Financial risk data management method

Abstract

The invention discloses a financial risk data governance method, which relates to the field of financial risk data governance, and comprises the following steps of: 1, connecting a terminal server, servo end equipment and client equipment in a communication way; 2, automatic examination and approval; 3, automatic treatment is carried out; and 4, carrying out batch automatic circulation. The financial risk data management method comprises the following steps: receiving batch approval configuration information input by a user from a visual page; the trigger rule is read from the batch examination and approval configuration information, so that a user can input personalized batch examination and approval configuration information on a visual page and use a visual interface, the use difficulty of the user can be greatly reduced, the usability of the system is improved, the visual configuration can improve the efficiency, the viscosity of the user to the system is increased, and the user experience is improved. And the implementation cost of the batch automatic approval flow can be saved. A user can configure an automatic batch approval function by himself / herself after simple training.

Description

Technical Field

[0001] The present invention relates to the field of financial risk data governance, and in particular to a financial risk data governance method. Background Art

[0002] In financial risk identification or prediction application systems, most of them use traditional or open source workflow engines to handle approval processes. The initiation and flow of processes require manual clicks to realize the flow, and batch process initiation and automatic flow are not supported. In financial risk identification or prediction applications, there will be a large number of approval forms in the process that need to be approved by the same person. Batch approval is mostly used when there are many identical processes in the to-do list that need to be approved.

[0003] For example, a financial risk identification system may hit a large number of suspicious transactions and generate a large number of suspicious reports. The financial risk identification system needs to automatically start the batch approval process.

[0004] Among a large number of abnormal transaction reports, there will be a large number of customers who are automatically rated as low-risk. For this type of low-risk financial risk data, there is actually no need for manual approval.

[0005] However, although the existing financial risk data approval method can be based on a preset workflow model for approval, it is unable to perform batch approval of financial risk data. It still requires manual, one-by-one approval of large quantities of financial risk data. This can easily lead to financial business risks that may be caused by approval delays, and cannot meet the regulatory time limit requirements of financial institutions, affecting the work efficiency of financial risk data approval.

[0006] Therefore, it is necessary to propose a financial risk data governance method to solve the above problems. Summary of the invention

[0007] The purpose of the present invention is to provide a financial risk data governance method to solve the problems raised in the above background technology.

[0008] To achieve the above-mentioned purpose, the present invention provides the following technical solution: a financial risk data governance method, serving a terminal server, a server-side device and each client device, comprising the following steps:

[0009] Step 1: Use wireless or wired network communication to connect the terminal server, server device and each client device;

[0010] The terminal server may receive the financial risk data approval instructions sent by each client device, and determine whether automatic approval is required based on whether the financial risk data approval instructions meet the target financial risk data of the preset triggering rules;

[0011] Step 2: Automatic approval. If the financial risk data approval instruction meets the target financial risk data of the preset triggering rules, the terminal server can be used to automatically approve the financial risk data approval instruction, and the result data of the automatic approval is sent to each client and server device;

[0012] The server-side device will check the result data of the automatic approval when it is available. If the data of the automatic approval is abnormal after being checked by the server-side device, the server-side device will be used to re-approve, reducing the record of errors in the automatic approval;

[0013] If the financial risk data approval instruction does not conform to the target financial risk data of the preset triggering rule, the financial risk data approval instruction data is sent to the server-end device; the server-end device gives priority to approving the financial risk data approval instruction data;

[0014] Step 3: Automatic governance, approving financial risk data approval instructions to identify whether its natural person and non-natural person customers have money laundering risks;

[0015] Storing target financial risk data instance tasks that meet preset trigger rules;

[0016] Periodically query whether the currently stored target financial risk data instance tasks meet the preset automatic approval conditions. If so, automatically batch-approve each currently stored target financial risk data instance task to obtain the corresponding batch approval result data;

[0017] Step 4: Batch automatic transfer, the terminal server receives the batch approval configuration information entered by the client device;

[0018] The terminal server pre-stores the review rules;

[0019] Once the batch approval configuration information entered by the client device meets the review rules, the customer will be automatically transferred from a high-risk customer to a low-risk customer;

[0020] When the client device is a low-risk customer, the financial risk data approval instruction can be sent to the terminal server normally. If the client is still judged as a high-risk customer, the financial risk data approval instruction cannot be sent to the terminal server.

[0021] Preferably, the terminal server comprises a computer terminal server device used by the server end;

[0022] The server-side devices include computers, mobile phones, and tablet devices used by the server;

[0023] The various client devices include computers, mobile phones, and tablet devices used by the client.

[0024] Preferably, the automatic approval in the second step is completed within one cycle.

[0025] Preferably, the main contents of whether there is a risk of money laundering in the third step include customer risk level assessment, customer suspicious transaction assessment, customer large transaction identification, and customer identity identification.

[0026] Preferably, the terminal server receives batch approval configuration information entered by the client device, including the names, identity information, face recognition information, transaction amount and date information, and transaction purpose information of both parties to the transaction.

[0027] Preferably, when the client device is a high-risk customer, batch approval configuration information is entered into the terminal server, and the terminal server is awaiting automatic approval and judgment, and financial risk data approval instructions are sent to the terminal server only when the client is judged to be a low-risk customer.

[0028] Preferably, automatic approval is performed using a visual interface.

[0029] Preferably, the client device configures an automated batch approval function by itself.

[0030] Preferably, the financial risk data governance method is applied to financial data governance.

[0031] Technical effects and advantages of the present invention:

[0032] 1. The financial risk data governance method of the present invention receives batch approval configuration information entered by the user from the visualization page; reads the trigger rules from the batch approval configuration information, so that the user can enter the personalized batch approval configuration information on the visualization page by himself. The use of a visualization interface can greatly reduce the user's difficulty of use and improve the ease of use of the system. Visual configuration can improve efficiency, increase user stickiness to the system, and save the implementation cost of batch automated approval flow. After simple training, users can configure the automated batch approval function by themselves.

[0033] 2. The financial risk data governance method of the present invention can shorten the time limit for final approval results through periodic approval. BRIEF DESCRIPTION OF THE DRAWINGS

[0034] Figure 1 This is a step diagram of the financial risk data management method of the present invention. DETAILED DESCRIPTION

[0035] The present invention provides Figure 1 The financial risk data governance method shown can be used in the technical field of financial risk data governance, and can also be used in any field except the field of financial risk data governance.

[0036] In the financial risk identification application systems of multiple industries, most of them use traditional or open source workflow engines to handle the approval process. The initiation and flow of the process require manual clicks to realize the flow, and do not support batch process initiation and automatic flow. In the financial risk identification application, there will be a large number of approval forms in the process that are submitted to the same person for approval. Batch approval is mostly used when there are many identical processes in the to-do list that need to be approved. If some not particularly important approvals are processed in batches, this can greatly improve work efficiency and workflow performance.

[0037] The financial risk data governance method specifically includes:

[0038] Step 1: Use wireless or wired network communication to connect the terminal server (computer terminal server device used by the server), server device (computer, mobile phone, tablet and other devices used by the server), and each client device (computer, mobile phone, tablet and other devices used by the client);

[0039] The terminal server may receive the financial risk data approval instructions sent by each client device, and determine whether automatic approval is required based on whether the financial risk data approval instructions meet the target financial risk data of the preset triggering rules;

[0040] Step 2: Automatic approval. If the financial risk data approval instruction meets the target financial risk data of the preset triggering rules, the terminal server can be used to automatically approve the financial risk data approval instruction, and the result data of the automatic approval is sent to each client and server device; the server device will check the result data of the automatic approval when it is available. If the automatically approved data is abnormal after being checked by the server device, the server device will be used to re-approve, reducing the record of errors in automatic approval;

[0041] If the financial risk data approval instruction does not conform to the target financial risk data of the preset triggering rule, the financial risk data approval instruction data is sent to the server-end device; the server-end device gives priority to approving the financial risk data approval instruction data.

[0042] In actual application, automatic approval may result in extreme situations where the approval data cycle is long or short; for example: Party A edits a financial risk data approval instruction and sends it to the terminal server for approval. The financial risk data approval instruction meets the target financial risk data of the preset trigger rules. The target financial risk data of the preset trigger rules is automatically approved by the terminal server, but during the subsequent verification process of the server-side device, it is found that the financial risk data approval instruction has an abnormality, and the financial risk data approval instruction is rejected for re-approval. The financial risk data approval instruction is queued for approval on the current server-side device, and the time limit for waiting for the final approval result is long; therefore, the present invention also provides a method for periodic approval, for example: setting the time limit for approval in sequence to seven days.

[0043] The financial risk data approval instructions sent by various client devices within seven days are collectively referred to as periodic instructions; when the periodic instructions are sent to the terminal server, those automatically approved by the terminal server are classified as one-time passed instructions; those automatically rejected by the terminal server are classified as one-time failed instructions.

[0044] Among them, the once-failed instructions are uniformly sent to the server-side device for manual approval and verification, and the once-passed instructions are also sent to the server-side device for review. The once-passed instructions are arranged in sequence after the current once-failed instructions according to the approval time. The approval of all current cycle instructions will be completed within seven days. No once-failed instruction will be arranged to the next cycle, which can shorten the time limit for the final approval result.

[0045] Step 3: Automatic governance. In the present invention, the ultimate purpose of approving financial risk data approval instructions is to identify whether its natural person and non-natural person customers have the risk of money laundering.

[0046] The main contents of the risk of money laundering include customer risk level assessment, customer suspicious transaction assessment, customer large transaction identification, customer identity identification, etc. After these risk topics are calculated through the model, a large number of model rating results, identification results, and suspicious transactions determined by the model need to be approved in batches. Normal manual approval cannot complete the batch approval work in a short time.

[0047] In order to solve the problems that the existing financial risk data approval method cannot batch approve financial risk data, which may easily lead to financial business risks caused by approval delays, cannot meet the regulatory time limit requirements of financial institutions, and affect the work efficiency of financial risk data approval, the present invention provides a financial risk data governance method, including the following steps:

[0048] Step 1: Store target financial risk data instance tasks that meet the preset trigger rules.

[0049] It is understandable that for large financial institutions, after a single-day batch execution model, the financial risk identification system may hit a large number of suspicious transactions and generate a large number of suspicious reports.

[0050] The financial risk identification system needs to automatically initiate the batch approval process.

[0051] A large number of abnormal transaction reports will automatically initiate the approval process, eliminating the need for manual operation. This greatly saves the working time of approval personnel, improves the work efficiency of approval and compliance personnel, and also improves the standardization of financial risk identification work.

[0052] Step 2: Periodically query whether the currently stored target financial risk data instance tasks meet the preset automatic approval conditions. If so, automatically batch-approve each currently stored target financial risk data instance task to obtain the corresponding batch approval result data.

[0053] It is understandable that in the field of financial risk identification, such as in customer risk rating scenarios, customers who meet the exemption conditions and those with low risks need to complete the review automatically.

[0054] In the customer risk rating scenario of large financial clients, there are a large number of customers who are automatically rated as low-risk every day. If these customers are reviewed manually, a lot of manpower and time will be wasted.

[0055] Therefore, the present invention completes the review of high-risk customers by batch automatic circulation.

[0056] The specific steps include:

[0057] Step 1: The terminal server receives the batch approval configuration information entered by the client device (including the names and identity information of both parties to the transaction; face recognition information, transaction amount and date information; purpose of the transaction, etc.).

[0058] Step 2: The terminal server pre-stores the review rules (if the batch approval configuration information entered by the client device meets the review rules, it will automatically change from a high-risk customer to a low-risk customer);

[0059] When the client device is a low-risk customer, the financial risk data approval instruction can be sent to the terminal server normally. If the client is still judged as a high-risk customer, the financial risk data approval instruction cannot be sent to the terminal server; thus reducing the time wasted on manual review.

[0060] It should be noted that for the setting of automatic batch approval, using a visual interface can greatly reduce the difficulty of use for users and improve the usability of the system. Visual configuration can improve efficiency, increase user stickiness to the system, and save the implementation cost of batch automated approval flow.

[0061] After simple training, users can configure the automated batch approval function themselves.

[0062] From the above description, it can be seen that the financial risk data governance method of the present invention receives batch approval configuration information entered by the user from the visualization page; reads the trigger rules from the batch approval configuration information, so that the user can enter the personalized batch approval configuration information on the visualization page by himself. The use of a visual interface can greatly reduce the user's difficulty of use and improve the ease of use of the system. Visual configuration can improve efficiency, increase user stickiness to the system, and save the implementation cost of batch automated approval flow. After simple training, users can configure the automated batch approval function by themselves.

[0063] The financial risk data governance method of the present invention can shorten the time limit for the final approval result through periodic approval.

Claims

1. A financial risk data governance method, serving terminal servers, server devices and various client devices, characterized in that: The following steps are involved: Step 1: Use wireless or wired network communication to connect the terminal server, server device and each client device; The terminal server may receive the financial risk data approval instructions sent by each client device, and determine whether automatic approval is required based on whether the financial risk data approval instructions meet the target financial risk data of the preset triggering rules; Step 2: Automatic approval. If the financial risk data approval instruction meets the target financial risk data of the preset triggering rules, the terminal server can be used to automatically approve the financial risk data approval instruction, and the result data of the automatic approval is sent to each client and server device; The server-side device will check the result data of the automatic approval when it is available. If the data of the automatic approval is abnormal after being checked by the server-side device, the server-side device will be used to re-approve, reducing the record of errors in the automatic approval; If the financial risk data approval instruction does not conform to the target financial risk data of the preset triggering rule, the financial risk data approval instruction data is sent to the server-end device; the server-end device gives priority to approving the financial risk data approval instruction data; Step 3: Automatic governance, approving financial risk data approval instructions are used to identify whether its natural person and non-natural person customers have the risk of money laundering; Storing target financial risk data instance tasks that meet preset trigger rules; Periodically query whether the currently stored target financial risk data instance tasks meet the preset automatic approval conditions. If so, automatically batch-approve each currently stored target financial risk data instance task to obtain the corresponding batch approval result data; Step 4: Batch automatic transfer, the terminal server receives the batch approval configuration information entered by the client device; The terminal server pre-stores the review rules; Once the batch approval configuration information entered by the client device meets the review rules, the customer will be automatically transferred from a high-risk customer to a low-risk customer; When the client device is a low-risk customer, the financial risk data approval instruction can be sent to the terminal server normally. If the client is still judged as a high-risk customer, the financial risk data approval instruction cannot be sent to the terminal server.

2. The financial risk data management method according to claim 1 is characterized by: The terminal server includes a computer terminal server device used by the server end; The server-side devices include computers, mobile phones, and tablet devices used by the server; The various client devices include computers, mobile phones, and tablet devices used by the client.

3. The financial risk data management method according to claim 1 is characterized by: The automatic approval in the second step is completed within one cycle.

4. The financial risk data management method according to claim 1 is characterized by: The third step is to determine whether there is a risk of money laundering, which mainly includes customer risk level assessment, customer suspicious transaction assessment, customer large transaction identification, and customer identity identification.

5. The financial risk data management method according to claim 1 is characterized by: The terminal server receives batch approval configuration information entered by the client device, including the names, identity information, face recognition information, transaction amount, date information, and transaction purpose information of both parties to the transaction.

6. The financial risk data management method according to claim 1 is characterized by: When the client device is a high-risk customer, the batch approval configuration information is entered into the terminal server, and the terminal server waits for automatic approval and judgment. Only when the client is judged as a low-risk customer can the financial risk data approval instruction be sent to the terminal server.

7. The financial risk data management method according to claim 1 is characterized by: Automatic approval uses a visual interface.

8. The financial risk data management method according to claim 1 is characterized by: The client device configures the automated batch approval function by itself.

9. The financial risk data management method according to claim 1 is characterized by: The financial risk data governance method is applied to financial data governance.

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