CN1831864A - Monitoring and control system of affairs risk and management server - Google Patents
Monitoring and control system of affairs risk and management server Download PDFInfo
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- CN1831864A CN1831864A CN 200510107573 CN200510107573A CN1831864A CN 1831864 A CN1831864 A CN 1831864A CN 200510107573 CN200510107573 CN 200510107573 CN 200510107573 A CN200510107573 A CN 200510107573A CN 1831864 A CN1831864 A CN 1831864A
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Abstract
In the business risk monitoring system with management server, the management server in the financial institution headquarter is used in monitoring the businesses and operations of all the window terminals, and this can reduce monitoring business burden and avoid business risk effectively. The business risk monitoring system includes window terminals for financial businesses, database equipment for acquiring the businesses and operations of all the window terminals and logging on, management server for analyzing the statistic information of the businesses and operations, headquarter terminal for monitoring the business risk in the window terminals, and chief manager terminal for monitoring the business risk in the window terminals. In case that the management server finds out some abnormality, it will inform the headquarter terminal and the chief manager terminal.
Description
Technical field
The present invention relates to a kind of monitoring and control system of affairs risk and management server.
Background technology
The formality of regulation such as checking of the seal of in financial institutions such as bank, post office, credit national treasury, depositing in the past,, withdraw the money, client authenticates, bankbook is charged to item affirmation must strictness be carried out in financial transaction such as account transfer, being logined.(for example) with reference to patent documentation 1 thus, the transaction error in just can preventing to conclude the business.
, client for convenience, for example, sometimes the client who has the periodicity transaction relationship for a long time by the phone designated deposit, withdraw the money, under the situation of financial transaction such as account transfer, the staff of financial institution just carries out above-mentioned financial transaction.Such financial transaction is handled in financial institution as the transaction of making an exception usually.That is: handle regulation formality such as affix one's seal, certificate is charged to another day more afterwards.Handle according to normal transaction., because the above-mentioned transaction of making an exception is a kind of transaction with risk in essence, so have various regulation strictnesses to manage in financial institution.
Usually,, comprise such as the transaction of no seal or do not have the transaction of making an exception such as authority transaction in financial institution, risky transaction such as block trade, bill check trading, all the use and management table manages in each branch.At this moment, the risky transaction content that carries out in each branch, by office workers such as the cashier who carries out this transaction (Teller), responsible officials concerning foreign affairs, promptly be recorded in above-mentioned admin table by operating personnel, by the people of the management job in each branch, divide higher level's authority people such as shopkeeper to confirm to hold certain certain looking over so as to check at interval, and check as required.In view of the above, higher level's authority people in each branch just can manage the risky transaction in this branch, that is: can the monitor both transactions risk, avoid the generation of risk and as required the branch is instructed.
[patent documentation 1] Jap.P. Publication Laid-Open 2001-338124 communique
Yet the affirmation that just is limited to usually in the branch is checked in looking over so as to check of above-mentioned admin table.Therefore, compartment for crew is easy to generate " custom " ideas such as " should be out of question ", therefore is difficult to find transactional mistake and devious conduct in the transaction.
In addition, because above-mentioned admin table is made of paper media, therefore is difficult to trace back to over verify risky transaction content, and expends time in and energy.Therefore, the monitoring for above-mentioned transaction just becomes lip-deep thing, the generation that is difficult to effectively control risk easily.And in a single day above-mentioned monitoring becomes lip-deep thing, just can not bring into play the pin in effect at operating personnel's improper business.
In addition, owing to above-mentioned admin table is made of paper media, and all use every day, so be difficult to take out from corresponding branch, the supvr that the person in charge of financial institution etc. is under the jurisdiction of general headquarters of financial institution can not in time check above-mentioned admin table.Therefore, just can not appoint higher level authority person specially, just can't carry out unified management risky transaction as financial institution to corresponding branch for the monitoring of the risky transaction of carrying out in each branch.In addition, also have the inspection of transactional mistake in the transaction and devious conduct to be difficult to find the problem of exceptional value and so on because do not introduce statistical method.
Summary of the invention
The present invention for solve above-mentioned in the past problem points and finish, its objective is provides a kind of monitoring and control system of affairs risk and management server.By unified monitoring being carried out in the transaction that window terminal carried out in each business shop of operation financial institution and the operation history of window terminal by the management server in the general headquarters of financial institution, just can alleviate the professional burden that is used to monitor, and can also avoid the generation of risk in financial institution's transaction reliably in respectively the do business business tine in shop of general headquarters monitoring.
For this reason, a technical scheme of the present invention provides a kind of monitoring and control system of affairs risk, has: be arranged on financial institution the business shop, be used to carry out the window terminal of the operation that financial transaction uses; Be arranged on above-mentioned financial institution general headquarters, obtain the resume of financial transaction or operation and the data library device of logining from above-mentioned window terminal; Be arranged on the general headquarters, the above-mentioned data library device of visit of above-mentioned financial institution management server with the statistical information of the resume of analyzing above-mentioned financial transaction or operation; Be arranged on the general headquarters of above-mentioned financial institution, general headquarters' terminal of the affairs risk in the above-mentioned business of the monitoring shop; And be arranged on above-mentioned financial institution the business shop, monitor person in charge's terminal of the affairs risk in this business shop, wherein, above-mentioned management server is based on found that after the above-mentioned statistical information analysis when unusual, be notified to above-mentioned general headquarters terminal and be responsible for terminal.
And then, in the described monitoring and control system of affairs risk of the invention described above technical scheme, have: the responsible official's terminal that is arranged on the business shop of above-mentioned financial institution, operates by the responsible official, wherein, the date of the transaction of making an exception of interim subpoena has been used in above-mentioned management server admin, gives above-mentioned general headquarters terminal, is responsible for terminal and responsible official's terminal for overdue exceptionally transaction or the expired Notice Of Transactions of making an exception.
And then, in the described monitoring and control system of affairs risk of the invention described above technical scheme, the statistical information of the financial transaction that above-mentioned management server analysis frequency is lower.
And then, in the described monitoring and control system of affairs risk of the invention described above technical scheme, above-mentioned window terminal possesses the function of modification from the input data of the magnetic stripe of bankbook or card, and above-mentioned management server is analyzed the statistical information of above-mentioned modification from the operation of the input data of magnetic stripe.
And then in the described monitoring and control system of affairs risk of the invention described above technical scheme, above-mentioned window terminal has seal and checks function, and above-mentioned management server is analyzed the statistical information that seal is checked.
And then in the described monitoring and control system of affairs risk of the invention described above technical scheme, above-mentioned window terminal has the character recognition function, and above-mentioned management server is analyzed the statistical information of character recognition.
A technical scheme of the present invention provides a kind of management server of affairs risk monitoring usefulness, this management server is arranged on the management server of general headquarters of financial institution, visit is from being arranged on the business shop of above-mentioned financial institution, the window terminal that is used to carry out the operation that financial transaction uses is obtained the resume of financial transaction or operation and the data library device of logining, statistical information with the resume of analyzing above-mentioned financial transaction or operation, based on to found that after this statistical information analysis when unusual, be notified to the general headquarters that are arranged on above-mentioned financial institution, monitor general headquarters' terminal of the affairs risk in the above-mentioned business shop, perhaps be notified to the business shop that is arranged on above-mentioned financial institution, monitor person in charge's terminal of the affairs risk in this business shop.
According to the present invention, unified monitoring is carried out in the transaction that window terminal carried out in each business shop of operation financial institution and the operation history of window terminal by the management server of our department of financial institution.In view of the above, just can alleviate the professional burden that is used to monitor, and can monitor the business tine in the shop of respectively doing business, can also avoid the generation of risk in financial institution's transaction reliably in general headquarters.
Description of drawings
Fig. 1 is the concept map that the monitoring and control system of affairs risk in expression the 1st embodiment of the present invention constitutes.
Fig. 2 is the concept map that the monitoring and control system of affairs risk in expression the 2nd embodiment of the present invention constitutes.
Fig. 3 is the concept map that the monitoring and control system of affairs risk in expression the 3rd embodiment of the present invention constitutes.
Fig. 4 is the figure that the database in expression the present invention the 1st embodiment constitutes.
Embodiment
Following one side describes embodiments of the present invention on one side in detail with reference to accompanying drawing.
Fig. 1 is the concept map that the monitoring and control system of affairs risk in expression the present invention the 1st embodiment constitutes, and Fig. 4 is the figure that the database in expression the 1st embodiment of the present invention constitutes.
Among the figure, the 10th, monitoring and control system of affairs risk is to be used for the possibility of the affairs risk of financial institutions such as bank, post office, credit national treasury is monitored the system that just monitors.
At this, above-mentioned affairs risk is along with the issued transaction in financial institution, promptly operates and takes place, and brings tangible invisible loss to financial institution.And above-mentioned affairs risk comprises the faults such as simple mistake of operation in carrying out, as the staff's of financial institution operator illegal, in violation of rules and regulations etc. illegal deliberate escape is handled, criminal offence such as bring out swindle wrong on the affairs, steal.In the present embodiment, make an exception a kind of no seal payment of transaction or the situation of the different payment of seal of the conduct of using interim subpoena 16 to be carried out with regard to monitoring describes.
In this case, above-mentioned monitoring and control system of affairs risk 10 is by being arranged on as the sales office system 11 in the business shop in each branch of financial institution with in the home office of financial institution, the deployment of the possibility of operation center's monitor both transactions risk, promptly being made up of the system of general headquarters 20 that is arranged on general headquarters.At this, above-mentioned sales office system 11 possesses conduct operation that the operating personnel such as cashier that are configured in above-mentioned business shop window operate for the operation of the carrying out relevant financial transaction window terminal 12 with terminal, as the management job in above-mentioned business shop, divide gerentocratic person in charge such as shopkeeper to monitor the person in charge terminal 13 of the conduct management of the operation usefulness in the business shop with terminal, and responsible official's terminal 14 of using of responsible official.And above-mentioned window terminal 12, person in charge's terminal 13 and responsible official's terminal 14 can couple together mutually communicatedly by the business shop LAN (Local AreaNetwork) 17 as business shop internal network.In addition, above-mentioned sales office system 11 has a plurality of window terminals 12 usually, is responsible for terminal 13 and responsible official's terminal 14.
At this, above-mentioned sales office system 11 and system of general headquarters 20 can couple together mutually communicatedly by network 28.LAN, the WAN dedicated communication line nets such as (Wide Area Network) that this network 28 is made up of dedicated communication line etc., also can connect communicatedly the online treatment financial sector financial business do not have an illustrated settlement system epigyny device as main frame.In view of the above, above-mentioned window terminal 12 can be visited above-mentioned settlement system epigyny device, carries out the online treatment of the financial transaction in the business shop.
In addition, a kind of computing machine that above-mentioned window terminal 12 is arranged on windows such as honored guest's window in business shop, common window, is operated by the operating personnel of financial institutions such as cashier, have arithmetic units such as CPU, MPU, memory unit such as semiconductor memory, magnetic card, input block such as keyboard, mouse, display unit such as CRT, liquid crystal display, communication interface etc.The electric charge coupling unit) and then above-mentioned window terminal 12 possesses CCD (Charge Coupled Device: shooting part and be connected with the scanner 15 that is used for reads image data such as.And this scanner 15 is used to read the view data of relevant financial transaction subpoena.At this, wish to replace the authentication lettering that utilizes the authentication lettering of conventional printer and adopt utilization directly to scan.In view of the above, because attached and flowing water numbering are serial number in financial transaction separately, so retrieve above-mentioned financial transaction easily.
In this case, above-mentioned subpoena for example is exactly the subpoena of withdrawing the money, transfer voucher etc. of the regular savings account made of the client of financial institution or aforesaid operations personnel.Writing down account number, the amount of money, Customer Name etc. and by the login seal is arranged.In addition, above-mentioned subpoena is also included within financial transaction and satisfies the interim subpoena 16 that adds under the situation of important document of regulation.At this, this interim subpoena 16 is to have affairs risk like that such as convenient disposal and under the situation of the financial transaction that should monitor, be additional to the common subpoena of relevant this financial transaction in financial transaction.Also have, in the interim subpoena 16, as the subpoena ID of identifying information with carry out such as mark, numeral, the such forms such as code of bar code attached with.
For example, the client who has the periodicity transaction relationship for a long time by the phone designated deposit, withdraw the money, during financial transaction such as account transfer, client for convenience, operating personnel carry out above-mentioned financial transaction sometimes.At this moment, operating personnel make subpoenas such as deposit subpoena, the subpoena of withdrawing the money, transfer voucher.Also have, on this subpoena, do not have seal by seal.Next, the aforesaid operations personnel make and represent that above-mentioned financial transaction is that the convenient interim subpoena 16 of handling transaction is attached in the above-mentioned subpoena.Also have, above-mentioned interim subpoena 16 also can be to make in advance.
Then, operating personnel operate above-mentioned window terminal 12, and in the operation that is used for above-mentioned financial transaction, operation scanner 15 is also obtained the image of above-mentioned interim subpoena 16 simultaneously to obtain the image of above-mentioned subpoena.So, window terminal 12 is according to the subpoena ID of above-mentioned interim subpoena 16, discerning above-mentioned financial transaction is the convenient operation transaction, promptly discerns the risk management project of relevant aforesaid operations, sets up the risk monitoring and control sign that expression is the convenient operation transaction in above-mentioned data of financial transaction.In view of the above, just can automatically discern above-mentioned financial transaction is the convenient operation transaction.Also have, because classifying according to each risk management project or according to each of subordinate concept more, the subpoena ID of above-mentioned interim subpoena 16 sets, so window terminal 12 is set up the risk monitoring and control sign of representing this content according to the content that the subpoena ID of above-mentioned interim subpoena 16 just can automatically discern above-mentioned financial transaction.
In addition, above-mentioned person in charge's terminal 13 is to have arithmetic units such as CPU, MPU, memory units such as semiconductor storage, disk, input blocks such as keyboard, mouse, display units such as CRT, liquid crystal display, the computing machine of communication interface etc.The person in charge in above-mentioned business shop visits the management server of introducing later 21 by the above-mentioned person in charge's terminal 13 of operation, just can obtain all data of the operation in the relevant business shop.For this reason, by with the data presentation of the Operational Risk Management project in the relevant business shop on the display unit of being responsible for terminal 13 or be printed on the paper media, be responsible for the affairs risk that just can monitor in the above-mentioned business shop.
And then above-mentioned responsible official's terminal 14 is to have arithmetic units such as CPU, MPU, memory units such as semiconductor storage, disk, input blocks such as keyboard, mouse, display units such as CRT, liquid crystal display, the computing machine of communication interface etc.
Next, describe with regard to system of above-mentioned general headquarters 20.
This system of general headquarters 20 is arranged on general headquarters such as the home office, Surveillance center of financial institution, it possesses the management server 21 as server of the risk management project of the relevant aforesaid operations of centralized control, the affairs risk monitoring owner who is used for the general headquarters of financial institution monitors general headquarters' terminal 22 of the operation in all business shops, and preserve data about the risk management project of the operation in all business shops of financial institution, preserve the database 23 as data library device of information such as convenient operation admin table.And this database 23 has memory units such as semiconductor storage, disk, and communication interface etc. are to obtain and to login the resume of financial transaction or operation from above-mentioned window terminal 12.In addition, above-mentioned management server 21, general headquarters' terminal 22 and database 23 can couple together to mutual communication by the LAN24 of general headquarters as the LAN (Local Area Network) of general headquarters.
And above-mentioned management server 21 is to possess arithmetic units such as CPU, MPU, memory units such as semiconductor storage, disk, input blocks such as keyboard, mouse, display units such as CRT, liquid crystal display, the computing machine of communication interface etc.The above-mentioned database 23 of above-mentioned management server 21 visits is analyzed the statistical information of the resume of above-mentioned financial transaction or operation, is being notified to above-mentioned general headquarters terminal 22 and is being responsible for terminal 13 when unusual according to the result after this statistical information analysis has been found.Specifically, above-mentioned management server 21 is visited above-mentioned database 23 at certain intervals, obtains the data of risk management project of the operation in relevant all business shops.Then, temporary transient or long preservation is manufactured with the statistics of closing above-mentioned risk management project simultaneously in memory unit with obtained data.
In addition, above-mentioned general headquarters terminal 22 is to possess arithmetic units such as CPU, MPU, memory units such as semiconductor storage, disk, input blocks such as keyboard, mouse, display units such as CRT, liquid crystal display, the computing machine of communication interface etc.Then, the affairs risk monitoring owner of inspection portion in the general headquarters of financial institution by operating the above-mentioned management server 21 of above-mentioned general headquarters terminal 22 visits, just can obtain the total data about the operation in all business shops.Therefore, the data presentation by the risk management project of operating in will all the business shops about financial institution is on the display unit of general headquarters' terminal 22 or be printed on the paper media, and above-mentioned responsible official just can monitor the affairs risk in all business shops.And then, can also monitor the interior perhaps progress of the handled various financial transactions of each staff in the shop of respectively doing business.
And, above-mentioned database 23 possesses the subpoena image file of the storage means of preserving the subpoena view data, preservation is used to manage the date management document of storage means that finance is handled the data on the date of carrying out, preservation is about the statistical management file of the storage means of the statistics of finance processing, the seal file of the storage means of the seal shadow of the seal that preservation is logined, and convenient operation admin table file.
Then, the action with regard to the monitoring and control system of affairs risk 10 of above-mentioned formation describes.At this, be that the situation that no seal is concluded the business describes with regard to above-mentioned financial transaction.
For example,, withdraw the money by the phone designated deposit the client who has the periodicity transaction relationship for a long time, during financial transactions such as account transfer, for convenience of client, the staff carries out above-mentioned financial transaction sometimes.At this moment, above-mentioned staff's action pane terminal 12, the data of the relevant transaction of input and the reason that does not have seal just do not have the seal reason, carry out no seal transaction operation.Also have,, make, read the above-mentioned subpoena and the view data of subpoena 16 temporarily, import by scanner 15 about the subpoena of transaction and the interim subpoena 16 of the no seal reason of record about transaction data and no seal reason.(Fig. 1 (1)) with the view data that this scanner 15 reads, sends window terminal 12 (Fig. 1 (2)) to then.In view of the above, this window terminal 12 carries out subpoena to be handled, and the financial transaction of discerning input according to the subpoena ID of interim subpoena 16 automatically is no seal transaction, carries out and does not have a corresponding processing of seal transaction.
Next, the transaction resume data of the relevant no seal transaction operation of relevant input, and the view data of above-mentioned interim subpoena 16 send to system of general headquarters 20 from business shop 11.Like this, whenever finish a transaction, the transaction resume of window terminal 12 just send to database 23.But when network speed was limited, can disposablely send evening.And transaction resume data entry is in convenient operation admin table file.The view data of interim subpoena 16 is connected in the convenient operation admin table file, signs in to respectively in the subpoena image file.(Fig. 1 (4))
In addition, the above-mentioned database 23 of management server 21 visits of system of general headquarters 20 is at certain time intervals with reference to above-mentioned convenient operation admin table.(Fig. 1 (5)).In view of the above, above-mentioned management server 21 can be monitored the possibility of the affairs risk of above-mentioned no seal transaction operation.And above-mentioned management server 21 for transaction and the expired transaction of will expiring, is notified to responsible official's terminal 14 of sales office system 11 in the convenient operation admin table file of above-mentioned database 23, urge it " to obtain normal subpoena ".In addition, simultaneously, also notify to expire transaction and expired transaction to person in charge's terminal 13 of sales office system 11 and general headquarters' terminal 22 of system of general headquarters 20.(Fig. 1 (6)) therefore, can bring into play the effect that pins down business shop responsible official.
And then the management server 21 of system of general headquarters 20 carries out the statistical information analysis, and the data that receive from each sales office system 11 manage as statistical information.(Fig. 1 (7)) for example, according to the mean value in each business shop, the many business shops of transaction of making an exception are regarded as will notifying general headquarters' terminal 22 unusually.Also have, above-mentioned mean value is calculated according to the accumulative total of past some months.In addition, judge that what the standard of exceptionally concluding the business can change according to setting.
Like this, in the present embodiment, the date that management server 21 management use interim subpoena 16 to make an exception and conclude the business, to conclude the business for will overduely make an exception transaction and out of date making an exception, general headquarters' terminal 22 is notified and is responsible for terminal 13 and responsible official's terminals 14.Therefore, the making of convenient operation admin table file can the computer system robotization.Simultaneously, the place beyond can be from business shops such as general headquarters is with reference to convenient operation admin table file.The date management automation can prevent " forget and urge normal subpoena ".And then the management server 21 of system of general headquarters 20 carries out analysis management with the data in each business shop as statistical information.Can find as early as possible and carry out devious conduct, or might not observe the business shop of affairs regulation.
In addition, be not only limited to the inspection in the business shop, at ordinary times, general headquarters also monitor, and can play restraining function.
And then and the combination of the informing function of warning horn, can prevent to forget and obtain normal subpoena.
Also have, present embodiment also is applicable to no authority payment, no paying by check, transaction such as interim reception/temporary payments.
Next, describe with regard to the 2nd embodiment of the present invention.Also have,, omit its explanation by attached with identical mark for the structure identical with the 1st embodiment.In addition, also omit explanation for action identical and identical effect with above-mentioned the 1st embodiment.
Fig. 2 is the concept map that the monitoring and control system of affairs risk of expression the present invention the 2nd embodiment constitutes.
Describe with regard to finding of unfair transaction in the present embodiment.At this, become the transaction of finding object as unfair transaction, be meant that to revise that transaction, date of start of calculation transaction, the interest of making an exception are suitable for etc. common like that seldom carries out such as the transaction of regularly terminating an agreement, cancellation midway, can not be only confirm the unfair transaction that find with subpoena in transaction resume and the business shop.Also have,, omit the diagram of being responsible for terminal 13, responsible official's terminal 14 and scanner 15 for ease of explanation.
At first, in case when staff's action pane terminal 12 was implemented transaction, above-mentioned window terminal 12 was obtained the transaction resume, promptly resume such as running time, operator, transaction name are saved in (Fig. 2 (1)) in the memory unit.And, window terminal 12 is after transaction processing finishes, confirm to be kept at the transaction resume content in the memory unit, be above-mentioned regularly midway terminating an agreement etc. when exceptionally concluding the business, these transaction resume send to system of general headquarters 20 from sales office system 11, sign in to the convenient operation admin table file (Fig. 2 (2)) of database 23.Like this, whenever finish a transaction, the transaction resume of window terminal 12 just send to database 23.But when network speed was limited, can disposablely send evening.Also have, the transaction resume of login on this convenient operation admin table file are not only the transaction of the object of finding as unfair transaction, also can be used as whole transaction resume.In addition, becoming the above-mentioned kind of finding the transaction of object can change according to setting.
In addition, the above-mentioned database 23 of the management server of system of general headquarters 20 21 visits, in the cycle of regulation with reference to the transaction situation (Fig. 2 (3)) in each business shop.Then, 21 pairs of statistical informations of above-mentioned management server are analyzed, compare for transaction of being found and statistical information in the past as unfair transaction, accumulative total according to the past some months is judged, become the many business shops of transaction of finding object and be regarded as unusually (Fig. 2 (4)), its information is kept in the database 23.Also have, judge that what the standard that becomes the transaction of finding object can be according to setting change.So during with reference to general headquarters' terminal 22, the information that management server 21 will become the transaction business shop how of finding object sends to general headquarters' terminal 22 as reference results.
Like this, in the present embodiment, management server 21 is with regard to the statistical information of the low financial transaction of analysis frequency.Promptly in implementing the less transaction of carrying out usually, the record of every month transaction number of packages of management server 21 management etc., and and the data such as mean value in all business shops of financial institution compare and the value of noting abnormalities.In view of the above, just can the early detection devious conduct.
In addition, do not confirm in the business shop only that Peacetime Headquarters is also monitored, so also can expect pin in effect.
And then the management server 21 of general headquarters manages the data in each business shop as statistical information, according to the mean value in each business shop, can find the business shop that has devious conduct or do not observe the affairs regulation as early as possible.
Next, describe with regard to the 3rd embodiment of the present invention.Also have, omit its explanation by attached and identical mark for the part identical with the 1st and the 2nd embodiment.In addition, also omit its explanation for action identical and identical effect with the above-mentioned the 1st and the 2nd enforcement state.
Fig. 3 is the concept map of composition of the monitoring and control system of affairs risk of expression the 3rd embodiment of the present invention.
In the present embodiment, describe with regard to finding of improper operation.At this, the operation of the object of finding as improper operation is meant the operation of the input data of the magnetic stripe of revising bankbook and card, the low but still operation by checking of rate though seal coincide, and the operation of revising the input data of character recognition data.Also have,, omit and be responsible for terminal 13, the diagram of responsible official's terminal 14 and scanner 15 for the convenience on illustrating.
At first, in case staff's action pane terminal 12 is implemented transaction, above-mentioned window terminal 12 is obtained operation history, i.e. information such as running time, operator, transaction name, transaction content, subpoena image, input content, and be kept at (Fig. 3 (1)) in the memory unit.Then, window terminal 12 is after transaction processing finishes, check is kept at the content of the operation history in the memory unit, if when finding improper operation such as above-mentioned modification bankbook and operation of the input data in the magnetic card bar, this operation history will send to system of general headquarters 20 from sales office system 11, record in the convenient operation admin table file of database 23 (Fig. 3 (2)).Also have, the operation history that is recorded in database 23 also can become the full operation resume not just as the object of improper operation.Like this, the operation history of window terminal 12 is whenever finished a transaction and is just sent once.But be subjected to the restriction of network speed, can disposable at night transmission.Also have, the operation species of the above-mentioned object of finding can change according to setting.
Also have the above-mentioned database 23 of management server 21 visits of system of general headquarters 20, transaction situation (Fig. 3 (5)) in the cycle of stipulating with reference to each business shop.Then, above-mentioned management server 21 carries out the analysis of statistical information, find the operation of object for becoming improper operation, compare with the statistical information in past, accumulative total according to the past some months is judged, become the many business shops of operation of finding object and be regarded as unusually (Fig. 3 (6)), its information is kept at database 23.Also have, judge that what the standard that becomes the operation of finding object can be according to setting change.So during with reference to general headquarters' terminal 22, management server 21 will become the information of finding the many business shops of object and send to general headquarters' terminal 22 (Fig. 3 (7)) as reference results.Also have, this general headquarters' terminal 22 also can be carried out the checking of view data of subpoena.And then the information registration that obtains also can force to notify general headquarters' terminal 22 when 23 li of databases.
Like this, in the present embodiment, the management server 21 analysis modify bankbooks or the operation statistics information of the input data of magnetic card bar.At this moment, window terminal 12 has the bankbook of modification or the function of the input data of magnetic card bar.Also have, management server 21 is analyzed the statistical information that seal is checked.At this moment, window terminal 12 has the function that seal is checked.And then management server 21 is analyzed the statistical information of character recognition.At this moment, window terminal 12 has the character recognition function.Promptly when carrying out usually the less operation of carrying out, the mean value of management server 21 these records of management and financial institution's integral body compares, and finds exceptional value, can the early detection devious conduct.In addition, subpoena can carry out the subpoena reference from general headquarters during by view data, also can import the contrast of data and book.
Also have, do not confirm in the business shop only that Peacetime Headquarters is also monitored, so can also expect pin in effect.
And then the management server 21 of general headquarters manages the data in each business shop as statistical information, can find devious conduct as early as possible and not observe the business shop that affairs are stipulated according to the mean value in each business shop.
Also have, the invention is not restricted to above-mentioned embodiment, can also carry out various distortion, they are not got rid of from scope of the present invention according to aim of the present invention.
Claims (7)
1. monitoring and control system of affairs risk is characterized in that having:
Be arranged on financial institution the business shop, be used to carry out the window terminal of the operation that financial transaction uses;
Be arranged on above-mentioned financial institution general headquarters, obtain the resume of financial transaction or operation and the data library device of logining from above-mentioned window terminal;
Be arranged on the general headquarters, the above-mentioned data library device of visit of above-mentioned financial institution management server with the statistical information of the resume of analyzing above-mentioned financial transaction or operation;
Be arranged on the general headquarters of above-mentioned financial institution, general headquarters' terminal of the affairs risk in the above-mentioned business of the monitoring shop; And
Be arranged on above-mentioned financial institution the business shop, monitor person in charge's terminal of the affairs risk in this business shop,
Above-mentioned management server is based on found that after the above-mentioned statistical information analysis when unusual, be notified to above-mentioned general headquarters terminal and be responsible for terminal.
2. according to the described monitoring and control system of affairs risk of claim 1, it is characterized in that having:
The responsible official's terminal that is arranged on the business shop of above-mentioned financial institution, operates by the responsible official,
The date of the transaction of making an exception of interim subpoena has been used in above-mentioned management server admin, gives above-mentioned general headquarters terminal, is responsible for terminal and responsible official's terminal for overdue exceptionally transaction or the expired Notice Of Transactions of making an exception.
3. according to the described monitoring and control system of affairs risk of claim 1, it is characterized in that:
The statistical information of the financial transaction that above-mentioned management server analysis frequency is lower.
4. according to the described monitoring and control system of affairs risk of claim 1, it is characterized in that:
Above-mentioned window terminal possesses the function of modification from the input data of the magnetic stripe of bankbook or card,
Above-mentioned management server is analyzed the statistical information of above-mentioned modification from the operation of the input data of magnetic stripe.
5. according to the described monitoring and control system of affairs risk of claim 1, it is characterized in that:
Above-mentioned window terminal has seal and checks function,
Above-mentioned management server is analyzed the statistical information that seal is checked.
6. according to the described monitoring and control system of affairs risk of claim 1, it is characterized in that:
Above-mentioned window terminal has the character recognition function,
Above-mentioned management server is analyzed the statistical information of character recognition.
7. the management server of affairs risk monitoring usefulness is characterized in that:
This management server is arranged on the management server of general headquarters of financial institution,
Visit from the business shop that is arranged on above-mentioned financial institution, the window terminal that is used to carry out the operation that financial transaction uses obtains the resume of financial transaction or operation and the data library device of logining, with the statistical information of the resume of analyzing above-mentioned financial transaction or operation,
Based on to found that after this statistical information analysis when unusual, be notified to the general headquarters that are arranged on above-mentioned financial institution, general headquarters' terminal of the affairs risk in the above-mentioned business of the monitoring shop, perhaps be notified to the business shop that is arranged on above-mentioned financial institution, person in charge's terminal of monitoring the affairs risk in this business shop.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2005064980A JP2006251957A (en) | 2005-03-09 | 2005-03-09 | Business risk monitoring system and management server |
| JP2005064980 | 2005-03-09 |
Publications (1)
| Publication Number | Publication Date |
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| CN107784074A (en) * | 2017-09-25 | 2018-03-09 | 平安科技（深圳）有限公司 | The recognition methods of connected transaction, device and, computer equipment and storage medium |
| CN107784075A (en) * | 2017-09-25 | 2018-03-09 | 平安科技（深圳）有限公司 | Data processing method, device and computer equipment based on connected transaction |
| CN107798417A (en) * | 2017-09-25 | 2018-03-13 | 平安科技（深圳）有限公司 | Optimization method, device and computer equipment based on connected transaction data processing |
| US10839328B2 (en) | 2006-03-28 | 2020-11-17 | Advanced New Technologies Co., Ltd. | Method and system for risk monitoring in online business |
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- 2005-03-09 JP JP2005064980A patent/JP2006251957A/en active Pending
- 2005-09-29 CN CN 200510107573 patent/CN1831864A/en active Pending
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| US10839328B2 (en) | 2006-03-28 | 2020-11-17 | Advanced New Technologies Co., Ltd. | Method and system for risk monitoring in online business |
| CN103578028A (en) * | 2012-07-18 | 2014-02-12 | 冲电气工业株式会社 | Exchange centralized processing system |
| CN107784074A (en) * | 2017-09-25 | 2018-03-09 | 平安科技（深圳）有限公司 | The recognition methods of connected transaction, device and, computer equipment and storage medium |
| CN107784075A (en) * | 2017-09-25 | 2018-03-09 | 平安科技（深圳）有限公司 | Data processing method, device and computer equipment based on connected transaction |
| CN107798417A (en) * | 2017-09-25 | 2018-03-13 | 平安科技（深圳）有限公司 | Optimization method, device and computer equipment based on connected transaction data processing |
| CN107784075B (en) * | 2017-09-25 | 2019-02-01 | 平安科技（深圳）有限公司 | Data processing method, device and computer equipment based on connected transaction |
| CN107798417B (en) * | 2017-09-25 | 2019-06-14 | 平安科技（深圳）有限公司 | Optimization method, device and computer equipment based on connected transaction data processing |
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| Publication number | Publication date |
|---|---|
| JP2006251957A (en) | 2006-09-21 |
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