TWM572530U - Shared watch list system using blockchain - Google Patents

Abstract

A shared watch list system using Blockchain Proof of Concept (PoC) technology is provided. The financial sectors and at least one of the financial supervisory and the financial intelligent center are joined into the blockchain network to become a Node. The blockchain network is used for every Node querying online if their customer is in the high risk lists of ML/TF. According to the filtering result, the Node in Blockchain can go back to their intra systems through the application programming interface (API) to conduct the following customer due diligence and other internal processes. Hence, the cost for the implement or buy the high risk list database and software/hardware equipment are reduced. Furthermore, the financial sector and other designated sectors can make sure the compliance of AML/CFT measures and the Financial Supervisory can audit from the trails and conduct an online inspection if necessary.

Description

Blockchain-based risk list sharing system

This creation is about a risk list sharing system, especially a blockchain-based risk list sharing system.

In response to the increasing urgency of anti-money laundering and anti-terrorism mechanisms and the Asia-Pacific Group on Money Laundering (APG) assessment, the current domestic large-scale financial control system adopts independent development or outsourcing. In a way, each of them cooperates with the international anti-money laundering database manufacturer to import relevant high-risk lists and establish a money laundering prevention list inquiry system, resulting in the risk of overlapping the screening operation and system cost and the inconsistency of the screening list library. Securities companies, agricultural and fisheries associations, and letter-sharing companies are not even able to develop them alone. At present, although the Taiwan Centralized Depository and Clearing House provides the "money laundering and anti-inquisition system" used by the securities industry, the ticket industry and investment companies, the system belongs to the system. The traditional centralized processing database provided by the network cannot ensure the traffic load balance and instant response including the simultaneous inquiry by the branches of the banking, insurance and securities industries. The centralized storage and clearing house in Taiwan has complete the list of the database. Negative guarantee responsibility.

As shown in Figure 1, the Taiwan Centralized Depository and Clearing House 10 currently has a traditional centralized money laundering prevention system 11 that provides services such as the securities industry13, the ticket industry14 and the investment company through the Internet12. Name check, based on a single system limited to query traffic and load For the balance problem, the banking industry 15 and the insurance industry 16 all choose not to apply for or fail to join the centralized money laundering prevention list system, and adopt their own development of money laundering prevention and high risk list inquiry system. According to this, how to provide an instant and consistent risk list can effectively improve the screening and compliance operations of financial institutions to prevent high-risk list of money laundering and anti-terrorism.

This creation provides a blockchain-based risk list sharing system. Through the blockchain decentralized shared list database, it provides the characteristics of the financial institution nodes to query and obtain consensus. The fuzzy comparison is to screen whether the customer's identity is listed in the relevant list. At the same time, keep records such as query trajectories, and then use the proprietary application interface (API) to connect its individual internal systems with financial institutions, conduct follow-up customer risk assessment and review operations, and effectively improve financial institutions' efforts to prevent money laundering and terrorist attacks. High risk lists screen compliance operations.

A blockchain-based risk list sharing system according to an embodiment of the present invention includes a blockchain group including a plurality of node servers, wherein the plurality of node servers include a supervisory server and a financial intelligence The central server is at least one of both. A risk list information is stored in the plurality of node servers. And a query end is connected to one of the plurality of node servers, wherein the node server connected to the query end presents a first query request to the blockchain group, and the query request includes confirming whether a customer information exists at the risk In the list information, another node server of the plurality of blockchain groups returns a fuzzy comparison result to the query end, wherein the first query requirement and the fuzzy comparison result are recorded in the plurality of node servers. And the query side conducts customer data review for the fuzzy comparison result, and conducts a risk assessment and grading process.

10‧‧‧Taiwan Central Depository and Clearing House

11‧‧‧Centralized money laundering prevention system

12‧‧‧Internet

13‧‧‧ Securities industry

14‧‧‧ Ticket industry

15‧‧‧Banking

16‧‧‧Insurance

100,200‧‧‧Blockchain-based risk list sharing system

110, 112, 113, 114, 115, 210, 212, 213, 214, 215‧ ‧ node server

300‧‧‧Customer

B1, B2‧‧‧ banking institutions

BH1‧‧‧Financial Holding Group

C‧‧‧block chain group

C1‧‧‧Banking blockchain group

Figure 1 shows the current traditional centralized money laundering prevention list system.

Figure 2 is a schematic diagram of an embodiment of the present creation.

Fig. 3 is a schematic view showing still another embodiment of the present creation.

The various embodiments of the present invention will be described in detail below with reference to the drawings. In addition to the detailed description, the present invention may be widely practiced in other embodiments, and any alternatives, modifications, and equivalent changes of the described embodiments are included in the scope of the present invention. quasi. In the description of the specification, a number of specific details are provided for the reader to have a more complete understanding of the present invention; however, the present invention may be implemented without omitting some or all of the specific details. In addition, well-known steps or elements are not described in detail to avoid unnecessarily limiting the present invention. The same or similar elements in the drawings will be denoted by the same or similar symbols. It is to be noted that the drawings are for illustrative purposes only and do not represent the actual dimensions or quantities of the components. Some of the details may not be fully drawn in order to facilitate the simplicity of the drawings.

Referring to FIG. 2, the blockchain-based risk list sharing system 100 of the present embodiment includes a blockchain group C, which includes a plurality of node servers, and the node server includes but is not limited to a graph. The node server 110, the node server 111, the node server 112, the node server 113, the node server 114, the node server 115, ... shown therein, wherein the plurality of node servers include a supervision server At least one of (e.g., node server 110) and a financial intelligence center server (e.g., node server 111). A risk list information is stored in the plurality of node servers, such as node server 110, node server 111, node server 112, The node server 113, the node server 114, and the node server 115, wherein the risk list information includes, but is not limited to, Money Laundering/Terrorist Financing Watch Lists (ML/TF list). A query end is connected to one of the above complex node servers. In this embodiment, the node server 115 is taken as an example, wherein the node server 115 connected to the query end presents a first query request to the blockchain group C. The first query requirement includes confirming whether a customer information exists in the risk list information. In an embodiment, the node server 115 presents the first query requirement in a broadcast manner. Thereafter, another node server in the complex blockchain group C, such as the node server 113, returns a fuzzy comparison result to the query end (node server 115), wherein the first query request and the fuzzy The comparison result is recorded in the plurality of node servers. And the query end (node server 115) performs customer data review on the fuzzy comparison result, and performs a risk assessment and classification process. In one embodiment, the blockchain group C is a banking blockchain group, a securities and futures industry blockchain group, or an insurance industry blockchain group.

In another embodiment, as shown in FIG. 3, FIG. 3 is a schematic diagram of still another embodiment of the present creation, taking a banking blockchain group C1 as an example, a banking blockchain group. The group C1 includes a plurality of node servers, such as a node server 210, a node server 211, a node server 212, a node server 213, a node server 214, and a node server 215, wherein one node server can represent a banking institution. And each of the node servers participating in the banking blockchain group C1 has a risk list information, and the risk list information includes but is not limited to the ML/TF list. The supervisory server (such as node server 211) is affiliated with the supervisory authority of the banking industry, and the financial intelligence center server (such as node server 212) is affiliated with the financial intelligence center. The banking institution B1 takes the node server 212 as an example, and interfaces with the internal information system 2121 of the banking institution B1 through an application program interface (API). In an embodiment, please continue to refer to Figure 3, the customer 300 is on the premises or via the Internet. The bank institution B1 submits a transaction request, and the internal information system 2121 of the bank institution B1 (query side) interfaces to the node server 212 through the API, and the node server 212 presents a query request by broadcasting, and another bank institution B2 (for example, the node server 214) returns the fuzzy comparison result, and the node server 212 obtains the result of the fuzzy comparison by the banking blockchain group C1, and transmits it back to the internal information system 2121 for subsequent customer review and risk. Assessment and grading operations. In an embodiment, if the banking institution B1 is affiliated with a financial holding group BH1, the banking institution B1 returns the customer risk level to the financial holding group BH1 (the banking industry without the affiliated financial holding group is exempt from this procedure), The results of the review by the banking institution B1 for the customer 300 (including Customer Due Diligence, CDD and the necessary Enhanced Due Diligence, EDD), if it is judged to be suspected of money laundering or terrorist trading, the bank institution B1 is financial The information center conducts a declaration, and the above-mentioned financial information center is an investigation department of the Ministry of Justice in one embodiment. In an embodiment, if the banking institution B1 is affiliated with a financial holding group BH1, the banking institution B1 proposes a second inquiry request to the financial holding group, and the financial holding group BH1 targets the other business entities to which the subsidiary belongs. The risk level is provided to the query side for reference. That is, the banking industry should take into account the insurance industry and the securities industry. The insurance industry should refer to the banking industry and the securities industry. The securities industry should refer to the banking industry and the insurance industry, and the agency should give back the risks of customers to the financial holding group. data.

The supervisory authority and the financial intelligence center are the maintenance units that are mainly responsible for the risk list information. The risk list information, such as the ML/FT list, can be obtained through public information of various foreign channels such as the United Nations, the IMF, the United States, the European Union and international organizations. It must also be uniformly imported and cooperated with foreign database vendors. In addition to having the right to inquire, all banking institutions are also responsible for the immediate reaction to the doubts of the customer's query results. The records running on all blockchain groups are stored simultaneously. Relevant node server, each industry supervisory authority has to check the sections as necessary (for example, periodically or irregularly) Point server compliance. In yet another embodiment, the same mechanism as above can also be used in the securities and futures industry blockchain group or the insurance industry blockchain group.

With this risk list sharing system, financial institutions no longer need to re-cost or build ML/TF high-risk list database and related software and hardware computer equipment, and may be responsible for the risk of omission or error in the list. Through the blockchain group and cloud service management, the requirements for compliance with laws and regulations for the screening of money laundering and risk-risk high-risk lists can be fulfilled. In addition, the supervisory authority can no longer need to go to various financial institutions (including banking, insurance, and securities industries). Etc.) Check the ML/TF list system of different specifications to confirm whether there is a high risk list missing, and under the condition of the consistency of the list, monitor or punish the financial institutions in the money laundering prevention and combat through the blockchain. Compliance with the operation of the terrorist operation (following the law).

In the above embodiment, the node server of the single blockchain group comprises a financial institution of a single industry, a supervisory authority of the industry, a financial intelligence center (in the country, the investigation department of the Ministry of Justice), and an alliance block. Chains and other types of composition, other law enforcement agencies, financial related authorities such as the central bank, the Ministry of Finance, etc., may also join the blockchain group of each industry depending on the necessity of supervision. In addition to the financial institution industry (including banking, insurance, and securities), the above-mentioned institutions/businesses/personnel can be applied separately: (1) Financial institutions (in accordance with The provisions of the "Money Laundering Prevention Act" are defined as defined in the "Measures for the Prevention of Money Laundering by Financial Institutions"; (2) Financial related businesses (in accordance with the "Banking Law" and the "Financial Holding Group Law", including Information services and financial technology industry; and (3) Specific non-financial professionals (in accordance with Item 22 of the FATF's Technical Compliance Assessment Recommendations, and the designated non-financial undertakings under the Money Laundering Prevention Act or personnel").

By using this risk list sharing system, organizations/businesses/persons regulated by the Money Laundering Prevention Law can participate in the alliance blockchain of their respective industries, and each of the agencies/businesses/personnel supervisory authorities , financial intelligence centers, law enforcement agencies, financial related authorities and other units, join the alliance blockchain to overcome the current self-built or outsourced ML / TF high-risk list library content is not complete, wrong or inconsistent laws follow the predicament .

According to the above, the blockchain-based risk list sharing system of the present invention, each node server of the single blockchain group can be interfaced to the internal information systems of the above-mentioned agencies/or institutions/businesses/persons through the API. In the embodiment, the individual node server is built by the Private Cloud, including the follow-up of the anti-money laundering and anti-terrorism operations, the customer risk assessment and the risk level feedback to the financial holding group (or the parent company). The Eli Financial Holdings Group (or the parent company) overcomes the current grading of the risks of the subsidiaries that are unable or difficult to grasp, and is able to handle the compliance of the follow-up customer risk grading and sharing within the group, and complete the various agencies/ The risk assessment report of the money laundering and risk of the business/personnel, as well as the supervision authority's information on the money laundering and risk assessment report of each institution/business/personnel, and the advanced risk assessment.

In summary, the blockchain-based risk list sharing system of this creation provides a feature of querying and obtaining consensus among financial institution nodes through a blockchain distributed shared list database, and whether fuzzy alignment is used to screen customers' identity is listed in Relevant lists, while retaining records such as query trajectories, and then use the proprietary application interface (API) to interface with their individual internal systems by financial institutions to conduct follow-up customer risk assessment and review operations, effectively improving financial institutions' efforts to prevent money laundering and crackdowns. fear The high risk list screens for compliance operations.

The embodiments described above are only for explaining the technical idea and characteristics of the present invention, and the purpose thereof is to enable those skilled in the art to understand the contents of the present invention and implement them according to the scope of the patent. That is, the equivalent changes or modifications made by the people in accordance with the spirit revealed by this creation should still be covered by the scope of the patent of this creation.

Claims (9)

A blockchain-based risk list sharing system includes: a blockchain group, the blockchain group includes a plurality of node servers, wherein the plurality of node servers include a supervisory server and a financial intelligence center At least one of the server; a risk list information stored in the plurality of node servers; and a query end connected to one of the plurality of node servers, wherein the plurality of nodes connected to the query end The server sends a first query request to the plurality of blockchain groups, the query request includes confirming whether a customer information exists in the risk list information; and the other block server group of the complex blockchain group is back Passing a fuzzy comparison result to the query end, wherein the first query requirement and the fuzzy comparison result are recorded in the plurality of node servers; and the query end performs customer data review on the fuzzy comparison result, and Conduct a risk assessment and grading process. The blockchain-based risk list sharing system according to claim 1, wherein the blockchain group is a banking blockchain group, a securities and futures blockchain group, or an insurance block. Chain group. The blockchain-based risk list sharing system according to claim 2, wherein the institution to which the query end belongs belongs to a financial holding group, and the query terminal proposes a second query demand to the financial holding group, the financial holding group The other business formats to which it belongs are provided to the query side for the risk level of the customer. The blockchain-based risk list sharing system according to claim 2, wherein the query end belongs to A financial holding group, the query end returns the results of the risk assessment and grading process to the financial holding group. The blockchain-based risk list sharing system according to claim 1, wherein the supervision server belongs to a supervisory authority, and the supervisory authority periodically or irregularly serves the plurality of nodes of the blockchain group. The query is made. The blockchain-based risk list sharing system of claim 1, wherein the one of the supervision server and the financial intelligence center server is responsible for updating the risk list information. The blockchain-based risk list sharing system of claim 1, wherein the financial intelligence center server is affiliated with a financial intelligence center. The blockchain-based risk list sharing system according to claim 7, wherein the financial intelligence center is a survey department of the Ministry of Justice. The blockchain-based risk list sharing system according to claim 7, wherein the querying end declares the financial intelligence center according to the result of the risk assessment and the grading procedure.