Home Tech CITIC Net Branch’s real-time anti-fraud system, escorting customer property safety

CITIC Net Branch’s real-time anti-fraud system, escorting customer property safety

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With the acceleration of bank intelligence and digital transformation, banks continue to optimize their service experience to provide users with more convenient and faster financial services. At the same time, the risk of fraud associated with business operations has continued to increase. Currently, fraud risks in the banking industry have extended from traditional credit and counters to business areas such as trade financing, wealth management products, bank cards, and e-banking. Based on this, domestic banks began to strengthen risk control measures, strengthen the division of labor and cooperation between different product lines and business departments, to prevent fraud risks.

As a leading financial technology provider in the industry, CITIC Network Technology launched a real-time anti-fraud system for banks based on big data and advanced artificial intelligence technology, and established a multi-integrated system of “risk prevention and control, continuous monitoring, tracking implementation, daily management, and supervision and inspection” Real-time linkage monitoring and analysis mechanism, making full use of modern technology such as big data, artificial intelligence, cloud computing, etc., by strengthening the mechanism of “pre-monitoring access, in-event monitoring and operation, and post-event strong risk analysis” to achieve the bank’s internal omni-channel and full-product , The whole process 100% transaction risk identification and control, establish and improve the transaction risk monitoring model and interception mechanism during account opening and duration, and build a comprehensive risk identification, assessment, monitoring, early warning, blocking, analysis and security of comprehensive risks The management and control platform helps banks to better identify fraud in financial services, jointly protect the safety of users’ information and property, and further promote the construction of a financial security ecosystem.

Real-time monitoring to build a smart bank risk control system

In recent years, with the rapid development of big data, cloud computing and artificial intelligence technologies, banking service models have become increasingly diversified. While customers enjoy flexible and convenient services, bank fraud risks have become more concealed and professional, and more criminal methods and expressions have been developed. Traditional fraud detection usually relies on expert rules, blacklist libraries and other methods, which can no longer adapt to new fraud challenges.

The real-time anti-fraud system of CITIC Net Branch adopts big data, cloud computing and artificial intelligence technology to realize real-time risk identification and control of bank transactions. It adopts an internal container cloud deployment solution to ensure financial data security and compliance, and customer data display adopts encryption Mechanism to ensure the protection of customer privacy, build an account risk rating mechanism, grasp high-risk links and groups, and achieve early warning and disposal.

Not only that, in order to empower the bank’s digital transformation, CITIC Network Technology has increased investment in scientific research, listed big data and intelligent risk control as the company’s core development strategy, continued to invest in research and development, and strengthened basic research on big data, cloud computing, and artificial intelligence. , Launched industry solutions for intelligent risk control and big data processing platform.

Xinchuang adapts, fully realizes independent and controllable

The innovation and development of information technology application is a national strategy, and building China’s independent IT infrastructure will be an epoch-making measure in the field of my country’s information technology. Through the foundation laid by the “13th Five-Year Plan”, the Xinchuang ecosystem has taken shape, and the Xinchuang business is embarking on a fast track of development.

The real-time anti-fraud system of CITIC Netbank is quickly adapted to the ecosystem of Xinchuang and Huawei, so that the full-stack technology and the surrounding technology environment can be domestically controlled independently to adapt to the ever-changing external complex environment; focus on regulatory trends and customer pain points, and quickly adapt to each Industry solutions, such as: “customer experience indicator system” to help customers operate, “anti-internal and external fraud system” to help control risks, and “real-time big data processing platform” to help build basic capabilities. On the road of digital transformation, we will be the “driver of in-depth management” for customers, pay attention to customers’ customers, use technology to connect customers closely, and help enterprises achieve strategic goals. The system works closely with Huawei container cloud, data warehouse, financial alliance, and more than a dozen transaction channels to jointly build a complete financial ecological environment, realize close transaction correlation and information exchange and sharing within the system, and each bear its own responsibilities in the financial ecosystem, and it is satisfied The current business needs also take into account the future independent and controllable needs of Xinchuang.

Customer first, from the customer’s perspective

Nowadays, banks are in a critical period of digital transformation. With the digital transformation of banks, banking service models are becoming increasingly diversified. At the same time, banks are under multiple pressures from external fraud cases, internal compliance and regulatory penalties. How to strengthen risk management and control capabilities Become an important issue for banks.

CITIC Net Technology builds customer empathy and launches risk control solutions based on big data, artificial intelligence, and cloud computing to help customers build the first line of defense against risks. From the perspective of customers, help customers improve their business environment and prevent financial risks. And loss; use technology to closely contact customers, intelligently identify customer identities and behavioral risks through big data profiling and artificial intelligence analysis, protect customer fund safety in a state of customer insensitivity, and help companies achieve strategic goals, and from product technology, performance, Establish models in dimensions such as business accuracy and risk coverage, encapsulate and embed risk control models into customer business processes, guard operations, interrupt high-risk transactions, provide more bank customers with anti-fraud security services, and improve the outdated banking industry. Control system to promote the intelligent evolution of the bank’s risk control system.

As a fintech service provider with 20 years of experience in the industry, CITIC Nettech’s mission is to provide customers with professional services. It has launched a number of detailed solutions in the fields of mobile finance, smart marketing, and smart risk control. , Smart payment, online finance and other fields. Up to now, CITIC Network Technology has provided high-quality financial IT solutions and services to more than 220 financial industry customers, including state-owned banks, joint-stock banks, city commercial banks, rural credit cooperatives, rural commercial banks, and private banks.

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