TWM647639U - Robotic-process-automation system for investigating suspicious transactions - Google Patents

Abstract

A robotic-process-automation system for investigating suspicious transactions includes a communication unit, a processing unit, a robotic-process-automation module, a storage unit and a file module. The robotic-process-automation module is configured to perform: connecting to an anti-money laundry system in a financial institution to retrieve a suspicious transaction investigation list; connecting to a data storage of the financial institution to retrieve the accounting data related to the suspicious transaction investigation list; connecting to the website of commercial and industrial registration to retrieve the business registration data related to the suspicious transaction investigation list; collecting the suspicious transaction investigation list, the accounting data, and the business registration data to generate a detailed suspicious transaction file; and transmitting the detailed suspicious transaction file to a file exchange platform of the financial institution.

Description

Process robotic automation system for suspicious transaction investigations

This creation is about a system related to suspicious transaction investigation by financial institutions.

In recent years, financial authorities have attached great importance to the control of preventing money laundering and combating terrorism. According to Article 9 of the "Measures for the Prevention of Money Laundering by Financial Institutions", financial institutions should establish account or transaction monitoring policies and procedures based on a risk-based approach. , and review its accounts or based on the laws and regulations on preventing money laundering and combating terrorism, the nature of its customers, business scale and complexity, money laundering and terrorism-related trends and information obtained from internal and external sources, the results of internal risk assessments of financial institutions, etc. Transaction monitoring policies and procedures, which should at least include complete monitoring types, parameter settings, amount thresholds, execution procedures for early warning cases and monitoring operations, and review procedures and reporting standards for monitoring cases, should be written down and recorded.

Therefore, financial institutions need to monitor suspicious transactions of customers. Currently, financial institutions manually communicate and connect to the financial institution's internal control list filtering system to obtain a list of customers for suspicious transaction investigation, and then communicate and connect to the financial institution's internal data warehouse to query the relevant information of the customers on the list, and communicate Connect to an external commercial and industrial registration website to query company information, and then compile the above queried information to determine whether the transaction is abnormal and report suspicious transactions.

However, the current method of investigating customers who are included in the suspicious transaction monitoring list requires considerable human resources, time and cost.

In view of the above-mentioned problems in suspicious transaction investigation operations, this invention proposes a process robot automation system so that procedures related to suspicious transaction investigation operations can be automatically executed.

Some implementations of the present disclosure provide a process robot automation system for suspicious transaction investigation, including: a communication unit, a processing unit, a process robot automation module, a storage unit, and a file module. The processing unit is electrically connected to the communication unit. The process robot automation module is electrically connected to the processing unit. The storage unit is electrically connected to the processing unit and the process robot automation module. The file module is electrically connected to the communication unit and the processing unit. The process robot automation module is configured to perform: communicate via the communication unit to connect to a control list filtering system of a financial institution to retrieve a suspicious transaction investigation list and store it in the storage unit; communicate via the communication unit Connect to a data warehouse at the financial institution to retrieve accounting information related to the suspicious transaction investigation list; communicate with a commercial and industrial registration website through the communication unit to retrieve the suspicious transaction investigation list Relevant commercial and industrial registration information; through the processing unit and the file module, the suspicious transaction investigation list, the accounting information, and the commercial and industrial registration information are compiled to generate a suspicious transaction investigation summary file; and through the communication unit, The suspicious transaction investigation summary file is sent to a file exchange platform at the financial institution.

In some implementations, the suspicious transaction investigation list is related to suspected money laundering or terrorism financing.

In some embodiments, the accounting information includes: customer identity information, deposit transaction details, remittance information, asset information, or a combination thereof.

In some embodiments, the communication connection via the communication unit to a data warehouse in the financial institution includes a core accounting system, a credit card system, and an online banking system that are communication connected to the data warehouse. A guarantee system, a trust system, a securities system, an electronic payment system, a fund system, a safe deposit box system, a bond system, or a combination thereof.

In some embodiments, the communication connection to the data warehouse in the financial institution via the communication unit includes retrieving basic customer information and deposit transaction details related to the suspicious transaction investigation list in the core accounting system. , remittance transaction details, or a combination thereof.

In some embodiments, the commercial and industrial registration information includes the company status, approval change date, director and supervisor status, or a combination thereof of the webpage related to the suspicious transaction investigation list.

In some embodiments, the suspicious transaction investigation summary file is used for downloading by the district operations office of the financial institution for use in handling suspicious transaction investigation operations.

In some embodiments, the information in the suspicious transaction investigation summary file includes customer identification code, customer type, whether there is core account host information, Chinese account name, English account name, whether it is on the sanctions list, and whether it is a political figure. , whether there is any negative news, the country of residence/company, the zip code of residence/company, the address of residence/company, or a combination thereof.

In some embodiments, the suspicious transaction investigation list is set according to different customer risk levels through the control list filtering system.

In some embodiments, the process robot automation module is further configured to automatically communicate and connect to a control list filtering system, a data warehouse, a business registration website, or a file exchange platform at a set time.

Multiple implementations of the present invention will be disclosed in figures below. For the sake of clarity, many practical details will be explained in the following description. However, those skilled in the art should understand that in some implementations of the present invention, these practical details are not necessary, and therefore should not be used to limit the present invention. In addition, for the sake of simplifying the drawings, some commonly used structures and components will be illustrated in a simple schematic manner in the drawings. In addition, for the convenience of readers, the dimensions of each element in the drawings are not drawn according to actual proportions.

As used herein, "connection" can refer to two or more components that are in direct physical or electrical contact with each other, or that are in indirect physical or electrical contact with each other, and "connection" can also refer to two or more components. Interaction or action.

Figure 1 is a schematic diagram of a process robotic automation system for suspicious transaction investigation, in accordance with some embodiments. The process robot automation system 100 is used to help financial institutions (such as banks) conduct automated investigations of suspicious transactions. The process robot automation system 100 includes a communication unit 110, a processing unit 120, a process robot automation module 130, a storage unit 140, and a file module 150. Among them, each unit and module can be electrically connected to each other.

In some implementations, process robotic automation system 100 may be a computer or a server.

In some embodiments, the communication unit 110 may be implemented as a network card, including a communication chip, to establish a connection between the process robot automation system 100 and the network. In some implementations, the communication method used may be, for example, wireless network communication or wired network communication. The communication unit 110 is configured to communicate with other computers or servers, such as the control list filtering system 210 and data warehouse 220 in the internal system 200 of the financial institution, the file exchange platform 400 of the financial institution, and the business registration website of the external website 300 310, as shown in Figure 1.

In some embodiments, the processing unit 120 may be implemented as a processor, such as a central processing unit, a microcontroller, a microprocessor, a digital signal processor, or an application special integrated circuit. (application specific integrated circuit, ASIC), logic circuit, other similar components, or a combination of the above components. The processing unit 120 is electrically connected to the communication unit 110 and is configured to perform calculations, control and data transmission when the process robot automation system 100 is operating.

In some embodiments, the process robotic automation module 130 may be implemented as a program in a computer or server and stored in a hard drive or memory of the storage unit 140 .

In some embodiments, the process robot automation module 130 is configured to perform: communicating with a control list filtering system 210 at a financial institution to retrieve a suspected money laundering or terrorism-related suspicious transaction investigation list.

In some embodiments, the process robot automation module 130 is further configured to communicate with the data warehouse 220 at the financial institution to retrieve accounting information related to the suspicious transaction investigation list.

In some embodiments, the process robot automation module 130 is further configured to: communicate with the commercial and industrial registration website 310 to retrieve commercial and industrial registration information related to the suspicious transaction investigation list.

In some embodiments, the process robot automation module 130 is also configured to perform: compiling the suspicious transaction investigation list, accounting information, and commercial and industrial registration information, and generating the suspicious transaction investigation summary file through the file module 150 . The suspicious transaction investigation summary file contains the detailed information captured above.

In some embodiments, the process robot automation module 130 is further configured to: transmit the suspicious transaction investigation summary file to the file exchange platform 400 of the financial institution for download by the district operations office of the financial institution as a basis for handling suspicious transaction investigation. Adjust the operation to use.

In some embodiments, the storage unit 140 can be implemented as a hard disk or a memory to store data retrieved from the control list filtering system 210, the data warehouse 220, the business registration website 310 via communication, and the data collected through the process robot automation model. The suspicious transaction investigation summary file generated by the group 130 and the file module 150.

In some embodiments, the file module 150 may be implemented as a program in a computer or server and stored in and on the hard drive or memory of the storage unit 140 . The file module 150 is configured to compile the data collected through the process robot automation module 130 and generate a suspicious transaction investigation summary file.

In some embodiments, the process robotic automation system 100 also includes a display device, an input device, an output device, etc., such as a screen, a mouse, a keyboard, a printer, or the like (not shown).

In various embodiments of the present disclosure, the process robot automation system 100 processes various operations through the process robot automation module 130, such as retrieving suspicious transactions from the control list filtering system 210, the data warehouse 220, and the commercial and industrial registration website 310. Transaction information required for investigation. And the process robot automation module 130 will compile the collected data to generate a suspicious transaction investigation summary file containing the detailed information of the case, and upload this suspicious transaction investigation summary file to the file exchange platform 400 for the personnel of the District Operation Office Used for investigating suspicious transactions. The file exchange platform 400 can be, for example, a server, and handlers within the financial institution can query and download files uploaded to the file exchange platform 400 .

In some embodiments, the process robotic automation system 100 may perform operations 10, 20, 30, 40, and other additional operations, which are described in further detail below.

First, the process robot automation system 100 performs operation 10 to communicate with the control list filtering system 210 of the internal system 200 of the financial institution, so as to query the case information of suspicious transactions. The control list filtering system 210 sets suspicious transaction monitoring thresholds according to different customer risk levels, and provides customer transaction information in the bank through the core accounting host. If the customer meets the set suspicious transaction threshold, the control list filtering system 210 will generate suspicious transaction checks. The list of investigation cases and suspicious transactions will be provided to the district operations office of the financial institution for investigation.

That is to say, the control list filtering system 210 provides a customer list related to suspicious transactions, which includes customer numbers to be processed. After obtaining the customer number of the suspicious transaction investigation list through the process robot automation module 130 of the process robot automation system 100, the process robot automation module 130 is used to perform subsequent customer transaction data inquiry and collection.

Next, the process robot automation system 100 performs operation 20 and sends the suspicious transaction case data to the data warehouse 220 of the financial institution's internal system 200 in order to retrieve the transaction details of the customers in the suspicious transaction investigation list.

In some embodiments, the data warehouse 220 includes the financial institution's core accounting system, credit card system, online banking system, insurance agency system, trust system, securities system, electronic payment system, fund system, safe deposit box system, and bonds. System and other customer and account information.

In some embodiments, according to the suspicious transaction investigation list previously captured by the process robot automation module 130, the process robot automation module 130 queries the accounting information of the customers in the suspicious transaction investigation list in the data warehouse 220. .

In some embodiments, the process robot automation module 130 can query the customer's basic information, deposit transaction details, remittance details and other information stored in the core account host of the data warehouse 220 for customers on the suspicious transaction investigation list.

In some embodiments, the process robot automation module 130 can also query the credit card system, online banking system, insurance agency system, trust system, securities system, electronic payment system, etc. of the customers in the suspicious transaction investigation list in the data warehouse 220 Customer and account information of fund system, safe deposit box system, bond system and other systems.

Next, the process robot automation system 100 performs operation 30 and sends the suspicious transaction filing information to the commercial and industrial registration website 310 of the external website 300 in order to retrieve company status information.

In some embodiments, according to the suspicious transaction investigation list previously captured by the process robot automation module 130, the process robot automation module 130 can open the business registration website 310 through the browser, and intercept it through the process robot automation module 130 Company status, approval change date, director and supervisor status, etc. on the client's webpage on the suspicious transaction investigation list.

Afterwards, the process robot automation system 100 compiles the above collected data through the process robot automation module 130, and generates a suspicious transaction investigation summary file through the file module 150, which contains the detailed information of the customers on the suspicious transaction investigation list. In some implementations, the suspicious transaction investigation summary file may be, for example, a file in Excel format, which includes multiple fields or tabs. The data type may include, for example, customer identification code, customer type, and whether there is a core accounting host. Information, Chinese account name, English account name, whether it is on the sanctions list, whether it is a political figure, whether there is any negative news, the country of household registration/company, the zip code of household registration/company, the address of household registration/company, or a combination thereof.

Next, the process robot automation system 100 performs operation 40 and uploads the suspicious transaction investigation summary file to the file exchange platform 400 of the financial institution, and provides it to the district operation office of the financial institution to handle the investigation and monitoring of suspicious transactions.

In some embodiments, the process robot automation module 130 of the process robot automation system 100 for suspicious transaction investigation can also be set at a specific time point or at a specific time period (such as every day, every week, and/or every Month) automatic communication is connected to the control list filtering system 210, data warehouse 220 of the internal system 200 of the financial institution, and the commercial and industrial registration website 310 of the external website 300, or the internal file exchange platform 400 of the financial institution to complete automated suspicious transactions. Investigation work.

The process robot automation system for suspicious transaction investigation created by this invention can reduce the manpower and time consumed in suspicious transaction investigation operations, and transfer the original manual query to the control list filtering system 210, the data warehouse 220, and the commercial and industrial registration website 310. Relevant information is collected through the process robot automation system 100 to the control list filtering system 210 and data warehouse 220 of the financial institution's internal system 200 as well as the external commercial and industrial registration website 310, and is automatically compiled to generate a "suspicious transaction investigation summary file" ” and automatically uploaded to the file exchange platform 400 of the financial institution to facilitate the handling staff to determine or monitor whether the transactions of customers on the suspicious transaction investigation list are abnormal.

Finally, the embodiments disclosed above are not intended to limit the invention. Anyone familiar with this technology can make various changes and modifications without departing from the spirit and scope of the invention, and all of them are protected by the invention. Under creation. Therefore, the scope of protection of this invention shall be determined by the appended patent application scope.

10: Operation 20: Operation 30: Operation 40: Operation 100: Process robotic automation system 110: Communication unit 120: Processing unit 130: Process robot automation module 140:Storage unit 150: Archive module 200:Internal system 210: Control list filtering system 220:Data warehousing 300:External website 310: Commercial and industrial registration website 400:File exchange platform

In order to make the above and other purposes, features, advantages and embodiments of the present invention more obvious and understandable, the accompanying drawings are described as follows: Figure 1 is a process robot automation system for suspicious transaction investigation according to some embodiments. schematic diagram.

10: Operation

20: Operation

30: Operation

40: Operation

100: Process robotic automation system

110: Communication unit

120: Processing unit

130: Process robot automation module

140:Storage unit

150: Archive module

200:Internal system

210: Control list filtering system

220:Data warehousing

300:External website

310: Commercial and industrial registration website

400:File exchange platform

Claims (10)

A process robot automation system for suspicious transaction investigation, including: A communication unit; A processing unit, electrically connected to the communication unit; A process robot automation module, electrically connected to the processing unit; A storage unit, electrically connected Connecting the processing unit and the process robot automation module; and a file module electrically connecting the communication unit and the processing unit; wherein the process robot automation module is configured to perform: communicating via the communication unit to a A control list filtering system of the financial institution retrieves a suspicious transaction investigation list and stores it in the storage unit; communicates with a data warehouse in the financial institution through the communication unit to retrieve information related to the suspicious transaction investigation An accounting information related to the list; communicate and connect to a commercial and industrial registration website through the communication unit to retrieve an industrial and commercial registration information related to the suspicious transaction investigation list; compile the information through the processing unit and the file module The suspicious transaction investigation list, the accounting information, and the commercial and industrial registration information generate a suspicious transaction investigation summary file; and transmit the suspicious transaction investigation summary file to a file exchange platform at the financial institution through the communication unit . A process robot automation system for suspicious transaction investigation as described in request item 1, wherein the suspicious transaction investigation list is related to suspected money laundering or terrorism financing. The process robot automation system for suspicious transaction investigation as described in request item 1, wherein the accounting information includes: customer identity information, deposit transaction details, remittance information, asset information, or a combination thereof. The process robot automation system for suspicious transaction investigation as described in claim 1, wherein the communication unit is connected to the data warehouse in the financial institution, including a core account that is communication connected to the data warehouse. A financial system, a credit card system, an online banking system, a guarantee system, a trust system, a securities system, an electronic payment system, a fund system, a safe deposit box system, a bond system, or a combination thereof. The process robot automation system for suspicious transaction investigation as described in claim 4, wherein the communication connection to the data warehouse in the financial institution via the communication unit includes retrieving data in the core accounting system related to the Basic customer information, deposit transaction details, remittance transaction details, or a combination thereof related to the suspicious transaction investigation list. The process robot automation system for suspicious transaction investigation as described in request item 1, wherein the commercial and industrial registration information includes the company status, approval change date, director and supervisor status, or a combination thereof of the web page related to the suspicious transaction investigation list . The process robot automation system for suspicious transaction investigation as described in request item 1, wherein the suspicious transaction investigation summary file is used for downloading by the district operations office of the financial institution for use in suspicious transaction investigation operations. The process robot automation system for suspicious transaction investigation as described in request item 1, wherein the information of the suspicious transaction investigation summary file includes customer identification code, customer type, whether there is core accounting host information, Chinese account name, English account name, whether it is on the sanctions list, whether it is a political figure, whether there is any negative news, the country of residence/company, the zip code of residence/company, the address of residence/company, or a combination thereof. The process robot automation system for suspicious transaction investigation as described in claim 1, wherein the suspicious transaction investigation list is set according to different customer risk levels through the control list filtering system. The process robot automation system for suspicious transaction investigation as described in request item 1, wherein the process robot automation module is also configured to automatically communicate and connect to the control list filtering system, the data warehouse, and the commercial and industrial system at a set time. Registration website, or the file exchange platform.

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