Fraud signals of provable origin.
Five sectors share fraud signals without a central database. Built for the Ministry of Justice and Security.
Pieter Den Dooven
CTO, mintBlue
Challenge
The signals to stop online fraud exist, but they sit in separate organisations that cannot share them without a legal basis.
Solution
Each organisation keeps its own data. What it shares is a signal: the minimum another party needs, encrypted for the organisations entitled to it.
Impact
- 5 sectorsBank, payment provider, webshop, parcel carrier and police
- ZeroCentral databases of fraud data
- ProvenanceThe origin of every signal can be proven
Fraud Hides in the Gaps Between Organisations
The signals to stop online fraud exist, but they sit in separate organisations that cannot share them without a legal basis.
- No shared way to tell where a fraud signal came from
- Legal basis for cross-sector personal data sharing does not exist
- Data sovereignty concerns prevent simple data pooling
- Fraudsters exploit the gaps between sectors, operating undetected across jurisdictions
The Vision
“Let organisations pass fraud signals to each other while each keeps its own data, and make the origin of every signal provable, so the next party knows what it can rely on.”
Signals With Proof of Origin
Signals Stay at the Source
Each organisation keeps its own data. What it shares is a signal: the minimum another party needs, encrypted for the organisations entitled to it.
Signed by the Sender
Every signal carries the signature of the organisation that shared it and the time it did so, so the receiver knows where it came from.
Shared on Agreed Rules
Which signals may go to whom is agreed up front with the participants.
Audit Trail of Every Exchange
Who shared which signal, with whom and when is recorded in a tamper-evident audit trail that a supervisor can check afterwards.
What It Delivers
Beyond Sharing Signals
Organisations can also learn that they hold the same case without handing over their records, through multi-party computation on the same event stream. The same building blocks fit other partnerships where organisations act on each other's signals, such as anti-money-laundering cooperation.
Share Signals, Prove Their Origin
Talk to us about the signals your organisation needs from others, and what it may share in return.