply chain Dapp upon this architecture. / I och med det ökande intresset för kryptovaluta-teknologin Blockchain, går decentraliseringen av Blockchain-tekniken som en ny våg över tillverkningsindustrin. Denna uppsats syftar till att introducera hur tekniken av blockchain kan användas som ett verktyg för att lösa problem relaterade till leverantörskedjan i tillverkningen. Den belyser även vilka fördelar tekniken har gällande effektivitet, flexibilitet och förnyelse jämfört med traditionella centraliserade styrningssystem. Arbetet presenterar fördelarna med blockchain och hur industrin är i behov av denna teknik. Uppsatsen presenterar även en tydlig blockchain konstruerad struktur baserad på tillverkningskedjans mekanism som består av unika algoritmer, nätverk och databaser. Ett praktiskt exempel på en decentraliserad applikation baserat på denna struktur ges även.

Political boundaries make watershed planning difficult despite the influence of many state and federal programs. Broad, top-down, watershed initiatives fail to reach many municipalities due to human resources, time and legalities. Thus, a watershed ecosystem based approach to city planning should be utilized in order to integrate a holistic and scientific foundation for land use decisions. However, there is a need for research for developing and applying a watershed approach to urbanizing watersheds. The goal of this study is to provide a series of science based transferable recommendations upon which municipalities can make land use planning decisions. These recommendations are informed by a watershed modeling and prioritization study conducted with the community of Northampton, Massachusetts. Analyses of water resource planning options were made concerning future development scenarios using an approach which links water quality and quantity, land use and government. A required component of the ecosystem approach, stakeholder participation, applied the Deliberative Attribute Prioritization Procedure (DAPP) for the first time in this context to assess the relative of different environmental concerns. The results of these stakeholder focus groups showed the importance of several key attributes including land use, water quality, water quantity, and impacts to neighborhing communities that were utilized in the watershed models. This thesis provides an integrated tool for water resource planning at the municipal level. However, without the effective transfer of these recommendations into existing policies like zoning, the results of the study have limited use. Therefore implementation of recommendations within municipal planning documents is an important component. This information will be utilized to evaluate priority water resource protection overlays by providing quantitative information and decision making within a community. A citywide watershed model and analysis used to guide policy-making and decision-making will assist in fulfilling the community of Northampton’s continuing commitment to work toward economic, environmental, and equitable sustainability, as well as provide a model for other communities.