TWM607235U - Incomplete due diligence and high-risk customer transaction control system - Google Patents

Abstract

The present invention relates to a transaction management and control system for uncompleted due diligence and high-risk customers. It is connected to a counter control host via a network, and the counter control host is connected to more than one computer via the network. The transaction management and control system updates the corresponding first uncompleted due diligence review and high-risk account information, note one completed due diligence note information and saves it according to the multiple account update information sent by the computer through the counter control host; the transaction control The system will note the first incomplete due diligence review and high-risk account information that has not been updated, and note the first incomplete due diligence note information to restrict the corresponding transaction authority. By controlling the customer's data, and temporarily restricting the transaction authority for customers who have not updated the data, the customer is prompted to update the data to enhance the security of the customer's transaction.

Description

Unfinished due diligence review and transaction control system for high-risk customers

This model relates to a transaction control system, especially a transaction control system for uncompleted due diligence and high-risk customers.

With the increasing changes in social patterns, economic activities have been promoted to flourish, but various business behaviors of economic activities have also become more complicated and more difficult to manage. To this end, in order to effectively control business activities and avoid financial crimes such as money laundering, the government has implemented measures to prevent money laundering by financial institutions, and requires relevant banks to actively cooperate to regularly confirm basic information or account transactions with customers. Transaction information is used to protect the rights and interests of customers and the safety of property, and to prevent the account from being used as a tool of financial crime without knowing it.

For the bankers, it is necessary to check all the relevant retained information of the customers to check and update. Then, the banker will conduct risk assessments based on basic information such as the cash flow, residence, legal person status, company business, etc. of the customers or transaction information of the accounts, and will regularly notify and update the relevant retained information for customers whose risk assessment is high. For example, update identity information, company information, etc. When the customer does not update the information, the customer's information will be marked as having not completed the customer due diligence; on the contrary, if the customer completes the information update, the customer's information will be marked as having completed the customer due diligence. However, the execution of the above-mentioned business tasks can only notify customers to update information, but cannot effectively control the status of customers updating information, causing customers to have security concerns when using related transaction services.

In view of the above-mentioned problems, at least one purpose of the present invention is to provide a transaction control system for uncompleted due diligence and high-risk customers. The data update is completed by remarking the customer data that has updated the basic data or the transaction information of the account, and then the incomplete data update is noted for the customer data that has not updated the basic data or the transaction information of the account. When the customer uses the relevant transaction, it is updated according to the incomplete information in the note to limit the customer's authority of the relevant transaction. By temporarily restricting the customer's authority to use related transactions, it effectively reminds customers to update relevant retained information, avoiding losses for customers, and achieving the purpose of improving the security of customers' transactions.

A technical method adopted to achieve the above-mentioned purpose is to make the transaction control system of the aforementioned uncompleted due diligence and high-risk customers connect to a counter control host via a network, and the counter control host is connected to more than one via the network Computer, the transaction control system for uncompleted due diligence and high-risk clients includes: a central accounting host, which is connected to the counter control host via the network, and stores multiple first uncompleted due diligence and high-risk account information , The central accounting host receives multiple account update information sent by the computer via the counter control host, and then updates the corresponding first uncompleted due diligence and high-risk account information and corresponding note 1 according to the account update information. Completed due diligence remarks information, and respectively saved as a corresponding piece of completed due diligence review and high-risk account information; among them, the central accounting host has not updated the first incomplete due diligence review and high-risk account information, respectively, with a note Incomplete due diligence note information, and save it as a corresponding second incomplete due diligence review and high-risk account information, and the corresponding second incomplete due diligence review and high-risk account information is not updated after more than one data update control time , The central accounting host restricts the corresponding transaction authority.

Based on the above content, by storing the updated first due diligence review and high-risk account information, the completed due diligence note information, and the unupdated first due diligence review and high-risk account information, One uncompleted due diligence note information, which is stored as a corresponding second uncompleted due diligence review and high-risk account information, to effectively control the status of customers updating data; in addition, through temporary restrictions on customers who have not updated data. The transaction authority can also effectively remind customers to update their account information and their willingness to update. In this way, the purpose of improving the use security of customers' transactions is achieved.

Regarding an embodiment of the present invention, please refer to Figures 1 and 2, which disclose a transaction management and control system 10 for uncompleted due diligence and high-risk customers, and is applied to a banker. The transaction management and control system 10 is connected to a counter control host 20 via a network, and the counter control host 20 is connected to more than one computer 21 via the network.

In one embodiment, the transaction management and control system 10 is further connected to a plurality of ATMs (Automated Teller Machine, automatic teller machine or automatic teller machine) 31 and an online banking control host 40 via the network. The online banking control host 40 is connected to a plurality of electronic devices 41 via the network.

In one embodiment, the transaction management and control system 10 includes a central accounting host 11. The central accounting host 11 stores multiple first incomplete due diligence and high-risk account information. The central accounting host 11 can be a server device.

In one embodiment, the counter control host 20 may be a server device. The computers 21 exchange information with the central accounting host 11 through the counter control host 20. The computer 21 can be a desktop computer or a notebook computer, and is used by bankers' counter personnel.

In one embodiment, the ATMs 31 exchange information with the central accounting host 11 to perform related transactions such as withdrawals and transfers.

In one embodiment, the online banking control host 40 may be a server device. The electronic devices 41 exchange information with the central accounting host 11 through the online banking control host 40 to perform related online transfer, online remittance and other transactions. The electronic devices 41 can be a desktop computer, a notebook computer, a tablet computer, a mobile device, etc., and are used by customers who interact with bankers.

In use, the banker will notify the relevant customers to update the customer information to ensure the security of the customer's basic information or account transaction information. Some customers will actively cooperate and go to the counter of the banker to update the customer information at the counter. The counter personnel of the banker enters the information used by the customer for updating into the computer 21. The computers 21 respectively send a piece of account update information to the counter control host 20 via the network. The counter control host 20 transmits the account update information to the central accounting host 11. The central accounting host 11 separately updates the corresponding first incomplete due diligence review and high-risk account information in the first incomplete due diligence review and high-risk account information according to the account update information, and the updated information on these The first incomplete due diligence review and high-risk account information are respectively noted with the first completed due diligence note information, and then the first incomplete due diligence review and high-risk account information that have been updated and marked with the completed due diligence note information, respectively Save as a corresponding piece of information about completed due diligence and high-risk accounts. This can effectively control the customers whose information has been updated.

Among them, each piece of first incomplete due diligence review and high-risk account information includes a customer identity information and an account information respectively.

Among them, each piece of completed due diligence review and high-risk account information includes a customer identification information, an account information, and the completed due diligence note information. The completed due diligence remark information includes a completed renewal remark time information.

When the banker informs the relevant customer that the customer information needs to be updated, the central accounting host 11 will mark the first uncompleted due diligence review and high-risk account information that has not been updated after one notification period has passed. Note the information and save it as a corresponding piece of second due diligence review and high-risk account information, and the corresponding second due diligence review and high-risk account information is not updated after more than one data update control time. The service host 11 restricts the corresponding transaction authority. This will effectively control the customers who have not updated their information.

Among them, each piece of the second incomplete due diligence review and high-risk account information includes the customer's identity information, the account information, and the incomplete due diligence note information. The incomplete due diligence note information includes a note time information.

In one embodiment, the banker can give the customer a tolerance period for updating relevant information (that is, the time information for data update control, such as but not (Limited to 1 month), so that customers can go to the banker’s counter for information update. However, if the customer is overdue and still has not updated the information, when the customer conducts related transactions, the central accounting host 11 will compare the customer’s data with the corresponding second due diligence review and high-risk account information. For the corresponding second incomplete due diligence review and high-risk account information, the central accounting host 11 will use the note time information in the second incomplete due diligence review and high-risk account information to conduct transactions with the customer. Transaction time information is processed. If the time interval between the note time information and the current transaction time information exceeds the data update control time information, in order to protect the customer's account security, the banker will make the central accounting host 11 temporarily restrict the customer's related transaction functions.

In one embodiment, similarly, if the central accounting host 11 receives that the corresponding customer uses one of the ATMs 31 to conduct transactions or uses one of the electronic devices 41 to use online banking, and confirms the current transaction time information of the transaction and the The time interval of the note time information exceeds the data update control time information, and the related transaction behavior is restricted.

Specifically, when the central accounting host 11 receives an ATM transaction instruction sent by one of the ATMs 31, it will use the customer identification information in the ATM transaction instruction and the completed due diligence review and high-risk account information To compare the customer identity information in the second incomplete due diligence review and high-risk account information. When the customer identification information of the ATM transaction order corresponds to one of the second customer identification information that has not completed due diligence and high-risk account information, the ATM transaction order is rejected, and a first transaction failure notification information is returned to the corresponding ATM 31 shows.

Among them, the central accounting host 11 compares the current transaction time information of the received ATM transaction instruction with the corresponding second uncompleted due diligence review and the note time information of the high-risk account information whether the time interval exceeds the data update Control time information; if the central accounting host 11 confirms that the time interval exceeds the data to update the control time information, the ATM transaction instruction is rejected. If the central accounting host 11 confirms that the time interval does not exceed the data update control time information, it will temporarily receive the ATM transaction instruction, but will return a notification data update information to the corresponding ATM 31 for display.

In another embodiment, when the central accounting host 11 receives an online banking transaction instruction sent by the electronic device 41 via the online banking control host 40, it will use a customer identification information in the online banking transaction instruction to Compare with the customer identification information in the completed due diligence review and high-risk account information, and compare the customer identification information in the second incomplete due diligence review and high-risk account information. When the customer identification information of the online banking transaction order corresponds to one of the second customer identification information that has not completed due diligence and high-risk account information, the online banking transaction order is rejected and a second transaction failure notification information is returned to The online banking control host 40 is transmitted to the electronic device 41 for display via the online banking control host 40.

Wherein, the central accounting host 11 compares the current transaction time information received from the online banking transaction instruction with the corresponding second uncompleted due diligence review and the note time information of the high-risk account information whether the time interval exceeds the Data update control time information. If the central accounting host 11 confirms that the time interval exceeds the data update control time information, the online banking transaction instruction is rejected. If the central accounting host 11 confirms that the time interval does not exceed the data update control time information, it will temporarily receive the online banking transaction instruction, but will return a notification data update information to the electronic device 41 for display.

Since customers who have not updated their information are temporarily restricted from related transactions or notified that they should update their information, this can effectively prompt customers to go to the bank's counter to update their information as soon as possible. When the central accounting host 11 receives an account update information corresponding to the second incomplete due diligence review and high-risk account information sent by the computers 21 via the counter control host 20, it updates according to the account update information The second incomplete due diligence review and high-risk account information, as well as the incomplete due diligence note information corresponding to the corresponding note, are adjusted to the corresponding one completed due diligence note information, and they are respectively saved as the corresponding one completed due diligence review Cum high-risk account information. This will restore the relevant transaction authority of the corresponding customer.

In addition, when the banker needs to inquire about the trajectory history of relevant customer update data, it can send a query command to the counter control host 20 through any computer 21, and the counter control host 20 transmits the received query command to the center Accounting host 11. The central accounting host 11 receives a query command sent by any computer 21 via the counter control host 20, and then according to the customer identity information of the query command, and the first incomplete due diligence review and high-risk account information Compare with the customer identification information of those who have completed due diligence review and high-risk account information, and compare with the customer identification information of the second incomplete due diligence review and high-risk account information Make comparisons to obtain the first incomplete due diligence review and high-risk account information, completed due diligence review and high-risk account information, or the second incomplete due diligence review and high-risk account information that matches the customer identity information of the query command , To generate a corresponding information adjustment track information, and send it to the corresponding computer 21 via the counter control host 20.

Among them, for example, a user name, a user ID number, or a user account number in the query command is compared with the client ID information that has completed due diligence and high-risk account information, and compared with the The second unfinished due diligence review and high-risk account information are compared with the customer ID information to obtain the first match with the user name, user ID number, or user account number in the customer ID information of the query command Incomplete due diligence review and high-risk account information, completed due diligence review and high-risk account information, or second incomplete due diligence review and high-risk account information.

Based on the above content, by storing the updated first due diligence review and high-risk account information, the completed due diligence note information, and the unupdated first due diligence review and high-risk account information, One uncompleted due diligence note information, which is stored as a corresponding second uncompleted due diligence review and high-risk account information, to effectively control the status of customers updating data; in addition, through temporary restrictions on customers who have not updated data. The transaction authority can also effectively remind customers to update their account information and their willingness to update. In this way, the purpose of improving the use security of customers' transactions is achieved.

10: Transaction control system 11: Central Accounting Host 20: Proximity control host 21: Computer 31: ATM 40: Online banking control host 41: electronic device

Fig. 1 is a block diagram of a transaction control system for unfinished due diligence and high-risk customers according to an embodiment of the present invention. FIG. 2 is another block diagram of the transaction management and control system for uncompleted due diligence and high-risk customers based on the embodiment shown in FIG. 1 of the present invention.

10: Transaction control system

11: Central Accounting Host

20: Proximity control host

21: Computer

31: ATM

40: Online banking control host

41: electronic device

Claims (10)

A transaction management and control system for uncompleted due diligence and high-risk customers. It is connected to a counter control host via a network, and the counter control host is connected to more than one computer via the network. The transaction control system includes: A central accounting host is connected to the counter control host via the network, and stores multiple first incomplete due diligence and high-risk account information. The central accounting host receives the data sent by the computer via the counter control host. According to the account update information, the corresponding first uncompleted due diligence review and high-risk account information, the corresponding note 1 completed due diligence note information, and the corresponding one completed due diligence review information are respectively updated based on the account update information Cum high-risk account information; Among them, the central accounting host respectively notes the first incomplete due diligence review and high-risk account information that has not been updated, and respectively stores them as a corresponding second incomplete due diligence review and high-risk account information. Information, and the information is not updated after more than one data update control time. The corresponding second due diligence review and high-risk account information is not updated. The central accounting host restricts the corresponding transaction authority. For example, in the transaction control system for incomplete due diligence and high-risk clients described in claim 1, each piece of first incomplete due diligence and high-risk account information includes a customer identity information and an account information; Completed due diligence review and high-risk account information include a customer identity information, an account information and the completed due diligence note information. For example, the transaction control system for incomplete due diligence and high-risk clients as described in claim 2, where each second incomplete due diligence and high-risk account information includes the client’s identity information, the account information, and the incomplete due diligence Investigation note information; the incomplete due diligence note information includes a note time information. For example, the transaction control system for uncompleted due diligence and high-risk customers described in claim 3, wherein most ATMs are further connected via the network; when the central accounting host receives an ATM transaction instruction sent by one of the ATMs, The customer identification information in the ATM transaction order is compared with the customer identification information in the completed due diligence review and high-risk account information, and the second incomplete due diligence review and high-risk account information is compared. The customer identification information is compared, and when the customer identification information of the ATM transaction order corresponds to one of the second customer identification information that has not completed due diligence and high-risk account information, the ATM transaction order is rejected and a first transaction is returned The failure notification information is displayed to the corresponding ATM. For example, the transaction control system for uncompleted due diligence and high-risk customers described in claim 4, wherein the central accounting host confirms the receipt of the current transaction time information of the ATM transaction instruction, and the corresponding second uncompleted due diligence review If the time interval of the note time information of the high-risk account information exceeds the data update control time information, the ATM transaction instruction will be rejected. As described in claim 5, the transaction control system for uncompleted due diligence and high-risk customers, wherein an online banking control host is further connected via the network, and the online banking control host is connected to more than one electronic device; when the central accounting host receives An online banking transaction instruction sent to the electronic device via the online banking control host is based on a customer identification information in the online banking transaction instruction and the customer identification information in the completed due diligence and high-risk account information Compare the information, and compare the customer identity information in the second due diligence review and high-risk account information, and when the customer identity information of the online banking transaction order corresponds to one of the second due diligence reviews The customer identification information, which is the high-risk account information, rejects the online banking transaction instruction, and returns a second transaction failure notification information to the online banking control host, so as to be sent to the electronic device through the online banking control host for display. For example, the incomplete due diligence review and transaction control system for high-risk customers described in claim 6, wherein the central accounting host confirms the receipt of a current transaction time information of the online banking transaction instruction, and the corresponding second incomplete due diligence The time interval of the review and high-risk account information annotation time information exceeds the data update control time information, then the online banking transaction instruction is rejected. For example, the transaction control system for uncompleted due diligence and high-risk customers described in claim 7, wherein when the central accounting host receives the temporary counter control host to send some second uncompleted due diligence and high-risk account information Update the information of one of the accounts, update the second incomplete due diligence review and high-risk account information, and adjust the incomplete due diligence note information corresponding to the corresponding note to the corresponding completed due diligence note information, and save them separately For the corresponding piece of completed due diligence review and high-risk account information. For example, the transaction management and control system for uncompleted due diligence and high-risk customers described in claim 8, wherein the central accounting host receives a query command sent by any computer via the counter control host, and then according to a query command Compare the customer identification information with the first incomplete due diligence review and high-risk account information, and compare the customer identification information with the completed due diligence review and high-risk account information, And compare it with the customer identification information of the second incomplete due diligence review and high-risk account information to obtain the first incomplete due diligence review and high-risk account information that matches the customer identification information of the query command, Completed due diligence review and high-risk account information, second incomplete due diligence review and high-risk account information, to generate a corresponding information adjustment track information, and send it to the corresponding computer through the counter control host. For example, in the transaction management and control system for incomplete due diligence and high-risk customers as described in claim 9, the central accounting host may be a server device.

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