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.

This is the result of research from 2020, by a team of University of Sciences, Thai Nguyen University that has successfully carried out the project: “Research and development of a rapid detection kit for SARS-CoV- 2 viruses by Realtime technique”. The product of the project is 20 biological kits that have been used in screening for SARS-CoV2 virus detection at hospitals and Centers for Disease Control of Thai Nguyen province. Prof. Dr. Pham Hong Quang, President of Thai Nguyen University, said that during the 4th outbreak of the epidemic, the University directed to support 100 million VND for over 400 volunteers who are officers, students, and students. volunteered to the University of Medicine and Pharmacy to participate in the prevention and control of COVID-19 in Bac Giang and Bac Ninh provinces. This force has been carrying out tasks such as taking samples, testing, tracing, taking care of patients and other jobs at epidemic hotspots of the two localities. Currently, there are nearly 300 volunteers who are officials, students, and final year students of the school who have registered and are ready to go. In the past 3 epidemics and the current epidemic, member universities of Thai Nguyen University such as the University of Industrial Technology, the University of Information and Communication Technology, the branch of Thai Nguyen University in the province Lao Cai, University of Science, University of Education… also donated automatic body temperature measuring devices, automatic hand sanitizer dispensers, thousands of bottles of antiseptic solution to many agencies and applications. schools, schools in Thai Nguyen province and neighboring provinces to serve the prevention and control of COVID-19 epidemic. The Board of Directors of Thai Nguyen University has also directed member units to prepare facilities and coordinate with Thai Nguyen Province’s Steering Committee for COVID-19 Prevention and Control in using the Education Center. National Defense and Security, the dormitories of universities, colleges, centers of Thai Nguyen University as a concentrated isolation area for COVID-19 prevention and control. Currently, Thai Nguyen province has issued a decision to establish a concentrated isolation area for COVID-19 epidemic prevention and control at the University of Technology and Industry, University of Agriculture and Forestry and a decision to establish a command center for the isolation area. COVID-19 prevention and control at the National Defense and Security Education Center.

The leader of the National University of Science and Technology handed over the SAR-CoV-2 test kit to the leader of the provincial Department of Health. This is a test kit to detect SARS-CoV-2 virus and report results by Realtime technique. The product has been recognized as meeting national standards and in 2020, and scientists from the University of Science under the National University of Science and Technology have produced and transferred over 1,000 test kits to medical facilities in the province. After the process of improving the production process, the test suite has achieved higher efficiency. It is known that to produce 1,000 of these test kits, scientists from the University of Science did it in 3 days (from May 30 to June 1). In order to continue to support COVID-19 disease control and prevention, TN is improving the production process to increase capacity by 4-5 times, and at the same time can serve controlled testing in the community. with a capacity of 10,000 people/day. Currently, the following units: Thai Nguyen Central Hospital, A Thai Nguyen Hospital and Provincial Center for Disease Control have been using this SAR-CoV-2 virus detection test kit in prevention work. epidemic control in the whole province.

The large-capacity “field” Covid-19 laboratory at the Bac Giang Center for Disease Control has been fully installed with the cooperation and transfer support of the Military Medical Academy (Hanoi). This area has an area of ​​​​about 200 m2 and was built quickly in 3 days. The center consists of 8 specialized rooms. In which, 2 laboratories meet biosafety level 2. The most dangerous room is the initial sample processing room. This is the workplace of many officers from the Military Medical Academy, Bac Giang Center for Disease Control and volunteer technicians. Responsible for operating the laboratory is Lieutenant Colonel, Dr. BS Ho Huu Tho (Head of Department of Gene Technology and Cell Genetics, Military Medical Academy). According to Dr. Tho, the special feature of this laboratory is that the SARS-CoV-2 virus detection process is highly sensitive, with the cost savings being reduced by nearly half compared to traditional methods. At the same time, the center has the capacity to test tens of thousands of people every day. According to Dr. Tho, this is the world’s first gene technology, using artificial intelligence to analyze PCR results to detect SARS-CoV-2 pathogens (known as AIMS RT-PCR technology). The sensitivity of this method was evaluated against an in vitro RNA standard set for a detection threshold of 7.2 copies/reaction, nearly 7 times lower than the WHO recommended procedure, when evaluating under the same experimental conditions (50 copies/reaction). This study was clinically evaluated on 142 positive cases, 1,034 negative cases for SARS-CoV-2 and 14 other respiratory viruses. The sensitivity and specificity of the method were both 100%. More importantly, the procedure was successful in mixing 100 patient samples in a single real-time reaction without compromising sensitivity. As such, this is a simple, super-sensitive and potential test method for large-scale screening of SARS-CoV-2 with cost savings many times over. According to Dr. Tho, this method is like a weapon we switch from a defensive state to an attack against the Covid-19 epidemic. To communicate with the staff working in the lab, the commander had to use a walkie-talkie system because the windows were always foggy because of the mist and Chloramin B disinfectant. Besides, the technician was wearing clothes For protection, entering the lab will be called by the number corresponding to the job they are undertaking. After each opening to receive samples, the room is sprayed with disinfectant to avoid the risk of infection. All generated waste is also collected and treated according to regulations of the Ministry of Health. To maintain testing capacity, nearly 100 cadets of the Military Medical Academy are divided into small teams working for 8 hours, with 3 rotating teams each day to ensure that the laboratory is always open 24 hours a day. Tran Hoang Minh (student of Military Medical Academy) and friends relax before the shift. He is in charge of the work of separating and taking samples, so the risk of infection is very high. However, Minh feels proud to work at this center. “The laboratory capable of large-scale testing is a very powerful weapon in the fight against the epidemic. With mobilized human strength, strong weapons and high determination, I believe the epidemic will be quickly controlled.” male students share.

Representative of Agribank received the Sao Khue Award 2021-Photo: Agribank Notably, this is the 6th consecutive year that Agribank has excellent software / system awarded Sao Khue award in this field. Agribank Realtime Payments Technology – Real-time low-value payment product with the function of processing low-value retail payment transactions instantly (real-time) or near-time (near – realtime) of the day or batch processing at a certain time after that, at the same time supporting many forms of payment of many different types of services. Agribank Realtime Payments is using advanced, stable security equipment capable of handling large amounts of transactions, top loading, stability, high availability, and ensuring the processing time of incoming payment transactions. fastest in the banking system. Agribank Realtime Payments has main features such as: Processing payment transactions (single, batch), processing order of checking, declaring, managing, looking up customer identification information, managing limits, handling comparison reason. All payment orders are processed automatically, accurately, responding to the results immediately to the issuing bank, thus increasing processing efficiency, releasing orders quickly, meeting the payment needs of real-time customers. In addition to the function of providing payment services to customers and payment intermediaries, Agribank Realtime Payments can also connect to government agencies and public service providers to provide collection / collection services. bank payments, social subsidies, fixed payments such as electricity, water, postal services. Deploying Agribank Realtime Payments system, in addition to developing retail payment systems and services (automatic electronic clearing system for retail payment transactions, a low-value interbank payment channel to help Agribank handle interbank payments quickly), in addition, it also increases the ability to respond strongly and expand diversified payment services to customers of Agribank. According to statistics, from May starting to deploy the system until the end of December 2020, the Agribank Realtime Payments system has processed a total transaction value of up to VND 6,800 billion and has more than 1.2 million customers using the service. .

Agribank Realtime Payments System – Agribank’s real-time low-value payment system won the Sao Khue Award 2021 for Outstanding IT System in the banking sector. Sao Khue Program is the most reliable and reputable professional assessment activity in the software and IT service industry in Vietnam. The program voted and recognized the top excellent and reputable products and services of the software industry and information technology services (IT) of Vietnam by the Vietnam Software and IT Services Association ( VINASA) held since 2003. Products and services awarded Sao Khue award with outstanding quality and efficiency are always trusted, selected by customers, creating a competitive advantage in the market. Agribank Realtime Payments Technology – Real-time low-value payment product with the function of processing low-value retail payment transactions instantly (real-time) or near-time (near – realtime) of the day or batch processing at a certain time thereafter, and support many forms of payment of many different types of services. Agribank Realtime Payments uses advanced, stable security equipment capable of handling large amounts of transactions, top loading, stability, high availability, and ensuring the processing time of incoming payment transactions. fastest in the banking system. Agribank Realtime Payments has main features such as: processing payment transactions (application, batch), processing orders, declaring, managing, looking up customer identification information, managing limits, handling comparison reason. All payment orders are processed automatically, accurately, responding to the results immediately to the issuing bank, thus increasing processing efficiency, releasing orders quickly, meeting the payment needs of real-time customers. In addition to the function of providing payment services to customers and payment intermediaries, Agribank Realtime Payments can also connect to government agencies and public service providers to provide collection / collection services. bank payments, social subsidies, fixed payments such as electricity, water, postal services. Deploying Agribank Realtime Payments system, in addition to developing retail payment systems and services (automatic electronic clearing system for retail payment transactions, a low-value interbank payment channel to help Agribank handle interbank payments quickly), in addition, it also increases the ability to respond strongly and expand diversified payment services to customers of Agribank. From May, starting to deploy the system to the end of December 2020, Agribank Realtime Payments system has processed a total transaction value of up to VND 6,800 billion and has more than 1.2 million customers using the service. Sao Khue Award 2021 once again recognizes and affirms Agribank’s efforts as a leading bank, a pioneer in creating and deploying excellent digital solutions that provide value to customers and add value. VND, contributing to the implementation of the Government’s Cashless Payment Scheme, jointly implementing the digital transformation, creating a digital life, making digital technology a new driving force for socio-economic development. country.

Technology solutions using artificial intelligence (AI) and IoT for smart schools by PHX Educational Technology and Service Joint Stock Company (PHX Smart School) – a member unit of Phenikaa Group has voted as the excellent product / solution of the software, information technology (IT) industry of Vietnam in the field of Education and Training and awarded Sao Khue Prize 2021. The technology solution of PHX Smart School is a centralized management system that is intelligent, connected and linked information from many sources together to create an intelligent integrated information system, combining applications. technology in the classroom and application of technology in management onto one platform; The school focuses on four basic objects of school: student, parent, teacher, and administrator. This solution is researched and developed by Phenikaa Group’s staff and commercial packaging, using AI and IoT to record data, update and notify realtime information to the school. , teachers, parents, ensure information is updated, extracted and reported quickly, fully, at the right time, to the right people. PHX Smart School solution integrates software to support training processes, helps schools deploy online teaching and learning activities, and shares video lectures conveniently to support more effective learning; integrated online testing system, allowing the creation of multiple-choice and marking exams right after completing the lesson, or essay exams marked by teachers and reporting results to students and parents use. This is also an electronic contact book, connecting the school with parents easily through apps on Android and iOs. In particular, PHX Smart School integrates smart route monitoring system, accurate attendance with face … automatically connects and updates information quickly to families about student’s status upon arrival at school. , ensuring safety for students. In addition, this solution also has the ability to actively measure body temperature, monitor the body temperature of objects entering and leaving the campus to ensure the school’s epidemic prevention. PHX Smart School is considered to be a comprehensive smart digital transformation solution for schools in school management in many different aspects, from safe management for students while traveling to school, Identifying and warning of dangerous situations, payment, management of training activities, enrollment, facilities, personnel and other activities of the school … Although only recently launched, PHX Smart School solution has been contracted for implementation, practical application by major schools in Hanoi and Ho Chi Minh City and received many positive reviews. In the coming time, with the support from Phenikaa Group, will inherit advanced technologies and services that have been researched and developed by institutes, research and development centers and enterprises in the ecosystem. Phenikaa, PHX Smart School continues to pursue the goal of digitalization in the field of education, towards becoming the leading technology company in smart solutions for schools in Vietnam and expanding into international markets. In 2021, PHX Smart School’s educational technology solution excellently overcame nearly 300 solutions and services from 161 enterprises and was awarded Sao Khue Award.