CN115131027A - A real-time monitoring method for suspicious risk customers based on digital currency transactions to identify money laundering - Google Patents
A real-time monitoring method for suspicious risk customers based on digital currency transactions to identify money launderingDownload PDFInfo
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Abstract
Translated fromChinese
Description
Translated fromChinese技术领域technical field
本发明涉及数字货币交易技术领域，具体为一种基于数字货币交易识别洗钱的可疑风险客户实时监控方法。The invention relates to the technical field of digital currency transactions, in particular to a real-time monitoring method for customers with suspicious risk of money laundering identification based on digital currency transactions.
背景技术Background technique
现有的种基于数字货币交易识别洗钱的可疑风险客户实时监控还存在一定的缺陷；The existing real-time monitoring of customers with suspicious risk of money laundering identification based on digital currency transactions still has certain defects;
这种现有技术方案在使用时还存在以下问题：This prior art solution also has the following problems when used:
在实时监控追踪可疑客户信息是不便于快速对可疑客户的身份进行甄别，不能够及时的追踪交易数据的来源，并且没有建立相对完整的识别标准指标，从而导致可疑客户身份不能快速精准的进行锁定监控。In real-time monitoring and tracking of suspicious customer information, it is not convenient to quickly identify the identity of suspicious customers, it is impossible to track the source of transaction data in a timely manner, and relatively complete identification standard indicators have not been established, so that the identity of suspicious customers cannot be quickly and accurately locked. monitor.
所以需要针对上述问题进行改进。Therefore, it is necessary to improve the above problems.
发明内容SUMMARY OF THE INVENTION
本发明的目的在于提供一种基于数字货币交易识别洗钱的可疑风险客户实时监控方法，以解决上述背景技术提出的目前市场在实时监控追踪可疑客户信息是不便于快速对可疑客户的身份进行甄别，不能够及时的追踪交易数据的来源，并且没有建立相对完整的识别标准指标，从而导致可疑客户身份不能快速精准的进行锁定监控的问题。The purpose of the present invention is to provide a real-time monitoring method for suspicious risk customers based on digital currency transaction identification money laundering, so as to solve the problem that the current market in real-time monitoring and tracking of suspicious customer information proposed by the above-mentioned background technology is inconvenient to quickly screen the identities of suspicious customers, The source of transaction data cannot be tracked in a timely manner, and relatively complete identification standard indicators have not been established, resulting in the problem that the identity of suspicious customers cannot be locked and monitored quickly and accurately.
为实现上述目的，本发明提供如下技术方案：一种基于数字货币交易识别洗钱的可疑风险客户实时监控方法，包括以下步骤；In order to achieve the above purpose, the present invention provides the following technical solutions: a real-time monitoring method for customers with suspicious risk of money laundering based on digital currency transaction identification, comprising the following steps;
S1：在网上进行数据交易时，针对大额交易或可疑交易建立针对措施的制度，措施包含采取实名认证、终止交易、冻结账户等；S1: When conducting data transactions online, establish a system for taking measures against large-value transactions or suspicious transactions, including taking real-name authentication, terminating transactions, freezing accounts, etc.;
S2：建立大额交易和可疑交易的评估指标，设立数字货币的最大上额数值，再针对不符合交易要求的客户进行交易快速终止指令，即交易到达该额度后即不支持为该客户提供服务；S2: Establish evaluation indicators for large-value transactions and suspicious transactions, set the maximum value of digital currency, and then quickly terminate the transaction for customers who do not meet the transaction requirements, that is, after the transaction reaches the limit, the customer will not be supported. ;
S3：实时KYC(了解你的客户)措施，对客户资料进行调查，如客户发生异常操作，迅速向中央主机关单位进行交易数据的报告；S3: Real-time KYC (know your customer) measures, investigate customer data, and promptly report transaction data to the central host agency if abnormal operations occur to customers;
S4：对数字货币交易识别产生的信息、数据和资料进行保存，可以完整的重现每笔交易，对每笔交易进行追溯；S4: Save the information, data and materials generated by the identification of digital currency transactions, so that each transaction can be completely reproduced and each transaction can be traced;
S5：对符合识别特征的可疑风险客户进行大数据追踪，快速锁定交易客户的账户身份；S5: Carry out big data tracking of suspicious risk customers who meet the identification characteristics, and quickly lock the account identity of trading customers;
S6：实时追踪交易数据的来源，对海量交易数据进行处理，系统分析交易数据、追踪资金流向；S6: Track the source of transaction data in real time, process massive transaction data, systematically analyze transaction data, and track capital flow;
S7：分析对比最后结果，并且对结果进行档案留存规整，将规整后的数据信息在线传输到反洗钱中心进行数据存档，然后将信息分类上传至评估指标处。S7: Analyze and compare the final results, keep the results in a regular file, transmit the regularized data information online to the anti-money laundering center for data archiving, and then upload the information to the evaluation indicators by classification.
优选的，所述步骤S1和步骤S2所涉及大额交易和可疑交易的措施制度建立以及评估指标建立要设立专门的合规以及风险控制部门进行风险把控。Preferably, a special compliance and risk control department should be established for the establishment of measures and systems and the establishment of evaluation indicators for large-value transactions and suspicious transactions involved in the steps S1 and S2.
优选的，所述步骤S2中评估含有制裁名单的客户，可直接拒绝服务。Preferably, in the step S2, the customer that contains the sanction list is evaluated, and the service can be directly refused.
优选的，所述步骤S3中的KYC措施包括客户身份背景了解、客户职业或经营背景了解、交易目的与性质了解和资金来源渠道了解。Preferably, the KYC measures in the step S3 include understanding of the client's identity background, client's occupation or business background, understanding of the purpose and nature of the transaction, and understanding of the source of funds.
优选的，所述步骤S5中识别到符合特征的可疑客户可疑直接通过央行及中心运营机构可以掌握所有用户信息，通过大数据识别特定交易特征并快速比对锁定账户真实身份。Preferably, in the step S5, the suspicious customers that meet the characteristics are identified as suspicious, and the central bank and the central operating agency can directly grasp all user information, identify specific transaction characteristics through big data, and quickly compare the real identity of the locked account.
优选的，所述步骤S6中实时追踪交易数据的来源依托于中心运营机构上报交易请求，由反洗钱数据交易认证中心集中处理。Preferably, the source of the real-time tracking transaction data in the step S6 relies on the central operating agency reporting the transaction request, which is centrally processed by the anti-money laundering data transaction certification center.
优选的，所述步骤S6中系统分析将隐蔽的洗钱活动透明化，强化对交易信息的把控能力，及时甄别非法资金的源头和归属。Preferably, the systematic analysis in the step S6 makes the concealed money laundering activities transparent, strengthens the ability to control transaction information, and promptly identifies the source and ownership of illegal funds.
优选的，所述步骤S7中留档信息应当包括各方的数字钱包地址、IP地址以及数字货币类型和数量以及可疑客户的各项资料汇总。Preferably, the archived information in the step S7 should include the digital wallet addresses, IP addresses of all parties, the type and quantity of digital currencies, and various data summaries of suspicious customers.
与现有技术相比，本发明的有益效果是：该基于数字货币交易识别洗钱的可疑风险客户实时监控方法，首先建立关于反洗钱的制度措施以及建立大额交易和可疑交易的评估指标，快速甄别可疑客户的账户真实身份，且上交由反洗钱数据交易认证中心集中处理。Compared with the prior art, the beneficial effects of the present invention are: the real-time monitoring method for identifying suspicious risk customers of money laundering based on digital currency transactions, firstly establishes institutional measures for anti-money laundering and establishes evaluation indicators for large-value transactions and suspicious transactions, quickly. Identify the real identities of suspicious customers' accounts, and hand them over to the Anti-Money Laundering Data Transaction Certification Center for centralized processing.
首先建立关于反洗钱的制度措施以及建立大额交易和可疑交易的评估指标，可以对每笔交易进行追溯，对符合识别特征的可疑风险客户进行大数据追踪，快速锁定交易客户的账户身份，识别到符合特征的可疑客户可疑直接通过央行及中心运营机构可以掌握所有用户信息，通过大数据识别特定交易特征并快速比对锁定账户真实身份，实时追踪交易数据的来源，可利用大数据、人工智能等技术，对海量交易数据进行处理，系统分析交易数据、追踪资金流向，其中，追踪交易数据的来源依托于中心运营机构上报交易请求，由反洗钱数据交易认证中心集中处理，分析对比最后结果，并且对结果进行档案留存规整，将规整后的数据信息在线传输到反洗钱中心进行数据存档，最后将信息分类上传至评估指标处，留档信息应当包括各方的数字钱包地址、 IP地址以及数字货币类型和数量以及可疑客户的各项资料汇总。First, establish institutional measures for anti-money laundering and establish evaluation indicators for large-value transactions and suspicious transactions. Each transaction can be traced back, and suspicious risk customers who meet the identification characteristics can be tracked with big data, and the account identity of transaction customers can be quickly locked. Identify, identify When suspicious customers who meet the characteristics are suspicious, the central bank and central operating agencies can directly grasp all user information, identify specific transaction characteristics through big data and quickly compare and lock the real identity of the account, track the source of transaction data in real time, and use big data and artificial intelligence. and other technologies to process massive transaction data, systematically analyze transaction data, and track capital flow. Among them, the source of tracking transaction data relies on the transaction request reported by the central operating agency, which is centrally processed by the Anti-Money Laundering Data Transaction Certification Center, and the final results are analyzed and compared. In addition, the results are archived and organized, and the adjusted data information is transmitted online to the anti-money laundering center for data archiving. Finally, the information is classified and uploaded to the evaluation indicators. The archived information should include the digital wallet addresses, IP addresses and numbers of all parties. Currency type and amount, and a summary of various information about suspicious customers.
附图说明Description of drawings
图1为本发明原理示意图；Fig. 1 is the principle schematic diagram of the present invention;
图2为本发明流程示意图。Figure 2 is a schematic flow chart of the present invention.
具体实施方式Detailed ways
下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本发明一部分实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本发明保护的范围。The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, but not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.
请参阅图1-2，本发明提供一种技术方案：一种基于数字货币交易识别洗钱的可疑风险客户实时监控方法，包括以下步骤；Please refer to Figures 1-2, the present invention provides a technical solution: a real-time monitoring method for identifying suspicious risk customers of money laundering based on digital currency transactions, including the following steps;
S1：在网上进行数据交易时，针对大额交易或可疑交易建立针对措施的制度，措施包含采取实名认证、终止交易、冻结账户等；S2：建立大额交易和可疑交易的评估指标，设立数字货币的最大上额数值，再针对不符合交易要求的客户进行交易快速终止指令，即交易到达该额度后即不支持为该客户提供服务；S3：实时KYC(了解你的客户)措施，对客户资料进行调查，如客户发生异常操作，迅速向中央主机关单位进行交易数据的报告；S4：对数字货币交易识别产生的信息、数据和资料进行保存，可以完整的重现每笔交易，对每笔交易进行追溯；S5：对符合识别特征的可疑风险客户进行大数据追踪，快速锁定交易客户的账户身份；S6：实时追踪交易数据的来源，对海量交易数据进行处理，系统分析交易数据、追踪资金流向；S7：分析对比最后结果，并且对结果进行档案留存规整，将规整后的数据信息在线传输到反洗钱中心进行数据存档，然后将信息分类上传至评估指标处。所述步骤S1和步骤S2所涉及大额交易和可疑交易的措施制度建立以及评估指标建立要设立专门的合规以及风险控制部门进行风险把控。所述步骤S2中评估含有制裁名单的客户，可直接拒绝服务。所述步骤S3中的KYC措施包括客户身份背景了解、客户职业或经营背景了解、交易目的与性质了解和资金来源渠道了解。所述步骤S5中识别到符合特征的可疑客户可疑直接通过央行及中心运营机构可以掌握所有用户信息，通过大数据识别特定交易特征并快速比对锁定账户真实身份。所述步骤S6中实时追踪交易数据的来源依托于中心运营机构上报交易请求，由反洗钱数据交易认证中心集中处理。所述步骤S6中系统分析将隐蔽的洗钱活动透明化，强化对交易信息的把控能力，及时甄别非法资金的源头和归属。所述步骤S7中留档信息应当包括各方的数字钱包地址、IP地址以及数字货币类型和数量以及可疑客户的各项资料汇总。S1: When conducting data transactions online, establish a system for taking measures against large-value transactions or suspicious transactions. The measures include taking real-name authentication, terminating transactions, freezing accounts, etc.; S2: Establishing evaluation indicators for large-value transactions and suspicious transactions, and establishing digital The maximum value of the currency, and then quickly terminate the transaction for customers who do not meet the transaction requirements, that is, after the transaction reaches the limit, the customer will not be able to provide services; S3: real-time KYC (know your customer) measures, to customers Investigate the data. If the customer has an abnormal operation, quickly report the transaction data to the central host authority; S4: Save the information, data and materials generated by the identification of digital currency transactions, so that each transaction can be completely reproduced, and each transaction can be completely reproduced. Traceability of transactions; S5: Big data tracking of suspicious risk customers that meet the identification characteristics, and quickly lock the account identity of transaction customers; S6: Real-time tracking of the source of transaction data, processing of massive transaction data, systematic analysis of transaction data, tracking Fund flow; S7: Analyze and compare the final results, keep the results in a regular file, transmit the regularized data information online to the anti-money laundering center for data archiving, and then upload the information to the evaluation indicators by classification. For the establishment of measures and systems for large-value transactions and suspicious transactions involved in steps S1 and S2 and the establishment of evaluation indicators, a special compliance and risk control department should be established to control risks. In the step S2, the client that contains the sanction list is evaluated, and the service can be directly refused. The KYC measures in the step S3 include the understanding of the client's identity background, the client's occupation or business background, the purpose and nature of the transaction, and the source of funds. In the step S5, if a suspicious customer that meets the characteristics is identified as suspicious, the central bank and the central operating agency can directly grasp all user information, identify specific transaction characteristics through big data, and quickly compare the real identity of the locked account. The source of the real-time tracking transaction data in the step S6 relies on the central operating agency reporting the transaction request, which is centrally processed by the anti-money laundering data transaction certification center. In the step S6, the system analysis makes hidden money laundering activities transparent, strengthens the ability to control transaction information, and timely identifies the source and ownership of illegal funds. The archived information in the step S7 should include the digital wallet addresses, IP addresses of all parties, the type and quantity of digital currencies, and various data summaries of suspicious customers.
首先建立关于反洗钱的制度措施以及建立大额交易和可疑交易的评估指标，快速甄别可疑客户的账户真实身份，且上交由反洗钱数据交易认证中心集中处理，并且对结果进行档案留存规整，将规整后的数据信息在线传输到反洗钱中心进行数据存档。First, establish institutional measures for anti-money laundering and establish evaluation indicators for large-value transactions and suspicious transactions, quickly identify the real identities of suspicious customers’ accounts, and hand them over to the Anti-Money Laundering Data Transaction Certification Center for centralized processing, and the results are kept in files and organized. The regulated data information is transmitted online to the anti-money laundering center for data archiving.
工作原理：如图1-2所示，在使用该基于数字货币交易识别洗钱的可疑风险客户实时监控方法时，首先，建立关于反洗钱的制度措施以及建立大额交易和可疑交易的评估指标，再针对不同的措施和指标下设专门的合规以及风险控制部门进行风险把控，制度措施要求在线上产生大额交易之前要先采取实名认证，规定不符合的交易何如终止，在存在可疑风险客户时可以线上冻结账户，评估指标含有不符合交易要求的风险客户资料信息，和超过交易限额的范畴，针对不符合交易要求的客户进行交易快速终止指令，即交易到达该额度后即不支持为该客户提供服务，若识别到制裁名单的客户，可直接拒绝服务。针对可疑客户迅速对客户资料进行调查，如客户发生异常操作，迅速向中央主机关单位进行交易数据的报告，且调查对包括客户身份背景了解、客户职业或经营背景了解、交易目的与性质了解和资金来源渠道了解。对线上数字货币交易识别产生的信息、数据和资料进行保存，可以完整的重现每笔交易，对每笔交易进行追溯，对符合识别特征的可疑风险客户进行大数据追踪，快速锁定交易客户的账户身份，识别到符合特征的可疑客户可疑直接通过央行及中心运营机构可以掌握所有用户信息，通过大数据识别特定交易特征并快速比对锁定账户真实身份，实时追踪交易数据的来源，可利用大数据、人工智能等技术，对海量交易数据进行处理，系统分析交易数据、追踪资金流向，其中，追踪交易数据的来源依托于中心运营机构上报交易请求，由反洗钱数据交易认证中心集中处理，分析对比最后结果，并且对结果进行档案留存规整，将规整后的数据信息在线传输到反洗钱中心进行数据存档，最后将信息分类上传至评估指标处，留档信息应当包括各方的数字钱包地址、IP地址以及数字货币类型和数量以及可疑客户的各项资料汇总，本说明中未作详细描述的内容属于本领域专业技术人员公知的现有技术。Working principle: As shown in Figure 1-2, when using this real-time monitoring method for customers with suspicious risk of money laundering based on digital currency transactions, first, establish institutional measures for anti-money laundering and establish evaluation indicators for large-value transactions and suspicious transactions. Then there are special compliance and risk control departments under different measures and indicators to control risks. The system measures require real-name authentication before large-value transactions are generated online, and stipulate how to terminate non-compliant transactions. In the event of suspicious risks Customers can freeze their accounts online. The evaluation indicators contain risky customer information that does not meet the transaction requirements, and the category exceeds the transaction limit. For customers who do not meet the transaction requirements, the transaction is quickly terminated, that is, after the transaction reaches the limit, it will not be supported. Provide services to this customer, and if a customer on the sanction list is identified, the service can be directly refused. Investigate customer information quickly for suspicious customers. If the customer has abnormal operations, report the transaction data to the central main authority quickly, and the investigation will include understanding of the customer's identity background, customer's occupation or business background, transaction purpose and nature. Understand the sources of funding. The information, data and materials generated by online digital currency transaction identification can be stored, so that each transaction can be completely reproduced, each transaction can be traced back, and the suspicious risk customers who meet the identification characteristics can be tracked with big data, and the transaction customers can be quickly locked. The identity of the account is identified, and the suspicious customers who meet the characteristics are identified as suspicious. The central bank and the central operating agency can directly grasp all user information, identify specific transaction characteristics through big data and quickly compare the real identity of the locked account, and track the source of transaction data in real time. Big data, artificial intelligence and other technologies process massive transaction data, systematically analyze transaction data, and track capital flow. Among them, the source of tracking transaction data relies on the transaction request reported by the central operating agency, which is centrally processed by the Anti-Money Laundering Data Transaction Certification Center. Analyze and compare the final results, and keep the results in a regular file, transfer the regularized data information online to the anti-money laundering center for data archiving, and finally upload the information to the evaluation index by classification. The archived information should include the digital wallet addresses of all parties. , IP address, type and quantity of digital currency, and various data summary of suspicious customers, the content not described in detail in this description belongs to the prior art known to those skilled in the art.
尽管参照前述实施例对本发明进行了详细的说明，对于本领域的技术人员来说，其依然可以对前述各实施例所记载的技术方案进行修改，或者对其中部分技术特征进行等同替换，凡在本发明的精神和原则之内，所作的任何修改、等同替换、改进等，均应包含在本发明的保护范围之内。Although the present invention has been described in detail with reference to the foregoing embodiments, for those skilled in the art, it is still possible to modify the technical solutions described in the foregoing embodiments, or to perform equivalent replacements for some of the technical features. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.
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