Key Features of FPT AI eKYC System

1. Complete Customer Identification Flow

FPT AI provides a complete customer identification flow consisting of multiple modules that can run independently or in parallel, allowing customers to customize according to their business needs in the most flexible way.

The FPT AI eKYC customer flow is simple and convenient as described below:

2. Service Features

2.1. FPT AI OCR Features

Information fields detected:

No.	Details	Result Information Field - JSON
1	Extract information from the front of old ID card (9-digit version)	ID number, Name, Date of birth, Permanent residence
2	Extract information from the back of old ID card (9-digit version)	Information from back of old ID card (9-digit version)
3	Extract information from the front of 12-digit ID card, non-chip citizen card and chip-enabled citizen card	ID/Citizen card number, Full name, Date of birth, Permanent residence, Gender, Nationality/Ethnicity, Expiry date, Place of origin
4	Extract information from the back of 12-digit ID card, non-chip citizen card and chip-enabled citizen card	Physical characteristics, Issue date, MRZ (for chip-enabled citizen cards)
5	Extract information from the front of 2024 Citizen Card	ID number, Full name, Date of birth, Gender, Nationality
6	Extract information from the back of 2024 Citizen Card	Place of residence, Place of birth registration, Issue date, Expiry date, MRZ
7	Extract passport information	Passport number, Name, Nationality, Date of birth, Place of birth, Gender, Citizen card number, Issue date and Expiry date
8	Extract information from the front of old driver's license	License number, Name, Date of birth, Address, Gender, Nationality, Issue date, and Place of origin
9	Extract information from the back of old driver's license	Place of issue and Issue date
10	Extract information from the front of new driver's license	License number, Name, Date of birth, Address, Gender, Nationality, Expiry date, Issue date, Place of origin, and License class
11	Extract information from the back of new driver's license	Verification result whether the image is the back of a new driver's license

Note: The accuracy of each information field may vary if the input image quality does not meet the requirements specified in section 3.

2.2. Face Match Features

The system provides face matching capabilities to verify if two facial images belong to the same person:

• Compare face in ID document with selfie photo
• High accuracy with various face angles and lighting conditions
• Fast processing time
• Confidence score provided for each comparison

2.3. Quality Check

Automatic verification of document and image quality:

• Image resolution check
• Blur detection
• Proper lighting verification
• Document edge detection
• Glare and reflection detection

2.4. Fraud Check

Advanced fraud detection capabilities:

• Screen/print detection
• Deep fake detection
• Document tampering detection
• Photoshop manipulation detection
• Document authenticity verification

2.5. Liveness Detection

Real-time verification that the person is physically present:

• Active liveness detection (with user interaction)
• Passive liveness detection (single image analysis)
• Anti-spoofing measures
• Multiple liveness check methods

2.6. Face Search

Facial recognition search capabilities:

• High-speed face matching against existing database
• 1:N face matching
• Scalable to millions of faces
• Real-time search results

2.7. NFC-chip Data Verification

The process of verifying data and information in the Citizen ID card chip against the national database via mobile SDK consists of 3 (three) steps:

Step 1: Read chip information through mobile SDK (provided by FPT AI).

Step 2: Send certificate in chip to verify data integrity and validity (service provided by BCA).

Step 3: Receive returned information as TRUE corresponding to "Verified valid" or FALSE corresponding to "Citizen ID card invalid or not yet verified with BCA".

Note: Party A (Customer) can use Step 1 only or all Steps 1-3 provided by FPT AI. For cases where only chip information is read (step 1), Party A proactively performs verification of chip information with C06 BCA data.

2.8. eKYC Admin Portal Data Management

eKYC Admin Portal provides an administration interface for the eKYC process, helping administrators actively customize parameters and service component execution flows, monitor performance, check detailed eKYC execution errors and support service reconciliation. Ensures access and updates to transactions are performed in real-time in the centralized database.

The admin portal allows configuration of eKYC information storage from 0 to maximum 30 days. In cases where customers need to store data beyond 30 days, additional storage infrastructure costs apply.

Detailed features and usage instructions for Admin Portal are described in the "eKYC Admin Portal Guideline" document.

2.9. NFC Chip Information Extraction

Uses SDK on devices with chip reading capability (all iPhone/iOS devices and most Android devices running version 8.0 and above).

Information extracted from chip-enabled Citizen ID cards before and after 2024 are detailed in the "Chip-enabled Citizen ID and CC Content" file.

3. Input Data Requirements

Input data format: Supports image files (.JPG,.JPEG, .PNG,.BMP, .TIFF) or PDF (.PDF)

Input data quality:

For image files:

• File size must not exceed 5MB
• Minimum resolution of 1280x720
• Input image must have 4 clear corners or complete main information of a document such as dates, invoice numbers, contract numbers, titles
• Information fields must be clear, comparable when readable by human eye, without erasures, smudges, lines, bends, glare, tears or water blurs
• Document area must occupy at least 3/4 of total image area

For scanned PDF files:

• File size must not exceed 30MB
• Minimum 300 DPI
• Supports processing files with tilt ≤10°, horizontal rotation, reverse rotation
• System provides warnings for poor image quality cases (blurry scans, streaks, stains, wrinkles, tears, glare), affecting confidence in extraction results. Recording devices with integrated eKYC service must ensure equivalent data quality output, recommended to use SDK provided by FPT to ensure data processing and warn users of non-standard input data cases.

4. System Components

4.1. eKYC Admin Portal: Administration tool supporting user features

View API reports;

View overview and detailed reports of eKYC sessions;

Configure flow parameters, data storage, customized eKYC flow parameters,...

Basic SDK interface configuration and customization.

Detailed information is described in the "eKYC Admin Portal Guideline" document.

4.2. Mobile SDK

SDK providing eKYC flow integration on Android and iOS devices

4.3. Web SDK

SDK providing eKYC flow integration on web platform

4.4. APIs

Providing eKYC services