Business compliance investigation method, electronic device and readable storage medium

Abstract

The application discloses a business compliance investigation method, an electronic device and a readable storage medium, and relates to the technical field of data processing. The business compliance investigation method comprises the following steps: acquiring business information of a business to be investigated; matching the business information with a preset compliance investigation rule table to determine a target compliance investigation rule corresponding to the business to be investigated; and performing compliance investigation on the business to be investigated according to the target compliance investigation rule and the business information, and obtaining an investigation result. The application solves the problem of low investigation accuracy of the existing compliance investigation mode.

Description

Technical Field

[0001] This application relates to the field of data processing technology, and in particular to a business compliance screening method, electronic device, and readable storage medium. Background Technology

[0002] Enterprise compliance risk assessment involves using internal and external data to examine the compliance of business activities of an enterprise and its members. Currently, when conducting compliance assessments of relevant business operations, technical personnel typically determine the external data interfaces to be invoked based on the business requirements. These interfaces are then used to introduce relevant compliance rules for the assessment. However, due to differences in understanding or development issues during the integration of different business processes, different technical personnel may arrive at different results for the same compliance risk assessment, resulting in low accuracy of existing compliance assessment methods. Summary of the Invention

[0003] The main purpose of this application is to provide a business compliance screening method, device, electronic device and readable storage medium, which aims to solve the technical problem of low screening accuracy of existing compliance screening methods.

[0004] To achieve the above objectives, this application provides a business compliance screening method, which includes:

[0005] Obtain business information for the business to be investigated;

[0006] The business information is matched with a preset compliance screening rule table to determine the target compliance screening rule corresponding to the business to be screened;

[0007] Based on the target compliance investigation rules and the business information, a compliance investigation is conducted on the business to be investigated, and the investigation results are obtained.

[0008] Optionally, the step of matching the business information with a preset compliance screening rule table to determine the target compliance screening rule corresponding to the business to be screened includes:

[0009] Find the initial compliance check rule corresponding to the business information in the compliance check rule table;

[0010] If the initial compliance check rule is in the enabled state, then the initial compliance check rule will be used as the target compliance check rule for the business to be checked.

[0011] If the initial compliance check rule is disabled, the backup compliance check rule associated with the initial compliance check rule will be used as the target compliance check rule for the business to be checked.

[0012] Optionally, the target compliance screening rules include screening items and screening conditions. The step of conducting compliance screening on the business to be screened based on the target compliance screening rules and the business information to obtain screening results includes:

[0013] Filter out the item values ​​corresponding to the investigation items from the business information;

[0014] If the project value meets the investigation conditions, the investigation result of business compliance is obtained;

[0015] If the project value does not meet the investigation conditions, the investigation result of business violation is obtained.

[0016] Optionally, before the step of obtaining the business information of the business to be investigated, the business compliance investigation method further includes:

[0017] Obtain the first compliance investigation data detail file of the target data source, use the first compliance investigation data detail file as the target compliance investigation data detail file, and obtain the detail information extraction rules. The target compliance investigation data detail file includes the information of each compliance investigation data under each preset field, and the detail information extraction rules include the fields to be extracted.

[0018] By extracting the information of each compliance investigation data under the field to be extracted from the target compliance investigation data detail file, the target compliance investigation rule detail information is obtained;

[0019] The fields to be extracted are used as table headers, and the compliance investigation rule table is set according to the correspondence between the fields to be extracted and the target compliance investigation rule details.

[0020] Optionally, the step of obtaining the target compliance investigation rule details by extracting information from the target compliance investigation data details file under the fields to be extracted for each compliance investigation data includes:

[0021] By extracting the information of each compliance investigation data under the field to be extracted from the target compliance investigation data detail file, the initial compliance investigation rule detail information is obtained;

[0022] The initial compliance screening rule details are cleaned to obtain the target compliance screening rule details.

[0023] Optionally, before the step of using the field to be extracted as the table header and setting the compliance investigation rule table according to the correspondence between the field to be extracted and the target compliance investigation rule details, the business compliance investigation method further includes:

[0024] If the field type to which the field to be extracted belongs is a required field, then verify whether the target compliance investigation rule details information corresponding to the field to be extracted is empty;

[0025] If not, then execute the steps of using the field to be extracted as the table header and setting the compliance investigation rule table according to the correspondence between the field to be extracted and the target compliance investigation rule details;

[0026] If so, a pop-up window will be displayed in the compliance check rule configuration interface, wherein the pop-up window bar containing the pop-up window information is set with a detailed file switching indicator;

[0027] In response to a trigger operation on the detail file switching identifier, switch to a new target data source;

[0028] Obtain the second compliance investigation data detail file of the new target data source, use the second compliance investigation data detail file as the target compliance investigation data detail file, and return to execute the step of extracting the information of each compliance investigation data under the field to be extracted from the target compliance investigation data detail file to obtain the target compliance investigation rule detail information.

[0029] Optionally, the compliance screening rule configuration interface includes a full compliance screening item configuration sub-interface, a scenario configuration sub-interface, a scenario screening item configuration sub-interface, and a branch personalized configuration sub-interface. The full compliance screening item configuration sub-interface, the scenario configuration sub-interface, the scenario screening item configuration sub-interface, and the branch personalized configuration sub-interface are all equipped with rule editing identifiers.

[0030] Optionally, after the steps of using the field to be extracted as the table header and setting the compliance investigation rule table according to the correspondence between the field to be extracted and the target compliance investigation rule details, the business compliance investigation method further includes:

[0031] At preset intervals, obtain the actual hit frequency of each compliance check rule in the compliance check rule table;

[0032] For any of the compliance screening rules, if the actual hit frequency of the compliance screening rule is greater than the theoretical hit frequency corresponding to the compliance screening rule, then the invocation status of the compliance screening rule is adjusted to the disabled state.

[0033] If the actual hit frequency of the compliance check rule is less than or equal to the theoretical hit frequency of the compliance check rule, then the call status of the compliance check rule remains enabled.

[0034] This application also provides a business compliance screening device, the business compliance screening device comprising:

[0035] The acquisition module is used to acquire business information of the business to be investigated.

[0036] The matching module is used to match the business information with a preset compliance investigation rule table to determine the target compliance investigation rule corresponding to the business to be investigated.

[0037] The investigation module is used to conduct compliance investigations on the business to be investigated based on the target compliance investigation rules and the business information, and obtain the investigation results.

[0038] This application also provides an electronic device, which is a physical device, comprising: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, which are executed by the at least one processor to enable the at least one processor to perform the steps of the business compliance screening method described above.

[0039] This application also provides a readable storage medium, which is a computer-readable storage medium, on which a program implementing the business compliance screening method is stored. The program implementing the business compliance screening method is executed by a processor to implement the steps of the business compliance screening method as described above.

[0040] This application also provides a computer program product, including a computer program that, when executed by a processor, implements the steps of the business compliance screening method described above.

[0041] This application provides a business compliance screening method. First, it obtains the business information of the business to be screened. Then, it matches this business information with a pre-set compliance screening rule table to determine the target compliance screening rule corresponding to the business. Next, based on the target compliance screening rule and the business information, it performs a compliance screening of the business to obtain the screening result. This application configures all business information and its corresponding compliance screening rules uniformly in the same table, i.e., uniformly in the compliance screening rule table. Therefore, when a business needs to undergo compliance screening, by obtaining the business information, the corresponding target compliance screening rule can be matched to the compliance screening rule table, and the compliance screening of the business can be achieved through the target compliance screening rule. The entire compliance screening process is automatic and does not require manual intervention, avoiding the technical defects caused by differences in understanding among different technical personnel leading to different compliance screening results. This solves the technical problem of low screening accuracy in existing compliance screening methods and improves the accuracy of compliance screening. Attached Figure Description

[0042] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application.

[0043] To more clearly illustrate the technical solutions in the embodiments of this application or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, for those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0044] Figure 1 A flowchart illustrating the first embodiment of the compliance screening method for this application;

[0045] Figure 2 A flowchart illustrating the second embodiment of the compliance screening method for this application;

[0046] Figure 3 This is a schematic diagram of the architecture of the compliance screening rule table configuration system before the improvement provided in Embodiment 2 of this application;

[0047] Figure 4 A schematic diagram of the improved architecture of the compliance screening rule table configuration system provided in Embodiment 2 of this application;

[0048] Figure 5 A schematic diagram of the interface for configuring the full compliance check items provided in Embodiment 2 of this application;

[0049] Figure 6 A schematic diagram of the scene configuration sub-interface provided in Embodiment 2 of this application;

[0050] Figure 7 A schematic diagram of the sub-interface for configuring scene investigation items provided in Embodiment 2 of this application;

[0051] Figure 8 This is a schematic diagram of the branch personalized configuration sub-interface provided in Embodiment 2 of this application;

[0052] Figure 9 This is a schematic diagram of the execution flow of a compliance screening rule before its improvement, provided in Embodiment 2 of this application.

[0053] Figure 10 This is a schematic diagram of the improved execution flow of a compliance screening rule provided in Embodiment 2 of this application;

[0054] Figure 11 This is a schematic diagram of the module structure of the business compliance screening device in an embodiment of this application;

[0055] Figure 12 This is a schematic diagram of the device structure of the hardware operating environment involved in the business compliance investigation method in this application embodiment.

[0056] The purpose, features, and advantages of this application will be further explained in conjunction with the embodiments and with reference to the accompanying drawings. Detailed Implementation

[0057] To make the above-mentioned objects, features, and advantages of the present invention more apparent and understandable, the technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0058] Example 1

[0059] Enterprise compliance risk assessment involves using internal and external data to examine the compliance of business activities of an enterprise and its members. Currently, when conducting compliance assessments of relevant business operations, technical personnel typically determine the external data interfaces to be invoked based on the business requirements. These interfaces are then used to introduce relevant compliance rules for the assessment. However, due to differences in understanding or development issues during the integration of different business processes, different technical personnel may arrive at different results for the same compliance risk assessment, resulting in low accuracy of existing compliance assessment methods.

[0060] Based on this, this application proposes a business compliance screening method according to the first embodiment. Please refer to [link / reference]. Figure 1 The business compliance screening methods include:

[0061] Step S10: Obtain business information of the business to be investigated;

[0062] It should be noted that the business to be investigated refers to the business that requires compliance risk assessment. The number of businesses to be investigated can be one or more; this embodiment does not limit this. The business information refers to the relevant attribute information and information contained within the business to be investigated, which may include the company name, legal representative name, legal representative identification number, business number, business type, and business name. The business information can be obtained from the platform where the company is located or from a cloud data terminal connected to the platform; this embodiment does not limit this either.

[0063] Step S20: Match the business information with a preset compliance investigation rule table to determine the target compliance investigation rule corresponding to the business to be investigated;

[0064] It should be noted that the compliance investigation rule table records the correspondence between different business information and compliance investigation rules. The compliance investigation rules record the investigation items and investigation conditions. The investigation items refer to the items that need to be investigated, and the investigation conditions are used to determine whether the investigated items meet the conditions. The target compliance investigation rule refers to the compliance investigation rule that matches the business information of the business to be investigated and whose call status is enabled. The target compliance investigation rule is used to conduct compliance investigations on the business to be investigated.

[0065] Step S30: Based on the target compliance investigation rules and the business information, conduct a compliance investigation on the business to be investigated to obtain the investigation results.

[0066] It should be noted that the investigation results include information indicating whether the business under investigation is compliant or non-compliant. The target compliance investigation rules may include multiple investigation items and conditions, and each investigation item may have a priority. Therefore, during compliance investigation, the investigation items within the business to be investigated should be conducted sequentially according to their priority. If any investigation item fails to meet its corresponding conditions during the investigation process, a non-compliant result is obtained. If all investigation items meet their corresponding conditions, a compliant result is obtained.

[0067] As an example, the target compliance screening rule includes a first screening item, a first screening condition, a second screening item, and a second screening condition. The step of conducting a compliance screening of the business to be screened based on the target compliance screening rule and the business information to obtain the screening result includes: filtering out the first item value corresponding to the first screening item from the business information; if the first item value does not meet the first screening condition, a business violation screening result is obtained; if the first item value meets the first screening condition, filtering out the second item value corresponding to the second screening item from the business information; if the second item value does not meet the second screening condition, a business violation screening result is obtained; if the second item value meets the second screening condition, a business violation screening result is obtained.

[0068] This application provides a business compliance screening method. First, it obtains the business information of the business to be screened. Then, it matches this business information with a preset compliance screening rule table to determine the target compliance screening rule corresponding to the business. Next, based on the target compliance screening rule and the business information, it performs a compliance screening of the business to be screened, thus obtaining the screening result. This application configures all business information and its corresponding compliance screening rules uniformly in the same table, i.e., uniformly in the compliance screening rule table. Therefore, when a business needs to be screened for compliance, by obtaining the business information, the corresponding target compliance screening rule can be matched to the compliance screening rule table, and the compliance screening of the business can be achieved through the target compliance screening rule. The entire compliance screening process is automatic and does not require manual intervention, avoiding the technical defect of different compliance screening results due to differences in understanding among different technical personnel. It solves the technical problem of low screening accuracy in existing compliance screening methods and improves the accuracy of compliance screening. Furthermore, since the entire compliance screening process does not require manual intervention, it reduces labor costs to a certain extent.

[0069] In one possible implementation, the step of matching the business information with a preset compliance screening rule table to determine the target compliance screening rule corresponding to the business to be screened includes:

[0070] Step S21: Locate the initial compliance check rule corresponding to the business information in the compliance check rule table;

[0071] It should be noted that the initial compliance screening rules refer to the compliance screening rules that match the business information in the compliance screening rules table.

[0072] Step S22: If the initial compliance investigation rule is in the enabled state, then the initial compliance investigation rule is used as the target compliance investigation rule corresponding to the business to be investigated.

[0073] It should be noted that the invocation status indicates whether the initial compliance screening rule can be used to conduct compliance screening of the business to be screened. The invocation status includes an enabled status and a disabled status. The enabled status indicates that the initial compliance screening rule can be used to conduct compliance screening of the business to be screened, and the disabled status indicates that the initial compliance screening rule cannot be used to conduct compliance screening of the business to be screened. It is understandable that in real-world scenarios, for a certain compliance screening rule, due to the enterprise's personalized needs, the regular compliance screening rule may not be able to accurately screen the corresponding business. In this case, its invocation status will be set to the disabled status. It may also be because the compliance screening rule has a configuration error during the configuration process, resulting in problematic screening results when the compliance screening rule is used multiple times. In this case, its invocation status will also be set to the disabled status. It may also be because the compliance screening rule has a high hit frequency, requiring relevant technical personnel to spend a lot of time verifying the screening results obtained by using the compliance screening rule.

[0074] Step S23: If the invocation status of the initial compliance check rule is disabled, then the backup compliance check rule associated with the initial compliance check rule is used as the target compliance check rule corresponding to the business to be checked.

[0075] It should be noted that the backup compliance screening rule is associated with the initial compliance screening rule and is a secondary option of the target compliance screening rule. The backup compliance screening rule can be a general rule, a rule configured by other data sources, or a rule flexibly set by the enterprise according to its own needs. This embodiment does not limit this.

[0076] In this embodiment, the initial compliance check rule corresponding to the business information is first searched in the compliance check rule table. Then, the target compliance check rule corresponding to the business to be checked is determined by judging the invocation status of the initial compliance check rule. If the invocation status of the initial compliance check rule is enabled, it means that the initial compliance check rule is not abnormal and can be used to perform compliance check on the business to be checked. In this case, the initial compliance check rule is used as the target compliance check rule. If the invocation status of the initial compliance check rule is disabled, it means that the initial compliance check rule is abnormal. If the initial compliance check rule is used to perform compliance check on the business to be checked, it is highly likely that an accurate check result cannot be obtained. Therefore, the initial compliance check rule cannot be used to perform compliance check on the business to be checked. To ensure the accuracy of compliance check, the backup compliance check rule associated with the initial compliance check result can be used as the target compliance check rule.

[0077] In one possible implementation, the target compliance screening rules include screening items and screening conditions. The step of conducting compliance screening on the business to be screened based on the target compliance screening rules and the business information to obtain screening results includes:

[0078] Step S31: Filter out the item values ​​corresponding to the investigation item from the business information;

[0079] It should be noted that the value in this project can be a specific data point, a dataset composed of multiple data points, a single value, or a range of values. This embodiment does not limit this.

[0080] Step S32: If the value of the project meets the investigation conditions, the investigation result of business compliance is obtained;

[0081] Step S33: If the value of the project does not meet the investigation conditions, the investigation result of the business violation is obtained.

[0082] In this embodiment, the project values ​​corresponding to the investigation items are first filtered out from the business information. Then, it is determined whether the project value meets the investigation conditions. If the project value meets the investigation conditions, it means that the business to be investigated has not violated the target compliance investigation rules, and the business compliance investigation result can be obtained. If the project value does not meet the investigation conditions, it means that the business to be investigated has violated the target compliance investigation rules, and the business violation investigation result can be obtained. Thus, this embodiment improves the efficiency of compliance investigation by filtering out the items to be investigated from the business information so as to quickly carry out business compliance investigation.

[0083] Example 2

[0084] Based on the first embodiment of this application, in another embodiment of this application, the same or similar content as in Embodiment 1 above can be referred to the above description, and will not be repeated hereafter. Based on this, please refer to... Figure 2 Before the step of obtaining the business information of the business to be investigated, the business compliance investigation method further includes:

[0085] Step S01: Obtain the first compliance investigation data detail file of the target data source, use the first compliance investigation data detail file as the target compliance investigation data detail file, and obtain the detail information extraction rules. The target compliance investigation data detail file includes the information of each compliance investigation data under each preset field, and the detail information extraction rules include the fields to be extracted.

[0086] It should be noted that the data source refers to the origin of the data. The data source can be external data from the People's Bank of China and the Public Security Bureau, data from multiple branches, wholesale customer data marts, etc. This embodiment uses one data source as an example to illustrate the business compliance screening method, and this data source is designated as the target data source for distinction. The compliance screening data detail file records detailed information about the compliance screening data under the target data source. The first compliance screening data detail file indicates the compliance screening data detail file obtained from the target data source in this embodiment, distinguishing it from the compliance screening data detail files mentioned in other embodiments. The target compliance screening data detail file indicates the compliance screening data detail file to be extracted from the fields to be extracted. These fields represent the specific fields under which each compliance screening data in the target compliance screening data detail file needs to be extracted. These preset fields can be the business scenario name, scenario manager, scenario validity, and the name of the screening project, etc.

[0087] Step S02: By extracting the information of each compliance investigation data under the field to be extracted from the target compliance investigation data detail file, the target compliance investigation rule detail information is obtained;

[0088] It should be noted that information on each compliance investigation data under the field to be extracted can be extracted from the target compliance investigation data details file, and the extracted information can be directly used as the target compliance investigation rule details information. Alternatively, the extracted information can be further filtered to obtain the target compliance investigation rule details information. This embodiment does not limit this.

[0089] Step S03: Use the field to be extracted as the table header, and set the compliance investigation rule table according to the correspondence between the field to be extracted and the target compliance investigation rule details.

[0090] In this embodiment, technical personnel can flexibly obtain detailed compliance investigation data files from relevant data sources according to actual compliance investigation needs. This allows for the unified aggregation of compliance investigation data from that data source into various compliance investigation rules, which are then stored in a compliance investigation rule table. This enables automatic configuration of the compliance investigation rule table, improving its configuration efficiency and accuracy. It also solves the technical problem that manually filling in compliance investigation rule tables by users is not only inefficient but also prone to data configuration errors leading to low accuracy. Furthermore, by uniformly aggregating compliance investigation rules into a compliance investigation rule table, it not only facilitates centralized management of compliance investigation rules by technical personnel but also ensures consistency of the same compliance investigation rules across all business scenarios.

[0091] As an example, please refer to Figure 3 and Figure 4 , Figure 3 A schematic diagram of the architecture of the compliance screening rule table configuration system before the improvement is provided. Figure 4 A schematic diagram of the improved architecture of the compliance screening rule table configuration system is provided. Figure 4 Compared to Figure 3The system encapsulates multiple APIs (Application Programming Interfaces) from the service layer to the scenario layer into a single API. This compliance check rule table configuration system comprises a data layer, a service layer, and a scenario layer. The data layer sends external data from the People's Bank of China and the Public Security Bureau, data from multiple branches, and compliance check item details from the wholesale customer data mart to the service layer. The service layer processes the obtained compliance check item details into four main types of compliance check items: business anomalies, anti-money laundering, anti-telecom fraud, and regionally personalized checks. Information including fields such as check item name, check item number, hit result, hit reason, and hit result list are extracted from each compliance check item to obtain multiple compliance check rules. These rules are then uniformly aggregated into a compliance check rule table. A unified API is used to associate this compliance check rule table with the scenario layer, allowing it to be called by various business scenarios such as enterprise account opening, account changes, and wallet activation. This example uses a unified API for the scenario layer, avoiding the technical drawbacks of requiring backend data development for each business scenario or individual scenario connection. This avoids the need for a separate API for each new investigation item, leading to an excessive number of APIs and potentially inconsistent output fields. This enables visualized and rapid unified configuration and management of compliance risk investigation items. Furthermore, this example avoids the high development costs associated with directly connecting different business scenarios or systems to the source data of compliance risk investigation items. It eliminates the need for repeatedly connecting to different source data for complex logical processing, reducing development costs and maintenance costs associated with future changes to the source configuration of investigation items.

[0092] In one possible implementation, the step of obtaining the target compliance investigation rule details by extracting information from the target compliance investigation data details file under the fields to be extracted for each compliance investigation data includes:

[0093] Step S021: By extracting the information of each compliance investigation data under the field to be extracted from the target compliance investigation data detail file, the initial compliance investigation rule detail information is obtained;

[0094] Step S022: Perform data cleaning processing on the initial compliance screening rule details to obtain the target compliance screening rule details.

[0095] It should be noted that the data cleaning process is used to correct identifiable errors in the initial compliance check rule details. This data cleaning process may include deleting duplicate values, deleting outliers, and handling missing values. When deleting outliers, sensitive words in the initial compliance check rule details can be deleted. These sensitive words can be set by the user or can be garbled words in the initial compliance check rule details. This embodiment does not limit this.

[0096] In this embodiment, information on each compliance investigation data under the field to be extracted is first extracted from the target compliance investigation data detail file to obtain initial compliance investigation rule details. Then, data cleaning processing is performed on the initial compliance investigation rule details to remove duplicate words, reduce redundant data space occupation, avoid resource waste, and remove sensitive words and garbled words to obtain processed target compliance investigation rule details. This avoids the technical problem of inaccurate investigation results when using the compliance investigation rules to conduct compliance investigations on related businesses due to non-standard compliance investigation rules recorded in the compliance investigation rule table.

[0097] In one possible implementation, before the step of using the field to be extracted as the table header and setting the compliance investigation rule table according to the correspondence between the field to be extracted and the target compliance investigation rule details, the business compliance investigation method further includes:

[0098] Step S031: If the field type to which the field to be extracted belongs is a necessary field, then verify whether the target compliance investigation rule details information corresponding to the field to be extracted is empty.

[0099] It should be noted that the field type of the field to be extracted includes necessary fields and unnecessary fields. The necessary fields are used to indicate that the target compliance check rule details information corresponding to the field to be extracted cannot be empty, while the unnecessary fields are used to indicate that the target compliance check rule details information corresponding to the field to be extracted can be empty. Users can flexibly set the field type of each field to be extracted according to their actual needs.

[0100] It is understandable that if the field to be extracted belongs to a required field type, it means that when mapping the field to be extracted to the compliance investigation rule table, the column in the table containing the field to be extracted is a required field, that is, the column in the table containing the field to be extracted cannot have empty values.

[0101] Step S032: If not, then execute the step of using the field to be extracted as the table header and setting the compliance investigation rule table according to the correspondence between the field to be extracted and the target compliance investigation rule details;

[0102] Step S033: If yes, then display pop-up information in the compliance check rule configuration interface, wherein the pop-up bar where the pop-up information is located is set with a detailed file switching indicator;

[0103] It should be noted that the detail file switching indicator is used to instruct technicians to switch data sources. The detail file switching indicator can be a slider or a button, and this embodiment does not limit it.

[0104] In the compliance review rule configuration interface, you can adjust the arrangement of each compliance review rule in the compliance review rule table according to the configured time order, and you can also filter the compliance review rules in the compliance review rule table according to the configured time order.

[0105] Step S034: In response to the triggering operation of the detail file switching identifier, switch to the new target data source;

[0106] Step S035: Obtain the second compliance investigation data detail file of the new target data source, use the second compliance investigation data detail file as the target compliance investigation data detail file, and return to execute the step of extracting the information of each compliance investigation data under the field to be extracted from the target compliance investigation data detail file to obtain the target compliance investigation rule detail information.

[0107] It should be noted that the second compliance investigation data detail file is used to indicate the compliance investigation data detail file obtained from the target data source in this embodiment, so as to distinguish it from the compliance investigation data detail files mentioned in other embodiments.

[0108] In this embodiment, before setting up the compliance investigation rule table based on the correspondence between the field to be extracted and the target compliance investigation rule details, if the field to be extracted belongs to a required field, it is necessary to verify whether the target compliance investigation rule details corresponding to the field to be extracted are empty. If the target compliance investigation rule details corresponding to the field to be extracted are empty, a pop-up window needs to be displayed in the compliance investigation rule configuration interface. The pop-up window bar contains a detail file switching identifier. Then, in response to the triggering operation of the detail file switching identifier, the system switches to a new target data source to obtain a second compliance investigation data detail file from the new target data source. Then, the information under the field to be extracted is obtained from the second compliance investigation data detail file. This avoids the problem that the compliance investigation rule in the set compliance investigation rule table lacks a necessary field, resulting in low accuracy or even failure to perform compliance investigation when using the compliance investigation rule to investigate related businesses.

[0109] In one possible implementation, the compliance screening rule configuration interface includes a full compliance screening item configuration sub-interface, a scenario configuration sub-interface, a scenario screening item configuration sub-interface, and a branch personalized configuration sub-interface. Each of the full compliance screening item configuration sub-interface, the scenario configuration sub-interface, the scenario screening item configuration sub-interface, and the branch personalized configuration sub-interface is equipped with a rule editing identifier.

[0110] It should be noted that the full compliance review item configuration sub-interface is used to configure full atomic compliance review items, that is, compliance review rules for the most basic business scenarios. The scenario configuration sub-interface is used to configure compliance review rules for relevant business scenarios. The scenario review item configuration sub-interface is used to configure general compliance review rules. The branch personalized configuration sub-interface is used to configure compliance review rules for personalized business scenarios. The rule editing icon is used to edit the compliance review rules configured in the relevant interfaces. The editing operations include viewing the configured compliance review rules, inserting new compliance review rules, deleting existing compliance review rules, and modifying compliance review rules.

[0111] In this embodiment, by setting up a full compliance check item configuration sub-interface, a scenario configuration sub-interface, a scenario check item configuration sub-interface, and a branch personalized configuration sub-interface, and setting a rule editing icon in each sub-interface, relevant technical personnel can perform visual editing operations on the compliance check rules in the relevant interfaces, thereby improving the convenience of editing.

[0112] For example, please refer to Figure 5 , Figure 6 , Figure 7 and Figure 8 , Figure 5 A schematic diagram of a sub-interface for configuring full compliance check items is provided. Figure 6 A schematic diagram of a scene configuration sub-interface is provided. Figure 7 A schematic diagram of a scenario troubleshooting item configuration sub-interface is provided. Figure 8 A schematic diagram of a branch personalized configuration sub-interface is provided. The tables displayed in each interface are compliance investigation rule tables. It should be noted that the headers of each compliance investigation rule table are not limited to those shown in the diagram, and the content of each compliance investigation rule table is not limited to the content shown in the diagram.

[0113] In one possible implementation, after the steps of using the field to be extracted as the table header and setting the compliance investigation rule table according to the correspondence between the field to be extracted and the target compliance investigation rule details, the business compliance investigation method further includes:

[0114] Step S04: At preset intervals, obtain the actual hit frequency of each compliance check rule in the compliance check rule table;

[0115] It should be noted that the actual hit frequency refers to the number of times that the compliance screening rules actually detect non-compliant business activities within a certain time frame.

[0116] Step S05: For any of the compliance screening rules, if the actual hit frequency of the compliance screening rule is greater than the theoretical hit frequency corresponding to the compliance screening rule, then the calling status of the compliance screening rule is adjusted to the disabled state.

[0117] It should be noted that the theoretical hit frequency refers to the number of times that the compliance screening rules can theoretically detect non-compliant business activities within a certain time range, that is, the maximum hit frequency that the compliance screening rules can achieve under the condition that there are no abnormalities.

[0118] Understandably, if the actual hit frequency of a compliance check rule is greater than its theoretical hit frequency, it indicates that the hit frequency of the compliance check rule is too high. In this case, relevant technical personnel will need to spend a lot of time conducting on-site verification to check whether the compliance check rule is accurate in checking the relevant business during actual use. Therefore, in order to reduce the consumption of human resources and improve the accuracy of the check, it is necessary to first adjust the calling status of the compliance check rule to the disabled state.

[0119] The compliance check rules that are disabled can be compiled into a list and sent to the relevant technical personnel. The technical personnel can then analyze the problems of these compliance check rules, optimize and improve them, and replace the original compliance check rules recorded in the compliance check rule table with the optimized and improved compliance check rules.

[0120] Step S06: If the actual hit frequency of the compliance check rule is less than or equal to the theoretical hit frequency corresponding to the compliance check rule, then the call status of the compliance check rule remains enabled.

[0121] In this embodiment, at preset intervals, the actual hit frequency of each compliance check rule in the compliance check rule table is obtained. Then, the actual hit frequency of each compliance check rule is compared with its corresponding theoretical hit frequency. If the actual hit frequency of a compliance check rule is greater than its corresponding theoretical hit frequency, it indicates that the compliance check rule is abnormal and its invocation status needs to be adjusted to the disabled state to avoid a large number of error checks caused by continuing to use the compliance check rule and to avoid the consumption of human resources. This not only ensures the accuracy of compliance checks but also reduces human resource costs. If the actual hit frequency of a compliance check rule is less than or equal to the corresponding theoretical hit frequency, it indicates that the compliance check rule is not abnormal and can be used normally. At this time, the invocation status of the compliance check rule can continue to be kept in the enabled state.

[0122] For example, please refer to Figure 9 and Figure 10 , Figure 9 This is a schematic diagram of the execution process before a certain compliance review rule was improved. Figure 10 This is a schematic diagram of the improved execution process of the compliance screening rule. Suppose that a certain compliance screening rule has a screening item of "the legal representatives of two or more companies are the same natural person". The actual hit rate of this compliance screening rule is 15%, while the theoretical hit rate is 10%. It can be seen that the actual hit rate of the compliance screening rule is greater than the theoretical hit rate. Therefore, a judgment process of "whether it belongs to a normal customer with reasonable grounds" can be added to the execution process of this compliance screening rule, thereby reducing the actual hit rate of the compliance screening rule to 10%.

[0123] Example 3

[0124] This invention also provides a business compliance screening device, please refer to... Figure 11 The business compliance screening device includes:

[0125] Module 10 is used to acquire business information of the business to be investigated.

[0126] The matching module 20 is used to match the business information with a preset compliance investigation rule table to determine the target compliance investigation rule corresponding to the business to be investigated;

[0127] The investigation module 30 is used to conduct compliance investigation on the business to be investigated based on the target compliance investigation rules and the business information, and obtain the investigation results.

[0128] Optionally, the matching module 20 is further configured to:

[0129] Find the initial compliance check rule corresponding to the business information in the compliance check rule table;

[0130] If the initial compliance check rule is in the enabled state, then the initial compliance check rule will be used as the target compliance check rule for the business to be checked.

[0131] If the initial compliance check rule is disabled, the backup compliance check rule associated with the initial compliance check rule will be used as the target compliance check rule for the business to be checked.

[0132] Optionally, the target compliance screening rules include screening items and screening conditions, and the screening module 30 is further used for:

[0133] Filter out the item values ​​corresponding to the investigation items from the business information;

[0134] If the project value meets the investigation conditions, the investigation result of business compliance is obtained;

[0135] If the project value does not meet the investigation conditions, the investigation result of business violation is obtained.

[0136] Optionally, the business compliance screening device further includes:

[0137] Obtain the first compliance investigation data detail file of the target data source, use the first compliance investigation data detail file as the target compliance investigation data detail file, and obtain the detail information extraction rules. The target compliance investigation data detail file includes the information of each compliance investigation data under each preset field, and the detail information extraction rules include the fields to be extracted.

[0138] By extracting the information of each compliance investigation data under the field to be extracted from the target compliance investigation data detail file, the target compliance investigation rule detail information is obtained;

[0139] The fields to be extracted are used as table headers, and the compliance investigation rule table is set according to the correspondence between the fields to be extracted and the target compliance investigation rule details.

[0140] Optionally, the business compliance screening device further includes:

[0141] By extracting the information of each compliance investigation data under the field to be extracted from the target compliance investigation data detail file, the initial compliance investigation rule detail information is obtained;

[0142] The initial compliance screening rule details are cleaned to obtain the target compliance screening rule details.

[0143] Optionally, the business compliance screening device further includes:

[0144] If the field type to which the field to be extracted belongs is a required field, then verify whether the target compliance investigation rule details information corresponding to the field to be extracted is empty;

[0145] If not, then execute the steps of using the field to be extracted as the table header and setting the compliance investigation rule table according to the correspondence between the field to be extracted and the target compliance investigation rule details;

[0146] If so, a pop-up window will be displayed in the compliance check rule configuration interface, wherein the pop-up window bar containing the pop-up window information is set with a detailed file switching indicator;

[0147] In response to a trigger operation on the detail file switching identifier, switch to a new target data source;

[0148] Obtain the second compliance investigation data detail file of the new target data source, use the second compliance investigation data detail file as the target compliance investigation data detail file, and return to execute the step of extracting the information of each compliance investigation data under the field to be extracted from the target compliance investigation data detail file to obtain the target compliance investigation rule detail information.

[0149] Optionally, the compliance screening rule configuration interface includes a full compliance screening item configuration sub-interface, a scenario configuration sub-interface, a scenario screening item configuration sub-interface, and a branch personalized configuration sub-interface. The full compliance screening item configuration sub-interface, the scenario configuration sub-interface, the scenario screening item configuration sub-interface, and the branch personalized configuration sub-interface are all equipped with rule editing identifiers.

[0150] Optionally, the business compliance screening device further includes:

[0151] At preset intervals, obtain the actual hit frequency of each compliance check rule in the compliance check rule table;

[0152] For any of the compliance screening rules, if the actual hit frequency of the compliance screening rule is greater than the theoretical hit frequency corresponding to the compliance screening rule, then the invocation status of the compliance screening rule is adjusted to the disabled state.

[0153] If the actual hit frequency of the compliance check rule is less than or equal to the theoretical hit frequency of the compliance check rule, then the call status of the compliance check rule remains enabled.

[0154] The business compliance screening device provided by this invention, employing the business compliance screening method in Embodiment 1 or Embodiment 2 described above, can solve the technical problem of low screening accuracy in existing compliance screening methods. Compared with the prior art, the beneficial effects of the business compliance screening device provided by this invention are the same as those of the business compliance screening method provided in the above embodiments, and other technical features in the business compliance screening device are the same as those disclosed in the previous embodiment method, and will not be repeated here.

[0155] Example 4

[0156] This invention provides an electronic device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, which are executed by the at least one processor to enable the at least one processor to perform the business compliance screening method in Embodiment 1 above.

[0157] The following is for reference. Figure 12 The diagram illustrates a structural schematic of an electronic device suitable for implementing embodiments of the present disclosure. The electronic devices in the embodiments of the present disclosure may include, but are not limited to, mobile terminals such as mobile phones, laptops, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), in-vehicle terminals (e.g., in-vehicle navigation terminals), and fixed terminals such as digital TVs and desktop computers. Figure 12 The electronic device shown is merely an example and should not be construed as limiting the functionality and scope of the embodiments disclosed herein.

[0158] like Figure 12As shown, the electronic device may include a processing unit 1001 (e.g., a central processing unit, a graphics processing unit, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 1002 or a program loaded from a storage device 1003 into a random access memory (RAM) 1004. The RAM 1004 also stores various programs and data required for the operation of the electronic device. The processing unit 1001, ROM 1002, and RAM 1004 are interconnected via a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Typically, the following systems can be connected to the I / O interface 1006: input devices 1007 including, for example, touchscreens, touchpads, keyboards, mice, image sensors, microphones, accelerometers, gyroscopes, etc.; output devices 1008 including, for example, liquid crystal displays (LCDs), speakers, vibrators, etc.; storage devices 1003 including, for example, magnetic tapes, hard disks, etc.; and communication devices 1009. Communication device 1009 allows electronic devices to communicate wirelessly or wiredly with other devices to exchange data. While electronic devices with various systems are shown in the figures, it should be understood that implementation or possession of all the systems shown is not required. More or fewer systems may be implemented alternatively.

[0159] In particular, according to embodiments of this disclosure, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments of this disclosure include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via a communication device, or installed from storage device 1003, or installed from ROM 1002. When the computer program is executed by processing device 1001, it performs the functions defined in the methods of embodiments of this disclosure.

[0160] The electronic device provided by this invention, employing the business compliance screening method described in the above embodiments, can solve the technical problem of low accuracy in existing compliance screening methods. Compared with the prior art, the beneficial effects of the electronic device provided by this invention are the same as those of the business compliance screening method described in the above embodiments, and other technical features of this electronic device are the same as those disclosed in the previous embodiment method, and will not be repeated here.

[0161] It should be understood that various parts of this disclosure can be implemented using hardware, software, firmware, or a combination thereof. In the description of the above embodiments, specific features, structures, materials, or characteristics may be combined in any suitable manner in one or more embodiments or examples.

[0162] The above description is merely a specific embodiment of the present invention, but the scope of protection of the present invention is not limited thereto. Any variations or substitutions that can be easily conceived by those skilled in the art within the technical scope disclosed in the present invention should be included within the scope of protection of the present invention. Therefore, the scope of protection of the present invention should be determined by the scope of the claims.

[0163] Example 5

[0164] This invention provides a computer-readable storage medium having computer-readable program instructions stored thereon, which are used to execute the business compliance screening method in Embodiment 1 above.

[0165] The computer-readable storage medium provided in this embodiment of the invention may be, for example, a USB flash drive, but is not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or any combination thereof. More specific examples of a computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof. In this embodiment, the computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, system, or device. The program code contained on the computer-readable storage medium may be transmitted using any suitable medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination thereof.

[0166] The aforementioned computer-readable storage medium may be included in an electronic device or may exist independently without being assembled into an electronic device.

[0167] The aforementioned computer-readable storage medium carries one or more programs. When the aforementioned one or more programs are executed by an electronic device, the electronic device causes the electronic device to: acquire business information of the business to be investigated; match the business information with a preset compliance investigation rule table to determine the target compliance investigation rule corresponding to the business to be investigated; and perform compliance investigation on the business to be investigated based on the target compliance investigation rule and the business information to obtain the investigation result.

[0168] Computer program code for performing the operations of this disclosure can be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, and C++, and conventional procedural programming languages ​​such as the "C" language or similar programming languages. The program code can be executed entirely on the user's computer, partially on the user's computer, as a standalone software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In cases involving remote computers, the remote computer can be connected to the user's computer via any type of network—including a local area network (LAN) or a wide area network (WAN)—or can be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0169] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of the present invention. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, can be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0170] The modules described in the embodiments of this disclosure can be implemented in software or hardware. The names of the modules do not necessarily limit the functionality of the unit itself.

[0171] The readable storage medium provided by this invention is a computer-readable storage medium that stores computer-readable program instructions for executing the above-described business compliance screening method, thereby solving the technical problem of low screening accuracy in existing compliance screening methods. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided in this embodiment are the same as the beneficial effects of the business compliance screening method provided in Embodiment 1 or Embodiment 2, and will not be repeated here.

[0172] Example 6

[0173] This invention also provides a computer program product, including a computer program that, when executed by a processor, implements the steps of the business compliance screening method described above.

[0174] The computer program product provided in this application can solve the technical problem of low accuracy in existing compliance screening methods. Compared with the prior art, the beneficial effects of the computer program product provided in this embodiment are the same as those of the business compliance screening methods provided in Embodiment 1 or Embodiment 2 above, and will not be repeated here.

[0175] The above are merely preferred embodiments of this application and do not limit the patent scope of this application. Any equivalent structural or procedural transformations made using the content of this application's specification and drawings, or direct or indirect applications in other related technical fields, are similarly included within the patent scope of this application.

Claims

1. A business compliance screening method, characterized in that, The business compliance verification methods include: Obtain business information for the business to be investigated; The business information is matched with a preset compliance screening rule table to determine the target compliance screening rule corresponding to the business to be screened; Based on the target compliance screening rules and the business information, a compliance screening is conducted on the business to be screened, and the screening results are obtained. The step of matching the business information with a preset compliance screening rule table to determine the target compliance screening rule corresponding to the business to be screened includes: Find the initial compliance check rule corresponding to the business information in the compliance check rule table; If the initial compliance check rule is in the enabled state, then the initial compliance check rule will be used as the target compliance check rule for the business to be checked. If the invocation status of the initial compliance check rule is disabled, then the backup compliance check rule associated with the initial compliance check rule will be used as the target compliance check rule for the business to be checked. Prior to the step of obtaining the business information of the business to be investigated, the business compliance investigation method further includes: Obtain the first compliance investigation data detail file of the target data source, use the first compliance investigation data detail file as the target compliance investigation data detail file, and obtain the detail information extraction rules. The target compliance investigation data detail file includes the information of each compliance investigation data under each preset field, and the detail information extraction rules include the fields to be extracted. By extracting the information of each compliance investigation data under the field to be extracted from the target compliance investigation data detail file, the target compliance investigation rule detail information is obtained; The fields to be extracted are used as table headers, and the compliance investigation rule table is set according to the correspondence between the fields to be extracted and the target compliance investigation rule details.

2. The business compliance screening method as described in claim 1, characterized in that, The target compliance screening rules include screening items and screening conditions. The step of conducting compliance screening on the business to be screened based on the target compliance screening rules and the business information to obtain the screening results includes: Filter out the item values ​​corresponding to the investigation items from the business information; If the project value meets the investigation conditions, the investigation result of business compliance is obtained; If the project value does not meet the investigation conditions, the investigation result of business violation is obtained.

3. The business compliance screening method as described in claim 1, characterized in that, The step of extracting information from the target compliance investigation data details file under the fields to be extracted for each compliance investigation data to obtain the target compliance investigation rule details includes: By extracting the information of each compliance investigation data under the field to be extracted from the target compliance investigation data detail file, the initial compliance investigation rule detail information is obtained; The initial compliance screening rule details are cleaned to obtain the target compliance screening rule details.

4. The business compliance screening method as described in claim 1, characterized in that, Before the step of using the field to be extracted as the table header and setting the compliance investigation rule table according to the correspondence between the field to be extracted and the target compliance investigation rule details, the business compliance investigation method further includes: If the field type to which the field to be extracted belongs is a required field, then verify whether the target compliance investigation rule details information corresponding to the field to be extracted is empty; If not, then execute the steps of using the field to be extracted as the table header and setting the compliance investigation rule table according to the correspondence between the field to be extracted and the target compliance investigation rule details; If so, a pop-up window will be displayed in the compliance check rule configuration interface, wherein the pop-up window bar containing the pop-up window information is set with a detailed file switching indicator; In response to a trigger operation on the detail file switching identifier, switch to a new target data source; Obtain the second compliance investigation data detail file of the new target data source, use the second compliance investigation data detail file as the target compliance investigation data detail file, and return to execute the step of extracting the information of each compliance investigation data under the field to be extracted from the target compliance investigation data detail file to obtain the target compliance investigation rule detail information.

5. The business compliance screening method as described in claim 4, characterized in that, The compliance screening rule configuration interface includes a full compliance screening item configuration sub-interface, a scenario configuration sub-interface, a scenario screening item configuration sub-interface, and a branch personalized configuration sub-interface. The full compliance screening item configuration sub-interface, the scenario configuration sub-interface, the scenario screening item configuration sub-interface, and the branch personalized configuration sub-interface are all equipped with rule editing icons.

6. The business compliance screening method as described in claim 1, characterized in that, After the steps of using the field to be extracted as the table header and setting the compliance investigation rule table according to the correspondence between the field to be extracted and the target compliance investigation rule details, the business compliance investigation method further includes: At preset intervals, obtain the actual hit frequency of each compliance check rule in the compliance check rule table; For any of the compliance screening rules, if the actual hit frequency of the compliance screening rule is greater than the theoretical hit frequency corresponding to the compliance screening rule, then the invocation status of the compliance screening rule is adjusted to the disabled state. If the actual hit frequency of the compliance check rule is less than or equal to the theoretical hit frequency of the compliance check rule, then the call status of the compliance check rule remains enabled.

7. An electronic device, characterized in that, The electronic device includes: At least one processor; and, A memory communicatively connected to the at least one processor; wherein, The memory stores instructions that can be executed by the at least one processor, which, when executed by the at least one processor, enables the at least one processor to perform the steps of the business compliance screening method as described in any one of claims 1 to 6.

8. A readable storage medium, characterized in that, The readable storage medium is a computer-readable storage medium, and the computer-readable storage medium stores a program that implements the business compliance investigation method. The program that implements the business compliance investigation method is executed by a processor to implement the steps of the business compliance investigation method as described in any one of claims 1 to 6.

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