TWM639005U - Financial regulatory compliance process management device and system - Google Patents
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本揭露係有關一種管理裝置及系統,特別是有關於一種金融合規作業管理裝置及系統。This disclosure relates to a management device and system, in particular to a financial compliance operation management device and system.
為了符合法規規定,當銀行推行新商品、服務或業務前,皆須填寫金融法令合規評估表,而評估表內容複雜不易理解,每次填寫人員皆須花費時間了解如何撰寫,使得有時在審核過程中不斷重寫,耗費時間人力,且難以經驗傳承。In order to comply with regulations, before a bank launches a new product, service or business, it must fill out a financial law compliance assessment form. However, the content of the assessment form is complicated and difficult to understand. Each time the personnel who fill it out have to spend time learning how to write it, making sometimes Continuous rewriting during the review process is time-consuming and manpower-consuming, and it is difficult to pass on experience.
有鑑於此,如何使金融法令合規評估作業更便利、更有效率,乃業界亟需努力之目標。In view of this, how to make financial legal compliance assessment operations more convenient and efficient is an urgent goal for the industry.
為了解決上述問題,本揭露提出一種金融合規作業管理裝置 ,包含一儲存器、一通訊介面以及一處理器。該儲存器用以儲存複數個業務資料,其中該些業務資料各者對應一類別,該些類別係代表複數個金融業務其中之一,並且該些業務資料各者包含所對應之該類別的一法規資料。該通訊介面通訊連接一終端裝置,用以向該終端裝置傳輸一業務相關資料。該處理器耦接該儲存器及該通訊介面,用以執行以下運作:接收一業務資料請求,其中該業務資料請求對應該些類別其中之一請求類別;以及根據該業務資料請求所對應之該請求類別,傳送該些業務資料中對應該請求類別之至少一請求業務資料至該終端裝置。In order to solve the above problems, this disclosure proposes a financial compliance operation management device, which includes a storage, a communication interface and a processor. The storage is used to store a plurality of business data, wherein each of the business data corresponds to a category representing one of the plurality of financial businesses, and each of the business data includes a regulation corresponding to the category material. The communication interface is communicatively connected to a terminal device for transmitting a service-related data to the terminal device. The processor is coupled to the storage and the communication interface, and is used to perform the following operations: receive a business data request, wherein the business data request corresponds to one of the types of requests; and according to the business data request corresponding to the request category, sending at least one request service data corresponding to the request category among the service data to the terminal device.
本揭露還提出一種金融合規作業管理系統,包含一終端裝置以及一金融合規作業管理裝置。該終端裝置包含一使用者介面,該使用者介面用以提供一使用者該終端裝置所接收之一業務相關資料。該金融合規作業管理裝置包含一儲存器、一通訊介面以及一處理器。該儲存器用以儲存複數個業務資料,其中該些業務資料各者對應一類別,該些類別係代表複數個金融業務其中之一,並且該些業務資料各者包含所對應之該類別的一法規資料。該通訊介面通訊連接該終端裝置,用以向該終端裝置傳輸一業務相關資料。該處理器耦接該儲存器及該通訊介面,用以執行以下運作:接收一業務資料請求,其中該業務資料請求對應該些類別其中之一請求類別;以及根據該業務資料請求所對應之該請求類別,傳送該些業務資料中對應該請求類別之至少一請求業務資料至該終端裝置。This disclosure also proposes a financial compliance operation management system, which includes a terminal device and a financial compliance operation management device. The terminal device includes a user interface, and the user interface is used to provide a user with service-related data received by the terminal device. The financial compliance operation management device includes a storage, a communication interface and a processor. The storage is used to store a plurality of business data, wherein each of the business data corresponds to a category representing one of the plurality of financial businesses, and each of the business data includes a regulation corresponding to the category material. The communication interface is communicatively connected to the terminal device for transmitting a service-related data to the terminal device. The processor is coupled to the storage and the communication interface, and is used to perform the following operations: receive a business data request, wherein the business data request corresponds to one of the types of requests; and according to the business data request corresponding to the request category, sending at least one request service data corresponding to the request category among the service data to the terminal device.
為了使本揭露之敘述更加詳盡與完備,可參照所附之圖式及以下所述各種實施例,圖式中相同之號碼代表相同或相似之元件。In order to make the description of the present disclosure more detailed and complete, reference may be made to the accompanying drawings and various embodiments described below, and the same numbers in the drawings represent the same or similar elements.
請參照第1圖,其為本揭露第一實施方式金融合規作業管理裝置100的示意圖。金融合規作業管理裝置100係用以根據一使用者之一請求,傳送對應的業務資料至該使用者之一終端裝置。金融合規作業管理裝置100包含儲存器120、處理器140以及通訊介面160。Please refer to FIG. 1 , which is a schematic diagram of a financial compliance
儲存器120用以儲存複數個業務資料,該些業務資料各者對應一類別,其中該些類別係代表複數個金融業務其中之一。在一些實施例中,該些類別包含一行動網路銀行類別、一網路銀行類別、一電子支付類別、一自動化櫃員機類別以及一網路自動化櫃員機類別至少其中之一或其組合。The
該些業務資料各者包含所對應之該類別的一法規資料。在一些實施例中,該些業務資料包含所對應之該些類別的一法令合規評估資料、一合規作業資料以及一法規解釋資料至少其中之一或其組合。在一實施例中,該些業務資料各者還包含所對應之該類別過去作業所引用之法規條文。Each of the business data includes a corresponding legal data of the category. In some embodiments, the business data include at least one or a combination of a legal compliance assessment data, a compliance operation data, and a legal interpretation data corresponding to the categories. In one embodiment, each of the business data also includes the legal provisions cited by the corresponding type of past operations.
在一實施例中,為了符合個人資料保護法的規定,銀行需要評估其在內部訓練、作業流程、服務內容等各個組織面向上,在個人資料的蒐集、處理及利用的過程中是否合乎法規規定。因此,該些業務資料可包含一個人資料保護影響評估表,該個人資料保護影響評估表包含複數個評估原則(例如:告知原則)、對應該些評估原則各者的複數個評估項目(例如:直接蒐集之告知時機與程序)以及對應該些評估項目各者的複數個檢查項目(例如:是否知悉個人資料外洩相關事件之通報程序、機制、對象及應注意事項?),該個人資料保護影響評估表提供銀行人員在評估過程中各個面向、項目的評估指引,進一步地,銀行人員可按該些檢查項目逐個盤點,完成評估作業。In one embodiment, in order to comply with the provisions of the Personal Data Protection Law, the bank needs to assess whether its internal training, operating procedures, service content and other organizational aspects comply with the regulations in the process of collecting, processing and utilizing personal data . Therefore, these business materials may include a personal data protection impact assessment form, which includes multiple assessment principles (for example: notification principle), multiple assessment items corresponding to each of these assessment principles (for example: direct Notification timing and procedures for collection) and multiple inspection items corresponding to each of these evaluation items (for example: are you aware of the notification procedures, mechanisms, objects, and precautions for incidents related to personal data leakage?), the impact of personal data protection The evaluation form provides the bank personnel with various aspects and project evaluation guidelines during the evaluation process. Furthermore, the bank personnel can take stock of these inspection items one by one to complete the evaluation work.
在一實施例中,銀行為了評估一新服務的金融風險,該些業務資料可包含一風險評估表,該風險評估表包含複數個風險項目(例如:與現金之關聯程度/套現程度)的複數個題目(例如:總是/可能/極少涉及現金或容易套現),提供銀行人員勾稽,並根據勾稽的選項進行評分(例如:選擇總是/可能/極少涉及現金或容易套現,分別獲得3/2/1分),進一步地,完成勾稽該些題目後,可獲得一風險分數以及一風險評級,產生對應該新服務的一金融風險評估結果。In one embodiment, in order for the bank to assess the financial risk of a new service, the business information may include a risk assessment table, which includes a plurality of risk items (for example: degree of correlation with cash/cash-out degree) For each item (e.g.: always/probably/rarely cash involved or easy to cash out), provide the bank staff to check and score according to the options for the check (e.g.: choose always/probably/rarely involve cash or easy cash out, get 3/ 2/1 points), further, after completing the checking of these questions, a risk score and a risk rating can be obtained, and a financial risk assessment result corresponding to the new service will be generated.
在一實施例中,銀行為了評估一新服務是否有符合相關法令,該些業務資料可包含一符合法令遵循檢核表,該符合法令遵循檢核表可包含該新服務應遵循之法令(例如:金融消費者保護法、個人資料保護法)、公會規範(例如:金融機構辦理電子銀行業務安全控管作業基準)及其他須檢核之規範(例如:銀行內部規章),該符合法令遵循檢核表還可包含對應上述法令、規範的至少一檢核結果,例如包含是否符合法令,以及該新服務中符合法令的作業方式(例如:為符合個人資料保護法之規範,蒐集客戶個資前,提供客戶個資使用條款,並取得客戶之同意)。In one embodiment, in order to assess whether a new service complies with relevant laws and regulations, the business information may include a legal compliance checklist, which may include laws and regulations that the new service should comply with (for example : Financial Consumer Protection Act, Personal Data Protection Act), trade association norms (for example: financial institutions handle e-banking business security control operation standards) and other norms that need to be checked (for example: internal regulations of banks), which conform to laws and regulations The check list can also include at least one check result corresponding to the above-mentioned laws and regulations, such as whether it complies with the laws and regulations, and the operation method in the new service that complies with the laws and regulations (for example: in order to comply with the regulations of the Personal Data Protection Law, before collecting customer personal information , provide the terms of use of customer personal information, and obtain the consent of the customer).
在一實施例中,為了使人員有效率地了解該些業務資料所包含的至少一表單如何填寫,該些業務資料可包含一填寫說明,該填寫說明包含該些業務資料所包含的該至少一表單之填寫說明,例如:填寫順序、巨集公式運算過程及評估結果說明。In one embodiment, in order to enable personnel to efficiently understand how to fill in at least one form included in the business data, the business data may include a filling instruction, and the filling description includes the at least one form included in the business data. Form filling instructions, such as: filling sequence, macro formula operation process and evaluation result description.
在一些實施例中,儲存器120可包含半導體或固態記憶體、磁帶、可移式電腦磁片、隨機存取記憶體(random access memory,RAM)、唯讀記憶體(read-only memory,ROM)、硬磁碟和/或光碟。In some embodiments, the
處理器140分別耦接儲存器120以及通訊介面160,用以根據該使用者之該終端裝置所提供的一請求,決定傳送該些業務資料其中部分業務資料至該終端裝置。The
在一些實施例中,處理器 140可包含中央處理單元(central processing unit,CPU)、多重處理器、分散式處理系統、特殊應用積體電路(application specific integrated circuit,ASIC)和/或合適的運算單元。In some embodiments, the
通訊介面160通訊連接該使用者之該終端裝置,用以使金融合規作業管理裝置100向該終端裝置接收和傳送資料和/或用以向該終端裝置傳輸一業務相關資料。The
在一些實施例中,通訊介面160可包含無線通訊介面如藍芽(BLUETOOTH)、WIFI、WIMAX、GPRS或WCDMA;或有線通訊介面如乙太網、USB或IEEE-1364。In some embodiments, the
在一些實施例中,處理器 140用以接收一輸入業務資料以及一輸入類別,其中該輸入類別係代表複數個金融業務其中之一,並且該輸入業務資料包含對應該輸入類別的該法規資料;以及將該輸入業務資料以及該輸入類別關聯儲存至儲存器120。In some embodiments, the
舉例而言,該使用者欲新增對應一行動網路銀行類別之一行動網路銀行服務風險評估表,其中該行動網路銀行服務風險評估表包含推行行動網路銀行服務須遵循的相關法規以及須評估是否合規的複數個項目。該使用者以該終端裝置傳送該輸入業務資料(即,該行動網路銀行服務風險評估表)以及該輸入類別(即,該行動網路銀行類別)至金融合規作業管理裝置100。處理器 140接收該輸入業務資料以及該輸入類別後,將該輸入業務資料以及該輸入類別關聯儲存至儲存器120。For example, the user wants to add a mobile internet banking service risk assessment form corresponding to a mobile internet banking category, wherein the mobile internet banking service risk assessment form includes relevant laws and regulations that must be followed in implementing mobile internet banking services and a number of items to be assessed for compliance. The user transmits the input business data (ie, the mobile internet banking service risk assessment form) and the input category (ie, the mobile internet banking category) to the financial compliance
在一些實施例中,處理器 140用以接收一業務資料請求,其中該業務資料請求對應該些類別其中之一請求類別;以及根據該業務資料請求所對應之該請求類別,傳送該些業務資料中對應該請求類別之至少一請求業務資料至該終端裝置。In some embodiments, the
舉例而言,為了在行動網路銀行中新增智能語音之一新服務,該使用者須填寫有關該新服務的至少一合規文件,因此以該終端裝置傳送該業務資料請求至金融合規作業管理裝置100,並且該業務請求對應該行動網路銀行類別。處理器 140接收該業務資料請求後,傳送儲存器120所儲存之該些業務資料中,對應該行動網路銀行類別之至少一請求業務資料(例如:行動網路銀行服務風險評估表、行動網路銀行服務個人資料保護影響評估表、行動網路銀行服務符合法令遵循檢核表以及前述三個表單之填寫說明)至該終端裝置,提供該使用者運用。在一實施例中,該至少一請求業務資料還包含過去執行該行動網路銀行類別之相關作業時所引用之法規條文,以提供該使用者參酌並挑選所需要之法規條文。For example, in order to add a new service of intelligent voice in mobile Internet banking, the user must fill in at least one compliance document related to the new service, so the terminal device sends the business information request to the financial compliance The
在一些實施例中,處理器140用以接收一更新業務資料以及該些類別其中之一更新類別,其中該更新業務資料包含對應該更新類別的該法規資料;以及基於該更新業務資料,更新該些業務資料中之至少一待更新業務資料,其中該至少一待更新業務資料對應該更新類別。
In some embodiments, the
舉例而言,當法規和/或規章(例如:個人資料保護法)經過修訂,銀行推行行動網路銀行服務時須遵循的法規和/或規章亦需要更新,該使用者須修正該些業務資料中對應該行動網路銀行類別之至少一待更新業務資料(例如:行動網路銀行服務符合法令遵循檢核表)。因此,該使用者以該終端裝置傳送該更新業務資料(例如:更新後的行動網路銀行服務符合法令遵循檢核表)以及該更新類別(例如:該行動網路銀行類別)至該終端裝置。處理器140接收該更新業務資料以及該更新類別後,以該更新業務資料取代儲存器120所儲存之該待更新業務資料。
For example, when the laws and/or regulations (for example: personal data protection law) are revised, the laws and/or regulations that banks must follow when implementing mobile Internet banking services also need to be updated, and the user must amend the business information At least one business information to be updated corresponding to the category of mobile internet banking (for example: mobile internet banking service compliance checklist). Therefore, the user sends the updated business information (for example: the updated mobile Internet banking service compliance checklist) and the updated category (for example: the mobile online banking category) to the terminal device through the terminal device . After receiving the updated service data and the updated category, the
在一些實施例中,處理器140用以接收一刪除業務資料請求,其中該刪除業務資料請求對應該些類別其中之一刪除類別;以及根據該刪除業務資料請求所對應之該刪除類別,自該儲存器中刪除該些業務資料中對應該刪除類別之至少一待刪除業務資料。
In some embodiments, the
舉例而言,該使用者欲刪除該些業務資料其中該至少一待刪除業務資料(例如:行動網路銀行服務風險評估表填寫說明),因此,以該終端裝置傳送該刪除業務資料請求,其中該刪除業務資料請求對應所欲刪除之該待刪除業務資料之類別(例如:該行動網路銀行類別)。處理器 140接收該刪除業務資料請求後,自儲存器120中刪除該至少一待刪除業務資料(例如:行動網路銀行服務風險評估表填寫說明)。For example, the user wants to delete at least one of the business data to be deleted (for example: instructions for filling out the mobile Internet banking service risk assessment form), so the user sends the request to delete the business data with the terminal device, wherein The request for deleting business data corresponds to the category of the business data to be deleted (for example: the category of the mobile internet bank). After the
請進一步參考第2圖,其為本揭露第二實施方式金融合規作業管理系統10的示意圖。金融合規作業管理系統10包含金融合規作業管理裝置100以及終端裝置200。終端裝置200包含使用者介面220。Please refer further to FIG. 2 , which is a schematic diagram of a financial compliance
在一些實施例中,使用者介面220用以提供終端裝置200所接收到之一業務相關資料。例如:使用者介面220為一顯示螢幕,當終端裝置200接收該業務相關資料時,使用者介面220顯示該業務相關資料所包含的表單、試算表、圖表、文件和/或其他檔案。In some embodiments, the
於某些實施方式中,視金融合規作業管理裝置100實際運作時的規模及需求,金融合規作業管理裝置100可同時與複數個終端裝置通訊連接,並對該些終端裝置各者執行與對應於終端裝置200相同之運作。In some implementations, depending on the scale and requirements of the financial compliance
金融合規作業管理裝置100包含一儲存器(例如:第1圖所繪示之儲存器120)、一通訊介面(例如:第1圖所繪示之通訊介面160)以及一處理器(例如:第1圖所繪示之處理器140)。在一實施例中,金融合規作業管理系統10之金融合規作業管理裝置100和第1圖所繪示之金融合規作業管理裝置100相同。The financial compliance
在一些實施例中,金融合規作業管理裝置100之該處理器用以接收一業務資料請求,其中該業務資料請求對應該些類別其中之一請求類別;以及根據該業務資料請求所對應之該請求類別,傳送該些業務資料中對應該請求類別之至少一請求業務資料至終端裝置200。
In some embodiments, the processor of the financial compliance
在一些實施例中,金融合規作業管理裝置100之該處理器用以接收一輸入業務資料以及一輸入類別,其中該輸入類別係代表複數個金融業務其中之一,並且該輸入業務資料包含對應該輸入類別的該法規資料;以及將該輸入業務資料以及該輸入類別關聯儲存至該儲存器。
In some embodiments, the processor of the financial compliance
在一些實施例中,金融合規作業管理裝置100之該處理器用以接收一更新業務資料以及該些類別其中之一更新類別,其中該更新業務資料包含對應該更新類別的該法規資料;以及基於該更新業務資料,更新該些業務資料中之至少一待更新業務資料,其中該至少一待更新業務資料對應該更新類別。
In some embodiments, the processor of the financial compliance
在一些實施例中,金融合規作業管理裝置100之該處理器用以接收一刪除業務資料請求,其中該刪除業務資料請求對應該些類別其中之一刪除類別;以及根據該刪除業務資料請求所對應之該刪除類別,自該儲存器中刪除該些業務資料中對應該刪除類別之至少一待刪除業務資料。
In some embodiments, the processor of the financial compliance
雖以數個實施例詳述如上作為示例,然本揭露所提出之金融合規作業管理裝置及系統亦得以其他系統、硬體、儲存媒體或其組合實現。因此,本揭露之保護範圍不應受限於本揭露實施例所描述之特定實現方式,當視後附之申請專利範圍所界定者為準。Although several embodiments are described above as an example, the financial compliance operation management device and system proposed in this disclosure can also be realized by other systems, hardware, storage media or combinations thereof. Therefore, the scope of protection of the present disclosure should not be limited to the specific implementation described in the embodiments of the present disclosure, as defined by the scope of the appended patent application.
對於本揭露所屬技術領域中具有通常知識者顯而易見的是,在不脫離本揭露的範圍或精神的情況下,可以對本揭露的結構進行各種修改和變化。鑑於前述,本揭露之保護範圍亦涵蓋在後附之申請專利範圍內進行之修改和變化。It will be apparent to those skilled in the art to which the present disclosure pertains that various modifications and changes can be made in the structures of the present disclosure without departing from the scope or spirit of the present disclosure. In view of the foregoing, the scope of protection of this disclosure also covers the modifications and changes made within the scope of the appended patent application.
100:金融合規作業管理裝置 120:儲存器 140:處理器 160:通訊介面 10:金融合規作業管理系統 200:終端裝置 220:使用者介面 100: Financial compliance operation management device 120: storage 140: Processor 160: communication interface 10: Financial compliance operation management system 200: terminal device 220: user interface
為讓本揭露之上述和其他目的、特徵、優點與實施例能更明顯易懂,所附圖式之說明如下: 第1圖為本揭露第一實施方式金融合規作業管理裝置的示意圖;以及 第2圖為本揭露第二實施方式金融合規作業管理系統的示意圖。 In order to make the above and other purposes, features, advantages and embodiments of the present disclosure more comprehensible, the accompanying drawings are described as follows: Figure 1 is a schematic diagram of a financial compliance operation management device according to the first embodiment of the present disclosure; and FIG. 2 is a schematic diagram of a financial compliance operation management system according to a second embodiment of the present disclosure.
100:金融合規作業管理裝置 100: Financial compliance operation management device
120:儲存器 120: storage
140:處理器 140: Processor
160:通訊介面 160: communication interface
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