以智能合約實現同儕借貸支付之研究

支付及借貸無時無刻存在我們的生活當中，而網路的興起使得借貸及支付的需求容易被解決，即是點對點借貸及第三方支付等交易方式，這些支付模式對於使用者來說十分便利，但也有著許多風險，如：過度中心化、資訊不對稱與資訊安全等問題。　　因此本研究將探討第三方支付及點對點借貸模型之缺陷，利用區塊鏈資訊透明、不可篡改、不可否認、可溯源的特性，透過智能合約程式的自動執行、模擬狀態的型態來進行流程管理，加上任何人皆需使用自己的地址透過錢包進行合約的操作與執行來進行權限管理，以及合約內定義函式可隨時間點依序執行等特點；將以上所述之智能合約特性與現有的點對點借貸及第三方支付流程整合，實作出一交易數位商品之借貸支付智能合約模型，並於以太坊區塊鏈中的Ropsten測試鏈環境部署並操作智能合約，以虛擬三方利害關係人模擬此去中心化的交易模式。　　實驗結果驗證了此智能合約模型的可行性，參與此模型之利害關係人所進行的操作不需要第三方或仲裁者來介入交易流程，所有執行之結果皆會成為一筆交易紀錄永久存於區塊鏈網路中，且無法竄改；因此本研究模型對現有借貸及支付等交易模式的監管有一定程度上的改善。

關鍵字

區塊鏈；智能合約；去中心化支付；點對點借貸

並列摘要

Payments and lending exist in our lives all the time, and the rise of the Internet makes the demand for payment and lending easy to solve, that is, peer-to-peer lending and third-party payment. These payment models are very convenient for users, but there are also many risks, such as centralization, information asymmetry and information security. Therefore, this study will discuss the shortcomings of third-party payment and peer-to-peer lending models, and using blockchain technology and smart contract to integrate peer-to-peer lending and third-party payment models. Implementing a smart contract model for trading digital goods. Then deploying and executing smart contract in the Ropsten testnet for simulating this model with virtual three-party stakeholders. The result verifies the feasibility of this model. The operations of the stakeholders involved do not require third parties or arbiters to intervene in all transaction process. And the results of all executions will become a transaction record permanently in the blockchain and never been tampered .Therefore, this research model has some improvement on the supervision of existing lending and payment transaction models. Keyword:Blockchain, Smart Contract, Decentralized Payment, Peer-to-Peer Lending