AN INTERMEDIARY ACCOUNT DETERMINATION SYSTEM

Abstract

This invention relates to a system (1) that enables the classification of bank customers using classification algorithms and the detection of whether customers have mule accounts.

Description

1 TARIFF AN INTERMEDIARY ACCOUNT DETERMINATION SYSTEM Technical Area This invention uses classification algorithms to identify bank customers. classification and whether customers have mule (intermediary / mole) accounts It is related to a system that enables the detection of its absence. Previous Tech 10 Current technology for fraud control involves industry-wide, transaction-specific information. Score models are used to measure the risk of fraud in a transaction. These models are inadequate at differentiating customer profiles, therefore the reality is... customer transactions are also suspended and in some cases fraud is detected. This can lead to processes being skipped. Therefore, considering the studies and shortcomings in the current technique... When available, classification algorithms are used to identify bank customers. classification and determination of whether customers have Mule accounts 20 It appears that a system is needed that will enable this. Japanese patent number JP2014086080A, which is included in the prior art. Detecting fraudulent money transfers to a scam account in the document The method is mentioned. The invention aims to protect a browser or web 25 A detection software module is introduced to the site. The detection module detects a website's web It monitors the content on the page and the activities performed on the webpage, and is malicious. any fraudulent online activity that may be carried out by the software It detects exceptional activity / situation and takes all necessary steps to carry out the fraudulent transaction. It waits for sensitive data to be entered. Then the detection module detects fraud 30. It stores and / or transmits details of the fraudulent account used in the transaction. 2 Brief Description of the Invention The aim of this invention is to identify bank customers using classification algorithms. classification and whether customers have mule (intermediary / mole) accounts 5 The goal is to create a system that enables the detection of its absence. Another purpose of this invention is to analyze data relating to bank customers. This is based on the account ownership score generated for the customers. The score is 10% of potential fraud attempts made through intermediary accounts. The goal is to create a system that enables its use in preventing such actions. Detailed Description of the Invention The “Intermediary Account Detection System” developed to achieve the purpose of this invention is 15 This is shown in the attached figure; Figure 1 shows a schematic view of the system that is the subject of the invention. The parts shown in the figures are individually numbered, and these numbers correspond to 20. The corresponding answers are given below. 1. System 2. Database 3. Server 25 Classification algorithms are used to classify bank customers and a system that allows determining whether customers have Mule accounts. system (1); 3 - including information about customers, the products they own, and their product usage, Account transactions and demographic data are recorded. at least one database configured to hold (2) and - communicating with and exchanging data with the database (2), at least 5 that automatically process data and produce meaningful results. a controlled system that executes software, through the software it runs. Creating a model using a machine learning algorithm, data The customer-related data (2) at the base of the model was entered into the said model. to provide and analyze customer data, and based on the analysis results 10 individuals were identified as being associated with Mule accounts and facilitating the fraud. at least one server configured to identify customers (3) It includes. The database (2) in the system that is the subject of the invention (1) contains information about customers Acceptance of data obtained from digital banking channels within a specific period 15 Information on the total number of available loans, and the total number of loans rejected on the last day. Information on the total number of consumer loans rejected in the last day, rejected in the last day. Information on the number of readily available consumer loans, and information showing active ownership of Eurobond products. (1 if product exists, 0 if product does not exist), products in the form of treasury bills and government bonds. Information showing active ownership (1 if product exists, 0 if not) 20 distinctive customer information to keep records associated with a unique piece of identification information It is being structured. Within the database (2), information about customers obtained from digital banking channels the amount of 25 in the customer's current foreign currency accounts during a specific period average information on the amount (within active accounts), information on the home loan taken, a specific number of new home loans opened during the period, customer age, categorized customer-bank relationship, educational background, customer's occupation code, Information on customer onboarding methods (digital channel or other options), Information on the business category the customer is authorized to or has a relationship with (partner, group 30) (information on whether the company, manager, or owner is present or not), owner 4 Fund information (in the format of Fund A, Fund B: 1 if present, 0 if absent) is provided to the customer. registered in a manner associated with a distinctive unique identifier. It is structured to hold. 5 obtained from digital banking channels regarding customers within the database (2) the total amount of assets denominated in foreign currency during a specific period information indicating whether or not they own an individual retirement savings product (if applicable, 1, (or 0 if none exists) the average number of consistently outgoing EFTs over a specific period. information, pension status information, total payments made during a specific period Automatic bill amount information, from the oldest 10 currently active automatic bill payments. the age information in days, the total automatic payments made within a specific period invoice amount number, Motor Vehicle Tax payments within a specific period Data in the form of numerical information constitutes a unique, distinctive identifier for the customer. It is structured to keep records in a way that is associated with it. Within the database (2), information about customers obtained from digital banking channels the number of school payments made within a specific period, stock Product active ownership information (value 1 if available, 0 if not), cumulative deposit product. Information showing active ownership (value 1 if available, 0 if not), deposit product that increases ownership. Information showing active ownership (value 1 if available, 0 if not), term deposit product 20 data indicating active ownership (value 1 if present, 0 if absent) associated with a unique, distinctive identifier relating to the customer It is structured to keep records. Within the database (2), 25 obtained from digital banking channels regarding customers average balance of foreign currency time deposits over a specific period Information indicating ownership of net account deposit products (1 if available, 0 if not) (value), the customer's previous money transfers to an e-money or crypto exchange information on whether or not there is such an information, information on the current total balance of foreign currency demand deposits, within a specific period, the assets (30%) in the customer's current foreign currency accounts (within the accounts) information on the total amount of foreign currency, the product was last actively used. The number of days that have passed since that day, the number of new openings within a specific period Data such as account number information provides a unique, distinctive identifier for the customer. to keep records in a way that is associated with the information It is being structured. Within the database (2), information about customers obtained from digital banking channels transactions made in a demand deposit account for the purpose of transferring money within a specific period. Information on the ratio of the number of transactions to the total number of transactions, card information possessed, and a specific the sum of the ratios of cash advance withdrawals to total spending during the period Information on how many times cash advances were withdrawn within a specific period, 10 within a specific period, the customer's activities in the 'Gambling' category Information on the number of expenditures, information on the number of primary cards included in the commercial card group, and future plans. Information on current credit card debt amount, including installments, and a specific period. information about the amount spent by the customer in the 'Investments' category 15 associated with a unique, distinctive identifier relating to the customer It is structured to keep records. The database (2) in the system that is the subject of the invention (1) contains information about customers Credit product group obtained through digital banking channels for a specific period The information on how many times the customer was late within a specific period (20) it includes information on the payment commitment rate, and the current account held in the last month. deposits, investment products, and the total of balances in private pension accounts Current customer asset value information, customer assets over a specific period average information, information on the total current customer assets held as of the last day, the ratio of foreign currency assets to total assets within a specific period, a certain 25 data in the form of (total assets) / (size of work) ratio during the period associated with a unique, distinctive identifier relating to the customer It is structured to keep records. Within the database (2), 30 obtained from digital banking channels regarding customers information on the average of total salaries received within a specific period, 6 Information on the type of stock assigned to the customer, and the current balance information of the term deposit account. the oldest of the existing open term deposit accounts in days Age information, actively using a term deposit product within a specific period The number of days used information indicates the customer's active current account balance within a specific period. Information on the number of days the person held a foreign currency account, and 5 indicating ownership of Eurobond products. token information (1 if available, 0 if not), product in the form of treasury bill, government bond. data in the form of an identifier indicating ownership (1 if present, 0 if absent) is given to the customer. registered in a manner associated with a distinctive unique identifier. It is structured to hold. Within the database (2), information about customers obtained from digital banking channels information indicating active ownership of the credit card product (if available, 1; if not, 1) 0), identifier information showing ownership of the housing loan product (1 if available, 0 if not), owner Indicator information showing all product information (available for all existing products) (if 1, otherwise 0), information on whether automatic payment is defined, stock product 15 Ownership indicator (1 if available, 0 if not), cumulative deposit product Ownership information (1 if available, 0 if not), term deposit product Ownership indicator (1 if available, 0 if not), customer portfolio service. If so, the portfolio number information, accepted within a specific period. Data such as the total number of loans is uniquely identifiable to the customer. to keep records associated with identity information It is being structured. The invention automatically processes data on the server (3) located in the system (1). 25 to run at least one AI software program that functions and produces meaningful results It is configured. The server (3) communicates with the database (2) and accesses the database. (2) is configured to record data. The preferred method of the invention in its arrangement, the server (3) for customers who are victims of social engineering Building an analysis model using a supervised machine learning algorithm It is structured in such a way. The server (3) retrieves 30 data from the database (2) relating to customers. to collect data, to provide that data as input to the created analysis model. 7 and by analyzing the data, it identified those associated with the Mule account and those who facilitated the fraud. It is configured to identify detected customers. Server (3) analysis to record the data obtained as a result into the database (2) It is being structured. Industrial application of the invention The system (1) that is the subject of the invention has the power to predict fraud in banking transfer transactions. This ensures increased productivity and minimizes bank and customer losses. Around these basic concepts, the subject of the invention is “An Intermediary Account Determination System (1)” It is possible to develop a wide variety of applications related to this, and the invention is presented here. It cannot be limited to the examples given; it is essentially as stated in the claims.

Claims

8 REQUESTS 1. Bank customers are identified using classification algorithms. classification and whether customers have Mule accounts 5 that enable detection - products owned by customers, products They record data such as usage, account activity, and demographic data. containing at least one database (2) structured to keep it under control and - communicating with the database (2) and exchanging data performs, automatically processes data and produces meaningful results 10 producing at least one piece of software, running on it, through the software that it runs Creating a model using a supervised machine learning algorithm, data related to the customer (2) in the database are used in the said model to provide input and analyze customer data, analysis As a result, 15 individuals were found to be associated with the Mule account and involved in facilitating the fraud. at least one server configured to identify the targeted customers (3) It includes.

2. Including data obtained from customers' digital banking channels Information on the total number of accepted ready loans within a specific period, 20 Information on the total number of loans rejected in the last day, total number of loans rejected in the last day. Consumer loan information, number of ready consumer loans rejected in the last day. information, information showing active ownership of Eurobond products, treasury bonds, government Information showing active ownership of products in the form of bonds relates to the customer. 25 registered in a manner associated with a distinctive unique identifier The Request is characterized by the database (2) which is structured to hold A system like the one in 1 (1).

3. Including data obtained from digital banking channels relating to customers, 30 in the customer's current foreign currency accounts within a specific period average information on the amount found, information on the home loan taken, a specific period 9 number of new home loans opened, customer age, categorized customer-bank relationship, educational background, profession indicating the customer's occupation. code, customer registration method information, customer authorization or relationship information about the company's business category, information about the funds it holds, and customer information. 5 registered in a manner associated with a distinctive unique identifier the above is characterized by the database (2) which is structured to hold a system like any of the requests (1).

4. Including data obtained from customers' digital banking channels The total amount of assets denominated in foreign currency during a specific period is 10. information indicating whether or not they own a private pension product, Information on the average number of EFTs consistently sent over a specific period. pension status information, total payments made during a specific period Automatic bill amount information, from currently active automatic bill payments The oldest one's age in days is 15 in total over a specific period. The number of automatic bill payments made, Motorized within a specific period. Data such as the number of vehicle tax payments identifies the customer. registered in a way that is associated with a unique identifying information the above is characterized by the database (2) which is structured to hold a system like any of the requests (1). 20 5. Including data obtained from digital banking channels relating to customers. the number of school payments made within a specific period, share stock product active ownership information, cumulative deposit product active ownership Information showing increased deposit product active ownership, term 25 Data in the form of information showing ownership of deposit products is provided to the customer. registration associated with a distinctive unique identifier characterized by the database structured to keep it under (2) a system like any of the above requests (1).

6. Including data obtained from digital banking channels relating to customers. average balance of foreign currency time deposits over a specific period information, information showing ownership of net account deposit products, customer Have you previously sent money to an e-money or crypto exchange? information that there is no current total balance of foreign currency demand deposits information regarding the customer's current foreign currency accounts over a specific period. The total amount of foreign currency found is based on the product's last active use in 5 months. The number of days that have passed since that day, information about openings within a specific period. Data such as the number of new accounts provides a unique information about the customer. to keep records associated with a unique identification information from the above requests characterized by the structured database (2) a system like any other (1). 10 7. Including data obtained from digital banking channels relating to customers, transactions of demand deposits for the purpose of money transfer within a specific period Information on the ratio of the number of transactions to the total number of transactions, card information possessed, The amount of cash advances withdrawn within a specific period must be 15% of the total expenditure. The sum of the rates indicates how many times cash advances were made within a specific period. The information that the photo was taken indicates that the customer has 'Chance' within a specific period. Information on the number of expenditures made in the 'Games' category is included in the business card group. including the original card number information, current credit including future installments Card balance information and the customer's 'Investments' within a specific period. 20 information about the amount spent in that category, a distinctive feature relating to the customer. to keep records associated with a unique identification information from the above requests characterized by the structured database (2) a system like any other (1).

8. Including data obtained from digital banking channels relating to customers, How many times has the credit product group been late within a specific period? information that it fell through, the customer's promise to pay within a certain period information on retention rate, demand deposits held in the last month, investments products, existing customer 30 in the form of total balances in BES accounts Asset value information, average customer assets over a specific period. 11 information, information on the total current customer assets held as of the last day, specific The ratio of foreign currency assets to total assets over a given period, the ratio of (total assets) / (size of operation) during the period data with a unique, distinctive identifier relating to the customer Data structured to be kept on record in an associated manner 5 any of the above claims characterized by its base (2) such a system (1).

9. Including data obtained from digital banking channels relating to customers, Information on the average of total salaries received within a specific period, 10 Information on the type of stock assigned to the customer, and the current balance of the term deposit account. information about the oldest of the existing open term deposit accounts Age information in days, term deposits within a specific period Information on the number of days the product was actively used, for a specific period. the number of days the customer has an active current foreign currency account is 15 information, Eurobond product ownership information, treasury bond, token information indicating ownership of a product in the form of a government bond data with a unique, distinctive identifier relating to the customer data structured to be recorded in an associated manner 20 in any of the above claims characterized by base (2). such a system (1).

10. Including data obtained from digital banking channels relating to customers, information indicating active ownership of credit card products, home loan products. The ownership information, including all product information it owns, is shown on page 25. Information indicating whether or not it is an automatic payment definition, Stock ownership information, cumulative deposits Token information indicating product ownership, term deposit product ownership The indicator information showing that if the customer is receiving portfolio services, their portfolio... The number information represents the total accepted credit within a specific period: 30 Data in the form of numerical information provides a unique, distinctive identifier for the customer. 12 to keep records in a way that is associated with the information from the above requests characterized by the structured database (2) a system like any other (1).

11. At least 5 that automatically process data and produce meaningful results. server (3) configured to run an artificial intelligence software a system like any of the above characterized claims (1).

12. Communicating with the database (2) and recording data in the database (2) 10 from the above requests characterized by the server (3) configured for a system like any other (1).

13. Supervised machine for customers who are victims of social engineering. 15 from the above requests characterized by the configured server (3) a system like any other (1).

14. To retrieve customer data from the database (2), to process such data to provide as input to the created analysis model and analyze the data 20 associated with the Mule account and found to have facilitated the fraud. Characterized by the server (3) configured to identify customers a system like any of the above-mentioned requests (1).

15. To record the data obtained as a result of the analysis in the database (2) 25 from the above requests characterized by the configured server (3) a system like any other (1).

Images