JP5978347B1 - Account evaluation system, account evaluation method, and account evaluation program - Google Patents

Abstract

An account evaluation system, an account evaluation method, and an account evaluation program for efficiently evaluating an account opened in a financial institution are provided. A management server includes an account information storage unit, an account evaluation information storage unit, and a control unit connected to a person-in-charge terminal. The control unit 21 acquires the holder information of the evaluation target account designated in the person-in-charge terminal 10 from the account information storage unit 23, and records the information common to the item values included in the holder information. The holder information is specified in the account information storage unit 23, the related account in which the related person is the holder is specified, and the alert information of the related account is specified using the account evaluation information storage unit 25. Then, a survey screen for displaying alert information is generated by associating the icon of the holder of the account to be evaluated with the related party and the related account icon, and the survey screen is output to the person-in-charge terminal 10. [Selection] Figure 1

Description

  The present invention relates to an account evaluation system, an account evaluation method, and an account evaluation program for evaluating an account opened in a financial institution.

  Various transactions are carried out using accounts opened at financial institutions. Such transactions may involve fraud and crimes. For example, it may be used for money laundering to conceal the origin and attribution by transferring illegal funds obtained by criminal acts from account to account. Globally, the momentum for strengthening the detection of money laundering is increasing, and efforts to prevent and eradicate are strengthening in Japan.

  Therefore, a technique for determining whether or not a detected suspicious transaction corresponds to money laundering has been studied (for example, see Patent Document 1). The money laundering determination support system described in this document detects transaction data corresponding to money laundering information based on risk rating information, and stores the detected money laundering information in a determination history information storage unit. . Then, based on the detected customer identification information, collected data including attribute information and account information is collected and output to the display means. In the determination result of whether or not the transaction data corresponds to money laundering, when the transaction data is normal determination indicating that the transaction data does not correspond to money laundering, the risk rating information is calculated so that the risk rating is low, Determine as recommended value.

JP 2010-2225040 A

  As described above, an account used for a suspicious transaction is extracted, and this account is investigated. However, it may be difficult to determine whether the information is only an alert account or not. In this case, it is necessary to make a determination using information related to the holder of the alert account and account information related to the alert account. Here, it is difficult to make an efficient determination with text-based information using a list or the like.

  The present invention has been made to solve the above problems, and provides an account evaluation system, an account evaluation method, and an account evaluation program for efficiently evaluating an account opened in a financial institution. .

(1) An account evaluation system that solves the above problems includes an account information storage unit that records holder information about the holder of each account, an evaluation information storage unit that records alert information for each account, and a person-in-charge terminal. and a connected control unit. And the said control part acquires the holder information of the account for evaluation designated in the said person in charge terminal from the said account information storage part, specifies the related account linked | related with the said holder information, The said evaluation information Using the storage unit, the alert information of the related account is specified , and the holder information of the related party in which information common to the item values included in the holder information is recorded is specified in the account information storage unit A search for executing related person search processing, specifying a related account in which the related person specified in the related person search processing is a holder, and specifying alert information of the related account using the evaluation information storage unit and processing for holder of icons of the evaluation target account, and displays the hierarchical display associating the related party icon, and the said holder and associated user icon, Identified in association with the associated account icon Re respectively, to produce a survey screen for displaying the identified alert information, it executes display processing for outputting the survey screen on the representative terminal. Thereby, a suspicious account can be determined based on the information regarding the holder of an evaluation object account and a related account using an investigation screen.

(2) Furthermore, the evaluation target account can be evaluated using information related to the related person who is related to the holder of the evaluation target account.

  (3) In the said account evaluation system, the common degree of the item value of the holder information of the said evaluation object account and the item value of the said holder's holder information is specified, and the said investigation screen according to the said common degree It is preferable to change the display form of the association of the icons. Thereby, an evaluation object account can be evaluated using information about others related to the holder of the evaluation object account.

  (4) In the above-described account evaluation system, the number of times related party search processing for re-searching related parties is further specified based on the specified related party holder information, and the related party search processing is repeated for the number of times. In the survey screen, it is preferable to display an icon of the related person for each hierarchy determined according to the number of repetitions, and to display an icon of the account of the related person. Thereby, an evaluation object account can be evaluated by the association displayed on a plurality of levels.

  (5) In the said account evaluation system, it is preferable to specify the alert information of the said account for evaluation, and to determine the frequency | count of repeating the said related person search process based on the said alert information. Thereby, the investigation range can be changed based on the suspicion of the evaluation target account.

  (6) In the account evaluation system, the identified related party is evaluated for commonality with a higher-order holder in the hierarchy display, and based on the commonality, the icon of the related party on the survey screen is evaluated. It is preferable to determine the display position. Thereby, based on the relevance with the holder of the account for evaluation, a related person can be weighted and investigated.

  According to the present invention, an account opened in a financial institution can be efficiently evaluated.

Explanatory drawing of the account evaluation system of embodiment of this invention. It is explanatory drawing of the data recorded on the memory | storage part of this embodiment, Comprising: (a) is a rule information storage part, (b) is explanatory drawing of an account information storage part. It is explanatory drawing of the data recorded on the memory | storage part of this embodiment, Comprising: (a) is a transaction information storage part, (b) is explanatory drawing of an account evaluation information storage part. It is explanatory drawing of creation of the evaluation rule of this embodiment, Comprising: (a) is an account master table, (b) is explanatory drawing of an evaluation rule record. It is explanatory drawing of the process sequence of this embodiment, Comprising: (a) is an AML assistance process, (b) is a detection process, (c) is explanatory drawing of a score calculation process. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the chart figure of this embodiment. Explanatory drawing of the chart figure of other embodiment. Explanatory drawing of the chart figure of other embodiment. It is explanatory drawing of the process sequence of other embodiment, Comprising: (a) is a related information display process, (b) is explanatory drawing of a grouping process. Explanatory drawing of the chart figure of other embodiment. Explanatory drawing of the chart figure of other embodiment.

  Hereinafter, an embodiment of an account evaluation system embodying the present invention will be described with reference to FIGS. In the present embodiment, it is assumed that an account to be investigated is detected based on an attribute of an account opened at a financial institution or a transaction status, the detected account is investigated, and reported as necessary.

As shown in FIG. 1, in this embodiment, a person-in-charge terminal 10, a management server 20, and a host system 30 are used.
The person in charge terminal 10 is a computer terminal used by a person in charge of investigating an account. The person-in-charge terminal 10 includes a control unit, an output unit, and an input unit. The output unit includes a display and outputs various information. In this embodiment, the evaluation result acquired from the management server 20 is output. The input unit is configured with a keyboard and a pointing device, and acquires an instruction input by a person in charge.

  The host system 30 is a computer system that manages transactions performed using an account. For this reason, the host system 30 manages account information regarding account attributes and holders, and transaction information regarding transactions performed using this account.

  The management server 20 is a computer system for evaluating an account opened in a financial institution. The management server 20 includes a control unit 21, a rule information storage unit 22, an account information storage unit 23, a transaction information storage unit 24, and an account evaluation information storage unit 25.

  The control unit 21 includes control means (CPU, RAM, ROM, etc.), and performs processes (load stage, detection stage, and investigation support stage processes) described later. By executing the account evaluation program for that purpose, the control unit 21 functions as a load unit 212, a detection unit 213, and a survey support unit 214.

The load unit 212 acquires account information and transaction information used for evaluation from the host system 30 and executes processing for recording them in the account information storage unit 23 and the transaction information storage unit 24, respectively.
The detection unit 213 executes processing for extracting an account to be investigated based on the evaluation rule. The detection unit 213 holds data related to a reference value for specifying an account to be investigated. In the present embodiment, the detection unit 213 specifies an account whose total score calculated in the detection process is greater than or equal to a reference value as an investigation target. Furthermore, the detection unit 213 holds data (weighting table) relating to a weighting value for adjusting the score according to the transaction channel.

  The investigation support unit 214 executes processing for outputting the evaluation target account to be investigated to the person-in-charge terminal 10. The survey support unit 214 specifies another account held by the holder of the account to be evaluated. Further, the survey support unit 214 performs related person search processing for re-searching related persons based on the specified holder information of the related persons. Then, the survey support unit 214 specifies an account held by the specified holder and specifies alert information of this account. The investigation support unit 214 holds display form management information for determining a display form (for example, a color scheme) according to the degree of commonality between the identified right holder information. By using this display form management information, a conspicuous display form is determined as the degree of commonality increases. The person in charge of the financial institution examines the account output to the person-in-charge terminal 10 and determines whether it is necessary to create a report.

Next, information recorded in each storage unit will be described with reference to FIG.
As shown in FIG. 2A, the rule information storage unit 22 records an evaluation rule record 220 for evaluating each account. This evaluation rule record 220 is recorded when a rule for specifying an account to be investigated is registered. The evaluation rule record 220 includes data relating to rule identifiers, elements, parameters, threshold values, and scores.

In the rule identifier data area, data relating to an identifier for specifying an evaluation rule for extracting an account to be investigated is recorded.
In the element data area, data relating to an identifier for extracting an account to be investigated in this evaluation rule is recorded. In this embodiment, the element which combined the item value of the item contained in account information is used as an evaluation element. By using this evaluation element, the attribute (character) of this account can be specified.

In the parameter data area, data related to variables for evaluating transaction information using the account is recorded for the account extracted by the element. For example, the amount, number of transactions, ratio, period, etc. can be used for this parameter. In the present embodiment, the following accounts are extracted using the deposit / withdrawal status (amount and number of times) in the transaction information as a parameter.
・ Accounts with a large amount of deposits and withdrawals ・ Accounts with a deposit / withdrawal ratio within the specified range ・ Accounts with a large amount of deposits / withdrawals within a specified period after the account is opened Account etc.

  In the threshold data area, data relating to a threshold for dividing the account in this parameter is recorded. A plurality of threshold values can be set for one parameter. In the present embodiment, the threshold value is lowered according to the risk level of the account. Further, based on the account attributes, the threshold is generally raised when the transaction amount is large (for example, a corporation rather than an individual).

  In the score data area, data relating to a score given to an account exceeding the threshold is recorded. When a plurality of threshold values are set for one parameter, different scores are recorded for each threshold value. In this embodiment, when the risk level of an account is high, it sets so that a high score may be provided.

  As shown in FIG. 2B, an account management record 230 related to the account to be evaluated is recorded in the account information storage unit 23. The account management record 230 is recorded when account information is acquired from the host system 30. The account management record 230 includes data relating to an account identifier, account information, and customer information. The account information includes data related to the account type, account opening date, living account flag, account suspension date, risk level, and the like. The customer information includes data related to the customer code, the name of the holder, the occupation code, the telephone number, the address, and the like.

Data relating to an identifier (main branch code, account type, account number) for specifying each account is recorded in the account identifier data area.
In the account type data area, data relating to an identifier for specifying the type of the account is recorded. In the present embodiment, data relating to an identifier for identifying a corporation or an individual is recorded for the account holder.

In the account opening date data area, data related to the date on which this account was opened is recorded.
In the living account flag data area, data relating to an identifier for specifying the use of the account is recorded. When this account is used for debiting public utility charges, a living account flag is recorded.

In the account stop date data area, data relating to the date (account stop date) when this account was suspended (frozen) is recorded.
Data relating to the risk state (risk level) of the account is recorded in the risk level data area.

In the customer code data area, data relating to an identifier for identifying a customer who is the account holder is recorded.
In the nominee name data area, data relating to the name of the account holder (first name and last name and corporate name) is recorded.

In the occupation code data area, data relating to an identifier for identifying the occupation of the account holder is recorded.
In the telephone number / address data area, data relating to the telephone number and address of the account holder is recorded.

  As shown in FIG. 3A, the transaction information storage unit 24 records a transaction management record 240 relating to a transaction performed using each account. This transaction management record 240 is recorded when transaction information is acquired from the host system 30. The transaction management record 240 includes a transaction identifier, an account identifier, a transaction type, a transaction date, an amount, and data related to a business partner.

Data relating to an identifier for identifying each transaction is recorded in the transaction identifier data area.
In the account identifier data area, data relating to an identifier for specifying the account used for the transaction is recorded.

  In the transaction type data area, data relating to an identifier for specifying the type of transaction is recorded. Further, the transaction type includes information for specifying a transaction channel (Internet banking, window, automatic teller machine, etc.). Furthermore, data relating to summary of deposit / withdrawal is recorded in the transaction type data area.

In the transaction date data area, data related to the date on which the transaction was performed is recorded. If there is no deposit or withdrawal for a predetermined period or more from the latest transaction date, it is determined as a dormant account.
Data relating to the transaction amount in this transaction is recorded in the amount data area.
In the supplier data area, data for specifying the partner of the transaction is recorded. In the present embodiment, for example, an account identifier of a transfer account and information related to the holder of the account are recorded.

  As shown in FIG. 3B, the account evaluation information storage unit 25 records an account evaluation management record 250 for evaluating each account. This account evaluation management record 250 is recorded when a detection process is performed. The account evaluation management record 250 includes data relating to an account identifier, an evaluation date, a total score, an alert, and a survey result.

In the account identifier data area, data relating to an identifier for identifying the account that has been evaluated is recorded.
In the evaluation date data area, data relating to the date on which the detection process is performed for this account is recorded.

In the total score data area, data relating to the total score given to the account is recorded.
In the alert data area, information for determining whether or not a survey person needs to investigate is recorded. In this embodiment, an alert flag is recorded when it is determined that an investigation should be performed based on the score.
Information for identifying whether or not it is necessary to create a report is recorded in the survey result data area. In this embodiment, a report flag is recorded when a report needs to be created.

Next, the operation in this account evaluation system will be described with reference to FIGS.
(Evaluation rules)
A condition (evaluation rule) for specifying an account to be investigated will be described with reference to FIG. Here, the account master table regarding each item which comprises account information, the item value in each item, and value explanation is used. For the item value of each item, a character or a character string that can uniquely identify each item is used. Thereby, it is possible to specify the items and item values constituting the character string even in the character string obtained by combining the item values. Moreover, the contents of each item value are recorded as the value explanation. For example, for the item values “R” and “C”, “individual” and “corporation” are recorded as value descriptions, respectively.

  First, using the items included in the account information using the account master table, the items (evaluation elements) used to detect the account to be investigated are designated. In the present embodiment, it is assumed that an arbitrary number of arbitrary items can be designated. As the evaluation element, the amount of money, the risk level, the use of the account (whether or not the life account flag is recorded), and the like can be used.

  Here, it is assumed that the account master table 500 (account master information) shown in FIG. The account master table 500 includes items (1) to (m) included in the account information. Further, in the account master table 500, a plurality of item values and a description of each item value are recorded for each item. Then, it is assumed that the item (2) and the item (3) are designated as evaluation elements among the items (1) to (m) by the investigator.

  In this case, a combination of evaluation elements is generated. Specifically, the item value of the item specified as the evaluation element is acquired from the account master table 500 shown in FIG. The item values “L” to “VH” are acquired for the item (2), and the item values “R” and “C” are acquired for the item (3). Then, a score setting list expanded into item values is created for the designated item. In this case, when a plurality of items are specified, all patterns in which the item values of the respective items are combined are generated in the score setting list. Here, eight (= 4 * 2) patterns (elements) are obtained by combining item values “L” to “VH” of item (2) and item values “R” and “C” of item (3). ) Is generated.

  Next, an evaluation rule is set. For each element generated by combining item values, a plurality of threshold values are set for parameters included in the transaction information. For example, two threshold values are set for each element, and a score is set for each threshold value.

  As shown in FIG. 4B, the character string “LR” generated by combining the item values “L” to “VH” of the item (2) and the item values “R” and “C” of the item (3). An evaluation rule record 504 in which a parameter threshold and a score are set for “VHC” is generated. This evaluation rule record 504 is recorded in the rule information storage unit 22.

(AML support processing)
First, the AML support process will be described with reference to FIG.
Here, the control part 21 of the management server 20 performs a load process (step S1-1). Specifically, the load unit 212 of the control unit 21 acquires account information and transaction information used for evaluation from the host system 30 and records them in the account information storage unit 23 and the transaction information storage unit 24, respectively.

  Next, the control part 21 of the management server 20 performs a detection process (step S1-2). Specifically, the detection unit 213 of the control unit 21 detects an alert account for the account recorded in the account information storage unit 23. Details of the alert account detection will be described later with reference to FIGS.

  Next, the control unit 21 of the management server 20 executes a survey support process (step S1-3). Specifically, the survey support unit 214 of the control unit 21 generates a chart diagram regarding the alert account. Details will be described later with reference to FIG. Then, the investigator determines whether reporting is necessary with reference to the chart. When it is determined that report creation is necessary, a report flag is recorded as an investigation result in the account evaluation information storage unit 25.

(Detection process)
Next, the detection process (step S1-2) will be described with reference to FIG. Here, the control unit 21 of the management server 20 sequentially specifies the accounts recorded in the account information storage unit 23 as processing target accounts. Then, all the evaluation rule records 220 recorded in the rule information storage unit 22 are sequentially specified as processing targets, and the following processing is repeated.

  First, the control unit 21 of the management server 20 executes score calculation processing for each evaluation rule (step S2-1). Specifically, the detection unit 213 of the control unit 21 calculates the score of the processing target account based on the processing target evaluation rule. Then, the detection unit 213 adds the calculated score to the total score of the account evaluation information storage unit 25. Details of this processing (score calculation processing) will be described later with reference to FIG.

And the control part 21 of the management server 20 repeats a process until it complete | finishes about all the rules.
Further, the control unit 21 of the management server 20 repeats the process until all the accounts recorded in the account information storage unit 23 are finished.

Next, the accounts recorded in the account evaluation information storage unit 25 are sequentially identified as processing target accounts, and the following processing is repeated.
Here, the control part 21 of the management server 20 performs the determination process about whether a total score is more than a reference value (step S2-2). Specifically, the detection unit 213 of the control unit 21 compares the total score recorded in the account evaluation management record 250 with a reference value.

  When it determines with a total score being more than a reference value (in the case of "YES" in step S2-2), the control part 21 of the management server 20 performs an alarm process (step S2-3). Specifically, the detection unit 213 of the control unit 21 records an alert flag in the account evaluation management record 250.

On the other hand, when it is determined that the total score is less than the reference value (in the case of “NO” in step S2-2), the control unit 21 of the management server 20 skips the alarm processing (step S2-3), and for this account Terminate the process.
The above process is repeated for all accounts recorded in the account evaluation information storage unit 25.

(Score calculation process)
Next, the score calculation process (step S2-1) will be described with reference to FIG.
Here, first, the control unit 21 of the management server 20 executes an item string generation process (step S3-1). Specifically, the detection unit 213 of the control unit 21 generates an item string in which item values of respective items included in the account management record 230 of the processing target account are arranged.

  Next, the control unit 21 of the management server 20 executes element identification processing (step S3-2). Specifically, the detection unit 213 of the control unit 21 specifies an element recorded in the rule information storage unit 22 in the generated item string.

  Next, the control unit 21 of the management server 20 executes a parameter value calculation process (step S3-3). Specifically, the detection unit 213 of the control unit 21 uses the rule information storage unit 22 to acquire a parameter for the identified element. Next, the detection unit 213 extracts the transaction management record 240 in which the account identifier of the processing target account is recorded from the transaction information storage unit 24. And the detection part 213 calculates the parameter value of the parameter of this evaluation rule using the transaction management record 240. FIG. Here, for example, the following parameter values are calculated.

  When “account with a large amount of deposits and withdrawals” is specified, the transaction management record 240 is used to calculate the total deposit amount or total withdrawal amount and the number of deposits and withdrawals as parameter values.

  Further, in the case of specifying “an account in which the deposit / withdrawal ratio falls within a predetermined range”, the transaction management record 240 is used to calculate the ratio between the total deposit amount and the total deposit amount for a predetermined period as a parameter value. .

  In addition, when specifying an “account with a large amount of deposits / withdrawals within a predetermined period after the account is opened”, the transaction management record 240 is used as a parameter value to calculate the total deposit amount or withdrawal during the predetermined period after the account is opened. Calculate the total amount and the number of deposits and withdrawals.

  In addition, when specifying “a dormant account in which a large amount of deposits and withdrawals occurred in a short period of time”, the transaction management record 240 is used as a parameter value in an account that has not been traded for a predetermined period or longer. Calculate the total deposit amount or total deposit amount and the number of deposits and withdrawals for a predetermined period after restart.

  Next, the control part 21 of the management server 20 performs a score calculation process based on comparison with a threshold value (step S3-4). Specifically, the detection unit 213 of the control unit 21 compares the calculated parameter value with a threshold value. Then, the detection unit 213 uses the evaluation rule record 220 to obtain a score that is a threshold value that is equal to or smaller than the parameter value and that corresponds to the maximum threshold value.

  Next, the control part 21 of the management server 20 performs the weighting process of a score according to a transaction channel (step S3-5). Specifically, the detection unit 213 of the control unit 21 specifies a transaction channel using the extracted transaction management record 240. Next, the detection part 213 acquires the weighting value according to a transaction channel using a weighting table. And the detection part 213 calculates the score which multiplied the acquired weighting value.

  Next, the control part 21 of the management server 20 performs a score addition process (step S3-6). Specifically, the detection unit 213 of the control unit 21 adds the calculated score to the total score of the account evaluation management record 250 of the processing target account.

(Investigation support processing)
Next, the survey support process will be described with reference to FIG.
First, the control unit 21 of the management server 20 executes a common item designation process used at the time of search (step S4-1). Specifically, the investigation support unit 214 of the control unit 21 outputs a common item designation screen to the display of the person-in-charge terminal 10. This common item designation screen is provided with an input field for setting common items used when extracting a related holder or account in the chart diagram. In the present embodiment, items included in the customer information recorded in the account information storage unit 23 are used as common items. In the present embodiment, “telephone number”, “address”, “last name of nominee”, and the like are used as common items. Then, the survey support unit 214 temporarily stores the items input on the common item designation screen in the memory.

  Next, the control unit 21 of the management server 20 executes display hierarchy number designation processing (step S4-2). Specifically, the investigation support unit 214 of the control unit 21 outputs a hierarchy number designation screen to the display of the person-in-charge terminal 10. In this hierarchy number designation screen, an input field for setting the display hierarchy number for displaying the related holder and account is provided in the chart diagram. The number of times related party search processing is repeated is specified by the number of display layers. Then, the investigation support unit 214 temporarily stores the display hierarchy number (n) input on the hierarchy number designation screen in the memory. In the present embodiment, it is assumed that “3” is designated as the number of display layers.

  Next, the control unit 21 of the management server 20 executes an alert account designation process (step S4-3). Specifically, the survey support unit 214 of the control unit 21 extracts the account evaluation management record 250 in which the current evaluation date is recorded in the account evaluation information storage unit 25. Next, the survey support unit 214 identifies the account evaluation management record 250 in which the alert flag is recorded as an alert account. Then, the survey support unit 214 generates a survey target account list including the account identifier of the identified account evaluation management record 250 and outputs it to the display of the person-in-charge terminal 10. Then, the investigator designates the account to be investigated as the investigation target account among the accounts included in the investigation target account list. In this case, the survey support unit 214 of the control unit 21 specifies the account identifier of the designated survey target account.

  Next, the control part 21 of the management server 20 performs the identification process of the holder of an alert account (step S4-4). Specifically, the survey support unit 214 of the control unit 21 extracts from the account information storage unit 23 the account management record 230 in which the account identifier of the survey target account designated by the survey person is recorded. Then, the survey support unit 214 acquires customer information of the account management record 230.

  Next, the control part 21 of the management server 20 performs the display process of the 1st hierarchy (step S4-5). Specifically, the survey support unit 214 of the control unit 21 outputs a survey screen on the display of the person-in-charge terminal 10.

  As shown in FIG. 7, a survey chart 600 is output on the survey screen. This survey chart 600 includes alert account display, first layer display to nth layer display (here, third layer display). First, the survey support unit 214 outputs an alert account icon 601 and an alert message 602 (alert information) as an alert account display. These icons hold account identifiers. Then, the survey support unit 214 outputs a nominee icon 611 that holds the customer code of the customer information as the first hierarchy display. In this case, the survey support unit 214 connects the alert account icon 601 and the nominee icon 611 with a connecting line. Further, the survey support unit 214 displays a connection reason (a customer code in this case) along the connection line.

  Next, the control part 21 of the management server 20 performs the display process of other accounts of a holder (step S4-6). Specifically, the survey support unit 214 of the control unit 21 searches the account information storage unit 23 for the account management record 230 in which the customer code recorded in the account management record 230 is recorded. Then, when the other account management record 230 in which the same customer code is recorded can be extracted, the survey support unit 214 identifies this account as a related account and investigates the related account icon that holds the account identifier. Display on chart 600.

  Next, the control unit 21 of the management server 20 executes alert information search processing for the identified account (step S4-7). Specifically, the survey support unit 214 of the control unit 21 uses the account evaluation information storage unit 25 to search the account evaluation management record 250 in which the account identifier of the related account is recorded. Then, the survey support unit 214 confirms whether an alert flag is recorded in the account evaluation management record 250. When the alert flag is recorded in the account evaluation management record 250, the survey support unit 214 outputs an alert message in association with the account information of the related account.

Next, the control unit 21 of the management server 20 identifies each layer up to the number of layers temporarily recorded in the memory as a processing target layer, and repeats the related party search process described below.
Here, the control part 21 of the management server 20 performs the identification process of the holder of a higher hierarchy (step S4-8). Specifically, the investigation support unit 214 of the control unit 21 specifies a holder in the upper layer of the processing target layer. For example, when the processing target hierarchy is the nth hierarchy, the holder of the [n-1] th hierarchy is specified as the owner of the upper hierarchy.

Next, the control part 21 of the management server 20 specifies each holder of a higher hierarchy as a process target holder, and repeats the following processes.
First, the control part 21 of the management server 20 performs the identification process of the related person who has a common term with the holder of a higher hierarchy (step S4-9). Specifically, the survey support unit 214 of the control unit 21 stores the customer information (common item value) of the upper-level holder (name of process target holder) from the account information storage unit 23 for the common item temporarily recorded in the memory. ) To get. Next, the survey support unit 214 searches the account information storage unit 23 for customer information that has the same acquired common item value. In this case, not only the customer information whose common items completely match, but also the customer information that has commonality is specified by an ambiguous search. For example, when an address is set as a common item, customer information that matches a part of an address excluding an address and a room number is specified. Further, when a surname is set as a common item, customer information that matches the kanji reading of kanji is specified. Then, when the customer information in which the common item value is recorded is acquired, the survey support unit 214 identifies the related person who has the common item.

  Next, the control unit 21 of the management server 20 executes display method determination processing according to the number of common terms (step S4-10). Specifically, the investigation support unit 214 of the control unit 21 specifies the number of common items (commonness) between the customer information of the upper-level holder and the customer information of the related person of the holder. . Then, the survey support unit 214 determines the display form according to the commonality. Furthermore, the display form is changed between a complete match and an ambiguous match. For example, a solid line is displayed for a perfect match, and a broken line is displayed for an ambiguous match (prediction). Here, the display form is determined so that the arrangement, the connection color, the thickness, etc. are more conspicuous as the number of common items is larger and the degree of commonality is higher.

  Next, the control part 21 of the management server 20 performs a related person's display process (step S4-11). Specifically, the survey support unit 214 of the control unit 21 displays the identified related person in the display target hierarchy. In this case, in the chart diagram, the survey support unit 214 displays the upper layer holder and the related person in association with each other in the display form specified according to the number of common items.

  In FIG. 7, three related person icons 621 to 623 are displayed on the survey chart 600 as the second hierarchy display. Then, the survey support unit 214 displays the connection ground along the connection line.

Further, as the third hierarchy display, one related person icon 631 is displayed for the related person icon 623 included in the second hierarchy display.
And the control part 21 of the management server 20 repeats the above process about all the holders of a higher hierarchy.

  Next, the control unit 21 of the management server 20 executes related account specifying processing (step S4-12). Specifically, the survey support unit 214 of the control unit 21 extracts, from the account information storage unit 23, the account management record 230 in which customer codes of all specified related parties are recorded in the name information. Then, the survey support unit 214 identifies the extracted account management record 230 as the account of the related person (related account). Further, the survey support unit 214 acquires the account evaluation management record 250 of the identified account from the account evaluation information storage unit 25.

  Next, the control part 21 of the management server 20 performs the display process of a related account (step S4-13). Specifically, the survey support unit 214 of the control unit 21 displays the identified related account icon linked to the related person icon in the survey chart 600.

Next, the control unit 21 of the management server 20 executes a caution information display process according to the attribute of the related account (step S4-14). Specifically, when the alert flag is recorded in the account evaluation management record 250 acquired from the account evaluation information storage unit 25, the survey support unit 214 of the control unit 21 associates the alert message with the related account. (Alert information) is displayed.
Then, the control unit 21 of the management server 20 repeats the above processing until the number of hierarchies temporarily recorded in the memory is reached.

As described above, according to the present embodiment, the following effects can be obtained.
(1) In this embodiment, a combination of evaluation elements is generated and an evaluation rule is set. Thereby, the investigator can set an evaluation rule for detecting an account to be investigated. And each account can be evaluated using the threshold value according to this account attribute.

  (2) In this embodiment, a score calculation process is executed for each evaluation rule (step S2-1). Here, the control unit 21 of the management server 20 performs an item string generation process (step S3-1), an element identification process (step S3-2), a parameter value calculation process (step S3-3), and a threshold value. A score calculation process (step S3-4) is executed based on the comparison. By using a plurality of threshold values, a score can be given to one account attribute according to the transaction status.

  (3) In this embodiment, the control part 21 of the management server 20 performs the determination process about whether a total score is more than a reference value (step S2-2). When it is determined that the total score is equal to or greater than the reference value (in the case of “YES” in step S2-2), the control unit 21 of the management server 20 executes an alarm process (step S2-3). Thereby, the investigator can efficiently investigate the detected account.

  (4) In the present embodiment, the control unit 21 of the management server 20 executes a common item designation process used at the time of search (step S4-1). Thereby, a related person can be specified based on the desired item of the person in charge.

  (5) In the present embodiment, the control unit 21 of the management server 20 executes a display hierarchy designation process (step S4-2). Thereby, a related person can be specified by the number of hierarchies desired by the person in charge.

  (6) In the present embodiment, the control unit 21 of the management server 20 specifies the identification process for the holder of the alert account (step S4-4), the display process for the other account of the holder (step S4-6), An account alert information search process (step S4-7) is executed. Thereby, an alert account can be evaluated using the other account which the holder of an alert account holds.

  (7) In this embodiment, the control part 21 of the management server 20 performs the identification process of the related person who has a common term with a holder of a higher hierarchy (step S4-9). Then, the control unit 21 of the management server 20 executes display method determination processing (step S4-10) and related party display processing (step S4-11) according to the number of common terms. Thereby, the relationship between the holder of the alert account and the related person can be efficiently confirmed.

  (8) In the present embodiment, the control unit 21 of the management server 20 executes related account identification processing (step S4-12) and related account display processing (step S4-13). And the control part 21 of the management server 20 performs the display process of warning information according to the attribute of a related account (step S4-14). Thereby, an alert account can be evaluated according to the situation of a related account.

In addition, you may change the said embodiment into the following aspects.
In the above embodiment, the control unit 21 of the management server 20 executes a warning information display process according to the attribute of the related account (step S4-14). Here, regarding the detected alert account, the necessity of display may be determined based on the past investigation status. In this case, when the account to be displayed in the chart diagram is specified, the survey support unit 214 of the control unit 21 acquires the survey result recorded in the account evaluation management record 250 of the account evaluation information storage unit 25. Then, the survey support unit 214 determines the necessity of display based on the survey result of the account evaluation management record 250.

In the above embodiment, the control unit 21 of the management server 20 executes a warning information display process according to the attribute of the related account (step S4-14). Here, the alert message about the related account currently displayed on the chart figure is displayed. The related account displaying the attention information is not limited to the account displayed in the chart. For example, when an alert account is detected in a related account in a hierarchy deeper than the display hierarchy, an alert message may be displayed on the chart. In this case, the investigation support unit 214 of the control unit 21 searches the display layer for related parties up to a predetermined number of option layers. Then, the survey support unit 214 displays an alert message on the chart when detecting the alert account in the related account specified until the option hierarchy is reached.
For example, in the survey chart 650 shown in FIG. 8, information 651 regarding the alert account detected in the option hierarchy of the related party is displayed in association with the related party icon 631.

  In the above embodiment, the control unit 21 of the management server 20 executes related person display processing (step S4-11). Furthermore, the control part 21 of the management server 20 performs the display process of a related account (step S4-13). Here, you may make it change arrangement | positioning in a chart figure according to the condition of a related person or a related account. For example, the arrangement may be determined so that an object that must be conscious is positioned in an easy-to-see position (upward). In this case, the investigation support unit 214 of the control unit 21 holds data (relevance evaluation table) regarding weighting values for determining the priority order according to the connection reason. Then, the weighting values are acquired from the relevance evaluation table for all the relational grounds between the upper layer holder and the lower layer related persons. And it arrange | positions in the position which is easy to see in a chart figure, so that the sum total of the acquired weight value is large.

  In FIG. 9, in the survey chart 660, the related person icon 621 having a strong relationship with the holder of the alert account is arranged above. Further, when it is determined that the relevance level is higher than the date of birth based on the relevance evaluation table, the related person icon 623 is arranged above the related person icon 622. Further, regarding the display of related accounts, an account for which attention information is set or an account with a high risk level is arranged above.

  In the above embodiment, the control unit 21 of the management server 20 executes display hierarchy designation processing (step S4-2). Here, the number of hierarchies may be specified according to the risk situation. In this case, the survey support unit 214 of the control unit 21 of the management server 20 holds the number of layers calculation data for determining the number of display layers according to the total score. Then, in the survey support unit 214, the total score (risk status) of the alert account is specified in the account evaluation information storage unit 25, and the number of display layers is specified using the layer number calculation data.

  In the above embodiment, the control unit 21 of the management server 20 executes related account display processing (step S4-13). Here, you may make it display the information regarding a related account. For example, when the related account displayed in the chart diagram is selected, the deposit / withdrawal information for this account is displayed.

A display process when a related account is designated will be described with reference to FIG.
(Related information display processing)
First, the control unit 21 of the management server 20 executes a process for identifying the selected account (step S6-1). Specifically, the survey support unit 214 of the control unit 21 is configured with an icon (related account icon) that can select a related account in the chart. In this case, the investigator selects a desired account icon.

  When the related account icon is selected, the control unit 21 of the management server 20 executes an account transaction history acquisition process (step S6-2). Specifically, the survey support unit 214 of the control unit 21 specifies the account identifier of the selected related account icon. Next, the survey support unit 214 acquires a transaction management record 240 for a predetermined period from the transaction information storage unit 24.

  Next, the control unit 21 of the management server 20 executes a life-related deposit / withdrawal grouping process (step S6-3). Specifically, the survey support unit 214 of the control unit 21 specifies the life-related deposit / withdrawal based on the summary recorded in the transaction type data area of the acquired transaction management record 240. For example, as a summary, when public charges such as electricity, gas, and water and salary transfer are set, it is determined that the payment is related to living. Then, the survey support unit 214 summarizes the determined life-related deposits and withdrawals with the deposit amount and the withdrawal amount.

Next, the control part 21 of the management server 20 performs the display process of a life related group and other deposit / withdrawal information (step S6-4). Specifically, the survey support unit 214 of the control unit 21 outputs a transaction details display screen on the display of the person-in-charge terminal 10. On this transaction details display screen, a life-related deposit / withdrawal amount and other deposit / withdrawal information are displayed. In other deposit / withdrawal information, the contents of the transaction management record 240 acquired from the transaction information storage unit 24 are displayed in order of transaction date.
The display is not limited to the order of transaction date. For example, sorting may be performed using items (amount, supplier, etc.) included in the transaction management record 240 as keys. Thereby, it is possible to perform rearrangement in consideration of the order of the amount of money or the business partners.

  In the above embodiment, the control unit 21 of the management server 20 executes related person display processing (step S4-11) and related account display processing (step S4-13). Here, you may make it perform the grouping process which displays a some related person and related account collectively. In this case, in the chart diagram, related persons and related accounts are displayed using selectable icons.

This grouping process will be described with reference to FIG.
(Grouping process)
First, the control unit 21 of the management server 20 executes a process for selecting icons to be grouped (step S7-1). Specifically, the person in charge of the survey selects icons (related persons and related accounts) to be grouped in the chart displayed on the display of the person-in-charge terminal 10. In this case, the survey support unit 214 of the control unit 21 specifies the customer code of the related person of the selected icon and the account identifier of the related account.

  Next, the control unit 21 of the management server 20 executes a grouping icon display process (step S7-2). Specifically, the survey support unit 214 of the control unit 21 displays a grouping icon that summarizes the selected related persons and related accounts on the display of the person-in-charge terminal 10.

  Next, the control unit 21 of the management server 20 executes a grouping target connection process (step S7-3). Specifically, the survey support unit 214 of the control unit 21 displays the selected related person icon, the icon (related person, related account) associated with the related account icon, and the alert message in association with the grouping icon. To do. Further, the survey support unit 214 displays the grouped icon in association with the upper right holder icon of the grouped icons (related party, related account). In this case, the connecting line before grouping is connected to the grouping icon.

For example, assume that related person icons 622, 623, 631 are grouped in the survey chart 670 shown in FIG. Each icon is selected on the survey chart 670.
In this case, a grouping icon 671 is displayed in the survey chart 670 as shown in FIG. And it is connected with the account icon and the holder icon 611 which were connected with the related person icon 622, 623, 631.

  DESCRIPTION OF SYMBOLS 10 ... Person in charge terminal, 20 ... Management server, 21 ... Control part, 212 ... Load part, 213 ... Detection part, 214 ... Investigation support part, 22 ... Rule information storage part, 23 ... Account information storage part, 24 ... Transaction information Storage unit 25 ... Account evaluation information storage unit 30 ... Host system.

Claims (7)

An account information storage unit that records the holder information about the holder of each account;
An evaluation information storage unit that records alert information for each account;
A account evaluation system and a control unit connected to the charge terminal,
The control unit is
Acquire holder information of the evaluation target account specified in the person-in-charge terminal from the account information storage unit,
Identify the related account associated with the holder information, use the evaluation information storage unit to identify the alert information of the related account ,
The related person search process that specifies the holder information of the related person in which the information common to the item value included in the right holder information is recorded is specified in the account information storage unit, and the related information specified in the related person search process A search process for identifying a related account in which a person is a holder, and using the evaluation information storage unit to identify alert information of the related account ;
The related person icon of the evaluation target account is associated with the related person icon and displayed in a hierarchical display, and the nominated person and related person icons are associated with the identified related account icons , respectively. , Generate a survey screen to display the identified alert information,
An account evaluation system that executes display processing for outputting the survey screen to the person-in-charge terminal. Specify the common degree between the item value of the holder information of the account to be evaluated and the item value of the holder information of the related party,
The account evaluation system according to claim 1 , wherein a display form of icon association on the survey screen is changed according to the degree of commonality. Identify the number of times to repeat the related person search process for re-searching related persons based on the specified related person's holder information, repeat the related person search process at the number of times,
In the study screen, and it displays the related party icon for each layer that is determined according to the number of the repetition of claim 1 or 2, characterized in that displaying the related's account icon Account evaluation system. Identify alert information for the account to be evaluated,
The account evaluation system according to any one of claims 1 to 3 , wherein the number of times the related party search process is repeated is determined based on the alert information. For the identified related person, evaluate the commonality with the upper nominee in the hierarchy display,
The account evaluation system according to any one of claims 1 to 4 , wherein a display position of the icon of the related person on the survey screen is determined based on the commonality. An account information storage unit that records the holder information about the holder of each account;
An evaluation information storage unit that records alert information for each account;
Using an account evaluation system comprising a representative terminal connected control unit, a method for performing account evaluation,
The control unit is
Acquire holder information of the evaluation target account specified in the person-in-charge terminal from the account information storage unit,
Identify the related account associated with the holder information, use the evaluation information storage unit to identify the alert information of the related account ,
The related person search process that specifies the holder information of the related person in which the information common to the item value included in the right holder information is recorded is specified in the account information storage unit, and the related information specified in the related person search process A search process for identifying a related account in which a person is a holder, and using the evaluation information storage unit to identify alert information of the related account ;
The related person icon of the evaluation target account is associated with the related person icon and displayed in a hierarchical display, and the nominated person and related person icons are associated with the identified related account icons , respectively. , Generate a survey screen to display the identified alert information,
An account evaluation method comprising: executing a display process for outputting the survey screen to the person-in-charge terminal. An account information storage unit that records the holder information about the holder of each account;
An evaluation information storage unit that records alert information for each account;
Using an account evaluation system and a control unit connected to the charge terminal, a program for performing account evaluation,
The control unit
Acquire holder information of the evaluation target account specified in the person-in-charge terminal from the account information storage unit,
Identify the related account associated with the holder information, use the evaluation information storage unit to identify the alert information of the related account ,
The related person search process that specifies the holder information of the related person in which the information common to the item value included in the right holder information is recorded is specified in the account information storage unit, and the related information specified in the related person search process A search process for identifying a related account in which a person is a holder, and using the evaluation information storage unit to identify alert information of the related account ;
The related person icon of the evaluation target account is associated with the related person icon and displayed in a hierarchical display, and the nominated person and related person icons are associated with the identified related account icons , respectively. , Generate a survey screen to display the identified alert information,
An account evaluation program that functions as means for executing display processing for outputting the survey screen to the person-in-charge terminal.