TWM646715U - Automatic equity collection and substantial beneficiary analysis system - Google Patents

Abstract

This invention provides an automated equity collection and substantial beneficiary analysis system, including: an interface device that communicates with an electronic platform to obtain a first data set and a second data set from the electronic platform; a first database, Used to receive and store the first data set and the second data set obtained by the interface device from the electronic platform, wherein the first data set and the second data set stored in the first database have been Further filtering; an analysis module for receiving and analyzing the filtered first data set from the first database, and generating a calculation result based on the analyzed and updated first data set; and a The second database is used to store at least the calculation results generated by the analysis module according to different customers.

Description

Automated equity collection and substantial beneficiary analysis system

This creation is a substantive beneficiary analysis system, especially an automated equity collection and substantive beneficiary analysis system.

According to Article 3, Paragraph 7 of the Measures for Preventing and Controlling Money Laundering by Financial Institutions, when a customer is a legal person, group or trustee of a trust, he or she should understand the ownership and control structure of the customer or the trust and identify the actual beneficiary of the customer. When the customer is In the case of a legal person or group, the actual beneficiary is a natural person with controlling power. The term "controlling power" refers to a person who directly or indirectly holds more than 25% of the legal person's shares or capital. The financial institution may ask the customer to provide a shareholder list or other Documents assist in identification.

In the existing technology, financial institutions mainly carry out manual work to identify substantial beneficiaries, and need to first collect equity information from customers or go to a public equity platform (for example, company principal and major shareholder information platform (Company Transparency Platform, CTP) (hereinafter referred to as the "CTP Platform") collects public equity information, and then uses manual analysis to calculate the cumulative shareholding status of each shareholder before identifying it. However, in this manual identification process, steps such as collecting public equity information and manual calculations are very time-consuming, especially when faced with fragmented equity and cross-shareholding situations. It is even difficult to clarify manually or requires a lot of time. When clarifying the situation of equity, it will increase the difficulty of identification and reduce efficiency and accuracy. Furthermore, if subsequent due diligence review requires the identification of substantial beneficiaries of the same client, the overall complicated identification process needs to be repeated again and again, and the equity data that has been manually analyzed before can be difficult to effectively reuse even if it is only fine-tuned. As a result, the overall manual identification process is inefficient and the identification accuracy is difficult to master.

Therefore, how to provide a substantive beneficiary analysis system that can solve the above problems is an important issue that the industry needs to think about.

In view of the above, one aspect of the present disclosure provides an automated equity collection and substantial beneficiary analysis system, including: an interface device, a first database, an analysis module and a second database. The interface device communicates with an electronic platform to obtain a first data set and a second data set from the electronic platform. The first database is used to receive and store the first data set and the second data set obtained by the interfacing device from the electronic platform; wherein, the data stored in the first database The first data set as well as the second data set have been further screened. The analysis module is configured to receive and analyze the filtered first data set from the first database, and generate a calculation result based on the analyzed and updated first data set. The second database is used to store at least the calculation results generated by the analysis module according to different customers.

According to one or more implementations of the present disclosure, the analysis module generates a cycle of equity information and a reminder that equity information needs to be withdrawn based on the calculation result.

According to one or more implementations of the present disclosure, the interface device is an application programming interface (API) interface device.

According to one or more implementations of the present disclosure, the first data set includes a customer data subset and a shareholder equity data subset, and the second data set includes a national daily equity transaction file data subset. set.

According to one or more implementations of the present disclosure, the calculation result includes an equity tree diagram, an equity summary table, and an undisclosed detailed list of general legal person equity.

According to one or more implementations of the present disclosure, the analysis module includes: a data input interface submodule for inputting or importing the first data set; A query function sub-module used to initiate actions that interface with the application programming interface (API) of the electronic platform; An interface function submodule for allowing the action to be interfaced with the application programming interface (API) of the electronic platform; An automatic detection function sub-module for detecting and determining whether a user has previous data or whether the first data set obtained from the electronic platform is the latest; A shareholder classification function sub-module for performing automatic classification by the automated equity collection and substantial beneficiary analysis system when a data source comes from the application programming interface (API) of the electronic platform, and when the data source is manually automated When creating, they are manually selected and sorted; and A merging function sub-module is used to integrate a self-built equity data and the first data set obtained from the electronic platform.

According to one or more implementations of the present disclosure, the second database further includes self-created equity data input by the data input interface sub-module or the first data set imported

According to one or more implementations of the present disclosure, the data subset of the national daily equity change files includes the customer ID and the change date.

According to one or more implementations of the present disclosure, the automated equity collection and substantial beneficiary analysis system, for each customer ID, combines the first data set and the second data set in the first database with the electronic The first data set is compared in real time on the platform so that only the latest first data set is retained in the first database.

Another aspect of the disclosure provides an automated equity collection and substantial beneficiary analysis system, including: An application programming interface (API) interface device communicates with a CTP platform to obtain a first data set and a second data set from the CTP platform, wherein the first data set includes a customer data subset and a A subset of shareholder equity data, and the second data set includes a data subset of national daily equity changes; A CTP public database for receiving and storing the first data set and the second data set obtained by the application programming interface (API) interface device from the CTP platform, wherein the data stored in the CTP public database is The first data set and the second data set have been further screened; A substantial beneficiary analysis module, configured to receive and analyze the filtered first data set from the CTP public database, and generate a calculation result based on the analyzed and updated first data set; and A substantial beneficiary database used to store the calculation results generated by the substantial beneficiary analysis module according to different customers; The substantial beneficiary analysis module generates a cycle of equity information based on the calculation results and a reminder that equity information needs to be withdrawn again; The calculation results include an equity tree diagram, an equity summary table, and an undisclosed detailed table of general legal person equity.

In order to facilitate the review committee to have a further understanding of the purpose, shape, structural device characteristics and functions of this creation, the detailed description is as follows:

Below, an embodiment of the automated equity collection and substantial beneficiary analysis system of this creation is explained with diagrams.

First, please refer to Figure 1 , which illustrates an automated equity collection and substantial beneficiary analysis system according to an embodiment of this invention.

As shown in FIG. 1 , the automated equity collection and substantial beneficiary analysis system 100 includes an electronic platform 10 , an interface device 20 , a first database 30 , an analysis module 40 and a second database 50 .

The interfacing device 20 communicates with an electronic platform 10 to obtain a first data set and a second data set from the electronic platform 10 . The first data set is provided by the first unit 10a and the second data set is provided by the second unit 10b.

The first database 30 is used to receive and store the first data set and the second data set obtained by the interface device 20 from the electronic platform 10 , wherein the first data set is stored in the first database 30 and the second data set has been further screened. It should be noted here that the screening mentioned here refers to the screening process of whether the content of the first data set is up to date based on the second data set, and the second data set is only the equity change date file, and it does not have equity Data, only the last update date of the equity, is mainly used to determine whether the first data set is the latest.

The analysis module 40 is used to receive and analyze the filtered first data set from the first database 30, and generate a calculation result based on the analyzed and updated first data set.

The second database 50 is used to store at least the calculation results generated by the analysis module 40 according to different customers.

In one embodiment, the analysis module 40 generates a cycle of equity information and a reminder that equity information needs to be withdrawn based on the calculation result.

In one embodiment, the interface device 20 is an application programming interface (API) interface device.

In one embodiment, the first data set includes a customer data subset and a shareholder equity data subset, and the second data set includes a national daily equity change file data subset.

In one embodiment, the calculation result includes an equity tree diagram, an equity summary table, and an undisclosed detailed list of general legal person equity.

In one embodiment, the analysis module 40 includes: a data input interface sub-module for inputting self-created equity data or importing the first data set; A query function sub-module for initiating actions that interface with the application programming interface (API) of the electronic platform 10; An interface function sub-module for allowing the action to be interfaced with the application programming interface (API) of the electronic platform 10; An automatic detection function sub-module for detecting and determining whether a user has previous data or whether the first data set obtained from the electronic platform 10 is the latest; A shareholder classification function sub-module for performing automatic classification by the automated equity collection and substantial beneficial owner analysis system when a data source comes from the application programming interface (API) of the electronic platform 10, and when the data source is manual If you build it yourself, it will be manually selected and sorted; and

In one embodiment, the second database 50 further includes the self-created equity data input by the data input interface sub-module or the first data set imported.

In one embodiment, the data subset of the national daily equity change files includes the customer ID and the change date.

In one embodiment, the automated equity collection and substantial beneficiary analysis system combines the first data set and the second data set in the first database with the real-time data on the electronic platform for each customer ID. The first data set is compared to retain only the latest first data set in the first database.

In another embodiment, the automated equity collection and substantial beneficiary analysis system includes: An application programming interface (API) interface device communicates with a CTP platform to obtain a first data set and a second data set from the CTP platform, wherein the first data set includes a customer data subset and a A subset of shareholder equity data, and the second data set includes a data subset of national daily equity changes; A CTP public database for receiving and storing the first data set and the second data set obtained by the application programming interface (API) interface device from the CTP platform, wherein the data stored in the CTP public database is The first data set and the second data set have been further screened; A substantial beneficiary analysis module, configured to receive and analyze the filtered first data set from the CTP public database, and generate a calculation result based on the analyzed and updated first data set; and A substantial beneficiary database used to store the calculation results generated by the substantial beneficiary analysis module according to different customers; The substantial beneficiary analysis module generates a cycle of equity information based on the calculation results and a reminder that equity information needs to be withdrawn again; The calculation results include an equity tree diagram, an equity summary table, and an undisclosed detailed table of general legal person equity.

In an embodiment of another implementation aspect, an operating method of an automated equity collection and substantial beneficiary analysis system includes: Communicate with a CTP platform through an interfacing device to obtain the latest CTP data; Entering a customer ID into an analysis module to execute a first detection process and a second detection process, and wherein the first detection process is used to detect the entered customer ID in an actual beneficiary information Whether the previously entered equity data is available in the database, and the second detection program is used to detect whether the CTP data of the customer and upper-level shareholders corresponding to the customer ID are up to date; After aggregating the last self-built data and the latest CTP data, you can add new self-built data to facilitate subsequent calculation steps; and Based on the compiled self-built data and the equity data associated with the latest CTP data, draw an equity tree diagram and then execute the calculation steps to generate a calculation result, and determine whether the equity is sufficient and whether the equity information should be given priority, etc. Reminder mechanism. In another embodiment, the calculation result is to first calculate all the equity accumulated by each shareholder in multiple strata based on the equity tree diagram, and then generate an equity summary table and an undisclosed detailed table of general legal person equity.

In another embodiment, when the total proportion of undisclosed equity of general legal person shareholders and the total proportion of any natural person shareholder holding less than 25% of the equity in the equity summary table is greater than 25%, then the automated equity collection and The substantial beneficiary analysis system generates a warning message that it is necessary to withdraw equity information from the customer again.

In another embodiment, the undisclosed detailed list of general legal person equity is a detailed list of the total undisclosed equity share of general legal person shareholders in the equity summary table, including the name of the undisclosed legal person shareholder and the undisclosed proportion, so that the automation The equity collection and substantial beneficiary analysis system detects whether there is circular equity and displays it in the remarks column of a relevant legal person shareholder.

In another embodiment, the equity tree diagram, the equity summary table, and the general legal person equity undisclosed detailed table generated by the automated equity collection and substantial beneficiary analysis system provide a substantial beneficiary analysis result, and After the warning message that it is necessary to collect equity information from the customer again is displayed, the operation method can be re-executed, and after the equity information is updated in the steps of generating the self-created data and importing the latest CTP data, the calculation step can be re-executed. You can obtain the updated calculation results again.

In another embodiment, when executing the first detection procedure and encountering previous equity data, the automated equity collection and substantial beneficiary analysis system will generate a message asking whether to use the previous equity data; In addition, when the first detection procedure is executed and the previous equity data is not found, the first detection procedure is skipped and the second detection procedure is directly executed.

In another embodiment, when the following situations are encountered when executing the second detection program, the following steps are performed respectively: When the CTP information of the customer and upper-level shareholders is the latest and the previous data is selected to be used in the first detection process, the second detection process is skipped and the previous equity information is directly displayed in the automated equity collection and An equity input or import interface for the substantial beneficiary analysis system; When the CTP information of the customer and upper-level shareholders is not the latest, but one of the CTP public databases of the automated equity collection and substantial beneficiary analysis system has the latest CTP information of the customer and upper-level shareholders, the user will be prohibited from using the interface. The device pays to query the CTP platform and prompts the user to use the latest CTP information of the customer and upper-level shareholders in the CTP public database for free; or When the CTP information of the customer and upper-level shareholders is not the latest, and the CTP public database of the automated equity collection and substantial beneficiary analysis system does not have the latest CTP information of the customer and upper-level shareholders, the automated equity collection and A reminder message that the substantial beneficiary analysis system does not have the latest CTP information of the customer and upper-level shareholders, and then the step of querying the CTP platform through the interface device according to the user's needs, and performs a verification process using the interface device. Steps to interface with the query function.

In another embodiment, when performing the step of aggregating the self-created data and the latest CTP data, if the customer ID of the legal person account is the same or the natural person account name is the same, the latest CTP data will be given priority, and After the aggregation is completed, the correct equity information will be automatically imported into an input interface within the automated equity collection and substantial beneficiary analysis system, and the user can subsequently supplement or adjust the updated equity information into the input interface at any time. , and then perform this calculation step.

In another embodiment, the equity summary table discloses the cumulative shareholding situation of each shareholder and the total undisclosed equity ratio of general legal person shareholders.

The above are only the best specific embodiments of this invention, but the structural features of this invention are not limited thereto. Any changes or modifications that can be easily imagined by anyone familiar with the art in the field of this invention can be covered. In the following patent scope of this case.

10: Electronic platform

10a: Unit 1

10b:Unit 2

20:Interface device

30:First database

40:Analysis module

50: Second database

100:Automated equity collection and substantial beneficiary analysis system

Figure 1 is a schematic diagram of an automated equity collection and substantial beneficiary analysis system according to an embodiment of this invention.

10: Electronic platform

10a: Unit 1

10b:Unit 2

20:Interface device

30:First database

40:Analysis module

50: Second database

100:Automated equity collection and substantial beneficiary analysis system

Claims (9)

An automated equity collection and substantial beneficiary analysis system includes: an interface device communicating with an electronic platform to obtain a first data set and a second data set from the electronic platform; a first database for receiving and store the first data set and the second data set obtained by the interface device from the electronic platform, wherein the first data set and the second data set stored in the first database have been further processed Screening; an analysis module for receiving and analyzing the filtered first data set from the first database, and generating a calculation result based on the analyzed and updated first data set; and a second A database is used to receive and store at least the calculation results generated by the analysis module according to different customers. An automated equity collection and substantial beneficiary analysis system as described in claim 1, wherein the analysis module generates a round of circulating equity information and a reminder that equity information needs to be withdrawn based on the calculation results. The automated equity collection and substantial beneficiary analysis system as described in claim 1, wherein the interface device is an application programming interface (API) interface device. The automated equity collection and substantial beneficiary analysis system as described in claim 1, wherein the first data set includes a customer data subset and a shareholder equity data subset, and the second data set includes a national daily A subset of data on equity transfer files. The automated equity collection and substantial beneficiary analysis system as described in claim 1, wherein the calculation result includes an equity tree diagram, an equity summary table, and an undisclosed detailed list of general legal person equity. The automated equity collection and substantial beneficiary analysis system as described in claim 4, wherein the analysis module includes: a data input interface sub-module for inputting self-created equity data or importing the first data set; a query A functional sub-module is used to initiate actions that interface with the application programming interface (API) of the electronic platform; an interface functional sub-module is used to enable the interface with the application programming interface (API) of the electronic platform. Action; an automatic detection function sub-module for detecting and determining whether a user has previous data or whether the first data set obtained from the electronic platform is the latest; a shareholder classification function sub-module for When a data source comes from the application programming interface (API) of the electronic platform, the automated equity collection and substantial beneficiary analysis system performs automatic classification, and when the data source is manually created, the classification is manually selected. ; and a merging function sub-module for merging the self-created equity data and the first data set obtained from the electronic platform. The automated equity collection and substantial beneficiary analysis system as described in claim 6, wherein the second database further includes the self-created equity data input by the data input interface sub-module or the imported first data set. The automated equity collection and substantial beneficiary analysis system as described in claim 6, wherein the data subset of the national daily equity change file includes the customer ID and the change date. The automated equity collection and substantial beneficiary analysis system as described in request item 8, wherein the automated equity collection and substantial beneficiary analysis system records the first equity for each customer ID. The first data set and the second data set in the database are compared with the real-time first data set on the electronic platform, so that only the latest first data set is retained in the first database.