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A bank customer due diligence method and system

A customer and bank technology, applied in the field of data processing, can solve the problems that judgment conclusions are affected by subjective factors, operators have high competence and training requirements, etc., to improve the efficiency of analysis and judgment, save human resources, and ease workload.

Inactive Publication Date: 2019-02-19
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Usually, it takes at least 10 minutes for the agent to review a customer, and the reviewer needs to spend 3-5 minutes for the review. The requirements for the ability and training of the operator are relatively high, and the final judgment is affected by subjective factors.

Method used

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  • A bank customer due diligence method and system
  • A bank customer due diligence method and system
  • A bank customer due diligence method and system

Examples

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Embodiment Construction

[0050] The following will clearly and completely describe the technical solutions in the embodiments of the application with reference to the drawings in the embodiments of the application. Apparently, the described embodiments are only some of the embodiments of the application, not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the scope of protection of this application.

[0051] Such as figure 1 As shown, the method flow chart of Embodiment 1 of a bank customer due diligence method provided for the application, the method may include the following steps:

[0052] S101. Collect the identity information of the target bank customer, and make a portrait of the identity information;

[0053] When it is necessary to conduct due diligence on bank customers, first collect the identity information of the target bank customer, and process the portrait of the ...

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Abstract

A bank customer due diligence method and system are disclosed. The method includes: collecting the identity information of the target bank customer, portraying the identity information, collecting thetarget bank customer holding account information, portraying the holding account information, analyzing the identity information and the holding account information after the portrait, and outputtingthe customer due diligence investigation results of the target bank. The application can automatically conduct due diligence on bank customers, which effectively alleviates the workload of front-linecompliance personnel, greatly improves the analysis and judgment efficiency of due diligence, and saves human resources compared with the existing manual investigation mode.

Description

technical field [0001] The present application relates to the technical field of data processing, and in particular to a method and system for bank customer due diligence. Background technique [0002] Bank customer due diligence requires banks to obtain all necessary information to satisfy them about the identity of the customer and the purpose and nature of their business relationship. The level of detail depends on the type of applicant, the expected amount of their account, and the type of financial instrument used. In the part of continuous monitoring of accounts and transactions, only when bank compliance personnel have a real understanding of the normal and reasonable account behaviors of their customers, so as to identify transactions that deviate from the normal account behavior patterns, can they effectively control and reduce risks and reveal cover-up identities , Purposeful trading behavior. [0003] Traditional due diligence requires compliance personnel to und...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 段煜君杨玉华刘培培
Owner BANK OF CHINA
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