Automatic review system for changes in related personnel
The automatic review system addresses outdated information in customer due diligence by scanning and updating relevant person data, ensuring accurate and compliant results in anti-money laundering procedures.
Patent Information
- Application Number
- TW115203979
- Authority / Receiving Office
- TW · TW
- Patent Type
- Utility models
- Current Assignee / Owner
- Filing Date
- 2026-05-05
- Publication Date
- 2026-07-11
- Estimated Expiration
- 2036-05-04
AI Technical Summary
Financial institutions face challenges in ensuring that bank staff access up-to-date information during customer due diligence procedures due to updates in relevant person information in corporate loan applications.
An automatic review system with a storage unit and processing unit that scans and updates name scanning review results when relevant person information is updated, preventing outdated results.
Prevents bank staff from accessing outdated review results by generating and updating name scanning review results in real-time, ensuring accuracy and compliance with anti-money laundering regulations.
Smart Images
Figure IMG-2_DRAW_115203979-A0305-14-0001-1 
Figure IMG-2_DRAW_115203979-A0305-14-0002-2 
Figure IMG-2_DRAW_04_A0101_DRAWINGS_1
Abstract
Description
Automatic review system for changes in related personnel Technical Field
[0001] This invention relates to a review system, and more particularly to an anti-money laundering review system for financial institutions. Prior Technology
[0002] In response to anti-money laundering (AML) regulations, financial institutions are required to conduct standard customer due diligence procedures, also known as simplified customer due diligence (SCDD).
[0003] Since the information of relevant persons in corporate loan application materials is sometimes updated, how to develop a new system that can prevent bank staff from accessing outdated review results is a topic that this new system will further explore. Summary of the Invention
[0004] Therefore, the purpose of this invention is to provide an automatic review system for changes in the status of relevant persons.
[0005] Therefore, the novel automatic review system for changes in related persons includes a storage unit and a processing unit.
[0006] The storage unit stores a corporate loan application and a scanned copy of the name corresponding to the application. The loan application contains information on multiple individuals. The processing unit is electrically connected to the storage unit.
[0007] The processing unit determines whether at least one of the relevant person's information has been updated.
[0008] When the processing unit determines that at least one of the relevant person's information has been updated, the processing unit performs a name scanning review procedure on the enterprise's loan application information to generate an updated name scanning review result.
[0009] The processing unit updates the name scan review result with the latest name scan review result.
[0010] In some implementation scenarios, one of the relevant person's information is that of a guarantor.
[0011] In some implementation scenarios, one of the relevant personnel profiles is that of a senior manager.
[0012] The advantage of this new technology is that when the processing unit determines that at least one of the relevant personal information has been updated, the processing unit performs the name scanning and review procedure on the enterprise loan application information to generate the latest name scanning and review result, thereby preventing bank staff from finding outdated review results. Simple Explanation of the Diagram
[0013] Other features and effects of this invention will be clearly presented in the embodiments with reference to the drawings, wherein: Figure 1 is a schematic diagram of the hardware connection relationship according to an embodiment of the present invention; and Figure 2 is a flowchart of this embodiment. Implementation
[0014] Before this invention is described in detail, it should be noted that similar elements are represented by the same reference numerals in the following description.
[0015] Before this invention is described in detail, it should be noted that, unless otherwise defined, the term "electrically connected" in this patent specification refers to the "coupled" relationship between computer hardware (such as electronic systems, devices, apparatuses, units, and components), and broadly refers to "wired electrical connections" achieved by physically connecting multiple computer hardware components through conductor / semiconductor materials, and "radio connections" that achieve wireless data transmission using wireless communication technologies (such as, but not limited to, wireless networks, Bluetooth, and electromagnetic induction). On the other hand, unless otherwise defined, the term "electrical connection" in this patent specification also broadly refers to "direct electrical connections" achieved by directly coupling multiple computer hardware components to each other, and "indirect electrical connections" achieved by indirectly coupling multiple computer hardware components through other computer hardware components.
[0016] Before this invention is described in detail, it should be noted that the term "unit" in this patent specification refers to computer hardware rather than software. For example, "processing unit" refers to computer hardware with data processing capabilities.
[0017] Referring to Figure 1, an embodiment of the novel automatic review system for changes in related persons 100 includes a storage unit 1 and a processing unit 2. The processing unit 2 is electrically connected to the storage unit 1.
[0018] The storage unit 1 stores a corporate loan application and a name scan review result corresponding to the corporate loan application. The corporate loan application contains information on multiple related persons. One of the related persons may be, for example, a guarantor's information, or another related person may be, for example, a senior manager's information, but is not limited to these.
[0019] Referring to Figures 1 and 2, the following describes the steps performed by the automatic review system for changes in related persons 100. First, as shown in step S01, the processing unit 2 determines whether at least one of the related person data has been updated. If not, the process ends; if so, step S02 is executed.
[0020] Step S02 is when the processing unit 2 determines that at least one of the relevant personal information has been updated, the processing unit 2 performs a name scanning review procedure on the enterprise loan application information to generate a latest name scanning review result.
[0021] Next, as shown in step S03, the processing unit 2 updates the name scan review result with the latest name scan review result.
[0022] In summary, the novel automatic review system for changes in related persons 100, by having the processing unit 2 determine that at least one of the related person's information has been updated, executes the name scanning review procedure on the enterprise loan application information to generate the latest name scanning review result, thereby preventing bank staff from finding outdated review results. Therefore, it can indeed achieve the purpose of this novel system.
[0023] However, the above description is merely an embodiment of this invention and should not be construed as limiting the scope of implementation of this invention. Any simple equivalent changes and modifications made in accordance with the scope of the patent application and the contents of the patent specification shall still fall within the scope of this invention.
[0024] 100: Automatic Review System for Changes in Related Personnel 1: Storage unit 2: Processing Unit S01~S03: Steps
Claims
1. An automatic verification system for changes in related persons, comprising: a storage unit storing corporate loan application information and a name scan verification result corresponding to the corporate loan application information, the corporate loan application information including multiple related person records; and a processing unit electrically connected to the storage unit; the processing unit determining whether at least one of the related person records has been updated; when the processing unit determines that at least one of the related person records has been updated, the processing unit performs a name scan verification procedure on the corporate loan application information to generate a latest name scan verification result; the processing unit updates the name scan verification result with the latest name scan verification result.
2. The automatic review system for changes in related persons as described in claim 1, wherein, One of the relevant person's information is that of a guarantor.
3. The automatic review system for changes in related persons as described in claim 1, wherein, One of the relevant person profiles is that of a senior manager.