CN112100287B - Integrated cloud KYC method based on dynamic programming technology - Google Patents
Integrated cloud KYC method based on dynamic programming technology Download PDFInfo
- Publication number
- CN112100287B CN112100287B CN202010964783.0A CN202010964783A CN112100287B CN 112100287 B CN112100287 B CN 112100287B CN 202010964783 A CN202010964783 A CN 202010964783A CN 112100287 B CN112100287 B CN 112100287B
- Authority
- CN
- China
- Prior art keywords
- module
- data
- kyc
- calling
- request
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
- 238000000034 method Methods 0.000 title claims abstract description 29
- 238000012545 processing Methods 0.000 claims abstract description 20
- 230000010354 integration Effects 0.000 claims description 4
- 238000009417 prefabrication Methods 0.000 claims description 4
- 230000007704 transition Effects 0.000 claims description 4
- 238000012550 audit Methods 0.000 claims description 3
- 238000012216 screening Methods 0.000 claims description 3
- 238000003860 storage Methods 0.000 claims description 3
- 238000013461 design Methods 0.000 description 3
- 238000005457 optimization Methods 0.000 description 3
- 230000004927 fusion Effects 0.000 description 2
- 238000010586 diagram Methods 0.000 description 1
- 238000004519 manufacturing process Methods 0.000 description 1
- 230000001105 regulatory effect Effects 0.000 description 1
- 238000012795 verification Methods 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/28—Databases characterised by their database models, e.g. relational or object models
- G06F16/283—Multi-dimensional databases or data warehouses, e.g. MOLAP or ROLAP
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0201—Market modelling; Market analysis; Collecting market data
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Development Economics (AREA)
- Databases & Information Systems (AREA)
- Finance (AREA)
- Theoretical Computer Science (AREA)
- Accounting & Taxation (AREA)
- Data Mining & Analysis (AREA)
- Physics & Mathematics (AREA)
- Entrepreneurship & Innovation (AREA)
- General Physics & Mathematics (AREA)
- General Engineering & Computer Science (AREA)
- Game Theory and Decision Science (AREA)
- Economics (AREA)
- Marketing (AREA)
- General Business, Economics & Management (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
The invention discloses an integrated cloud KYC method based on a dynamic programming technology, which comprises a request processing module, a cloud data warehouse module, a data calling module, a data auditing module and a report generating module, wherein each module is provided with a corresponding state code and optimal solution logic, the state of the module is optimized and transferred through dynamic programming, the request processing module receives a KYC request and analyzes the request, the processed request is sent to the data calling module, the data calling module automatically identifies and selects an optimal calling mode according to the request content, a data source is selected from the cloud data warehouse module to be called, the called original data enters the data auditing module to be audited, and the audited data is subjected to customizable KYC report generation through the report generating module. The invention has the advantages that one-stop standardized and customizable KYC report generation service can be provided, the efficiency of the KYC process is greatly improved, and the KYC cost of enterprises is reduced.
Description
Technical Field
The invention relates to the technical field of KYC based on dynamic programming, in particular to an integrated cloud KYC method based on a dynamic programming technology.
Background
KYC (Know Your Customer) knows your clients, meaning that the enterprise knows his own clients comprehensively according to business requirements. In international business, KYC has become an important part of regulatory compliance requirements based on the requirements related to international laws (backwash Qian Fa, anti-fraud, anti-terrorist financing). KYC business is generally reported as the final output. On one hand, the KYC report can reduce business risk and meet compliance requirements; on the other hand, enterprises also have to consider the labor costs, time costs, and data source costs involved in generating KYC reports.
Disclosure of Invention
The invention aims to solve the problems, and designs an integrated cloud KYC method based on a dynamic programming technology.
The technical scheme includes that the integrated cloud KYC method based on the dynamic programming technology comprises a request processing module, a cloud data warehouse module, a data calling module, a data auditing module and a report generating module, wherein each module is provided with a corresponding state code and optimal solution logic, the state of the module is optimized and transferred through dynamic programming, the request processing module receives a KYC request and analyzes the request, then the processed request is sent to the data calling module, the data calling module automatically identifies and selects an optimal calling mode according to the request content, a data source is selected from the cloud data warehouse module to call, the called original data enters the data auditing module to audit, and the audited data is subjected to customizable KYC report generation through the report generating module.
As a further illustration of the present invention, the request processing module intelligently parses the request and divides it.
As a further explanation of the invention, the request processing module can intelligently call the corresponding report templates and data sources according to the KYC client country, category and business direction, realize the standardized processing of the KYC request and provide parameter support for the state transition of the later module 。
As a further explanation of the invention, the cloud data warehouse module realizes classified storage and classified calling of offline data sources, and realizes efficient data screening and integration.
As a further illustration of the present invention, the data call module may perform customizable calls to online data sources in the cloud data warehouse module, and may implement automated calls according to pre-made call logic.
As a further illustration of the present invention, the data calling module executes preset calling rules according to the request, and the module does not set the final state and can be called infinitely.
As a further explanation of the invention, the data auditing module performs standardized auditing on the screened data, checks the integrity, compliance and accuracy of the data, and sets an optimal result according to a perfect report template, and optimizes the entry of the data calling module with the optimal result as a target, wherein the final state of the module is that the perfect report template target is achieved.
As a further explanation of the invention, the report generation module performs customizable processing on the data source, automatically generates a templated and standardized KYC report, and the audited data is subjected to customizable, templated and standardized KYC report generation through the report generation module.
As a further explanation of the invention, when the data calling module enters the data auditing module from the data source called in the cloud data warehouse module for auditing, if the requirement of system prefabrication, namely the information integrity and the information category number, cannot be met, the data calling module re-performs the data calling; at that time, the data calling module iterates the calling logic, and more data sources are selected from the cloud data warehouse module until the data quality reaches the standard.
As a further illustration of the present invention, when a multi-stage decision problem is handled by dynamic programming, starting from an initial state, through the selection of intermediate stage decisions, an end state is reached, which forms a decision sequence, while an active route, i.e. an optimal active route, is determined which completes the whole process, requiring the following steps:
initial state- →decision 1- →decision 2- → … - →decision n- →end state
The whole process can automatically and intelligently iterate until all modules are in an end state, and the intelligent generation of the complete KYC report is completed.
The method has the advantages that when a KYC request exists, the request is sent to a data request module for standardized processing, then the processed request is sent to a data calling module, the data calling module automatically identifies and selects an optimal calling mode according to the request content, a data source is selected from a cloud data warehouse module for calling, the called original data enters a data auditing module for auditing, the audited data passes through a report generating module for customizable KYC report generation, and if the audited data does not pass through, the requirement of system prefabrication cannot be met, the data calling is carried out again; the data calling module can iterate the calling logic at the moment, more data sources are selected from the cloud data warehouse module until the data quality reaches the standard, the multi-data source efficient fusion can be realized, the automatic selection, editing, integration and calling of the data sources are realized through the intelligent data calling module, one-stop standardized and customizable KYC report generation service is provided, the efficiency of a KYC process is greatly improved, and the KYC cost of an enterprise is reduced.
Drawings
Fig. 1 is a block diagram of the structure of the present invention.
Detailed Description
Firstly, explaining the design of the invention, the international KYC business often relates to data sources in a plurality of national regions, the data formats are not uniform, the KYC report is difficult to generate, the flow is complicated, the manpower resource consumption is large, the time is long, only one data source can be covered based on the KYC report, and the fusion difficulty of the data sources is large. The problems of incomplete information coverage, unstable data channels (no backup), high data source cost and the like exist in a single data source, and the standardized flow is difficult to realize in report production due to the lack of unified standards of KYC reports and large format differences of the data sources, so a method is required to be sought to solve the problems.
Dynamic programming technology is a new technology that has emerged in recent years, which means that each decision depends on the current state, and then causes a state transition. A decision sequence is generated in a changing state, so the process of solving the problem by using multi-stage optimization decision is called dynamic programming, and generally, the problem solved by using dynamic programming has 3 properties:
(1) Optimization principle: if the solution of the sub-problem contained in the optimal solution of the problem is also optimal, the problem is said to have an optimal sub-structure, i.e. to satisfy the optimization principle;
(2) No post-effect: that is, once a state of a certain stage is determined, the state is not influenced by the decision after the state, that is, the process after the state does not influence the previous state and is only related to the current state;
(3) There are overlapping sub-problems: i.e., the sub-questions are not independent of each other, one sub-question may be used multiple times in the next stage decision.
The above is some of the features of dynamic programming, which in practical applications can be designed in several simplified steps:
(1) Analyzing the property of the optimal solution and describing the structural characteristics of the optimal solution;
(2) Recursively defining an optimal solution;
(3) Calculating an optimal value in a bottom-up or top-down memorization mode (memo method);
(4) And constructing an optimal solution of the problem according to the information obtained when the optimal value is calculated.
The invention relates to an integrated cloud KYC method based on a dynamic programming technology, which follows the implementation principle of dynamic programming, and is specifically described below with reference to the accompanying drawings:
as shown in fig. 1, the KYC procedure is first divided into five stages, implemented by five modules: the system comprises a request processing module, a cloud data warehouse module, a data calling module, a data auditing module and a report generating module, wherein the whole flow of all the modules is realized by deployment in the cloud, the manual intervention is minimized, and an automatic efficient report generating scheme is provided based on intelligent logic judgment; each module is provided with a corresponding state code and optimal solution logic, the state of the module is optimized and transferred through dynamic programming, a request processing module receives a KYC request and analyzes the request, then the processed request is sent to a data calling module, the data calling module automatically identifies and selects an optimal calling mode according to the request content, a data source is selected from a cloud data warehouse module to call, the called original data enters a data auditing module to audit, and the audited data is subjected to customizable KYC report generation through a report generating module; if the verification is not passed and the system prefabrication requirement, namely the information integrity and the information category number cannot be met, the data call is carried out again; the data calling module can iterate the calling logic at the moment, and more data sources are selected from the cloud data warehouse module until the data quality reaches the standard.
When a KYC request exists, the request processing module intelligently analyzes the request, divides the request, intelligently invokes a corresponding report template and a data source according to the country, the category and the service direction of a KYC client, realizes standardized processing of the KYC request, provides parameter support for state transition of a later module, and can specifically comprise the category (personal or enterprise), the name, the country, the unique identification code, the KYC requirement and the like of a request object.
The cloud data warehouse module realizes classified storage and classified calling of offline data sources, and efficient data screening and integration are realized; the data calling module can perform customizable calling on an online data source in the cloud data warehouse module, can realize automatic calling according to the prefabricated calling logic, can execute preset calling rules according to a request, does not set a final state, and can be called infinitely.
The data auditing module performs standardized auditing on the screened data, verifies the integrity, compliance and accuracy of the data, sets an optimal result according to a perfect report template, optimizes the entry of the data calling module by taking the optimal result as a target, and achieves the target of the perfect report template in the final state of the module.
The report generation module performs customizable processing on the data source, automatically generates a templated and standardized KYC report, and the data passing the auditing is subjected to customizable, templated and standardized KYC report generation through the report generation module.
The modules are all based on planning to complete corresponding tasks, the problem handled by dynamic planning is a multi-stage decision problem, generally starting from an initial state, and achieving an end state through the selection of intermediate stage decisions; these decisions form a decision sequence that determines an active route (typically the optimal active route) that completes the entire process. The design of dynamic programming has a certain mode and generally goes through the following steps:
initial state- →decision 1- →decision 2- → … - →decision n- →end state
The whole process can automatically and intelligently iterate until all modules are in an end state, and complete intelligent generation of a KYC report is realized, so that the efficiency of the KYC process is effectively and greatly improved, and the KYC cost of an enterprise is reduced.
The above technical solution only represents the preferred technical solution of the present invention, and some changes that may be made by those skilled in the art to some parts of the technical solution represent the principles of the present invention, and the technical solution falls within the scope of the present invention.
Claims (7)
1. The integrated cloud KYC method based on the dynamic programming technology is characterized by comprising a request processing module, a cloud data warehouse module, a data calling module, a data auditing module and a report generating module, wherein each module is provided with a corresponding state code and optimal solution logic, the state of the module is optimized and transferred through dynamic programming, the request processing module receives a KYC request and analyzes the request, then the processed request is sent to the data calling module, the data calling module automatically identifies and selects an optimal calling mode according to the request content, a data source is selected from the cloud data warehouse module to be called, the called original data enters the data auditing module to be audited, and the audited data is subjected to customizable KYC report generation through the report generating module;
the request processing module intelligently analyzes the requests and divides the requests;
the request processing module can intelligently call corresponding according to the KYC client country, the category and the business directionReport template and data source, realize the standardized processing of KYC request, provide parameter support for the state transition of the later module ；
When a multi-stage decision problem is processed through dynamic programming, starting from an initial state, and selecting intermediate stage decisions to reach an end state, the decisions form a decision sequence, and an active route for completing the whole process, namely an optimal active route, is determined, and the following steps are needed to be carried out:
initial state- →decision 1- →decision 2- → … - →decision n- →end state
The whole process can automatically and intelligently iterate until all modules are in an end state, and the intelligent generation of the complete KYC report is completed.
2. The integrated cloud KYC method based on the dynamic programming technology of claim 1, wherein the cloud data warehouse module is used for realizing classified storage and classified calling of offline data sources and efficient data screening and integration.
3. The integrated cloud KYC method based on the dynamic programming technology of claim 1, wherein the data calling module can perform customizable calling on online data sources in the cloud data warehouse module and can realize automatic calling according to a preset calling logic.
4. The integrated cloud KYC method based on the dynamic programming technology of claim 1, wherein the data calling module executes preset calling rules according to the request, and the module does not set a final state and can be called infinitely.
5. The method of claim 1, wherein the data auditing module performs standardized auditing on the screened data, verifies the integrity, compliance and accuracy of the data, and the data auditing module sets an optimal result according to a perfect report template, optimizes the participation of the data calling module with the optimal result as a target, and achieves the goal of the perfect report template in the final state of the module.
6. The integrated cloud KYC method based on the dynamic programming technology according to claim 1, wherein the report generating module performs customizable processing on the data source, automatically generates a templated and standardized KYC report, and the data passing the audit is generated by the report generating module in a customizable, templated and standardized manner.
7. The integrated cloud KYC method based on the dynamic programming technology of claim 1, wherein when the data calling module enters the data auditing module from the data source called in the cloud data warehouse module for auditing, if the requirement of system prefabrication, namely the information integrity and the information category number, cannot be met, the data calling module is used for carrying out data calling again; at that time, the data calling module iterates the calling logic, and more data sources are selected from the cloud data warehouse module until the data quality reaches the standard.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010964783.0A CN112100287B (en) | 2020-09-15 | 2020-09-15 | Integrated cloud KYC method based on dynamic programming technology |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010964783.0A CN112100287B (en) | 2020-09-15 | 2020-09-15 | Integrated cloud KYC method based on dynamic programming technology |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN112100287A CN112100287A (en) | 2020-12-18 |
| CN112100287B true CN112100287B (en) | 2023-12-29 |
Family
ID=73751036
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202010964783.0A Active CN112100287B (en) | 2020-09-15 | 2020-09-15 | Integrated cloud KYC method based on dynamic programming technology |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN112100287B (en) |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102004964A (en) * | 2010-12-06 | 2011-04-06 | 广东够快物流信息科技有限公司 | FRID based public warehouse real-time information management system and management method thereof |
| CN106779087A (en) * | 2016-11-30 | 2017-05-31 | 福建亿榕信息技术有限公司 | A kind of general-purpose machinery learning data analysis platform |
| CN108509491A (en) * | 2018-02-12 | 2018-09-07 | 阿方提法律咨询（上海）有限公司 | A kind of enterprise's responsible investigation data processing system and method |
| CN109359284A (en) * | 2018-09-25 | 2019-02-19 | 深圳市稳大网络技术有限公司 | A kind of reporting and processing method, device and terminal device |
| CN110147541A (en) * | 2019-05-23 | 2019-08-20 | 北京神州泰岳软件股份有限公司 | A kind of generation method and device of economic report |
| US10628244B1 (en) * | 2019-10-29 | 2020-04-21 | Snowflake Inc. | Calling external functions from a data warehouse |
Family Cites Families (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CA2354372A1 (en) * | 2001-02-23 | 2002-08-23 | Efunds Corporation | Electronic payment and authentication system with debit and identification data verification and electronic check capabilities |
-
2020
- 2020-09-15 CN CN202010964783.0A patent/CN112100287B/en active Active
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102004964A (en) * | 2010-12-06 | 2011-04-06 | 广东够快物流信息科技有限公司 | FRID based public warehouse real-time information management system and management method thereof |
| CN106779087A (en) * | 2016-11-30 | 2017-05-31 | 福建亿榕信息技术有限公司 | A kind of general-purpose machinery learning data analysis platform |
| CN108509491A (en) * | 2018-02-12 | 2018-09-07 | 阿方提法律咨询（上海）有限公司 | A kind of enterprise's responsible investigation data processing system and method |
| CN109359284A (en) * | 2018-09-25 | 2019-02-19 | 深圳市稳大网络技术有限公司 | A kind of reporting and processing method, device and terminal device |
| CN110147541A (en) * | 2019-05-23 | 2019-08-20 | 北京神州泰岳软件股份有限公司 | A kind of generation method and device of economic report |
| US10628244B1 (en) * | 2019-10-29 | 2020-04-21 | Snowflake Inc. | Calling external functions from a data warehouse |
Non-Patent Citations (2)
| Title |
|---|
| 元数据驱动的分析检测报告系统的实现;高薇;;信息系统工程(06);16-17 * |
| 基于动态规划的CTCS-1级列控系统测试序列自动生成方法研究;李智;《中国优秀硕士学位论文全文数据库 工程科技Ⅱ辑》(第7期);C033-93 * |
Also Published As
| Publication number | Publication date |
|---|---|
| CN112100287A (en) | 2020-12-18 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN101266669B (en) | Project process workflow based on plan template and its implementation method | |
| CN109615138B (en) | Operation flow optimizing method and device | |
| CN112101895A (en) | Establishment method and system supporting adaptation of workflow client and workflow engine | |
| CN105589968A (en) | Data summarization system and method | |
| CN115599524A (en) | Data lake system based on cooperative scheduling processing of streaming data and batch data | |
| CN112100287B (en) | Integrated cloud KYC method based on dynamic programming technology | |
| Deng et al. | Computational operations research exchange (core): A cyber-infrastructure for analytics | |
| CN110782225A (en) | Workflow dynamic reconstruction method for parameter value influence flow branch | |
| CN113139780A (en) | Office automation OA intelligent office management system | |
| CN110941463B (en) | Remote sensing satellite data preprocessing multistage product self-driven system | |
| CN110176276B (en) | Biological information analysis process management method and system | |
| CN112688802A (en) | High-performance exchange middleware based on API gateway | |
| CN108830541A (en) | Issue management method and management system on a kind of line | |
| CN112948251A (en) | Automatic software testing method and device | |
| CN110780859B (en) | Method for realizing service architecture based on user-defined form | |
| Gružauskas et al. | EXPERT SYSTEM FOR THE FREIGHT COORDINATION BASED ON ARTIFICIAL INTELLIGENCE. | |
| CN1452733A (en) | Dispatching component for associating mfg. facility service requestors with service providers | |
| Wang et al. | A data enabled operation-based simulation for automotive assembly | |
| CN117194529A (en) | Intelligent generation system for steel consultation report | |
| CN116150222B (en) | Auxiliary decision-making method based on big data | |
| CN115509721B (en) | Cooperative control scheduling method and system for data processing tasks | |
| CN117648071A (en) | Automatic configuration method and system for CP tool chain based on AI technology | |
| CN117455425A (en) | Method and system for counting various information | |
| Ju | Smart Factory Policies and SMEs’ Productivity in Korea | |
| CN117592749A (en) | Intelligent dispatching method and system for assembled building elements by BIM technology |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| CB03 | Change of inventor or designer information |
Inventor after: Wang Dejia Inventor after: Tian Jing Inventor after: Zhu Xuguang Inventor before: Zhu Xuguang Inventor before: Wang Dejia Inventor before: Tian Jing |
|
| CB03 | Change of inventor or designer information | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |