区块链技术与支付_区块链技术将如何确保在线支付

区块链技术与支付

Look around at the business climate today and you will find a multitude of fintech startups, including bitcoin exchange ones. This tells us that the financial services industry is ripe for disruption, and the most prominent candidate is blockchain. Blockchain is to banks as the bank account was to cash: much safer. It was considered revolutionary when the banks could take your cash and display it to you as a number on a computer screen that you were guaranteed could be converted to cash, but blockchain will take that one step further.

环顾当今的商业环境，您会发现许多金融科技初创公司，包括比特币交易所 。 这告诉我们，金融服务业已成熟到可以被破坏的地步，最突出的候选人是区块链。 区块链对银行而言就像银行账户对现金一样：安全得多。 当银行可以取走您的现金并在计算机屏幕上以可以保证您可以转换为现金的数字形式向您显示现金时，这被认为是革命性的，但是区块链将更进一步。

Perhaps the biggest benefit to blockchain technology is the security it provides. Everyone remembers what it was first like to shop on the Internet. Nobody would input their credit card information because of the fear of having their information compromised which could cost them serious cash.

区块链技术最大的好处也许就是它提供的安全性。 每个人都记得最初在互联网上购物的感觉。 没有人会输入他们的信用卡信息，因为担心他们的信息会被泄露，这可能会使他们损失大量现金。

The system has advanced, but this is still a possibility. With Paypal there are numerous opportunities for fraud. One example is when a fraudster commits “double spend”. Two payments are made from an account at the same time, and while the merchant thinks they've received money, the fraudster has just transferred it to a separate account and left nothing for the merchant in the base account. By the time it becomes clear what has happened, it is too late.

系统已经先进，但这仍然是可能的。 使用贝宝(Paypal)，有很多欺诈的机会。 一个例子是欺诈者犯下“双花”。 一次可以从一个帐户中进行两笔付款，而商家认为他们已经收到钱了，而欺诈者只是将其转移到了一个单独的帐户中，而基本账户中的商家则一无所有。 等到清楚发生了什么事时，为时已晚。

On the other hand, blockchain is like having a wallet where everyone knows what's in it. The transactions and balances are all public knowledge to everyone on the network. This makes it impossible to manipulate the system by saying you have more money that you do.

另一方面，区块链就像拥有一个钱包，每个人都知道其中有什么。 交易和余额都是网络上每个人的公共知识。 这样就不可能通过说自己有更多钱来操纵系统。

Based on algorithms too complex for the general public, you are essentially guaranteed by mathematics that accounts, or “wallets”, haven't been tampered with. Banks can be hacked or robbed because there is a central storage for either the data or the assets. Blockchain is decentralized, which means a would-be thief would need to tamper with every computer on the entire network at once in order to successfully “steal” from the system. This requires more computing power than is available in the world right now, which should put users' worries to rest.

基于对公众而言过于复杂的算法，您可以从本质上保证算术或“钱包”未被篡改。 银行可以被黑客入侵或抢劫，因为存在用于数据或资产的中央存储。 区块链是去中心化的 ，这意味着潜在的窃贼需要立即篡改整个网络中的每台计算机，才能成功地从系统中“窃取”。 这需要比当今世界上更多的计算能力，这应减轻用户的后顾之忧。

Right now blockchain is in that early phase where only select niches are talking about it, because very few people properly understand it. As it finds a way to make it to the consumer sector without compromising its security, you will find yourself depending on banks and the government a lot less, and blockchain a lot more.

目前，区块链还处于早期阶段，只有少数人在谈论它，因为很少有人正确地理解它。 当它找到一种在不损害其安全性的情况下进入消费行业的方法时，您会发现自己对银行和政府的依赖更少，而对区块链的依赖则更多。

Before I move forward and explain all the other ways blockchain can be applied to make other industries secure, it might help to explain exactly what blockchain means on a granular level. Blockchain is essentially a chronological record of all the accounts on the network and the transactions that occur. Each “block” contains records of transactions and these transactions are put in a specific order, or “chain”. If you know every account's original balance and have records for every transaction that occurred after that, there is no opportunity for fraud to take place.

在我继续前进并解释区块链可以用于确保其他行业安全的所有其他方式之前，它可能有助于在粒度层次上准确地解释区块链的含义。 区块链本质上是网络上所有帐户和发生的交易的时间顺序记录。 每个“块”都包含交易记录，并且这些交易按特定顺序或“链”放置。 如果您知道每个帐户的原始余额并拥有此后发生的每笔交易的记录，那么就没有机会进行欺诈。

Blockchain works to keep records for a specific network, which means that Bitcoin is a network that runs blockchain. Similar to the added trust that comes from dealing with Apple, if you know that a network runs blockchain, you develop a certain level of trust for its security. This added trust doesn't come from trust in the people running the system, it comes from the system itself. The whole added value of blockchain comes from its decentralization.

区块链致力于保存特定网络的记录，这意味着比特币是一个运行区块链的网络。 与通过与Apple交易而获得的增加的信任类似，如果您知道网络运行区块链，则可以为其安全性建立一定程度的信任。 这种增加的信任不是来自对运行系统的人员的信任，而是来自系统本身。 区块链的全部附加价值来自其去中心化。

If you're looking for a concrete prediction about blockchain, here it is: any industry that would normally have to spend time using some sort of 3^rd party verification will likely benefit from or be disrupted by the use of blockchain in the future. Examples include trading, voting, intellectual property, and more.

如果你正在寻找有关blockchain具体的预测，那就是：通常会有任何行业使用某种^第三方验证可能会从中受益，或在将来使用blockchain的被打乱花时间。 例如交易，投票，知识产权等等。

There are three benefits to cutting out the third party middleman: time, trust and money. First, it costs a non-material amount of time to have someone else verify a record or transaction. Then, the more people you have involved in the process, the higher the risk of the system being compromised. Finally, these third parties need to get paid, and that effectively serves as a tax on customers. When you examine all these costs at once it becomes clear that blockchain has a huge addressable market.

淘汰第三方中间人有三个好处：时间，信任和金钱。 首先，让其他人验证记录或交易花费的时间很短。 然后，您参与该过程的人员越多，系统受到破坏的风险就越高。 最后，这些第三方需要获得报酬，这实际上是对客户的一种税收。 当您一次检查所有这些成本时，很明显区块链具有巨大的可寻址市场。

Watching what is happening to the trading industry now is a good indicator for the future of online payments. Over 40 banks around the world are investing significant time and assets to understanding and using blockchain technology in their systems. It is estimated that the ability to remove the middleman from the trading process will save customers billions of dollars that would normally be spent on clearinghouses and other verification methods.

观察贸易行业目前正在发生的情况，可以很好地指示在线支付的未来。 全球40多家银行正在投入大量时间和资产来理解和使用其系统中的区块链技术。 据估计，从交易过程中删除中间商的能力将为客户节省通常在票据交换所和其他验证方法上花费的数十亿美元。

The three major advantages to blockchain are as follows: transactions are immutable, the network is a trustless environment, and there is a distributed fault tolerance.

区块链的三大优势如下：交易是不可变的，网络是不信任的环境，并且具有分布式的容错能力。

Immutability means that the transactions are permanent and irreversible. It is impossible to mess with the records because of the breadth of the network. As a trustless network, no one person, or node, has the ability to make significant changes within the system. Somewhat counterintuitively, by not trusting anyone, you are better able to have faith in the system. Finally, there are so many nodes on the system that are all running the same ledger (record of transactions) that there is no single chokepoint, or point of vulnerability.

不变性意味着交易是永久且不可逆的。 由于网络的广度，不可能破坏记录。 作为一个不信任的网络，任何人或节点都没有能力在系统内进行重大更改。 有点违反直觉的方式，通过不信任任何人，您将能够更好地相信系统。 最后，系统上有这么多节点都在运行同一分类帐(交易记录)，因此没有单个阻塞点或漏洞点。

After hammering down on every reason why blockchain is becoming the best method for securing online payments, you can probably start to see how this is going to change the world. It's almost as if an engineer looked at the banking system, decided he'd had enough with the inefficiencies and designed this system to cut out all the small fees that gouge buyers and sellers on a daily basis. Nearly every industry would benefit from a clearer method of keeping and exchanging records, and there are guaranteed to be applications that haven't been predicted yet.

在弄清楚了为什么区块链成为确保在线支付安全的最佳方法的所有原因之后，您可能会开始看到这将如何改变世界。 就像工程师在研究银行系统一样，认为他对效率低下已经足够了，并设计了该系统以消除每天买卖双方的小额费用。 几乎每个行业都将从更清晰的记录保存和交换方法中受益，并且可以保证某些尚未被预测的应用程序 。

翻译自: https://davidwalsh.name/blockchain-technology-secure-online-payments

区块链技术与支付