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Real-time co-debt risk management and control system and method based on multi-party security calculation

A technology of management and control system and risk, applied in the field of real-time joint debt risk management and control system, it can solve the problems of different reporting time standards, data quality cannot be guaranteed, data outbound risks, etc., to ensure authenticity, enhance decentralization, and solve problems The effect of data precipitation

Active Publication Date: 2021-06-01
SICHUAN XW BANK CO LTD
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  • Abstract
  • Description
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AI Technical Summary

Problems solved by technology

The PBOC’s multi-head data has problems such as inconsistent reporting time standards by institutions, the multi-party model of the loan assistance platform, which leads to polluted query data, and the minimum granularity of the time dimension is days, etc.
There are more problems in the three-party multi-source data source, such as: high regulatory risk, data quality cannot be guaranteed, and data export risk

Method used

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  • Real-time co-debt risk management and control system and method based on multi-party security calculation

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Embodiment Construction

[0069] A real-time joint debt risk management and control system based on multi-party security computing, which mainly includes two subsystems, one is the query and calculation subsystem, that is, a computing node, and each member deploys one; the other is a coordination subsystem, that is, a coordination node; The former is responsible for initiating queries, negotiating keys, and initiating alarms, while the latter is responsible for relaying and distributing various requests within the alliance; the key negotiation uses the DH algorithm to support the encryption key negotiation between nodes in an unreliable network topology, ensuring Data security for follow-up services and alarm distribution. The nodes are interactively accessed through the Internet. In terms of application framework design, the whole is composed of three modules: coordination node module, computing node module, and inline system module. In order to ensure the privacy and security of information exchange...

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Abstract

The invention relates to the technical field of artificial intelligence and data mining, in particular to a real-time co-debt risk management and control system and method based on multi-party security calculation. According to the real-time co-debt risk management and control system and method based on multi-party security calculation provided by the invention, the system not only technically ensures the data sharing security that core data is not delivered out of a warehouse and the data cannot be tampered, but also promises to carry out trusted transaction under the condition of no third party from the protocol; in addition, a new thought is provided for acquisition of co-debt data among financial institutions from system design, and a new method is provided for pre-loan and in-loan risk management and control of the financial institutions.

Description

technical field [0001] The invention relates to the technical fields of artificial intelligence and data mining, in particular to a real-time joint debt risk management and control system and method based on multi-party security calculations. Background technique [0002] The financial industry is in a position that affects the whole of the national economy, and is related to economic development and social stability. After decades of reform in our country, the financial industry is growing at an unprecedented speed and scale. While Internet finance brings flexible and convenient services to customers, it also brings new challenges to the anti-fraud work of banks. Online credit fraud is increasing day by day, and the scale of using loans to support loans is expanding. After in-depth research, the short-term common debt data source has a more significant effect on financial fraud identification and credit evaluation. [0003] However, there are more or less problems in the ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02H04L9/08H04L9/32H04L29/06H04L29/08
CPCH04L9/0841H04L63/0428H04L63/0421H04L63/08H04L9/0891H04L9/3297H04L2209/56H04L67/568G06Q40/03
Inventor 徐志华王萍贾坤
Owner SICHUAN XW BANK CO LTD
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