A risk management method and system

Abstract

This invention relates to the field of information technology and discloses a risk governance method and system applied to a governance platform. The method includes: acquiring a risk governance proposal and configuring multiple governance roles for the risk governance proposal, with different governance roles corresponding to different decision-making permissions; receiving a voting request sent by a terminal device, the voting request including voting instruction data and anonymous credentials of the voting participants; verifying whether the voting participants belong to a governance role based on the anonymous credentials, and recording the voting results corresponding to the voting instruction data according to the governance role after successful verification; aggregating and parsing the voting results of different governance roles according to preset decision rules to generate the final governance decision of the risk governance proposal; and sending the final governance decision to the terminal device and storing it in the ledger of the governance platform. This invention makes voting behavior traceable and effectively overcomes the technical obstacle of not being able to achieve both anonymity and traceability in an environment where multiple stakeholders do not trust each other.

Description

Technical Field

[0001] This invention relates to the field of information technology, and specifically to a risk management method and system. Background Technology

[0002] Current risk governance decisions typically employ centralized decision-making models or traditional voting mechanisms. Centralized models, where a single decision-making entity dominates key aspects such as risk identification, response formulation, and budget allocation, require a high degree of trust from all participants. Furthermore, the cognitive limitations and incomplete information of a single entity can easily lead to decision-making biases. Traditional voting mechanisms often employ one-person-one-vote or simple majority principles, failing to assign differentiated weights based on the legal responsibilities and powers of governance roles, thus hindering the effective reflection of the interests of multiple parties. Simultaneously, while traditional anonymous voting systems can protect voters' identities, they cannot effectively trace voting behavior, weakening governance accountability; and while real-name voting offers traceability, it carries the risk of exposing voters' identities.

[0003] In recent years, most blockchain governance solutions have adopted token-weighted voting mechanisms. These mechanisms lack semantic modeling for risk governance scenarios, an architecture that segments voting channels according to governance roles, and economic constraints on voting behavior. Consequently, they struggle to simultaneously meet the technical requirements of voter anonymity, traceability of behavior, and differentiated decision-making authority allocation based on role, without requiring a unified trust foundation. Therefore, constructing a risk governance decision-making mechanism that balances voter anonymity, traceability of behavior, and differentiated authority allocation based on role among multiple stakeholders has become a pressing technical challenge. Summary of the Invention

[0004] This invention provides a risk governance method and system to address the problems of voter anonymity, traceability of voting behavior, and differentiated allocation of decision-making authority in an environment where multiple stakeholders distrust each other.

[0005] In a first aspect, the present invention provides a risk governance method applied to a governance platform, the method comprising: Obtain risk governance proposals and configure multiple governance roles for them, with different governance roles corresponding to different decision-making permissions; Receive voting requests sent by terminal devices. The voting requests include voting instruction data and anonymous credentials of the voting participants. Based on anonymous credentials, the system verifies whether the voting participants belong to a governance role, and after successful verification, records the voting results corresponding to the voting instruction data according to the governance role. Based on preset decision-making rules, the voting results of different governance roles are aggregated and analyzed to generate the final governance decision of the risk governance proposal; The final governance decision is sent to the terminal device and stored in the ledger of the governance platform.

[0006] This invention provides a risk governance method that assigns multiple governance roles with different decision-making permissions to risk governance proposals, matching the decision-making weight of each stakeholder with their governance role and achieving differentiated allocation of decision-making permissions based on role. Voting participants participate in voting using anonymous credentials, completing the voting behavior without revealing their real identities, thus ensuring the anonymity of voters. At the same time, voting requests, voting results, and final governance decisions are all recorded in the governance platform's ledger, making the voting behavior traceable. This effectively overcomes the technical obstacle of not being able to simultaneously achieve anonymity and traceability in an environment where multiple stakeholders do not trust each other.

[0007] In one alternative implementation, the governance role includes at least one or a combination of the following: funding role, risk-bearing role, and governance oversight role; Assign multiple governance roles to risk governance proposals, including: Based on the proposal type and scope of impact of the risk governance proposal, the governance role associated with the risk governance proposal is dynamically selected from a predefined set of roles.

[0008] In the above technical solution, the governance role associated with the risk governance proposal and its corresponding decision-making authority weight are dynamically selected from a predefined set of roles based on the proposal type and scope of impact of the risk governance proposal. This ensures that the configuration of governance roles matches the actual needs of the risk governance proposal, avoids the problem of inaccurate authority allocation caused by a fixed set of roles, and improves the pertinence and accuracy of risk governance decisions.

[0009] In one optional implementation, verifying whether the voting participant belongs to a governance role based on anonymous credentials includes: Parse the role verification field in the anonymous credential and verify whether the role verification field matches one of the governance roles configured in the risk governance proposal; Check if there are any voting records submitted by voting participants for the governance role in the governance platform's ledger. If so, reject the current voting request.

[0010] In the above technical solution, by parsing the role verification field in the anonymous credential and matching and verifying it with the governance role configured for the risk governance proposal, it is ensured that the voting participants have valid voting qualifications for the proposal. At the same time, by querying whether there is already a voting record of the voting participant for the governance role in the governance platform ledger, the current voting request is rejected if a historical record exists, thus ensuring the uniqueness of voting behavior under each governance role and preventing duplicate voting from interfering with the decision-making results.

[0011] In one alternative implementation, the voting request includes multiple sub-voting data corresponding to multiple voting categories, the voting categories including at least one of the following: risk effectiveness voting, budget rationality voting, and governance compliance voting; Record the voting results corresponding to the voting instructions according to the governance role, including: Establish multiple independent voting channels for the same risk governance proposal, with each voting channel corresponding to a different voting category; The sub-voting data corresponding to different voting categories are recorded in their respective voting channels.

[0012] In the above technical solution, multiple independent voting channels are established within the same risk governance proposal. Each voting channel corresponds to different voting categories such as risk effectiveness voting, budget rationality voting, and governance compliance voting. Sub-voting data submitted by voting participants for different voting categories are recorded in the corresponding voting channels, ensuring that the voting results of different voting categories are isolated from each other and do not affect each other. This avoids statistical bias caused by the mixing of decision data from different dimensions under a single voting channel, thereby improving the accuracy and credibility of risk governance decisions.

[0013] In one alternative implementation, the method further includes: Calculate the margin constraint values ​​associated with each governance role based on the potential impact of the risk governance proposal; Send a deposit payment request to the terminal device and receive payment confirmation information returned by the terminal device; After the voting participants pay the deposit, their voting rights will be granted. When violations are detected among voting participants, penalties will be imposed on the security deposit.

[0014] In the above technical solution, the margin constraint value associated with each governance role is calculated based on the potential impact of the risk governance proposal, and the payment of the margin is used as a prerequisite for opening voting rights. When it is detected that a voting participant has violated regulations such as submitting false information, maliciously obstructing the decision-making process, or failing to act without a legitimate reason, the margin is penalized. This introduces an economic constraint mechanism into the risk governance decision-making process and effectively suppresses the motivation of voting participants to violate regulations.

[0015] In one optional implementation, the preset decision rules include: a multi-role weighting rule and a fallback default rule. The multi-role weighting rule assigns preset weights to each governance role, and the fallback default rule assigns a default voting result to each governance role when it does not actively vote. Based on preset decision-making rules, the voting results of different governance roles are aggregated and analyzed to generate the final governance decision for the risk governance proposal, including: Obtain the voting results for each governance role; For governance roles that fail to submit their voting results within the preset time window, the default voting result corresponding to the governance role in the fallback default rule will be used as the governance role's voting result for aggregation. According to the preset weights of each governance role in the multi-role weighting rule, the voting results of each governance role are weighted and aggregated to generate the final governance decision.

[0016] In the above technical solution, multiple role weighting rules and fallback default rules are configured in the preset decision rules. The multiple role weighting rules configure preset weights for each governance role, and the fallback default rules configure default voting results for each governance role when it does not actively vote. During the aggregation and parsing process, governance roles that do not submit voting results within the preset time window participate in aggregation with their corresponding default voting results. The final governance decision is generated by weighted aggregation calculation according to the preset weights of each governance role. This ensures the determinability and predictability of the decision results and avoids the technical problem of the decision process being interrupted or unable to be completed due to some roles not voting.

[0017] Secondly, this invention provides a risk management method applied to a terminal device, the method comprising: The visualization interface displays risk governance proposals, which includes multiple decision-making operation entry points corresponding to various governance roles. In response to a voting operation received through any decision operation entry, obtain an anonymous credential corresponding to the governance role of the voting participant; The voting request, carrying the voting instruction data corresponding to the voting operation and the anonymous credentials, is sent to the governance platform. After the governance platform verifies the voting permission based on the anonymous credentials, it records the voting results according to the governance role and aggregates the voting results of different governance roles to generate a governance decision. Receive and display governance decisions returned by the governance platform.

[0018] The present invention provides a risk governance method that displays a visual interface on a terminal device containing decision-making operation entry points corresponding to multiple governance roles. This allows voting participants to select the corresponding operation entry point based on their own governance role to initiate a voting operation. During the voting process, the participant obtains an anonymous credential corresponding to their governance role and sends it to the governance platform. This allows voting participants to complete the voting without revealing their real identity. At the same time, the participant receives and displays the governance decision returned by the governance platform, thus achieving the unification of identity anonymity protection and role-differentiated voting entry points on the terminal side.

[0019] In one optional implementation, the multiple governance roles include funding roles, risk-bearing roles, and governance oversight roles; the decision-making operation entry points for different governance roles in the visualization interface have different visual identifiers, and the scope of operable permissions corresponding to different decision-making operation entry points is different.

[0020] In the above technical solution, distinct visual identifiers are configured for the funding provider, risk-bearing, and governance / supervision roles in the visual interface. This allows voting participants to quickly identify the decision-making operation entry point corresponding to their respective governance roles based on the visual identifiers. At the same time, by having different operable permission ranges corresponding to different decision-making operation entry points, each voting participant can only perform voting operations within the permission range of their respective governance roles, thus achieving differentiated permission control based on role semantics on the terminal side.

[0021] In one optional implementation, the visualization interface includes multiple voting operation areas corresponding one-to-one with multiple voting categories for the same risk governance proposal, wherein different voting operation areas are used to receive sub-voting operations triggered by voting participants for different voting categories. Voting categories must include at least one of the following: risk effectiveness vote, budget rationality vote, and governance compliance vote; the voting instruction data includes the voting category identifier corresponding to each sub-voting operation.

[0022] In the above technical solution, by setting up multiple voting operation areas in the visualization interface that correspond one-to-one with multiple voting categories for the same risk governance proposal, voting participants can trigger sub-voting operations for different voting categories. The voting instruction data carries the voting category identifier corresponding to each sub-voting operation, so that the voting operations of different voting categories are independent of each other and do not interfere with each other, avoiding mixing decision content of different dimensions in the same voting operation, thus improving the targeting and accuracy of voting.

[0023] In one alternative implementation, the method further includes: The deposit payment portal is displayed in the visual interface; In response to the payment operation triggered by the voting participants through the deposit payment portal, the deposit payment request is sent to the governance platform; Receive and display the deposit payment status information returned by the governance platform; Before receiving a voting operation, receive and display the margin verification approval information returned by the governance platform to activate the voting function of the decision operation entry.

[0024] In the above technical solution, the deposit payment portal is displayed in the visual interface. In response to the payment operation of the voting participants, the payment request is sent to the governance platform, and the deposit payment status information is received and displayed. Before the voting operation, the deposit verification pass information is received and displayed to activate the voting function of the decision operation portal. This allows the voting participants to intuitively know the deposit payment and verification status on the terminal side, ensuring that the opening of voting rights is conditional on payment and verification, and extending the economic constraint mechanism from the platform side to the terminal interaction level.

[0025] Thirdly, the present invention provides a risk governance system applied to a governance platform, the system comprising: The role management module is used to obtain risk governance proposals and configure multiple governance roles for risk governance proposals, with different governance roles corresponding to different decision-making permissions. The request receiving module is used to receive voting requests sent by terminal devices. The voting request includes voting instruction data and anonymous credentials of the voting participants. The anonymous authentication module is used to verify whether a voting participant belongs to a governance role based on anonymous credentials; The voting processing module is used to record the voting results corresponding to the voting instruction data according to the governance role after the verification is passed; The decision analysis module is used to aggregate and analyze the voting results of different governance roles according to preset decision rules, and generate the final governance decision of the risk governance proposal. The decision sending module is used to send the final governance decision to the terminal device and store it in the ledger of the governance platform.

[0026] Fourthly, the present invention provides a risk management system applied to a terminal device, the system comprising: The visualization interface module is used to display the visualization interface of risk governance proposals. The visualization interface displays multiple decision operation entry points corresponding to multiple governance roles. The anonymous credential acquisition module is used to obtain the anonymous credential corresponding to the governance role of the voting participant in response to a voting operation received through any decision operation entry point. The data sending module is used to send the voting request carrying the voting instruction data corresponding to the voting operation and the anonymous credentials to the governance platform, so that after the governance platform verifies the voting permission based on the anonymous credentials, it records the voting results according to the governance role, and aggregates the voting results of different governance roles to generate a governance decision. The decision receiving module is used to receive and display governance decisions returned by the governance platform.

[0027] Fifthly, the present invention provides an electronic device, comprising: a memory and a processor, the memory and the processor being communicatively connected to each other, the memory storing computer instructions, and the processor executing the computer instructions to perform the risk management method of the first aspect or any corresponding embodiment described above, as well as the risk management method of the second aspect or any corresponding embodiment described above.

[0028] In a sixth aspect, the present invention provides a computer-readable storage medium storing computer instructions for causing a computer to perform the risk management method of the first aspect or any corresponding embodiment thereof, and the risk management method of the second aspect or any corresponding embodiment thereof.

[0029] In a seventh aspect, the present invention provides a computer program product, including computer instructions for causing a computer to execute the risk management method of the first aspect or any corresponding embodiment thereof, and the risk management method of the second aspect or any corresponding embodiment thereof. Attached Figure Description

[0030] To more clearly illustrate the specific embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the specific embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are some embodiments of the present invention. For those skilled in the art, other drawings can be obtained from these drawings without creative effort. Figure 1 This is a first schematic diagram of a risk management system according to an embodiment of the present invention; Figure 2 This is a schematic diagram of the first type of risk management method according to an embodiment of the present invention; Figure 3 This is a schematic diagram of a second process for a risk management method according to an embodiment of the present invention; Figure 4 This is a schematic diagram of the third process of the risk management method according to an embodiment of the present invention; Figure 5 This is a schematic diagram of the fourth process of the risk management method according to an embodiment of the present invention; Figure 6 This is a second structural block diagram of a risk management system according to an embodiment of the present invention; Figure 7 This is a schematic diagram of the hardware structure of an electronic device according to an embodiment of the present invention. Detailed Implementation

[0031] To make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer, the technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present invention, not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0032] It is understood that before using the technical solutions disclosed in the various embodiments of the present invention, users should be informed of the types, scope of use, and usage scenarios of the personal information involved in the present invention and their authorization should be obtained in accordance with relevant laws and regulations through appropriate means.

[0033] As an optional application scenario of this invention, such as Figure 1 The diagram illustrates a risk governance system according to an embodiment of the present invention, applied to a governance platform. The system includes: Risk governance proposal template 101 is used to provide proposal input for the risk governance voting module.

[0034] The user role management module 102 is used to define the basic governance roles of the system (including risk bearers R, fund providers F, and compliance regulators G), and to assign corresponding decision-making permissions to each role, serving as the permission basis for the entire system.

[0035] The Risk Governance Proposal Module 103 generates and provides risk governance proposal templates, which include risk descriptions, response measures, and budget constraints, providing decision-making targets for the voting process. The ZKP (Zero-Knowledge Proof) Anonymity Authentication Module 104 receives role definitions from the User Role Management Module and generates anonymous credentials for voting participants, enabling them to prove their membership in a governance role without revealing their true identities, thus ensuring voting anonymity. The Risk Governance Voting Module 105, after obtaining the proposal content from the Risk Governance Proposal Module and the anonymous credentials from the ZKP Anonymity Authentication Module, receives voting instructions (including Yes / No options, quantified parameters, and collateral rights) submitted by voting participants, serving as the entry point for voting. The Risk Governance Voting Distributed Ledger 106 receives voting data from the Risk Governance Voting Module and stores risk governance proposals, voting results for each governance role, and governance status on the blockchain, ensuring data immutability and traceability.

[0036] The voting resolution parsing module 107 obtains the voting results of each governance role from the distributed ledger, summarizes them by role, and then performs aggregation parsing on the voting results of different roles according to predefined decision rules (Nash equilibrium strategy, economic reward and punishment strategy, and fallback default rule) to generate the final governance decision.

[0037] The economic constraint execution module 108 is used to receive the decision results from the voting resolution parsing module, execute economic incentive and punishment operations such as risk budget allocation, release / reward / confiscation of guaranteed rights, and realize the economic constraint mechanism.

[0038] According to an embodiment of the present invention, a risk governance method embodiment is provided. It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. Furthermore, although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order than that shown here.

[0039] This embodiment provides a risk governance method that can be used in a governance platform, which may be a server, control platform, etc. Figure 2 This is a flowchart of a risk management method according to an embodiment of the present invention, such as... Figure 2 As shown, the process includes the following steps: Step S201: Obtain the risk governance proposal and configure multiple governance roles for the risk governance proposal, with different governance roles corresponding to different decision-making permissions.

[0040] Among them, the risk governance proposal includes risk description information, response measures information, and budget constraint information for decision-making matters, which are used to trigger governance processes such as risk identification, response, and budget allocation.

[0041] Governance roles refer to the pre-defined identity types based on the functions undertaken by stakeholders in risk governance, with different roles corresponding to different decision-making authority.

[0042] Different governance roles correspond to different decision-making powers. This means that, based on the different functions that stakeholders undertake in risk governance, differentiated voting weights and decision-making influence are assigned to roles such as funding providers, risk bearers, and governance regulators. For example, funding providers have higher decision-making weights on matters related to budget constraints, risk bearers have higher decision-making weights on matters related to residual risk levels, and governance regulators have higher decision-making weights on matters related to compliance. This ensures that the interests of each role are reasonably reflected in the governance outcome through their decision-making powers.

[0043] The funding provider is responsible for constraining the risk governance budget; the risk bearer is responsible for assessing the residual risk level; and the governance and oversight role is responsible for assessing the fairness and compliance of the decision-making process.

[0044] Specifically, the risk governance proposal module generates risk governance proposals through a predefined risk governance proposal template, which includes risk description information, response measures information, and budget constraint information. The user role management module assigns multiple governance roles to the obtained risk governance proposals from a predefined set of roles. These governance roles include, but are not limited to, risk bearers, fund providers, and compliance regulators. Different governance roles correspond to different decision-making permissions, thereby completing the initialization process of proposal creation and role allocation.

[0045] Step S202: Receive a voting request sent by the terminal device. The voting request includes voting instruction data and the anonymous credentials of the voting participants.

[0046] Terminal devices refer to electronic devices used by voting participants to perform voting operations and receive decision results, including but not limited to mobile phones and computers.

[0047] A voting request refers to a data packet sent by a terminal device to the governance platform, containing voting instruction data and the anonymous credentials of the voting participants. The voting instruction data includes the voting content made by the voting participants through their terminal devices, at least including the voting option (Yes / No) and quantitative parameters.

[0048] Anonymous credentials for voting participants refer to cryptographic evidence generated based on zero-knowledge proofs, used to prove that a voting participant belongs to a certain governance role without revealing their true identity.

[0049] Step S203: Verify whether the voting participants belong to the governance role based on anonymous credentials, and after successful verification, record the voting results corresponding to the voting instruction data according to the governance role.

[0050] Specifically, after receiving a voting request from a terminal device, the ZKP anonymous authentication module extracts the anonymous credentials for cryptographic verification to confirm that the voting participant belongs to one of the governance roles configured by the user role management module for the current risk governance proposal and meets the voting qualifications. After successful verification, the risk governance voting module records the voting results contained in the voting instruction data in the risk governance voting distributed ledger according to the governance role, thereby realizing the classification and storage of voting behavior by role dimension.

[0051] Step S204: Aggregate and analyze the voting results of different governance roles according to preset decision rules to generate the final governance decision of the risk governance proposal.

[0052] Among them, the preset decision rules refer to the predefined combination of decision logic, including the multi-role weighting rules that configure preset weights for each governance role and the fallback default rules that configure default voting results for each governance role. These rules are used to aggregate and parse the voting results of different governance roles to generate the final governance decision.

[0053] Specifically, the voting resolution parsing module obtains the voting results corresponding to each governance role from the risk governance voting distributed ledger; for governance roles that fail to submit voting results within the preset time window, the default voting result corresponding to that governance role in the fallback default rule is used as their voting result for aggregation; then, according to the preset weights of each governance role in the multi-role weighting rule, the obtained voting results of each governance role are weighted and aggregated to generate the final governance decision of the risk governance proposal; the economic constraint execution module executes economic constraint operations such as release of collateral rights, rewards or penalties based on the decision result.

[0054] In step S205, the final governance decision is sent to the terminal device and stored in the ledger of the governance platform.

[0055] The ledger refers to the distributed ledger for risk governance voting, which is used to store risk governance proposals, voting results and governance status, and makes voting behavior traceable on the blockchain.

[0056] Specifically, the decision sending module sends the final governance decision generated by the voting resolution parsing module to the terminal device that initiated the voting request via the network. At the same time, it writes the final governance decision into the risk governance voting distributed ledger, and stores it in association with the proposal information generated by the risk governance proposal module and the voting results of each governance role according to the governance role, forming a complete governance record from proposal creation, voting record to decision generation and storage.

[0057] The risk governance method provided in this embodiment addresses the problems of strong trust dependence, blurred roles and responsibilities, anonymity and conflict of responsibility, and low governance efficiency in existing technologies. It has the following beneficial effects: Semantic governance based on roles: avoiding governance distortion caused by a single voting power model; Anonymous but punishable: Anonymous voting is achieved through zero-knowledge proofs, while accountability is ensured through margin deposits; Deterministic decision-making: Ensuring predictable voting results by combining logical rules rather than simple majority voting. Suppressing strategic obstruction: By using default rules and penalty mechanisms, inaction becomes a disadvantageous strategy, ensuring proactive risk response.

[0058] This embodiment provides a risk governance method that can be used in a governance platform, which may be a server, control platform, etc. Figure 3 This is a flowchart of a risk management method according to an embodiment of the present invention, such as... Figure 3 As shown, the process includes the following steps: Step S301: Obtain the risk governance proposal and configure multiple governance roles for the risk governance proposal, with different governance roles corresponding to different decision-making permissions.

[0059] Specifically, the governance role includes at least one or a combination of the following: funding provider, risk-bearing, and governance oversight role; the multiple governance roles configured for the risk governance proposal in step S301 above include: Based on the proposal type and scope of impact of the risk governance proposal, the governance role associated with the risk governance proposal is dynamically selected from a predefined set of roles.

[0060] Among them, the proposal type refers to the category to which the risk governance proposal belongs, which is used to identify the risk attributes that the proposal addresses (such as campus safety risks, facility safety risks, etc.), and serves as one of the bases for configuring governance roles.

[0061] The scope of impact refers to the spatial, demographic, or organizational boundaries involved in the risk governance proposal, used to characterize the potential extent of the proposal's impact and as one of the bases for allocating governance roles.

[0062] Specifically, the user role management module dynamically selects the governance role associated with the proposal from a predefined set of roles (including but not limited to risk bearers, fund providers, and compliance regulators) based on the proposal type and scope of impact of the risk governance proposal provided by the risk governance proposal module, and configures corresponding decision-making permissions for each role, so that the allocation of governance roles matches the actual attributes of the proposal.

[0063] Step S302: Receive a voting request sent by the terminal device. The voting request includes voting instruction data and the anonymous credentials of the voting participants. For details, please refer to [link to details]. Figure 2 Step S202 of the illustrated embodiment will not be described again here.

[0064] Step S303: Verify whether the voting participants belong to the governance role based on anonymous credentials, and after successful verification, record the voting results corresponding to the voting instruction data according to the governance role.

[0065] Specifically, the voting request includes multiple sub-voting data corresponding to multiple voting categories, and the voting categories include at least one of the following: risk effectiveness voting, budget reasonableness voting, and governance compliance voting; the above step S303 includes: Step S3031: Parse the role verification field in the anonymous credential and verify whether the role verification field matches one of the governance roles configured in the risk governance proposal; query whether there is already a voting record submitted by the voting participant for the governance role in the ledger of the governance platform. If there is, reject the current voting request.

[0066] The role proof field is a general description of the information contained within the anonymous credential (zero-knowledge proof). Specifically, the anonymous credential is generated based on zero-knowledge proof and contains cryptographic information that can prove that a voting participant belongs to a certain governance role. This information is summarized as the role proof field in the claims.

[0067] Specifically, after receiving a voting request from a terminal device, the ZKP anonymous authentication module parses the role declaration field in the anonymous credential and verifies whether the governance role declared by the voting participant matches one of the governance roles configured by the user role management module for the current risk governance proposal. If the verification is successful, it queries whether there is already a voting record submitted by the voting participant for this governance role in the risk governance voting distributed ledger. If so, it rejects the current voting request to prevent duplicate voting.

[0068] Step S3032: Establish multiple independent voting channels for the same risk governance proposal, with each voting channel corresponding to a voting category; record the sub-voting data corresponding to different voting categories in the corresponding voting channels.

[0069] Specifically, such as Figure 4 As shown, after receiving a voting request from a terminal device, the ZKP anonymous authentication module verifies the anonymous credentials and confirms that the voting participant belongs to one of the governance roles configured by the user role management module for the current risk governance proposal and meets the voting qualifications. After successful verification, the risk governance voting module segments the voting channel according to the risk governance role semantics and records the voting instruction data submitted by each governance role in their respective voting channels in the risk governance voting distributed ledger, thereby summarizing the voting results according to the role dimension.

[0070] Step S304: Aggregate and analyze the voting results of different governance roles according to preset decision rules to generate the final governance decision of the risk governance proposal.

[0071] Specifically, the preset decision-making rules include: a multi-role weighted rule and a fallback default rule. The multi-role weighted rule assigns preset weights to each governance role, and the fallback default rule assigns a default voting result to each governance role when no active voting is required. Step S304 includes: Step a: Obtain the voting results corresponding to each governance role; for governance roles that have not submitted their voting results within the preset time window, use the default voting results corresponding to the governance role in the fallback default rule as the voting results of the governance role to participate in the aggregation; according to the preset weights of each governance role in the multi-role weighting rule, perform weighted aggregation calculation on the obtained voting results of each governance role to generate the final governance decision.

[0072] Specifically, such as Figure 4As shown, the voting results of each governance role are obtained from each risk governance voting channel. For governance roles that do not actively vote, the default voting result of the role is automatically generated by the fallback default rule and participates in the aggregation. Finally, the voting results are aggregated and generated by the multi-role voting channels according to the Nash equilibrium strategy, the economic reward and punishment strategy, and the fallback default rule, and are automatically executed to determine the final governance decision of the risk governance proposal.

[0073] For example, the voting resolution parsing module obtains the voting results corresponding to each governance role from each voting channel of the risk governance voting distributed ledger. For instance, in a certain risk governance proposal, if the funding provider votes "agree" and the risk bearer votes "agree," but the governance regulator fails to submit its voting result within the preset time window, then the default voting result (such as "agree") corresponding to the governance regulator in the fallback default rule is used as its voting result for aggregation. Then, the voting results are weighted and aggregated according to the weight of the funding provider (0.3), the risk bearer (0.4), and the governance regulator (0.3) to generate the final governance decision.

[0074] Step S305: Calculate the margin constraint value associated with each governance role based on the potential impact of the risk governance proposal; send a margin payment request to the terminal device and receive payment confirmation information returned by the terminal device; grant voting rights to the voting participants after they have paid the margin; and impose penalties on the margin when violations are detected by the voting participants.

[0075] Specifically, such as Figure 4 As shown, the economic constraint enforcement module automatically calculates the margin amount associated with each governance role based on the maximum quantifiable damage that the risk governance proposal may cause. When voting participants submit their votes through the risk governance voting module, they also provide corresponding security interests. When a voting participant is detected to have violated regulations such as submitting false information, maliciously obstructing the decision-making process, or failing to act without a legitimate reason, the economic constraint enforcement module will impose penalties on the margin, deducting an amount no less than the maximum damage that the violation may cause, and will allocate risk budgets and release, reward, or forfeit security interests according to the governance results.

[0076] Step S306: The final governance decision is sent to the terminal device and stored in the governance platform's ledger. For details, please refer to [link to relevant documentation]. Figure 2 Step S205 of the illustrated embodiment will not be described again here.

[0077] The risk governance method provided in this embodiment achieves differentiated decision-making authority allocation by configuring multiple governance roles with different decision-making permissions on the governance platform side, ensuring that the decision-making influence of each stakeholder matches their role functions. It uses anonymous credentials to verify the identity and protect the anonymity of voting participants, while storing voting requests, voting results, and governance decisions in a distributed ledger, making voting behavior traceable and tamper-proof, thus balancing anonymity and traceability. A margin mechanism provides economic constraints on voting behavior, effectively suppressing malicious obstruction and inaction. Multiple role-weighted rules and fallback default rules ensure the determinability and predictability of decision-making results, thereby achieving decentralized risk governance in an environment where multiple parties distrust each other, improving the fairness and efficiency of risk governance decisions.

[0078] This embodiment provides a risk management method that can be used in terminal devices. Figure 5 This is a flowchart of a risk management method according to an embodiment of the present invention, such as... Figure 5 As shown, the process includes the following steps: Step S501: Display the visualization interface of the risk governance proposal. The visualization interface shows multiple decision operation entry points corresponding to multiple governance roles.

[0079] In one optional implementation, the multiple governance roles include funding roles, risk-bearing roles, and governance oversight roles; the decision-making operation entry points for different governance roles in the visualization interface have different visual identifiers, and the scope of operable permissions corresponding to different decision-making operation entry points is different.

[0080] Specifically, by using differentiated visual identifiers and operation permission ranges in the visual interface, voting participants can quickly identify the operation entry points corresponding to their own roles and ensure that they only perform operations within their own permission range, thus realizing differentiated permission control based on role semantics on the terminal side.

[0081] In one optional implementation, the visualization interface includes multiple voting operation areas corresponding one-to-one with multiple voting categories for the same risk governance proposal. Different voting operation areas are used to receive sub-voting operations triggered by voting participants for different voting categories. The voting categories include at least one of the following: risk effectiveness vote, budget rationality vote, and governance compliance vote. The voting instruction data includes the voting category identifier corresponding to each sub-voting operation.

[0082] Specifically, separate voting operation areas are set up for different voting categories in the visual interface of the terminal device, enabling voting participants to submit sub-vote operations for different voting categories. The governance platform can identify the voting category to which each sub-vote operation belongs through the voting category identifier in the voting instruction data, thereby realizing the independent submission and classification processing of voting content from different dimensions.

[0083] Step S502: In response to a voting operation received through any decision operation entry, obtain an anonymous credential corresponding to the governance role to which the voting participant belongs.

[0084] Specifically, in response to a voting operation triggered by a voting participant through a decision-making operation entry, the terminal device obtains an anonymous credential corresponding to the governance role to which the voting participant belongs, and sends a voting request carrying the anonymous credential to the governance platform, so that the governance platform's ZKP anonymous authentication module can verify whether the voting participant belongs to one of the governance roles configured for the current risk governance proposal based on the anonymous credential.

[0085] Step S503: Display the deposit payment portal in the visualization interface. In response to the payment operation triggered by the voting participants through the deposit payment portal, send the deposit payment request to the governance platform; receive and display the deposit payment status information returned by the governance platform; before receiving the voting operation, receive and display the deposit verification pass information returned by the governance platform to activate the voting function of the decision operation portal.

[0086] Specifically, on the terminal device side, a deposit payment portal is displayed in the visual interface. In response to the payment operation triggered by the voting participants through the deposit payment portal, the deposit payment request is sent to the governance platform. The economic constraint execution module calculates the deposit constraint value associated with each governance role based on the potential impact of the risk governance proposal. After receiving and verifying the payment request, it returns deposit payment status information to the terminal device. The terminal device receives and displays the deposit payment status information, and before receiving the voting operation, it receives and displays the deposit verification pass information returned by the governance platform to activate the voting function of the decision operation portal.

[0087] Step S504: Send the voting request carrying the voting instruction data corresponding to the voting operation and the anonymous credentials to the governance platform, so that after the governance platform verifies the voting permission based on the anonymous credentials, it records the voting results according to the governance role, and aggregates the voting results of different governance roles to generate a governance decision.

[0088] Specifically, after obtaining the anonymous credential, the terminal device packages the voting instruction data and the anonymous credential into a voting request and sends it to the governance platform. Upon receiving the request, the governance platform first verifies the anonymous credential to confirm that the voting participant belongs to a legitimate governance role and has not voted repeatedly. If the verification is successful, the voting results are recorded on the blockchain according to the role. Subsequently, the voting results of each role are aggregated and parsed to generate the final governance decision. This decision is returned to the terminal device and displayed to the voting participants, while also being stored in the ledger to form a traceable governance record.

[0089] Step S505: Receive and display the governance decision returned by the governance platform.

[0090] Specifically, after receiving the final governance decision data returned by the governance platform, the terminal device parses the decision data and renders it in a visual interface, displaying it to the voting participants in a structured form, so that the voting participants can know the final decision result of the current risk governance proposal.

[0091] The risk governance method provided in this embodiment displays a visual interface on the terminal device containing decision-making operation entry points corresponding to multiple governance roles. This allows voting participants to select the corresponding operation entry point based on their respective governance roles to initiate voting operations. During the voting process, anonymous credentials corresponding to the voting participant's governance role are obtained and sent to the governance platform. This allows voting participants to complete voting without revealing their true identities. Simultaneously, the governance platform returns and displays the governance decisions, achieving a unified approach to identity anonymity protection and role-based differentiated voting entry points on the terminal side. This embodiment also provides a risk governance system for implementing the above embodiments and preferred embodiments; details already described will not be repeated. As used below, the term "module" can refer to a combination of software and / or hardware that performs a predetermined function. Although the system described in the following embodiments is preferably implemented in software, hardware implementation, or a combination of software and hardware, is also possible and contemplated.

[0092] This embodiment provides a risk management system applied to terminal devices, such as... Figure 6 As shown, it includes: The visualization interface display module 601 is used to display the visualization interface of risk governance proposals. The visualization interface displays multiple decision operation entry points corresponding to multiple governance roles. The anonymous credential acquisition module 602 is used to acquire the anonymous credential corresponding to the governance role of the voting participant in response to a voting operation received through any decision operation entry. The data sending module 603 is used to send a voting request carrying the voting instruction data corresponding to the voting operation and the anonymous credentials to the governance platform, so that after the governance platform verifies the voting permission based on the anonymous credentials, it records the voting results according to the governance role and aggregates the voting results of different governance roles to generate a governance decision. The decision receiving module 604 is used to receive and display the governance decisions returned by the governance platform.

[0093] In one optional implementation, the multiple governance roles include funding roles, risk-bearing roles, and governance oversight roles; the decision-making operation entry points for different governance roles in the visualization interface have different visual identifiers, and the scope of operable permissions corresponding to different decision-making operation entry points is different.

[0094] In one optional implementation, the visual interface includes multiple voting operation areas corresponding one-to-one with multiple voting categories for the same risk governance proposal. Different voting operation areas are used to receive sub-voting operations triggered by voting participants for different voting categories. The voting categories include at least one of the following: risk effectiveness vote, budget rationality vote, and governance compliance vote. The voting instruction data includes a voting category identifier corresponding to each sub-voting operation. In one optional implementation, the system further includes: The economic constraint execution display module is used to display the deposit payment portal in the visual interface; in response to the payment operation triggered by the voting participants through the deposit payment portal, it sends the deposit payment request to the governance platform; it receives and displays the deposit payment status information returned by the governance platform; and before receiving the voting operation, it receives and displays the deposit verification pass information returned by the governance platform to activate the voting function of the decision operation portal.

[0095] The risk governance system provided in this embodiment of the invention can execute the risk governance method provided in any embodiment of the invention, and has the corresponding functional modules and beneficial effects for executing the method. Further functional descriptions of the various modules and units described above are the same as in the corresponding embodiments described above, and will not be repeated here.

[0096] Figure 7 This is a schematic diagram of the structure of an electronic device provided in an embodiment of the present invention.

[0097] The following is a detailed reference. Figure 7This diagram illustrates a suitable structural schematic for implementing an electronic device according to embodiments of the present invention. The electronic device may include a processor (e.g., a central processing unit, graphics processor, etc.) 701, which can perform various appropriate actions and processes based on a program stored in read-only memory (ROM) 702 or a program loaded from memory 708 into random access memory (RAM) 703. The RAM 703 also stores various programs and data required for the operation of the electronic device. The processor 701, ROM 702, and RAM 703 are interconnected via a bus 704. An input / output (I / O) interface 705 is also connected to the bus 704.

[0098] Typically, the following devices can be connected to I / O interface 705: input devices 706 including, for example, touchscreens, touchpads, keyboards, mice, cameras, microphones, accelerometers, gyroscopes, etc.; output devices 707 including, for example, liquid crystal displays (LCDs), speakers, vibrators, etc.; memory devices 708 including, for example, magnetic tapes, hard disks, etc.; and communication devices 709. Communication device 709 allows electronic devices to exchange data via wireless or wired communication with other devices. Although Figure 7 Electronic devices with various devices are shown, but it should be understood that it is not required to implement or have all of the devices shown, and more or fewer devices may be implemented or have instead.

[0099] In particular, according to embodiments of the present invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments of the present invention include a computer program product comprising a computer program carried on a non-transitory computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via a communication device 709, or installed from a memory 708, or installed from a ROM 702. When the computer program is executed by the processor 701, it performs the functions defined in the risk management method of the embodiments of the present invention.

[0100] Figure 7 The electronic device shown is merely an example and should not be construed as limiting the functionality and scope of the embodiments of the present invention.

[0101] This invention also provides a computer-readable storage medium. The methods described above according to embodiments of the invention can be implemented in hardware or firmware, or implemented as computer code that can be recorded on a storage medium, or implemented as computer code downloaded via a network and originally stored on a remote storage medium or a non-transitory machine-readable storage medium and then stored on a local storage medium. Thus, the methods described herein can be processed by software stored on a storage medium using a general-purpose computer, a dedicated processor, or programmable or dedicated hardware. The storage medium can be a magnetic disk, optical disk, read-only memory, random access memory, flash memory, hard disk, or solid-state drive, etc.; further, the storage medium can also include combinations of the above types of memory. It is understood that computers, processors, microprocessor controllers, or programmable hardware include storage components capable of storing or receiving software or computer code. When the software or computer code is accessed and executed by the computer, processor, or hardware, the risk management methods shown in the above embodiments are implemented.

[0102] A portion of this invention can be applied as a computer program product, such as computer program instructions, which, when executed by a computer, can invoke or provide the methods and / or technical solutions according to the invention through the operation of the computer. Those skilled in the art will understand that the forms in which computer program instructions exist in a computer-readable medium include, but are not limited to, source files, executable files, installation package files, etc. Correspondingly, the ways in which computer program instructions are executed by a computer include, but are not limited to: the computer directly executing the instructions, or the computer compiling the instructions and then executing the corresponding compiled program, or the computer reading and executing the instructions, or the computer reading and installing the instructions and then executing the corresponding installed program. Here, the computer-readable medium can be any available computer-readable storage medium or communication medium accessible to a computer.

[0103] Although embodiments of the invention have been described in conjunction with the accompanying drawings, those skilled in the art can make various modifications and variations without departing from the spirit and scope of the invention, and such modifications and variations all fall within the scope defined by the appended claims.

Claims

1. A risk governance method, characterized in that, Applied to a governance platform, the method includes: Obtain risk governance proposals and configure multiple governance roles for the risk governance proposals, with different governance roles corresponding to different decision-making permissions; Receive a voting request sent by a terminal device, the voting request including voting instruction data and anonymous credentials of the voting participants; Based on the anonymous credentials, the voting participants are verified to determine whether they belong to the governance role. After successful verification, the voting results corresponding to the voting instruction data are recorded according to the governance role. The voting results of different governance roles are aggregated and analyzed according to preset decision-making rules to generate the final governance decision of the risk governance proposal; The final governance decision is sent to the terminal device and stored in the ledger of the governance platform.

2. The method according to claim 1, characterized in that, The governance role includes at least one of the following or a combination thereof: funding role, risk-bearing role, and governance oversight role; Configure multiple governance roles for the aforementioned risk governance proposal, including: Based on the proposal type and scope of impact of the risk governance proposal, the governance role associated with the risk governance proposal is dynamically selected from a predefined set of roles.

3. The method according to claim 1, characterized in that, Verifying whether a voting participant belongs to the governance role based on the anonymous credentials includes: Parse the role verification field in the anonymous credential and verify whether the role verification field matches one of the governance roles configured in the risk governance proposal; Check if the voting record submitted by the voting participant for the governance role already exists in the ledger of the governance platform. If it exists, reject the current voting request.

4. The method according to claim 1, characterized in that, The voting request contains multiple sub-voting data corresponding to multiple voting categories, and the voting categories include at least one of the following: risk effectiveness voting, budget reasonableness voting, and governance compliance voting; Record the voting results corresponding to the voting instruction data according to the governance roles, including: Establish multiple independent voting channels for the same risk governance proposal, with each voting channel corresponding to a different voting category; The sub-voting data corresponding to different voting categories are recorded in their respective voting channels.

5. The method according to claim 1, characterized in that, The method further includes: Calculate the margin constraint values ​​associated with each governance role based on the potential impact of the aforementioned risk governance proposals; Send a deposit payment request to the terminal device and receive payment confirmation information returned by the terminal device; After the voting participants pay the deposit, their voting rights are granted. When a violation is detected by the voting participant, the security deposit will be penalized.

6. The method according to claim 1, characterized in that, The preset decision rules include: a multi-role weighting rule and a fallback default rule. The multi-role weighting rule assigns preset weights to each governance role, and the fallback default rule assigns a default voting result to each governance role when it does not actively vote. The voting results of the different governance roles are aggregated and analyzed according to preset decision-making rules to generate the final governance decision of the risk governance proposal, including: Obtain the voting results for each governance role; For governance roles that fail to submit voting results within the preset time window, the default voting result corresponding to the governance role in the fallback default rule is used as the governance role's voting result for aggregation; According to the preset weights of each governance role in the multi-role weighting rule, the voting results of each governance role are weighted and aggregated to generate the final governance decision.

7. A risk management method, characterized in that, Applied to a terminal device, the method includes: A visual interface for displaying risk governance proposals is provided, which shows multiple decision-making operation entry points corresponding to multiple governance roles. In response to a voting operation received through any of the aforementioned decision operation entry points, an anonymous credential corresponding to the governance role to which the voting participant belongs is obtained; The voting request, carrying the voting instruction data corresponding to the voting operation and the anonymous credential, is sent to the governance platform. After the governance platform verifies the voting permission based on the anonymous credential, it records the voting results according to the governance role and aggregates the voting results of different governance roles to generate a governance decision. Receive and display the governance decision returned by the governance platform.

8. The method according to claim 7, characterized in that, The multiple governance roles include funding providers, risk bearers, and governance supervisors; the decision-making operation entry points for different governance roles in the visualization interface have different visual identifiers, and the scope of operable permissions corresponding to different decision-making operation entry points is different.

9. The method according to claim 7, characterized in that, The visualization interface includes multiple voting operation areas corresponding to multiple voting categories for the same risk governance proposal. Different voting operation areas are used to receive sub-voting operations triggered by the voting participants for different voting categories. The voting categories include at least one of the following: risk effectiveness voting, budget rationality voting, and governance compliance voting; the voting instruction data includes the voting category identifier corresponding to each sub-voting operation.

10. The method according to claim 7, characterized in that, The method further includes: The deposit payment portal is displayed in the visual interface. In response to the payment operation triggered by the voting participant through the deposit payment portal, a deposit payment request is sent to the governance platform; Receive and display the deposit payment status information returned by the governance platform; Before receiving a voting operation, the system receives and displays the margin verification approval information returned by the governance platform to activate the voting function of the decision operation entry.

11. A risk governance system, characterized in that, The system, applied to a governance platform, includes: The role management module is used to obtain risk governance proposals and configure multiple governance roles for the risk governance proposals, with different governance roles corresponding to different decision-making permissions. The request receiving module is used to receive a voting request sent by the terminal device. The voting request includes voting instruction data and the anonymous credentials of the voting participants. An anonymous authentication module is used to verify whether the voting participant belongs to the governance role based on the anonymous credentials; The voting processing module is used to record the voting results corresponding to the voting instruction data according to the governance roles after the verification is passed; The decision analysis module is used to aggregate and analyze the voting results of different governance roles according to preset decision rules, and generate the final governance decision of the risk governance proposal. The decision sending module is used to send the final governance decision to the terminal device and store it in the ledger of the governance platform.

12. A risk governance system, characterized in that, The system, applied to terminal devices, includes: The visualization interface module is used to display a visualization interface for risk governance proposals. The visualization interface displays multiple decision operation entry points corresponding to multiple governance roles. An anonymous credential acquisition module is used to acquire an anonymous credential corresponding to the governance role of the voting participant in response to a voting operation received through any of the aforementioned decision operation entry points. The data sending module is used to send a voting request carrying the voting instruction data corresponding to the voting operation and the anonymous credential to the governance platform, so that after the governance platform verifies the voting permission based on the anonymous credential, it records the voting results according to the governance role, and aggregates the voting results of different governance roles to generate a governance decision. The decision receiving module is used to receive and display the governance decisions returned by the governance platform.

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