TWI713877B - Regulatory compliance processing device for auditing - Google Patents

Abstract

A regulatory compliance processing device for auditing includes a beneficial owner determining module, an enterprise background auditing module, a negative-news processing module, and a database module. The beneficial owner determining module is used to produce an shareholding structure for finding a suspected beneficial owner via a shareholding ratio. The enterprise background auditing module is used to search and audit related enterprise background data to verify the honesty and authenticity of the enterprise background data to construct an enterprise background resume, and employ an audit criterion set to determine whether there exist an abnormal result. The negative-news processing module is used to setup keywords and negative factors to automatically search negative news from data sources and compare with the enterprise background data for writing them into a business report. The database module comprises a retrieve module and a storage module used to capture a plurality of data, wherein the enterprise background resume and the business report are stored in the storage module as an enterprise account.

Description

Compliance processing device that facilitates auditing

The present invention relates to a compliance processing device. In more detail, it is a compliance data processing device that searches for and inspects the public data of an enterprise and finds the actual beneficiaries to facilitate the audit.

In today's market economy, economic improvement depends on the flexibility of the financial market. The financial market is a market for realizing currency lending and financing, and handling various bills and securities trading activities. In the financial market, a large number of transactions are like a complicated network, which also generates a large number of borrowing and lending relationships.

Banks may be subject to legal sanctions or regulatory penalties for failing to comply with laws, regulations, regulatory requirements, rules, relevant guidelines established by self-regulatory organizations, or codes of conduct that have been applied to the bank’s own business activities. Such guidelines are widely referred to as compliance , And if the compliance information cannot be audited effectively, it will further cause financial crimes such as money laundering operations. In order to avoid compliance risks, banks should extensively collect background information about the company, including the actual controller of the company, its negative news, and other company-related background information.

The borrower (natural or legal person) may confuse the lender through one of the interleaved descendant company information, such as borrowing money from the parent company through a subsidiary or conducting money laundering operations. Among them, terminal beneficiaries of staggered shareholding may apply for borrowing through confusing information. This terminal beneficiary is called a substantial beneficiary. The so-called "substantial beneficiary" refers to a natural person who has ultimate ownership or control over the client and holds legal person shares or more than 25%, or natural persons exercising control over legal persons through other means. Furthermore, in some cases, due to accounting will be processed by multiple foundations to hold multiple legal persons, so that individual holdings are not high, although the shares or capital of legal persons does not exceed 25%, However, those who still have a relatively high shareholding ratio are also the actual beneficiaries of the terminal, which can be called "proposed material beneficiaries".

Generally speaking, the borrower will not actively or correctly disclose that it is the actual beneficiary. In order to find the actual beneficiary, the lender (or bank) needs to spend a lot of time and manpower to find out the equity distribution from a company, and then from The company that owns shares finds the next level of company, and finds out the relationship between different companies and shareholders to calculate the shareholding ratio. The corporate shareholding structure is complicated and cross-shareholding, which makes it difficult for the conventional audit method to be carried out by manpower. Audit.

During the audit process, the auditor needs to understand the negative information of the borrower to assess the risk. However, this type of information is often the information that the lender is less willing to provide. Therefore, the conventional audit method cannot allow the auditor to quickly find the negative information of the lender and Conduct risk analysis.

In addition, there are currently no effective devices available for banks to search, sort, compare, and re-register compliance data, which can be updated at any time, and can be used for auditing.

In view of the above-mentioned conventional problems, the purpose of the present invention is to provide a compliance processing device that is conducive to auditing, which captures, organizes, updates, and conducts audit operations for compliance data such as substantial beneficiaries, corporate background, and negative news. .

To achieve the above objective, the present invention provides an audit-friendly compliance optimization device, which includes a server. The server includes a substantive beneficiary determination module, a corporate background audit module, a negative news processing module, and a data Library module. The substantive beneficiary determination module is used to generate a shareholding structure diagram and compare a proposed substantive beneficiary through the ratio of shareholding. The corporate background audit module, coupled with the substantive beneficiary determination module, is used to search for multiple corporate background data related to the audit, verify the honesty and authenticity of the multiple corporate background data, and create a corporate background resume. Set an audit standard to determine whether the audit is normal. Negative news processing module, coupled with corporate background audit module, used to set multiple keywords and multiple negative factors to automatically search multiple negative news from multiple data sources and compare multiple corporate background data to write a business situation report. Database module, coupled with substantive beneficiary determination module, corporate background audit module, and negative news processing module, including an acquisition module and a storage module Group, in which the capture module is coupled to the storage module to capture multiple data and store them in the storage module, and the enterprise background resume and business report are stored in the storage module in the form of enterprise home ownership.

In order to achieve all the above-mentioned purposes, the database module further includes a cutting and classification module, a standardization module, and a translation module. The cutting and classification module is coupled with the capture module to cut and classify multiple data according to the string to generate multiple field data. The standardization module is coupled with the cutting and classification module to standardize data in multiple fields. The translation module is coupled with the standardized module and the storage module to translate the standardized data in multiple fields, so that the data in multiple fields can be input in multiple languages, and the processed multiple field data is stored in the storage module .

In order to achieve all the above-mentioned purposes, the capture module has an optical character recognition module for recognizing multiple data presented in a graphic format.

In order to achieve all the above objectives, the substantial beneficiary determination module includes a shareholding calculation module and a first comparison module. The shareholding calculation module, based on multiple data or processed multiple field data, calculates the shareholding ratio to generate a shareholding structure diagram. The first comparison module, coupled with the shareholding calculation module, compares the proposed substantial beneficiaries based on the shareholding structure diagram.

In order to achieve all of the above purposes, the affiliated companies in the shareholding structure diagram include at least three levels of parent and grandchildren companies or foreign companies, and the proposed substantial beneficiaries are legal person shares or capital exceeding a preset ratio or shareholding The highest proportion.

In order to achieve all the above-mentioned purposes, an enterprise with at least three tiers of mother-child-grandchildren whose directors and supervisors appear more than two times is a pseudo-related person.

In order to achieve all the above objectives, the corporate background audit module includes an extended search module, a verification module, and an audit module. The extended search module is used to search for the background information of the multiple enterprises related to the audit. The verification module is coupled with the extended search module to verify the honesty and authenticity of the background data of the multiple enterprises and establish the background resume of the enterprise. The audit module is coupled with the authentication module, and judges whether the audit is normal according to the set audit standard.

In order to achieve all of the above-mentioned purposes, many of the company's background information includes special industries stipulated by laws and regulations, and there are publicly available information for searching for identification and auditing.

In order to achieve all the above-mentioned purposes, the negative news processing module includes an intelligent module, a marking module and a negative news module. The smart module is used to provide multiple keywords, multiple negative factors, and set the weights of multiple keywords and multiple negative factors to automatically search and audit multiple negative news of relevant companies from multiple data sources. The marking module is coupled to the smart module, and outputs multiple data according to multiple keywords and multiple negative factors. The negative news module is coupled with the marking module to calculate a negative score based on multiple negative factors and the weight of multiple negative factors and compare multiple corporate background data to write a business report and identify an abnormal list.

In order to achieve all the above objectives, the smart module updates the business report and the abnormal list by the updated multiple negative factors and the weight of the updated multiple negative factors.

Compared with the prior art, the compliance processing device that facilitates auditing according to the present invention is not only more efficient than traditional manual methods to collect or organize compliance data, but also has a corporate background that can quickly find negative news. Integrate into compliance data, perform enterprise return, and perform real-time audits and other functions.

100: server

110: Substantive beneficiary determination module

114: Shareholding calculation module

116: The first comparison module

120: Enterprise background audit module

122: Extended Search Module

124: Verification Module

126: Audit Module

130: Negative News Processing Module

134: marking module

136: Smart Module

138: Negative News Module

200: database module

202: Capture module

204: Cutting classification module

206: Standardized Module

208: Translation Module

210: storage module

600: Proposed substantial beneficiary

800: exception list

900: public information

FIG. 1 is a system block diagram illustrating a compliance processing device facilitating audit according to an embodiment of the present invention.

FIG. 2 is a system block diagram illustrating a database module according to an embodiment of the invention.

FIG. 3 is a system block diagram illustrating the essential beneficiary determination module according to an embodiment of the present invention.

4 is a system block diagram illustrating a corporate background audit module according to an embodiment of the present invention.

FIG. 5 is a system block diagram illustrating a negative news processing module according to an embodiment of the present invention.

FIG. 1 is a system block diagram illustrating a compliance processing device facilitating audit according to an embodiment of the present invention. Referring to FIG. 1, in this embodiment, the compliance processing device includes a server 100. The server 100 includes a substantial beneficiary determination module 110, a corporate background audit module 120, a negative news processing module 130, and a database module 200. The user of the compliance processing device first obtains the corporate catalog that he wants to return to or audit, and the database module 200 can use this to search for public information, including business registration information, such as company status, company industry category , Invoice declaration status, and the shareholding ratio of legal persons or directors and supervisors. Then the substantive beneficiary determination module 110 generates a shareholding structure diagram and compares a proposed substantive beneficiary through the ratio of shareholding. The corporate background audit module 120, coupled with the substantive beneficiary determination module, compares the proposed substantive beneficiary data with other corporate background-related data and aggregates and builds a corporate background resume to set audit standards for auditing.

The negative news processing module 130 is coupled with the corporate background audit module 120 to set multiple keywords and multiple negative factors to automatically search multiple negative news from multiple data sources and compare multiple corporate background data to write one Business report. The negative news processing module 130 searches for all the negative news that is likely to be a substantial beneficiary, calculates weights to obtain scores and classifies them (for example, with red and yellow lights indicating the severity of the plot), and compares the background of the company searched and audited by the company background audit module 120 The information is finally written into the business report. The database module 200 is coupled with the substantial beneficiary determination module 110, the corporate background audit module 120, and the negative news processing module 130. The database module includes an acquisition module and a storage module. The acquisition module is coupled to the storage module and is used to acquire a plurality of data and store them in the storage module. Finally, the corporate background resume and the business report as the compliance data are stored in this storage module in the form of corporate registration.

FIG. 2 is a system block diagram illustrating a database module according to an embodiment of the invention. Referring to FIG. 2, in this embodiment, the database module 200 includes an acquisition module 202 and a storage module 210, wherein the acquisition module 202 is coupled to the storage module 210, and the acquisition module 202 is used for A plurality of data are captured and stored in the storage module 210. The database module 200 can be retrieved by the user after the user enters the corporate organization 202 retrieves the required public data 900 and stores it in the storage module 210 for comparison by the substantial beneficiary determination module 110. Alternatively, the database module 200 can be a separate data-compliant processing device, suitable for externally collecting relevant business, industry, legal litigation and other important information, and can summarize these information and present an accurate, complete, Timely information.

In this embodiment, the database module 200 further includes a cutting and classification module 204, a standardization module 206, and a translation module 208. The cutting and classification module 204 is coupled to the capturing module 202, and cuts and classifies a plurality of data according to the string to generate a plurality of field data. The standardization module 206 is coupled to the cutting classification module 204 for standardizing multiple field data. The translation module 208 is coupled with the standardization module 206 and the storage module 210 to translate the standardized field data, so that the field data can be input in multiple languages, and the processed field data is stored in Storage module 210. For example, the capture module 202 first captures 1.65 million industrial and commercial data, 300,000 international trade bureau data, and 880,000 yellow page data, cuts all the data into categories and fills in different categories for standardization and finally translation. In order to complete the business registration and filing. It should be noted that when the retrieval module 202 retrieves the public data 900, various algorithms identified by the identification codes in the web crawler can be included to retrieve all the corporate information of the public data 900 automatically, quickly and with renewability.

In one embodiment, the capture module 202 can be used to capture corporate data, wherein the capture module 202 has an optical character recognition (OCR) module for recognizing corporate data presented in a graphic format. In other words, no matter from the public data 900, the compiled data provided by the user or the 401 declaration form, the retrieval module 202 can actually read the information of such data.

FIG. 3 is a system block diagram illustrating the essential beneficiary determination module according to an embodiment of the present invention. Referring to FIG. 3, in this embodiment, the substantial beneficiary determination module 110 includes a shareholding calculation module 114 and a first comparison module 116. The public data 900 captured by the capturing module 202 of the database module 200 or the standardized field data of the database module 200, the shareholding calculation module 114, from the shareholding data of corporate directors and supervisors or legal persons According to the calculation of the shareholding ratio to generate a shareholding structure diagram, such as For example, three levels of 32 affiliated companies and overseas companies’ shareholding structure diagrams are generated, and each level has the shareholding ratio of the company’s directors and supervisors. It should be noted that the shareholding structure diagram of affiliated companies and overseas companies here is not limited to three levels. The calculation levels of the company list should be determined by the calculation method set by the shareholding calculation module 114. For example, use You can set the number of levels to be calculated until all the shareholding ratios are directed to natural persons to hold shares, set until the approximate substantial beneficiary 600 is obtained, or directly set the number of levels to be calculated. Therefore, generally speaking, the number of layers searched is at least three, and the last layer is held by natural persons. The first comparison module 116 is coupled with the shareholding calculation module 114, and compares the proposed substantial beneficiary 600 according to the above-mentioned cross-shareholding company list.

In one embodiment, the companies in the shareholding structure diagram include companies with at least three levels of parent and grandchildren, and the proposed substantial beneficiary 600 is the one holding legal person shares or capital exceeding a preset ratio or having the highest shareholding ratio. In this embodiment, the user can set the standard of the pseudo-substantive beneficiary 600 by himself. For example, if the legal person that directly or indirectly holds the highest cumulative equity is the pseudo-substantive beneficiary 600, the pseudo-substantial beneficiary 600 will If it is a natural person and it is assumed that the direct or indirect shareholding exceeds 15%, the proposed substantial beneficiary 600 may be multiple natural persons. However, it is not limited to this, and the user can also set a variety of calculation rules to find the pseudo-substantial beneficiaries 600 benefiting from the terminal. In one embodiment, it may be set as a pseudo-related person whose directors and supervisors appear more than two times in an enterprise with at least three levels of parent and grandchildren in the shareholding structure diagram. The intended substantial beneficiaries and the intended related parties will send the compliance information as the substantial controller of the enterprise to the enterprise background audit module.

4 is a system block diagram illustrating a corporate background audit module according to an embodiment of the present invention. Referring to FIG. 4, in one embodiment, the enterprise background audit module 120 includes an extended search module 122, a verification module 124, and an audit module 126. The extended search module 122 is used to search for multiple corporate background data related to the audit. The corporate background data includes special industries regulated by laws and regulations and has public information for searching to support identity and conduct audits. For example, searching for the background information of the companies that are likely to be substantial beneficiaries and suspected related parties, such as searching whether the above-mentioned related parties or companies have religious backgrounds, yes Whether they are engaged in the professions of physicians, lawyers or accountants, these backgrounds or professions require certain public information (such as identity, professional registration number, etc.) to be provided in laws and regulations, but not limited to this, but also include recent invoice declaration records and court payments Orders, US-related company information, etc. The verification module 124, coupled with the extended search module 122, is used to verify the honesty and authenticity of the background information of multiple companies. For example, the invoice declaration record retrieved from public data is compared with the invoice declaration provided by the company. Finally, collate all the above-mentioned relevant compliance materials into a corporate background resume. The audit module 126, coupled with the verification module 124, judges whether the audit is normal through a set of audit standards, for example, using court payment orders as the audit standards. If the audit is not normal, an abnormal warning will be raised to remind the user. Another example is to check the violation records of US corporate data as the audit standard.

FIG. 5 is a system block diagram illustrating a negative news processing module according to an embodiment of the present invention. Referring to FIG. 5, in this embodiment, the negative news processing module 130 includes an intelligent module 136, a marking module 134, and a negative news module 138. The smart module 136 is used to provide multiple keywords, multiple negative factors, and set weights of multiple keywords and multiple negative factors to automatically search and audit multiple negative news of relevant companies from multiple data sources. Further, the keywords may include the name of the company, the name of the person in charge of the company, or negative keywords such as illegal, fake transaction, over-loan, small third, etc. Negative factors may include court litigation, public bid rejection blacklist, major news on the listing counter, negative news, owed employee salaries, sanctions lists, etc. The smart module 136 can set the weights for the multiple keywords and multiple negative factors. Data sources can include industrial and commercial registration data, public information observatories (such as important information), the Judicial Yuan (such as judicial updates, announcements of family affairs), the Ministry of Justice (such as the wanted criminal system inquiry), etc. In another embodiment, the smart module 136 then automatically compares whether the background information of multiple companies is consistent with multiple negative news. For example, the professional background of the related person in the background information of the company is used to confirm the negative related to the occupation. The news is correct. Or, if there is a name change record in the business registration data in the background information of the enterprise, the smart module 136 determines that the comparison is incorrect and searches for negative news about the name of the enterprise after the change.

The marking module 134 is coupled to the smart module 136, and outputs multiple data according to multiple keywords and multiple negative factors. It should be noted that the multiple data can be searched directly through the standardized form data of the database module 200 or through the retrieval module 202 of the database module 200. For example, the data of the database module 200 The retrieval module 202 will use multiple keywords and multiple negative factors to retrieve any data containing keywords and negative factors in different newspapers, news and other media, and then use the smart module 136 to set the weight of the keywords to mark, for example Set the keyword-company name and the person in charge of the company as the first weight corresponding to the white background mark, the keyword-money as the second weight and the red background mark, and the keyword-xiaosan as the third weight corresponding to the yellow background mark . The negative news module 138 is coupled with the marking module 134, and calculates a negative score based on multiple negative factors and weights of the multiple negative factors to write into the business report and identify an abnormal list 800. The negative factor and the weight of the negative factor are the risk and risk level. For example, a negative factor is set as the number of court payment orders exceeds 10, the weight is 60 points, and the risk level is medium (yellow light). In one embodiment, all the set negative factors and their weights can be added up as a negative score, and the abnormal list 800 can be identified based on the total score of the negative score. On the other hand, all the above information can be set by the smart module 136. Write the business report.

In an embodiment, the smart module 136 can be trained or trained to provide multiple negative factors. For example, auditors convert the type, number, risk, and importance of negative factors in news into corresponding scores to complete the setting of negative factors and weights. With the assistance of the smart module 136, normalized data can be completed and stored in the database module 200 to facilitate rapid update of the business report and abnormal list. In one embodiment, the smart module 136 updates the business report and the abnormal list based on the updated multiple negative factors and the weight of the updated multiple negative factors. For example, it is set to update the business report and exception list daily or weekly and store them in the database module 200. In another embodiment, through the smart module 136, the negative news module 138 can automatically concatenate and compare the corporate background data searched by the corporate background audit module to filter, integrate, and update negative news. New, and finally write the business report in the form of enterprise return to reduce the risk of landmine customers on the bank side.

In one embodiment, the enterprise background resume and business situation report are stored in the storage module in the way of enterprise return, for example, the unified compilation is used as the return method, and each enterprise is the subject to update the compliance information. Furthermore, the compliance-related data or audit records of each company can be updated at any time.

The purpose of the above is to explain, and various specific details are to provide a thorough understanding of the present invention. Those who are familiar with the field of the invention should be able to implement the invention without some specific details. In other embodiments, the conventional structure and device are not shown in the block diagram. Intermediate structures may be included between schematic elements. The described elements may include additional inputs and outputs, which are not depicted in detail in the drawings.

100‧‧‧Server

110‧‧‧Material Beneficiary Judgment Module

120‧‧‧Enterprise background audit module

130‧‧‧Negative News Processing Module

200‧‧‧Database Module

Claims (9)

A compliance processing device that facilitates auditing, including a server, the server includes: a substantial beneficiary determination module, used to generate a shareholding structure diagram and compare a pseudo-substantial beneficiary through the ratio of shareholding; The corporate background audit module, coupled with the substantive beneficiary determination module, is used to search for multiple corporate background data related to the audit, verify the honesty and authenticity of the multiple corporate background data, and create a corporate background resume through An audit standard is set to determine whether the audit is normal; a negative news processing module, coupled with the corporate background audit module, is used to set multiple keywords and multiple negative factors to automatically search multiple negative news from multiple data sources And compare the background data of the multiple companies to write a business report; and a database module, coupled with the substantial beneficiary determination module, the corporate background audit module and the negative news processing module, including a capture An acquisition module and a storage module, wherein the acquisition module is coupled to the storage module for acquiring and storing a plurality of data in the storage module, and the business background resume table and the business report are based on the enterprise The account return method is stored in the storage module; wherein, the substantial beneficiary determination module includes: a shareholding calculation module, based on the multiple data or the processed multiple field data, to generate the shareholding ratio The shareholding structure diagram; and a first comparison module, coupled with the shareholding calculation module, to compare the proposed substantial beneficiary based on the shareholding structure diagram. As described in the first item of the scope of patent application, the compliance processing device that facilitates auditing, wherein the database module further includes: a cutting and classification module, coupled with the capturing module, and cutting and classifying the multiple data according to the string , To generate multiple field data; A standardization module coupled with the cutting and classification module to standardize the multiple field data; and a translation module coupled with the standardization module and the storage module to perform standardized processing on the multiple field data Translate, enable the multiple field data to have multiple language input, and store the processed multiple field data in the storage module. For example, the compliance processing device described in item 1 or item 2 of the scope of patent application, wherein the capture module has an optical character recognition module for identifying the plurality of data presented in a graphic format. As described in item 1 of the scope of patent application, the compliance processing device that is conducive to auditing, wherein the company related to the shareholding structure diagram includes at least three-tier parent-child-grandchild companies or overseas companies, and the intended substantial beneficiary is the holding The shares or capital of a legal person exceeds a preset ratio or is the one with the highest shareholding ratio. For the compliance processing device described in item 4 of the scope of patent application, which is conducive to auditing, an enterprise with at least three layers of mothers and children whose directors and supervisors appear twice or more is a pseudo-related person. As described in the first item of the scope of patent application, the audit-friendly compliance processing device, wherein the corporate background audit module includes: an extended search module to search for audit-related background data of the multiple companies; a verification module , Coupled with the extended search module, used to verify the honesty and authenticity of the background data of the multiple enterprises and create the enterprise background resume; and an audit module, coupled with the verification module, through the set of audit standards Determine whether the audit is normal. For example, the compliance processing device described in item 6 of the scope of patent application, in which the background information of the multiple enterprises includes special industries stipulated by laws and regulations, and there are public information for searching for identification and auditing. For example, the audit-friendly compliance processing device described in item 6 of the scope of patent application, wherein the negative news processing module includes: a smart module for providing the multiple keywords, the multiple negative factors and setting the multiple The weights of a keyword and the multiple negative factors are automatically searched from the multiple data sources to audit the multiple negative news of related companies; a marking module is coupled to the smart module, and the multiple data is based on the multiple A keyword and the plurality of negative factor mark outputs; and a negative news module, coupled with the marking module, calculate a negative score according to the plurality of negative factors and the weight of the plurality of negative factors, and compare the Enterprise background information is written into the business report and an exception list is identified. As described in item 8 of the scope of patent application, the compliance processing device that facilitates audits, wherein the smart module updates the business report and the abnormality by the updated negative factors and the updated weight of the negative factors List.

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