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参考资料与出处:1) NIST SP 800-63-3, 2017, Digital Identity Guidelines. 2) FIDO Alliance 与相关白皮书。 3) ISO/IEC 27001:2013, 信息安全管理体系。 4) IMF, 2022, Fintech and the Future of Money. 5) BIS, 2021, Central Bank Digital Currencies: foundational principles and design choices. 6) IEEE Xplore, 202


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