Compliance management and control method and system for Internet financial business in futures industry

Abstract

The invention provides a compliance management and control method and system for a futures industry internet financial service, and the method comprises the steps: obtaining the communication information between a futures industry internet financial service platform and a customer in real time, and checking the communication information according to a checking rule, thereby obtaining a checking result; performing risk monitoring and early warning on the behavior of the customer participating in the futures industry internet financial service through a preset risk early warning condition to obtain a risk early warning result; and according to the audit result and the risk early warning result, performing compliance management and control on the futures industry Internet financial business. The invention aims to provide an automatic compliance management and control method for Internet financial services in the futures industry, and the method comprises the steps of real-time monitoring, automatic auditing, risk early warning, data filing and dynamic regulation of a rule model, so as to improve the compliance management efficiency and accuracy of the Internet financial services in the futures industry.

Description

Technical Field

[0001] The present invention relates to the technical field of compliance management in the financial industry, and in particular to a compliance management and control method and system for Internet financial services in the futures industry. Background Art

[0002] With the rapid development of internet finance, the business model and risk characteristics of the futures industry have undergone significant changes. Traditional compliance management methods are no longer able to meet the real-time, automated, and intelligent needs of current businesses. In current business scenarios, traditional compliance management methods face the following challenges:

[0003] 1. Differences in propagation speed and range

[0004] Traditional compliance methods primarily focus on offline marketing activities and limited communication channels, resulting in a relatively slow pace of oversight and review. However, internet marketing information disseminates extremely quickly and widely. A single piece of marketing information for a futures product can reach a vast number of potential customers via various online platforms in a short period of time. Traditional compliance methods, which rely on pre-screening and overseeing individual marketing content, struggle to keep pace with this rapid pace, making it difficult to detect and address violations in a timely manner.

[0005] 2. Diversification of marketing forms

[0006] The internet has brought a rich variety of new forms of futures marketing, including short videos, livestreams, social media interactions, and online forums. These new formats are not only more interactive and engaging, but also more likely to conceal compliance risks. Traditional compliance methods primarily focus on reviewing text-based promotional materials and contract documents, lacking effective regulatory oversight and review standards for these emerging multimedia marketing formats.

[0007] 3. Expansion and complexity of customer base

[0008] The internet has broken down geographical restrictions, enabling futures trading to reach a wider customer base, including a significant number of ordinary investors who lack professional investment knowledge and risk awareness. Traditional compliance approaches are often tailored to the characteristics and needs of professional or institutional investors, and lack sufficient protection and guidance for these emerging ordinary investors.

[0009] 4. Challenges of Data and Privacy Protection

[0010] During internet marketing, futures companies collect vast amounts of customer data, including personal information, transaction records, and browsing behavior. The collection, storage, use, and sharing of this data raise questions about customer privacy. Traditional compliance approaches lack robust regulations and measures for data privacy protection, failing to meet the stringent requirements for data security and privacy protection in the internet environment.

[0011] 5. Risks of real-time interactivity

[0012] The real-time, interactive nature of internet marketing makes communication between futures companies and their clients more direct and frequent, but it also increases compliance risks. Traditional compliance approaches are often based on static marketing materials and one-way information transfer, lacking effective monitoring and management mechanisms for this real-time, two-way interactive communication. Summary of the Invention

[0013] The purpose of the present invention is to provide a compliance management method and system for Internet financial services in the futures industry, aiming to solve the above-mentioned problems in the prior art.

[0014] An embodiment of the present invention provides a compliance management and control method for Internet financial services in the futures industry, including:

[0015] Obtaining real-time transaction information between futures industry internet financial business platforms and clients, reviewing the transaction information according to review rules, and obtaining review results;

[0016] Conduct risk monitoring and early warning on customers' participation in futures industry internet finance businesses through pre-set risk early warning conditions, and obtain risk early warning results; and

[0017] Conduct compliance control over the futures industry’s Internet financial business based on the audit results and the risk warning results.

[0018] An embodiment of the present invention provides a compliance management and control system for Internet financial services in the futures industry, including:

[0019] The audit module is used to obtain the transaction information between the futures industry Internet financial business platform and customers in real time, audit the transaction information according to the audit rules, and obtain the audit results;

[0020] An early warning module is used to monitor and warn customers about their participation in futures industry internet finance businesses based on pre-set risk warning conditions, and obtain risk warning results; and

[0021] A management and control module is used to perform compliance management and control on the Internet financial business of the futures industry based on the audit results and the risk warning results.

[0022] An embodiment of the present invention also provides an electronic device, comprising: a memory, a processor, and a computer program stored on the memory and executable on the processor. When the computer program is executed by the processor, the steps of the compliance control method for Internet financial services in the futures industry are implemented.

[0023] An embodiment of the present invention also provides a computer-readable storage medium, on which a program for implementing information transmission is stored. When the program is executed by a processor, the steps of the compliance control method for Internet financial business in the futures industry are implemented.

[0024] The use of the embodiments of the present invention can include the following beneficial effects: The purpose of the embodiments of the present invention is to provide an automated compliance management method for Internet financial business in the futures industry, including the steps of real-time monitoring, automated review, risk warning, data archiving and dynamic adjustment of rule models, so as to improve the compliance management efficiency and accuracy of Internet financial business in the futures industry. BRIEF DESCRIPTION OF THE DRAWINGS

[0025] In order to more clearly illustrate one or more embodiments of this specification or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments recorded in this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0026] Figure 1 This is a flow chart of a compliance management and control method for Internet financial services in the futures industry according to an embodiment of the present invention;

[0027] Figure 2 is a flow chart of the compliance management method according to an embodiment of the present invention;

[0028] Figure 3 Schematic diagram of a compliance management and control system for Internet financial services in the futures industry according to an embodiment of the present invention. DETAILED DESCRIPTION

[0029] In order to enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below in conjunction with the drawings in one or more embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of the embodiments. Based on one or more embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without making creative efforts should fall within the scope of protection of this document.

[0030] Method Example

[0031] According to an embodiment of the present invention, a compliance management method for Internet financial services in the futures industry is provided. Figure 1 This is a flow chart of a compliance control method for Internet financial services in the futures industry according to an embodiment of the present invention. Figure 1As shown, the compliance control method for Internet financial services in the futures industry according to an embodiment of the present invention specifically includes:

[0032] Step S101: Acquire the transaction information between the futures industry internet financial business platform and the client in real time, review the transaction information according to the review rules, and obtain the review results, which specifically include:

[0033] Utilize natural language processing technology and perform contextual analysis on the exchanged information based on a preset sensitive word library to extract non-compliant information from the exchanged information and determine the nature of the non-compliant information. If the non-compliant information is illegal marketing, the salesperson or customer corresponding to the information is listed as an illegal user; if the non-compliant information is legal marketing but contains inappropriate content, the salesperson or customer corresponding to the information is listed as a misleading user;

[0034] The transaction information includes online customer acquisition behavior information, marketing content, customer account opening process information and transaction behavior information;

[0035] Step S102: Risk monitoring and early warning are performed on the customer's behavior of participating in the futures industry's Internet financial business based on the preset risk early warning conditions, and risk early warning results are obtained, specifically including:

[0036] Risk monitoring is performed on customers' participation in futures industry internet finance businesses through pre-set risk warning conditions. Based on the monitoring information, a pre-built risk warning model is used to issue risk warnings on customer behaviors, and customers with risky behaviors are classified as illegal users.

[0037] Step S103: Conducting compliance control on the futures industry's internet finance business based on the audit results and the risk warning results, specifically including:

[0038] If a salesperson or a customer is listed as an illegal user, the regulator will be notified to block their account involved in futures industry internet finance business;

[0039] If a salesperson is listed as a guide user, the supervisor will be notified to provide compliance guidance for their marketing business;

[0040] If a client is listed as a guided user, the regulator will be notified to provide compliance guidance on their participation in internet finance business in the futures industry;

[0041] If a salesperson or customer who is listed as an illegal user appeals after their account is blocked, the supervisor will be notified to review the rationality of the appeal;

[0042] The method further comprises:

[0043] The audit results and the risk warning results are stored, and financial market regulatory requirements and market changes are obtained in real time. The audit rules and the risk warning conditions are dynamically adjusted according to the regulatory requirements and market changes, the audit results and the risk warning results.

[0044] The following is a detailed description of the compliance control method for the futures industry Internet financial business according to an embodiment of the present invention. Figure 2 As shown, the above technical solution of the embodiment of the present invention is described in detail.

[0045] The compliance control method proposed in the embodiment of the present invention can be piloted in companies such as Jinxin Futures. By deploying an audit system and a risk warning model, real-time monitoring and management of the company's Internet financial business can be achieved.

[0046] Specifically, an embodiment of the present invention provides a compliance management method for Internet financial services in the futures industry, comprising the following steps:

[0047] Step 1: Real-time monitoring of marketing content and customer service communications for futures internet finance businesses, including but not limited to online customer acquisition, marketing activities, customer account opening processes, and trading behavior;

[0048] Step 2: Utilize natural language processing technology to conduct automated reviews of marketing materials and communications to identify potential violations. This automated review includes the use of pre-set sensitive word libraries and contextual analysis.

[0049] Step three: Analyze customer behavior through machine learning algorithms to achieve risk warning; the risk warning model used can be updated in real time to adapt to market changes;

[0050] Step 4: Record and archive the audit results and risk warning information for regulatory review and internal audit use. Data archiving is achieved through a secure electronic system to ensure data integrity and non-tamperability.

[0051] Step five: Dynamically adjust audit rules and risk warning models based on regulatory requirements and market changes.

[0052] When illegal content is detected in user or business communication, the severity of the violation will be assessed. If it is illegal content, the sender (user or business) will be blocked. If sensitive terms are present, the sender (user or business) will be deemed to require guidance. If the sender is a salesperson, this indicates they may be unfamiliar with financial services or have insufficient knowledge of sensitive terms. In this case, management will need to provide timely training on their business capabilities and review their performance after training. If the sender is a customer, this indicates they lack professional investment knowledge and risk awareness, requiring timely intervention by management to explain relevant investment knowledge and risk theories to the customer and guide them to participate in futures industry internet finance activities. Of course, a user or business account may be blocked due to a lack of professional investment knowledge and risk awareness. In this case, a normal appeal interface will be provided. Management can assess the content of the appeal and, if it is indeed an error, unblock the account, allowing them to participate in relevant financial services normally.

[0053] System Example

[0054] According to an embodiment of the present invention, a compliance management system for Internet financial services in the futures industry is provided. Figure 3 Schematic diagram of the compliance management and control system for the futures industry Internet financial business according to an embodiment of the present invention. Figure 3 As shown, the compliance management and control system for Internet financial services in the futures industry according to an embodiment of the present invention specifically includes:

[0055] The audit module 30 is used to obtain the transaction information between the futures industry Internet financial business platform and the customer in real time, audit the transaction information according to the audit rules, and obtain the audit results;

[0056] The early warning module 32 is used to monitor and warn customers about their participation in the futures industry's internet financial business based on pre-set risk warning conditions, and obtain risk warning results;

[0057] A control module 34 is used to perform compliance control on the futures industry's Internet financial business based on the audit results and the risk warning results;

[0058] The system further comprises:

[0059] An adjustment module is used to store the audit results and the risk warning results, and obtain financial market regulatory requirements and market changes in real time, and dynamically adjust the audit rules and the risk warning conditions according to the regulatory requirements and market changes, the audit results and the risk warning results.

[0060] The embodiment of the present invention is a system embodiment corresponding to the above-mentioned method embodiment. The specific operations of each module can be understood by referring to the description of the method embodiment, which will not be repeated here.

[0061] In summary, compared with the existing technology, the compliance control method proposed in the embodiment of the present invention can realize the automated and intelligent management of Internet financial business in the futures industry, and adds a dynamic adjustment function to the review rules and risk warning models to adapt to changes in regulatory policies and market development, effectively improving the review efficiency of Internet financial business in the futures industry and reducing compliance risks, thereby adapting to market changes and meeting market regulatory requirements.

[0062] Device Example 1

[0063] An embodiment of the present invention provides an electronic device, comprising: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program implements the steps described in the method embodiment when executed by the processor.

[0064] Device Example 2

[0065] An embodiment of the present invention provides a computer-readable storage medium, on which a program for implementing information transmission is stored. When the program is executed by a processor, the steps described in the method embodiment are implemented.

[0066] The computer-readable storage medium in this embodiment includes, but is not limited to, ROM, RAM, magnetic disk, or optical disk.

[0067] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention, rather than to limit it. Although the present invention has been described in detail with reference to the above embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the above embodiments, or replace some or all of the technical features therein with equivalents. However, these modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of the present invention.

Claims

1. A compliance management and control method for Internet financial business in the futures industry, characterized by include: Obtaining real-time transaction information between futures industry internet financial business platforms and clients, reviewing the transaction information according to review rules, and obtaining review results; Through the preset risk warning conditions, the risk monitoring and warning of customers' participation in the futures industry's Internet financial business are carried out to obtain risk warning results; as well as Conduct compliance control over the futures industry’s Internet financial business based on the audit results and the risk warning results.

2. The method according to claim 1, characterized in that The method further comprises: The audit results and the risk warning results are stored, and financial market regulatory requirements and market changes are obtained in real time. The audit rules and the risk warning conditions are dynamically adjusted according to the regulatory requirements and market changes, the audit results and the risk warning results.

3. The method according to claim 1, characterized in that The audit of the transaction information in accordance with the audit rules specifically includes: Utilize natural language processing technology and perform contextual analysis on the exchanged information based on a preset sensitive word library to extract non-compliant information from the exchanged information and determine the nature of the non-compliant information. If the non-compliant information is illegal marketing, the salesperson or customer corresponding to the information is listed as an illegal user; if the non-compliant information is legal marketing but contains inappropriate content, the salesperson or customer corresponding to the information is listed as a misleading user; Among them, the transaction information includes online customer acquisition behavior information, marketing content, customer account opening process information and transaction behavior information.

4. The method according to claim 3, characterized in that Risk monitoring and early warning of customers' participation in the futures industry's internet finance business are carried out through preset risk early warning conditions, specifically including: Through the preset risk warning conditions, the risk monitoring of customers' behaviors in participating in the Internet financial business of the futures industry is carried out, and the pre-built risk warning model is used to issue risk warnings to customers' behaviors based on the monitoring information, and customers with risky behaviors are listed as illegal users.

5. The method according to claim 4, characterized in that Compliance management and control of the futures industry's internet finance business based on the audit results and risk warning results specifically include: If a salesperson or a customer is listed as an illegal user, the regulator will be notified to block their account involved in futures industry internet finance business; If a salesperson is listed as a guide user, the supervisor will be notified to provide compliance guidance for their marketing business; If a customer is listed as a guided user, the regulator will be notified to provide compliance guidance on their participation in Internet financial business in the futures industry.

6. The method according to claim 5, characterized in that Compliance management and control of the futures industry's internet finance business based on the audit results and risk warning results specifically include: If a salesperson or customer who is listed as an illegal user appeals after his account is blocked, the supervisor will be notified to review the rationality of the appeal content.

7. A compliance management and control system for Internet financial services in the futures industry, characterized by include: The audit module is used to obtain the transaction information between the futures industry Internet financial business platform and customers in real time, audit the transaction information according to the audit rules, and obtain the audit results; The early warning module is used to monitor and warn customers about their participation in futures industry internet finance businesses based on pre-set risk warning conditions, and obtain risk warning results. as well as A management and control module is used to perform compliance management and control on the Internet financial business of the futures industry based on the audit results and the risk warning results.

8. The system according to claim 7, characterized in that The system further comprises: An adjustment module is used to store the audit results and the risk warning results, and obtain financial market regulatory requirements and market changes in real time, and dynamically adjust the audit rules and the risk warning conditions according to the regulatory requirements and market changes, the audit results and the risk warning results.

9. An electronic device, characterized in that: include: A memory, a processor, and a computer program stored in the memory and executable on the processor, wherein when the computer program is executed by the processor, the steps of the compliance control method for Internet financial services in the futures industry as described in any one of claims 1 to 6 are implemented.

10. A computer-readable storage medium, characterized in that The computer-readable storage medium stores an implementation program for information transmission, and when the program is executed by the processor, the steps of the compliance control method for Internet financial business in the futures industry as described in any one of claims 1 to 6 are implemented.

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