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1. (WO2019032355) SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR DETECTING POTENTIAL MONEY LAUNDERING ACTIVITIES
Latest bibliographic data on file with the International BureauSubmit observation

Pub. No.: WO/2019/032355 International Application No.: PCT/US2018/044904
Publication Date: 14.02.2019 International Filing Date: 02.08.2018
IPC:
G06Q 20/32 (2012.01) ,G06Q 20/40 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
30
characterised by the use of specific devices
32
using wireless devices
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
40
Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Applicants:
VISA INTERNATIONAL SERVICE ASSOCIATION [US/US]; P.O. Box 8999 San Francisco, California 94128, US
Inventors:
VENKATESH, Karthik; US
JAMALIAN, Morvarid; US
MAHROUS, Morhaf; US
Agent:
PREPELKA, Nathan, J.; US
CZAJKOWSKI, Steven, D.; US
EHRET, Christian, D.; US
PASSODELIS, William, C.; US
Priority Data:
15/673,91210.08.2017US
Title (EN) SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR DETECTING POTENTIAL MONEY LAUNDERING ACTIVITIES
(FR) SYSTÈME, PROCÉDÉ ET PRODUIT PROGRAMME INFORMATIQUE DE DÉTECTION D'ACTIVITÉS POTENTIELLES DE BLANCHIMENT D'ARGENT
Abstract:
(EN) Provided is a computer-implemented method for detecting potential money laundering activities. The method may include determining an overall transaction product category risk score for each transaction product category of a plurality of transaction product categories, where the overall transaction product category risk score is based on transaction data, a transaction product category risk score associated with the at least one issuer institution for each transaction product category, an issuer institution risk score associated with the at least one issuer institution, and a geographic risk score associated with the at least one issuer institution, determining an overall issuer institution risk score associated with the at least one issuer institution, determining whether the overall issuer institution risk score satisfies a threshold value, generating a notification, and communicating the notification to a client device based on generating the notification. A system and computer program product are also disclosed.
(FR) L'invention concerne un procédé informatisé de détection d'activités potentielles de blanchiment d'argent. Le procédé peut comprendre les étapes consistant à : déterminer un score de risque global d'une catégorie de produits de transactions pour chaque catégorie de produits de transactions d'une pluralité de catégories de produits de transactions, le score de risque global d'une catégorie de produits de transactions étant basé sur des données de transactions, un score de risque d'une catégorie de produits de transactions associé audit au moins un établissement émetteur pour chaque catégorie de produits de transactions, un score de risque de l'établissement émetteur associé audit au moins un établissement émetteur et un score de risque géographique associé audit au moins un établissement émetteur; déterminer un score de risque global de l'établissement émetteur associé audit au moins un établissement émetteur; déterminer si le score de risque global de l'établissement émetteur correspond à une valeur de seuil; générer une notification; et communiquer la notification à un dispositif client sur la base de la génération de la notification. L'invention concerne également un système et un produit programme informatique.
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Organization (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)