TWI767765B - Suspicious Cash Flow Detection System - Google Patents

Abstract

A suspicious cash flow detection system includes a communication module, a data integration module, a cash flow analysis module, a visual presentation module, and a display module. The cash flow analysis module is electrically connected to the data integration module and the visual presentation module, and firstly executes an inflow analysis procedure and a flow outflow analysis procedure for a customer to determine a plurality of first-tier counterparties, and then analyzes each A first-tier counterparty executes the inflow analysis program and the outflow analysis program to determine a plurality of second-tier counterparties, and then determine at least one return cash flow path accordingly. The visual presentation module generates a return gold flow diagram corresponding to the customer and includes the at least one return gold flow path, and displays the return gold flow diagram on the display module.

Description

Suspicious Cash Flow Detection System

The present invention relates to a detection system, in particular to a suspicious cash flow detection system for evaluating money laundering risks.

A money laundering transaction is a process in which money obtained through criminal or illegal means is manipulated through legal financial procedures to look like money obtained by legal means. With the increasingly stringent financial regulations in various countries, in addition to implementing various customer identity checks (Know your customer, KYC), whether banks can also have an effective suspicious cash flow detection system has become a problem to be solved.

Therefore, the purpose of the present invention is to provide a suspicious cash flow detection system for assessing money laundering risk.

Therefore, the present invention provides a suspicious cash flow detection system, which is suitable for a transaction data source server, and includes a communication module, a data integration module, a cash flow analysis module, a visual presentation module, and a display module.

The communication module is used to establish a connection with the transaction data source server. The data integration module is electrically connected to the communication module, and is used for obtaining a transaction data corresponding to an execution object from the transaction data source server through the communication module.

The gold flow analysis module is electrically connected to the data integration module, and is used for executing an inflow analysis procedure and a flow outflow analysis procedure. The inflow analysis program analyzes a plurality of inflow transaction amounts from a plurality of counterparties to the execution object respectively within a specific interval according to the transaction data of the execution object, and determines the largest of the inflow transaction amounts The N1 counterparties corresponding to the top N1 of . The outflow analysis program analyzes a plurality of outflow transaction amounts from the execution object to the counterparties respectively within the specific interval according to the transaction data of the execution object, and determines the largest of the outflow transaction amounts. For the N2 counterparties corresponding to the first N2 of , N1 and N2 are both plural.

The visual presentation module is electrically connected to the cash flow analysis module, so as to generate a return cash flow diagram corresponding to a customer according to the analysis result of the cash flow analysis module. The display module is electrically connected to the visual presentation module, and is used for displaying the flow diagram of the return gold flow.

Wherein, the cash flow analysis module first takes the customer as the execution object, and selects N1 and N2 to be equal to A1 and A2 respectively, so as to execute the inflow analysis program and the outflow analysis program respectively, and then calculate the obtained A1 counterparty And the A2 counterparties are defined as A3 first-tier counterparties, and A3 is less than or equal to A1+A2.

The cash flow analysis module then takes each of the A1 counterparties and each of the A2 counterparties as the execution object in turn, and selects N1 and N2 to be equal to B1 and B2, respectively, to execute the inflow analysis program and the inflow analysis program respectively. The outflow analysis program further defines the obtained B1 counterparties and B2 counterparties as B3 second-tier counterparties, where B3 is less than or equal to B1+B2.

The cash flow analysis module then determines at least one cash flow based on the inflow transaction amount and the outflow transaction amount between the customer, the A3 first-tier counterparties, and the B3 second-tier counterparties flow path. Each of the return cash flow paths includes a starting point and at least one intermediate point, and the starting point and each of the intermediate points are at least two of the customer, the A3 first-tier counterparties, and the B3 second-tier counterparties. and the outflow transaction amount that flows from the starting point to one of the intermediate points is multiplied by a return ratio, and it will flow back to the starting point, and the return flow ratio is greater than 0 and less than or equal to 100%.

The return flow diagram generated by the visual presentation module includes the at least one return flow path, and a first pattern represents the customer, a second pattern represents each of the second-tier counterparties, and a The third pattern represents each of the third-tier counterparties, and each arrow represents the flow of transactions.

In some aspects of implementation, wherein the specified interval is one year.

In other embodiments, A1 , A2 , B1 , and B2 are all equal to 10.

In other embodiments, the transaction data includes cash transactions, transfer transactions, and remittance transactions.

In some other implementation aspects, the cash flow analysis module further determines that the return cash flow ratio of one of the return cash flow paths corresponding to the customer is greater than a specific transaction cash flow return ratio. Paths are marked as high-risk trading practices.

In some implementation aspects, the cash flow repatriation ratio of the specific transaction is 30%.

In other embodiments, the first pattern, the second pattern, and the third pattern of the reflow gold flow diagram generated by the visual presentation module are all circular, and the first pattern is larger than the second pattern and is larger than the third pattern.

In some embodiments, the visual presentation module uses different colors to distinguish the first pattern, the second pattern, and the third pattern, which belong to a natural person or a legal person, respectively.

The effect of the present invention lies in: firstly execute the inflow analysis program and the outflow analysis program for the client through the cash flow analysis module to determine the first-tier counterparties, and then analyze each of the first-tier counterparties Execute the inflow analysis program and the outflow analysis program to determine the second-tier counterparties, and then determine the at least one return cash flow path accordingly. The visual presentation module generates the return gold flow diagram corresponding to the customer and includes the at least one return gold flow path, and displays the return gold flow diagram on the display module, so as to realize a visual presentation analysis As a result, the flow of money between customers and their counterparties can be seen more quickly and clearly.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are designated by the same reference numerals.

Referring to FIG. 1 and FIG. 2, an embodiment of the suspicious cash flow detection system 100 of the present invention is suitable for a transaction data source server 9, and includes a communication module 1, a data integration module 2, and a cash flow An analysis module 3 , a visual presentation module 4 , and a display module 5 . The transaction data source server 9 is, for example, a bank server, a credit card issuing bank server, a mobile payment platform server, a third-party payment platform server, an electronic payment platform server, and an e-commerce server One of the platform servers or any combination thereof can provide a transaction data corresponding to an execution object, and the transaction data includes cash transaction, transfer transaction, remittance transaction, and other transaction information.

The communication module 1 is used to establish a connection with the transaction data source server 9, and is, for example, a network device, such as an Ethernet network card, a wireless network chip, and the like. The data integration module 2 is electrically connected to the communication module 1 and used for obtaining the transaction data corresponding to the execution object from the transaction data source server 9 via the communication module 1 . More specifically, the data integration module 2 collects data on the client data, account data, and the transaction data of the execution object in the transaction data source server 9 (such as multiple systems within a bank), and Further data analysis of format conversion (such as transaction date) is performed to integrate the data into the transaction data corresponding to the object to be executed.

The gold flow analysis module 3 is electrically connected to the data integration module 2, and is used for executing an inflow analysis procedure and a flow outflow analysis procedure. The inflow analysis program analyzes a plurality of inflow transaction amounts from a plurality of counterparties to the execution object respectively within a specific interval according to the transaction data of the execution object, and determines the largest of the inflow transaction amounts The N1 counterparties corresponding to the top N1 of . In this embodiment, the specific interval is one year, but in other embodiments, it may be other numerical values. The outflow analysis program analyzes a plurality of outflow transaction amounts from the execution object to the counterparties respectively within the specific interval according to the transaction data of the execution object, and determines the largest of the outflow transaction amounts. For the N2 counterparties corresponding to the first N2 of , N1 and N2 are both plural.

More specifically, the cash flow analysis module 3 first takes the customer as the execution object, and selects N1 and N2 to be equal to A1 and A2 respectively, so as to execute the inflow analysis program and the outflow analysis program respectively, and then calculate the obtained The A1 counterparties and the A2 counterparties are defined as A3 first-tier counterparties, and A3 is less than or equal to A1+A2. In this embodiment, both A1 and A2 are equal to 10, for example, but not limited thereto.

The cash flow analysis module 3 then takes each of the A1 counterparties and each of the A2 counterparties as the execution object in turn, and selects N1 and N2 to be equal to B1 and B2, respectively, to execute the inflow analysis program and The outflow analysis program further defines the obtained B1 counterparties and B2 counterparties as B3 second-tier counterparties, where B3 is less than or equal to B1+B2. In this embodiment, both B1 and B2 are equal to 10, for example, but not limited thereto.

The cash flow analysis module 3 then determines at least one return flow according to the inflow transaction amount and the outflow transaction amount between the customer, the A3 first-tier counterparties, and the B3 second-tier counterparties gold flow path. Each of the return cash flow paths includes a starting point and at least one intermediate point, and the starting point and each of the intermediate points are at least two of the customer, the A3 first-tier counterparties, and the B3 second-tier counterparties. and the outflow transaction amount that flows from the starting point to one of the intermediate points is multiplied by a return ratio, and it will flow back to the starting point, and the return flow ratio is greater than 0 and less than or equal to 100%. In addition, the cash flow analysis module 3 also marks the return cash flow path as a high-risk transaction behavior when it is determined that the return flow ratio of one of the return cash flow paths corresponding to the client is greater than a specific transaction cash flow return ratio . In this embodiment, the cash flow return ratio of the specific transaction is equal to 30%, but not limited thereto.

The visual presentation module 4 is electrically connected to the cash flow analysis module 3, so as to generate a return flow diagram corresponding to the customer according to the analysis result of the cash flow analysis module 3, and display the return flow diagram in the display module 5 . The return flow diagram includes the at least one return flow path, with a first pattern representing the customer, a second pattern representing each of the second-tier counterparties, and a third pattern representing each of the first Three layers of counterparties, and each arrow represents the flow of transactions.

Referring again to FIG. 2 , FIG. 2 illustrates an aspect of the reflow gold flow diagram. Wherein, the first pattern X1, each of the second patterns Y1-Y7, and each of the third patterns Z1-Z2 are circular, and the first pattern X1 is larger than each of the second patterns Y1-Y7 each of the third patterns Z1-Z2. One of the return cash flow paths is the customer (namely the issuer, the first pattern X1), the arrow P1, the first-tier counterparty (the second pattern Y1), the arrow P2, the first pattern Layer counterparty (the second pattern Y2), the arrow P3, and the customer (the first pattern X1). For example, the outflow transaction amount represented by the arrow P1 is 1 million yuan, and the outflow transaction amount represented by the arrow P3 is 400,000 yuan, because 400,000 is greater than 30% of 1 million, then the return cash flow Paths are marked (eg, in red) as high-risk trades.

The other path of the return cash flow is the customer (namely the issuer, the first pattern X1), the arrow P4, the first-tier counterparty (the second pattern Y3), the arrow P6, the first pattern The second-tier counterparty (the third pattern Z1), the arrow P7, the first-tier counterparty (the second pattern Y4), the arrow P8, the first-tier counterparty (the second pattern Y5), The arrow P10, and the customer (the first pattern X1). Another one of the return cash flow paths is the first-tier counterparty (the second pattern Y6), the arrow P12, the first-tier counterparty (the second pattern Y7), the arrow P13, the second Layer counterparty (the third pattern Z2), the arrow P14, and the first layer counterparty (the second pattern Y6). In other words, the flow diagram of the return cash flow can clearly present the cash flow between the customer, the first-tier counterparties, and the second-tier counterparties.

In addition, the visual presentation module 4 can also distinguish the first pattern, the second pattern, and the third pattern belonging to a natural person or a legal person by different colors, so as to present the results more clearly. Furthermore, the visual presentation module 4 can also generate an inflow flow diagram (or an inflow flow diagram corresponding to the customer) according to the analysis results of the inflow analysis programs (or the outflow analysis programs) of the cash flow analysis module 3 . Outflow gold flow chart) and display it. And the flow direction diagram of the return gold is equal to the co-presentation of the flow direction diagram of the inflow gold and the flow direction diagram of the outflow gold.

In addition, it should be specially added that: the display module 5 is, for example, a display. The data integration module 2 , the cash flow analysis module 3 , and the visual presentation module 4 can be respectively integrated into an application-specific integrated circuit (ASIC), or integrated into another application-specific integrated circuit, or by other operations. It is implemented in the form of a chip (such as a central processing unit). In addition, in other embodiments, the cash flow analysis module 3 makes multiple return cash flow flow diagrams for the same customer at different times (eg, different years), when multiple return cash flow paths are determined and are processed by artificial When it is determined that it is a normal transaction rather than money laundering after inspection, the cash flow analysis module 3 can adjust the cash flow return ratio for the specific transaction of the customer to a higher level, so that the handling personnel can identify it more quickly, and not It takes too much time to investigate, thereby improving the efficiency of the review.

To sum up, the suspicious cash flow detection system 100 can integrate the customer's transaction data, so as to clearly analyze the customer's cash flow direction, and analyze its counterparty according to the cash flow outflow and inflow status, and according to the cash flow return status Find out the transaction trajectory of the cash flow backflow and present it with a visual correlation diagram, so that the cash flow direction of the customer and its counterparty can be found more quickly and clearly, so the purpose of the present invention can indeed be achieved.

However, the above are only examples of the present invention, and should not limit the scope of implementation of the present invention. Any simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the contents of the patent specification are still included in the scope of the present invention. within the scope of the invention patent.

100: Suspicious cash flow detection system 1: Communication module 2: Data integration module 3: gold flow analysis module 4: Visual presentation module 5: Display module 9: Transaction data source server X1: the first pattern Y1~Y7: The second pattern Z1~Z2: The third pattern P1~P14: Arrows

Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, wherein: FIG. 1 is a block diagram illustrating an embodiment of the suspicious cash flow detection system of the present invention; and FIG. 2 is a schematic diagram illustrating a flow diagram of a return gold flow of this embodiment.

100: Suspicious cash flow detection system

1: Communication module

2: Data integration module

3: gold flow analysis module

4: Visual presentation module

5: Display module

9: Transaction data source server

Claims (8)

A suspicious cash flow detection system is applicable to a transaction data source server, and includes: a communication module for establishing a connection with the transaction data source server; a data integration module, electrically connected to the communication module, and used for obtaining a transaction data corresponding to an execution object from the transaction data source server through the communication module; a gold flow analysis module, electrically connected to the data integration module, and used for executing an inflow analysis program and an outflow analysis program, the inflow analysis program is based on the transaction data of the execution object, and analyzes the Multiple inflow transaction amounts from multiple counterparties to the execution object, and determine the N1 counterparties corresponding to the top N1 largest inflow transaction amounts, the outflow analysis program is based on the execution object the transaction data, analyze the multiple outflow transaction amounts from the execution object to the counterparties within the specific interval, and determine the N2 corresponding to the largest top N2 of the outflow transaction amounts. A counterparty, both N1 and N2 are plural; a visual presentation module electrically connected to the cash flow analysis module to generate a return cash flow flow diagram corresponding to a customer according to the analysis result of the cash flow analysis module; and a display module, electrically connected to the visual presentation module, and used to display the flow diagram of the return gold flow; Wherein, the cash flow analysis module first takes the customer as the execution object, and selects N1 and N2 to be equal to A1 and A2 respectively, so as to execute the inflow analysis program and the outflow analysis program respectively, and then calculate the obtained A1 counterparty And the A2 counterparties are defined as A3 first-tier counterparties, A3 is less than or equal to A1+A2, The cash flow analysis module then takes each of the A1 counterparties and each of the A2 counterparties as the execution object in turn, and selects N1 and N2 to be equal to B1 and B2, respectively, to execute the inflow analysis program and the inflow analysis program, respectively. The outflow analysis program further defines the obtained B1 counterparties and B2 counterparties as B3 second-tier counterparties, where B3 is less than or equal to B1+B2, The cash flow analysis module then determines at least one cash flow based on the inflow transaction amount and the outflow transaction amount between the customer, the A3 first-tier counterparties, and the B3 second-tier counterparties A flow path, each of the return cash flow paths includes a starting point and at least one intermediate point, and the starting point and each of the intermediate points are the relationship between the customer, the A3 first-tier counterparties, and the B3 second-tier counterparties At least two of them, and the outgoing transaction amount flowing from the starting point to one of the intermediate points is multiplied by a return ratio, which will flow back to the starting point, and the return flow ratio is greater than 0 and less than or equal to 100%, The return flow diagram generated by the visual presentation module includes the at least one return flow path, and a first pattern represents the customer, a second pattern represents each of the second-tier counterparties, and a The third pattern represents each of the third-tier counterparties, and each arrow represents the flow of transactions. The suspicious cash flow detection system according to claim 1, wherein the specific interval is one year. The suspicious cash flow detection system of claim 1, wherein A1, A2, B1, and B2 are all equal to 10. The suspicious cash flow detection system according to claim 1, wherein the transaction data includes cash transactions, transfer transactions, and remittance transactions. The suspicious cash flow detection system according to claim 1, wherein the cash flow analysis module is further judging that the return ratio of one of the return cash flow paths corresponding to the customer is greater than a specific transaction cash flow return ratio , and mark the return flow path as a high-risk transaction behavior. The suspicious cash flow detection system according to claim 5, wherein the cash flow return ratio of the specific transaction is 30%. The suspicious gold flow detection system according to claim 1, wherein the first pattern, the second pattern, and the third pattern of the return gold flow diagram generated by the visual presentation module are all circles , and the first pattern is larger than the second pattern is larger than the third pattern. The suspicious cash flow detection system according to claim 7, wherein the visual presentation module uses different colors to distinguish the first pattern, the second pattern, and the third pattern belonging to a natural person or a legal person respectively .

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