CULedger 如何利用 Hyperledger Indy 保护信用合作社免受欺诈
公司规模
1,000+
地区
- America
国家
- United States
产品
- MemberPass
- Hyperledger Indy
- Digital Trust Registry
技术栈
- Blockchain
- Distributed Ledger Technology
- Decentralized Identity Solution
实施规模
- Enterprise-wide Deployment
影响指标
- Cost Savings
- Customer Satisfaction
- Productivity Improvements
技术
- 应用基础设施与中间件 - 区块链
- 网络安全和隐私 - 身份认证管理
适用行业
- 金融与保险
适用功能
- 商业运营
用例
- 欺诈识别
- 监管合规监控
服务
- 软件设计与工程服务
- 系统集成
关于客户
CULedger 是一家信用合作社服务组织 (CUSO)，由信用合作社联盟于 2016 年成立。该组织成立的目的是应对日益严重的欺诈威胁，尤其是在呼叫中心渠道。CULedger 致力于将其成员的需求和利益放在首位，并关注其成员个人身份信息的隐私。该联盟启动了一项研究行动项目，旨在为其成员寻找更安全的反欺诈解决方案，巧合的是，与此同时，围绕区块链和加密货币的炒作也在稳步增加。
挑战
信用合作社越来越多地成为欺诈者的目标，尤其是通过呼叫中心渠道。传统的基于知识的身份验证问题变得脆弱，导致账户接管攻击增加。会员身份验证过程涉及呼叫中心、免下车服务和大厅等各种接触点，过程分散且耗时，很容易成为欺诈者的目标，并给消费者带来挫败感。挑战在于找到一种更安全的反欺诈解决方案，可以简化身份验证流程、降低运营成本并改善会员体验。
解决方案
CULedger 利用分布式账本软件项目 Hyperledger Indy 实施了去中心化身份解决方案。这促成了 MemberPass 的诞生，这是信用合作社成员持有的数字身份凭证，可保护信用合作社及其成员免受所有金融互动中的身份盗窃和欺诈。MemberPass 提供永久且可移植的数字身份，可减少成员之间的摩擦，并为信用合作社内的数字互动注入更多信任。该解决方案简化了各个接触点的初始成员身份验证流程，将流程从长达五分钟缩短到 15 秒或更短。MemberPass 还拥有双向加密通信功能，允许成员验证信用合作社员工的身份。
运营影响
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