FinTech digital solution to prevent online payments to criminal traders

防止向犯罪交易者在线支付的金融科技数字解决方案

• 批准号: 86174
• 金额: $ 12.74万
• 依托单位: VISTALWORKS LIMITED
• 依托单位国家: 英国
• 项目类别: Collaborative R&D
• 财政年份: 2020
• 资助国家: 英国
• 起止时间: 2020 至 无数据
• 项目状态: 已结题
• 来源: https://gtr.ukri.org/projects?ref=86174
• 关键词: FinTech; digital; solution; prevent; online

Governments and regulators set the rules of engagement for economic growth, environmental protection and funding of public services. Law enforcement agencies & the legal system ensures compliance.The majority of good, legitimate businesses follow these rules. They assume their share of responsibility for employees and social impacts, and pay associated costs and taxes. They make considerable investment into innovation, IP protection and regulatory compliance. This drives growth, which in turn funds public services and wider economic competitiveness.Criminal sellers and illicit traders do not follow the rules. They do not ensure product safety or legality, and do not pay tax, actual or social costs. They steal or negate the R&D investments of legitimate businesses, and undermine progress towards sustainability and economic. The revenues from illicit trade fund other criminal activities, rather than social good.This is not a fair fight, and legitimate businesses, citizens, communities and economies are the losers. The winners are organised criminal gangs -- illicit trade is the biggest funding source of organised crime (Source: UN, Europol, UK Police). And crime has moved online during COVID-19, using mainstream delivery services and ecommerce platforms, making it harder to detect and intercept. The UK's National Crime Agency and Europol have documented an increase in cybercrime, online criminal selling, fraud and illicit trading of counterfeit goods directly linked to those exploiting the chaos of the Covid-19 crisis.For post-COVID business recovery to be fair and sustainable, it is important that criminal sellers and illicit traders are detected and their unfair advantage over legitimate businesses is stopped.Vistalworks are experts in online illicit trade detection. We've built an AI system to reduce consumer demand for illicitly traded goods and provide intelligence to better focus law enforcement resources (used by HMRC, Police Scotland, and Trading Standards Scotland).This project brings a new capability to the business with global market potential, evolving our proposition from advisory to preventative, and introducing a completely new prototype technology that enables banks to block online payments to criminal sellers, and prevent the highest-risk transactions before they occur. This will reduce fraud, illegal financial flows and the associated service, refunds and chargeback costs.We'll achieves this by focusing on criminal sellers at the point of online transaction, warning payments providers and payments processors so that they can block, investigate or decline high risk transactions.Vistalworks has the potential to fuel sustainable economic recovery at a nationally and globally significant level, by reducing the 2019 $2.2trillion annual economic losses from illicit trade by up to £10billion per year and curbing the significant levels of climate-related emissions and pollution associated with black market sellers.When COP 26 comes to our home city of Glasgow in 2021, it is our ambition to present a solution than can be used by the world to tackle illicit trade and directly reduce the associated economic, social and environmental harms.

政府和监管机构为经济增长、环境保护和公共服务融资制定参与规则。执法机构和法律体系确保合规。大多数良好、合法的企业都遵循这些规则。他们承担对员工和社会影响的责任，并支付相关的成本和税收。他们在创新、知识产权保护和监管合规方面进行了大量投资。这将推动经济增长，进而为公共服务和更广泛的经济竞争力提供资金。犯罪卖家和非法交易者不遵守规则。他们不保证产品的安全性或合法性，也不缴纳税收、实际成本或社会成本。它们窃取或否定了合法企业的研发投资，并破坏了可持续发展和经济发展的进程。非法贸易的收入用于资助其他犯罪活动，而不是社会公益。这不是一场公平的斗争，合法的企业、公民、社区和经济体都是输家。赢家是有组织的犯罪团伙——非法贸易是有组织犯罪的最大资金来源（资料来源：联合国、欧洲刑警组织、英国警方）。在2019冠状病毒病期间，犯罪活动已经转移到网上，利用主流快递服务和电子商务平台，使其更难被发现和拦截。英国国家犯罪局（National Crime Agency）和欧洲刑警组织（Europol）记录了网络犯罪、在线犯罪销售、欺诈和非法假冒商品交易的增加，这些行为与利用新冠肺炎危机造成的混乱直接相关。为了使疫情后的业务恢复公平和可持续，重要的是要发现犯罪卖家和非法贸易商，并阻止他们对合法企业的不公平优势。Vistalworks是在线非法贸易检测方面的专家。我们建立了一个人工智能系统，以减少消费者对非法交易商品的需求，并提供情报，以更好地集中执法资源（由HMRC， Police Scotland和Trading Standards Scotland使用）。该项目为具有全球市场潜力的业务带来了新的能力，将我们的主张从咨询发展为预防，并引入了一种全新的原型技术，使银行能够阻止犯罪卖家的在线支付，并在风险最高的交易发生之前进行预防。这将减少欺诈、非法资金流动以及相关服务、退款和退款成本。我们将通过关注在线交易中的犯罪卖家来实现这一目标，警告支付提供商和支付处理商，以便他们能够阻止、调查或拒绝高风险交易。Vistalworks有潜力通过将2019年因非法贸易造成的2.2万亿美元的年度经济损失每年减少高达100亿英镑，并遏制与黑市卖家相关的大量气候相关排放和污染，推动国家和全球的可持续经济复苏。当2021年第26届缔约方大会在我们的家乡格拉斯哥举行时，我们的目标是提出一个解决方案，让全世界都能利用它来解决非法贸易问题，并直接减少相关的经济、社会和环境危害。