College of Economic and Management, Chongqing Industry Polytechnic College, Chongqing 401120, China.
Comput Intell Neurosci. 2022 Jun 1;2022:2615153. doi: 10.1155/2022/2615153. eCollection 2022.
Decentralization, stability, security, and immutability are all features of blockchain technology. Blockchain, as the underlying technology of Bitcoin's digital monetary system, is currently sweeping the globe. Blockchain is a revolutionary decentralized database technology that employs encryption, a timestamp chain data structure, a distributed consensus mechanism, and other technologies to achieve decentralization, tamper resistance, easy tracking, and programmable smart contracts. In the face of rising financial technology, we must maintain inclusive, technological, and invasive regulatory principles that not only foster financial innovation, but also conduct dynamic supervision to avoid systemic financial hazards. The consensus algorithm is one of the main blockchain technologies that has a direct impact on the system's functioning. As a result, in this paper, we propose a blockchain-based development and supervision method for financial technology, as well as an application of this technology to commercial settlement, which can significantly reduce data complexity, time consumption, and the structural chain phenomenon in existing transaction settlement. We bring the idea of pow competition into DPoS, construct a consensus algorithm with an upgrade mechanism, and call it delegated proof of work, based on an in-depth investigation of the working principle of pow (proof of work) (dDPoS). The blocking efficiency of the dDPoS consensus method is around one block every 10 seconds, which is significantly higher than the blocking efficiency of the POW and POS consensus algorithms. As a result, it offers a potential answer to traditional centralized institutions' concerns of high brokerage costs and insecure central storage, as well as a wide range of application possibilities.
去中心化、稳定性、安全性和不可篡改性是区块链技术的特点。区块链作为比特币数字货币系统的底层技术，正在席卷全球。区块链是一种革命性的去中心化数据库技术，采用加密、时间戳链数据结构、分布式共识机制等技术，实现去中心化、防篡改、易于跟踪和可编程智能合约。面对不断发展的金融科技，我们必须坚持包容、技术和审慎的监管原则，既要促进金融创新，又要进行动态监管，避免系统性金融风险。共识算法是区块链的主要技术之一，直接影响系统的运行。因此，本文提出了一种基于区块链的金融科技开发和监管方法，并将该技术应用于商业结算，可以显著降低现有交易结算中的数据复杂性、时间消耗和结构链现象。我们将 pow 竞争的思想引入 DPoS，构建了一种具有升级机制的共识算法，并将其命名为委托证明工作（dDPoS），对 pow（工作量证明）（dDPoS）的工作原理进行了深入研究。dDPoS 共识方法的出块效率约为每 10 秒一个块，明显高于 POW 和 POS 共识算法的出块效率。因此，它为传统集中式机构对高交易成本和不安全的中央存储的担忧提供了潜在的解决方案，同时也为广泛的应用可能性提供了思路。
