Financial institution portal system and method
First Claim
1. A portal system configured to integrate financial information resources, comprising:
- an application server including a portal, wherein said portal comprises a link to at least two of an electronic credit report (eCR) database, an electronic know your customer (eKYC) database, a client business management information system (CBMIS), and a customer profitability system large area network (CPS LAN);
an anti-money laundering (AML) scoring server configured to retrieve risk information of an organization from at least one of;
said electronic credit report (eCR) database, said electronic know your customer (eKYC) database, said client business management information system (CBMIS), and said customer profitability system large area network (CPS LAN), wherein said risk information includes a first branch and a second branch, and wherein said first branch is geographically separated from said second branch;
said AML scoring server configured to independently analyze risk inquiries based upon said risk information, said risk inquiries relating to said first branch and second branch, wherein said plurality of risk inquiries include political ownership information, political environment information, and at least one of customer information, regulatory information, management information, geographic location information, financial performance information, economic information or ownership information;
said AML scoring server configured to independently calculate risk scores for each of said risk inquiries relating to said at least one of;
said first branch and second branch, wherein said risk scores are based upon weightings assigned to each of said risk inquiries;
said AML scoring server configured to independently calculate an AML scores for at least one of;
said first branch and said second branch based on summing said risk scores associated with each of said risk inquiries; and
,a web server coupled to said application server to facilitate access to said portal system for users to obtain said AML scores.
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Accused Products
Abstract
Systems and methods utilizing a portal on a single computer platform for improving risk assessment and business reporting are disclosed. The portal integrates at least two financial information resources such as, for example, an electronic credit report (eCR) database, an electronic know your customer (eKYC) database, a client business management information system, and a customer profitability system large area network. The eCR database includes a link to an exposure database, a credit rating database, and/or an intelligence database. The eKYC database includes an anti-money laundering scoring module, and/or a standard KYC form or an enhanced KYC form.
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Citations
20 Claims
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1. A portal system configured to integrate financial information resources, comprising:
- an application server including a portal, wherein said portal comprises a link to at least two of an electronic credit report (eCR) database, an electronic know your customer (eKYC) database, a client business management information system (CBMIS), and a customer profitability system large area network (CPS LAN);
an anti-money laundering (AML) scoring server configured to retrieve risk information of an organization from at least one of;
said electronic credit report (eCR) database, said electronic know your customer (eKYC) database, said client business management information system (CBMIS), and said customer profitability system large area network (CPS LAN), wherein said risk information includes a first branch and a second branch, and wherein said first branch is geographically separated from said second branch;said AML scoring server configured to independently analyze risk inquiries based upon said risk information, said risk inquiries relating to said first branch and second branch, wherein said plurality of risk inquiries include political ownership information, political environment information, and at least one of customer information, regulatory information, management information, geographic location information, financial performance information, economic information or ownership information; said AML scoring server configured to independently calculate risk scores for each of said risk inquiries relating to said at least one of;
said first branch and second branch, wherein said risk scores are based upon weightings assigned to each of said risk inquiries;said AML scoring server configured to independently calculate an AML scores for at least one of;
said first branch and said second branch based on summing said risk scores associated with each of said risk inquiries; and
,a web server coupled to said application server to facilitate access to said portal system for users to obtain said AML scores. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 16, 17, 18, 19, 20)
- an application server including a portal, wherein said portal comprises a link to at least two of an electronic credit report (eCR) database, an electronic know your customer (eKYC) database, a client business management information system (CBMIS), and a customer profitability system large area network (CPS LAN);
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12. A computer-implemented method for facilitating improved risk assessment and business reporting comprising said steps of:
- providing access to a first user, via a portal on a platform of said computer, to financial information resources relating to a first branch and a second branch of an organization, wherein said first branch is geographically separated from said second branch, wherein said financial information resources comprise at least two of an electronic credit report (eCR) database, a electronic know your customer (eKYC) database, a client business management information system (CBMIS), and a customer profitability system large area network (CPS LAN);
retrieving, by said computer and from said financial information sources, risk information relating to said first branch and said second branch from said financial information sources; sorting, by said computer, said risk information among risk inquiries independently relating to said first branch and said second branch, wherein said plurality of risk inquiries include political ownership information, political environment information, and at least one of customer information, regulatory information, management information, geographic location information, financial performance information, political environment information, economic information or ownership information; calculating, by said computer, risk scores for each of said risk inquiries independently relating to said first branch and said second branch wherein said risk scores are based upon weightings assigned to each of said risk inquiries; calculating, by said computer, an AML scores for said first branch and said second branch based on summing said risk scores associated with each of said risk inquiries; storing, by said computer, said AML scores in a file of said first user; and forwarding said file to a second user. - View Dependent Claims (13, 14)
- providing access to a first user, via a portal on a platform of said computer, to financial information resources relating to a first branch and a second branch of an organization, wherein said first branch is geographically separated from said second branch, wherein said financial information resources comprise at least two of an electronic credit report (eCR) database, a electronic know your customer (eKYC) database, a client business management information system (CBMIS), and a customer profitability system large area network (CPS LAN);
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15. A computer readable medium, tangibly embodied with instructions which, when executed by a computer, perform the steps comprising:
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providing access to a first user, via a portal on a platform of said computer, to financial information resources relating to a first branch and a second branch, wherein said first branch is geographically separated from said second branch, and wherein said financial information resources comprise at least two of an electronic credit report (eCR) database, a electronic know your customer (eKYC) database, a client business management information system (CBMIS), and a customer profitability system large area network (CPS LAN); retrieving, by said computer and from said financial information sources, risk information relating to said first branch and said second branch; sorting, by said computer, said risk information among a risk inquiries independently relating to said first branch and said second branch, wherein said plurality of risk inquiries include political ownership information, political environment information, and at least one of customer information, regulatory information, management information, geographic location information, financial performance information, economic information or ownership information; calculating, by said computer, risk scores for each of said plurality of said risk inquiries independently relating to said first branch and said second branch, wherein said risk scores are based upon weightings assigned to each of said risk inquiries; calculating, by said computer, AML scores for said first branch and said second branch based on summing said risk scores associated with each of said risk inquiries; storing, by said computer, each of said AML scores in a file of said first user; and forwarding said file to a second user.
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Specification