{"id":1014,"date":"2020-03-17T15:01:33","date_gmt":"2020-03-17T08:01:33","guid":{"rendered":"https:\/\/bmpos.com.vn\/?p=1014"},"modified":"2020-03-17T15:01:33","modified_gmt":"2020-03-17T08:01:33","slug":"the-chip-chip-card-la-gi-tai-sao-nen-dung-the-chip-thay-cho-the-tu","status":"publish","type":"post","link":"https:\/\/bmpos.com.vn\/en\/the-chip-chip-card-la-gi-tai-sao-nen-dung-the-chip-thay-cho-the-tu\/","title":{"rendered":"Th\u1ebb chip (Chip card) l\u00e0 g\u00ec? T\u1ea1i sao n\u00ean d\u00f9ng th\u1ebb chip thay cho th\u1ebb t\u1eeb?"},"content":{"rendered":"

Th\u1ebb chip (ti\u1ebfng Anh: Chip card) l\u00e0 th\u1ebb ghi n\u1ee3 ho\u1eb7c th\u1ebb t\u00edn d\u1ee5ng b\u1eb1ng nh\u1ef1a c\u00f3 k\u00edch th\u01b0\u1edbc theo ti\u00eau chu\u1ea9n v\u00e0 ch\u1ee9a m\u1ed9t con chip n\u1eb1m \u1edf m\u1eb7t tr\u01b0\u1edbc th\u1ebb.<\/span><\/p>\n

Th\u1ebb chip (Chip card)<\/span><\/h2>\n

Kh\u00e1i ni\u1ec7m<\/b><\/span><\/p>\n

Th\u1ebb chip<\/b>\u00a0trong ti\u1ebfng Anh c\u00f3 nhi\u1ec1u c\u00e1ch g\u1ecdi nh\u01b0\u00a0Chip card<\/b>, smart cards, chip-and-pin cards, chip-and-signature cards, Europay – MasterCard – Visa (EMV) card.<\/span><\/p>\n

Th\u1ebb chip<\/i>\u00a0l\u00e0 th\u1ebb ghi n\u1ee3 ho\u1eb7c th\u1ebb t\u00edn d\u1ee5ng b\u1eb1ng nh\u1ef1a c\u00f3 k\u00edch th\u01b0\u1edbc theo ti\u00eau chu\u1ea9n v\u00e0 ch\u1ee9a m\u1ed9t con chip n\u1eb1m \u1edf m\u1eb7t tr\u01b0\u1edbc th\u1ebb. Chip m\u00e3 h\u00f3a th\u00f4ng tin \u0111\u1ec3 t\u0103ng b\u1ea3o m\u1eadt d\u1eef li\u1ec7u khi th\u1ef1c hi\u1ec7n giao d\u1ecbch t\u1ea1i c\u00e1c c\u1eeda h\u00e0ng, thi\u1ebft b\u1ecb \u0111\u1ea7u cu\u1ed1i ho\u1eb7c c\u00e1c m\u00e1y r\u00fat ti\u1ec1n t\u1ef1 \u0111\u1ed9ng (ATM).<\/span><\/p>\n

T\u1ea1i sao n\u00ean d\u00f9ng th\u1ebb chip thay cho th\u1ebb t\u1eeb?<\/span><\/h3>\n

B\u1ea3o m\u1eadt th\u00f4ng tin cao<\/b><\/span><\/p>\n

Th\u1ebb t\u1eeb c\u00f3 b\u1ea3o m\u1eadt kh\u00e1 th\u1ea5p n\u00ean kh\u00f4ng ng\u1ea1c nhi\u00ean khi nh\u1eefng thi\u1ebft b\u1ecb Skimming (thi\u1ebft b\u1ecb \u0111\u00e1nh c\u1eafp th\u00f4ng tin th\u1ebb ATM) lo\u1ea1i c\u0169 nh\u1ea5t c\u0169ng c\u00f3 th\u1ec3 tr\u1ed9m th\u00f4ng tin th\u1ebb ATM c\u1ee7a ng\u01b0\u1eddi d\u00f9ng, khi\u1ebfn cho h\u00e0ng lo\u1ea1t kh\u00e1ch h\u00e0ng \u0111i\u00eau \u0111\u1ee9ng v\u00ec s\u1ed1 ti\u1ec1n kh\u00f4ng c\u00e1nh m\u00e0 bay… B\u1edfi l\u00ed do n\u00e0y, ch\u00fang ta n\u00ean chuy\u1ec3n sang d\u00f9ng\u00a0th\u1ebb chip<\/i>\u00a0\u0111\u1ec3 an t\u00e2m h\u01a1n khi r\u00fat ti\u1ec1n ho\u1eb7c thanh to\u00e1n.<\/span><\/p>\n

Khi c\u1eafm th\u1ebb t\u1eeb v\u00e0o\u00a0m\u00e1y ATM\u00a0v\u00e0 nh\u1eadp\u00a0m\u00e3 PIN<\/a>, th\u00f4ng tin \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef \u1edf d\u1ea3i t\u1eeb v\u00e0 s\u1ebd \u0111\u01b0\u1ee3c truy\u1ec1n \u0111i d\u01b0\u1edbi d\u1ea1ng v\u0103n b\u1ea3n \u201ctr\u1ea7n\u201d, n\u00ean ch\u1ec9 c\u1ea7n m\u1ed9t thi\u1ebft b\u1ecb qu\u00e9t th\u00f4ng th\u01b0\u1eddng l\u00e0 bi\u1ebft ngay PIN\/s\u1ed1 th\u1ebb… c\u1ee7a b\u1ea1n.<\/span><\/p>\n

C\u00f2n v\u1edbi\u00a0th\u1ebb chip<\/i>, th\u00f4ng tin tr\u00ean s\u1ebd \u0111\u01b0\u1ee3c m\u00e3 h\u00f3a th\u00eam m\u1ed9t b\u01b0\u1edbc d\u01b0\u1edbi d\u1ea1ng d\u00e3y k\u00ed s\u1ed1 theo ki\u1ec3u h\u1ec7 nh\u1ecb ph\u00e2n c\u1ee7a m\u00e1y t\u00ednh, v\u00e0 m\u00e3 h\u00f3a n\u00e0y thay \u0111\u1ed5i li\u00ean t\u1ee5c n\u00ean gi\u1ea3 s\u1eed tin t\u1eb7c c\u00f3 may m\u1eafn gi\u1ea3i m\u00e3 v\u00e0 l\u1ea5y \u0111\u01b0\u1ee3c th\u00f4ng tin th\u00ec c\u0169ng kh\u00f3 c\u00f3 th\u1ec3 d\u00f9ng l\u1ea1i…<\/span><\/p>\n

Nguy\u00ean l\u00ed ho\u1ea1t \u0111\u1ed9ng ch\u1eb7t ch\u1ebd<\/b><\/span><\/p>\n

Tr\u00e1i v\u1edbi th\u1ebb t\u1eeb, m\u1ed7i khi\u00a0th\u1ebb chip<\/i>\u00a0\u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 thanh to\u00e1n th\u00ec chip s\u1ebd t\u1ea1o ra m\u1ed9t m\u00e3 giao d\u1ecbch \u0111\u1ed9c nh\u1ea5t v\u00e0 kh\u00f4ng bao gi\u1edd l\u1eb7p l\u1ea1i. Trong tr\u01b0\u1eddng h\u1ee3p th\u1ebb c\u1ee7a kh\u00e1ch h\u00e0ng b\u1ecb \u0111\u00e1nh c\u1eafp th\u00f4ng tin t\u1eeb m\u1ed9t c\u1eeda h\u00e0ng n\u00e0o \u0111\u00f3, chi\u1ebfc th\u1ebb gi\u1ea3 s\u1ebd kh\u00f4ng bao gi\u1edd ho\u1ea1t \u0111\u1ed9ng v\u00ec m\u00e3 giao d\u1ecbch b\u1ecb tr\u1ed9m s\u1ebd kh\u00f4ng d\u00f9ng l\u1ea1i \u0111\u01b0\u1ee3c, chi\u1ebfc th\u1ebb \u0111\u00f3 s\u1ebd b\u1ecb t\u1eeb ch\u1ed1i.<\/span><\/p>\n

\u0110\u1ec3 m\u1ed9t giao d\u1ecbch tr\u00ean\u00a0th\u1ebb chip<\/i>\u00a0th\u00e0nh c\u00f4ng s\u1ebd ph\u1ea3i tr\u1ea3i qua nh\u1eefng b\u01b0\u1edbc x\u00e1c nh\u1eadn ph\u1ee9c t\u1ea1p 2 chi\u1ec1u t\u1eeb thi\u1ebft b\u1ecb nh\u1eadn th\u1ebb \u0111\u1ebfn ng\u00e2n h\u00e0ng thanh to\u00e1n, t\u1ed5 ch\u1ee9c Mastercard\/Visa v\u00e0 ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh. Khi \u0111\u01b0\u1ee3c t\u1ea5t c\u1ea3 nh\u1eefng t\u1ed5 ch\u1ee9c li\u00ean quan c\u1ea5p ph\u00e9p, giao d\u1ecbch m\u1edbi th\u00e0nh c\u00f4ng.<\/span><\/p>\n

Qui tr\u00ecnh x\u1eed l\u00ed c\u1ee7a\u00a0th\u1ebb chip<\/i>\u00a0c\u00f3 ph\u1ee9c t\u1ea1p h\u01a1n th\u1ebb t\u1eeb m\u1ed9t ch\u00fat v\u00ec c\u00f3 th\u00eam t\u1ed5 ch\u1ee9c Visa\/ MasterCard tham gia x\u00e1c minh th\u1ebb, qui tr\u00ecnh kh\u00e9p k\u00edn v\u00e0 quay v\u00f2ng tr\u00f2n nh\u01b0ng c\u0169ng ch\u1ec9 m\u1ea5t v\u00e0i gi\u00e2y \u0111\u1ec3 \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn y\u00eau c\u1ea7u truy c\u1eadp v\u00e0o t\u00e0i kho\u1ea3n b\u1eb1ng th\u1ebb, kh\u00f4ng kh\u00e1c th\u1ebb t\u1eeb nhi\u1ec1u.<\/span><\/p>\n

C\u00e1c ng\u00e2n h\u00e0ng \u0111ang cung c\u1ea5p th\u1ebb chip<\/span><\/b><\/span><\/h4>\n

B\u00ean ca\u0323nh ng\u00e2n ha\u0300ng qu\u00f4\u0301c t\u00ea\u0301 nh\u01b0: HSBC, CitiBank… ca\u0301c ng\u00e2n ha\u0300ng Vi\u00ea\u0323t Nam cu\u0303ng \u0111ang tr\u00ean \u0111a\u0300 chuy\u00ea\u0309n \u0111\u00f4\u0309i toa\u0300n b\u00f4\u0323 sang\u00a0the\u0309 chip<\/i>. Co\u0301 r\u00e2\u0301t nhi\u00ea\u0300u ng\u00e2n ha\u0300ng l\u01a1\u0301n gi\u01a1\u0301i thi\u00ea\u0323u loa\u0323i\u00a0the\u0309 ti\u0301n du\u0323ng\u00a0va\u0300\u00a0the\u0309 ghi n\u01a1\u0323 qu\u00f4\u0301c t\u00ea\u0301\u00a0co\u0301 chip ti\u00ean ti\u00ea\u0301n nh\u01b0: VIB, VietinBank, VietcomBank, Techcombank, ACB, Sacombank… Trong t\u01b0\u01a1ng lai, ch\u0103\u0301c ch\u0103\u0301n mo\u0323i ng\u00e2n ha\u0300ng pha\u0309i chuy\u00ea\u0309n \u0111\u00f4\u0309i sang\u00a0the\u0309 Chip<\/i>\u00a0vi\u0300 s\u01b0\u0323 ba\u0309o m\u00e2\u0323t va\u0300 an toa\u0300n cu\u0309a kha\u0301ch ha\u0300ng.<\/span><\/p>\n

M\u1ed9t s\u1ed1 l\u01b0u \u00fd khi d\u00f9ng th\u1ebb chip<\/b><\/span><\/p>\n

Kh\u00f4ng n\u00ean r\u00fat ti\u1ec1n t\u1ea1i ATM ngo\u00e0i h\u1ec7 th\u1ed1ng v\u00ec ph\u00ed r\u00fat r\u1ea5t cao (4%\/s\u1ed1 ti\u1ec1n, \u00edt nh\u1ea5t 50.000 VND); Ch\u1ec9 chuy\u1ec3n kho\u1ea3n trong n\u1ed9i b\u1ed9 h\u1ec7 th\u1ed1ng qua m\u00e1y ATM;\u00a0Th\u1ebb chip<\/i>\u00a0l\u00e0 th\u1ebb qu\u1ed1c t\u1ebf n\u00ean c\u00f3 th\u1ec3 mua h\u00e0ng online, d\u00f9ng tr\u00ean to\u00e0n c\u1ea7u. B\u1ea1n c\u0169ng n\u00ean x\u00f3a s\u1ed1 CVV \u1edf m\u1eb7t sau th\u1ebb; Ph\u00ed thu h\u00e0ng n\u0103m ch\u1ec9 cao h\u01a1n th\u1ebb t\u1eeb kho\u1ea3ng 30.000 VND t\u00f9y ng\u00e2n h\u00e0ng.<\/span><\/p>\n

\u0110a s\u1ed1 kh\u00e1ch h\u00e0ng \u0111ang s\u1eed d\u1ee5ng th\u1ebb ghi n\u1ee3 n\u1ed9i \u0111\u1ecba (\u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 th\u1ebb ATM), l\u00e0 th\u1ebb t\u1eeb. H\u01a1n n\u1eefa l\u1ea1i ch\u1ee7 y\u1ebfu d\u00f9ng \u0111\u1ec3 r\u00fat ti\u1ec1n t\u1ea1i m\u00e1y ATM m\u00e0 n\u01a1i n\u00e0y l\u00e0 \u0111\u1ecba \u0111i\u1ec3m c\u00e1c tin t\u1eb7c d\u1ec5 d\u00e0ng hack th\u00f4ng tin th\u1ebb nh\u1ea5t, do \u0111\u00f3 chuy\u1ec3n sang d\u00f9ng\u00a0th\u1ebb chip\u00a0<\/b>s\u1ebd b\u1ea3o m\u1eadt h\u01a1n r\u1ea5t nhi\u1ec1u.<\/span><\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o: thebank.vn, investopedia.com)<\/i><\/span><\/p>\n

 <\/p>","protected":false},"excerpt":{"rendered":"

Th\u1ebb chip (ti\u1ebfng Anh: Chip card) l\u00e0 th\u1ebb ghi n\u1ee3 ho\u1eb7c th\u1ebb t\u00edn d\u1ee5ng b\u1eb1ng nh\u1ef1a c\u00f3 k\u00edch th\u01b0\u1edbc theo ti\u00eau chu\u1ea9n v\u00e0 ch\u1ee9a m\u1ed9t con chip n\u1eb1m \u1edf m\u1eb7t tr\u01b0\u1edbc th\u1ebb. Th\u1ebb chip (Chip card) Kh\u00e1i ni\u1ec7m Th\u1ebb chip\u00a0trong ti\u1ebfng Anh c\u00f3 nhi\u1ec1u c\u00e1ch g\u1ecdi nh\u01b0\u00a0Chip card, smart cards, chip-and-pin cards, chip-and-signature cards, Europay<\/p>","protected":false},"author":4,"featured_media":1015,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false},"categories":[9],"tags":[],"_links":{"self":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/1014"}],"collection":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/comments?post=1014"}],"version-history":[{"count":1,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/1014\/revisions"}],"predecessor-version":[{"id":1017,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/1014\/revisions\/1017"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media\/1015"}],"wp:attachment":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media?parent=1014"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/categories?post=1014"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/tags?post=1014"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}