TWI695925B - Safe deposit box system including money-laundering prevention features - Google Patents

Abstract

Safe deposit box system includes a server and a registration device. The server includes a storage module and a processor, in which the storage module stores a plurality of money-laundering patterns. The registration device includes a input module and a transmitting module. The transmitting module of the registration is configured to send opening information to the server, and the processor is configured to judge the opening information meets one of the money-laundering patterns and form an opening record report.

Description

Safe deposit box system added anti-money laundering control mechanism

The present invention relates to a safe deposit box system, and more specifically relates to a safe deposit box system having an anti-money laundering control mechanism.

In recent years, the relevant financial authorities have paid more and more attention to the prevention of money laundering and the financing of terrorist activities, and have successively legislated to promulgate relevant laws and regulations. Therefore, banks are bound to modify the current processing procedures to monitor financial transactions suspected of money laundering and capital fear.

However, in order to achieve the above purpose, banks need to send additional personnel to check various transaction records, especially in the safe deposit box, which is not only extremely time-consuming and labor-intensive, but also prone to errors. Therefore, a technical solution for an improved safe deposit box system is needed to reduce manpower requirements and reduce the chance of errors.

One aspect of the present invention provides a safe deposit box system including a server and an unpacking registration device. The server includes a storage module and a processor. The processor and the storage module are electrically connected. The storage module stores multiple money laundering patterns. The form of money laundering contains at least one principle of judgment. The unpacking registration device includes an input module and a transmission module. The unpacking registration device is connected to the server through a network. The input module configuration is used to input multiple unpacking information of the unpacking application. The transmission module configuration of the unpacking registration device To send the unpacking information to the server, the processor of the server is configured to determine whether the unpacking information conforms to one of the money laundering styles according to the judgment principles, and generate an unpacking record report.

In one embodiment, the money laundering aspects include that the tenant frequently opens the safe deposit box, the same tenant rents multiple safe deposit boxes, multiple people open the safe deposit box, or the non-tenant frequently open the safe deposit box.

In one embodiment, the unpacking information includes the unpacker's identity, and the unpacker's identity includes the tenant's own options and the non-tenant's options.

In one embodiment, the unpacking information further includes the relationship between the unpacker and the lessee, and the relationship between the unpacker and the lessee includes the lessee's own options, immediate blood relatives options, spouse options, and other options.

In one embodiment, when the unpacker identity is the lessee's own option, the immediate blood relatives option, spouse option, and other options of the relationship between the unpacker and the lessee are in an unselectable state.

In an embodiment, when the unpacker's identity is a non-lessee option, if the relationship between the unpacker and the lessee is the lessee's own option, the unpacking registration device prompts an error message.

In an embodiment, the unpacking information further includes a remark. When the relationship between the unpacker and the tenant is other options, if the remark is blank, the unpacking registration device prompts an error message.

In an embodiment, the unpacking information further includes the unpacking person's last name Name and ID number of the unpacker.

In an embodiment, when the unpacker's identity is a non-tenant option, the unpacker's name and the unpacker's ID number are required fields.

In one embodiment, the processor stores the unpacking record report in the storage module.

The above description will be described in detail in the following embodiments, and the technical solutions of the present invention will be further explained.

100‧‧‧ Safe deposit box system

110‧‧‧ Unpacking registration device

111‧‧‧input module

112‧‧‧Transmission module

120‧‧‧Server

121‧‧‧ processor

122‧‧‧Storage module

200‧‧‧Operation method

210, 220, 230, 240 ‧‧‧ steps

C1‧‧‧Connect

In order to make the above and other objects, features, advantages and embodiments of the present invention more comprehensible, the drawings are described as follows: FIG. 1 is a block diagram of a safe deposit box system 100 according to an embodiment of the present disclosure Figure; and Figure 2 is a flowchart of a method 200 for operating a safe deposit box system according to an embodiment of the present disclosure.

In order to make the description of this disclosure more detailed and complete, please refer to the attached drawings and the various embodiments described below. The same numbers in the drawings represent the same or similar elements. On the other hand, well-known elements and steps are not described in the embodiments to avoid unnecessary restrictions to the present invention.

This disclosure provides a safe deposit box system, which has a control mechanism to prevent money laundering, and can periodically produce reports, so that users can detect customers who meet the suspected money laundering status based on the report and analyze them to It is forbidden that interested persons use the safe deposit box to launder money.

FIG. 1 illustrates a safe deposit box system 100 according to an embodiment of the present disclosure. The safe deposit box system 100 includes an unpacking registration device 110 and a server 120. The unpacking registration device 110 includes an input module 111 and a transmission module 112. The input module 112 is used to input the unpacking information into the unpacking registration device 110, and the transmission module 112 is used to send the unpacking information to the server 120. The server 120 includes a processor 121 and a storage module 122. The processor 121 and the storage module 122 are electrically connected. The unpacking registration device 110 and the server 120 can establish a communication connection C1 through the network to connect with each other.

In some embodiments, the storage module 122 stores a plurality of money laundering aspects and the judgment principles of the money laundering aspects. In some embodiments, the money laundering patterns are suspected money laundering patterns in the safe deposit box appendix of the Model Precautions for Anti-Money Laundering and Anti-Terrorism Precautions for Banks of the National Association of Commercial Banks of China. For example, the above-mentioned suspected money laundering situation is, for example, that the tenant frequently opens the safe deposit box, the same tenant rents multiple safe deposit boxes, multiple people open the safe deposit box, or a non-tenant frequently opens the safe deposit box.

In some embodiments, the above unpacking information includes the unpacker's identity, the relationship between the unpacker and the tenant, the unpacker's name, the unpacker's ID number, the number of unpacking partners, and remarks.

In some embodiments, the unpacking registration device includes a user interface (not shown), and the user interface has fields for filling out the unpacking information. To further explain, in these fields, the tenant's name, tenant's ID number and remarks are blank fields, and you can enter text in these blank fields. The unpacker status can be a drop-down menu, including "lessee's own options" to And "Non-tenant option", and the relationship between the unpacker and the tenant can be a drop-down menu, including "lessee's own option", "immediate blood relatives option", "spouse option" and "other options". In other words, the unpacker status can be the lessee or the non-lessee, and the relationship between the unpacker and the lessee can be the lessee, his immediate blood relatives, spouse, or others. When the relationship between the unpacker and the lessee is "Other Options", you need to enter the relationship between the unpacker and the lessee in the remarks field. If the relationship between the unpacker and the lessee is "other options" and the remarks field is blank, the unpacking registration device 110 prompts an error message, this error message includes "Please enter the unpacker and the lessee in the remarks field relationship".

In some embodiments, "other options" includes a prompt string that includes "please enter the relationship between the unpacker and the tenant."

In some embodiments, the number of unpacking partners may be 0-9. In other embodiments, the number of unpacking partners is a pull-down menu, and the pull-down menu includes options from 0-9.

When the unpacker's identity is a non-tenant, the unpacker's name and the unpacker's ID number are required fields. If the above required fields are blank, the unpacking registration device 110 prompts an error message, which includes "Please enter the name of the unpacker and the ID number of the unpacker".

In some embodiments, the identity of the unpacker, the relationship between the unpacker and the tenant, and the number of unpackers together are required fields. If the fields of the unpacker's identity, the relationship between the unpacker and the tenant, or the number of unpackers are blank, the unpacking registration device 110 will prompt an error message, which includes "Please enter the unpacker's identity, unpacker" Relationship with the lessee and the number of unpackers."

In some embodiments, if the unpacker status is the lessee, the "immediate blood relatives option", "spouse option" and "other options" in the drop-down menu of the relationship between the unpacker and the lessee are unselectable For example, the above unselectable state can be gray.

In other embodiments, the storage module 122 of the server 120 stores a safe deposit box tenant database. If the unpacker identity is the lessee, the transmission module 112 of the unpacking registration device 110 transmits the safe deposit box’s Numbered to the server 120, the processor 121 finds the corresponding tenant data in the safe box tenant database of the storage module 122 and returns it to the unpacking registration device 110, the processor (not shown) of the unpacking registration device 110 ) Fill the corresponding tenant information into the fields of the unpacker's name and the unpacker's ID number. In addition, if the unpacker's identity is the lessee, the remarks field is also in a state that cannot be filled. For example, the remarks field is gray.

To further explain, when the unpacker status is a non-tenant, the relationship between the unpacker and the tenant is preset to "immediate blood relatives option". You can still open the drop-down menu and select "immediate blood relatives option", " Spouse option" or "other options". It is worth noting that when the unpacker's identity is a non-tenant, if the relationship between the unpacker and the tenant is selected as "lessee's own options", the unpacking registration device 110 will prompt an error message, this error message includes "this time The transaction is unpacked by the non-tenant. Do not select "Leaser" in the "Relationship between the unpacker and the tenant" field."

When the relationship between the unpacker and the tenant selects "other options", the remarks are required fields. In other words, if no text is entered in the remarks field, the unpacking registration device 110 will prompt an error message, this error message contains "Please prepare Note the field to enter the relationship between the unpacker and the lessee."

In order to explain the operation of the safe deposit box system 100 more clearly, please refer to FIG. 2. FIG. 2 illustrates the operation method 200 of the safe deposit box system 100. It should be understood that the steps mentioned in Figure 2 can be adjusted in accordance with the actual needs except for those whose sequences are specifically stated. They can also be executed at the same time or partially, and even additional steps can be added or omitted. Steps.

In step 210, the input module 111 of the unpacking registration device 110 is configured to input multiple pieces of unpacking information for an unpacking application, and the unpacking information includes the identity of the unpacker and the relationship between the unpacker and the tenant. , The name of the person who opened the box, the ID number of the person who opened the box, the number of people who opened the box together with the remarks. As described above, in some embodiments, the unpacking registration device 110 may include a user interface, the user interface has multiple fields, and the user may fill in the corresponding unpacking information through the input module 111 into the corresponding In each field.

In some embodiments, the unpacking registration device 110 includes a processor (not shown). The processor is configured to check whether each field of the user interface has been filled according to a preset rule. The rule here refers to the corresponding relationship between the aforementioned fields and whether there will be an error prompt when the field is left blank, for example, when the unpacker is a non-lessee, the relationship between the unpacker and the lessee If the tenant himself is selected, the unpacking registration device 110 will prompt an error message. The method of prompting may be, for example, a pop-up window or the field is indicated by a red frame.

In step 220, the transmission module 112 of the unpacking registration device 110 is configured to send the unpacking information to the server 120. In some embodiments, the transmission module 112 of the unpacking registration device 110 transmits the unpacking information to the server 120 via a network connection. In some embodiments, the transmission module 112 The unpacking information is sent to the server 120 in the form of a form.

In some embodiments, the user interface includes a send button. After the user clicks the send button, the unpacking registration device 110 transmits the unpacking information to the server 120. Before the out-of-box registration device 110 sends out the out-of-box information, the processor of the out-of-box registration device 110 will perform a check of each field of the user interface to check whether there are any missing or not filled in accordance with the rules.

In step 230, the processor 121 of the server 120 is configured to determine whether the unpacking information conforms to one or more of the money laundering styles according to the determination principle.

More specifically, in some embodiments, the processor 121 of the server 120 reads the pre-stored judgment principles of each money laundering pattern from the storage module 122, and judges whether the unpacking information conforms to the money laundering status according to these judgment principles kind. For example, the form of money laundering may be the suspected form of money laundering in the safe deposit box category in the appendix of the Model Precautions for the Bank of the Republic of China National Association of Commercial Associations of Banks for the Prevention of Money Laundering and the Fight against Capital Terrorism. Multiple safe deposit boxes, several people open the safe deposit boxes or non-tenants frequently open the safe deposit boxes.

In step 240, the processor 121 of the server 120 generates an unpacking record report. In some embodiments, the processor 121 stores the unpacking record report in the storage module 122. The unpacking record report contains unpacking information, for example, the branch of the safe deposit box, the name of the unpacker, the name of the tenant of the safe deposit box, and the unpacking time. In addition, the unpacking record report further includes the money laundering pattern determined in step 230 and the like. The above unpacking record report is only illustrative and is not intended to limit the information contained in the unpacking record report. It is worth noting that in the step In step 230, if the processor 121 of the server 120 determines that an out-of-box information does not match any money laundering pattern stored in the storage module 122, the field of the corresponding money-laundering pattern in the unpacking record report will show no In line with any form of money laundering. In some embodiments, the unpacking record report is referred to as the "monitoring report of the safe deposit box suspected money laundering transaction".

More specifically, in some embodiments, the processor 121 of the server 120 generates an unpacking record report based on all unpacking information on the day for the user to check the transaction behavior of suspected money laundering. If there is no unpacking information on that day, the processor 121 of the server 120 will still generate an unpacking record report and display "no data" in it. In some embodiments, the unpacking record report is stored in the storage module 122.

In addition, since some judgments of money laundering need to consult the recent unpacking information, the processor 121 of the server 120 can read the recent unpacking record report from the storage module 122, so that the processor 121 can judge the conformity according to these data Of money laundering. In addition, there are some judgments about money laundering that need to refer to the information of the newly leased safe deposit box. Therefore, in some embodiments, the storage module 122 of the server 120 stores the newly leased safe deposit box information, and the processor of the server 120 121 reads the information of the newly rented safe deposit box from the storage module 122, so that the processor 121 can judge the conformity of money laundering.

The present invention provides a safe deposit box system, which can obtain more information during unpacking registration, so that the processor can judge whether it conforms to the form of suspected money laundering, and regularly generate unpacking record reports. Users can find out several unpacked transactions that the system judges to meet the money laundering status through this unpacking record report, and then they can immediately find any suspected money laundering transactions and monitor them to greatly reduce the security. The tube box is used as an opportunity for money laundering tools. Automatically generating unpacking record reports on a regular basis can greatly reduce manpower requirements, thus avoiding the possibility of errors when manually comparing suspected money laundering patterns.

Although the present invention has been disclosed as above in an embodiment, it is not intended to limit the present invention. Anyone who is familiar with this skill can make various modifications and retouching without departing from the spirit and scope of the present invention, so the protection of the present invention The scope shall be determined by the scope of the attached patent application.

100‧‧‧ Safe deposit box system

110‧‧‧ Unpacking registration device

111‧‧‧input module

112‧‧‧Transmission module

120‧‧‧Server

121‧‧‧ processor

122‧‧‧Storage module

C1‧‧‧Connect

Claims (9)

A safe deposit box system includes: a server, including a storage module and a processor, the processor is electrically connected to the storage module, the storage module stores a plurality of money laundering appearances, each of the money laundering appearances Contains at least one judgment principle; and an unpacking registration device, including an input module and a transmission module, the unpacking registration device is connected to the server through a network, and the input module is configured to input an unpacking application Multiple unpacking information, the unpacking information includes an unpacker identity, the unpacker identity includes a tenant's own option and a non-tenant's option, the transmission module of the unpacking registration device is configured to The unpacking information is sent to the server, and the processor of the server is configured to determine whether the unpacking information conforms to one of the money laundering patterns according to the judgment principles, and generate an unpacking record report. As in the safe deposit box system described in claim 1, these money laundering forms include the tenant frequently opening the safe deposit box, the same tenant renting multiple safe deposit boxes, cooperating with multiple persons to open the safe deposit box, or the non-tenant frequently opening the safe deposit box. According to the safe deposit box system described in claim 1, the unpacking information further includes a relationship between the unpacker and the lessee, and the relationship between the unpacker and the lessee includes an option of the lessee himself, the option of always being a blood relative, One spouse option and one other option. For the safe deposit box system described in claim 3, when the unpacker's identity is the option of the lessee, the relationship between the unpacker and the lessee The immediate blood relative option, the spouse option, and the other options are in an unselectable state. For the safe deposit box system described in claim 3, when the unpacker's identity is the non-lessee option, if the relationship between the unpacker and the lessee is the lessee's own option, the unpacking registration device prompts an error message . For the safe deposit box system described in claim 3, the unpacking information further includes a remark. When the relationship between the unpacker and the lessee is the other option, if the remark is blank, the unpacking registration device prompts a Error message. According to the safe deposit box system described in claim 1, the unpacking information further includes an unpacker name and an unpacker ID number. For the safe deposit box system described in claim 7, when the unpacker's identity is the non-tenant option, the unpacker's name and the unpacker's ID number are required fields. According to the safe deposit box system described in claim 1, the processor stores the unpacking record report in the storage module.

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