Classifications

• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q10/00—Administration; Management
  • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
  • G06Q10/063—Operations research, analysis or management
  • G06Q10/0639—Performance analysis of employees; Performance analysis of enterprise or organisation operations
  • G06Q10/06393—Score-carding, benchmarking or key performance indicator [KPI] analysis
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06F—ELECTRIC DIGITAL DATA PROCESSING
  • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
  • G06F21/60—Protecting data
  • G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
  • G06F21/645—Protecting data integrity, e.g. using checksums, certificates or signatures using a third party
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q10/00—Administration; Management
  • G06Q10/10—Office automation; Time management
  • G06Q10/103—Workflow collaboration or project management
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
  • G06Q40/06—Asset management; Financial planning or analysis
• • H—ELECTRICITY
  • H04—ELECTRIC COMMUNICATION TECHNIQUE
  • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
  • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
  • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
  • H04L9/3247—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving digital signatures
• • H—ELECTRICITY
  • H04—ELECTRIC COMMUNICATION TECHNIQUE
  • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
  • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
  • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
  • H04L9/3297—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving time stamps, e.g. generation of time stamps
• • H—ELECTRICITY
  • H04—ELECTRIC COMMUNICATION TECHNIQUE
  • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
  • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
  • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees

Definitions

• the present invention belongs to the general field of collecting and sharing information, more specifically, the provision of identity information and the like for online account applications.
• the invention relates more particularly to a system and method for identifying customers for financial accounts.
• the present invention also relates to blockchain and smart-contract technologies. STATE OF THE ART
• KYC Know Your Customer
• KYC generally designates customer due diligence (or due diligence) activities carried out by financial institutions and other regulated companies with a view to identifying their customers and verifying the relevant information to be able to carry out financial transactions with them, as well as the banking regulations governing these activities.
• the figure of the prior art illustrates such a situation in which a person is forced to provide for each financial organization a number of "answers", or information, equal to the number of questions submitted to him by the organization in question.
• the person can therefore probably answer the same question several times, in particular to questions relating to the identity of the person and his marital status systematically asked by the various financial organizations and more generally by any administrative body.
• financial organizations can be partners, grouped or dependent on the same entity, and consequently share the customer data.
• financial organizations can be partners, grouped or dependent on the same entity, and consequently share the customer data.
• Blockchains offer reliable and secure storage for this purpose and are increasingly used in the financial sector.
• the present invention aims to overcome the drawbacks of the prior art.
• the present invention relates to a method of electronic identification on the network of a first party with at least a second party by the establishment of a certified document time-stamped with data relating to the first party in response to a request from the second party, the request being sent to an application programming interface and comprising a plurality of requests to which the first party at least partially responds by sending responses via said application programming interface.
• This process advantageously comprises:
• the first party responds only to requests to which it had never answered before or to those for which the answers have changed.
• the creation of the certified document is therefore based on both “current” responses and “old” responses recorded during the processing of an old request.
• the responses given by the first party correspond to a part of the requests in the request, the other part of said requests corresponding to other responses previously stored in the blockchain and given by said first party in response to requests from another request.
• the first part no longer provides repetitive answers as is the case with state-of-the-art solutions.
• At least one certified document of data relating to the first party in response to a request from a second party is created from said request, from responses to requests from said request, and from responses to requests for requests. from other second parts.
• the identification method comprises:
• the penultimate four stages are each controlled by a smart contract type program.
• the application programming interface sends a list of requests from which each second party selects a set of requests to define its request.
• the first part, each second part, the request and the certified document are respectively a financing applicant or an investor, a financial organization, a customer knowledge questionnaire and an account. Know Your Customer (KYC) customer knowledge reporting.
• KYC Know Your Customer
• the present invention also relates to an electronic identification system on a network, for the implementation of a method as described, comprising an application programming interface and a block chain.
• the block chain is a consortium block chain in which each node is governed by a second party.
• the application programming interface is accessible from a web page type consultation unit.
• - Figure 0 a block diagram of the prior art
• - Figure 1 a block diagram of the present invention
• FIG. 2 a schematic representation of the multiple identification system according to the invention and the main interactions between its elements;
• the invention will allow anyone in need to answer a multitude of questions from different parties to provide a minimized number of answers so as to answer all the questions asked without ever giving the same answer several times.
• the advantage provided by the invention is shown diagrammatically in FIG. 1 which must be considered in comparison with the figure of the prior art.
• FIG. 2 schematically represents an identification system 10 according to the invention operating between a supplier 20 and a consumer 30, the terms “supplier” and “consumer” will be used only initially to better distinguish the roles of these two parties .
• the identification system 10 mainly comprises an application programming interface 1 1 and a block chain 12 which will be designated respectively by API and blockchain in the following description.
• API application programming interface
• block chain 12 which will be designated respectively by API and blockchain in the following description.
• a blockchain is a distributed database that manages a list of data protected against forgery or modification. Transactions represent exchanges between network users, and are stored within the blocks of the blockchain. The different transactions recorded are grouped in blocks. After recording recent transactions, a new block is generated and analyzed. If the block is valid, the block can be time stamped and added to the blockchain. The transactions are then visible throughout the network. When added to the blockchain, a block can no longer be modified or deleted, which guarantees the authenticity and security of the network.
• the supplier 20 is a financial organization among banks, wealth management companies, trust companies, securities brokerage companies, insurance companies , leasing companies, institutional investors, crowdfunding platforms, ... etc.
• the consumer 30 is an investor.
• the consumer can also correspond to a person looking for investment for a business creation or a launch of a project with economic potential, for example the consumer is an entrepreneur looking for a fundraiser for the launch of an innovative startup-type company.
• Blockchain 12 is a consortium blockchain shared between a set of financial actors 20 independent of each other, in which each of said financial actors constitutes a validation node.
• each of said financial actors constitutes a validation node.
• the multiple identification system will be described through its overall operation, then, the steps of the identification process implemented by said system will be described in more detail.
• the overall functioning of the identification system can be divided into two levels, an external level and an internal level.
• the external level corresponds to the interactions between the consumer, the financial institution and the identification system considered to be a black box.
• the internal level concerns the operations carried out inside the system between these different elements.
• the financial actor 20 needs to know certain information and to have supporting documents relating to the consumer 30 within the framework of a KYC approach. To do this, the financial actor 20 sends a questionnaire template 40 which he wishes the consumer to fill in. Step 510 therefore corresponds to a transmission by the financial actor 20 of a questionnaire template 40 to the system. identification 10.
• the financial actor 20 sends 520 a notification to the consumer 30 to request the filling of the questionnaire 40.
• the system 10 sends to the consumer 30 a suitable questionnaire 41 which contains only questions whose answers are not stored in said system.
• the system stores all the answers given by the consumer and filters the questions from the questionnaire template sent by the financial actor to transmit to the consumer only the questions that have no stored answers. in said system.
• the user fills in the adapted questionnaire 41 by providing responses 50.
• the responses 50 are sent 530 to the system 10.
• the identification system 10 ultimately establishes a KYC 60 and transmits it 541 to the financial actor 20 when the consumer 30 gives his authorization 540.
• the definition of the model of questionnaire 40 by the financial actor can be carried out either freely by said financial actor, or in a directed way, in which case the system sends a set of possible questions to the financial actor who retains only the questions interested in establishing their own questionnaire template.
• the system sends all the questions that exist, the financial actor by defining his model of questionnaire, will have the possibility of customize labels.
• the questionnaire template obtained consists of the identifiers of the questions selected as well as the labels selected by the financial actor.
• the system matches its own questions with the questions in the questionnaire. This correspondence can be achieved in different ways.
• the system 10 Before sending the questionnaire 40 defined by the financial actor 20 to the consumer 30, the system 10 performs a sorting in the questions of the questionnaire 40 to establish a suitable questionnaire 41 which contains only the questions for which it was not found of responses previously stored in the blockchain 12. To do this, ARI 11 interacts 550 with the blockchain 12 to find all the possible answers to the questions of the questionnaire 40 corresponding to the consumer to whom the questionnaire is addressed. Each consumer 30 must for this purpose be registered on the system via a profile to allow said system to find the answers corresponding to a given consumer.
• ARI For questions that remain unanswered, ARI generates an adapted questionnaire 41 which it sends to consumer 30 for requests for answers.
• the adapted questionnaire 41 includes the questions for which the answers were found in the blockchain, and mentions the said questions and answers, in order to allow the consumer to have an overview of all the questions addressed by the financial actor. and possibly update certain information.
• the responses 50 thus given by the consumer 30 are collected by ARI and transmitted to the blockchain.
• the blockchain systematically stores all the responses given by the consumer and thus makes it possible to keep up-to-date consumer profiles in the form of registers.
• ARI completes the questionnaire 40 of the financial actor with responses 50 from the blockchain and responses directly given by the consumer, and establishes a time-stamped KYC 60
• said KYC is then stored in the blockchain which contains all time-stamped KYCs established between financial actors and consumers who have used the identification system.
• the stored KYCs can constitute material evidence in the event of a dispute.
• the KYCs according to the invention cannot be destroyed and their multiple validation by independent financial actors united in a consortium increases their degree of reliability and authenticity.
• the time stamped KYC corresponding to the identification of the consumer 30 vis-à-vis the financial actor 20 is transmitted to said financial actor subject to the authorization of said consumer.
• the identification system has a considerable advantage for the processing by consumers of questionnaires issued by financial actors as part of the KYC approach by allowing each consumer to answer only one only once to any question asked several times by different financial actors.
• the identification questionnaires are generally similar, the consumer can, thanks to the identification system according to the invention, find themselves in a situation where all the questionnaires which submitted to it are pre-filled with responses previously given and stored in the blockchain, in which case it will simply need to validate these responses with or without modification.
• the multiple identification method according to the invention comprises, in order:
• step 130 of transmission by ARI of the questionnaire template to the user
• step 140 of sending all or part of the responses by the user to the API
• the step 100 of sending the list of questions, among which the financial actors must choose to define their models makes it possible to simplify the treatment of the models of questionnaires defined by the financial actors by standardizing the questions constituting said models. This prevents ARI from matching questions between questions to properly affect the answers to questions, and thereby limits the risk of error. Indeed, with the standardization of questions, ARI easily affects the answers to the corresponding questions.
• the method according to the invention can operate without sending lists of pre-established questions.
• an additional step of matching the models defined by the financial actors with questions previously defined in ARI must be taken into account.
• step 100 of sending the list of questions is not systematic, it may be that a financial actor keeps this list for future uses.
• the list of questions sent by the API to financial actors contains multiple choice questions such as:
• Step 1 10 of definition of a questionnaire model by the financial actor allows the financial actor to fulfill its legal obligations in terms of identification and customer knowledge, and to define for each case a model adapted, or simply to define a single, global model, applied to all users, whatever their economic profiles.
• step 1 10 of defining the questionnaire template can be carried out only once by the financial actor for a given user and omitted for the following users.
• the definition of a questionnaire model by a financial actor according to step 110 can consist of a choice of question identifiers and question labels.
• the identifiers can be serial numbers, alphanumeric references or various codes, and the labels are, for example, section names, themes, or keywords.
• the financial actor request step 120 of a KYC is accompanied by the sending to the API of an identifier of the defined questionnaire model.
• a financial actor When a financial actor requests a KYC from a user via ARI, said financial actor must be able to identify the questionnaire model that will serve as the basis for the development of the KYC among, possibly, several models that he has previously defined. The financial actor then has an identifier for each model of questionnaire defined, thus allowing ARI to find the model for which a KYC is requested.
• the step 130 of transmission by ARI of the questionnaire model to the user is characterized by the sending either, of a truncated questionnaire model in which only appear the questions which have no answers stored in the blockchain , or of a model as defined by the financial actor with in addition all the answers corresponding to questions of the model and having been found in the blockchain.
• these default responses can be updated at any time by the user.
• Step 140 of sending user responses to the API allows ARI to collect new information and responses that the blockchain does not yet have in order to complete the user's profile in the blockchain.
• the API adds, in step 150, the responses given by the user to the blockchain.
• This step concerns the sharing of user data, in particular personal data, in the blockchain and requires a contractual agreement. To this end, the execution of this step is governed by a smart contract.
• the Smart-contract controlling this step is executed, for example, when the following two conditions are met: the user sends responses to ARI (step 140) and ARI verifies that said responses are not stored in the blockchain.
• Step 160 corresponds to an authorization that the user grants to the financial actor so that the latter can access the information given in response to the defined questionnaire template.
• This authorization then triggers the following steps described below.
• This step also allows the user to fill his KYC in several times and not to carry out his transmission only when the information is completed in full in the questionnaire template defined by the financial actor.
• the authorization of the user is of a contractual nature required by regulations.
• this authorization corresponds to the validation by the user of the veracity of the information compiled on a screen before its transmission to the financial actor.
• Step 170 allows the API to send the questionnaire template defined by the financial actor to the blockchain and record the authorization given by the user on the blockchain, to then allow the blockchain to apply responses added to the added template. This step is controlled by a Smart-contract.
• Step 180 leads to the blockchain creation of a KYC from the model and the recorded responses.
• This KYC is time stamped and then stored in the blockchain.
• the storage of the different KYCs created is necessary for the constitution of evidence by one of the parties in the event of a dispute, these files being characterized by high reliability by virtue of their multiple validations by the different nodes of the blockchain before their time stamps and backups .
• Step 180 is also controlled by a Smart-contract.
• step 190 allows the blockchain to send the time-stamped KYC to ARI, this step being controlled by a Smart-contract, and step 200 corresponds to the transmission of the time-stamped KYC to the financial actor. having requested, this transmission is also controlled by a Smart-contract.

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• 2018
  • 2018-10-10 FR FR1859389A patent/FR3087308B1/fr active Active
• 2019
  • 2019-12-06 CN CN201980079461.3A patent/CN113302643A/zh active Pending
  • 2019-12-06 EP EP19824200.0A patent/EP3864608A1/de active Pending
  • 2019-12-06 US US17/284,421 patent/US20210390489A1/en not_active Abandoned
  • 2019-12-06 WO PCT/IB2019/060513 patent/WO2020075153A1/fr unknown

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