TW202312067A - Comparison and integration method for information relevance between customers and comparison and integration equipment for information relevance between customers capable of collecting and establishing different accounts belonging to the same person or the relevance between customers from the account contents - Google Patents

Abstract

Provided is a comparison and integration method for information relevance between customers, which is executed by a comparison and integration equipment for information relevance between customers. The comparison and integration equipment for information relevance between customers includes a plurality of branch servers and an information integration platform. The method includes: using the information integration platform to receive branch account data streams of the branch servers, and execute a relevance comparison algorithm, wherein the relevance comparison algorithm is relevant to comparison of whether the same letters or words exist in contents of the information of each customer; and, if yes, generating N groups of integrated account identifiers respectively corresponding to N branch account data streams according to the same letters or words among the information of N customers, wherein customer numbers of the N integrated account identifiers are the same as at least one of a family-relevant number and a group-relevant number.

Description

Information correlation comparison and integration method among customers and information correlation comparison and integration equipment among customers

The present invention relates to a method and equipment for information inquiry, in particular to a method and equipment for bank account information integration.

In the existing single banking system, there are multiple branches at home and abroad, and the accounts of the same customer are different in each branch at home and abroad. Therefore, when there is a need for business transactions between branches, it is impossible to know whether the customer is the same customer based on the account number. .

In addition, if multiple customers are related to each other, for example: they belong to the same enterprise group, or are members of the same family, when each branch needs to grasp the relationship between customers in order to facilitate various activities, At present, relevant personnel manually create relevant reports one by one based on customer information to know whether each customer is related to each other. Therefore, it is not only error-prone, but also time-consuming, resulting in relatively limited information. Therefore, the existing banking system There is a need to improve the internal integration of various customer information.

Therefore, an object of the present invention is to provide a method for comparing and integrating information correlation between customers, which can integrate account content and establish different accounts belonging to the same person, or customer correlation without manual comparison.

Therefore, the information correlation comparison and integration method between customers of the present invention is executed by an information correlation comparison and integration device between customers. The information correlation comparison and integration device between customers includes a plurality of branch servers connected by communication with each other, and a An information integration platform that communicates with the branch servers. Each branch server stores multiple branch account data streams. The content of each branch account data stream indicates a customer identification code and the customer corresponding to the customer identification code. information, and the format and content of the branch account data stream stored by each branch server is different from the format and content of the branch account data stream stored by another branch server. The method for comparing and integrating information correlation between customers includes a step (A) , a step (B), and a step (C).

The step (A) is that the information integration platform receives each branch account data flow from each branch server.

The step (B) is that the information integration platform executes a correlation comparison algorithm on the received branch account data flow, and the correlation algorithm is related to comparing whether the content of each customer information has the same word word.

If the step (C) is yes, the information integration platform generates N sets of integrated account identification codes corresponding to the N branch account data streams according to those with the same words among the N pieces of customer information, and the N integrated account identification codes Each of the codes includes a customer number, a family association number, and a group association number, and the customer number is the same as at least one of the family association number and the group association number, N≧2.

In addition, another object of the present invention is to provide an information correlation comparison and integration device between customers that can integrate account content and establish different accounts belonging to the same person without manual comparison, or the correlation between customers. .

Therefore, the information correlation comparison and integration device among customers of the present invention includes multiple branch servers and an information integration platform.

These branch servers are connected to each other by communication, and each branch server stores multiple branch account data streams, and the content of each branch account data stream indicates a customer identification code and customer information corresponding to the customer identification code, and The format and content of the branch account data stream stored by each branch server is different from the format and content of the branch account data stream stored by another branch server.

The communication integration platform communicates with the branch servers.

The information integration platform receives each branch account data flow from each branch server.

The information integration platform executes a relevancy comparison algorithm on the received branch account data flow, and the relevancy algorithm is related to comparing whether the content of each customer information has the same words.

If so, the information integration platform generates N sets of integrated account identification codes corresponding to the N branch account data streams according to those with the same words among the N pieces of customer information, and each of the N integrated account identification codes includes a A customer number, a family association number, and a group association number, and the customer number is the same as at least one of the family association number and the group association number, N≧2.

The effect of the present invention lies in: the branch account data flow received by the information integration platform, and the correlation comparison algorithm is executed to generate an integrated account identification code, which can be distinguished as belonging to the same person, or belonging to the same group enterprise or family Different customers of the relationship.

The present invention is to collect customer information of domestic and overseas branches of the same banking system, or other related channels, and then know whether they belong to the same person or customer relationship from different accounts, so as to control credit risk and prevent money laundering (AML) : Anti-Money Laundering), and help other business promotion, and provide a consistent level of service, in addition, as far as linked accounts are accounts belonging to the same person or different accounts that are related to each other, due to money laundering prevention The linkage impact assessment of operation and credit risk requires that the bank must know that those customers belong to the same group or belong to the same family, so it is necessary to establish a mechanism for identifying related accounts. The specific implementation of the present invention will be further described in detail below.

Referring to Fig. 1 and Fig. 2, it is an embodiment of the method for comparing and integrating information correlation between clients according to the present invention, which is executed by a device for comparing and integrating information correlation between clients. The device for comparing and integrating information correlation between clients includes multiple The branch servers 2 communicated with each other, and an information integration platform 3 communicated with the branch servers 2.

Each branch server 2 is a domestic and overseas branch belonging to the same banking system. In more detail, when the branch server 2 is a domestic host, it can be further subdivided into internal credit investigation hosts and accounts receivable (such as Financing) processing host, or financial product sales management host, credit card host...etc.

The information integration platform 3 is the information integration center within the banking system, which is used to integrate all customer information obtained based on the "Know Your Customer Mechanism (KYC: Know your customer, hereinafter referred to as the KYC Mechanism)" throughout the bank, Find out the correlation between customers and the relationship between the same person by means of data calculation (batch reverse check), and further identify and encode them with a computer device (not shown) according to the calculation results. The following is a further detailed description of the Wait for branch server 2 and this information integration platform 3.

Each branch server 2 separately stores a plurality of branch account data streams, the content of each branch account data stream indicates a customer identification code, and customer information corresponding to the customer identification code, and the branch information stored in each branch server 2 The format content of the account data flow is different from that of the branch account data flow stored in another branch server 2. In this embodiment, each customer identification code is the customer's bank account number, and the customer information is the bank customer's bank account number when opening an account. The personal data retained, such as name, residential address, family members, occupation, work belonging to the enterprise group... etc. In addition, if the customer is a legal person, the customer information also includes the date of establishment, mailing address, related person (responsible for people, executives, substantial beneficiaries) ... etc.

The information integration platform 3 includes a plurality of relay servers 31 respectively communicating with the branch servers 2, a data processing server 32 communicating with the relay servers 31, and a communication with the branch servers 2 Big data analysis server 33 connected by communication, these relay servers 31 are, for example, IBDM (fajin information platform), RMS (data storage) host, and the data processing server 32 includes a database storing multiple head office accounts 321. A data comparison module 322 electrically connected to the database 321 and the relay servers 31, and an integrated account distribution module 323 electrically connected to the data comparison module 322. In this embodiment Among them, the head office accounts correspond to the data flow of the branch accounts respectively. In addition, the head office accounts can be further divided into two categories: one is the basic information of customers (address, phone number, etc.), and the other is the relationship between customers Data (customer’s associates, spouses and other family members, etc.), the data comparison module 322 is, for example, the eKYC (know your customer platform) host, and the integrated account allocation module 323 is, for example, Global ID (Global Customer Identification Code) Distribution host, the big data analysis server 33 is also connected to the database 321, the integrated account distribution module 323, and an external public information server 4. Information page.

The customer information integration method includes a step (A), a step (B), and a step (C).

The step (A) is that the information integration platform 3 receives each branch account data stream of each branch server 2 .

With reference to FIG. 3 , the step (A) includes a sub-step (A1), a sub-step (A2), a sub-step (A3), and a sub-step (A4).

The sub-step (A1) is that the relay servers 31 periodically receive a plurality of branch account data streams from the branch servers.

The sub-step (A2) is that the data comparison module 322 of the data processing server 32 receives the branch account data flow previously received by the branch servers 2 from the relay servers 31 at a specific time point.

The sub-step (A3) is that the big data analysis server 33 periodically receives the branch account data flow from the database 321, more specifically, the data comparison module 322 receives the data from the relay server The server 31 collects relevant data and sends it to the database 321 for the big data analysis server 33 to receive.

The sub-step (A4) is that the big data analysis server 33 reads a plurality of public information streams associated with the account data streams from the public information server 4 .

The step (B) is for the information integration platform 3 to execute a correlation comparison algorithm on the branch account data flow received by each relay server 2, the correlation algorithm is related to the branch account data Comparing and judging whether there are identical words, and then judging whether they belong to the same customer’s data. It is further explained that in this step (B), the data comparison module 322 uses the KYC mechanism to process the data according to the branch account data flow. Collect and execute the correlation comparison algorithm, that is, to find out the relationship between the same person by means of data calculation. In addition, in this step (B), the big data analysis server 33 also analyzes the branch account data flow , the public information flow executes the correlation algorithm.

It is further added that in this step (B), the specific method of comparing the same words: if the specific data field of a new account A is consistent with the content of this field of other existing customers B and C in the database (such as: certificate number ), the system (that is, the data comparison module 322) judges that A, B, and C are the same person, and allocates the same customer number for A, B, and C; The content of other existing fields in the database is inconsistent, but there are a certain number of other specific data field data that are consistent with B and C (for example: the ID number of the company account is inconsistent, but the address, establishment date, e-mail@ The three items of the network domain are the same), then the system judges that A, B, and C are suspected to be the same person, and sends a mail through the system to the salesman who manages the customer or the person who has/is performing A/B/C’s KYC, using the system’s The case investigation module manually determines whether A, B, and C are the same person, and the system assigns a customer number according to the human confirmation result; if none of the above conditions are met, the system judges that the new customer A is not the same person as any existing customer, and the system Assign a separate customer number.

The step (C) is that if there are identical words, the integrated account allocation module 323 of the information integration platform 3 generates N sets of account information corresponding to the N branch accounts according to those with the same words among the N pieces of customer information The integrated account identification code corresponding to the flow, each of the N integrated account identification codes includes a customer number, a family association number, and a group association number, and the customer number, the family association number, and the group association number At least one is the same, N≧2. It should be added that the integrated account allocation module 323 also performs the correlation calculation with the big data analysis server 33 together with the comparison result of the data comparison module 322 method to generate such consolidated account identifiers.

It is further explained that in this step (C), the integrated account distribution module 323 generates the integrated account identification codes according to the comparison result of the data comparison module 322. In addition, the integrated account identification code and Correspondence between customer identification codes. In this embodiment, each integrated account identification code (hereinafter referred to as Global ID) is a set of 30-digit numbers. Each customer in the whole bank has a set of codes, indicating the customer's group Association relationship, family association relationship, and same-person relationship, please refer to the following table 1. For example, the Global ID is composed of group-related household number, family-related household number, and customer number. Please refer to the following table 2 to explain that in this step (C), The specific appearance of multiple integrated account identification codes that are related to each other. For example, in the fields of the person in charge of company A and the spouse of the person in charge of company A in Table 2, the customer numbers of the two are 0000000002 and 0000000004 respectively. The two are members of the same family, so their family-related account numbers are both 0000000001. In addition, since the two may belong to different subsidiary enterprise groups, the group-related account numbers are 0000001 001 and 0000001 000 respectively, but both belong to the same It is an enterprise group, so the first 7 codes of the closed business account number of the group are also 0000001. Global ID Group related account number (7 codes + 3 codes) Family related household number (10 codes) Customer number (each customer number is different) (Table I) Company A 0000001 001-0000000000-0000000001 Person in charge of company A 0000001 001-0000000001-0000000002 Company B in the same group as Company A 0000001 000-0000000000-0000000003 Spouse of the person in charge of Company A 0000001 000-0000000001-0000000004 Brother of the person in charge of Company A 0000000 000-0000000001-0000000005 (Table II)

In addition, the data comparison module 322 can also execute the correlation comparison algorithm according to the head office account and the branch account data flow, and the integrated account distribution module 323 The comparison results generate such integrated account identification codes, that is, after each new account is officially launched, the data comparison module 322 performs customer data comparison to determine whether the account is the same as the existing old account of the bank, In addition, the big data analysis server 33 regularly executes batch reverse checks based on the branch account data streams and the public information streams for comparison of related parties, and feeds back the comparison results to the integrated account for distribution. Module 323, as shown in FIG. 4 .

Among them, the second aspect of this embodiment is: after the integrated account allocation module generates the corresponding integrated account identification code, it can also send the item to the computer equipment of the authority to confirm the generation according to the dispatching rules set inside the bank. After confirming the result information, the integrated account allocation module receives the confirmed result information and assigns the integrated account identification code accordingly.

Among them, the third aspect of this embodiment is: if the computer equipment to which the authority belongs receives a new information about the customer, the editing function of the computer equipment can also be used to update the same person/associated account information of the customer to generate an updated edit information; The integrated account allocation module receives the updated editing information, and updates the integrated account identification code accordingly. In addition, the relevant information (index file) of the integrated account identification code of all customers in the bank is placed in the bank's internal point-to-point database (MFTP: Multisource File Transfer Protocol) and is updated daily for use by other system interfaces, and the computer equipment that belongs to the power and responsibility executes When comparing and confirming, you can also drag left and right from the corresponding case investigation interface to determine whether a customer belongs to the same person/same associated account as other customers, and the same group list may involve customers who are responsible for multiple business personnel. Therefore, multiple business personnel must have a consensus on the artificial confirmation results of the same person/same associated account, so the business personnel can check each other's confirmation result information from other specialist computer equipment in the interface through the commissioner's computer equipment, according to the multiple confirmation results After the information generates consensus information, a case signal related to the consensus information is sent to a supervisory computer device for final review, as shown in FIG. 5 .

In the above-mentioned embodiment, the relay servers first receive the branch account data flow from the branch server 2 in batches, and then the data comparison module 322 collects the data, and uses the correlation comparison algorithm Compare the same words, and then generate the corresponding integrated account identification code by the integrated account distribution module 323, and then can distinguish whether each of the integrated account identification codes belongs to the same person or is related to each other, so there are the following advantage:

1. Using the received big data, use data calculations to find out the relationship between customers, provide a list of suggestions for the same person/same related account, and make up for the lack of knowledge of business personnel.

2. Systematic dispatch, case processing, and coding to improve operational efficiency.

3. Integrate customers existing in various systems of the whole bank on a single platform to provide a comprehensive query perspective.

4. The automatic delivery rules designed according to the business rights and responsibilities can reduce the manpower input of human allocation, and the query authority structure designed according to the business rights and responsibilities can control the customer's personal data and sensitive information with the principle of minimization, so the present invention can indeed be achieved the goal of.

But the above-mentioned ones are only embodiments of the present invention, and should not limit the scope of the present invention. All simple equivalent changes and modifications made according to the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by the patent of the present invention.

2: Branch server 3: Information integration platform 31:Relay server 32: Information processing server 321: database 322:Data comparison module 323:Integrate account allocation module 33: Big data analysis server A: steps B: step C: steps A1: Substeps A2: Substeps A3: Substeps A4: Substeps

Other features and effects of the present invention will be clearly presented in the implementation manner with reference to the drawings, wherein: Fig. 1 is a flow chart illustrating an embodiment of the method for comparing and integrating information correlation between customers of the present invention; Fig. 2 It is a block diagram illustrating an information correlation comparison and integration device between clients implementing the embodiment; FIG. 3 is a flow chart illustrating a step (A) of the embodiment; FIG. 4 is a schematic diagram to assist in explaining the client An integrated account allocation module of the information correlation comparison integration device; and FIG. 5 is a schematic diagram to assist in explaining the integrated account allocation module.

A: steps

B: step

C: steps

Claims (10)

A method for comparing and integrating information correlation between customers, which is executed by a device for comparing and integrating information correlation between customers. An information integration platform for branch server communication connections, each branch server stores multiple branch account data streams, and the content of each branch account data stream indicates a customer identification code and customer information corresponding to the customer identification code, and The format and content of the branch account data stream stored by each branch server is different from the format and content of the branch account data stream stored by another branch server. The information correlation comparison and integration method between customers includes: (A) The information integration platform receives each branch account data flow from each branch server; (B) The information integration platform executes a correlation comparison algorithm on the branch account data flow received, and the correlation algorithm is related to comparing whether there are identical words in the content of each customer information; and (C) If yes, the information integration platform generates N sets of integrated account identification codes corresponding to the N branch account data streams based on those with the same words among the N pieces of customer information, and each of the N integrated account identification codes One includes a customer number, a family association number, and a group association number, and the customer number is the same as at least one of the family association number and the group association number, N≧2. According to the information correlation comparison and integration method between customers as described in claim item 1, the information integration platform includes a plurality of relay servers respectively communicating with the branch servers, and a data communication link with the relay servers processing the server, wherein the step (A) includes the following sub-steps, (A1) the relay servers periodically receive streams of branch account data from the branch servers, and (A2) The data processing server receives the branch account data flow previously received by the branch servers from the relay servers at a specific point in time. According to the information correlation comparison and integration method between customers described in claim item 1, the information integration platform also includes a big data communication link with the branch servers, the data processing server, and an external public information server Analyzing the server, wherein the step (A) further includes the following sub-steps, (A3) the big data analysis server periodically receives the branch account streams from the data processing server, and (A4) The big data analysis server reads multiple public information streams associated with the account data streams from the public information server, and executes the association between the branch account data streams and the public information streams algorithm. The information correlation comparison and integration method between clients as described in claim item 1, wherein, in the step (C), the data processing server also includes the comparison results of the data comparison module and the big data analysis The integrated account identifiers are generated as a result of the server executing the correlation algorithm. The method for comparing and integrating information correlation among customers as described in claim item 1, wherein, in the step (B), the same word is at least one of enterprise group, personal address, and personal name. An information correlation comparison and integration device between customers, comprising: A plurality of branch servers connected by communication, each branch server stores multiple branch account data streams, the content of each branch account data stream indicates a customer identification code and customer information corresponding to the customer identification code, and the format and content of the branch account data stream stored by each branch server is different from the format and content of the branch account data stream stored by the other branch server; and An information integration platform communicating with the branch servers, The information integration platform receives each branch account data flow from each branch server, The information integration platform executes a correlation comparison algorithm on the branch account data flow received, and the correlation algorithm is related to comparing whether there are identical words in the content of each customer information, If so, the information integration platform generates N sets of integrated account identification codes corresponding to the N branch account data streams according to those with the same words among the N pieces of customer information, and each of the N integrated account identification codes includes a A customer number, a family association number, and a group association number, and the customer number is the same as at least one of the family association number and the group association number, N≧2. The information correlation comparison and integration device between customers as described in claim item 6, wherein the information integration platform includes a plurality of relay servers that are respectively connected to the branch servers by communication, and a communication connection to the relay servers The data processing servers, the relay servers periodically receive multiple branch account data streams from the branch servers, and the data processing servers receive the branch account data streams from the relay servers at a specific point in time The branch account stream previously received by the server. The information correlation comparison integration device between clients as described in claim item 7, wherein the data processing server is electrically connected to the data comparison module of the relay servers, and is electrically connected to the data comparison module The integrated account distribution module, the data comparison module collects data according to the branch account data flow, and executes the correlation comparison algorithm, the integrated account distribution module according to the data comparison module The comparison results generate the integrated account identification codes. The information correlation comparison integration device between customers as described in claim item 8, wherein the data processing server also includes a database that stores multiple head office accounts and is electrically connected to the data comparison module, and the head office accounts Corresponding to the branch account data flows, the data comparison module collects data according to the head office accounts and the branch account data flows, and executes the correlation comparison algorithm. The comparison results of the data comparison module generate the integrated account identification codes. The information correlation comparison and integration device between customers as described in claim item 7, wherein the information integration platform also includes a distribution module related to the branch servers, the database, the integrated account, and an external disclosure The big data analysis server connected to the information server communication, the big data analysis server periodically receives the branch account data flow from the database, and reads multiple records and the account data flow from the public information server associated public information streams, and execute the correlation algorithm on the branch account data streams and the public information streams, and the integrated account allocation module also combines the comparison results of the data comparison module with the The integrated account identification codes are generated as a result of the correlation algorithm executed by the big data analysis server.

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