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基于区块链和物联网的智能金融管理系统的优化
1School of Finance, Central University of Finance and Economics, Beijing, 102206, China. 2023310523@email.cufe.edu.cn.
Scientific reports
|July 22, 2025
概括
本研究介绍了技术机构使用区块链和物联网的智能财务管理系统. 基于区块链的智能合约和生物识别多因素身份验证 (BCSC-BMFA) 系统提高了金融流程的安全性,效率和透明度.
科学领域:
- 计算机科学 计算机科学
- 信息技术 信息技术 信息技术
- 金融技术 金融技术
背景情况:
- 技术机构的传统财务管理面临着效率低下,复杂性,不准确性和高成本等挑战.
- 现有系统往往缺乏强大的安全性,实时数据功能和自动化流程管理.
研究的目的:
- 用区块链和物联网为技术机构开发智能财务管理系统.
- 通过新的框架,加强金融操作的安全性,透明度,准确性和效率.
主要方法:
- 实施基于区块链的智能合约和生物识别多因素身份验证 (BCSC-BMFA) 系统.
- 集成区块链分类账用于安全数据存储和物联网传感器 (例如POS,资产跟踪) 进行实时数据捕获.
- 利用智能合约来自动化金融流程.
主要成果:
- 拟议的BCSC-BMFA框架显著提高了财务管理的准确性和效率.
- 该系统显示了运营成本的降低以及透明度和问责制的提高.
- 一项试点研究证实了该系统在现实环境中的性能和有效性.
结论:
- 区块链和物联网技术的整合为金融管理中持续存在的挑战提供了可行的解决方案.
- BCSC-BMFA系统为技术机构的金融业务提供了一个安全,透明和自动化的平台.
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