Although there is a strong demand and willingness for inter-agency data cooperation, in the specific cooperation process, due to obstacles such as commercial value, data security, privacy protection and infrastructure, it is very difficult to land data cooperation, and in fact, countless "data islands" have been formed. In the process of data cooperation and * * * sharing, we mainly face the following problems:
Aiming at the above-mentioned pain points such as data security trust, personal privacy protection, and insufficient data infrastructure, the ant blockchain Moss secure computing platform adheres to the principles of "data available and invisible" and "moving computing to the data side", and builds a secure, privacy-protected, efficient, universal, lightweight and decentralized data collaboration infrastructure with the help of cutting-edge technologies such as blockchain, cryptography, privacy protection, secure multi-party computing and trusted computing, and opens up data islands.
The ant blockchain Moss secure computing platform provides a new secure and privacy-protected data collaboration mode, which can perform the operations of established logic in a distributed manner on the premise that local data is not leaked and the original data is not out of the domain, and obtain the expected results through cryptographic algorithms, thus completing data collaboration efficiently and safely. At present, Ant Financial has been widely used in many fields, such as joint financial risk control, quick insurance claims, people's livelihood government affairs, multi-party joint marketing, multi-party joint scientific research, cross-border data cooperation and so on.
Take the credit business as an example. The first is the prevention and control of long-term lending. The data shows that every time a loan applicant applies for an institution, the probability of default increases by 20%. However, at present, the coverage of the central bank's credit information is limited, and more than 400 million natural persons lack credit information records; User credit data accumulated by various credit institutions that spend time and money are unwilling to share with competitors; Even if credit reporting agencies are willing to share data, there are many obstacles such as data security, user privacy and compliance. With the help of Ant Financial, many financial institutions can establish a risk control data alliance based on multi-party secure computing technology, secretly share data such as blacklists, credit applications, credit records, etc., without revealing the original data of each institution, and obtain statistical results through distributed encryption calculation. Secondly, under the premise of user authorization, financial institutions can obtain massive multidimensional data of government, operators, e-commerce, independent data service providers and other industries with the help of Ant Financial, so as to improve the accuracy of the credit evaluation model, thereby improving the acceptance rate and reducing the bad debt rate. Combined with blockchain technology, Ant Financial also provides functions such as deposit, authorization and billing for data service calls, which improves the capabilities of data alliance business operation, collaborative management, supervision and audit.
Take insurance claims as an example. After seeing a doctor, the insured of commercial insurance must collect relevant forms, medical documents, medical records and other materials, submit them or upload them to the insurance company's claims platform, and only after passing the examination can they get compensation. The whole claim settlement process has a long period, low efficiency and hidden dangers of fraud. Many insurance companies hope to directly connect with hospital data and establish a fast payment channel. However, hospitals are worried about the safety of medical data and the disclosure of patients' personal privacy, and are unwilling to disclose sensitive medical data directly. With the help of Ant Financial, secure computing nodes can be distributed in hospital domain and insurance company claims service domain, and insurance companies can remotely deploy claims models and claims rules on computing nodes in hospital domain. The patient initiates a claim after seeing a doctor, and the hospital's security computing node automatically uses the original diagnosis and treatment and prescription data of the claim applicant for local encryption calculation, and obtains the adjustment result of the claim, and only outputs whether to pay and the amount of compensation to the insurance company. In this way, under the condition of protecting the security of medical data and personal privacy, a closed loop of business and data can be formed, which can greatly improve the efficiency and accuracy of claims and solve the pain point of "it is difficult to see a doctor and it is more difficult to make claims". The data summary and judgment results involved in the whole claim settlement process can be encrypted and stored in the blockchain, which is convenient for subsequent profit sharing, auditing and supervision.
Finally, take government affairs as an example. With the help of Ant Financial, efficient and safe data sharing among departments, government departments and the public can also be realized. When building a big data platform in various places, it is no longer necessary to move all the data of industry and commerce, taxation, civil affairs and other departments to the platform. It is only necessary to deploy calculation models or rules in the data fields of various departments, and perform real-time encrypted calculation and real-time call according to business requests. The data demand department can quickly adjust the optimization calculation strategy and rules, and can feed back the calculation results to the original data department to provide improvement suggestions for its data collection and collation, thus consolidating the data foundation of people's livelihood government affairs and conveniently and safely realizing "more data running, fewer people running errands".
Based on Ant Financial Technology Platform and blockchain technology, MOSS makes complex privacy protection and cryptographic algorithms transparent and productive, and provides core functions such as security release, security model, security statistics, security query and security script. Ant moss products have the following characteristics and advantages:
? Data security: the bottom-level detailed data and original data of all data partners do not leave the calculation node, all calculations are carried out in ciphertext state, and the inquirer can only obtain the results of inquiry and calculation.
? Transparency and credibility: Designed according to the idea of open source, we have applied for more than 50 patents related to multi-party secure computing algorithms by making public algorithms to ensure the security of computing and enhance mutual trust. In addition, Ant Vision has obtained the security and privacy protection certification from many authoritative organizations at home and abroad, such as the Ministry of Public Security, National Information Technology Research Center and Trust Arc, and participated in the formulation of the national security calculation standard of China Information and Communication Research Institute.
? Privacy protection: ensure the minimum utilization of data, all calculations are carried out on encrypted or desensitized data, and all outputs are minimized to ensure the safety of personal privacy data to the greatest extent.
? Decentralized architecture: With a completely decentralized architecture, data calculation and interaction are independently completed among multiple computing nodes, and there is no central control node, which reduces the trust cost and has stronger disaster tolerance and anti-attack ability.
? Blockchain verification and audit: blockchain technology is used for certificate storage, data service call authorization and charging to ensure that data calculation and utilization are legal and compliant; It provides functions such as calculating data, process verification and auditing, and data monitoring. To ensure the authenticity of the calculation process, the authenticity of the data and the quality of the data.
Moss Ant expects more partners to join in, realize its business growth through secure and compliant data cooperation, and provide more secure data cooperation solutions for the industry.
Product official website address: /products/MORSE (welcome to apply for trial)
Contact :morse@antfin.com.