Chen Gongbin, the person in charge of the risk control technology of Ant Group: cutting -edge technology helps anti -fraud ecological protection network upgrade

21st Century Business Herald reporter Li Lianqing Shanghai report

"The technical level of the Black -to -Aslatine Gang is getting higher and higher."

At the 21st Century Economic Herald-the 21st Century asset Management Research Institute held the online round table of "Technology Energy Energy Financial Institutions Anti-Fraud and Anti-Money Laundering", Chen Gongbin, chief architect of the Ant Group's Great Security and Ant Ratings Technology, bluntly said.

On the occasion of shopping festivals such as "618", "Double Eleven", "818", telecommunications network scams have emerged again. In recent years, the fraudulent means of the Black -to -gray production team have been renovated. The fraud team has become more and more good at using digital technology to accurately identify the targets of fraud and take measures to implement fraud on users.

In recent years of e -commerce promotion activities, Chen Gongbin found that the black -gray production team will find vulnerabilities based on the adjustment of the activity strategy during the platform. During the promotion period, the platform traffic peak was large, and some black -gray production teams chose to find a breakthrough at the moment when the platform system was stressed during the peak period of traffic. In addition, the interval period of the promotion activity in the past is short. Now it will generally go through a long pre -sale period. The Black -to -gray production team will look for the characteristics of these activities to find a fraud opportunity to do a wave of harvesting. The victims wait until the end of the end It was only discovered during the settlement that there was a long period of time during the period, which made the cycle of risk exposure longer, and the feedback was relatively slow, and it was easy to form batch cases.

To this end, at the pre -prevention stage of cyber fraud and black -gray cricket wool, Chen Gongbin introduced that the Internet platform generally integrates analysis and analysis of the two aspects of their own information and external intelligence systems, and perceive the risks in advance.

At the internal level, in -depth correlation analysis is performed through the information and data of the past in the past, so as to excavate the potential risks of websites, small programs, and merchants. At the same time, through the external intelligence system of Alipay to make up for the lack of data and lag, such as public opinion, referee documents, or cases of cases with public security in public security, etc., build intelligence systems, and dig out extracted intelligence to predict predictions to predict predictive predictions , Explore the business vulnerabilities in the big promotion activity.

Technological innovation provides a strong driving force for institutions to improve anti -fraud capabilities.

"The application and implementation of new technologies such as big data, cloud computing, artificial intelligence, blockchain, etc., so that machine learning, neural networks include emerging applications such as diagram algorithms, and promote the entire risk control technology. In the field, gradually moving towards the automation direction of human -machine binding, and promoting the overall anti -fraud ability of the institutions to greatly improve. "

"Originally, the overall risk is always focused on the explicit risks of existing data, but in the past few years, we have focused on the application of" map risk control "in recent years." According to Chen Gongbin Use diagram data and diagram algorithm to establish a diagram database, and use graph technology to build a "picture" of massive data to build a global risk control. Based on this, you can use real -time computing technology to make the excavation of the diagram algorithm, and find the common characteristics of some black -gray gangs to tap the label and risk. However, from the technical level, Chen Gongbin bluntly stated that these requirements for the bearing capacity, data efficient computing capacity, and real -time computing power of the map database are high.

On the other hand, Ant Group will also conduct data sharing and modeling with anti -fraud governance ecological partners.

Compared with previous anti -fraud management, Chen Gongbin pointed out that in recent years, the joint defense ecology between banks, third -party payment institutions, operators and other related institutions has been initially established, and cooperation between institutions has become more frequent.

Chen Gongbin mentioned that more and more emerging technologies such as joint risk control, especially privacy computing, blockchain and other emerging technologies in risk control scenarios have provided basic technical guarantees for the construction of anti -fraud ecology for the Internet platform. Especially under the increasingly stricter and stricter of data security protection laws and regulations, privacy computing and blockchain technology have further promoted the mutual benefit of ecology between institutions and increased anti -fraud to a new height.

In the process of ecological cooperation, privacy computing has become one of the key technologies of ant layout. "Our privacy calculation framework‘ hidden language ’through independent research and development, with ecological partners such as merchants and financial institutions to explore the risk control ecology of risk control under the requirements of data security regulations.” Chen Gongbin said.

In addition to privacy computing, new technologies such as blockchain have also helped the development of anti -fraud risk control ecological cooperation. According to Chen Gongbin, the Ant Group helps Zhejiang's anti -fraud joint construction of the construction of the anti -fraud alliance chain, hoping to promote the joint prevention and control of the entire risk control ecosystem through more technologies that meet the requirements of regulations.

"As the entrance of social traffic, the role that assumed during the anti -fraud process is self -evident, and it is necessary to reflect his role and responsibility." Chen Gongbin said that in recent years Improved, but in the case of the splitting of various platforms, it is still a long way to go. "I hope that in the future, it will not only be shared with data cooperation between enterprises, but also look forward to establishing an anti -fraud and anti -money laundering ecosystem with merchants, regulators, payment institutions, operators, and banks, and do better anti -fraud."

[About Nancai Financial Institution Digital Transformation Series Activities]

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