農業供應鏈金融之安全認證機制

Secure Authentication Scheme for an Agricultural Supply Chain Finance Environment

隨著資訊科技與網際網路的迅速發展，促使金融領域產生許多創新的應用，在此波金融科技衝擊之下，供應鏈金融（Supply Chain Finance, SCF）的興起就是其中之一，為了加強對供應鏈金融發展，各國均積極提出許多相關輔導措施，例如，墨西哥、中國大陸及台灣。相同於製造業與服務業，農業生產亦非常適合以此架構來推動融資平台（Financing Platform），然而目前本國農產業尚未具完整的供應鏈管理系統與交易身分驗證機制，將會形成農業供應鏈金融推動的障礙，因此本研究導入橢圓曲線密碼體制（Elliptic Curve Cryptography, ECC）技術，建構創新應用於農業供應鏈金融平台的認證機制。本方法具有以較短金鑰長度達到相同之安全強度外，另透過電子支付協定，保障金融交易的公平及安全性，除了能提昇融資作業效率外，並能於網路世界（Cyberspace）確保交易訊息及傳輸內容的完整，以營造一個高安全暨有效率的農業電子化供應鏈金融環境。

The rapid development of information technology and popularization of the Internet have driven many innovative applications in the finance sector. The adoption of supply chain finance (SCF) is an example of this new wave of innovations in financial technology. SCF yields a set of solutions that optimizes cash flow by enabling large buyers to lengthen payment terms while providing bank finances to small and medium-sized enterprises, thereby enabling them to receive early payments throughout the leverage connection. To strengthen the development of SCF programs, major national governments have adopted a succession of control measures, such as the Ocean Garden finance program in Mexico, the Alibaba-Suning, the JD.com China-based SCF solutions, and the Hon Hai/Foxconn Technology Group’s SCF platform in Taiwan. According to the model that has revolutionized manufacturing and services, promoting this financing platform for agricultural production is also appropriate. This technology-based platform is an interoperable infrastructure that systematizes the execution of an agricultural SCF process, thereby bringing agricultural financing to agricultural productive cooperatives, farmer households, and financial institutions as an effectively automated financial management solution. Additionally, an online collaborative platform in agricultural SCF must provide a highly secure environment for transaction processing and information sharing between multiple parties. Accordingly, this paper presents a novel scheme that uses elliptic curve cryptography (ECC) features to offer high security and reliable performance and enable the use of innovative financing mechanisms in an agricultural SCF communication platform. By considering malicious activities in cyberspace, we analyzed security scenarios and implemented proper countermeasures against growing cyber threats. Furthermore, our estimation results indicated that the proposed scheme can achieve excellent performance with extremely small parameters. With such an appropriate design, the scheme will likely lead to more effective and efficient safeguards for the agricultural SCF program.