TWM591191U - System for monitoring and analyzing negative news - Google Patents

System for monitoring and analyzing negative news Download PDF

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TWM591191U
TWM591191U TW108212634U TW108212634U TWM591191U TW M591191 U TWM591191 U TW M591191U TW 108212634 U TW108212634 U TW 108212634U TW 108212634 U TW108212634 U TW 108212634U TW M591191 U TWM591191 U TW M591191U
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negative news
news
negative
risk
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尚玉瑛
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中國信託商業銀行股份有限公司
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Abstract

一種負面新聞監控分析系統，包括輸入單元、通訊單元、處理單元及儲存單元。輸入單元接收多個負面新聞關鍵字，負面新聞關鍵字均具有權重因子並通過組合產生多個風險分類。處理單元定期執行批次發查任務，批次發查任務根據負面新聞關鍵字由公開資訊網站與資料庫蒐集到多個第一負面新聞並進行內容交叉比對分析，以便將第一負面新聞歸戶至企業或個人，並對第一負面新聞內容中的關鍵字進行顏色或字型標記、根據權重因子對第一負面新聞進行風險等級標記、及根據風險分類對第一負面新聞進行分類標記。處理單元還判斷第一負面新聞歸戶之企業或個人是否是既有客戶，若是則輸出第一警示報告。A negative news monitoring and analysis system includes an input unit, a communication unit, a processing unit and a storage unit. The input unit receives multiple negative news keywords, all of which have weighting factors and generate multiple risk categories through combination. The processing unit regularly executes the batch inspection task. The batch inspection task collects multiple first negative news from the public information website and database according to the negative news keywords and conducts content cross-comparison analysis in order to classify the first negative news From households to enterprises or individuals, the keywords in the content of the first negative news are marked with colors or fonts, the first negative news is marked with a risk level according to the weighting factor, and the first negative news is classified according to the risk classification. The processing unit also judges whether the enterprise or individual to whom the first negative news belongs is an existing customer, and if so, outputs the first warning report.

Description

負面新聞監控分析系統Negative news monitoring and analysis system

本創作是有關於一種資訊監控分析系統，且特別是有關於一種負面新聞監控分析系統。This creation is about an information monitoring and analysis system, and especially about a negative news monitoring and analysis system.

為了符合亞太防制洗錢組織（APG）對防制洗錢與打擊資恐等相關政策與要求，對於客戶的產品在市場上的使用方式、機構營運地區、洗錢活動或恐怖主義事件等負面新聞報導，金融機構需建立接收、查核和呈報這類優先觸發事件的程序，確定負面新聞是否與金融機構面臨的金融風險相關，是否需要提交可疑活動報告或可疑交易報告（SAR或STR），以及是否應採取進一步措施。因此，需要導入更智能化、自動化與效率化之負面新聞監控分析系統，讓金融機構相關人員可以具經濟效益之方法實現新聞監控分析流程與結果之正確性與可驗證性。In order to comply with the relevant policies and requirements of the Asia Pacific Money Laundering Prevention and Control Group (APG) on the prevention of money laundering and the fight against capital terrorism, negative news reports on how customers’ products are used in the market, where the organization operates, money laundering activities, or terrorist incidents, Financial institutions need to establish procedures for receiving, verifying, and reporting such priority trigger events to determine whether negative news is related to financial risks faced by financial institutions, whether they need to submit suspicious activity reports or suspicious transaction reports (SAR or STR), and whether they should be taken Further measures. Therefore, it is necessary to introduce a more intelligent, automated and efficient negative news monitoring and analysis system, so that relevant personnel of financial institutions can achieve the correctness and verifiability of the news monitoring and analysis process and results in a cost-effective way.

本創作的目的在提出一種負面新聞監控分析系統，可以具經濟效益之方法，提升負面新聞監控分析流程與結果之正確性與可驗證性。The purpose of this writing is to propose a negative news monitoring and analysis system, which can be a cost-effective method to improve the accuracy and verifiability of the process and results of negative news monitoring and analysis.

為達到上述目的，本創作提出一種負面新聞監控分析系統，包括輸入單元、通訊單元、處理單元及儲存單元，其中處理單元連接輸入單元及通訊單元，儲存單元連接處理單元。輸入單元接收多個負面新聞關鍵字，其中負面新聞關鍵字均具有權重因子，負面新聞關鍵字通過組合產生多個風險分類。通訊單元經由通訊網路連接多個公開資訊網站與資料庫。處理單元根據負面新聞關鍵字定期執行批次發查任務，批次發查任務根據負面新聞關鍵字由公開資訊網站與資料庫蒐集到多個第一負面新聞，對第一負面新聞的內容進行交叉比對分析，以便將第一負面新聞歸戶至企業或個人，並對第一負面新聞的內容中的關鍵字進行顏色或字型標記、根據負面新聞關鍵字的權重因子對第一負面新聞進行風險等級標記、及根據風險分類對第一負面新聞進行分類標記。處理單元還判斷第一負面新聞歸戶之企業或個人是否是既有客戶，若是則輸出第一警示報告。儲存單元儲存負面新聞關鍵字與其權重因子、風險分類、第一負面新聞及第一警示報告。In order to achieve the above purpose, the author proposes a negative news monitoring and analysis system, including an input unit, a communication unit, a processing unit and a storage unit, wherein the processing unit is connected to the input unit and the communication unit, and the storage unit is connected to the processing unit. The input unit receives multiple negative news keywords, where the negative news keywords all have a weighting factor, and the negative news keywords generate multiple risk categories through combination. The communication unit connects to multiple public information websites and databases via a communication network. The processing unit regularly executes batch inspection tasks based on negative news keywords, and the batch inspection tasks collect multiple first negative news from public information websites and databases based on negative news keywords, and cross the content of the first negative news Comparison and analysis, in order to assign the first negative news to the enterprise or individual, and color or font mark the keywords in the content of the first negative news, and perform the first negative news according to the weighting factor of the negative news keywords Mark the risk level and classify the first negative news according to the risk classification. The processing unit also judges whether the enterprise or individual to whom the first negative news belongs is an existing customer, and if so, outputs the first warning report. The storage unit stores negative news keywords and their weighting factors, risk classification, first negative news, and first warning report.

在一實施例中，輸入單元還接收企業名稱或統編。處理單元還根據企業名稱或統編執行即時發查任務，即時發查任務根據企業名稱或統編由公開資訊網站與資料庫蒐集到多個新聞，根據負面新聞關鍵字對新聞的內容進行比對以判斷是否有第二負面新聞，若有則對第二負面新聞的內容中的關鍵字進行顏色或字型標記、根據負面新聞關鍵字的權重因子對第二負面新聞進行風險等級標記、及根據風險分類對第二負面新聞進行分類標記，輸出第二警示報告。儲存單元還儲存第二負面新聞及第二警示報告。In one embodiment, the input unit also receives the company name or compilation. The processing unit also performs real-time investigation tasks based on the company name or compilation. The real-time investigation tasks collect multiple news from public information websites and databases based on the company name or compilation, and compare the content of the news according to negative news keywords To determine whether there is second negative news, if so, color or font mark the keywords in the content of the second negative news, mark the risk level of the second negative news according to the weighting factor of the negative news keywords, and according to The risk classification classifies and marks the second negative news, and outputs the second warning report. The storage unit also stores the second negative news and the second warning report.

綜上所述，藉由根據負面新聞關鍵字定期執行批次發查任務、或根據企業名稱或統編執行即時發查任務，由公開資訊網站與資料庫蒐集到第一或第二負面新聞，並對第一或第二負面新聞的內容中的關鍵字進行顏色或字型標記、根據負面新聞關鍵字的權重因子對第一或第二負面新聞進行風險等級標記、及根據風險分類對第一或第二負面新聞進行分類標記，產出第一或第二警示報告，可讓金融機構相關人員以具經濟效益之方法實現新聞監控分析流程與結果之正確性與可驗證性。In summary, the first or second negative news is collected from public information websites and databases by regularly performing batch inspection tasks based on negative news keywords, or performing real-time inspection tasks based on company names or editors. Mark the keywords in the content of the first or second negative news in color or font, mark the risk level of the first or second negative news according to the weighting factor of the negative news keywords, and classify the first according to the risk classification Or the second negative news will be classified and produced the first or second warning report, which will allow relevant personnel of financial institutions to achieve the correctness and verifiability of the news monitoring and analysis process and results in a cost-effective way.

為讓本創作上述和其他目的、特徵和優點能更明顯易懂，下文特舉較佳實施例，並配合所附圖式，作詳細說明如下。In order to make the above and other objects, features and advantages of this creation more obvious and understandable, the following is a detailed description of preferred embodiments and the accompanying drawings.

請參照圖1，圖1為根據本創作一實施例之負面新聞監控分析系統1之方塊圖。負面新聞監控分析系統1包括輸入單元11、通訊單元12、處理單元13、儲存單元14及輸出單元15，其中處理單元13連接輸入單元11及通訊單元12，儲存單元14連接處理單元13，輸出單元15連接處理單元13。Please refer to FIG. 1, which is a block diagram of a negative news monitoring and analysis system 1 according to an embodiment of the present invention. The negative news monitoring and analysis system 1 includes an input unit 11, a communication unit 12, a processing unit 13, a storage unit 14 and an output unit 15, wherein the processing unit 13 is connected to the input unit 11 and the communication unit 12, the storage unit 14 is connected to the processing unit 13 and the output unit 15连接处理组13。 15 connection processing unit 13.

輸入單元11接收多個負面新聞關鍵字KEY，其中負面新聞關鍵字KEY均具有權重因子，負面新聞關鍵字KEY通過組合產生多個風險分類。通訊單元12經由通訊網路2連接多個公開資訊網站與資料庫3。處理單元13根據負面新聞關鍵字KEY定期執行批次發查任務，批次發查任務根據負面新聞關鍵字KEY由公開資訊網站與資料庫3蒐集到多個第一負面新聞N1，對第一負面新聞N1的內容進行交叉比對分析，以便將第一負面新聞N1歸戶至企業或個人，並對第一負面新聞N1的內容中的關鍵字進行顏色或字型標記、根據負面新聞關鍵字KEY的權重因子對第一負面新聞N1進行風險等級標記、及根據風險分類對第一負面新聞N1進行分類標記。處理單元13還判斷第一負面新聞N1歸戶之企業或個人是否是既有客戶，若是則輸出第一警示報告P1。The input unit 11 receives a plurality of negative news keywords KEY, wherein the negative news keywords KEY all have a weighting factor, and the negative news keywords KEY generate multiple risk classifications through combination. The communication unit 12 connects a plurality of public information websites and the database 3 via the communication network 2. The processing unit 13 regularly executes a batch check task based on the negative news keyword KEY, and the batch check task collects a plurality of first negative news N1 from the public information website and the database 3 according to the negative news keyword KEY. Cross-comparison analysis of the content of news N1 in order to assign the first negative news N1 to a business or individual, and color or font mark the keywords in the content of the first negative news N1 according to the negative news keyword KEY The weighting factor of is used to mark the risk level of the first negative news N1, and to classify the first negative news N1 according to the risk classification. The processing unit 13 also determines whether the enterprise or individual to whom the first negative news N1 belongs is an existing customer, and if so, it outputs a first warning report P1.

輸入單元11還接收企業名稱或統編ID。處理單元13還根據企業名稱或統編ID執行即時發查任務，即時發查任務根據企業名稱或統編ID由公開資訊網站與資料庫3蒐集到多個新聞，根據負面新聞關鍵字KEY對新聞的內容進行比對以判斷是否有第二負面新聞N2，若有則對第二負面新聞N2的內容中的關鍵字進行顏色或字型標記、根據負面新聞關鍵字KEY的權重因子對第二負面新聞N2進行風險等級標記、及根據風險分類對第二負面新聞N2進行分類標記，輸出第二警示報告P2。The input unit 11 also receives a company name or a system ID. The processing unit 13 also performs an instant search task based on the company name or editor ID. The real-time search task collects multiple news from the public information website and database 3 according to the company name or editor ID, and the news is based on the negative news keyword KEY To compare the content of the second negative news to determine whether there is a second negative news N2, if so, to color or font mark the keywords in the content of the second negative news N2, according to the weighting factor of the negative news keyword KEY to the second negative news News N2 carries out risk level marking, classifies and marks the second negative news N2 according to the risk classification, and outputs a second warning report P2.

儲存單元14儲存負面新聞關鍵字KEY與其權重因子、風險分類、第一負面新聞N1、第一警示報告P1、第二負面新聞N2及第二警示報告P2。輸出單元15輸出第一警示報告P1或第二警示報告P2。The storage unit 14 stores the negative news keyword KEY and its weighting factor, risk classification, first negative news N1, first warning report P1, second negative news N2, and second warning report P2. The output unit 15 outputs the first warning report P1 or the second warning report P2.

在一實施例中，輸入單元11包括鍵盤、滑鼠、數位板(graphics tablet)及觸控板(touchpad)其中之一或其組合，但不限於此。通訊單元12包括使用Wi-Fi、GSM或乙太網路等無線或有線網路通訊標準的網路裝置，但不限於此。處理單元13包括中央處理器(CPU)、微控制器(MCU)或系統單晶片(SoC)，但不限於此。儲存單元14包括硬碟或記憶體，但不限於此。輸出單元15包括顯示器及印表機其中之一或其組合，但不限於此。In one embodiment, the input unit 11 includes one or a combination of a keyboard, a mouse, a graphics tablet, and a touchpad, but is not limited thereto. The communication unit 12 includes a network device using wireless or wired network communication standards such as Wi-Fi, GSM, or Ethernet, but is not limited thereto. The processing unit 13 includes a central processing unit (CPU), a microcontroller (MCU), or a system on chip (SoC), but is not limited thereto. The storage unit 14 includes a hard disk or a memory, but is not limited thereto. The output unit 15 includes one or a combination of a display and a printer, but is not limited thereto.

在一實施例中，負面新聞關鍵字KEY包括銀行戶頭遭凍結、退票、黑名單、破產、結束營業、企業被併購、重整、重整申請被駁回、調降財報、企業評等降級、全額交割、低淨值、股票停止交易、下市、下櫃、撤銷興櫃登錄、撤銷公開發行、法院訴訟、內線交易、管理階層遭訴訟、遭金管會查核、遭相關單位審議中、弊案、罰鍰、抗爭活動、工程意外、制裁名單、出口共產國家、洗錢、假交易、涉違法案、超貸案、犯罪區塊、風波不斷、影響企業形象、流動資金不足、欠員工薪資、無法正常發薪、重大虧損、經理人過世、投資不順、過多投資、無心經營、金融幫亂象、公司治理不佳、掏空、詐騙、近半年無申報***及政府機關拒絕投標其中之一或其組合，但不限於此。負面新聞關鍵字KEY均具有權重因子。舉例來說，將銀行戶頭遭凍結、退票、黑名單、破產、結束營業、企業評等降級、股票停止交易、下市、下櫃、制裁名單、出口共產國家、洗錢、假交易等可能涉及較高風險問題的負面新聞關鍵字設定具有高的權重因子，其餘則設定具有中或低的權重因子。當對第一或第二負面新聞的內容中的關鍵字進行顏色或字型標記時，具有高的權重因子的負面新聞關鍵字例如可標記為紅色，具有中的權重因子的負面新聞關鍵字例如可標記為黃色，具有低的權重因子的負面新聞關鍵字例如可標記為藍色。In one embodiment, the negative news keywords KEY include bank account frozen, refunds, blacklists, bankruptcy, business closure, corporate mergers and acquisitions, reorganization, reorganization application rejected, downgrade of financial reports, corporate downgrade, full amount Delivery, low net worth, stock trading suspension, going out of the market, going off the counter, revoking the registration of the counter, canceling the public offering, court litigation, insider trading, litigation by the management, verification by the Financial Management Commission, deliberation by relevant units, malpractices, penalties Fighting, resistance activities, engineering accidents, sanctions lists, exporting to communist countries, money laundering, fake transactions, violations of laws, over-loan cases, criminal blocks, constant disturbances, affecting corporate image, insufficient liquidity, owed employees' salaries, unable to be issued normally Salary, major loss, manager's death, unsuccessful investment, excessive investment, unintentional operation, financial chaos, poor corporate governance, hollowing out, fraud, non-reported invoices in the past six months, and government agencies' refusal to bid on one or a combination of these, But it is not limited to this. Negative news keywords KEY all have weighting factors. For example, the freezing of bank accounts, refunds, blacklists, bankruptcy, closure of business, downgrade of corporate ratings, suspension of trading of stocks, delisting, undercounter, sanctions list, export to communist countries, money laundering, fake transactions, etc. Negative news keywords for high-risk issues are set with high weighting factors, and the rest are set with medium or low weighting factors. When the keywords in the content of the first or second negative news are color-coded or font-shaped, the negative news keywords with a high weighting factor may be marked as red, for example, and the negative news keywords with a medium weighting factor such as It may be marked as yellow, and negative news keywords with a low weighting factor may be marked as blue, for example.

在一實施例中，負面新聞關鍵字KEY通過組合產生的風險分類包括管理風險、企業形象風險、公司治理風險、財務風險、營運風險、資訊安全風險、虛擬貨幣、法律訴訟風險、智慧財產風險、金融犯罪風險及制裁事項風險其中之一或其組合，但不限於此。舉例來說，第一或第二負面新聞的內容中的負面新聞關鍵字有弊案時，可被標記為具有企業形象風險的風險分類；第一或第二負面新聞的內容中的負面新聞關鍵字同時有弊案、法院訴訟時，可被標記為具有法律訴訟風險的風險分類。同一個第一或第二負面新聞可被標記而具有多種風險分類。In one embodiment, the risk categories generated by the combination of negative news keywords KEY include management risk, corporate image risk, corporate governance risk, financial risk, operational risk, information security risk, virtual currency, legal litigation risk, intellectual property risk, One or a combination of financial crime risk and sanctions risk, but not limited to this. For example, if the negative news keywords in the content of the first or second negative news have frauds, they can be marked as a risk classification with corporate image risk; the negative news key in the content of the first or second negative news When there are both fraud cases and court litigation, the word can be marked as a risk classification with legal litigation risk. The same first or second negative news can be marked with multiple risk categories.

在一實施例中，公開資訊網站與資料庫3包括商工登記公司資料查詢服務入口網、財政部稅務入口網、公開資訊觀測站、國貿局出進口廠商、人力銀行、搜尋引擎網站及新聞網站其中之一或其組合，但不限於此。In one embodiment, the public information website and database 3 include the business registration company data query service portal, the Ministry of Finance’s tax portal, the public information observatory, the import and export manufacturers of the International Trade Bureau, human resources banks, search engine websites, and news websites. One or a combination thereof, but not limited to this.

請參照圖2，圖2為根據本創作一實施例之負面新聞監控分析方法之流程圖，其適用於如圖1所示負面新聞監控分析系統1，但不限於此。在步驟S1，處理單元13判斷是否收到內部命令指示要執行批次發查任務，其中內部命令例如是由工作排程器設定為每日晚上9點發出，使處理單元13於每日晚上9點執行批次發查任務。當在步驟S1判斷要執行批次發查任務時，進入步驟S2，處理單元13執行批次發查任務，批次發查任務根據負面新聞關鍵字KEY通過通訊單元12由公開資訊網站與資料庫3蒐集到多個第一負面新聞N1，其中負面新聞關鍵字KEY由使用者通過輸入單元11輸入並設定其權重因子及風險分類而儲存於儲存單元14。在步驟S3，處理單元13對第一負面新聞N1的內容進行交叉比對分析，以便將第一負面新聞N1歸戶至企業或個人。在步驟S4，處理單元13對第一負面新聞N1的內容中的關鍵字進行顏色或字型標記、根據負面新聞關鍵字KEY的權重因子對第一負面新聞N1進行風險等級標記、及根據風險分類對第一負面新聞N1進行分類標記，並儲存於儲存單元14。Please refer to FIG. 2, which is a flowchart of a negative news monitoring and analysis method according to an embodiment of the present invention, which is applicable to the negative news monitoring and analysis system 1 shown in FIG. 1, but is not limited thereto. In step S1, the processing unit 13 judges whether an internal command is received indicating that the batch inspection task is to be executed, wherein the internal command is set to be issued by the work scheduler at 9 p.m. daily, so that the processing unit 13 is sent at 9 p.m. daily Click to execute the batch inspection task. When it is determined in step S1 that the batch inspection task is to be executed, proceeding to step S2, the processing unit 13 executes the batch inspection task. The batch inspection task is based on the negative news keyword KEY through the communication unit 12 from the public information website and database 3. Collecting a plurality of first negative news N1, wherein the negative news keyword KEY is input by the user through the input unit 11 and its weighting factor and risk classification are set and stored in the storage unit 14. In step S3, the processing unit 13 performs cross-comparison analysis on the content of the first negative news N1, so as to attribute the first negative news N1 to an enterprise or an individual. In step S4, the processing unit 13 tags the keywords in the content of the first negative news N1 with colors or fonts, marks the risk level of the first negative news N1 according to the weighting factor of the negative news keyword KEY, and classifies according to risk The first negative news N1 is classified and stored in the storage unit 14.

在步驟S5，處理單元13抓取儲存於儲存單元14中的既有客戶清單，並判斷第一負面新聞N1歸戶之企業或個人是否是既有客戶。當在步驟S5判斷第一負面新聞N1歸戶之企業或個人是既有客戶時，進入步驟S6，處理單元13產生第一警示報告P1，並通過輸出單元15輸出第一警示報告P1，以及將第一警示報告P1儲存於儲存單元14，然後結束本流程，其中第一警示報告P1記載有企業或個人名稱及其相關之第一負面新聞N1，且第一負面新聞N1的關鍵字、風險等級及分類均有標記，以方便金融機構相關人員快速檢閱與查核負面新聞之正確性與可驗證性，進而確定負面新聞是否與金融機構面臨的金融風險相關。當在步驟S5判斷第一負面新聞N1歸戶之企業或個人不是既有客戶時，直接結束本流程。In step S5, the processing unit 13 grabs the list of existing customers stored in the storage unit 14 and determines whether the business or individual to whom the first negative news N1 belongs is an existing customer. When it is determined in step S5 that the business or individual to whom the first negative news N1 belongs is an existing customer, proceed to step S6, the processing unit 13 generates a first warning report P1, and outputs the first warning report P1 through the output unit 15, and will The first warning report P1 is stored in the storage unit 14, and then the process ends. The first warning report P1 records the name of the company or individual and the related first negative news N1, and the keywords and risk level of the first negative news N1 And the classification is marked to facilitate the relevant personnel of the financial institution to quickly review and check the accuracy and verifiability of the negative news, and then determine whether the negative news is related to the financial risks faced by the financial institution. When it is determined in step S5 that the enterprise or individual to whom the first negative news N1 belongs is not an existing customer, the process is directly ended.

當在步驟S1判斷不要執行批次發查任務時，進入步驟S7，處理單元13判斷是否收到外部命令指示要執行即時發查任務，其中外部命令是由使用者通過輸入單元11輸入企業名稱或統編ID，使處理單元13立刻執行即時發查任務。當在步驟S7判斷要執行即時發查任務時，進入步驟S8，處理單元13執行即時發查任務，即時發查任務根據企業名稱或統編ID通過通訊單元12由公開資訊網站與資料庫3蒐集到多個新聞。在步驟S9，處理單元13根據負面新聞關鍵字KEY對新聞的內容進行比對，以便在步驟S10判斷是否有第二負面新聞N2。When it is judged in step S1 that the batch inspection task is not to be performed, proceed to step S7, and the processing unit 13 judges whether an external command is received indicating that the instant inspection task is to be executed, wherein the external command is that the user enters the company name or The ID is compiled so that the processing unit 13 immediately executes the instant check task. When it is determined in step S7 that the real-time inspection task is to be executed, the process proceeds to step S8, and the processing unit 13 executes the real-time inspection task. The real-time inspection task is collected by the public information website and the database 3 through the communication unit 12 according to the company name or unified ID To multiple news. In step S9, the processing unit 13 compares the content of the news according to the negative news keyword KEY, so as to determine whether there is the second negative news N2 in step S10.

當在步驟S10判斷有第二負面新聞N2時，進入步驟S11，處理單元13對第二負面新聞N2的內容中的關鍵字進行顏色或字型標記、根據負面新聞關鍵字KEY的權重因子對第二負面新聞N2進行風險等級標記、及根據風險分類對第二負面新聞N2進行分類標記，並儲存於儲存單元14。在步驟S12，處理單元13產生第二警示報告P2，並通過輸出單元15輸出第一警示報告P1，以及將第一警示報告P1儲存於儲存單元14，然後結束本流程，其中第二警示報告P2記載有企業名稱或統編及其相關之第二負面新聞N2，且第二負面新聞N2的關鍵字、風險等級及分類均有標記，以方便金融機構相關人員快速檢閱與查核負面新聞之正確性與可驗證性，進而確定負面新聞是否與金融機構面臨的金融風險相關。當在步驟S7判斷不要執行即時發查任務、或在步驟S10判斷沒有第二負面新聞N2時，直接結束本流程。When it is determined in step S10 that there is second negative news N2, proceeding to step S11, the processing unit 13 performs color or font marking on the keywords in the content of the second negative news N2, according to the weighting factor of the negative news keyword KEY The second negative news N2 marks the risk level and classifies the second negative news N2 according to the risk classification, and stores them in the storage unit 14. In step S12, the processing unit 13 generates a second alert report P2, and outputs the first alert report P1 through the output unit 15, and stores the first alert report P1 in the storage unit 14, and then ends the process, in which the second alert report P2 The name of the company or its editor and the related second negative news N2 are recorded, and the keywords, risk levels and classifications of the second negative news N2 are marked, so that the relevant personnel of the financial institution can quickly review and check the correctness of the negative news And verifiability, to determine whether negative news is related to financial risks faced by financial institutions. When it is judged in step S7 that the instant check task is not to be performed, or it is judged in step S10 that there is no second negative news N2, the process is directly ended.

綜上所述，藉由根據負面新聞關鍵字定期執行批次發查任務、或根據企業名稱或統編執行即時發查任務，由公開資訊網站與資料庫蒐集到第一或第二負面新聞，並對第一或第二負面新聞的內容中的關鍵字進行顏色或字型標記、根據負面新聞關鍵字的權重因子對第一或第二負面新聞進行風險等級標記、及根據風險分類對第一或第二負面新聞進行分類標記，產出第一或第二警示報告，可讓金融機構相關人員以具經濟效益之方法實現新聞監控分析流程與結果之正確性與可驗證性。In summary, the first or second negative news is collected from public information websites and databases by regularly performing batch inspection tasks based on negative news keywords, or performing real-time inspection tasks based on company names or editors. Mark the keywords in the content of the first or second negative news in color or font, mark the risk level of the first or second negative news according to the weighting factor of the negative news keywords, and classify the first according to the risk classification Or the second negative news will be classified and produced the first or second warning report, which will allow relevant personnel of financial institutions to achieve the correctness and verifiability of the news monitoring and analysis process and results in a cost-effective way.

雖然本創作已以較佳實施例揭露如上，然其並非用以限定本創作，任何本領域技術人員，在不脫離本創作的精神和範圍內，當可作些許更動與潤飾，因此本創作的保護範圍當視所附的申請專利範圍所界定者為準。Although this creation has been disclosed as above with preferred embodiments, it is not intended to limit this creation. Any person skilled in the art can make some changes and retouching without departing from the spirit and scope of this creation. The scope of protection shall be determined by the scope of the attached patent application.

1‧‧‧負面新聞監控分析系統 11‧‧‧輸入單元 12‧‧‧通訊單元 13‧‧‧處理單元 14‧‧‧儲存單元 15‧‧‧輸出單元 2‧‧‧通訊網路 3‧‧‧公開資訊網站與資料庫 KEY‧‧‧負面新聞關鍵字 ID‧‧‧企業名稱或統編 N1‧‧‧第一負面新聞 N2‧‧‧第二負面新聞 P1‧‧‧第一警示報告 P2‧‧‧第二警示報告 S1~S12‧‧‧本創作一實施例之負面新聞監控分析方法之流程圖的各步驟 1‧‧‧ Negative News Monitoring and Analysis System 11‧‧‧Input unit 12‧‧‧Communication unit 13‧‧‧Processing unit 14‧‧‧Storage unit 15‧‧‧Output unit 2‧‧‧Communication network 3‧‧‧ Open Information Website and Database KEY‧‧‧Negative news keywords ID‧‧‧Company name or editor N1‧‧‧First negative news N2‧‧‧Second negative news P1‧‧‧ First warning report P2‧‧‧Second warning report S1~S12‧‧‧The steps of the flowchart of the negative news monitoring and analysis method of an embodiment of this creation

圖1為根據本創作一實施例之負面新聞監控分析系統之方塊圖；及 圖2為根據本創作一實施例之負面新聞監控分析方法之流程圖。 FIG. 1 is a block diagram of a negative news monitoring and analysis system according to an embodiment of the present creation; and FIG. 2 is a flowchart of a negative news monitoring and analysis method according to an embodiment of the present invention.

1‧‧‧負面新聞監控分析系統 1‧‧‧ Negative News Monitoring and Analysis System

11‧‧‧輸入單元 11‧‧‧Input unit

12‧‧‧通訊單元 12‧‧‧Communication unit

13‧‧‧處理單元 13‧‧‧Processing unit

14‧‧‧儲存單元 14‧‧‧Storage unit

15‧‧‧輸出單元 15‧‧‧Output unit

2‧‧‧通訊網路 2‧‧‧Communication network

3‧‧‧公開資訊網站與資料庫 3‧‧‧ Open Information Website and Database

KEY‧‧‧負面新聞關鍵字 KEY‧‧‧Negative news keywords

ID‧‧‧企業名稱或統編 ID‧‧‧Company name or editor

N1‧‧‧第一負面新聞 N1‧‧‧First negative news

N2‧‧‧第二負面新聞 N2‧‧‧Second negative news

P1‧‧‧第一警示報告 P1‧‧‧ First warning report

P2‧‧‧第二警示報告 P2‧‧‧Second warning report

Claims (7)

一種負面新聞監控分析系統，包括： 一輸入單元，接收多個負面新聞關鍵字，其中該些負面新聞關鍵字均具有一權重因子，該些負面新聞關鍵字通過組合產生多個風險分類； 一通訊單元，經由一通訊網路連接多個公開資訊網站與資料庫； 一處理單元，連接該輸入單元及該通訊單元，該處理單元根據該些負面新聞關鍵字定期執行一批次發查任務，該批次發查任務根據該些負面新聞關鍵字由該些公開資訊網站與資料庫蒐集到多個第一負面新聞，對該些第一負面新聞的內容進行交叉比對分析，以便將該些第一負面新聞歸戶至企業或個人，並對該些第一負面新聞的內容中的關鍵字進行顏色或字型標記、根據該些負面新聞關鍵字的權重因子對該些第一負面新聞進行風險等級標記、及根據該些風險分類對該些第一負面新聞進行分類標記，該處理單元還判斷該些第一負面新聞歸戶之企業或個人是否是既有客戶，若是則輸出一第一警示報告；及 一儲存單元，連接該處理單元，該儲存單元儲存該些負面新聞關鍵字與其權重因子、該些風險分類、該些第一負面新聞及該第一警示報告。 A negative news monitoring and analysis system, including: An input unit receives a plurality of negative news keywords, wherein the negative news keywords all have a weighting factor, and the negative news keywords generate a plurality of risk categories by combination; A communication unit, connecting multiple public information websites and databases via a communication network; A processing unit, connected to the input unit and the communication unit, the processing unit periodically executes a batch of search tasks based on the negative news keywords, and the batch of search tasks is based on the public information based on the negative news keywords The website and the database have collected multiple first negative news, and conducted cross-comparison analysis on the content of these first negative news, so as to assign the first negative news to enterprises or individuals, and to deal with these first negative news The keywords in the content of the news are marked with colors or fonts, the risk rating of the first negative news is marked according to the weighting factors of the negative news keywords, and the first negative news is marked according to the risk classification Classification mark, the processing unit also determines whether the enterprises or individuals to whom the first negative news belongs are existing customers, and if so, outputs a first warning report; and A storage unit is connected to the processing unit. The storage unit stores the negative news keywords and their weighting factors, the risk classifications, the first negative news, and the first warning report. 如申請專利範圍第1項所述之負面新聞監控分析系統，還包括一輸出單元，該輸出單元連接該處理單元，該輸出單元輸出該第一警示報告。The negative news monitoring and analysis system as described in item 1 of the patent application scope further includes an output unit connected to the processing unit, and the output unit outputs the first warning report. 如申請專利範圍第1項所述之負面新聞監控分析系統，其中，該輸入單元還接收一企業名稱或統編；該處理單元還根據該企業名稱或統編執行一即時發查任務，該即時發查任務根據該企業名稱或統編由該些公開資訊網站與資料庫蒐集到多個新聞，根據該些負面新聞關鍵字對該些新聞的內容進行比對以判斷是否有一第二負面新聞，若有則對該第二負面新聞的內容中的關鍵字進行顏色或字型標記、根據該些負面新聞關鍵字的權重因子對該第二負面新聞進行風險等級標記、及根據該些風險分類對該第二負面新聞進行分類標記，輸出一第二警示報告；該儲存單元還儲存該第二負面新聞及該第二警示報告。The negative news monitoring and analysis system as described in item 1 of the scope of patent application, wherein the input unit also receives a company name or editor; the processing unit also performs an instant investigation task based on the company name or editor, the instant The investigation task collects multiple news from the public information websites and databases according to the company name or compilation, and compares the content of the news according to the negative news keywords to determine whether there is a second negative news, If so, mark the keywords in the content of the second negative news with color or font, mark the risk level of the second negative news according to the weighting factors of the keywords of the negative news, and classify the risks according to the risks The second negative news is classified and output, and a second warning report is output; the storage unit also stores the second negative news and the second warning report. 如申請專利範圍第3項所述之負面新聞監控分析系統，還包括一輸出單元，該輸出單元連接該處理單元，該輸出單元輸出該第一警示報告或該第二警示報告。The negative news monitoring and analysis system as described in item 3 of the patent application scope further includes an output unit connected to the processing unit, and the output unit outputs the first warning report or the second warning report. 如申請專利範圍第1項所述之負面新聞監控分析系統，其中，該些負面新聞關鍵字包括銀行戶頭遭凍結、退票、黑名單、破產、結束營業、企業被併購、重整、重整申請被駁回、調降財報、企業評等降級、全額交割、低淨值、股票停止交易、下市、下櫃、撤銷興櫃登錄、撤銷公開發行、法院訴訟、內線交易、管理階層遭訴訟、遭金管會查核、遭相關單位審議中、弊案、罰鍰、抗爭活動、工程意外、制裁名單、出口共產國家、洗錢、假交易、涉違法案、超貸案、犯罪區塊、風波不斷、影響企業形象、流動資金不足、欠員工薪資、無法正常發薪、重大虧損、經理人過世、投資不順、過多投資、無心經營、金融幫亂象、公司治理不佳、掏空、詐騙、近半年無申報***及政府機關拒絕投標其中之一或其組合。The negative news monitoring and analysis system as described in item 1 of the patent application scope, where the negative news keywords include bank account freezing, refund, blacklist, bankruptcy, business closure, enterprise merger, reorganization, reorganization application Dismissed, downgraded financial reports, downgraded corporate ratings, full settlement, low net worth, stock trading ceased, delisting, undercounter, cancellation of registration, cancellation of public offering, court litigation, insider trading, management litigation, financial management Will be checked, under consideration by relevant units, fraud cases, fines, resistance activities, engineering accidents, sanctions lists, export to communist countries, money laundering, fake transactions, violations of laws, over-loan cases, criminal blocks, constant waves, affecting companies Image, insufficient liquidity, wages owed to employees, unable to pay normally, major losses, manager's death, unsuccessful investment, excessive investment, unintentional operation, financial chaos, poor corporate governance, hollowing out, fraud, no declaration in the past six months The invoice and government agency refused to bid on one or a combination of them. 如申請專利範圍第1項所述之負面新聞監控分析系統，其中，該些風險分類包括管理風險、企業形象風險、公司治理風險、財務風險、營運風險、資訊安全風險、虛擬貨幣、法律訴訟風險、智慧財產風險、金融犯罪風險及制裁事項風險其中之一或其組合。The negative news monitoring and analysis system as described in item 1 of the scope of patent application, where these risk categories include management risk, corporate image risk, corporate governance risk, financial risk, operational risk, information security risk, virtual currency, legal litigation risk , One or a combination of intellectual property risk, financial crime risk and sanctions risk. 如申請專利範圍第1項所述之負面新聞監控分析系統，其中，該些公開資訊網站與資料庫包括商工登記公司資料查詢服務入口網、財政部稅務入口網、公開資訊觀測站、國貿局出進口廠商、人力銀行、搜尋引擎網站及新聞網站其中之一或其組合。Negative news monitoring and analysis system as described in item 1 of the scope of patent application, in which the public information websites and databases include the business registration company data query service entrance network, the Ministry of Finance tax entrance network, the open information observatory, and the International Trade Bureau. One or a combination of import manufacturers, human banks, search engine websites and news websites.
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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI807196B (en) * 2020-07-06 2023-07-01 國泰世華商業銀行股份有限公司 A system and method for estimating credit risk

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI807196B (en) * 2020-07-06 2023-07-01 國泰世華商業銀行股份有限公司 A system and method for estimating credit risk

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