Hardware-based device for secure AI-based real-time financial risk assessment

Abstract

Hardware-based device for secure AI-based real-time financial risk assessment, comprehensive at least one data receiving unit for capturing structured and unstructured financial transaction data from at least one external data source, at least one hardware-based security module with a physically isolated execution environment for the protected processing of sensitive data, at least one AI processing unit with a dedicated accelerator processor for executing a trained neural network for risk classification, a volatile and a non-volatile memory for storing model parameters, risk thresholds and cryptographic keys, a cryptographic processing unit for performing symmetric and asymmetric encryption operations for incoming and outgoing data streams, as well as an output interface for providing a deterministically generated risk value in real time, wherein the hardware-based security module, the AI ​​processing unit and the cryptographic processing unit are integrated on a common physical support structure and form an isolated, tamper-proof processing chain for financial risk assessment.

Description

Technical field

[0001] The invention relates to the field of information processing security systems and hardware-based data processing. In particular, the invention relates to a hardware-based device for the secure, AI-based real-time assessment of financial risks using a physically isolated execution environment, cryptographic processing units, and an integrated accelerator architecture for neural networks. The invention lies at the interface of financial technology, embedded security systems, and accelerated artificial intelligence hardware and serves the tamper-proof processing of sensitive financial transaction data within an integrated physical system architecture. State of the art

[0002] In the field of financial technology, systems for the automated assessment of financial risks are known, based on software-based analysis platforms and centralized server architectures. Such systems typically process transaction data in virtualized computing environments or cloud infrastructures using neural networks or statistical evaluation models.

[0003] Known solutions separate data acquisition, AI model processing, and security mechanisms. Security is often achieved through software-based encryption or network-based protection mechanisms. However, these architectures exhibit structural weaknesses regarding tamper protection, integrity assurance, and deterministic real-time processing, as security-critical operations are not fully hardware-isolated.

[0004] Furthermore, AI inference in existing systems is regularly performed on general-purpose processor architectures without a physically isolated execution environment. A joint physical integration of data reception, AI acceleration, cryptographic processing, and integrity monitoring on a single, closed substrate is not disclosed in the prior art.

[0005] Furthermore, known solutions lack a hardware-based integrity monitoring unit that automatically activates a locking function and establishes a secure system state in the event of a violation of defined integrity criteria.

[0006] Therefore, there is a need for a hardware-integrated, tamper-proof device that enables secure AI-based real-time assessment of financial risks within a physically isolated and cryptographically secured overall architecture. Object of the invention

[0007] The invention is based on the objective of providing a hardware-based device that enables a secure, tamper-proof and deterministic AI-based real-time assessment of financial risks.

[0008] In particular, an integrated system architecture should be created in which data reception, AI processing, cryptographic security and integrity monitoring are combined on a common physical support structure in order to execute safety-critical processing steps within a physically isolated execution environment.

[0009] Furthermore, the device is designed to ensure that sensitive financial transaction data is processed without external disclosure and that any changes to model parameters or system configurations are subject to a hardware-based integrity check.

[0010] Furthermore, an automatic locking function should be provided, which activates a secure system state if defined integrity criteria are not met.

[0011] The invention thus aims to significantly increase the security, integrity and real-time capability of AI-based financial risk assessment systems compared to known software-centric solutions. Summary of the invention

[0012] The invention relates to a hardware-based device for secure AI-based real-time financial risk assessment. The device comprises a data receiving unit for capturing structured and unstructured financial transaction data, a hardware-based security module with a physically isolated execution environment, an AI processing unit with a dedicated accelerator processor for executing a trained neural network, a cryptographic processing unit for performing symmetric and asymmetric encryption operations, and an integrity monitoring unit with hardware-based signature verification.

[0013] The aforementioned components are integrated on a common physical support structure and connected via an access-controlled internal bus architecture. AI model inference takes place within the isolated execution environment of the security module. Changes to model parameters or system configurations trigger a cryptographically verified authentication check. If a defined integrity criterion is not met, an automatic locking mechanism activates a secure system state.

[0014] The device provides a deterministically generated risk value in real time via an output interface and ensures tamper-proof processing of sensitive financial data. Detailed description of the invention

[0015] The invention relates to a hardware-based device for secure AI-based real-time financial risk assessment. The device comprises a data receiving unit for acquiring structured and unstructured financial transaction data, a hardware-based security module with a physically isolated execution environment, an AI processing unit with a dedicated accelerator processor for executing a trained neural network, volatile and non-volatile memory for storing model parameters and cryptographic keys, and a cryptographic processing unit for performing symmetric and asymmetric encryption operations. These units are integrated on a common physical substrate and form a tamper-proof processing chain.Furthermore, an integrity monitoring unit with hardware-based signature verification is provided, which activates an automatic locking mechanism if an integrity criterion is not met. The device provides a deterministically generated risk score in real time via an output interface and ensures the secure processing of sensitive financial data.

[0016] The invention relates to a hardware-based device for secure AI-based real-time financial risk assessment, in which all security- and processing-relevant components are integrated on a common physical support structure. The device is designed as a closed, tamper-proof system unit.

[0017] The device comprises a data receiving unit that captures structured and unstructured financial transaction data from at least one external data source. The data receiving unit is connected to an access-controlled internal bus architecture that prevents direct, unauthorized access to internal storage areas.

[0018] A hardware-based security module forms a physically isolated execution environment. Within this isolated environment, the security-critical processing of transaction data takes place. The security module has a protected memory zone for cryptographic keys and model parameters. Access to this memory zone is permitted exclusively through hardware-implemented access control mechanisms.

[0019] The AI ​​processing unit comprises a dedicated accelerator processor with a parallelized matrix processing unit and a hard-wired vector operation unit. The trained neural network is executed entirely within the isolated execution environment. The architecture is designed to ensure that model inference and risk classification are performed deterministically within predefined time limits.

[0020] A cryptographic processing unit is provided for performing symmetric and asymmetric encryption operations. Incoming data streams are cryptographically checked before further processing. Outgoing risk values ​​and system messages are signed or encrypted before transmission.

[0021] Furthermore, an integrity monitoring unit is provided, which performs hardware-based signature verification for model parameters, risk thresholds, and system configurations. Any change to these parameters automatically triggers a cryptographically verified authentication check. If a predefined integrity criterion is not met, an automatic locking unit activates a secure system state in which the risk assessment function is deactivated and no further data processing takes place.

[0022] The device provides a deterministically generated risk score via an output interface. This risk score is based on the classification of the processed financial transaction data performed by the neural network.

[0023] The physical integration of the data receiving unit, security module, AI processing unit, cryptographic processing unit, and integrity monitoring unit on a common carrier structure creates a closed, tamper-proof processing chain. This ensures secure, hardware-isolated, and real-time financial risk assessment with enhanced system integrity and protection of sensitive financial data.

Claims

[1] Hardware-based device for secure AI-based real-time financial risk assessment, comprising at least one data receiving unit for capturing structured and unstructured financial transaction data from at least one external data source, at least one hardware-based security module with a physically isolated execution environment for the protected processing of sensitive data, at least one AI processing unit with a dedicated accelerator processor for executing a trained neural network for risk classification, a volatile and a non-volatile memory for storing model parameters, risk thresholds and cryptographic keys, a cryptographic processing unit for performing symmetric and asymmetric encryption operations for incoming and outgoing data streams, as well as an output interface for providing a deterministically generated risk value in real time, wherein the hardware-based security module, the AI ​​processing unit and the cryptographic processing unit are integrated on a common physical support structure and form an isolated, tamper-proof processing chain for financial risk assessment. [2] Device according to claim 1, characterized by , that the AI ​​processing unit comprises a parallelized matrix processing unit with a hardwired vector operation unit, where the model inference takes place within the physically isolated execution environment of the hardware-based security module and Direct memory access between the data receiving unit and the AI ​​processing unit is realized exclusively via an access-controlled internal bus architecture. [3] Device according to claim 1 or 2, characterized bythat the device further includes an integrity monitoring unit with hardware-based signature verification, where any change to model parameters, risk thresholds or system configurations triggers a cryptographically verified authentication check and If a predefined integrity criterion is not met, an automatic locking unit deactivates the risk assessment function and activates a secure system state.