TWM576299U - Financial information processing system - Google Patents

Abstract

A financial information processing system is provided. The system includes a public blockchain, a client end device and a bank end device. The public blockchain records financial data. The client end device couples to the public blockchain. The bank end device couples to the public blockchain. The client end device executes a financial operation to record a client data on the public blockchain. The bank end device obtains the client data and determines a risk level corresponding to the client data.

Description

Financial information processing system

The novel creation is related to a financial information processing system, and in particular to a financial information processing system for utilizing a public blockchain for customer data verification.

Article 7 of the Taiwan Money Laundering Prevention and Control Act regulates: "Financial institutions and designated non-financial undertakings or personnel shall conduct confirmation of the customer identity procedures and retain the information obtained from their confirmation of the customer identity procedures; they shall confirm that the customer identity procedures shall be based on risks. It should include a review of the substantive beneficiaries." Therefore, you can know that Know Your Customer (KYC) is equal to Anti Money Laundering (AML) Compliance.

After you know the customer, you can further know the effective information to identify whether the customer has any suspicious transaction activities and report it to the money laundering prevention and control unit in time to facilitate the stability of the financial system and combat illegal capital trading activities. Therefore, how to establish an effective shared customer identification database to know customers is a goal that technicians in the field should strive for.

In view of this, the novel creation provides a financial information processing system, which can establish an effective shared customer identification database to recognize customers in order to achieve the goal of anti-money laundering.

The novel creation proposes a financial information processing system, including a public blockchain, a client device and a bank device. Public blockchain records financial information. The client device is coupled to the public blockchain. The bank device is coupled to the public blockchain. The client device performs financial operations to record customer profiles on the public blockchain. The bank device obtains customer data and determines the risk level of the corresponding customer data.

In an embodiment of the novel creation, the bank device performs identity identification based on customer data.

In an embodiment of the novel creation, the bank device classifies the customer data into an individual, a corporate body, or an unincorporated group based on the result of the identity recognition.

In an embodiment of the novel creation, the identity recognition is performed in accordance with a Customer Due Diligence (CDD).

In an embodiment of the novel creation, after the identity is recognized, the bank device performs a list check operation on the customer data.

In an embodiment of the novel creation, the bank device determines the risk level based on the result of the list check operation.

In an embodiment of the novel creation, if the risk level exceeds the threshold, the bank device performs Enhanced Due Diligence on the customer data.

Based on the above, the novel financial information processing system provides a client device to record customer data in a public blockchain, so that the bank device obtains customer data on the public blockchain to judge the customer's risk level. The bank-side device performs identity identification based on the client data and classifies the customer into individuals, corporate bodies, or unincorporated groups based on the identity identification results. The bank-side device also performs a list check operation on the customer data to determine the customer's risk level. If the customer's risk level is greater than the threshold, the bank device will strengthen the due diligence of the customer data.

The above described features and advantages of the present invention will become more apparent and understood from the following description.

1 is a block diagram of a financial information processing system in accordance with an embodiment of the present invention.

Referring to FIG. 1, the financial information processing system 100 of the present invention includes a public blockchain 110, a client device 120, and a bank device 130. Client device 120 is coupled to public blockchain 110. The bank side device 130 is coupled to the public blockchain 110.

In an embodiment, both the client device 120 and the bank device 130 can have a communication unit (not shown), a storage unit (not shown), and a processing unit (not shown). .

The communication unit is used to transmit and receive the operation signals of the user. In an embodiment, the communication unit is implemented by using a communication chip, which can support Global System for Mobile communication (GSM), Personal Handy-phone System (PHS), and code. Code Division Multiple Access (CDMA) system, Wideband Code Division Multiple Access (WCDMA) system, Long Term Evolution (LTE) system, Worldwide interoperability for Microwave Access, WiMAX), Wireless Fidelity (Wi-Fi) system or Bluetooth signal transmission components.

The storage unit can be any type of fixed or removable random access memory (RAM), read-only memory (ROM), flash memory, hard disk ( Hard Disk Drive (HDD), solid state drive (SSD) or similar components or a combination of the above.

In the client device 120 and the bank device 130, the processing unit is connected to the communication unit and the storage unit. The processing unit can be a central processing unit (CPU), or other programmable general purpose or special purpose microprocessor (Microprocessor), digital signal processor (DSP), and can be programmed. The controller, the Application Specific Integrated Circuit (ASIC) or the like or a combination of the above elements, the disclosure is not limited thereto.

The public blockchain 110 has features such as decentralization, anonymity, non-destructive modification, traceability, and encryption security. When accessing the public blockchain 110, each user must generate a key pair, including a private key and a public key. The private key is kept secret by the user and the public key is published on the network. The user encrypts the message with his private key, and the message receiving end decrypts the message with the public key and confirms the user who sent the message.

In an embodiment, financial information for all customers may be recorded on the public blockchain 110. When the client device 120 performs a financial operation, the customer profile corresponding to the financial operation is recorded on the public blockchain. For example, when financial operations such as opening an account, receiving cash, remittances, or changing customer profiles, these financial operations are raised in the public blockchain. These financial information can be shared with multiple banks, so when a customer has unusual financial operations, multiple banks can learn about this message and take further precautions. It is worth noting that the public blockchain can also be applied to regulation technology.

2 is a flow chart of a method for applying to a financial information processing system in accordance with an embodiment of the present invention.

Referring to FIG. 2, in step S201, the client performs an account opening operation through the client device 120 or establishes a business relationship with the bank. When the customer performs the financial operation, the corresponding customer data is recorded on the public blockchain 110.

In step S202, the bank device 130 collects customer data and performs identity identification based on the customer data.

If the identity identification result classifies the customer profile as an individual, in step S203, the personal basic information is obtained based on the customer due diligence. Personal basic information includes Chinese and English names, identity card size, date of birth, address, nationality, occupation. At the same time, the account and transaction data will also be reviewed.

If the identity identification result classifies the customer data as a legal person or an unincorporated group, in step S204, basic information of the legal person or the unincorporated group is obtained according to the customer due diligence. The basic information of a legal person or unincorporated group includes the Chinese and English names, the unified number, the senior management personnel, the person in charge, and the organization profile. At the same time, the account and transaction data will also be reviewed, such as account opening, business, and expected transaction amount.

In step S205, the bank side device 130 performs a list check operation on the customer data.

In step S206, the bank side device 130 determines the risk level based on the result of the list check operation.

In step S207, the bank side device 130 determines whether the risk level is greater than a threshold value. That is, the bank side device 130 determines whether the customer is a high risk customer.

If the customer is not a high-risk customer, in step S208, the business is accepted and the job is completed.

If the customer is a high risk customer, in step S209, the bank terminal device 130 performs enhanced due diligence on the customer profile. For example, investigate the source of wealth for this client. If the customer is not a personal household, it is also necessary to investigate the nature of the business (for example, major goods or services), major exporting countries, and countries where the customers are located.

In step S210, it is judged based on the result of the enhanced due diligence that the job is to be completed or the customer is refused to accept.

In summary, the novel financial information processing system provides a client device to record customer data in a public blockchain, so that the bank device obtains customer data on the public blockchain to determine the customer's risk level. The bank-side device performs identity identification based on the client data and classifies the customer into individuals, corporate bodies, or unincorporated groups based on the identity identification results. The bank-side device also performs a list check operation on the customer data to determine the customer's risk level. If the customer's risk level is greater than the threshold, the bank device will strengthen the due diligence of the customer data. In this way, the problem of lack of immediacy in the financial industry data can be solved, and information integrity and data synchronization can be increased, while labor costs, operational efficiency, and customer satisfaction are saved.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the novel creation, and any person skilled in the art can make some changes without departing from the spirit and scope of the novel creation. Retouching, the scope of protection of this new creation is subject to the definition of the scope of the patent application attached.

100‧‧‧Financial Information Processing System

110‧‧‧ Public blockchain

120‧‧‧Client device

130‧‧‧Bank-side device

Steps of S201~S210‧‧‧Methods applied to financial information processing systems

1 is a block diagram of a financial information processing system in accordance with an embodiment of the present invention. 2 is a flow chart of a method for applying to a financial information processing system in accordance with an embodiment of the present invention.

Claims (7)

A financial information processing system comprising: a public blockchain, recording a financial information; a client device coupled to the public blockchain; and a bank device coupled to the public blockchain, wherein the client The end device performs a financial operation to record a customer profile on the public blockchain, the bank end device obtaining the customer profile and determining a risk level corresponding to the customer profile. The financial information processing system of claim 1, wherein the bank device performs an identity identification based on the customer data. The financial information processing system of claim 2, wherein the bank device classifies the customer data into a person, a body corporate or an unincorporated group based on the result of the identity identification. The financial information processing system of claim 2, wherein the identity identification is performed according to a Customer Due Diligence (CDD). The financial information processing system of claim 2, wherein after the identity is identified, the bank device performs a list check operation on the customer data. The financial information processing system of claim 5, wherein the bank device determines the risk level based on a result of the list checking operation. The financial information processing system of claim 1, wherein if the risk level is greater than a threshold, the bank device performs an Enhanced Due Diligence on the customer data.