JP7195863B2 - FOREX TRANSACTION CONTROL DEVICE, FOREX TRANSACTION CONTROL METHOD AND PROGRAM - Google Patents

Description

The present invention relates to a foreign exchange transaction control device, a foreign exchange transaction control method, and a program. More specifically, the present invention performs an AML (Anti-Money Laundering) check on overseas remittance data requested by a customer, and updates a list for AML check based on the check result. The present invention relates to a control device, foreign exchange transaction control method and program.

Based on the demands of the FATF (Financial Action Task Force on Money Laundering) and other trends in the international community, Japan is working to prevent money laundering by enacting the Act on Prevention of Transfer of Criminal Proceeds. and requires financial institutions to take appropriate measures to prevent money laundering.

Banks verify the identity of a person using official documents when opening an account, and perform AML checks to prevent money laundering when making overseas remittances. AML checks are performed, for example, by checking whether an individual or group falls under a list provided by the Ministry of Finance of Japan or a foreign government agency. is different for each bank, and the accuracy of the list also varies.

Money laundering is the act of disguising funds obtained through fraudulent transactions as if they were legitimate by transferring accounts or investing in foreign real estate, especially when making money transfers. known to do. The transfer of funds between accounts can occur in either domestic remittance or overseas remittance, but it is known in the prior art that the mechanisms of domestic remittance and overseas remittance are different.

Domestic remittances are performed by the Zengin System and the Bank of Japan Net, which connect financial institutions nationwide online, and the customer's remittance is deposited into the transfer account on the same day (or the next business day depending on the time of day), and Payments between financial institutions can be made on the same day. Therefore, customers can enjoy substantially the same service regarding domestic remittances at any financial institution in the country.

On the other hand, overseas remittances are carried out via a system called SWIFT (Society for Worldwide Interbank Financial Telecommunication), which covers most of the world's financial institutions (Patent Document 1). In overseas remittances, there is no global system equivalent to the Bank of Japan Net, which handles fund settlements, so interbank fund settlements are carried out via major international banks. A correspondent agreement is essential to conduct such foreign exchange transactions directly with overseas banks, and direct transactions cannot be conducted between banks without a correspondent agreement. A correspondent contract is a contract relating to foreign exchange business concluded individually between banks. For this reason, overseas remittances depend on whether you directly request overseas remittances from major international banks (with correspondent agreements), or you request other banks to transfer the requests to major international banks. The number of days it takes to reach the other party varies, and it generally takes 1 to 2 days at the shortest to complete the remittance, and in some cases it takes several days.

JP 2016-122265 A

Timings for performing AML checks include opening an account, accepting a transaction, and executing a transaction. Each financial institution has taken measures to some extent, such as thorough identity verification for AML checks at the time of opening an account. However, the accuracy of AML checks at the time of transaction acceptance and transaction execution differs depending on the financial institution. In foreign exchange operations such as outgoing remittances (remittances from Japan to overseas), it is essential to perform AML checks when sending messages overseas for transactions received from customers. It was done. Some financial institutions have data received from customers on their Internet banking (IB) systems, but their AML check mechanisms were not linked to the IB systems. As a result, AML checks are performed manually, placing a heavy burden on bank employees, and there are many mistakes due to manual input of English text and false hits due to ambiguous searches. If the AML check is insufficient, the financial institution itself may be subject to fines, etc., so the skillfulness of the AML check may lead to business risks for the financial institution.

Also, depending on the scale of business and the scope of business handled by the financial institution, there is a possibility that the contents of the list used for the AML check will differ. Although the list provided by the Ministry of Finance can be obtained by each financial institution, the list issued by foreign government agencies differs depending on whether the financial institution is able to bear the costs. there is an institution

In addition, transactions that do not send overseas remittance messages by themselves are outsourced to other banks, but the results of AML checks have not been sufficiently shared between the entrusting bank and the entrusted bank.

SUMMARY OF THE INVENTION The present invention has been made to solve such problems. It is an object of the present invention to provide a foreign exchange transaction control device, a foreign exchange transaction control method, and a program that update a list for AML check based on the AML check result by a financial institution that performs overseas remittance operations. Another object of the present invention is to provide a foreign exchange transaction control device, a foreign exchange transaction control method, and a program that can sufficiently support the sharing of AML check results even when administrative work is outsourced.

According to one aspect of the present invention, a foreign exchange transaction control apparatus performs a first anti-money laundering (AML) check on received remittance request data based on a first list associated with an individual financial institution. , when the first AML check indicates a first determination result, an AML check processing completion notice is transmitted to the first financial institution system associated with the outgoing remittance request data; If the determination result of the second AML check performed later by the second financial institution system indicates the second determination result, based on the determination ground reason transmitted by the second financial institution system, the second It is configured to update the list of 1.

According to another aspect of the present invention, a foreign exchange transaction control method executed by a foreign exchange transaction control device performs a first anti-remittance process on received outgoing remittance request data based on a first list associated with an individual financial institution. performing a money laundering (AML) check; and performing an AML check on a first financial institution system associated with the outgoing remittance request data if the first AML check indicates a first determination result. Sending a processing completion notification, and if the determination result of the second AML check by the second financial institution system performed after the processing completion notification indicates the second determination result, the second financial institution Updating the first list based on decision-based reasons sent by the system.

According to the present invention, it is possible to provide a function of performing an AML check in a foreign exchange transaction control device that can be shared by a plurality of financial institutions. The foreign exchange transaction control device according to the present invention can perform AML check on overseas remittance data requested by a customer, and perform AML check based on the AML check result by a financial institution that actually operates overseas remittance. The list can be updated. The foreign exchange transaction control device of the present invention can support the sharing of AML check results between the outsourcing bank and the entrusted bank.

A detailed understanding of the embodiments disclosed herein can be obtained from the following description, taken in conjunction with the accompanying drawings.
1 is a configuration diagram of an entire system including a foreign exchange transaction control device according to the present invention; FIG. 1 is a system configuration diagram of a foreign exchange transaction control device according to the present invention; FIG. It is a figure explaining an example of the data structure of customer master. FIG. 10 is a diagram illustrating an example of the data structure of a common list; It is a figure explaining an example of the data structure of an individual list. It is a figure explaining an example of the data structure of outgoing remittance. It is a figure explaining an example of the data structure of past determination history. FIG. 4 is a diagram for explaining AML check processing before remittance, which is executed by the foreign exchange transaction control apparatus according to the present invention; FIG. 11 is a diagram illustrating an example of a screening result query screen; FIG. FIG. 2 is a flow diagram illustrating an embodiment in which a first bank controlling a first banking system outsources a remittance operation to a second bank controlling a second banking system; FIG. 10 is a flow diagram illustrating an embodiment in which a second bank that controls a second bank system transmits an outgoing remittance message by itself via the SWIFT network without entrusting operations to other banks;

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, embodiments of the present invention will be described in detail. Foreign exchange remittances include outgoing remittances (remittances from Japan to overseas) and incoming remittances (remittances from overseas to Japan). Although this specification describes embodiments for outgoing remittances, the ideas of the present invention are also applicable to incoming remittances. The technical idea of the present invention can also be applied to virtual currency transactions.

(overall structure)
FIG. 1 is a configuration diagram of an entire system including a foreign exchange transaction control device 100 according to the present invention. The foreign exchange transaction control device 100 is connected to one or more customer terminals 110 via a known network such as the Internet or a dedicated line so as to be able to communicate with each other. Foreign exchange transaction control device 100 is connected to one or more first bank systems 120 and one or more second bank systems 130 via a known network so as to be able to communicate with each other. First bank system 120 and second bank system 130 are communicatively connected to each other via a known network. The second banking system 130 can communicate with overseas financial institutions via the SWIFT network 140 . Although not shown in FIG. 1, in another embodiment of the present invention, the first banking system 120 may be able to communicate with overseas financial institutions via the SWIFT network 140 .

The foreign exchange transaction control device 100 is a device that provides various functions related to foreign exchange business, and is used as an ASP server that provides ASP services that can be shared by a plurality of financial institutions. The foreign exchange transaction control device 100 can function as a shared Internet banking (IB) system, and can also function as a system that performs AML checks. Note that the foreign exchange transaction control device 100 may be configured to perform the functions of a shared IB system and the function of an AML check system in one device, or may be performed in different devices. may be configured to The foreign exchange transaction control device 100 communicates with one or more systems of financial institutions using ASP services (for example, the first bank system 120 and the second bank system 130), and transmits and receives various information. can be done. It should be noted that ASP services and SaaS (Software as a Service) type services may be used interchangeably herein.

The foreign exchange transaction control device 100 can provide the customer terminal 110 with a web page for a foreign exchange transaction screen as one function of the IB system. The foreign exchange transaction controller 100 may receive a request for a foreign exchange transaction (eg, a remittance request) from the customer terminal 110 and perform the AML checks described herein according to the information contained in the request. The foreign exchange transaction control device 100 can transmit the AML check screening results to the bank systems 120 , 130 . A bank staff screens an AML check using a bank terminal (not shown) communicably connected to the foreign exchange transaction control device 100 and the bank system (first bank system 120 or second bank system 130). You can refer to the results. The foreign exchange transaction controller 100 can send the remittance request to the bank system indicated in the remittance request (first bank system 120 or second bank system 130).

The customer terminal 110 is a terminal used by a customer (e.g., corporate customer) who desires foreign exchange transactions (e.g., overseas remittance) as exemplified in this specification, and is a personal computer (PC), a smartphone, a tablet terminal, or the like. can be a computer with a communication function of The customer terminal 110 can communicate with the bank system of the bank (the first bank system 120 and the second bank system 130) via the foreign exchange transaction control device 100. FIG. The customer terminal 110 can have an application program such as a web browser for browsing the web page of the foreign exchange transaction screen received from the foreign exchange transaction control device 100 . The customer terminal 110 can transmit a remittance request to the foreign exchange transaction control device 100 via the foreign exchange transaction screen web page.

First banking system 120 is a banking system controlled by a first bank with which a customer using customer terminal 110 is transacting. In this specification, the first bank is unable to send outgoing remittance messages via the SWIFT network 140 on its own, so it is necessary to outsource operations to a second bank that controls the second bank system. is. The first banking system 120 maintains a separate list 208 for AML checks, updates the separate list 208 in response to receiving AML check screening results from the second banking system 130, and controls foreign exchange transactions. The individual list 208 associated with the first bank stored on the device 100 can be updated (synchronization process).

The second bank system 130 is a bank system controlled by a second bank entrusted with overseas remittance operations from the first bank that controls the first bank system 120 . The second bank system 130 has an accounting system and a foreign exchange-related system, performs AML check based on the received outgoing remittance request, and sends outgoing remittance to the overseas counterparty bank via the SWIFT network 140. A telegram can be sent.

For convenience of explanation, only one customer terminal 110, first bank system 120, and second bank system 130 are shown in FIG. 1, but there may be a plurality of them. A bank terminal (not shown) used by a bank staff member can access the foreign exchange transaction control device 100 and the bank system (first bank system 120 or second bank system 130). In this specification, the foreign exchange transaction control device 100 is described as one device, but the various processes executed by the foreign exchange transaction control device 100 may be configured to be distributed and executed by a plurality of devices. Also, in the above-described embodiment, the first bank entrusts the second bank with overseas remittance operations, but the first bank has its own accounting system and foreign exchange-related system. , it may be able to perform AML check based on the received remittance request, and send the remittance message to the overseas counterparty bank via the SWIFT network 140, and conduct the remittance overseas by itself depending on the case. and outsourcing can be used properly.

(System configuration)
FIG. 2 is a system configuration diagram of the foreign exchange transaction control device 100 according to the present invention. As shown in FIG. 2, the foreign exchange transaction control apparatus 100 includes a control section 201, a main storage section 202, an auxiliary storage section 203, an interface (IF) section, and the like, which are interconnected by a bus 220 or the like, like a general computer. 204 and an output unit 205 . The foreign exchange transaction control device 100 also has a customer master 206, a common list 207, an individual list 208, an outgoing remittance 209, and a past judgment history 210 in the form of files/databases.

The control unit 201, also called a central processing unit (CPU), controls each component in the foreign exchange transaction control device 100 and calculates data, and stores various programs stored in the auxiliary storage unit 203 as main memory. It can be read out to the unit 202 and executed. The main storage unit 202 is also called a main memory, and can store various types of received data, computer-executable instructions, data after arithmetic processing according to the instructions, and the like. Auxiliary storage unit 203 is a storage device typified by a hard disk (HDD), and is used for long-term storage of data and programs.

The embodiment of FIG. 2 describes an embodiment in which the control unit 201, the main storage unit 202 and the auxiliary storage unit 203 are provided in the same computer. By using a plurality of main storage units 202 and auxiliary storage units 203, it is also possible to realize parallel distributed processing by a plurality of computers. As another embodiment, a plurality of servers for the foreign exchange transaction control device 100 may be installed, and the plurality of servers may share one auxiliary storage unit 203 .

The IF unit 204 serves as an interface for transmitting and receiving data to and from other systems and devices, and also provides an interface for receiving various commands and input data (various masters, tables, etc.) from the system operator. can be done. The output unit 205 can provide a display screen for displaying processed data, printing means for printing the data, and the like.

The customer master 206 is a master file that stores information on customers who have transactions with one or more financial institutions that use ASP services. A customer whose data is stored in the customer master 206 can access the foreign exchange transaction control device 100 via the customer terminal 110 and carry out foreign exchange transactions such as remittance. FIG. 3 is a diagram illustrating an example of the data structure of the customer master 206. As shown in FIG. Customer master 206 can include customer ID 301, basic information 302, and transacting financial institution code 303, but is not limited to these data items and can include other data items.

A customer ID 301 is an identifier that identifies a customer who has a transaction with a financial institution that uses the ASP service. As described above, foreign exchange transaction control device 100 can be used as an ASP server that provides ASP services that can be shared by a plurality of financial institutions. There are as many customer IDs 301 as the number of financial institutions with which transactions are made. For example, when company A, which is a customer company, does business with three financial institutions, there can be three customer IDs 301 associated with company A. The customer ID 301 also functions as a user ID when the customer accesses the foreign exchange transaction screen page provided by the foreign exchange transaction control device 100 .

The basic information 302 includes the customer's name, address, contact information, account information opened at the correspondent financial institution, etc., but is not limited to the information shown in this specification. The transacting financial institution code 303 is an identifier for identifying the financial institution with which the customer is transacting. The foreign exchange transaction control device 100 can identify the bank systems 120, 130 to be communicated based on the transacting financial institution code 303 associated with the customer ID 301 used for login.

Returning to FIG. 2, the common list 207 stores common list data used for AML checks by all financial institutions using ASP services. The common list 207 is a list provided by the Ministry of Finance (MOF) of Japan, the United Nations (UN), US government agencies (eg, Office of Foreign Assets Control (OFAC) of the US Department of the Treasury), and the like. Since some remittance destination countries have stricter regulations than those of Japan, the common list 207 is configured to include applicable lists in those countries as well. The common list 207 is updated based on the update information each time the information provider updates the information.

FIG. 4 is a diagram illustrating an example of the data structure of the common list 207. As shown in FIG. Common List 207 may include Common List_Name 401, Common List_BIC Code 402, and Information Source 403, but is not limited to these data items and may include other data items. be.

The common list_name 401 is one or more names of sanctioned persons/organizations provided by the information provider. The common list_name 401 includes information such as the name of the recipient and the name of the bank associated with the recipient, but there are cases where the sanctioned person/organization uses another name or uses multiple financial institutions. Therefore, there can be multiple pieces of information such as the name of the recipient and the name of the bank. Common List_BIC Code 402 is the financial institution identification code used to identify the bank to which the money is to be transferred in SWIFT network 140 . CommonList_BIC Code 402 may indicate multiple pieces of information if multiple bank names are stored in CommonList_Name 401 . BIC codes may also be called SWIFT codes or SWIFT addresses. The information provider 403 indicates a government agency, international agency, or private agency that provided the information stored in the common list 207 .

Returning to FIG. 2 again, the individual list 208 stores individual list data used for AML checks by each financial institution using the ASP service. Some financial institutions have their own AML checklists built through operations such as remittances. Individual list 208 can be updated by individual financial institutions depending on the results of AML checks.

FIG. 5 is a diagram illustrating an example of the data structure of the individual list 208. As shown in FIG. Individual List 208 may include Financial Institution Code 501, Individual List_Name 502, and Individual List_BIC Code 503, but is not limited to these data items and may include other data items. be.

A financial institution code 501 is an identifier that identifies a financial institution that has its own AML checklist. Financial institution code 501 may be associated with correspondent financial institution code 303 . The individual list_name 502 includes information such as the name of the recipient and the name of the remittance destination indicated by a unique AML checklist constructed through operations such as remittance. The individual list_name 502 can indicate multiple pieces of information such as the name of the recipient and the name of the bank to which the remittance is made, as the sanctioned person/organization may use another name or may use several financial institutions. . Individual List_BIC Code 503 is a financial institution identification code used to identify the bank to which the money is transferred in the SWIFT network. Individual List_BIC Code 503 may indicate multiple pieces of information if multiple beneficiary bank names are stored in Individual List_Name 502 .

Returning to FIG. 2 again, the outward remittance 209 is a file that stores transaction details of the outward remittance generated in response to the outward remittance request received from the customer terminal 110 and data generated in subsequent processing. FIG. 6 is a diagram illustrating an example of the data structure of the outgoing remittance 209. As shown in FIG. Outgoing remittance 209 includes transaction receipt ID 601, remittance source account 602, remitter name 603, remittance destination BIC code 604, receiver account 605, receiver name 606, remittance currency 607, remittance amount 608, application date 609, remittance designation date 610, It may include status 611, screening results 612, trail 613, referring financial institution code 614, and customer ID 301, but is not limited to these data items and may include other data items.

Transaction receipt ID 601 is an identifier for identifying a series of processes associated with a remittance request received from customer terminal 110, and is given by foreign exchange transaction control device 100 when the remittance request is received. Customer ID 301 indicates the customer ID of the customer associated with the received remittance request. The remittance source account 602 indicates the account of the customer who made the outgoing remittance request. The remitter name 603 indicates the name of the customer who sent the outward remittance request, and may be the account name associated with the remittance source account 602 . The remittance destination BIC code 604 is an identifier that identifies the remittance destination financial institution indicated by the remittance request. Recipient account 605 indicates the bank account of the recipient indicated by the outgoing remittance request. Payee name 606 indicates the name of the payee indicated by the outgoing remittance request (eg, the account name associated with payee account 605). The remittance currency 607 indicates the type of remittance currency (for example, Japanese yen, US dollar, etc.). The remittance amount 608 indicates the remittance amount indicated by the outgoing remittance request. The application date 609 indicates the date on which the remittance request was made. Specified remittance date 610 is the date specified by the customer to actually send the outgoing remittance message over SWIFT network 140, and may be several days ahead of application date 609, for example.

A status 611 indicates the processing status of the outgoing remittance request, for example, indicates information such as AML check completed and transmission to the correspondent bank completed. The screening result 612 shows the result of the AML check, for example, "does not match (OK)" indicating that it does not match the information of the sanctioner/organization, etc., "confirmation required (gray)" indicating that it is suspicious, and Information such as “matches (NG)” is displayed. A trail 613 indicates the reason why the financial institution determined that there was no problem in remittance for a remittance request that was determined to be "confirmation required (gray)" as a result of the AML check. The entrusting financial institution code 614 is an identifier for identifying the second bank to which the first bank that has received the remittance request from the foreign exchange transaction control device 100 has entrusted the work.

Returning to FIG. 2 again, the past determination history 210 is a file that stores information on outgoing remittance requests with the same conditions as previously determined transactions at the same customer. As a result of the AML check performed by the foreign exchange transaction control device 100, the information of the remittance request that was once determined as "confirmation required (gray)" but updated to "do not match (OK)" by the financial institution is It is recorded in the past determination history 210 . The past determination history 210 can be used to eliminate the need for re-checking AML within a predetermined period when a request for remittance under the same conditions is made at the same customer. be. Note that, in another embodiment of the present invention, the foreign exchange transaction control device 100 executes the AML check and displays the "confirmation required (gray) , the past determination history 210 may be referred to.

FIG. 7 is a diagram illustrating an example of the data structure of the past determination history 210. As shown in FIG. Past determination history 210 can include customer ID 301, source account 602, remitter name 603, remitter BIC code 604, recipient account 605, recipient name 606, screening result 612, trail 613, and update date 701. , can include other data items without being limited to these data items. Customer ID 301, remittance source account 602, remitter name 603, remittance destination BIC code 604, receiver account 605, receiver name 606, screening result 612, and trail 613 are the data items described with reference to FIGS. Same content. The update date 701 is the most recent date on which a remittance request under the same conditions was made at the same customer. If the date indicated by the update date 701 is within a predetermined number of days from the date the new remittance request was received, the foreign exchange transaction control device 100 omits the AML check by referring to the past determination history 210. can do. As described above, in another embodiment of the present invention, the foreign exchange transaction control device 100 may perform an AML check regardless of the date of the update date 701 and the date of receiving a new outgoing remittance request. .

(Processing flow: AML check)
Next, referring to FIG. 8, the AML check processing performed by the foreign exchange transaction control device 100 according to the present invention will be described. FIG. 8 is a diagram for explaining the AML check processing before remittance, which is executed by the foreign exchange transaction control device 100 according to the present invention. This processing flow explains AML checks for outgoing remittances (remittances from Japan to overseas), but the same technical concept can be applied to incoming remittances (remittances from overseas to Japan). . In another embodiment of the present invention, the foreign exchange transaction control device 100 can perform an AML check based on the sender information and recipient information included in the incoming remittance message.

In S801, the customer terminal 110 accesses the foreign exchange transaction control apparatus 100 and logs in by entering the customer ID 301 and password. The foreign exchange transaction control device 100 acquires the transacting financial institution code 303 associated with the customer ID 301 from the customer master 206 and displays the foreign exchange transaction screen web page of the financial institution on the customer terminal 110 . When the customer presses the remittance request button after inputting the information for the remittance via the customer terminal 110, the foreign exchange transaction control device 100 checks whether or not there is any inconsistency in the input data. , generates a transaction receipt ID 601 and generates a remittance request containing input data. The foreign exchange transaction control device 100 receives a remittance request from the customer terminal 110 and stores the data in the remittance 209 .

At S802, the foreign exchange transaction control apparatus 100 reads the data of the remittance request stored in the remittance 209. FIG. The foreign exchange transaction control device 100 performs an AML check of the remitter information based on the remitter name 603 of the read data, and performs an AML check of the remitter information based on the remittee BIC code 604, the beneficiary account 605, and the beneficiary name 606. Perform AML checks. The remittance source account 602 is subject to identity verification when the account is opened and cannot be changed at the time of remittance. Therefore, it is subject to AML checks.

More specifically, the foreign exchange transaction control device 100 identifies the financial institution code 501 corresponding to the transacting financial institution code 303, reads the information of the individual list 208 of the financial institution based on the identified financial institution code 501, A first verification process is performed to determine whether the remitter information and the recipient information match the information in the read individual list 208 . Also, the foreign exchange transaction control apparatus 100 performs a second matching process to determine whether the remitter information and the recipient information match the information stored in the common list 207 . The processing order of the first verification process and the second verification process is not particularly limited, and either verification process may be performed first. The foreign exchange transaction control apparatus 100 determines whether there is data corresponding to the list as a result of the first matching process and the second matching process. This determination result (screening result 612) may be "does not match (OK)", "confirmation required (gray)", and "matches (NG)". If there is corresponding data in the list, the process proceeds to S803, and if there is no corresponding data, the process proceeds to S805.

In another embodiment of the present invention, the foreign exchange transaction control device 100 can also perform a fuzzy search during AML checking in order to reduce the risk of missing checks. Fuzzy search is a search method that determines that a match occurs if the matching rate of data in the first matching process and the second matching process is within a predetermined range (e.g., matches more than XX%). is. In a further embodiment of the present invention, the foreign exchange transaction control device 100 may refer to the data in the past determination history 210 and perform AML check of the same remittance request of the same customer. In such a case, the foreign exchange transaction control apparatus 100 performs the first collation process and the second can be omitted.

At S803, foreign exchange transaction control apparatus 100 transmits screening result 612 to bank system 120 or bank system 130 to which the outward remittance request is to be transmitted. The transmitted screening result 612 is information indicating whether or not the remitter information and/or the recipient information match the list in one or both of the first and second verification processes. including. In response to receiving notification of the screening result 612, the financial institution representative confirms the data content of the outgoing remittance request associated with the screening result 612 via a terminal connected to the banking system 120 or banking system 130. can do.

Here, an example of the screening result query screen 900 will be described with reference to FIG. The screening result inquiry screen 900 shows the details and processing status of outgoing remittance requests made to each financial institution. The screening result inquiry screen 900 displays the data stored in the outgoing remittance 209 and also displays an inquiry button for displaying details of the selected data.

The person in charge of the financial institution refers to the screening result query screen 900 using a terminal connected to the bank system 120 or 130, and presses the query button for the data for which the screening result is "confirmation required". . When the inquiry button is pressed, the foreign exchange transaction controller 100 can read selected data from the remittances 209 and display the screening results in a pop-up screen such as that shown in FIG. In the example of FIG. 9, when the inquiry button is pressed for the data of the transaction reception ID "123456", a pop-up screen appears with the remitter name "does not match (OK)", the recipient name "confirmation required (gray)", and the recipient account An example is shown in which a screening result such as "matches (NG)" is displayed. Also, in another embodiment of the present invention, when the inquiry button is pressed, the foreign exchange transaction control device 100 can read selected data from the outgoing remittance 209 and display the screening results on the next screen.

In S804, the person in charge of the financial institution uses a bank terminal connected to the bank system 120 or 130 to match the screening result 612 of the outgoing remittance request determined as "confirmation required (gray)". If the screening result 612 is updated to not match (OK) while updating to not match (OK) or match (NG), the reason is registered in the trail 613 . The foreign exchange transaction control device 100 stores the screening result 612 and the trail 613 . Stored screening results 612 can record initial determination results and updated determination results.

The foreign exchange transaction control apparatus 100 sends a notification to the customer terminal 110 to the effect that the request is unacceptable to the customer who made the remittance request determined as "matching (NG)". Customer terminal 110 may withdraw the remittance request, or correct the information in the corresponding part of the remittance request and resend it to foreign exchange transaction control device 100 in response to the determination of "agreement (NG)". can be done. In such a case, the foreign exchange transaction control apparatus 100 performs the AML check as described in S802 on the received remittance request.

In S805, the foreign exchange transaction control apparatus 100 updates the status 611 of the data of the outgoing remittance request indicating that the screening result 612 is "not matching (OK)" to "sent (or processed)" and Send an AML check processing completion notification to the bank system 120 or bank system 130 specified by the data. The processing completion notification may include data items such as, but not limited to, transaction acceptance ID 601 and designated remittance date 610 .

(Processing flow: outsourcing available)
In FIG. 10, the first bank that controls the first bank system 120 entrusts the operation of remittance (remittance from Japan to overseas) to the second bank that controls the second bank system 130. It is a flow diagram explaining an embodiment.

At S<b>1001 , the first bank system 120 reads data of the corresponding outward remittance request from the outward remittance 209 based on the transaction reception ID 601 included in the processing completion notice received from the foreign exchange transaction control device 100 . The first bank system 120 can select the second bank to which the business is entrusted based on the information stored in the read out remittance request data, and update the entrusting financial institution code 614 . The second bank to which the business is entrusted may be predetermined by the first bank, or the data contents of the outgoing remittance request (for example, remittance destination BIC code 604, recipient account 605, remittance currency 607, etc.) may be dynamically selected based on The first bank system 120 can transmit the data of the outgoing remittance request read from the foreign exchange transaction control device 100 to the second bank system 130 .

If the data is sent to the second banking system 130 after a number of days have passed since the AML check by the foreign exchange transaction controller 100, then in one embodiment of the present invention, the first banking system 120 waits for the foreign exchange transaction controller 100 to to perform AML check using the latest common list 207 and individual list 208, and after receiving the data of the remittance request after checking, it can be sent to the second bank system 130. The first banking system 120 notifies the second banking system 130 of the screening results 612 and trails 613 contained in the data of the remittance request, thereby confirming the AML checks performed by the first bank, the entrusting bank. can be shared with a second bank.

At S1002, the second bank system 130 performs an AML check on the data of the outgoing remittance request received from the first bank system 120 against the AML check list held by the bank. More specifically, the second bank system 130 checks whether the remitter information and recipient information included in the data of the outgoing remittance request match the information stored in the AML checklist held by the bank. Perform matching process. The second bank system 130 can also send an inquiry message to the first bank system 120 regarding the screening result 612 and trail 613 received in S1001. The AML checklist held by the second bank system 130 may be different from the common list 207 and the separate list 208 associated with the first bank.

In S1003, second bank system 130 determines whether or not the remitter information and recipient information included in the data of the outgoing remittance request correspond to the list as a result of the AML check. If the AML check result indicates "confirmation required (gray)" or "matches (NG)", the process proceeds to S1004, and if it indicates "does not match (OK)", the process proceeds to S1007.

At S<b>1004 , second banking system 130 notifies first banking system 120 of the result of the AML check performed by second banking system 130 . If the result of the AML check indicates “confirmation required (gray)” or “matches (NG)”, the second bank system 130 selects the AML check list held by the second bank system 130 from the determination The underlying reasons can be retrieved and the decision underlying reasons can be sent to the first banking system 120 . This determination ground reason can indicate the remitter information, the recipient information, and information from which information provider. In response to receiving this determination basis reason, the first bank representative accesses the foreign exchange transaction control device 100 from the first bank system 120 through a terminal and reads the AML check performed by the second bank system 130. As a result of the above, the screening result 612 for the outgoing remittance request determined as "confirmation required (gray)" is updated to "do not match (OK)" or "match (NG)", and the screening result 612 is changed to "do not match ( OK)”, the reason can be registered in the trail 613 . The foreign exchange transaction control device 100 stores the screening result 612 and the trail 613 . Stored screening results 612 can record initial determination results and updated determination results.

At S1005, the first banking system 120 can access the foreign exchange transaction control device 100 and add the decision basis reason information received from the second banking system 130 to the common list 207, and/or It can also be added to the individual list 208 as data associated with one bank. The individual list 208 of the first banking system 120 and the individual list 208 of the foreign exchange transaction controller 100 may be synchronized.

At S<b>1006 , first bank system 120 reads the data of the remittance request including updated screening result 612 and trail 613 from foreign exchange transaction control device 100 and transmits the read information to second bank system 130 . . Second banking system 130 stores the received information in second banking system 130 .

In S1007, the second bank system 130 collects the data of the outward remittance request for which the judgment of "does not match (OK)" was indicated in S1003, or the outward remittance request data received from the first bank system 120 in S1006. A remittance message is generated based on the request data and sent to the SWIFT network 140 . The outgoing remittance message sent is received by the payee's banking system.

In another embodiment of the present invention, the first bank, which is the customer bank, responds to the outgoing remittance request determined as "confirmation required (gray)" as a result of the AML check performed by the second bank, If it cannot be determined to be either "not match (OK)" or "match (NG)", the decision can be delegated to a second bank. In such a case, the first banking system 120 asks the second banking system 130 to determine whether it corresponds to "not matching (OK)" or "matching (NG)" at the second bank. and receive the results of its determination. The first bank system 120 can access the foreign exchange transaction control device 100 and update the data of the corresponding outgoing remittance request in the outgoing remittance 209 based on the received judgment result.

(Processing flow: no outsourcing)
FIG. 11 is a flow diagram for explaining an embodiment in which the second bank controlling the second bank system 130 transmits an outgoing remittance message via the SWIFT network 140 by itself without entrusting operations to other banks. be.

In S 1101 , second bank system 130 reads data of the corresponding outward remittance request from outward remittance 209 based on transaction receipt ID 601 included in the processing completion notice received from foreign exchange transaction control device 100 . If the application date 609 and the specified remittance date 610 included in the data of the read out remittance request indicate different dates, the foreign exchange transaction control device 100 can be requested to re-execute the AML check for the remittance request. The contents of the common list 207 and the individual list 208 may differ between the application date 609 and the specified remittance date 610 . A check can be made.

If the above AML check is requested and the screening result 612 received from the foreign exchange transaction control device 100 indicates "confirmation required (gray)", then in S1102, the person in charge of the second bank sends the second Access the foreign exchange transaction control device 100 from the bank system 130, and update the data of the remittance request determined as "confirmation required (gray)" to "do not match (OK)" or "match (NG)", The update reason may be stored in trail 613 . After the updating process is performed, the foreign exchange transaction control device 100 can transmit the updated data of the remittance request to the second bank system 130 .

Also, if the AML check results in a “match (NG)” determination, the second bank system 130 can notify the customer terminal 110 to that effect through the foreign exchange transaction control device 100 .

In S1103, the second bank system 130 reads out the data of the remittance request in which the application date 609 and the specified remittance date 610 included in the data of the remittance request read out in S1101 indicate the same date, or the above-mentioned AML check. is completed, based on the data of the destination remittance request received from the foreign exchange transaction control device 100 in S1102, a destination remittance message is generated and transmitted to the SWIFT network 140. FIG. The outgoing remittance message sent is received by the payee's banking system.

In the above-described embodiments of the present invention, real currencies (eg, US dollars, Japanese yen, etc.) have been described as examples, but the AML check scheme according to the present invention can also be applied to virtual currency remittances. Even when sending virtual currency, the sender and recipient information is recorded in the transaction record. For this reason, the foreign exchange transaction control apparatus 100 determines based on the information of the remitter and the receiver whether the remitter and the receiver correspond to the common list 207 and the individual list 208 before being recorded in the transaction record, and whether to continue the subsequent transaction. can determine whether

Although the principles of the present invention have been described with reference to exemplary embodiments, those skilled in the art will appreciate that various embodiments can be implemented that change in arrangement and detail without departing from the spirit of the invention. will understand. That is, the present invention can be embodied as, for example, a system, device, method, program, storage medium, or the like.

100 foreign exchange transaction control device 110 customer terminal 120 first bank system 130 second bank system 140 SWIFT network 201 control unit 202 main storage unit 203 auxiliary storage unit 204 interface (IF) unit 205 output unit 206 customer master 207 common list 208 Individual List 209 Remittance 210 Past Judgment History 220 Bus 900 Screening Result Inquiry Screen

Claims (11)

A foreign exchange transaction control device,
performing a first anti-money laundering (AML) check on received remittance request data based on a first list associated with an individual financial institution;
if the first AML check shows a positive determination result, sending an AML check processing completion notice to the first financial institution system associated with the outgoing remittance request data;
If the determination result of the second AML check by the second financial institution system executed after the processing completion notification indicates a determination result requiring confirmation , the reason for the determination transmitted by the second financial institution system a foreign exchange transaction controller configured to update the first list based on 3. The first AML check includes performing a first verification process to determine whether the remitter information and the recipient information included in the outgoing remittance request data match the information in the first list. 2. The foreign exchange transaction control device according to 1. if the first AML check indicates a confirmation -required determination result, transmitting the confirmation-required determination result to the first financial institution system associated with the outgoing remittance request data;
2. The foreign exchange transaction control device according to claim 1, further configured to receive update data for said confirmation required determination result from said first financial institution system. 4. The foreign exchange transaction control device according to claim 3, wherein said update data for said confirmation required determination result includes updated determination result and update reason. further configured to transmit an AML check processing completion notification to a first financial institution system associated with the outgoing remittance request data updated based on the update data for the confirmation required determination result; Item 4. A foreign exchange transaction control device according to Item 3. further comprising a second list that can be shared by multiple financial institutions;
2. The foreign exchange transaction controller of claim 1, further configured to update said second list based on said decision-based reasons transmitted by said second financial institution system. The first AML check further includes performing a second verification process to determine whether the remitter information and recipient information included in the outgoing remittance request data match information on the second list. Item 7. A foreign exchange transaction control device according to Item 6. Further equipped with past judgment history data,
2. The foreign exchange transaction control according to claim 1, wherein said first AML check includes determining whether or not the remitter information and recipient information included in said outgoing remittance request data are included in said past determination history data. Device. The second financial institution system is a system controlled by a second financial institution entrusted with overseas remittance operations by the first financial institution that controls the first financial institution system. 2. The foreign exchange transaction control device according to 1. A foreign exchange transaction control method executed by a foreign exchange transaction control device,
performing a first anti-money laundering (AML) check on received remittance request data based on a first list associated with an individual financial institution;
sending an AML check processing completion notification to a first financial institution system associated with the outgoing remittance request data if the first AML check indicates a positive determination result;
If the determination result of the second AML check by the second financial institution system executed after the processing completion notification indicates a determination result requiring confirmation , the reason for the determination transmitted by the second financial institution system and updating said first list based on. A program that, when executed by a processor, causes a foreign exchange transaction controller to perform the method of claim 10.

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