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文件名称: 智能合约12个案例
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  上传时间: 2019-01-12
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 详细说明:智能合约12个案例分享。通过对智能合约在12个案例的实践,总结出智能合约的应用之道。Table of contents Foreword by Nick Szabo Acknowledgments 347 Overview Smart Contract Use cases 14 Digital Identity 57 ecords Securities 9 Trade finance Derivatives 23 Financial Data recording 25 Mortgages 27 Land Title Recording Supply chain Auto insurance Clinical trials 35 Cancer research 7 Legal and regulatory Smart Contracts: 12 Use Cases for Business Beyond Chamber of Digital Commerce 2 Foreword by nick szabo It is exciting to see my vision for smart contracts, that I conceived over 20 years ago, blossom into so many different and creative directions. Evolution toward smart contracts would be inevitable even if the concept did not exist. Financial companies have, since I first explored these ideas in the 1990s, already implemented what are effectively smart contracts without using that phrase As much as smart phones are more functional than traditional phones, which in turn are in many ways more functional than messages written on paper, smart contracts can be more functional than their inanimate paper-based ancestors. Smart contracts can automate many different kinds of processes and operations, most obviously payment and actions conditional on payment. For example, making control of collateral dependent on whether a debtor has chosen to pay a loan on time-the fundamental logic here is automating"if-this-then-that on a self-executing basis with finality The humble vending machine is the original form of a smart contract. At its core a vending machine is a security mechanism: the amount in the till should be less than the cost of breaching the lill. Additionally, the machinery reflects the nature of the deal: it computes and dispenses change as well as the customers choice of product today the most secure environments for smart contracts are the most mature public blockchains, which are designed for trust minimization instead of trusting the often private and insecure system found resident with a central party Many of the smart contracts proposed or described in this paper, or elsewhere, are meant to operate between large institutions, or between institutions and their customers The smart contract goes beyond enterprise business solutions- in fact my personal favorite and most exciting type of smart contract is constructed in peer-Lo-peer environments, from simple natural language by individuals to operate between individuals. This movie will get even more exciting when machine-to-machine adoption takes shape at the intersection of blockchain, artificial intelligence and the internet of Things Smart contracts involve objectively verifiable performances, or performances that can be automated such as cash flows. As a result, financial contracts, broadly and creatively defined, present obvious opportunities. Smart contracts can reduce the costs of people having to calculate complicated outcomes, and thereby make possible new kinds of contracts that werent possible before. Contracts-for-difference, are an example where software very rapidly and continually adjusts balances and can dispense cash flows based on frequently updated market prices Smart contracts-by minimizing the need to trust a counterparty, a third party, or a foreign legal system-can also reduce counterparty risk and expand credit and other contracting opportunities through such trust-shifting technology Blockchain technology appears very much to be the jet fuel necessary for smart contracts to become commonplace in business transactions and beyond. It is a delight to be part of a community committed to fostering the tenants of open source cooperation, privacy and sccurity, education in tcchnology and working for a common social good Acknowledgements The Chamber of Digital Commerce would like to thank the following individuals and organizations for their hought leadership, oversight and support to the Smart Contracts Alliance, and the production of this white paper Smart Contracts Alliance Leadership lEwis cohen John jacobs Matthew roszak Partner Executive director Co-Founder& Chairman, Bloq logan Lovells LLP Georgetown University Center for Chairman, Chamber of digita Financial markets and Policy Commerce Alan cohn Caitlin long Mark smith Df Counser President and chairman Co-Founder& ceo Steptoe &Johnson LLp Symbiont Symbiont Ronald smith Jerry cuomo Joseph lubin partner IBM Fellow and vP of Founder Norton Rose Fulbright Blockchain Technologies Consen Svs IBM Jeff garzik Sean Murphy Margo tank Co-Founder& ceo Partner Buckleysandler LLP Bloq Norton rose Fulbright Marley gray James newsome ph.D Lata varghese Assistant vice president, Blockchain Principal program Manager, Founding partner Azure Blockchain engineering Delta Strategy group Consulting Practice leader Cognizant Microsoft Eric piscina Mark Wetjen J. Dax hansen Global fsi Blockchain leader Global Heud of Public Policy Partn Deloitte Depository Trust clearing Perkins coie llp Corporation Thomas hardiono Jim regan Micah Winkelspecht Chief Technology Officer President ceo Founder& ceo MT Connection science Digital Federal Credit Union(DCU) GEM Smart Contracts: 12 Use Cases for Business Beyond Chamber of Digital Commerce4 Acknowledgements The Chamber of Digital Commerce would also like to thank the following individuals and organizations for their valuable contributions to the Smart Contracts Alliance, and the production of this white paper Subject matter experts Bertrand alexis Rouen heck Michael ross Product Lead- Digital Identity President Harvard Law school Paragon Public Relations LLC Edgard Alvarez Christine Ing Sue ross Senior counsel logan Lovells LLP Blake, Cassels Graydon LLP Norton Rose Fulbright Griffin Anderson Jordan kruger Ira j. schaefer Head of blockchain Accounting Data scientist ConsenT Hogan Lovells LLP James J. Angel, Ph.D. Mark ladd Michael sena Associate Professor, Georgetown University Center for VP, /ndustry Regulatory Afair Financial Markets and policy Simplifide Marc aronson Christian lundqvist Jacqueline shinfield President ceo Decentralization Pennsylvania Association of notaries onse Blake, Cas sels Graydon LLP Judd bagley Scott mehlman Michael sinclair Director of Communication Overstock.com&incom Orbits.io Norton Rose Fulbright Brian blaha Thessy mehran Dana Syracuse ix Product strategy Wipli LLP Perkins Coie LLP Preston Byrne Jerry l. miller Manish tomer coo d general counse Director. Bilockchuin Consultin Wipfli lLP Michael chodos Theodore Mlynar C. Richard Triola General Counsel, Senior VP Hogan Lovells llp Notary Cam Inc. Tom Ding Jennifer peve R. David whitaker Co-Founder&e cEO Co-head Office of Fin Tech Strategy String lab Depository Trust& Clearing Corporation Buckleysandler LLP Harry Gardner Carla reves Emily vaughn Doculech egies Bruce R. Jacobs Visiting Assistant Professor of law Head of Accounts Stetson University College ofLaw Gemm Rashi goyal Yorke rhodes Michael limits Manager. Blockchain Consulting Global Business strategist/ Blockchain identity President coo cognizant microsoft eUIs.U Acknowledgements The Chamber of Digital Commerce would like to acknowledge the following individuals from deloitte for their contributions to the production of this white paper Deloitte Team Mayank singhal Prakash santhana Senior consultant Director Deloitte Consulting llp Deloitte Transactions Business Analytics LLP abhishek biswas Soumak Chatterjee Senior manager Senior manager Deloitte touche lLp Deloitte Canada Joan Cheney Sachin Jade Senior manager Specialist leader Deloitte& touche LLp Deloitte touche LLp Sean Cremins Chashak Tulsyan Business Technology analyst Business Technology analyst Deloitte Consulting LLp Deloitte Consulting LLP Chamber Leadership Perianne boring Jason brett Dan Spuller Founder and president Director of operations Director of member services Chamber of digital Chamber of Digital Chamberof Digital Commerce Commerce amerce Kevin Batten Ralph benko Chase freeman Chief policy advisor Senior Policy advisor Blockchain associate Chamber of digital Chamber of digital Chamber of Digital Commerce Commerce Commerce Smart Contracts: 12 Use Cases for Business Beyond Chamber of Digital Commerce 6 Overview What Are smart Contracts? In 1996, Nick Szabo describcd a smart contract as a sct of promises, spccificd in digital form, including protocols within which the parties perform on these promises. While the technology available to support smart contracts has evolved considerably since then, this definition continues to capture the essence of what a smart contract is and docs Taking each element of Szabo's definition in turn a set of promises specified in digital form Depending on the model of smart contract a smart contract operates electronically deployed(scc pagc 9: What are the different It consists of lines of code as well as the software models for smart contracts?), such promises may be contractual or non-contractual that prescribes its conditions and outcomes They may consist of contractual terms and/or Contractual clauses and/or functional outcomes are embedded as code within software rulcs-bascd opcrations designcd to carry out business logic protocols within which the parties perform A computer protocol in the form of an algorithm The idea of automated performance is at the heart constitutes a set of rules for how each party of a smart contract hould process data in relation to a smart contract Driven in part by the technology that typically Technology-enabled, rules-based operations hosts a smart contract(that is, blockchain enable actions to be performed, such as the technology), smart contracts are traditionally release of payment regarded as irrevocable Once initiated the outcomes for which a smart contract is encoded to perform cannot typically be stopped (unless an outcome depends on an unmet condition) Smart Contracts: 12 USe Cases for Business Beyond Chamber of Digital Commerce 8 Smart Contract models What are the different models for smart contracts? It is a common misconception that there is only one type of smart contract there is a spectrum of possibilities Smart Contracts Lie on a Spectrum Contract in code with Split " natural language Natural language contract Contract entirely in code separate natural language contract with encoded with encoded payment version performance mechanism Encoding Natural language Automation Other permutations are, of course, possible and are likely to emerge as smart contract applications develop The rolc of codc The legal status of smart contracts is dealt with elsewhere in this white paper For now, it is sufficient to note that smart contracts that seek to encode the entirety of a natural language contract (a" code is the contract model)are very challenging from a legal perspective. The model puts into question an issue potentially relevant for all smart contracts: has a legally binding contract formed?
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