BLOKCHEYN TEXNOLOGIYASI ASOSIDA MILLIY TO‘LOV TIZIMINI SAMARALI BOSHQARISH MODELI
Keywords:
blokcheyn, to‘lov tizimi, raqamli tranzaksiya, xavfsizlik, markazlashmagan boshqaruv, moliyaviy monitoringAbstract
Ushbu maqolada blokcheyn texnologiyasi asosida milliy to‘lov tizimini samarali boshqarish modeli ishlab chiqilgan. Avvalo, O‘zbekistonda mavjud to‘lov tizimlari infratuzilmasi tahlil qilinib, ularning zaif jihatlari va xavfsizlikdagi kamchiliklari aniqlangan. Blokcheynning markazlashmagan, shaffof va o‘zgartirib bo‘lmaydigan xususiyatlari asosida tranzaksiyalarni real vaqt rejimida kuzatish, autentifikatsiya qilish va tekshirish imkoniyatlari baholangan. Tadqiqot natijasida blokcheynga asoslangan raqamli to‘lov moduli taklif etilgan bo‘lib, u tranzaksiya xarajatlarini kamaytiradi, firibgarlik xavfini pasaytiradi va moliyaviy monitoring samaradorligini oshiradi. Modelning afzalliklari simulyatsiya asosida asoslab berilgan
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