Automated risk visualization using customer-centric data analysis

Patent metadata

Field	Value
Publication number	US-11769096-B2
Application number	US-202217568684-A
Country	US
Kind code	B2
Filing date	Jan 4, 2022
Priority date	Jul 13, 2017
Publication date	Sep 26, 2023
Grant date	Sep 26, 2023

Abstract

A customer risk trigger associated with a customer may be identified. A response to the customer risk trigger may be detected. First risk analysis data related to the customer risk trigger may be gathered, based on the response, from a first datastore. Second risk analysis data related to the customer risk trigger may be gathered, based on the response, from a second datastore. A customer risk profile to model risk attribute(s) of the customer may be gathered. The risk attributes may represent a risk correlation between the customer and a prohibited act. Customer risk visualization tool(s) configured to facilitate visual user interaction with the customer risk profile may be gathered. The customer risk visualization tools may be rendered in a display of the computing system. The customer risk visualization tools provide a customer-centric view of risk for various applications, including anti-money laundering applications.

First claim

The invention claimed is:

1. A method being implemented by a computing system including one or more physical processors and a storage media storing machine-readable instructions, the method comprising:
receiving a trigger associated with an entity, wherein the trigger is associated with one or more of a request to perform an electronic transfer by the entity, an indication that the entity is on a known suspicious list, and a request to access information relating to the entity;
gathering, in response to the trigger, first analysis data from a first datastore, the first analysis data comprising data relating to payments and the first datastore is associated with a payment screening system;
gathering, in response to the trigger, second analysis data from a second datastore, the second analysis data comprising results of criminal activity from an investigation of intermediate and final institutions, or data of biographic and location information associated with the entity;
modeling, based on the first analysis data and the second analysis data, a profile associated with the entity, the profile including one or more attributes that provide information of assets and liabilities in accounts associated with the entity, countries of transactions, institutional codes of the transactions, originators and beneficiaries of the transactions, or a corporate structure of a second entity associated with the entity;
rendering, based on the profile, using one or more visualization tools, a first tab that, upon selected, displays information of the accounts associated with the entity and information of the entity, wherein:
the information of the accounts includes a first column identifying one or more debits and one or more credits across the accounts and a second column identifying a risk associated with the accounts, the risk being dynamically updated; and
the information of the entity includes a third column identifying sales associated with the entity and a fourth column identifying a risk associated with a related entity to the entity, the fourth column being positioned at least partially below the second column and the third column being positioned at least partially below the first column;

rendering, based on the profile, using the one or more visualization tools, a second tab that, upon selection, populates a first region including a filter selection region and a second region including a pictorial depiction that has a connection graph comprising nodes connected by one or more edges, the nodes representing accounts associated with the entity, companies at which the accounts are held, or persons accessing the accounts, and the one or more edges representing relationships among the accounts, the companies, or the persons, wherein the second region is populated based on filters selected in the first region; and
rendering, based on the profile, using the one or more visualization tools, a third tab that, upon selection, populates a third region including a second filter selection region and a fourth region including a second pictorial depiction that has a graph of transactions associated with the entity, wherein the graph provides data relating to transaction volume, transaction value, or average transaction amount over a time period, and wherein the fourth region is populated based on filters selected in the third region; and
selectively modifying an alert or a process of generating an alert based on information within any of the rendered first tab, the rendered second tab, and the rendered third tab.

2. The method of claim 1 , wherein the first datastore comprises an internal datastore.

3. The method of claim 1 , wherein the first analysis data further comprises background data associated with the entity.

4. The method of claim 1 , wherein the first analysis data further comprises transaction data about a transaction requested by the entity.

5. The method of claim 1 , wherein the graph further includes a filter to filter the transactions based on account types and transaction amounts.

6. The method of claim 1 , wherein the second analysis data further comprises financial data associated with the entity.

7. The method of claim 1 , wherein the one or more credits and the one or more debits reflect an annual credit and an annual debit, and the sales reflect annual sales.

8. A system comprising:
one or more processors; and
a memory storing instructions that, when executed by the one or more processors, cause the system to perform:
receiving a trigger associated with an entity, wherein the trigger is associated with one or more of a request to perform an electronic transfer by the entity, an indication that the entity is on a known suspicious list, and a request to access information relating to the entity;
gathering, in response to the trigger, first analysis data from a first datastore, the first analysis data comprising data relating to payments and the first datastore is associated with a payment screening system;
gathering, in response to the trigger, second analysis data from a second datastore, the second analysis data comprising results of criminal activity from an investigation of intermediate and final institutions, or data of biographic and location information associated with the entity;
modeling, based on the first analysis data and the second analysis data, a profile associated with the entity, the profile including one or more attributes that provide information of assets and liabilities in accounts associated with the entity, countries of transactions, institutional codes of the transactions, originators and beneficiaries of the transactions, or a corporate structure of a second entity associated with the entity;
rendering, based on the profile, using one or more visualization tools, a first tab that, upon selected, displays information of the accounts associated with the entity and information of the entity, wherein:
the information of the accounts includes a first column identifying one or more debits and one or more credits across the accounts and a second column identifying a risk associated with the accounts, the risk being dynamically updated; and
the information of the entity includes a third column identifying sales associated with the entity and a fourth column identifying a risk associated with a related entity to the entity, the fourth column being positioned at least partially below the second column and the third column being positioned at least partially below the first column;

rendering, based on the profile, using the one or more visualization tools, a second tab that, upon selection, populates a first region including a filter selection region and a second region including a pictorial depiction that has a connection graph comprising nodes connected by one or more edges, the nodes representing accounts associated with the entity, companies at which the accounts are held, or persons accessing the accounts, and the one or more edges representing relationships among the accounts, the companies, or the persons, wherein the second region is populated based on filters selected in the first region;
rendering, based on the profile, using the one or more visualization tools, a third tab that, upon selection, populates a third region including a second filter selection region and a fourth region including a second pictorial depiction that has a graph of transactions associated with the entity, wherein the graph provides data relating to transaction volume, transaction value, or average transaction amount over a time period, and wherein the fourth region is populated based on filters selected in the third region; and
selectively modifying an alert or a process of generating an alert based on information within any of the rendered first tab, th

Assignees

• Palantir Technologies Inc

Inventors

• Maass Alexander
• Regev Ben
• Hoffman Duncan
• Mak Eugene
• Norman Elise
• Patitucci Elizabeth
• Shevchuk Yevhen
• Singh Harkirat
• Aschheim Joshua
• Puig Juan Jimenez
• Van Den Bergh Jorien
• Kamberger Kai
• Biskupiak Maciej
• Miracolo Marissa
• Wilson Matthew Julius
• Prettejohn Nicolas
• Walter Patrick
• Patel Rootul
• Heitkamp Stephen
• Deitch Richard

Classifications

• G06Q10/0635 Primary

  Risk analysis of enterprise or organisation activities · CPC title

• G06Q20/10

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title