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US 12,632,872 B2Granted
Methods and systems for real-time identification and mitigation of agent risks relating to AML
AssigneeThe Western Union Company
InventorsManju Rai, Murali Ravichandran, Jacqueline Molnar, Noel Brandt, Niren Kinikar
Life of this patent
Estimating the term…
Abstract
Systems and methods for identifying and mitigating non-compliances include determining an agent location of a money service business for review, obtaining a photograph and geographic coordinates of the agent location, and collecting field data at the agent location through a mobile application. Such information are sent from the mobile application to a central server of a third party vendor for a series of quality checks and stored at the central server. Such information may be used for further corrective action against the agent location reviewed.
Claims18
A system comprising:
- one or more processing devices comprising one or more processors;
- and
- memory communicatively coupled with the one or more processors and having stored therein processor-readable instructions that, when executed by the one or more processors, cause the one or more processing devices to perform:
- processing an indication of an agent system received via one or more networks;
- determining a location corresponding to the agent system based at least in part on the indication of the agent system received via the one or more networks;
- initiating a session with a mobile device wirelessly connected to the system via the one or more networks;
- within the session, remotely directing in real time a set of one or more operations corresponding to the agent system to comply with a set of rules associated with the location, wherein the remotely directing comprises:
- transmitting a wireless signal to cause activating of one or more operations of a mobile application on the mobile device to automatically capture, with a camera of the mobile device at a time during the session, associate photographic data with geographic coordinate data of the location through a global positioning system (GPS), and transmit the photographic data and geographic coordinate from the location to the system;
- and
- wherein the mobile application is configured to:
- automatically embed date, time, and geographic coordinates as metadata in each captured photograph;
- restrict uploading of photographic data to those images captured through the mobile application during the session;
- and
- prevent manual editing, deletion, or substitution of captured photographic data and geographic coordinate data prior to transmission.
11 more elements
A method comprising:
- processing, by a system comprising one or more processors, an indication of an agent system received via one or more networks;
- determining a location corresponding to the agent system based at least in part on the indication of the agent system received via the one or more networks;
- initiating a session with a mobile device wirelessly connected to the system via the one or more networks;
- within the session, remotely directing in real time a set of one or more operations corresponding to the agent system to comply with a set of rules associated with the location, wherein the remotely directing comprises:
- transmitting a wireless signal to cause activating of one or more operations of a mobile application on the mobile device to automatically capture, with a camera of the mobile device at a time during the session, associate photographic data with geographic coordinate data of the location through a global positioning system (GPS), and transmit the photographic data and geographic coordinate from the location to the system;
- and
- with the mobile application:
- embedding date, time, and geographic coordinates as metadata in each captured photograph;
- restricting uploading of photographic data to those images captured through the mobile application during the session;
- and
- preventing manual editing, deletion, or substitution of captured photographic data and geographic coordinate data prior to transmission.
8 more elements
One or more nontransitory, machine-readable storage devices for storing machine-executable instructions that, when executed by one or more processing devices, cause the one or more processing devices to perform operations comprising:
- processing an indication of an agent system received via one or more networks;
- determining a location corresponding to the agent system based at least in part on the indication of the agent system received via the one or more networks;
- initiating a session with a mobile device wirelessly connected to the system via the one or more networks;
- within the session, remotely directing in real time a set of one or more operations corresponding to the agent system to comply with a set of rules associated with the location, wherein the remotely directing comprises:
- transmitting a wireless signal to cause activating of one or more operations of a mobile application on the mobile device to automatically capture, with a camera of the mobile device at a time during the session, associate photographic data with geographic coordinate data of the location through a global positioning system (GPS), and transmit the photographic data and geographic coordinate from the location to the system;
- embedding date, time, and geographic coordinates as metadata in each captured photograph;
- restricting uploading of photographic data to those images captured through the mobile application during the session;
- and
- preventing manual editing, deletion, or substitution of captured photographic data and geographic coordinate data prior to transmission.
6 more elements
Dependencies are inferred from the claim text.