CN101706930A - Ontology-based anti-money laundering early-warning method - Google Patents
Ontology-based anti-money laundering early-warning method Download PDFInfo
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Abstract
The invention relates to an ontology-based anti-money laundering early-warning method, comprising the following steps: (1) building an anti-money laundering ontology composed of a client information ontology, a financial institution information ontology and a transaction information ontology, and linking the client information ontology, the financial institution information ontology and the transaction information ontology into the anti-money laundering ontology by constraint conditions; (2) building databases including a transaction flow database, a CBR case database, a law and regulation rule database and an auxiliary database; and (3) retrieving the ontology, discriminating the large-sum transactions and the suspicious transactions through operation, classifying the levels of risk by CBR and generating the report files. The method has the beneficial effect of providing convenience for anti-money laundering work, thus not only increasing the correct rate of anti-money laundering work but also greatly improving the working efficiency of the financial institutions.
Description
Technical field
The present invention relates to ontology and CBR reasoning by cases technology, mainly is a kind of based on ontological anti money washing method for early warning.
Background technology
How effectively to take precautions against and hit money-laundering, become a hot issue of current social.At present the anti money washing means of China mainly be to client identity discern and block trade and suspicious transaction system such as report.In the anti money washing operating process of reality, can be faced with many difficulties, main problem is at present: the suspicious description of suspicious transaction reporting system is clear and definite inadequately, under the framework of money-laundering law, how to set up concrete anti money washing workflow, suspicious discrimination standard and anti money washing work carry out problems such as how refinement; Though financial institution is the Automatic Extraction software of mostly existing block trade at present, it is the condition filter by machinery, is easy to be utilized by the offender; Suspicious transaction also rests on counter service person's artificial discriminating aspect, not only can be because of the artificial origin cause mistake, and even more serious is the work efficiency that has influenced financial institution.
Native system be exactly utilize body and based on the reasoning of case (Case-Based Reasoning, CBR) technology is set up a cover anti money washing early warning system, can finish automatically the identification of client identity and reporting of block trade and suspicious transaction; And All Activity carried out feature extraction, and screen by the case library and the inference mechanism of native system, danger classes is carried out in transaction divide and provide alert at suspicious transaction.So not only improved the work efficiency of financial institution but also solved and current an indefinite difficult problem has been described in suspicious transaction.
Summary of the invention
The objective of the invention is to solve the deficiency of present China anti money washing technical elements, provide a kind of based on ontological anti money washing method for early warning.
The present invention solves the technical scheme that its technical matters adopts.This based on ontological anti money washing method for early warning, comprise the steps:
(1), sets up the anti money washing body, the anti money washing body is made up of customer information body, financial institute information body and three sub-bodies of Transaction Information body, is an anti money washing body by constraint condition with customer information body, financial institute information body and the contact of Transaction Information body;
(1.1), the client is divided into nature person client and corporate client, essential information to the client is registered, kind, number, the valid period of extracting number of the account, name, sex, nationality, occupation, home address, contact method and the proof of identification of nature person's account are that feature is set up the customer information body, and the information of the legal representative in corporation account's information is reused nature person's information;
(1.2), extract financial institution title, to be subordinate to unit, address and site code name be that feature is set up the financial institute information body;
(1.3), extracting serial number, financial grid point, account, dealing money, Currency Type, means of exchange, type of transaction, exchange hour, source of fund and use of funds is that feature is set up the Transaction Information body;
(2), set up database, comprise transaction journal database, CBR case library, laws and regulations rule base and four databases of auxiliary data base;
(2.1), the foundation of transaction journal database, with transaction journal import transaction flowing water database in batches, transfer database information to the body form by semantic tagger and extract function again;
(2.2), the foundation of CBR case library, comprise data-interface; The retrieval of Transaction Information feature and reasoning; Obtaining of transaction feature; By wholesale or the suspicious Transaction Information feature input system that data-interface part one side user will investigate, will screen the result on the other hand and return the user, and form the standard queries collection, this query set is the problem description of case, i.e. the target case; By retrieval module, reasoning module retrieves similar Case collection from the Case storehouse then, returns to the user after packing; Obtaining of Transaction Information feature is meant that from the relevant Transaction Information feature of Internet extracting utilize body to mark then, markup information is stored in the anti money washing case library as case after extracting the most at last;
(2.3), the foundation of laws and regulations rule base, by from various resources, obtaining the relevant laws and regulations of anti money washing from function of search, put into effect or rules when adjusting as new policy, remind the user that operation rule or parameter are adjusted;
(2.4), the foundation of auxiliary data base, store the resource of confidentiality into auxiliary data base;
(3), body is retrieved, by computing examination block trade and suspicious transaction; Divide risk class by CBR, and generate reporting file.
As preferably, in setting up anti money washing body step, the special concern list is set, the source of list is law enforcement agency and estimates the indicating risk information that the anti money washing tissue is regularly announced, customer information is contrasted with it take precautions against the excessive risk client.
The effect that the present invention is useful is:
1. native system foundation is based on body.
2. set up CBR case library, block trade rule base, auxiliary data base, determine the special concern list.In conjunction with the anti money washing body client identity information, Transaction Information feature (being primarily aimed at block trade, suspicious transaction) are carried out semantic tagger according to existing typical money laundering case, extract these information and store the CBR case library into as case; Extract examination block trade operation rule according to existing laws and regulations, set up the block trade rule base; According to existing resource, organize definite special concern lists such as blacklist of having announced as international anti money washing; When special requirement, obtain relevant departments and authorize, call information such as crime database, customs's database, industrial and commercial database, store auxiliary data base into, can solve the sharing problem of sensitive information.
3. data acquisition module.This module is mainly finished obtaining of Transaction Information feature and relevant laws and regulations knowledge, promptly grasp relevant information from Internet, carry out semantic tagger then, markup information extracts the back and is stored in anti money washing case library or block trade rule base or special concern list as case the most at last, make it have the self-study function, can be upgraded in time.
4. develop the reasoning module of anti money washing early warning and supervisory system system.Customer information and special concern list are compared, draw the customer risk assessment result; By the CBR technology transaction feature is carried out reasoning and screens suspicious transaction, by giving the corresponding weights ratio to different Transaction Information features, calculate the suspicious grade of determining transaction with the similarity degree of existing case, be saved in the CBR case library, reach self-learning function with stylish case; Transaction Information by the block trade rule-based reasoning after, screen out block trade; The evaluation result of comprehensive three aspects draws the risk class evaluation.
5. develop anti money washing early warning and supervisory system module.When the high transaction of risk class occurring, provide alert.
6. according to China law storage client identity authentication information and Transaction Information, and utilize in addition semantic tagger and storing in the anti money washing case library of system of body, can be the administration of justice in case of necessity, controlling unit produces evidence.
7. development data is reported and submitted module.Finish transmission of Information, comprise that early warning, anti money washing functional module such as handle, report.
To sum up, find that not so native system can be anti money washing work and facilitates, not only improved the accuracy of anti money washing work, also can greatly improve the work efficiency of financial institution.
Description of drawings
Fig. 1 is the synoptic diagram of anti money washing body.
Fig. 2 is a synoptic diagram of setting up the anti money washing case library.
Fig. 3 is a synoptic diagram of setting up rule base.
Fig. 4 is an operation flow framework synoptic diagram of the present invention.
Fig. 5 is a construction framework synoptic diagram of the present invention.
Embodiment
The present invention is further detailed explanation below in conjunction with drawings and Examples.
This based on ontological anti money washing method for early warning, may further comprise the steps:
(1) sets up anti money washing body (with reference to Fig. 1).The anti money washing body is made up of three sub-bodies: customer information body, financial institute information body and Transaction Information body.We select with owl form storage body.
Can set up and implement client identity identification system according to " financial institution's client identity identification and customer identification information and transaction record are preserved management method ", " financial institution's anti money washing regulation " and laws and regulations such as " People's Republic of China's money-laundering laws ".Its objective is that making bank carry out which kind of transaction to the client to a certain extent makes anticipation, thereby whether assist financial institution to differentiate transaction potential suspicious.The client is divided into nature person client and corporate client, according to relevant regulations, client's essential information is registered.As the kind, number, valid period etc. of extracting number of the account, name, sex, nationality, occupation, home address, contact method and the proof of identification of nature person's account are set up the customer information body for feature.The information of legal representative in corporation account's information can be reused nature person's information.
In view of the above, the special concern list can be set, the source of list mainly is law enforcement agency and estimates the indicating risk information that the anti money washing tissue is regularly announced.Customer information contrasted with it can take precautions against the excessive risk client.
Extract financial institution title, to be subordinate to unit, address and site code name be that feature is set up the financial institute information body.Two kinds of roles mainly serve as in financial institution in every transaction: mark row and receive row.
Extracting serial number, financial grid point, account, dealing money, Currency Type, means of exchange (cash, credit card etc.), type of transaction (change over to and produce), exchange hour, source of fund and use of funds is that feature is set up the Transaction Information body.
Because any transaction all will have transaction agent (client), transaction carrier (financial institution) and trading activity, be an anti money washing body so customer information body, financial institute information body and Transaction Information body can be got in touch by constraint condition.
(2) set up database.Database of the present invention mainly contains four: transaction journal database, CBR case library, laws and regulations rule base and auxiliary data base.
The transaction journal database.Because transaction all generates a transaction journal in financial institution, this transaction journal exists with structuring and unstructured data, write body if single transaction all existed with the example of body, because trading volume is huge, will certainly influence the arithmetic speed of system and increase the weight of the structure workload of body, therefore with transaction journal importing database in batches, transfer database information to body form (we select the owl form) by semantic tagger and extract function again.
CBR case library (with reference to Fig. 2). case library establish following a few part: data-interface; The retrieval of Transaction Information feature and reasoning; Obtaining of transaction feature. specifically, the main information interaction of being responsible for of data-interface part, wholesale or suspicious Transaction Information feature input system that the one side user will investigate, system will screen the result and return the user on the other hand. the information that data-interface partly is delivered to system by pre-service after, (this query set is the problem description of case to form the standard queries collection, be the target case). pass through retrieval module then, reasoning module retrieves similar Case collection from the Case storehouse, after packing, returning to the user. above function is partly to be realized with reasoning by the Transaction Information characteristic key. obtaining of Transaction Information feature is meant from the relevant Transaction Information feature of Internet last (comprising Chinese FIU database) extracting, utilize body to mark then, markup information is stored in the anti money washing case library as case after extracting the most at last.
Laws and regulations rule base (with reference to Fig. 3).By similar as above from various resources, obtain the relevant laws and regulations of anti money washing from function of search, put into effect or rules when adjusting as new policy, remind the user that operation rule or parameter are adjusted.For example, second section of the 9th regulation in " financial institution's block trade and suspicious transaction reporting management method ": " legal person; between its hetero-organization and the self-employed entrepreneur's bank account single or the same day accumulative total Renminbi more than 2,000,000 yuan or the equivalent fund more than 200,000 dollars of foreign currency transfer " should report following block trade to Chinese anti money washing monitoring analysis center for financial institution, therefrom can obtain such rule: " exchange hour is on the same day; if draw the account account and receive account all be the corporation account, is judged to be block trade when dealing money accumulative total surpassed 2,000,000 yuan or Currency Type and is foreign currency when Currency Type was Renminbi during 200,000 dollars of dealing money equivalences ".
Auxiliary data base.When special requirement, when calling information such as crime database, customs's database, industrial and commercial database as needs, need to obtain relevant departments and authorize, store similar resource into auxiliary data base with confidentiality.Because China does not set up multidisciplinary information sharing, the convergence platform about anti money washing as yet at present, auxiliary data base can solve the sharing problem of sensitive information.
(3) write the program that body is retrieved.
This program major function is as follows:
1. body is retrieved (the present invention is directed to the owl file), screen block trade and suspicious transaction by computing.
2. finishing being connected of body and database, mainly is the conversion between owl file layout and the database format.
3. divide risk class by CBR, and generate reporting file.
4. realization query function.
Operation flow explanation of the present invention: (with reference to Fig. 4)
1, obtains transaction journal (have off-line and online two kinds) by data-interface from the basic bank service system, and deposit transaction journal in the transaction journal database;
2, the transaction journal in the transaction journal database is carried out semantic tagger, as an example import transaction information body;
3, as follows to the retrieval inference step of body:
Customer information and special concern list are compared, by as the comparison of features such as " name ", " number of the account " judge whether current client is the special concern client, thereby obtain the customer risk assessment result;
By the CBR technology Transaction Information is carried out reasoning.The illegal transaction mobile, money laundering of illegal fund has many common features.Extract user profile; Dealing money (quantity, currency type); Exchange hour; Trading frequency; The similarity that type of transaction transaction features such as (change over to, produce) calculates current transaction and case obtains suspicious transaction examination result, stores the result into the CBR case library as new case simultaneously.Such as one day same account change over to and produce many block trades, trading frequency is too high, the excessive basis of dealing money in the past experience exist suspicious;
Transaction Information is screened by the block trade rule, obtain block trade and screen the result;
Comprehensive Assessment three aspect results (needing to call auxiliary data base sometimes) obtain the risk class evaluation;
4, finish early warning automatically and data are reported and submitted.
Example of the present invention is with reference to Fig. 5, and emphasis of the present invention is three parts: set up the anti money washing body; Set up database; Programming.
The present invention uses body to make up software prot é g é and makes up the anti money washing ontology library, and the middle reasoning software racer that uses carries out reasoning to body, finds logic and mistake semantically, improves body.
The present invention sets up the database link and uses by plug-in unit and can realize that the MySQL that better docks makes up with eclipse, the Jena kit that uses the HP Lab exploitation is finished read-write operation and format conversion between owl file and the database as API, and being connected of body and database.
Programming of the present invention uses the Jena kit and the Eclipse Integrated Development Environment of HP Lab exploitation based on the Java platform.
Above-mentioned embodiment and embodiment; just for a kind of embodiment of principle of the present invention is described; but protection scope of the present invention is not limited thereto; anyly be familiar with those skilled in the art; in the technical scheme of public publish of the present invention; small improvement variation and the adaptability revision that can expect easily all should be encompassed within protection scope of the present invention.Therefore, protection scope of the present invention is as the criterion with the claim instructions.
Claims (2)
1. one kind based on ontological anti money washing method for early warning, it is characterized in that: comprise the steps:
(1), sets up the anti money washing body, the anti money washing body is made up of customer information body, financial institute information body and three sub-bodies of Transaction Information body, is an anti money washing body by constraint condition with customer information body, financial institute information body and the contact of Transaction Information body;
(1.1), the client is divided into nature person client and corporate client, essential information to the client is registered, kind, number, the valid period of extracting number of the account, name, sex, nationality, occupation, home address, contact method and the proof of identification of nature person's account are that feature is set up the customer information body, and the information of the legal representative in corporation account's information is reused nature person's information;
(1.2), extract financial institution title, to be subordinate to unit, address and site code name be that feature is set up the financial institute information body;
(1.3), extracting serial number, financial grid point, account, dealing money, Currency Type, means of exchange, type of transaction, exchange hour, source of fund and use of funds is that feature is set up the Transaction Information body;
(2), set up database, comprise transaction journal database, CBR case library, laws and regulations rule base and four databases of auxiliary data base;
(2.1), the foundation of transaction journal database, with transaction journal import transaction flowing water database in batches, transfer database information to the body form by semantic tagger and extract function again;
(2.2), the foundation of CBR case library, comprise obtaining of the retrieval of data-interface, Transaction Information feature and reasoning, transaction feature; By wholesale or the suspicious Transaction Information feature input system that data-interface part one side user will investigate, will screen the result on the other hand and return the user, and form the standard queries collection, this query set is the problem description of case, i.e. the target case; By retrieval module, reasoning module retrieves similar Case collection from the Case storehouse then, returns to the user after packing; Obtaining of Transaction Information feature is meant that from the relevant Transaction Information feature of Internet extracting utilize body to mark then, markup information is stored in the anti money washing case library as case after extracting the most at last;
(2.3), the foundation of laws and regulations rule base, by from various resources, obtaining the relevant laws and regulations of anti money washing from function of search, put into effect or rules when adjusting as new policy, remind the user that operation rule or parameter are adjusted;
(2.4), the foundation of auxiliary data base, store the resource of confidentiality into auxiliary data base;
(3), body is retrieved, by computing examination block trade and suspicious transaction; Divide risk class by CBR, and generate reporting file.
2. according to claim 1 based on ontological anti money washing method for early warning, it is characterized in that: in setting up anti money washing body step, the special concern list is set, the source of list is law enforcement agency and estimates the indicating risk information that the anti money washing tissue is regularly announced, customer information is contrasted with it take precautions against the excessive risk client.
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| CN102270334A (en) * | 2011-09-08 | 2011-12-07 | 成都讯业科技有限公司 | Safety management method and system for financial service |
| CN104813355A (en) * | 2012-08-27 | 2015-07-29 | Y-S·宋 | Transactional monitoring system |
| CN105243588A (en) * | 2015-10-28 | 2016-01-13 | 王帅 | Analysis method for insider trading behaviors of securities markets |
| CN105407163A (en) * | 2015-11-30 | 2016-03-16 | 中国建设银行股份有限公司 | Data processing system and method for anti-money laundering processing |
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| CN110659989A (en) * | 2019-09-10 | 2020-01-07 | 马洪富 | Active exploration type compliance anti-money laundering method, device, system and storage medium |
| CN111125185A (en) * | 2019-11-25 | 2020-05-08 | 泰康保险集团股份有限公司 | Data processing method, device, medium and electronic equipment |
| CN111859956A (en) * | 2020-07-09 | 2020-10-30 | 睿智合创(北京)科技有限公司 | Address word segmentation method for financial industry |
| CN111859956B (en) * | 2020-07-09 | 2021-08-27 | 睿智合创(北京)科技有限公司 | Address word segmentation method for financial industry |
| CN112561696A (en) * | 2020-11-20 | 2021-03-26 | 四川新网银行股份有限公司 | Anti-money laundering system and method based on machine learning |
| CN112561696B (en) * | 2020-11-20 | 2023-06-23 | 四川新网银行股份有限公司 | Machine learning-based money backwashing system and method |
| CN117829994A (en) * | 2023-12-29 | 2024-04-05 | 东华软件股份公司 | Money laundering risk analysis method based on graph calculation |
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