以區塊鏈技術建立具有履約保證機制的遞延性商品（服務）平台：以補教業為例

Using Blockchain Technology to Establish a Deferred Commodity (Service) Platform with a Performance Guarantee Mechanism: Take the Supplementary Education Industry as an Example

壽大衛(Da-Wei Shou) ； 吳善婷(Shan-Ting Wu)

《資訊安全通訊》 27卷2期 (2021/05) Pp. 1-22

摘要

遞延性商品（服務）由消費者先預付費用才獲得服務。為避免業者惡性倒閉，行政院明訂所有販售遞延性商品（服務）的業者於合約中須聲明履約保證機制；該類業者申請銀行刷卡提供消費者分期服務也須在銀行質押。這將導致業者須提撥兩筆資金才能合法開業及提供刷卡服務。本研究應用區塊鏈技術，在業者不須質押的前提下，建立具有履約保證機制的遞延性商品（服務）交易平台。該解決方案於銀行建構聯盟區塊鏈，將消費者支付的費用透過電子錢包支付並託管在銀行，於業者提供服務後由銀行按交易約定分段撥款給業者；如業者未依約對消費者履行服務，銀行可終止撥款並將剩餘費用返還給消費者。本研究套用補教業場景，建構模型以從技術上展示該平台的運作模式，打造更具安全性、公信力及合法的交易平台。

關鍵字

區塊鏈 ； 遞延性商品 ； 履約保證 ； 補教業 ； 補習班

並列摘要

Deferred commodity (services) are prepaid by consumers before they get the service. In order to avoid business bankruptcy, the Executive Yuan stipulates that all businesses selling deferred commodity (services) must declare a performance guarantee mechanism in their contracts; such businesses must also pledge in the bank when they apply for bank card swiping to provide consumer installment services. In this way, businesses got to pledge two funds to legally start business and provide credit card services. We uses blockchain technology to establish a deferred commodity (service) trading platform with a performance guarantee mechanism under the premise that the industry does not need to pledge. The solution builds an federated blockchain in the banks, and pays the fees paid by consumers through e-wallets and escrows them in the bank. After the industry provides services, the bank allocates funds to the industry in stages according to the transaction agreement. If the industry fails to perform services to consumers in accordance with the contract, the bank may terminate the allocation and return the remaining fees to the consumers. This study applies the scene of the supplementary education industry, constructs a model to technically demonstrate the operation mode of the platform, and creates a more secure and credible trading platform.

並列關鍵字

Blockchain ； Deferred Commodities ； Performance Guarantee ； Supplementary Education Industry ； Cram School

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