{"title":"多个信用贷款平台反欺诈系统中的协同预测","authors":"Cheng Wang, Hao Tang, Hang Zhu, Changjun Jiang","doi":"10.1109/TDSC.2023.3334281","DOIUrl":null,"url":null,"abstract":"Anti-fraud engineering for online credit loan (OCL) platforms is getting more challenging due to the developing specialization of gang fraud. Associations are critical features referring to assessing the credibility of loan applications for OCL fraud prediction. State-of-the-art solutions employ graph-based methods to mine hidden associations among loan applications effectively. They perform well based on the information asymmetry which is guaranteed by the huge advantage of platforms over fraudsters in terms of data quantity and quality at their disposal. The inherent difficulty that can be foreseen is the data isolation caused by mistrust between multiple platforms and data control legislations for privacy preservation. To maintain the advantage owned by the platforms, we design a privacy-preserving distributed graph learning framework that ensures critical association repairs by merging parameter sharing and data sharing. Specially, we propose the association reconstruction mechanism (ARM) that consists of the devised exploration, processing, transmission and utilization schemes to realize data sharing. For parameter sharing, we design a hybrid encryption technique to protect privacy during collaboratively learning graph neural network (GNN) models among different financial client platforms. We conduct the experiments over real-life data from large financial platforms. The results demonstrate the effectiveness and efficiency of our proposed methods.","PeriodicalId":13047,"journal":{"name":"IEEE Transactions on Dependable and Secure Computing","volume":null,"pages":null},"PeriodicalIF":7.0000,"publicationDate":"2024-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"1","resultStr":"{\"title\":\"Collaborative Prediction in Anti-Fraud System Over Multiple Credit Loan Platforms\",\"authors\":\"Cheng Wang, Hao Tang, Hang Zhu, Changjun Jiang\",\"doi\":\"10.1109/TDSC.2023.3334281\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"Anti-fraud engineering for online credit loan (OCL) platforms is getting more challenging due to the developing specialization of gang fraud. Associations are critical features referring to assessing the credibility of loan applications for OCL fraud prediction. State-of-the-art solutions employ graph-based methods to mine hidden associations among loan applications effectively. They perform well based on the information asymmetry which is guaranteed by the huge advantage of platforms over fraudsters in terms of data quantity and quality at their disposal. The inherent difficulty that can be foreseen is the data isolation caused by mistrust between multiple platforms and data control legislations for privacy preservation. To maintain the advantage owned by the platforms, we design a privacy-preserving distributed graph learning framework that ensures critical association repairs by merging parameter sharing and data sharing. Specially, we propose the association reconstruction mechanism (ARM) that consists of the devised exploration, processing, transmission and utilization schemes to realize data sharing. For parameter sharing, we design a hybrid encryption technique to protect privacy during collaboratively learning graph neural network (GNN) models among different financial client platforms. We conduct the experiments over real-life data from large financial platforms. The results demonstrate the effectiveness and efficiency of our proposed methods.\",\"PeriodicalId\":13047,\"journal\":{\"name\":\"IEEE Transactions on Dependable and Secure Computing\",\"volume\":null,\"pages\":null},\"PeriodicalIF\":7.0000,\"publicationDate\":\"2024-07-01\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"1\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"IEEE Transactions on Dependable and Secure Computing\",\"FirstCategoryId\":\"94\",\"ListUrlMain\":\"https://doi.org/10.1109/TDSC.2023.3334281\",\"RegionNum\":2,\"RegionCategory\":\"计算机科学\",\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q1\",\"JCRName\":\"COMPUTER SCIENCE, HARDWARE & ARCHITECTURE\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"IEEE Transactions on Dependable and Secure Computing","FirstCategoryId":"94","ListUrlMain":"https://doi.org/10.1109/TDSC.2023.3334281","RegionNum":2,"RegionCategory":"计算机科学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q1","JCRName":"COMPUTER SCIENCE, HARDWARE & ARCHITECTURE","Score":null,"Total":0}
Collaborative Prediction in Anti-Fraud System Over Multiple Credit Loan Platforms
Anti-fraud engineering for online credit loan (OCL) platforms is getting more challenging due to the developing specialization of gang fraud. Associations are critical features referring to assessing the credibility of loan applications for OCL fraud prediction. State-of-the-art solutions employ graph-based methods to mine hidden associations among loan applications effectively. They perform well based on the information asymmetry which is guaranteed by the huge advantage of platforms over fraudsters in terms of data quantity and quality at their disposal. The inherent difficulty that can be foreseen is the data isolation caused by mistrust between multiple platforms and data control legislations for privacy preservation. To maintain the advantage owned by the platforms, we design a privacy-preserving distributed graph learning framework that ensures critical association repairs by merging parameter sharing and data sharing. Specially, we propose the association reconstruction mechanism (ARM) that consists of the devised exploration, processing, transmission and utilization schemes to realize data sharing. For parameter sharing, we design a hybrid encryption technique to protect privacy during collaboratively learning graph neural network (GNN) models among different financial client platforms. We conduct the experiments over real-life data from large financial platforms. The results demonstrate the effectiveness and efficiency of our proposed methods.
期刊介绍:
The "IEEE Transactions on Dependable and Secure Computing (TDSC)" is a prestigious journal that publishes high-quality, peer-reviewed research in the field of computer science, specifically targeting the development of dependable and secure computing systems and networks. This journal is dedicated to exploring the fundamental principles, methodologies, and mechanisms that enable the design, modeling, and evaluation of systems that meet the required levels of reliability, security, and performance.
The scope of TDSC includes research on measurement, modeling, and simulation techniques that contribute to the understanding and improvement of system performance under various constraints. It also covers the foundations necessary for the joint evaluation, verification, and design of systems that balance performance, security, and dependability.
By publishing archival research results, TDSC aims to provide a valuable resource for researchers, engineers, and practitioners working in the areas of cybersecurity, fault tolerance, and system reliability. The journal's focus on cutting-edge research ensures that it remains at the forefront of advancements in the field, promoting the development of technologies that are critical for the functioning of modern, complex systems.