Method and system for joint prevention and control of fraud risk among financial institutions based on privacy computing, and platform

Abstract

The application provides a method and system for joint defense and control of money laundering risk among financial institutions based on privacy computing. The method for joint defense and control of money laundering risk among financial institutions based on privacy computing comprises: a first financial institution receiving a cross-bank transfer transaction from a second financial institution; when the cross-bank transfer transaction has a preset risk feature, sending encrypted cooperative investigation request information to a privacy computing platform through a standard API interface; the privacy computing platform generates a cooperative event ID and sends the cooperative event ID and the cooperative investigation request information to the second financial institution; the second financial institution performs risk verification processing and sends the processing result to the privacy computing platform after encryption; and the first financial institution receives the processing result from the privacy computing platform and disposes according to the processing result according to a preset strategy. Through the technical solution of the application, a standardized, encrypted and traceable cooperative mechanism can be constructed to realize cross-institution suspicious transaction verification, safe processing and improve the anti-money laundering capability.

Description

Technical Field

[0001] This application relates to the field of data processing technology, and more specifically, to a method, system, and platform for joint prevention and control of fraud risks among financial institutions based on privacy computing. Background Technology

[0002] As online fraud methods become increasingly sophisticated, fraudulent funds are often rapidly transferred through interbank transfers and multiple accounts. Traditional anti-fraud systems primarily rely on internal bank data for risk identification, which has significant limitations: Severe information silos: The lack of efficient and compliant information sharing mechanisms between financial institutions makes it difficult to grasp the entire flow of funds, leading to delays in identifying cross-institutional coordinated fraud. Low risk response timeliness: When a bank discovers a suspicious incoming transaction, it cannot promptly initiate an investigation with the bank that initiated the transaction, relying on manual or non-standardized communication processes, resulting in low efficiency. High privacy and compliance risks: Directly sharing sensitive information such as customer accounts and transaction details violates relevant laws and regulations, posing significant compliance risks. Lack of a unified collaborative mechanism: Currently, there is no standardized, automated, and auditable cross-institutional anti-fraud joint prevention mechanism in the industry, leading to fragmented overall prevention capabilities. Summary of the Invention

[0003] This application aims to solve or improve the aforementioned technical problems.

[0004] Therefore, the primary objective of this application is to provide a method for joint prevention and control of fraud risks among financial institutions based on privacy computing.

[0005] The second objective of this application is to provide a joint prevention and control system for fraud risks among financial institutions based on privacy computing.

[0006] The third objective of this application is to provide a joint prevention and control platform for fraud risks among financial institutions based on privacy computing.

[0007] To achieve the first objective of this application, the technical solution of the first aspect of this application provides a method for joint prevention and control of fraud risks among financial institutions based on privacy computing, comprising: a first financial institution receiving an interbank transfer transaction from a second financial institution, and determining whether the interbank transfer transaction has preset risk characteristics according to preset risk rules and / or preset risk models; when the interbank transfer transaction has preset risk characteristics, the first financial institution automatically marks the interbank transfer transaction and sends the investigation request information to the privacy computing platform through a standard API interface after encryption; the privacy computing platform verifies the legality of the request based on the investigation request information, generates a collaborative event ID through a collaborative event management engine, and sends the collaborative event ID and the investigation request information to the second financial institution; the second financial institution performs risk verification processing based on the collaborative event ID and the investigation request information, and sends the encrypted processing result to the privacy computing platform within a preset time; the first financial institution receives the processing result from the privacy computing platform and handles it according to a preset strategy based on the processing result.

[0008] According to the privacy-based computation-based inter-financial fraud risk joint prevention and control method provided in this application, when the first financial institution receives an interbank transfer transaction from the second financial institution, it first determines whether the interbank transfer transaction has preset risk characteristics based on preset risk rules or preset risk models. If the interbank transfer transaction has preset risk characteristics, the first financial institution automatically marks the interbank transfer transaction and sends the encrypted investigation request information to the privacy-based computation platform via a standard API interface. The privacy-based computation platform verifies the legality of the request based on the investigation request information, generates a collaborative event ID through the collaborative event management engine, and sends the collaborative event ID and the investigation request information to the second financial institution. Then, the second financial institution performs risk verification processing based on the collaborative event ID and the investigation request information, and sends the encrypted processing result to the privacy-based computation platform within a preset time. Finally, the first financial institution receives the processing result from the privacy-based computation platform and handles the matter according to the preset strategy. By applying privacy-preserving computing technology to financial anti-fraud scenarios, it enables secure sharing of risk information across institutions. Through cross-institutional information collaboration, it breaks down data silos, significantly improving the coverage and accuracy of identifying cross-bank fraud. It achieves minute-level assistance requests and feedback for suspicious transactions, enhancing response timeliness. By adopting the principles of encryption, platform relay, and minimum necessity, it ensures that sensitive information is usable but not visible, guaranteeing data privacy compliance. Based on a unified interface specification, it supports rapid access by financial institutions and has good industry promotion value.

[0009] In some technical solutions, optionally, the assistance request information is encrypted and sent to the privacy computing platform through a standard API interface, including: encrypting the assistance request information through an encryption module; desensitizing the assistance request information through a data exposure minimization model; and sending the assistance request information to the privacy computing platform through a standard API interface.

[0010] In this technical solution, the assistance request information is encrypted and sent to the privacy computing platform via a standard API interface. Specifically, the assistance request information is first encrypted using an encryption module. Then, a data exposure minimization model is used to anonymize the information, ensuring encrypted transmission and data usability without visibility. Finally, the assistance request information is sent to the privacy computing platform via the standard API interface. This standard API interface is used for unified information formatting and secure transmission between institutions. Based on a unified interface specification, it supports rapid access by financial institutions and has significant industry promotion value.

[0011] In some technical solutions, the information in the assistance request may optionally include the payment financial institution code, transaction channel, inter-institutional transaction serial number, assistance deadline, remarks, and the requesting financial institution code.

[0012] In this technical solution, the information for the assistance request includes the payment financial institution code, transaction channel, cross-institutional transaction serial number, assistance deadline, remarks, and the financial institution code of the requesting party.

[0013] Optionally, in some technical solutions, the method for joint prevention and control of fraud risks among financial institutions based on privacy computing also includes: storing logs on the privacy computing platform.

[0014] In this technical solution, the joint prevention and control method for fraud risks among financial institutions based on privacy computing also includes storing logs on the privacy computing platform. It can be understood that all operations are logged on the privacy computing platform, which supports post-event auditing and regulatory inspection.

[0015] In some technical solutions, logs may optionally be stored on a privacy computing platform, including: recording the entire process log from the initiation of the investigation, routing, feedback to handling through the privacy computing platform.

[0016] In this technical solution, logs are stored on a privacy computing platform. The privacy computing platform records the entire process log from the initiation of the investigation, routing, feedback to handling, so as to provide verifiable technical evidence for auditing and regulatory verification.

[0017] In some technical solutions, the preset risk characteristics may optionally include one or a combination of the following: the receiving account receiving payments across regions for the first time, abnormal transaction time, abnormal transaction amount, and abnormal transaction frequency.

[0018] In this technical solution, the preset risk characteristics include the first time the receiving account receives payments across regions, abnormal transaction time, abnormal transaction amount, or abnormal transaction frequency.

[0019] In some technical solutions, optionally, the second financial institution performs risk verification processing based on the collaborative event ID and the investigation request information, including: the second financial institution performs risk verification processing by matching local transaction records with transaction channels and cross-institutional transaction serial numbers based on the collaborative event ID and the investigation request information.

[0020] In this technical solution, the second financial institution conducts risk verification based on the collaborative event ID and the assistance request information. Specifically, the second financial institution matches local transaction records with transaction channels and cross-institutional transaction serial numbers based on the collaborative event ID and the assistance request information to conduct risk verification. Specifically, after receiving the information, the second financial institution matches local transaction records with transaction channels and cross-institutional transaction serial numbers to retrieve sensitive information such as the customer's name and contact information, which is then verified by anti-fraud personnel via telephone. After verification is completed within a specified time, the processing opinion is recorded and the processing result is encrypted and sent back to the privacy computing platform.

[0021] In some technical solutions, the privacy computing platform may optionally include an audit interface for real-time monitoring and post-audit of the investigation process.

[0022] In this technical solution, the privacy computing platform has an audit interface that can be opened to regulatory agencies, thereby supporting regulatory agencies to conduct real-time monitoring and post-event auditing of the investigation process.

[0023] To achieve the second objective of this application, the technical solution of the second aspect of this application provides a joint prevention and control system for fraud risks among financial institutions based on privacy computing, comprising: an assessment module, used by a first financial institution to receive interbank transfer transactions from a second financial institution and determine whether the interbank transfer transactions have preset risk characteristics according to preset risk rules and / or preset risk models; a first sending module, used by the first financial institution to automatically mark the interbank transfer transactions when they have preset risk characteristics, and to send the investigation request information to the privacy computing platform through a standard API interface after encryption; a second sending module, used by the privacy computing platform to verify the legality of the investigation request information, generate a collaborative event ID through a collaborative event management engine, and send the collaborative event ID and the investigation request information to the second financial institution; a third sending module, used by the second financial institution to perform risk verification processing based on the collaborative event ID and the investigation request information, and to send the encrypted processing result to the privacy computing platform within a preset time; and a receiving module, used by the first financial institution to receive the processing result from the privacy computing platform and to handle it according to a preset strategy based on the processing result.

[0024] The inter-financial fraud risk prevention and control system based on privacy computing provided in this application includes an assessment module, a first sending module, a second sending module, a third sending module, and a receiving module. The assessment module is used by the first financial institution to receive interbank transfer transactions from the second financial institution and determine whether the interbank transfer transaction possesses preset risk characteristics based on preset risk rules and / or preset risk models. The first sending module is used by the first financial institution to automatically mark the interbank transfer transaction when it possesses preset risk characteristics, and to send the encrypted investigation request information to the privacy computing platform via a standard API interface. The second sending module is used by the privacy computing platform to verify the legality of the investigation request information, generate a collaborative event ID through a collaborative event management engine, and send the collaborative event ID and the investigation request information to the second financial institution. The third sending module is used by the second financial institution to perform risk verification processing based on the collaborative event ID and the investigation request information, and to send the encrypted processing result to the privacy computing platform within a preset time. The receiving module is used by the first financial institution to receive the processing result from the privacy computing platform and to handle it according to a preset strategy. By applying privacy-preserving computing technology to financial anti-fraud scenarios, it enables secure sharing of risk information across institutions. Through cross-institutional information collaboration, it breaks down data silos, significantly improving the coverage and accuracy of identifying cross-bank fraud. It achieves minute-level assistance requests and feedback for suspicious transactions, enhancing response timeliness. By adopting the principles of encryption, platform relay, and minimum necessity, it ensures that sensitive information is usable but not visible, guaranteeing data privacy compliance. Based on a unified interface specification, it supports rapid access by financial institutions and has good industry promotion value.

[0025] To achieve the third objective of this application, the technical solution of the third aspect of this application provides a joint prevention and control platform for fraud risks among financial institutions based on privacy computing, comprising: a memory and a processor, wherein the memory stores a program or instructions that can be executed on the processor, and when the processor executes the program or instructions, it implements the joint prevention and control method for fraud risks among financial institutions based on privacy computing according to any one of the technical solutions of the first aspect, and thus has the technical effects of any one of the technical solutions of the first aspect, which will not be elaborated here.

[0026] Additional aspects and advantages of this application will become apparent in the following description or may be learned by practice of this application. Attached Figure Description

[0027] The above and / or additional aspects and advantages of this application will become apparent and readily understood from the description of the embodiments taken in conjunction with the following drawings, in which:

[0028] Figure 1 This is a flowchart illustrating the steps of a privacy-based computing-based method for joint prevention and control of fraud risks among financial institutions, according to one embodiment of this application.

[0029] Figure 2 This is a flowchart illustrating the steps of a privacy-based computing-based method for joint prevention and control of fraud risks among financial institutions, according to one embodiment of this application.

[0030] Figure 3 This is a flowchart illustrating the steps of a privacy-based computing-based method for joint prevention and control of fraud risks among financial institutions, according to one embodiment of this application.

[0031] Figure 4 This is a flowchart illustrating the steps of a privacy-based computing-based method for joint prevention and control of fraud risks among financial institutions, according to one embodiment of this application.

[0032] Figure 5 This is a flowchart illustrating the steps of a privacy-based computing-based method for joint prevention and control of fraud risks among financial institutions, according to one embodiment of this application.

[0033] Figure 6 This is a schematic block diagram of a privacy-based computing-based inter-financial fraud risk prevention and control system according to an embodiment of this application.

[0034] Figure 7 This is a schematic block diagram of a privacy-based computing-based inter-financial fraud risk prevention and control platform according to an embodiment of this application.

[0035] Figure 8 This is a flowchart illustrating the collaborative verification of suspicious transactions in a privacy-based computing-based inter-financial fraud risk prevention and control method, as an embodiment of this application.

[0036] in, Figure 6 and Figure 7 The correspondence between the reference numerals and component names in the attached drawings is as follows:

[0037] 10: Inter-financial financial institution fraud risk prevention and control system based on privacy computing; 110: Assessment module; 120: First sending module; 130: Second sending module; 140: Third sending module; 150: Receiving module; 20: Inter-financial financial institution fraud risk prevention and control platform based on privacy computing; 300: Memory; 400: Processor. Detailed Implementation

[0038] To better understand the above-mentioned objectives, features, and advantages of this application, the application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be noted that, unless otherwise specified, the embodiments and features described in these embodiments can be combined with each other.

[0039] Many specific details are set forth in the following description in order to provide a full understanding of this application. However, this application may also be implemented in other ways different from those described herein. Therefore, the scope of protection of this application is not limited to the specific embodiments disclosed below.

[0040] The following reference Figures 1 to 8 This application describes a method, system, and platform for joint prevention and control of fraud risks among financial institutions based on privacy computing, according to some embodiments of this application.

[0041] like Figure 1 As shown, an embodiment of the first aspect of this application provides a method for joint prevention and control of fraud risks among financial institutions based on privacy computing, including the following steps:

[0042] Step S102: The first financial institution receives the interbank transfer transaction from the second financial institution and determines whether the interbank transfer transaction has preset risk characteristics based on preset risk rules and / or preset risk models;

[0043] Step S104: When an interbank transfer transaction has preset risk characteristics, the first financial institution automatically marks the interbank transfer transaction and sends the investigation request information to the privacy computing platform through a standard API interface after encryption.

[0044] Step S106: The privacy computing platform verifies the legality of the request based on the information in the assistance request, generates a collaborative event ID through the collaborative event management engine, and sends the collaborative event ID and the assistance request information to the second financial institution;

[0045] Step S108: The second financial institution performs risk verification based on the collaborative event ID and the assistance request information, and sends the encrypted processing result to the privacy computing platform within a preset time.

[0046] Step S110: The first financial institution receives the processing result from the privacy computing platform and handles it according to the preset strategy based on the processing result.

[0047] According to the privacy-based computation-based inter-financial fraud risk joint prevention and control method provided in this embodiment, when the first financial institution receives an interbank transfer transaction from the second financial institution, it first determines whether the interbank transfer transaction has preset risk characteristics based on preset risk rules or preset risk models. If the interbank transfer transaction has preset risk characteristics, the first financial institution automatically marks the interbank transfer transaction and sends the investigation request information, after encryption, to the privacy-based computation platform via a standard API interface. The privacy-based computation platform verifies the legality of the request based on the investigation request information, generates a collaborative event ID through the collaborative event management engine, and sends the collaborative event ID and the investigation request information to the second financial institution. Then, the second financial institution performs risk verification processing based on the collaborative event ID and the investigation request information, and sends the encrypted processing result to the privacy-based computation platform within a preset time. Finally, the first financial institution receives the processing result from the privacy-based computation platform and handles the matter according to a preset strategy. By applying privacy-preserving computing technology to financial anti-fraud scenarios, it enables secure sharing of risk information across institutions. Through cross-institutional information collaboration, it breaks down data silos, significantly improving the coverage and accuracy of identifying cross-bank fraud. It achieves minute-level assistance requests and feedback for suspicious transactions, enhancing response timeliness. By adopting the principles of encryption, platform relay, and minimum necessity, it ensures that sensitive information is usable but not visible, guaranteeing data privacy compliance. Based on a unified interface specification, it supports rapid access by financial institutions and has good industry promotion value.

[0048] like Figure 2 As shown, according to an embodiment of the privacy-based computation-based joint prevention and control method for fraud risks among financial institutions, the method involves encrypting the assistance request information and sending it to the privacy-based computation platform via a standard API interface, including the following steps:

[0049] Step S202: Encrypt the assistance request information using the encryption module;

[0050] Step S204: Desensitize the information in the assistance request by minimizing the data exposure model;

[0051] Step S206: Send the investigation request information to the privacy computing platform through the standard API interface.

[0052] In this embodiment, the assistance request information is encrypted and sent to the privacy computing platform via a standard API interface. Specifically, the assistance request information is first encrypted using an encryption module. Then, a data exposure minimization model is used to anonymize the information, ensuring encrypted transmission and data usability without visibility. Finally, the assistance request information is sent to the privacy computing platform via the standard API interface. The standard API interface is used for unified information formatting and secure transmission between institutions. Based on a unified interface specification, it supports rapid access by financial institutions and has significant industry promotion value.

[0053] In some embodiments, the assistance request information may optionally include the payment financial institution code, transaction channel, inter-institutional transaction serial number, assistance deadline, remarks, and the requesting party's financial institution code.

[0054] like Figure 3 As shown, a method for joint prevention and control of fraud risks among financial institutions based on privacy computing, according to an embodiment of this application, further includes the following steps:

[0055] Step S302: Retain logs on the privacy computing platform.

[0056] In this embodiment, the method for joint prevention and control of fraud risks among financial institutions based on privacy computing also includes storing logs on the privacy computing platform. It is understood that all operations are logged on the privacy computing platform, which supports post-event auditing and regulatory inspection.

[0057] like Figure 4 As shown, in some embodiments, logs may optionally be stored on the privacy computing platform, including:

[0058] Step S402: Record the entire process log from initiation of the investigation, routing, feedback to handling through the privacy computing platform.

[0059] In this embodiment, logs are stored on the privacy computing platform. The privacy computing platform records the entire process log from the initiation of the investigation, routing, feedback to handling, so as to provide verifiable technical evidence for auditing and regulatory verification.

[0060] In some embodiments, the preset risk characteristics may optionally include the first cross-regional receipt of funds by the receiving account, abnormal transaction time, abnormal transaction amount, or abnormal transaction frequency.

[0061] like Figure 5 As shown, according to an embodiment of the privacy-preserving computation-based inter-financial fraud risk joint prevention and control method proposed in this application, the second financial institution performs risk verification processing based on the collaborative event ID and the assistance request information, specifically including the following steps:

[0062] Step S502: The second financial institution, based on the collaborative event ID and the assistance request information, matches local transaction records with transaction channels and cross-institutional transaction serial numbers to conduct risk verification.

[0063] In this embodiment, the second financial institution performs risk verification based on the collaborative event ID and the assistance request information. Specifically, the second financial institution matches local transaction records with transaction channels and cross-institutional transaction serial numbers based on the collaborative event ID and the assistance request information to perform risk verification. Specifically, after receiving the information, the second financial institution matches local transaction records with transaction channels and cross-institutional transaction serial numbers to retrieve sensitive information such as the customer's name and contact information, which is then verified by anti-fraud personnel via telephone. After verification is completed within a specified time, the processing opinion is recorded and the processing result is encrypted and sent back to the privacy computing platform.

[0064] In some embodiments, the privacy computing platform may optionally include an audit interface that can be opened to regulatory agencies, thereby enabling regulatory agencies to monitor and audit the investigation process in real time and afterward.

[0065] like Figure 6 As shown, an embodiment of the second aspect of this application provides a joint prevention and control system 10 for fraud risks among financial institutions based on privacy computing, comprising: an assessment module 110, used by a first financial institution to receive an interbank transfer transaction from a second financial institution and determine whether the interbank transfer transaction has preset risk characteristics according to preset risk rules and / or preset risk models; a first sending module 120, used by the first financial institution to automatically mark the interbank transfer transaction when it has preset risk characteristics, and send the investigation request information to the privacy computing platform through a standard API interface after encryption; a second sending module 130, used by the privacy computing platform to verify the legality of the request according to the investigation request information, generate a collaborative event ID through a collaborative event management engine, and send the collaborative event ID and the investigation request information to the second financial institution; a third sending module 140, used by the second financial institution to perform risk verification processing according to the collaborative event ID and the investigation request information, and send the encrypted processing result to the privacy computing platform within a preset time; and a receiving module 150, used by the first financial institution to receive the processing result from the privacy computing platform and handle it according to a preset strategy based on the processing result.

[0066] The inter-financial fraud risk joint prevention and control system 10 based on privacy computing provided in this embodiment includes an assessment module 110, a first sending module 120, a second sending module 130, a third sending module 140, and a receiving module 150. The assessment module 110 is used by the first financial institution to receive interbank transfer transactions from the second financial institution and determine whether the interbank transfer transaction has preset risk characteristics based on preset risk rules and / or preset risk models. The first sending module 120 is used by the first financial institution to automatically mark the interbank transfer transaction when it has preset risk characteristics, and to send the encrypted investigation request information to the privacy computing platform via a standard API interface. The second sending module 130 is used by the privacy computing platform to verify the legality of the investigation request information, generate a collaborative event ID through a collaborative event management engine, and send the collaborative event ID and the investigation request information to the second financial institution. The third sending module 140 is used by the second financial institution to perform risk verification processing based on the collaborative event ID and the investigation request information, and to send the encrypted processing result to the privacy computing platform within a preset time. The receiving module 150 is used by the first financial institution to receive the processing results from the privacy computing platform and to handle them according to preset strategies. By applying privacy computing technology to financial anti-fraud scenarios, it enables secure sharing of risk information across institutions. Through cross-institutional information collaboration, it breaks down data silos, significantly improves the coverage and accuracy of identifying cross-bank fraud, achieves minute-level assistance requests and feedback for suspicious transactions, enhances response timeliness, and adopts the principles of encryption, platform relay, and minimum necessity to ensure that sensitive information is usable but not visible, guaranteeing data privacy compliance. Based on a unified interface specification, it supports rapid access by financial institutions and has good industry promotion value.

[0067] like Figure 7 As shown, an embodiment of the third aspect of this application provides a privacy-based computing-based inter-financial fraud risk joint prevention and control platform 20, including: a memory 300 and a processor 400, wherein the memory 300 stores a program or instructions that can be run on the processor 400, and when the processor 400 executes the program or instructions, it implements the steps of the privacy-based computing-based inter-financial fraud risk joint prevention and control method of any one of the embodiments of the first aspect, and thus has the technical effects of any embodiment of the first aspect, which will not be repeated here.

[0068] An embodiment of the fourth aspect of this application provides a readable storage medium storing a program or instructions thereon. When the program or instructions are executed by a processor, they implement the steps of the privacy-based computing-based inter-financial fraud risk joint prevention and control method in any of the embodiments of the first aspect, and thus have the technical effects of any of the embodiments of the first aspect, which will not be repeated here.

[0069] like Figure 8As shown, according to a specific embodiment of the privacy-based computing-based joint prevention and control method for fraud risks among financial institutions, this application constructs a standardized, encrypted, and traceable collaborative mechanism to achieve cross-institutional suspicious transaction verification and secure processing, thereby enhancing the overall anti-fraud capabilities of the industry.

[0070] To enable secure exchange of fraud risk information between financial institutions without disclosing original sensitive data;

[0071] Establish a real-time cross-bank suspicious transaction investigation mechanism to improve the accuracy and timeliness of risk identification;

[0072] It meets the compliance requirements of financial regulation and data privacy protection, and supports full-process traceability and auditing.

[0073] Specifically, this embodiment provides a method for joint prevention and control of fraud risks among financial institutions based on privacy computing, including:

[0074] Multiple participating financial institutions (Bank A, Bank B, etc.);

[0075] The privacy computing platform for the financial industry, acting as a neutral third party, is responsible for event routing, encrypted transmission, identity authentication, and log recording.

[0076] A standardized API interface module is used for the unified formatting and secure transmission of information between organizations;

[0077] The collaborative event management engine is used to generate unique collaborative event IDs, set processing time limits, and track feedback status.

[0078] The encryption module and data are desensitized to ensure encrypted transmission and that the data is "usable but not visible".

[0079] Methods for investigating suspicious transactions:

[0080] Risk identification trigger: When Bank A receives an interbank transfer from a customer of Bank B, its internal anti-fraud system determines that the incoming funds have suspicious characteristics based on preset rules or models (such as the first time the receiving account has received funds from another region, abnormal transaction time, etc.), and automatically marks it as "potential fraudulent funds inflow" and initiates the investigation process.

[0081] Encrypted Information Push: Bank A will encrypt the following key information and push it to the privacy computing platform via a standard API interface:

[0082] Payment financial institution code;

[0083] Transaction channels;

[0084] Cross-institutional transaction serial number;

[0085] Deadline for assistance in the investigation;

[0086] Notes and explanations;

[0087] The code of the requesting financial institution;

[0088] Platform routing and distribution: After receiving an encrypted request for assistance, the privacy computing platform verifies the request's legitimacy, generates a collaborative event ID, and forwards this ID along with the encrypted request to the designated bank B system. This process ensures that the request reaches the target bank accurately while maintaining information security.

[0089] Implementation and Feedback: After receiving the information, Bank B's system matches local transaction records with transaction channels and cross-institutional transaction serial numbers to retrieve sensitive information such as the customer's name and contact information (for internal use only). Anti-fraud personnel then verify this information by phone. Upon completion of verification within the specified time, the system records the processing opinion and encrypts the processing result (e.g., "fraudulent," "suspicious," "no risk," or "other remarks") before sending it back to the privacy computing platform.

[0090] Results Forwarding and Handling: The platform will forward the feedback results to Bank A in real time. Bank A, based on its own judgment, will decide on subsequent handling measures, such as restricting account functions, reporting suspicious transactions, or cooperating with the police investigation. If no response is received within the investigation deadline, the platform will handle the matter independently according to the pre-set strategy.

[0091] Full-process traceability: All operations are logged on the privacy computing platform, supporting post-event auditing and regulatory inspection.

[0092] It pioneered a "privacy computing + anti-fraud joint prevention" integrated mechanism: applying privacy computing technology to financial anti-fraud scenarios to achieve secure sharing of risk information across institutions;

[0093] Establish a standardized closed-loop process for collaborative investigations: Propose a fully automated mechanism for the entire chain of "initiation—push—verification—feedback—disposal," filling a gap in the industry;

[0094] Design a model that minimizes data exposure: transmit only necessary fields and anonymize sensitive information, balancing efficiency and compliance.

[0095] In summary, the beneficial effects of the embodiments of this application are as follows:

[0096] 1. Enhance risk identification capabilities: By collaborating across institutions and breaking down data silos, the coverage and accuracy of identifying cross-bank fraud can be significantly improved.

[0097] 2. Enhanced response timeliness: Enables minute-level requests for assistance and feedback on suspicious transactions, improving efficiency by more than 90% compared to traditional manual methods.

[0098] 3. Ensure data privacy compliance: Adopt the principles of encryption, platform transit, and minimum necessity to ensure that sensitive information is "usable but not visible", which complies with national data security and personal information protection regulations.

[0099] 4. Strong standardization and scalability: Based on a unified interface specification, it supports rapid access by financial institutions nationwide and has good industry promotion value.

[0100] 5. Support for regulatory collaboration: The platform can open its audit interface to regulatory agencies, helping to build a three-in-one anti-fraud governance system of "regulatory agency-platform".

[0101] In this application, the terms "first," "second," and "third" are used for descriptive purposes only and should not be construed as indicating or implying relative importance; the term "multiple" refers to two or more unless otherwise expressly defined. The terms "install," "connect," "link," and "fix" should be interpreted broadly. For example, "connect" can mean a fixed connection, a detachable connection, or an integral connection; "link" can mean a direct connection or an indirect connection through an intermediate medium. Those skilled in the art can understand the specific meaning of the above terms in this application based on the specific circumstances.

[0102] In the description of this application, it should be understood that the terms "upper", "lower", "front", "rear", etc., indicate the orientation or positional relationship based on the orientation or positional relationship shown in the accompanying drawings. They are only for the convenience of describing this application and simplifying the description, and do not indicate or imply that the device or module referred to must have a specific orientation or be constructed and operated in a specific orientation. Therefore, they should not be construed as limitations on this application.

[0103] In the description of this specification, the terms "one embodiment," "some embodiments," "specific embodiment," etc., refer to a specific feature, structure, material, or characteristic described in connection with that embodiment or example, which is included in at least one embodiment or example of this application. In this specification, the illustrative expressions of the above terms do not necessarily refer to the same embodiment or example. Furthermore, the specific features, structures, materials, or characteristics described may be combined in any suitable manner in one or more embodiments or examples.

[0104] The above are merely preferred embodiments of this application and are not intended to limit this application. Various modifications and variations can be made to this application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this application should be included within the protection scope of this application.

Claims

1. A method for joint prevention and control of fraud risks among financial institutions based on privacy-preserving computing, characterized in that, include: The first financial institution receives an interbank transfer transaction from the second financial institution and determines whether the interbank transfer transaction has preset risk characteristics based on preset risk rules and / or preset risk models. When the interbank transfer transaction has preset risk characteristics, the first financial institution automatically marks the interbank transfer transaction and sends the investigation request information to the privacy computing platform through a standard API interface after encryption; The privacy computing platform verifies the legitimacy of the request based on the assistance request information, generates a collaborative event ID through the collaborative event management engine, and sends the collaborative event ID and the assistance request information to the second financial institution. The second financial institution performs risk verification based on the collaborative event ID and the investigation request information, and sends the encrypted processing result to the privacy computing platform within a preset time. The first financial institution receives the processing result from the privacy computing platform and processes it according to a preset strategy based on the processing result; The step of encrypting the investigation request information and sending it to the privacy computing platform via a standard API interface includes: The request for assistance is encrypted using an encryption module. The information regarding the request for assistance in the investigation is anonymized by minimizing the data exposure model. The request for assistance is sent to the privacy computing platform via the standard API interface; If no response is received within the deadline for assistance, proceed according to the pre-set strategy.

2. The method for joint prevention and control of fraud risks among financial institutions based on privacy computing as described in claim 1, characterized in that, The information in the assistance request includes the payment financial institution code, transaction channel, inter-institutional transaction serial number, investigation deadline, remarks, and the requesting financial institution code.

3. The method for joint prevention and control of fraud risks among financial institutions based on privacy computing as described in claim 1, characterized in that, Also includes: Logs are stored on the privacy computing platform.

4. The method for joint prevention and control of fraud risks among financial institutions based on privacy computing as described in claim 1, characterized in that, The logs stored on the privacy computing platform include: The privacy computing platform records the entire process log from initiation of the investigation, routing, feedback to handling.

5. The method for joint prevention and control of fraud risks among financial institutions based on privacy computing according to any one of claims 1 to 4, characterized in that, The preset risk characteristics include one or a combination of the following: the receiving account receiving payments across regions for the first time, abnormal transaction time, abnormal transaction amount, and abnormal transaction frequency.

6. The method for joint prevention and control of fraud risks among financial institutions based on privacy computing according to any one of claims 1 to 4, characterized in that, The second financial institution performs risk verification processing based on the collaborative event ID and the assistance request information, including: The second financial institution, based on the collaborative event ID and the assistance request information, matches local transaction records with transaction channels and cross-institutional transaction serial numbers to conduct risk verification.

7. The method for joint prevention and control of fraud risks among financial institutions based on privacy computing according to any one of claims 1 to 4, characterized in that, The privacy computing platform is equipped with an audit interface, which is used to monitor the investigation process in real time and conduct post-investigation audits.

8. A joint prevention and control system for fraud risks among financial institutions based on privacy computing, characterized in that, include: The assessment module is used by the first financial institution to receive interbank transfer transactions from the second financial institution and to determine whether the interbank transfer transactions have preset risk characteristics based on preset risk rules and / or preset risk models. The first sending module is used to automatically mark the interbank transfer transaction when the interbank transfer transaction has preset risk characteristics, and send the investigation request information to the privacy computing platform through a standard API interface after encryption; The second sending module is used by the privacy computing platform to verify the legality of the request based on the assistance request information, generate a collaborative event ID through the collaborative event management engine, and send the collaborative event ID and the assistance request information to the second financial institution. The third sending module is used by the second financial institution to perform risk verification processing based on the collaborative event ID and the investigation request information, and to encrypt the processing result and send it to the privacy computing platform within a preset time. The receiving module is used for the first financial institution to receive the processing results from the privacy computing platform and to process the results according to a preset strategy. The step of encrypting the investigation request information and sending it to the privacy computing platform via a standard API interface includes: The request for assistance is encrypted using an encryption module. The information regarding the request for assistance in the investigation is anonymized by minimizing the data exposure model. The request for assistance is sent to the privacy computing platform via the standard API interface; If no response is received within the deadline for assistance, proceed according to the pre-set strategy.

9. A joint prevention and control platform for fraud risks among financial institutions based on privacy computing, characterized in that, include: A memory and a processor, wherein the memory stores a program or instructions executable on the processor, and the processor executes the program or instructions to implement the steps of the privacy-based computing-based inter-financial fraud risk joint prevention and control method as described in any one of claims 1 to 7.

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