Private data processing method based on joint risk control homomorphic encryption

Abstract

The embodiment of the invention discloses a privacy data processing method based on joint risk control homomorphic encryption. The method comprises the following steps: constructing a private key and a public key for homomorphic encryption; performing homomorphic encryption on the to-be-shared privacy data participating in the financial institution by adopting the public key, and performing homomorphic calculation on the to-be-shared privacy data subjected to homomorphic encryption; obtaining a homomorphic calculation result, and decrypting the homomorphic calculation result by using a private key to obtain target data; and according to the target data and the to-be-shared privacy data of the target financial institution, performing joint risk control on the target customer. By adopting the technical scheme of the embodiment of the invention, when the joint risk control is carried out, the homomorphic encryption algorithm is adopted to encrypt the to-be-shared privacy data participating in the financial institution, so that the data is calculated and processed in an encrypted state; the data can be calculated without being decrypted, so that the data can be shared, the privacy of clients can be protected, and data leakage is avoided.

Description

Technical Field

[0001] The embodiments of the present invention relate to the field of data processing technology, and in particular to a privacy data processing method based on joint risk control homomorphic encryption. Background Art

[0002] The specific forms of data circulation mainly include data sharing, data openness and data trading. How to ensure the security of various data circulation is the most concerned topic for data circulation participants including governments, financial institutions, data suppliers and individual citizens. The constraints of laws and regulations make various entities face many uncertain factors and legal risks in data circulation.

[0003] In order to promote data circulation, banks, data service providers and other institutions have carried out a lot of practice in technical fields such as data desensitization, data distortion and data encryption in the actual application process. Joint risk control is an important application scenario of privacy computing in the financial field. In recent years, financial institutions have widely applied big data and artificial intelligence technologies to multi-party joint intelligent risk control scenarios. Generally speaking, the bank side generally includes customer behavior data, credit data and external third-party data, which is difficult to meet the needs of business risk control. In addition, due to the problem of data dispersion between different institutions, data between banking institutions, banks and operators, UnionPay and government data platforms cannot be directly connected. Data such as personal call status and corporate water and gas consumption cannot be directly implemented in banking scenarios, resulting in a series of problems such as information asymmetry, inaccurate risk identification and high financing costs.

[0004] Therefore, how to jointly process the data of all parties under joint risk control is a technical problem that needs to be urgently solved by technical personnel in this field. Summary of the invention

[0005] The embodiments of the present invention provide a privacy data processing method, device, electronic device and storage medium based on joint risk control homomorphic encryption to ensure the privacy security of data and provide a secure cooperation environment for financial institutions to perform joint risk calculation and analysis.

[0006] In a first aspect, an embodiment of the present invention provides a privacy data processing method based on joint risk control homomorphic encryption, including:

[0007] Constructing a private key and a public key for homomorphic encryption; wherein the private key and the public key are constructed by the target financial institution;

[0008] The public key is used to homomorphically encrypt the private data to be shared by the participating financial institutions, and the private data to be shared after homomorphic encryption is homomorphically calculated;

[0009] Obtaining a homomorphic computing result, and decrypting the homomorphic computing result using a private key to obtain target data;

[0010] Based on the target data and the target financial institution's privacy data to be shared, joint risk control is performed on the target customers.

[0011] In a second aspect, an embodiment of the present invention further provides a privacy data processing device based on joint risk control homomorphic encryption, comprising:

[0012] A key generation module, used to construct a private key and a public key for homomorphic encryption; wherein the private key and the public key are constructed by the target financial institution;

[0013] A homomorphic encryption and computing module, used to use the public key to homomorphically encrypt the private data to be shared by the participating financial institutions, and perform homomorphic computing on the homomorphically encrypted private data to be shared;

[0014] A homomorphic decryption module is used to obtain homomorphic computing results and decrypt the homomorphic computing results using a private key to obtain target data;

[0015] The joint risk control module is used to perform joint risk control on the target customers based on the target data and the privacy data to be shared of the target financial institution.

[0016] In a third aspect, an embodiment of the present invention further provides an electronic device, the electronic device comprising:

[0017] one or more processors;

[0018] A storage device for storing one or more programs;

[0019] When the one or more programs are executed by the one or more processors, the one or more processors implement the privacy data processing method based on joint risk control homomorphic encryption as described in any embodiment of the present invention.

[0020] In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium on which a computer program is stored. When the program is executed by a processor, the privacy data processing method based on joint risk control homomorphic encryption as described in any embodiment of the present invention is implemented.

[0021] In a fifth aspect, an embodiment of the present invention further provides a computer program product, including a computer program, which, when executed by a processor, implements a privacy data processing method based on joint risk control homomorphic encryption as described in any embodiment of the present invention.

[0022] The embodiment of the present invention provides a privacy data processing method, device, electronic device and storage medium based on joint risk control homomorphic encryption, by constructing a private key and a public key for homomorphic encryption; using the public key to homomorphically encrypt the privacy data to be shared of participating financial institutions, and sending the encrypted privacy data to be shared to a third-party institution for homomorphic calculation; obtaining the homomorphic calculation result, and using the private key to decrypt the homomorphic calculation result to obtain the target data; based on the target data and the privacy data to be shared of the target financial institution, joint risk control is performed on the target customer. Using the technical solution of the embodiment of the present invention, when performing joint risk control, a homomorphic encryption algorithm is used to encrypt the privacy data to be shared of the participating financial institutions, so that the data is calculated and processed in an encrypted state; calculations can be performed without decrypting the data, which can not only share the data, but also protect the privacy of customers and avoid data leakage. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] Other features, objects and advantages of the present invention will become more apparent by reading the detailed description of non-limiting embodiments made with reference to the following drawings. The drawings are only for the purpose of illustrating preferred embodiments and are not to be considered as limiting the present invention. Also, the same reference symbols are used throughout the drawings to represent the same parts. In the drawings:

[0024] Figure 1 is a flowchart of a privacy data processing method based on joint risk control homomorphic encryption provided in an embodiment of the present invention;

[0025] Figure 2 is a flowchart of another privacy data processing method based on joint risk control homomorphic encryption provided in an embodiment of the present invention;

[0026] Figure 3 Schematic diagram of a comparison between a homomorphic encryption algorithm provided in an embodiment of the present invention and a traditional computing processing method;

[0027] Figure 4 It is a structural schematic diagram of a privacy data processing device based on joint risk control homomorphic encryption provided in an embodiment of the present invention;

[0028] Figure 5 It is a structural schematic diagram of an electronic device provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0029] The present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It is to be understood that the specific embodiments described herein are only used to explain the present invention, rather than to limit the present invention. It should also be noted that, for ease of description, only parts related to the present invention, rather than all structures, are shown in the accompanying drawings.

[0030] Before discussing the exemplary embodiments in more detail, it should be mentioned that some exemplary embodiments are described as processes or methods depicted as flow charts. Although the flow charts describe the operations (or steps) as sequential processes, many of the operations (or steps) therein can be implemented in parallel, concurrently or simultaneously. In addition, the order of the operations can be rearranged. The process can be terminated when its operation is completed, but can also have additional steps not included in the accompanying drawings. The process can correspond to a method, function, procedure, subroutine, subprogram, etc.

[0031] Among them, the acquisition, storage, use and processing of data in the technical solution of this application are in compliance with the relevant provisions of national laws and regulations. It should be noted that in the embodiments of this application, some existing solutions in the industry such as certain software, components or models may be mentioned, which should be considered as exemplary, and their purpose is only to illustrate the feasibility of the implementation of the technical solution of this application, but it does not mean that the applicant has or will necessarily use the solution.

[0032] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the numbers used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein.

[0033] Embodiment 1

[0034] Figure 1 This is a flowchart of a privacy data processing method based on joint risk control homomorphic encryption provided in an embodiment of the present invention. This embodiment is applicable to the case of privacy data processing based on joint risk control homomorphic encryption. The method of this embodiment can be executed by a privacy data processing device based on joint risk control homomorphic encryption, and the device can be implemented in hardware and / or software. The device can be configured in a server for privacy data processing based on joint risk control homomorphic encryption. The method specifically includes the following steps:

[0035] S110. Construct private and public keys for homomorphic encryption.

[0036] Among them, homomorphic encryption can refer to a cryptographic technology based on the computational complexity theory of mathematical problems. The data that has been homomorphically encrypted is processed to obtain an output, and this output is decrypted. The result is the same as the output result obtained by processing the unencrypted original data using the same method.

[0037] Public and private keys can refer to a key pair obtained through a certain algorithm, in which the public key is open to the outside world and the private key is kept by oneself. The key pair obtained through the algorithm can be guaranteed to be unique worldwide. When using a key pair, the public key is used to encrypt data, and the private key must be used to decrypt it.

[0038] Since financial institutions need a lot of private information about enterprises and individuals when conducting risk assessments, data providers participating in joint risk control do not want their private data to be exposed to other financial institutions, and financial institutions do not want risk control rules to be executed in a three-party environment. Therefore, an embodiment of the present invention provides a privacy data processing method based on joint risk control homomorphic encryption, which constructs a private key and a public key for homomorphic encryption through the target financial institution of the data provider, and homomorphically encrypts its own data to protect the security and privacy of the data.

[0039] S120: Use the public key to homomorphically encrypt the private data to be shared by the participating financial institutions, and perform homomorphic calculation on the private data to be shared after homomorphic encryption.

[0040] For example, the target user is going to take out a loan from financial institution A and has already taken out loans from financial institutions B and C. Financial institution A is the target financial institution, and financial institutions B and C are participating financial institutions. The target financial institution needs to obtain the loan amount of the participating financial institutions to perform risk control prediction.

[0041] The target financial institution constructs a private key and a public key for homomorphic encryption. The participating financial institutions use the public key to homomorphically encrypt the private data to be shared, so as to protect the privacy of the private data to be shared and ensure that calculations can still be performed in the encrypted state. Homomorphic encryption allows specific calculations to be performed on encrypted data without decrypting the data. Participating financial institutions can choose to use the Paillier homomorphic encryption scheme, which is an encryption algorithm that satisfies addition and multiplication homomorphism.

[0042] Optionally, it is very important to choose a suitable homomorphic encryption scheme. In addition to the homomorphic encryption scheme based on Paillier, the RSA homomorphic encryption scheme based on the solution of the large prime number problem is also required. For specific needs, choosing the right scheme can ensure the efficiency of calculation and the security of data. The specific homomorphic encryption algorithm is not specifically limited in the embodiments of the present invention.

[0043] S130, obtaining a homomorphic computing result, and using a private key to decrypt the homomorphic computing result to obtain target data.

[0044] Among them, after completing the homomorphic calculation, the homomorphic calculation results are obtained, and the target financial institution can use the private key to decrypt the homomorphic calculation results; only after decryption can the calculation results be viewed. That is, the target financial institution decrypts the homomorphic calculation results, and the data obtained after confidentiality is the total loan amount of the participating financial institutions.

[0045] S140: Conduct joint risk control on the target customer based on the target data and the target financial institution's private data to be shared.

[0046] Among them, joint risk control refers to the process of different financial institutions or related departments joining together to work together to manage and mitigate risks. The purpose is to improve the efficiency and accuracy of risk management by sharing information, resources and expertise. The main contents of joint risk control include data sharing, information exchange and cooperation, joint risk assessment, joint response to risk events, and establishment of a unified risk management framework. Joint risk control can improve the overall risk management level of the financial system and reduce the risks that financial institutions may face. By sharing information, resources and expertise, financial institutions can manage risks more efficiently, thereby reducing the systemic risks of the financial system.

[0047] In the embodiment of the present invention, the target customer is jointly risk-controlled by the target data obtained after decryption and the private data to be shared of the target financial institution. In the embodiment of the present invention, the private data to be shared of the target financial institution may refer to the pre-loan amount. For example, the pre-loan amount of the target financial institution is 1 million, and the target data obtained by decrypting the homomorphic calculation result is 3.8 million; based on the pre-loan amount of the target financial institution and the target data, the target customer is jointly risk-controlled. If the total loan amount of the target financial institution and the participating financial institutions exceeds the preset loan amount, it indicates that the target user does not have a certain repayment ability.

[0048] The embodiment of the present invention provides a privacy data processing method based on joint risk control homomorphic encryption, by constructing a private key and a public key for homomorphic encryption; using the public key to homomorphically encrypt the privacy data to be shared of the participating financial institutions, and performing homomorphic calculations on the homomorphically encrypted privacy data to be shared; obtaining the homomorphic calculation results, and using the private key to decrypt the homomorphic calculation results to obtain the target data; and performing joint risk control on the target customers based on the target data and the privacy data to be shared of the target financial institution. Using the technical solution of the embodiment of the present invention, when performing joint risk control, a homomorphic encryption algorithm is used to encrypt the privacy data to be shared of the participating financial institutions, so that the data is calculated and processed in an encrypted state; calculations can be performed without decrypting the data, which can not only share the data, but also protect the privacy of customers and avoid data leakage.

[0049] Embodiment 2

[0050] Figure 2 The flowchart of a privacy data processing method based on joint risk control homomorphic encryption provided in an embodiment of the present invention. The embodiment of the present invention further optimizes the above embodiment on the basis of the above embodiment, and the embodiment of the present invention can be combined with various optional solutions in one or more of the above embodiments. Figure 2 As shown, the privacy data processing method based on joint risk control homomorphic encryption provided in an embodiment of the present invention may include the following steps:

[0051] S210. Construct private and public keys for homomorphic encryption.

[0052] Among them, take the case where the target user needs to consult a financial institution Bank1 for a loan, and the target user has already taken loans from two other financial institutions Bank2 and Bank3. The three financial institutions keep confidential the customer's personal asset information, the cooperation history of financial services, and the customer's ability to repay the loan. Assuming that the Bank1 financial institution sets the total amount of user loans to exceed 10 million, there is a possibility of not being able to repay, which is called risk, then the preset loan threshold T = 10 million can be set. The loan amounts of the target user in the three-level financial institutions Bank1, Bank2, and Bank3 are m1 = 2.5 million, m2 = 5.2 million, and m3 = 3.3 million, respectively. The loan amounts of the user in the three financial institutions are all private data, and only the financial institutions themselves know it. Now the target financial institution Bank1 wants to know the total amount of loans of the user in other financial institutions, but cannot directly obtain the loan amount. Therefore, an embodiment of the present invention provides a privacy data processing method based on joint risk control homomorphic encryption to obtain the loan amounts of participating financial institutions Bank2 and Bank3.

[0053] As an optional but non-limiting implementation, the construction of a private key and a public key for homomorphic encryption includes but is not limited to steps A1-A4:

[0054] Step A1: Select a first safety parameter and a second safety parameter, determine the product of the first safety parameter and the second safety parameter, and record the product as first data.

[0055] Step A2: Determine the least common multiple of the third safety parameter and the fourth safety parameter, and record the least common multiple as the second data; wherein, the third safety parameter is obtained by subtracting one from the first safety parameter, and the fourth safety parameter is obtained by subtracting one from the second safety parameter.

[0056] Step A3: randomly select a fifth security parameter and calculate a modular inverse element, and record the result of the modular inverse element as the third data.

[0057] Step A4: Encapsulate the first data and the fifth security parameter into a public key, and encapsulate the second data and the third data into a private key.

[0058] Among them, the target financial institution needs to construct private and public keys for homomorphic encryption to encrypt and decrypt the private data to be shared by the participating financial institutions. Generating security parameters and keys is a key step in the homomorphic encryption process. The security parameters determine the security and computational efficiency of the encryption scheme. The key generation phase generates the key pairs required for encryption and decryption, where the private key remains in the hands of the owner of the data, while the public key is securely handed over to the participating financial institutions.

[0059] The target financial institution Bank1 selects the first security parameter p and the second security parameter q, calculates the product n=p*q of p and q, and determines the least common multiple of the third security parameter (p-1) and the fourth security parameter (q-1). The least common multiple calculation method can be expressed as:

[0060] λ=lcm(p-1,q-1)

[0061] Wherein, λ is the second data, and lcm(·) is the least common multiple function.

[0062] Select a fifth security parameter g and calculate the modular inverse element μ; where the function is defined And calculate the modular anti-element μ=L(g λ modn 2 ) -1 modn. Among them,

[0063] In the above process, the target financial institution Bank1 generates a total of 6 numbers: p, q, n, λ, g, μ. n and g are encapsulated into a public key public-key = (n, g), and λ and μ are encapsulated into a private key private-key = (λ, μ).

[0064] S220. Use the public key to homomorphically encrypt the private data to be shared by the participating financial institutions.

[0065] Among them, the public key constructed by the target financial institution is used to perform homomorphic encryption on the private data to be shared by the participating financial institutions to protect the privacy and security of the data of the participating financial institutions.

[0066] As an optional but non-limiting implementation, before using the public key to homomorphically encrypt the private data to be shared by the participating financial institutions, the method further includes:

[0067] Acquire the private data to be shared from participating financial institutions, and pre-process the private data to be shared; wherein the pre-processing includes encoding, format conversion, and normalization of the private data to be shared.

[0068] Among them, each participating financial institution determines the privacy data to be shared, and the privacy data to be shared includes, but is not limited to, customer transaction records, credit ratings, personal information, etc. In order to perform homomorphic encryption, the privacy data to be shared needs to be converted into a specific format required by the algorithm, which may include encoding the data into integers or vectors, and performing data preprocessing and normalization according to the specific requirements of the algorithm.

[0069] After preprocessing the privacy data to be shared, the preprocessed privacy data to be shared is subjected to homomorphic encryption, and the homomorphic encryption is expressed as:

[0070]

[0071] Among them, C i represents the result of homomorphic encryption of the privacy data to be shared of the i-th participating financial institution, m i represents the privacy data to be shared of the i-th participating financial institution; n and g constitute the public key; r is a random number, and 0 < r < n.

[0072] The participating financial institution Bank2 needs to encrypt the loan amount m2. Bank2 receives the public key (n, g) sent by Bank1. Bank2 selects a random number r2 that satisfies 0 < r2 < n; Bank2 calculates the encrypted ciphertext

[0073] The participating financial institution Bank3 needs to encrypt the loan amount m3. Bank3 receives the public key (n, g) sent by Bank1. Bank3 selects a random number r3 that satisfies 0 < r3 < n; Bank3 calculates the encrypted ciphertext

[0074] As an optional but non-limiting implementation manner, the method further includes:

[0075] The participating financial institutions use security protocols and communication mechanisms for privacy data sharing, and the security protocols and communication mechanisms include encrypted communication protocols, secure data transmission, and identity authentication mechanisms.

[0076] Among them, to ensure the secure transmission and protection of encrypted data, the participating financial institutions need to use security protocols and communication mechanisms for data sharing. This may include using encrypted communication protocols (such as SSL / TLS), secure data transmission, and identity authentication mechanisms to ensure data confidentiality, integrity, and identity recognition. Compared with traditional joint risk control methods, all the encryption of the privacy data to be shared in the embodiments of the present invention is processed locally. Therefore, even if data leakage occurs during data transmission, the data cannot be decrypted, greatly improving the security of the data.

[0077] S230: Send the encrypted private data to be shared to a third-party organization for homomorphic computing.

[0078] The encrypted private data to be shared can be shared with other participants, such as other financial institutions; these financial institutions can calculate and analyze the encrypted data without directly accessing the original data. This approach can ensure data privacy and security and avoid direct exposure of sensitive information. In the embodiment of the present invention, the encrypted private data to be shared is sent to a third-party institution for homomorphic computing, which is expressed as:

[0079] C=C i *C i+1 modn 2

[0080] Among them, C represents the result of homomorphic computation, C i+1 Represents the result of homomorphic encryption of the private data to be shared by the i+1th participating financial institution.

[0081] Among them, participating institutions Bank2 and Bank3 use the public key of the target financial institution Bank1 to encrypt their respective loan amounts to obtain ciphertext C2 and C3. C2 and C3 are sent to a third-party institution, which performs the following processing on C2 and C3:

[0082] C=C2*C3modn 2

[0083] Among them, in the process of sharing private data to be shared, most of the calculations are completed locally, and the third-party agency only plays the role of data aggregation and transmission. It does not involve data encryption and decryption operations and private key custody. Therefore, it can reduce the cost of data storage and reduce the cost expenditure of financial institutions.

[0084] S240. Obtain a homomorphic computing result, and use a private key to decrypt the homomorphic computing result to obtain target data.

[0085] The target financial institution obtains the homomorphic computing result and uses the private key to decrypt the homomorphic computing result to obtain the target data.

[0086] As an optional but non-limiting implementation, the obtaining of the homomorphic computing result and the use of a private key to decrypt the homomorphic computing result to obtain the target data include:

[0087] The target financial institution obtains the homomorphic computing result sent by the third-party institution, and uses the private key to decrypt the homomorphic computing result to obtain the target data. The use of the private key to decrypt the homomorphic computing result is expressed as:

[0088] m=L(Cλ modn 2 )*μmodn=m i +m i+1

[0089] Among them, m represents the target data after decryption, L(·) represents the conversion of ciphertext into plaintext, λ and μ constitute the private key, and m i+1 Represents the private data to be shared by the i+1th participating financial institution.

[0090] The target financial institution uses the private key to decrypt the homomorphic computation result sent by the third party institution to obtain the target data. The target financial institution Bank1 uses the private key to calculate m=L(C λ modn 2 )*μmidn=,2+m3.

[0091] Optional, see Figure 3 , the target data obtained by the homomorphic encryption algorithm in the embodiment of the present invention is consistent with the target data value obtained by other calculation methods. Homomorphic encryption allows data to be calculated and processed in an encrypted state without the need to decrypt the data. Therefore, financial institutions can share and process sensitive data while protecting customer privacy and avoiding the risk of data leakage. The method based on homomorphic encryption allows financial institutions to maintain ownership and control of data without transferring the data to a third party or centralized institution; the data remains under the control of the original owner, reducing the risk of data leakage and abuse.

[0092] S250: Conduct joint risk control on the target customer based on the target data and the target financial institution's private data to be shared.

[0093] Among them, the target financial institution Bank1 obtains the total amount of loans from the other two participating financial institutions, which is m2+m3. If the amount is more than T=10 million, it is considered that the risk of this loan is relatively high; if it does not exceed T=10 million, it can be considered that the risk of this loan is relatively low. In this case, m1+m2+m3=m1+m=2.5 million+8.5 million=11 million>T, so the risk of this loan is relatively high.

[0094] In the above process, the target financial institution Bank1 does not know the specific loan amounts of the participating financial institutions Bank2 and Bank3, but only knows the encrypted ciphertext of the loan amounts. By decrypting the ciphertext, the total value of the amount can be obtained. In this way, the purpose of data sharing is achieved without knowing the specific amount.

[0095] The embodiment of the present invention provides a privacy data processing method based on joint risk control homomorphic encryption, which is applied to data processing and data sharing between financial institutions. When the financial institutions in the embodiment of the present invention share joint risk control data, they use a homomorphic encryption algorithm to encrypt the privacy data to be shared, and send the encrypted data to a third-party organization. The third-party organization summarizes the data and then sends it to the target financial institution. During the entire data sharing process, the transmitted data are all encrypted ciphertexts using homomorphic encryption technology. No organization can obtain plaintext privacy data that does not belong to it, thereby achieving the purpose of protecting privacy when sharing data. This method can ensure the privacy security of data and provide a safe cooperation environment for financial institutions to conduct joint risk calculation and analysis.

[0096] Embodiment 3

[0097] Figure 4 This is a schematic diagram of the structure of a privacy data processing device based on joint risk control homomorphic encryption provided in an embodiment of the present invention. The technical solution of this embodiment can be applied to the case of privacy data processing based on joint risk control homomorphic encryption. The device can be implemented by software and / or hardware and is generally integrated on any electronic device with network communication function, including but not limited to: servers, computers, personal digital assistants and other devices. Figure 4 As shown, the privacy data processing device based on joint risk control homomorphic encryption provided in this embodiment may include: a key generation module 410, a homomorphic encryption and calculation module 420, a homomorphic decryption module 430 and a joint risk control module 440; wherein,

[0098] A key generation module 410, for constructing a private key and a public key for homomorphic encryption; wherein the private key and the public key are constructed by a target financial institution;

[0099] A homomorphic encryption and computing module 420, configured to use the public key to homomorphically encrypt the private data to be shared of the participating financial institutions, and perform homomorphic computing on the homomorphically encrypted private data to be shared;

[0100] A homomorphic decryption module 430 is used to obtain a homomorphic computing result and decrypt the homomorphic computing result using a private key to obtain target data;

[0101] The joint risk control module 440 is used to perform joint risk control on the target customer based on the target data and the target financial institution's private data to be shared.

[0102] Based on the above embodiment, optionally, the key generation module is specifically used to:

[0103] Selecting a first safety parameter and a second safety parameter, determining a product of the first safety parameter and the second safety parameter and recording the product as first data;

[0104] Determine the least common multiple of the third safety parameter and the fourth safety parameter, and record the least common multiple as the second data; wherein the third safety parameter is obtained by subtracting one from the first safety parameter, and the fourth safety parameter is obtained by subtracting one from the second safety parameter;

[0105] Randomly select a fifth security parameter and calculate a modular inverse element, and record the result of the modular inverse element as the third data;

[0106] The first data and the fifth security parameter are encapsulated as a public key, and the second data and the third data are encapsulated as a private key.

[0107] Based on the above embodiment, optionally, the device further includes a data preprocessing module, which is specifically used to:

[0108] Acquire the private data to be shared from participating financial institutions, and pre-process the private data to be shared; wherein the pre-processing includes encoding, format conversion, and normalization of the private data to be shared.

[0109] Based on the above embodiment, optionally, the homomorphic encryption and computing module is specifically used for:

[0110] Using the public key to homomorphically encrypt the private data to be shared by the participating financial institutions;

[0111] Send the encrypted private data to be shared to a third-party organization for homomorphic computing;

[0112] The homomorphic encryption of the private data to be shared by the participating financial institutions is expressed as:

[0113]

[0114] Homomorphic computation, expressed as:

[0115] C=C i *C i+1 modn 2

[0116] Among them, C represents the result of homomorphic computation, C i represents the result of homomorphic encryption of the private data to be shared by the i-th participating financial institution, m i represents the private data to be shared by the i-th participating financial institution; n and g constitute the public key; r is a random number, and 0 <r<n。

[0117] Based on the above embodiment, optionally, the homomorphic decryption module is specifically used to:

[0118] The target financial institution obtains the homomorphic computing result sent by the third-party institution, and uses the private key to decrypt the homomorphic computing result to obtain the target data;

[0119] The private key is used to decrypt the homomorphic computation result, which is expressed as:

[0120] m=L(C λ modn 2 )*μmodn=m i +m i+1

[0121] Among them, m represents the target data after decryption, L(·) represents the conversion of ciphertext into plaintext, λ and μ constitute the private key, and m i+1 Represents the private data to be shared by the i+1th participating financial institution.

[0122] Based on the above embodiment, optionally, the device further includes a data security transmission module, which is specifically used to:

[0123] Participating financial institutions use security protocols and communication mechanisms to transmit private data; the security protocols and communication mechanisms include encrypted communication protocols, secure data transmission and identity authentication mechanisms.

[0124] The privacy data processing device based on joint risk control homomorphic encryption provided in the embodiments of the present invention can execute the privacy data processing method based on joint risk control homomorphic encryption provided in any of the above embodiments of the present invention, and has the corresponding functions and beneficial effects of executing the privacy data processing method based on joint risk control homomorphic encryption. For detailed process, please refer to the relevant operations of the privacy data processing method based on joint risk control homomorphic encryption in the above embodiments.

[0125] Embodiment 4

[0126] Figure 5 1 is a schematic diagram of the structure of an electronic device provided in an embodiment of the present invention. The electronic device 10 is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device may also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices (such as helmets, glasses, watches, etc.) and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present invention described and / or required herein.

[0127] like Figure 5As shown, the electronic device 10 includes at least one processor 11, and a memory connected to the at least one processor 11, such as a read-only memory (ROM) 12, a random access memory (RAM) 13, etc., wherein the memory stores a computer program that can be executed by at least one processor, and the processor 11 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 12 or the computer program loaded from the storage unit 18 to the random access memory (RAM) 13. In the RAM 13, various programs and data required for the operation of the electronic device 10 can also be stored. The processor 11, the ROM 12, and the RAM 13 are connected to each other through a bus 14. An input / output (I / O) interface 15 is also connected to the bus 14.

[0128] A number of components in the electronic device 10 are connected to the I / O interface 15, including: an input unit 16, such as a keyboard, a mouse, etc.; an output unit 17, such as various types of displays, speakers, etc.; a storage unit 18, such as a disk, an optical disk, etc.; and a communication unit 19, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information / data with other devices through a computer network such as the Internet and / or various telecommunication networks.

[0129] The processor 11 may be a variety of general and / or special processing components with processing and computing capabilities. Some examples of the processor 11 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various special artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, a digital signal processor (DSP), and any appropriate processor, controller, microcontroller, etc. The processor 11 executes the various methods and processes described above, such as the privacy data processing method based on joint risk control homomorphic encryption.

[0130] In some embodiments, the privacy data processing method based on joint risk control homomorphic encryption can be implemented as a computer program, which is tangibly contained in a computer-readable storage medium, such as a storage unit 18. In some embodiments, part or all of the computer program can be loaded and / or installed on the electronic device 10 via the ROM 12 and / or the communication unit 19. When the computer program is loaded into the RAM 13 and executed by the processor 11, one or more steps of the privacy data processing method based on joint risk control homomorphic encryption described above can be performed. Alternatively, in other embodiments, the processor 11 can be configured to execute the privacy data processing method based on joint risk control homomorphic encryption in any other appropriate manner (for example, by means of firmware).

[0131] Various implementations of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various implementations can include: being implemented in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0132] Computer programs for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, so that when the computer program is executed by the processor, the functions / operations specified in the flow chart and / or block diagram are implemented. The computer program may be executed entirely on the machine, partially on the machine, partially on the machine and partially on a remote machine as a stand-alone software package, or entirely on a remote machine or server.

[0133] In the context of the present invention, a computer-readable storage medium may be a tangible medium that may contain or store a computer program for use by or in conjunction with an instruction execution system, device, or equipment. A computer-readable storage medium may include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices, or equipment, or any suitable combination of the foregoing. Alternatively, a computer-readable storage medium may be a machine-readable signal medium. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0134] To provide interaction with a user, the systems and techniques described herein may be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and a pointing device (e.g., a mouse or trackball) through which the user can provide input to the electronic device. Other types of devices may also be used to provide interaction with the user; for example, the feedback provided to the user may be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form (including acoustic input, voice input, or tactile input).

[0135] The systems and techniques described herein may be implemented in a computing system that includes backend components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes frontend components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such backend components, middleware components, or frontend components. The components of the system may be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), a blockchain network, and the Internet.

[0136] A computing system may include a client and a server. The client and the server are generally remote from each other and usually interact through a communication network. The client and server relationship is generated by computer programs running on the corresponding computers and having a client-server relationship with each other. The server may be a cloud server, also known as a cloud computing server or cloud host, which is a host product in the cloud computing service system to solve the defects of difficult management and weak business scalability in traditional physical hosts and VPS services.

[0137] Embodiment 5

[0138] An embodiment of the present invention also provides a computer program product, including a computer program, which, when executed by a processor, implements a privacy data processing method based on joint risk control homomorphic encryption as provided in any embodiment of the present application.

[0139] In the process of implementation, the computer program product can be written in one or more programming languages ​​or a combination thereof to perform the computer program code of the present invention, including object-oriented programming languages, such as Java, Smalltalk, C++, and conventional procedural programming languages, such as "C" language or similar programming languages. The program code can be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer can be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computer (for example, using an Internet service provider to connect through the Internet).

[0140] It should be understood that the various forms of processes shown above can be used to reorder, add or delete steps. For example, the steps described in the present invention can be executed in parallel, sequentially or in different orders, as long as the desired results of the technical solution of the present invention can be achieved, and this document does not limit this.

[0141] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions can be made according to design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A privacy data processing method based on joint risk control homomorphic encryption, characterized in that: The method comprises: Constructing a private key and a public key for homomorphic encryption; wherein the private key and the public key are constructed by the target financial institution; The public key is used to homomorphically encrypt the private data to be shared by the participating financial institutions, and the private data to be shared after homomorphic encryption is homomorphically calculated; Obtaining a homomorphic computing result, and decrypting the homomorphic computing result using a private key to obtain target data; Based on the target data and the target financial institution's privacy data to be shared, joint risk control is performed on the target customers.

2. The method according to claim 1, characterized in that The construction of a private key and a public key for homomorphic encryption includes: Selecting a first safety parameter and a second safety parameter, determining a product of the first safety parameter and the second safety parameter and recording the product as first data; Determine the least common multiple of the third safety parameter and the fourth safety parameter, and record the least common multiple as the second data; wherein the third safety parameter is obtained by subtracting one from the first safety parameter, and the fourth safety parameter is obtained by subtracting one from the second safety parameter; Randomly select a fifth security parameter and calculate a modular inverse element, and record the result of the modular inverse element as the third data; The first data and the fifth security parameter are encapsulated as a public key, and the second data and the third data are encapsulated as a private key.

3. The method according to claim 1, characterized in that Before using the public key to homomorphically encrypt the private data to be shared by the participating financial institutions, the method further includes: Acquire the private data to be shared from participating financial institutions, and pre-process the private data to be shared; wherein the pre-processing includes encoding, format conversion, and normalization of the private data to be shared.

4. The method according to claim 1, characterized in that: The method of using the public key to homomorphically encrypt the private data to be shared by the participating financial institutions, and performing homomorphic calculation on the private data to be shared after homomorphic encryption, includes: Using the public key to homomorphically encrypt the private data to be shared by the participating financial institutions; Send the encrypted private data to be shared to a third-party organization for homomorphic computing; The homomorphic encryption of the private data to be shared by the participating financial institutions is expressed as: The homomorphic computation is expressed as: C=C i *C i+1 modern 2 Among them, C represents the result of homomorphic computation, C i represents the result of homomorphic encryption of the private data to be shared by the i-th participating financial institution, m i represents the private data to be shared by the i-th participating financial institution; n and g constitute the public key; r is a random number, and 0 <r<n。 5. The method according to claim 1, characterized in that: The obtaining of the homomorphic computing result and decrypting the homomorphic computing result with a private key to obtain the target data includes: The target financial institution obtains the homomorphic computing result sent by the third-party institution, and uses the private key to decrypt the homomorphic computing result to obtain the target data; The private key is used to decrypt the homomorphic computation result, which is expressed as: m=L(C λ modern 2 )*μmodn=m i +m i+1 Among them, m represents the target data after decryption, L(·) represents the conversion of ciphertext into plaintext, λ and μ constitute the private key, and m i+1 Represents the private data to be shared by the i+1th participating financial institution.

6. The method according to claim 1, characterized in that The method further comprises: Participating financial institutions use secure protocols and communication mechanisms to share private data, including encrypted communication protocols, secure data transmission and identity authentication mechanisms.

7. A privacy data processing device based on joint risk control homomorphic encryption, characterized in that: The device comprises: A key generation module, used to construct a private key and a public key for homomorphic encryption; wherein the private key and the public key are constructed by the target financial institution; A homomorphic encryption and computing module, used to use the public key to homomorphically encrypt the private data to be shared by the participating financial institutions, and perform homomorphic computing on the homomorphically encrypted private data to be shared; A homomorphic decryption module is used to obtain homomorphic computing results and decrypt the homomorphic computing results using a private key to obtain target data; The joint risk control module is used to perform joint risk control on the target customers based on the target data and the privacy data to be shared of the target financial institution.

8. An electronic device, characterized in that: include: one or more processors; A storage device for storing one or more programs; When the one or more programs are executed by the one or more processors, the one or more processors implement the privacy data processing method based on joint risk control homomorphic encryption as described in any one of claims 1-6.

9. A storage medium containing computer executable instructions, characterized in that: The computer executable instructions, when executed by a computer processor, are used to execute the privacy data processing method based on joint risk control homomorphic encryption as described in any one of claims 1-6.

10. A computer program product, comprising a computer program, which, when executed by a processor, implements the privacy data processing method based on joint risk control homomorphic encryption according to any one of claims 1-6.

Images