KR101364768B1 - Financial account transaction pattern analysis system and a method thereof - Google Patents

Abstract

The present invention further implements the pattern analysis program according to the type of transaction pattern to be analyzed from the transaction history of the financial account in order to analyze the transaction pattern of the corresponding account based on the transaction history information such as the deposit and withdrawal of the customer account in the financial institution. It is a system that implements the method to minimize the modification of the pattern analysis program and the logic addition according to the pattern case of the transaction and transaction pattern and the method to perform the efficient pattern analysis. The user of the system is included in the transaction history of the financial account. The characteristics of the transaction pattern to be analyzed are defined based on the registered element and the segment information by defining the segment that divides the registered data item by the size or range of the data value, etc. Pattern analysis rules and patterns such as modeling and pattern assembly methods for pattern analysis Define the device information registered in the information storage unit. Receives transaction information of financial accounts from systems and modules that require management and analysis of transaction patterns of financial accounts and registers them in the information storage. Transactions for each transaction of financial accounts based on pattern analysis rules and pattern case information. Assemble the analysis pattern model with the transaction model created by creating the model, and check whether the assembled analysis pattern model corresponds to the pattern case of the transaction pattern to be analyzed and check the analysis pattern model and pattern case with the transaction pattern analysis result of the financial account. The present invention relates to a trading pattern analysis system and method of a financial account that outputs results.

Description

Financial Account Transaction Pattern Analysis System and a method

The present invention relates to financial transactions, and in particular, transactions represented between transactions of financial accounts by analyzing, comparing and assembling characteristics and forms of data items of individual transactions based on the transaction history of financial accounts of financial institutions. The present invention relates to a system and method for analyzing a transaction pattern, which is a specific form or rule (hereinafter referred to as a transaction pattern).

In general, it is possible to analyze the trading characteristics and characteristics of the account by analyzing the trading pattern of the financial account, and furthermore, by analyzing the accounting tendency of the account holders, based on this information, the use of marketing information about customers or financial accidents. It is used to analyze types.

In particular, financial accidents such as voice phishing have been incurred frequently through the use of cannon accounts, and analysis of the transaction types of these cannon accounts based on the trading patterns appearing in specific accounts indicate It can provide important information that can be judged.

Therefore, even in the regular audit system of financial institutions, they are focusing on preventing accidents by analyzing transaction patterns of accounts. The anti-money laundering system also analyzes the trading patterns of financial accounts to determine the attributes of the accounts.

In order to extract specific patterns of data used in many fields like this, pattern extraction logic (Logic) can be designed to directly implement the program, and pattern analysis rules can be registered by using a specific rule-based engine to perform pattern analysis. It may be.

In particular, there are many ways to analyze the trading pattern of a financial account, but to analyze various cases of a combination of one or more financial transactions (hereinafter referred to as a pattern case) in which a trading pattern to be analyzed appears from the trading of the financial account. Too many logic additions and changes to implement with normal program logic would be very difficult to maintain.

The technical problem to be solved by the present invention is to solve the conventional problems, basically to have the information about the transaction of the financial account in order to analyze the transaction pattern, which is a specific form or rule of the transaction appearing between the transactions of the financial account. Data items (hereinafter referred to as basic elements) such as transaction time, transaction amount, entry / exit division, transaction balance, etc. or data items newly created by comparing and calculating values or states between data items that are basically owned (hereinafter referred to as virtual elements). A system that analyzes trading patterns of financial accounts with basic elements and virtual elements together called elements.) Adding or modifying a trading pattern analysis program through the addition of new pattern analysis rules or pattern cases for pattern analysis. To minimize the amount of financial accounts History relates to a system and method for analyzing the transactions of the financial account to improve the way you perform repetitive analysis, which provides the ability to check all the patterns case for a single trading patterns in a single analysis.

Transaction pattern analysis system of a financial account according to a feature of the present invention for solving this problem,

As a system for receiving financial transaction information of a financial account from a system requiring a transaction pattern analysis of the financial account, and analyzing the transaction pattern of the account,

An information storage unit for storing a type of a transaction pattern to be analyzed from the financial transaction information of the financial account and at least one pattern case information about a pattern analysis rule and a transaction pattern;

The analysis pattern model, which is a transaction pattern assembled by analyzing each financial transaction according to the pattern analysis rule registered in the information storage unit by receiving the financial transaction information of the financial account, is placed in the pattern case of the transaction pattern that the system user wants to find. And a pattern analyzer for outputting an analysis pattern model and a pattern case check result by checking the pattern case information.

The information storage unit,

Element information for storing information on a configuration of a basic element used for analyzing financial transaction information of the financial account and a data generation rule of a virtual element;

Segment information for storing information about a segment, which is a fragment for dividing elements according to the size, state, or range of data values of the basic element or virtual element, and a segment character representing a segment;

Transaction pattern information for storing classification information on the type of transaction pattern to be analyzed from the financial transaction information of the financial account;

Basic model generated through modeling operation for mapping each element to be analyzed based on deposit transaction or withdrawal transaction according to the type of transaction pattern to be analyzed by segment of the corresponding element; Model information for storing a size, state, or range of values for segments that the basic model may have;

When analyzing the transaction pattern of the financial account according to the type of the transaction pattern to be analyzed, it has a transaction model that is a set of segment letters of the transaction unit assembled by analyzing the data for each transaction for each transaction with reference to the model information. Pattern assembly information for storing information on how to assemble the analysis pattern model;

Storing the aggregate information of the transaction model generated based on the model information, a pattern case which is a combination of at least one financial transaction in which the transaction pattern to be analyzed appears from the financial transaction information of the financial account according to the type of the transaction pattern to be analyzed; Contains pattern case information.

The pattern analyzer,

In order to analyze a transaction pattern from the financial transaction information of the financial account, the system user uses a separate terminal device to include information including transaction pattern information, element information, segment information, model information, and pattern assembly information required for transaction pattern analysis. An analysis rule management unit for processing information to register and manage the information storage unit;

A transaction model based on the model information of the information storage unit by the user of the system to check whether the analysis pattern model that is analyzed and assembled from the financial transaction information of the financial account corresponds to the transaction pattern to be analyzed. A pattern case management unit for generating information, assembling a pattern case which is a collection of transaction models, and registering and managing the information in the information storage unit;

A transaction information input unit for receiving financial transaction information of a predetermined financial account and transaction pattern classification information indicating a type of a transaction pattern to be analyzed from a system requiring a transaction pattern analysis of the financial account;

Generate a transaction model for each transaction of the financial account by referring to the transaction pattern and the pattern analysis rule information stored in the information storage unit in the financial transaction information of the financial account acquired through the transaction information input unit. A transaction pattern analysis unit for assembling a transaction model into an analysis pattern model and checking whether the assembled analysis pattern model is registered in the pattern case information;

And an analysis information output unit for outputting a result of checking an analysis pattern model and pattern case information of the financial account extracted through the transaction pattern analysis unit to a system for requesting a transaction pattern analysis through the transaction information input unit.

Financial account transaction pattern analysis method according to the characteristics of the present invention for solving this problem is

According to the input of the terminal device of the system, the user of the system defines the type of the transaction pattern to be analyzed and the pattern analysis rule and pattern case information of the transaction pattern to be analyzed in order to analyze the transaction pattern and registers it in the information storage unit. Defining a pattern analysis rule;

The financial transaction history information of the financial account and the transaction pattern classification information to be analyzed are received from the system requiring the transaction pattern analysis of the financial account and registered in the information storage unit registered in the pattern analysis rule definition step. A pattern analysis step of outputting the analysis pattern model generated by analyzing the transaction history of the financial account based on the pattern analysis rule information and the result of checking the pattern case information by the analysis pattern model to the system that requested the transaction pattern analysis; Include.

The pattern analysis rule definition step of the method

The user of the system uses the terminal device of the system

An element definition step of registering a basic element to be extracted from the transaction history of the financial account and used for analyzing the transaction pattern or defining and registering a generation rule of the virtual element;

Segment that defines and registers information on segments for classifying elements according to size, state, or range and symbols for representing segments as characters with respect to data values of each element managed through the element definition step. Definition step;

A transaction pattern definition step of defining and registering information on the type of transaction pattern to be analyzed from the transaction history of the financial account;

Define a basic model by mapping segments that can express data of each element to analyze deposit or withdrawal transactions according to the types of transaction patterns to be analyzed through the transaction pattern definition step. A modeling step of defining and registering a size, state, or range of a value for a segment of an element;

A pattern assembly method defining step of defining and registering a pattern analysis range corresponding to each transaction pattern to be analyzed, pattern section determination information, and a method of assembling the transaction model into the analysis pattern model;

And a pattern case definition step of creating and registering a pattern case, which is a combination of at least one financial transaction in which a transaction pattern to be analyzed from the transaction of the financial account, appears as aggregate information of a transaction model generated based on model information of the information storage unit. do.

The pattern case definition step of the method

A transaction model definition step of defining a transaction model by segment combination of elements for deposit or withdrawal transactions of the financial account based on the model information of the information storage unit corresponding to the transaction pattern to be analyzed according to the selection of the terminal device;

And a pattern case assembly step of assembling and registering a transaction pattern case in a continuous combination of the transaction model for the deposit transaction and withdrawal transaction defined in the transaction model definition step.

Pattern analysis step of the method,

A transaction information input step of receiving transaction history information of the financial account required for analyzing the transaction pattern of the financial account and transaction pattern classification information to be analyzed from a system requiring the transaction pattern analysis of the financial account;

Assembling an analysis pattern model by performing transaction analysis in the reverse order of transaction occurrence with reference to the pattern analysis rule information stored in the information storage unit, the transaction history information of the financial account received through the transaction information input unit, and assembled the analysis pattern A transaction pattern analysis step of checking whether the model is registered in the pattern case information;

And an analysis information output step of outputting the analysis pattern model and the transaction pattern case check information analyzed in the transaction pattern analysis step to the financial transaction system.

The transaction pattern analysis step of the method

Extract the transaction value of the financial account received through the transaction information input unit based on the element information of the information storage unit for each element defined in the model information of the information storage unit for one transaction from the last transaction in the reverse order of the occurrence of the transaction. A transaction model generation step of determining a segment corresponding to the value of the extracted element and generating a segment character of the determined segment as a transaction model;

An analysis pattern model assembling step of assembling the transaction model generated in the transaction model generation step into an analysis pattern model by checking whether the analysis model is a model of analysis section change or a transaction pattern analysis range by referring to the pattern assembly information of the information storage unit;

The method may further include a pattern case checking step of checking whether each analysis pattern model generated in the analysis pattern model assembly step is a pattern case registered in pattern case information.

The analysis pattern model assembly step of the method

An analysis section information checking step of checking whether the transaction model to be assembled in the analysis pattern model is a transaction model corresponding to a change in the analysis section by referring to the pattern assembly information stored in the information storage unit:

An analysis range checking step of checking whether a transaction model to be assembled into an analysis pattern model belongs to an analysis range of a transaction pattern to be analyzed by referring to the pattern assembly information stored in the information storage unit;

Immediately after the same transaction model is repeatedly assembled twice in the analysis pattern model, the same transaction model is regenerated in the transaction model assembly step, and the analysis pattern model of the corresponding transaction model is performed. A duplicate checking step of checking duplication of the same transaction model to omit the assembly;

The method may further include a transaction model assembling step of assembling the transaction model to the analysis pattern model or omitting the transaction model assembly according to the result of the overlapping check step of the transaction model.

The transaction pattern analysis step of the method

The transaction details of the financial account received through the transaction information input unit are extracted based on the element information of the element information defined in the model information of the information storage unit for the one transaction from the last transaction in the reverse order of the occurrence of the transaction. A transaction model assembling step of determining a segment letter corresponding to an element value and assembling the determined segment letter into a transaction model;

An analysis pattern model assembly step of assembling the transaction model generated in the transaction model assembly step into an analysis pattern model with reference to the pattern assembly information;

The analysis pattern model generated by performing the transaction model assembling step and the analysis pattern model assembling step based on the information defined in the modeling step creates a transaction model and assembles a pattern case based on the information defined in the modeling step. And a pattern case checking step of checking whether or not registered in the registered pattern case information.

In an embodiment of the present invention, in analyzing a transaction pattern of a financial account, a data item (basic element) representing information on each transaction history of the financial account is compared or calculated with a data item of a different data item or a different transaction item. By supporting the creation of new data items (virtual elements), it is possible to analyze various transaction patterns with more various data items, classify element values into segments according to conditions and conditions, and characterize the classified segments. The analysis is performed to improve the simplicity of the pattern analysis logic and improve the performance.The rule-based information is defined and registered and managed for the type and method of the transaction pattern to be analyzed. The pattern analysis program according to the addition of The change of program logic can be minimized, and the pattern case for the transaction pattern is registered and managed in the pattern case information, and the analysis pattern model extracted from the transaction history of the financial account is defined based on the defined and registered pattern analysis rules. By checking whether it is registered in the pattern case information, it is possible to perform a much better performance than the method of checking whether the same pattern case exists in each financial pattern case.

And it can be applied to various fields using the embodiment of the present invention. For example, by analyzing various transaction patterns of cannon accounts from the transaction history of financial accounts, we implemented a detection system for financial history accounts and a suspected account monitoring system and applied them to the financial system to prevent voice phishing, which has become a social issue recently. Can be monitored.

1 is a block diagram of a financial account transaction pattern analysis system according to an embodiment of the present invention.
2 is a flowchart illustrating an analysis rule definition method according to an embodiment of the present invention.
3 is a flowchart illustrating a pattern case definition method according to an embodiment of the present invention.
4 is a flowchart illustrating a transaction pattern analysis method according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise. Also, the terms " part, "" module," and " module ", etc. in the specification mean a unit for processing at least one function or operation and may be implemented by hardware or software or a combination of hardware and software have.

1 is a block diagram of a financial account transaction pattern analysis system according to an embodiment of the present invention.

Referring to FIG. 1, in the financial account transaction pattern analysis system according to an embodiment of the present invention, the financial transaction system 300 is connected to the terminal device 500 through a network 400, and the pattern analyzer 100 The information storage unit 200 is included.

The pattern analyzer 100 can be used without the addition or change of a transaction pattern analysis program of a financial account according to the addition of a transaction pattern or a transaction pattern case to be analyzed by the system user from the transaction history of the financial account using the terminal device 500. Transaction pattern classification information on the type of transaction pattern to be analyzed so as to analyze the transaction pattern of the account, and element information, segment information, model information, pattern assembly information to be extracted or compared and calculated from transaction details of the financial account. An analysis rule manager 110 for defining and managing rules required for analyzing financial account transaction patterns such as the data storage unit;

According to the transaction pattern analysis rule of the financial account registered by the analysis rule management unit 110 by the user of the terminal, the analysis pattern model analyzed from the transaction history of the financial account corresponds to the transaction pattern to be analyzed. The pattern case management unit 120 generates a transaction model based on the model information of the information storage unit according to the type of the transaction pattern to be analyzed to check each case, and defines and registers and manages the pattern case in the pattern case information. );

A transaction information input unit 130 for receiving transaction history information of a specific financial account and transaction pattern classification information indicating a type of a transaction pattern to be analyzed from any system or module or device requiring transaction pattern analysis of the financial account;

Receive the transaction information of the financial account through the transaction information input unit 130, generate a transaction model for each financial transaction based on the information defined and registered through the analysis rule management unit, and then assemble and analyze the assembled transaction model A transaction pattern analysis unit 140 for generating a pattern model and checking whether the assembled analysis pattern model is registered in the pattern case information;

Analysis information output unit 150 for outputting the results of checking the analysis pattern model and pattern case information of the financial account extracted through the transaction pattern analysis unit 140 to the system, module or device requesting the transaction pattern analysis through the transaction information input unit 150 ).

The information storage unit 200,

In order to efficiently analyze the financial transaction pattern of the pattern analyzer 100

Transaction pattern information 210 for storing information on the type of transaction pattern to be analyzed from the transaction history of the financial account;

Element information 220 for storing generation rule information for elements representing information on the configuration of data items for transaction details of a financial account used when analyzing a transaction pattern;

Segment information 230 for storing segment information segmented according to a state or condition and segment character information defined by defining each segment as a character with respect to a data value of each element;

Model information 240 for mapping each element to be analyzed for a deposit transaction or withdrawal transaction according to the type of a transaction pattern to be analyzed for each segment and storing range or state information on a value of the segment;

According to the method of assembling the analysis pattern model of the transaction model, each transaction is assembled into Seg characters according to the scope of the pattern analysis, the conditions of changing the analysis section, and the model information defined in the pattern analysis. Pattern assembly information 250 for storing information about the pattern assembly 250;

It includes pattern case information 260 that stores the pattern case information for each type of trading pattern that can be analyzed pattern model analyzed from the transaction history of the financial account based on the model information.

Then, the operation of the financial account transaction analysis system according to an embodiment of the present invention having such a configuration will be described in detail.

2 is a flowchart illustrating a method of defining an analysis rule according to an embodiment of the present invention.

Referring to FIG. 2, in order to analyze a transaction pattern of a financial account, the system user first of all knows which data items (elements) exist in each transaction of the financial account and on which criteria to classify the data. You have to define. To this end, the system user accesses the pattern analyzer 100 through the network 300 using the terminal device 500 or other input device. In addition, the following steps are performed in response to the information provided by the analysis rule manager 110.

First, in the step of element type selection (S1121), the system user performs a comparison or operation between the 'basic element', which is a data item included in the transaction history of the financial account, and the data item or data item present in the transaction history to define the element. Select the 'virtual element' to create and define new data.

When the basic element is selected in the element type determination step (S1122), the analysis rule management unit 110 selects a physical data item that is a data item existing in the transaction history of the actual financial account and maps the element name and the element key for the corresponding data item. The basic element mapping definition (S1124) is performed to store the element information 120.

 If it is determined that the virtual element is selected in the element type determination step (S1122), the analysis rule management unit 110 defines the name of the virtual element, and defines the condition and the result method generation method for the data generation method of the virtual element. Perform the virtual element generation rule definition (S1123) to be performed to store in the element information (120). For example, there are data items such as 'entry entry and exit,' 'time of transaction', 'transaction amount' and 'trade balance' in the financial account transaction information. In order to use this information in the transaction analysis system, the system user must register in the element information 120, and these items are registered as basic elements. However, the 'interval between before and after transactions' or 'pre-trading balance' may exist as data items in the transaction history, but they do not exist in the example. These data items are called virtual elements and patterns when analyzing transaction patterns with virtual elements. In the logic of the analysis program, a special operation must be performed to extract the value of the virtual element. And when new virtual elements are needed, new functions must be added or changed in the pattern analysis program logic. In order to solve this inconvenience, a virtual element may be defined in the element information and registered. For example, the virtual element name is defined as the time interval, and the creation condition of the 'time interval' element is defined as the transaction time of the base transaction or the transaction time of the analysis transaction. Generate data.

 When the element is defined as described above, the system user should define a segment about how to distinguish the data of the element and analyze the transaction pattern.

To define the segment, the system user selects an element existing in the element information 120 that is already defined and registered in the element selection step S1131.

Next, the segment name definition step (S1132) defines a name according to the division or range of the data value of the selected element, that is, the segment name.

In the segment symbol definition (S1133) step, the segment is defined as a specific symbol, that is, a segment character, according to a division or range of data values, and stored in the segment information 130. For example, for the element of 'Transaction Amount' present in the transaction history information of the financial account mentioned in the previous example, a small amount if the transaction amount is below a certain amount, a large amount if the amount is above a certain amount, or a transaction between a small amount and a large amount In the case of amounts, segments can be defined as usual. By mapping a specific character to a defined segment, you can define a small amount as S and a large amount as G, usually B. The segment character defined in this way is represented by the corresponding segment character by checking the range or state of the element value.

After registering element and segment information, which are basic information, in order to analyze a transaction pattern of a financial account as described above, the system user must register information about the type of transaction pattern to be analyzed, model information for each transaction pattern, and pattern assembly information.

In the transaction pattern classification information registration step (S1111), a name for classification is defined in accordance with the characteristics of the transaction pattern to be extracted and analyzed from the transaction history of the financial account and is registered in the transaction pattern information 210. For example, when trying to analyze the pattern of transactions deposited from the financial account, when analyzing the deposit pattern and the pattern of the withdrawal transaction, the classification according to the characteristics of the pattern to be analyzed such as the withdrawal pattern It is to define and register the kind.

When the type of the transaction pattern to be analyzed is registered, modeling of the corresponding transaction pattern is performed to register model information. In the modeling operation, the transaction pattern is selected to register model information used for pattern analysis in the transaction pattern selection step S1141. .

In addition, in the entry / exit transaction selection step (S1142), it is necessary to model each transaction by identifying whether the transaction to be analyzed is a deposit or withdrawal transaction. The segment selection step (S1144) is performed to perform an element selection step (S1143) for mapping an element required for analysis to the entry / exit transaction selected in step S1142 and to select a required segment for the segment defined for the element. In the segment range definition step (S1145), the range or state of the value of the selected segment is defined and stored in the model information 240. For example, if the transaction pattern that can be combined with the deposit and withdrawal of the financial account is defined as 'exit pattern' and modeling the deposit pattern, the transaction amount defined in the above example is mapped by mapping an element called 'transaction amount' to the deposit transaction. The segment of selects 'small' to model the transaction amount as small. In this case, it is defined in the segment scope definition stage that the amount of the transaction is a small amount, which can be determined by the operator of the system or by the relevant organization. A small amount can be defined by defining less than 50000 won, and can be defined by modeling more than 50,000 won and less than 1,000,000 won, and large amounts of more than 1,000,000 won. An example of modeling modeled information may be as shown in Table 1.

[Table 1]

When modeling and registering, the pattern assembly method definition of the transaction pattern to be analyzed next is performed. In order to do this, a pattern assembly method is defined by selecting a transaction pattern registered in the transaction pattern information 210 in the transaction pattern selection step S1151. After performing the transaction pattern selection (S1151), in the step of defining an analysis execution range of the transaction pattern (S1152), analyzes all the transaction details of the financial account input through the transaction information input unit 130. Or define the scope of analysis, such as whether to analyze the transaction history performed within a specific time range. In the step of pattern analysis section definition (S1153), it analyzes the inputted transaction details and defines whether to create a single analysis pattern model by assembling a transaction model until a certain transaction model appears. Next, when assembling the transaction model in which the segment characters are assembled during the pattern analysis to the analysis pattern model, the pattern assembly information definition (S1154) is performed to define whether the corresponding transaction model is assembled and the assembly method. ). For example, in the case of the entry / exit pattern described in the previous example, the scope of analysis performance is defined as all transactions, and the pattern analysis interval definition can be defined until the segment character of the transaction balance element of the withdrawal transaction comes out in full (A). If the transaction model assembled during the pattern analysis is a small deposit transaction, the transaction model may be defined to be omitted without assembling when generating the analysis pattern model.

3 is a process flowchart of the pattern case definition method.

Referring to FIG. 3, in the following processes, the pattern case manager 120 registers the pattern case information 260 through the network 300 according to the selection of the terminal device 500 of the system user.

First, the transaction pattern selection step (S1211) is to select a transaction pattern to be registered in the transaction pattern information 210 by creating a pattern case. In one transaction pattern, a combination of a transaction model may appear in various forms. It is to select a pattern to create and register a transaction pattern case that can appear. In addition, if a deposit or withdrawal transaction is selected at the entry / exit transaction selection step (S1212) to create a transaction model of the selected transaction pattern, the selected deposit transaction or the selected transaction is referred to with reference to the information registered in the model information 240 at the transaction model generation step (S1213). Create a transaction model by selecting the segment corresponding to each element mapped with the withdrawal transaction.

Next, to assemble the pattern case model (S1214) to assemble the pattern case model made of a combination of the transaction model to make a transaction pattern case. If the transaction model is added (S1215), if the transaction model is added, the transaction model is added to the assembled pattern case model to perform the assembly of the entry and exit transaction selection (S1212) again. Performing the pattern case registration (S1221) step of registering the created pattern case model to the pattern case information 260 and ends. For example, if a transaction model is made with model information modeled as shown in [Table 1] in FIG. 2, a transaction model as shown in Table 2 can be created.

[Table 2]

In Table 2, deposit transactions are modeled as time interval and transaction amount elements, and time interval elements are segmented in time and over time. Therefore, based on this information, the transaction model can appear by expressing the composition of elements as a combination of segments.

The pattern case that can be found in the transaction history of the financial account can be made with the combination of the transaction model shown above. For example, the pattern case as shown in the following Table 3 can be found by depositing a small amount of money (e.g. salary). May appear.

[Table 3]

4 is a flowchart illustrating a transaction pattern analysis method.

Referring to FIG. 4, the transaction information input unit 130 receives transaction information of a financial account and transaction pattern classification information to be analyzed from the financial transaction system 300 through the network 300.

Then, in the analysis transaction existence confirmation (S1411) step, the transaction pattern analysis unit 140 reads the transaction details one by one from the last transaction and performs transaction pattern analysis based on information managed in the analysis rule information. If it does not exist, the process branches to the analysis pattern model pattern check check (S1431) and checks whether there is an analysis pattern model assembled by analyzing transaction information of the financial account received through the transaction information input unit 130.

If there is a transaction to be analyzed in the analysis transaction existence check (S1411) step, the transaction pattern analysis unit 140 refers to the model information 240 of the transaction pattern to be analyzed in the analysis transaction model information analysis step (S1412). Analyze whether modeling is done by combination and refer to transaction history analysis.

Based on the information of the element analyzed in the analysis transaction model information analysis (S1412) step, the element value generation (S1413) for generating a value of a basic element or a virtual element of the transaction analysis to be analyzed is performed after each element generated Segment character generation (S1414) is performed to generate a defined segment character by determining which segment has a value or range.

And the transaction pattern analysis unit 140 performs a transaction model assembly (S1415) step of assembling the segment string in order to generate the generated segment character as a transaction model, and then check the existence of the analysis element target (S1416) step If there is another element to be analyzed by performing the step again to generate the element value (S1413) step to generate the corresponding element value.

If the element to be analyzed does not exist, the transaction pattern analyzer 140 performs a pattern assembly information analysis step S1421.

In the pattern assembly information analysis step S1421, the transaction pattern analyzer 140 attempts to generate an analysis pattern model with a transaction model by referring to the information in the pattern assembly information 250. First, it checks whether the transaction model is a transaction model for changing the interval of the transaction pattern to be analyzed, checks the end of the analysis range, and performs an analysis pattern model assembly (S1422) step of assembling the analysis pattern model by performing pattern repeat assembly check. do. The analysis pattern model generated in the analysis pattern model assembly step (S1422) is a kind of transaction pattern in which a transaction model for each financial transaction is assembled into several transaction models in units of analysis intervals.

After the analysis pattern model is generated, the analysis scope end check step (S1423) of checking the analysis range of the transaction pattern being analyzed is performed.

If it is not the end of the analysis range, the process returns to the analysis transaction existence confirmation (S1411) step of checking whether there is a next transaction to be analyzed. If the analysis range is over, the analysis pattern model existence check (S1431) is performed.

The analysis pattern model existence check step (S1431) is a step of checking whether there is an analysis pattern model analyzed up to this stage with the transaction information of the financial account input through the transaction information input unit 130.

If there is an analysis pattern model analyzed by performing the analysis pattern model check (S1431), the pattern case information existence check is performed by the transaction pattern analysis unit 140 to check whether the analysis pattern model exists in the pattern case information 260. Step S1432 is performed. Then, in the analysis information output assembly (S1433), the analysis pattern model and the pattern case check information of the analysis pattern model analyzed by the transaction pattern analysis unit 140 are assembled to the output contents.

Then, the process proceeds to the analysis pattern model check (S1431) step and checks whether the next analysis pattern model exists. If the next analysis pattern model does not exist in the analysis pattern model existence check step (S1431), the process goes to the analysis pattern output unit 150 and outputs the assembled output contents. For example, with the financial transaction details as shown in Table 4, we will conduct a transaction pattern analysis on the entry and exit patterns.

[Table 4] Example of Financial Account Transaction Details

The analysis rule information is analyzed based on the contents described in the above example. First, 'Transaction 7' is set as the base transaction as the last transaction in the transaction history. In addition, a transaction model of the corresponding transaction (Trade 7) should be generated by analyzing the transaction from the standard transaction. The transaction model performs analysis based on the details defined in the model information. Withdrawal transaction is applied to the time interval and transaction balance. Modeling was done with the element Therefore, if you look at the time interval element definition, the time interval is a virtual element and the time interval is analyzed based on the information defined as' the transaction time of the base transaction. The time (trade 7) is zero. And 0 means 'time' when checking segment range of time interval and symbol of 'time' segment is I, and transaction balance is KRW 701,000. The symbol of 'partial' segment is defined as P. Therefore, the transaction model of the last withdrawal transaction (transaction 7) becomes the transaction model called 'withdrawal transaction tomorrow', and this transaction model can be assembled by creating the letter DIP. The generated transaction model analyzes the pattern assembly information 250 and assembles the analysis pattern model according to the information. Based on the above example, A, which has a section change model of 'full withdrawal', should be presented. The current transaction model is P, which is not a section change model, and does not correspond to pattern assembly skip information or pattern repeat assembly check. . Thus, the current analysis pattern model becomes 'DIP', and now the trading model and the analysis pattern model are the same. When checking the analysis scope, the entry / exit pattern is defined as the whole transaction and checks whether the next analysis transaction exists. The following deposit transaction (transaction 6) is also modeled as an element of time interval and transaction amount as analyzed above, so when the value of the time interval element is derived, it is 1170 minutes and corresponds to the segment 'time'. The symbol of the 'my' segment is I, and the transaction amount is 1,000,000 won, which corresponds to the segment called 'large amount', and the segment symbol is G and the trading model of this transaction becomes the trading model called 'in-time deposit transaction'. The trading model is created with the letters CIG. When the CIG transaction model is assembled into the analysis pattern model by checking the pattern assembly information, the analysis pattern model is made of two transaction model combinations, 'CIG' and 'DIP'. And if you analyze transaction 5 as above, it becomes a trading model of 'overtime withdrawal' and is created with the letters 'DOA'. According to the above example, the analysis pattern section information is defined as' A 'before full withdrawal. According to this transaction 5, it is a full withdrawal transaction, and the first analysis pattern model is' CIG' and 'DIP. One is assembled. Based on transaction 5, it is analyzed again from transaction 5, so that transaction 5 is 'total time withdrawal' and 'DIA' becomes a transaction model and is assembled in the analysis pattern model, and transaction 4 is 'overtime small deposit' as 'COS'. 'Has become a trading model, but small deposits are defined as skipping without analytical pattern model assembly. Transaction 3 is 'extra-hours deposit', 'DOP' is the trading model, Transaction 2 is 'extra-hours deposit', 'COG' is the trading model, and transaction 1 is 'extra-hours deposit' and 'COS' is the trading model. However, a small wage does not assemble an analysis pattern model. The second analysis pattern model, assembled and analyzed in this way, is generated by the combination of trade models of 'COG', 'DOP' and 'DIA'. In the second analysis pattern model, transaction 4 and transaction 1 are small deposits, indicating that the transaction model is not assembled in the analysis pattern model.

As a result of checking whether the pattern case such as the first analysis pattern model is registered in the pattern case information, it can be seen that the case of 'time deposit withdrawal + hour tomorrow withdrawal' is registered, which is analyzed by the user of the system. You can think of it as a pattern case to detect. However, the second analysis pattern model is not registered in the pattern case information. However, if the second analysis pattern model is clearly determined as the case of the pattern that the system user wants to analyze and detect, the same model should be created and registered in the pattern case information.

Instead of analyzing the pattern patterns that can appear from the account, that is, the pattern corresponding to each pattern case registered in the pattern case information, the transaction history of the financial account is analyzed in the same manner as above. Checking whether the assembled analysis pattern model is registered in the pattern case information can bring a lot of results to improve the performance of the pattern analysis, and it is easy to add or change the pattern case and minimize the change of the pattern analysis program. That's how it is.

The embodiments of the present invention described above are not only implemented by the apparatus and method but may be implemented through a program for realizing the function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded, The embodiments can be easily implemented by those skilled in the art from the description of the embodiments described above.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, It belongs to the scope of right.

Claims (14)

As a system for receiving financial transaction information of a financial account from a system requiring a transaction pattern analysis of the financial account, and analyzing the transaction pattern of the account,
An information storage unit for storing a type of a transaction pattern to be analyzed from the financial transaction information of the financial account and at least one pattern case information about a pattern analysis rule and a transaction pattern;
The analysis pattern model, which is a transaction pattern assembled by analyzing each financial transaction according to the pattern analysis rule registered in the information storage unit by receiving the financial transaction information of the financial account, is placed in the pattern case of the transaction pattern that the system user wants to find. A pattern analyzer for outputting an analysis pattern model and a pattern case check result by checking the pattern case information,
The pattern analyzer,
In order to analyze a transaction pattern from the financial transaction information of the financial account, the system user uses a separate terminal device to include information including element information, segment information, transaction pattern information, model information, and pattern assembly information required for transaction pattern analysis. An analysis rule management unit for processing information to register and manage the information storage unit;
A transaction model based on the model information of the information storage unit by the user of the system to check whether the analysis pattern model that is analyzed and assembled from the financial transaction information of the financial account corresponds to the transaction pattern to be analyzed. A pattern case management unit which processes the information to generate and assemble a pattern case which is an aggregate of a transaction model to register and manage the pattern case information;
A transaction information input unit for receiving financial transaction information of a predetermined financial account and transaction pattern classification information indicating a type of a transaction pattern to be analyzed from a system requiring a transaction pattern analysis of the financial account;
Generate a transaction model for each transaction of the financial account by referring to the transaction pattern and the pattern analysis rule information stored in the information storage unit in the financial transaction information of the financial account acquired through the transaction information input unit. A transaction pattern analysis unit for assembling a transaction model into an analysis pattern model and checking whether the assembled analysis pattern model is registered in the pattern case information;
A financial account including an analysis information output unit for outputting a result of checking the analysis pattern model and pattern case information of the financial account extracted through the transaction pattern analysis unit to the financial transaction system requesting the transaction pattern analysis through the transaction information input unit. Trading pattern analysis system. The method of claim 1,
The information storage unit,
Transaction pattern information for storing classification information on the type of transaction pattern to be analyzed from the financial transaction information of the financial account;
Element information for storing information on a configuration of a basic element used for analyzing financial transaction information of the financial account and a data generation rule of a virtual element;
Segment information for storing information about a segment, which is a fragment for dividing elements according to the size, state, or range of data values of the basic element and the virtual element, and a segment character representing a segment;
Basic model generated through modeling operation for mapping each element to be analyzed based on deposit transaction or withdrawal transaction according to the type of transaction pattern to be analyzed by segment of the corresponding element; Model information for storing a size, state, or range of values for segments that the basic model may have;
When analyzing the pattern according to the type of transaction pattern to be analyzed, the data is analyzed by element for each transaction with reference to the model information. Pattern assembly information for storing information on how to assemble;
Storing the aggregate information of the transaction model generated based on the model information, a pattern case which is a combination of at least one financial transaction in which the transaction pattern to be analyzed appears from the financial transaction information of the financial account according to the type of the transaction pattern to be analyzed; Transaction pattern analysis system of financial accounts including pattern case information. delete The method of claim 1,
The pattern analyzer to perform a transformation in the segment characters of the Element in accordance with the state or the range, the size of the data value Element that has the respective Element for the financial transactions of the financial account assemble transaction model and analyze the pattern models Trading pattern analysis system of a financial account characterized by analyzing the trading pattern The method of claim 1,
The pattern analyzer,
Transaction pattern analysis system of a financial account that generates a transaction model by analyzing transaction details in the reverse order of occurrence of a financial account in order to analyze the transaction pattern of the financial account. The method of claim 1,
When assembling the transaction model generated by analyzing the transaction history of the financial account in the analysis pattern model, the analysis pattern model assembly of the transaction model to be assembled is assembled when the transaction model to be assembled is assembled to the analysis pattern model twice in a row. Transaction pattern analysis system of the financial account, characterized in that omitted. delete Transaction pattern analysis system The user defines the types of transaction patterns to be analyzed by the pattern analyzer to analyze the transaction patterns, the pattern analysis rules, and the pattern case information of the transaction patterns to be analyzed by using the terminal device of the transaction pattern analysis system. Pattern analysis rule definition step of registering in the department;
The information storage unit which receives the financial transaction history information of the financial account and the transaction pattern classification information to be analyzed from the financial transaction system requiring the transaction pattern analysis of the financial account and registers in the pattern analysis rule definition step Outputting the analysis pattern model generated by analyzing the transaction history of the financial account based on the registered pattern analysis rule information and the result of checking the pattern case information with the analysis pattern model to the financial transaction system that requested the transaction pattern analysis. Including a pattern analysis step,
The pattern analysis rule definition step,
The user of the system uses the terminal device of the system
An element definition step of registering a basic element to be extracted from the transaction history of the financial account and using the transaction pattern analysis or defining and registering a generation rule of the virtual element;
Segment that defines and registers information on segments for classifying elements according to size, state, or range and symbols for representing segments as characters with respect to data values of each element managed through the element definition step. Definition step;
A transaction pattern definition step of defining and registering information on the type of transaction pattern to be analyzed from the transaction history of the financial account;
Define a basic model by mapping segments that can express data of each element to analyze deposit or withdrawal transactions according to the types of transaction patterns to be analyzed through the transaction pattern definition step. A modeling step of defining and registering a size, state, or range of a value for a segment of an element;
A pattern assembly method defining step of defining and registering a pattern analysis range corresponding to each transaction pattern to be analyzed, pattern section determination information, and a method of assembling the transaction model into the analysis pattern model;
And a pattern case definition step of creating and registering a pattern case, which is a combination of at least one financial transaction in which a transaction pattern to be analyzed from the transaction of the financial account, appears as aggregate information of a transaction model generated based on model information of the information storage unit. Financial account transaction pattern analysis method. 9. The method of claim 8,
The pattern case definition step
A transaction model definition step of defining a transaction model by segment combination of elements for deposit or withdrawal transactions of the financial account based on the model information of the information storage unit corresponding to the transaction pattern to be analyzed according to the selection of the terminal device;
The financial account transaction pattern analysis method further comprising a pattern case assembly step of assembling and registering a transaction pattern case in a continuous combination of the transaction model for the deposit transaction and withdrawal transaction defined in the transaction model definition step. Transaction pattern analysis system The user defines the types of transaction patterns to be analyzed by the pattern analyzer to analyze the transaction patterns, the pattern analysis rules, and the pattern case information of the transaction patterns to be analyzed by using the terminal device of the transaction pattern analysis system. Pattern analysis rule definition step of registering in the department;
The information registered in the pattern analysis rule definition step of receiving the financial transaction details information of the financial account and the transaction pattern classification information to be analyzed from the financial transaction system requiring the transaction pattern analysis of the financial account; The analysis pattern model generated by analyzing the transaction history of the financial account based on the pattern analysis rule information registered in the storage unit and the result of checking the pattern case information by the analysis pattern model to the financial transaction system that requested the transaction pattern analysis. A pattern analysis step of output processing;
The pattern analysis step,
A transaction information input step of receiving transaction history information of the financial account required for analyzing the transaction pattern of the financial account and transaction pattern classification information to be analyzed from a system requiring the transaction pattern analysis of the financial account;
Assembling an analysis pattern model by performing transaction analysis in the reverse order of transaction occurrence with reference to the pattern analysis rule information stored in the information storage unit, the transaction history information of the financial account received through the transaction information input unit, and assembled the analysis pattern A transaction pattern analysis step of checking whether the model is registered in the pattern case information;
And an analysis information output step of outputting the analysis pattern model and the pattern case information check result analyzed in the transaction pattern analysis step to the financial transaction system. 11. The method of claim 10,
The transaction pattern analysis step
Extract the transaction value of the financial account received through the transaction information input unit based on the element information of the information storage unit for each element defined in the model information of the information storage unit for one transaction from the last transaction in the reverse order of the occurrence of the transaction. A transaction model generation step of determining a segment corresponding to the value of the extracted element and assembling the segment letters of the determined segment into a transaction model;
An analysis pattern model assembling step of assembling the transaction model generated in the transaction model generation step into an analysis pattern model by checking whether the analysis model is a model of analysis section change or a transaction pattern analysis range by referring to the pattern assembly information of the information storage unit;
And a pattern case check step of checking whether each analysis pattern model generated in the analysis pattern model assembly step is a pattern case registered in pattern case information. 12. The method of claim 11,
The analysis pattern model assembly step
An analysis section information checking step of checking whether the transaction model to be assembled in the analysis pattern model is a transaction model corresponding to a change in the analysis section by referring to the pattern assembly information stored in the information storage unit:
An analysis range checking step of checking whether a transaction model to be assembled into an analysis pattern model belongs to an analysis range of a transaction pattern to be analyzed by referring to the pattern assembly information stored in the information storage unit;
Immediately after the same type of transaction model is repeatedly assembled twice in the analysis pattern model, the same type of transaction model is regenerated so that the analysis pattern model assembly of the corresponding transaction model is omitted in order to assemble the analysis pattern model. A duplicate checking step of checking duplication of the transaction model;
And a transaction model assembly step of assembling the transaction model to the analysis pattern model or omitting the transaction model assembly according to the result of the overlapping checking step.
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