{"id":1092,"date":"2020-03-26T11:02:42","date_gmt":"2020-03-26T04:02:42","guid":{"rendered":"https:\/\/bmpos.com.vn\/?p=1092"},"modified":"2020-03-26T11:05:35","modified_gmt":"2020-03-26T04:05:35","slug":"1092","status":"publish","type":"post","link":"https:\/\/bmpos.com.vn\/en\/1092\/","title":{"rendered":"Thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac"},"content":{"rendered":"

Thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac (contactless) b\u1eb1ng c\u00e1ch v\u1eaby, ch\u1ea1m nh\u1eb9 l\u00ean m\u00e1y POS \u0111\u1ec3 thanh to\u00e1n, l\u00e0 xu h\u01b0\u1edbng thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111ang \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u01b0\u1eddi s\u1eed d\u1ee5ng, b\u00ean c\u1ea1nh h\u00ecnh th\u1ee9c qu\u1eb9t th\u1ebb n\u1ed9i \u0111\u1ecba, th\u1ebb qu\u1ed1c t\u1ebf v\u00e0 thanh to\u00e1n b\u1eb1ng m\u00e3 QR th\u00f4ng qua c\u00e1c thi\u1ebft b\u1ecb di \u0111\u1ed9ng. H\u00ecnh th\u1ee9c n\u00e0y \u0111\u01b0\u1ee3c \u0111\u00f3n nh\u1eadn kh\u00f4ng ch\u1ec9 b\u1edfi s\u1ef1 phong c\u00e1ch, ti\u1ec7n l\u1ee3i m\u00e0 c\u00f2n th\u1ec3 hi\u1ec7n \u0111\u1eb7c t\u00ednh an to\u00e0n cao.<\/span><\/h2>\n

Thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac (contactless) b\u1eb1ng c\u00e1ch v\u1eaby, ch\u1ea1m nh\u1eb9 l\u00ean m\u00e1y POS \u0111\u1ec3 thanh to\u00e1n, l\u00e0 xu h\u01b0\u1edbng thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111ang \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u01b0\u1eddi s\u1eed d\u1ee5ng, b\u00ean c\u1ea1nh h\u00ecnh th\u1ee9c qu\u1eb9t th\u1ebb n\u1ed9i \u0111\u1ecba, th\u1ebb qu\u1ed1c t\u1ebf v\u00e0 thanh to\u00e1n b\u1eb1ng m\u00e3 QR th\u00f4ng qua c\u00e1c thi\u1ebft b\u1ecb di \u0111\u1ed9ng. H\u00ecnh th\u1ee9c n\u00e0y \u0111\u01b0\u1ee3c \u0111\u00f3n nh\u1eadn kh\u00f4ng ch\u1ec9 b\u1edfi s\u1ef1 phong c\u00e1ch, ti\u1ec7n l\u1ee3i m\u00e0 c\u00f2n th\u1ec3 hi\u1ec7n \u0111\u1eb7c t\u00ednh an to\u00e0n cao.<\/span><\/p>\n

B\u00e1o c\u00e1o c\u0169ng cho bi\u1ebft th\u00f3i quen s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 thanh to\u00e1n m\u1edbi \u0111ang tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn. 44% s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c kh\u1ea3o s\u00e1t cho bi\u1ebft s\u1eed d\u1ee5ng h\u00ecnh th\u1ee9c thanh to\u00e1n qua c\u00e1c \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng, 32% s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac, 19% s\u1eed d\u1ee5ng h\u00ecnh th\u1ee9c thanh to\u00e1n b\u1eb1ng m\u00e3 QR (s\u1eed d\u1ee5ng \u0111i\u1ec7n tho\u1ea1i qu\u00e9t m\u00e3 giao d\u1ecbch \u0111\u1ec3 chuy\u1ec3n ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n c\u1ee7a ng\u01b0\u1eddi b\u00e1n).\u00a0<\/span><\/p>\n

T\u1ef7 l\u1ec7 32% s\u1ed1 ng\u01b0\u1eddi trong kh\u1ea3o s\u00e1t tr\u00ean \u0111ang s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u1ebb kh\u00f4ng ti\u1ebfp x\u00fac, cho th\u1ea5y ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111ang d\u1ea7n hi\u1ec3u r\u00f5 h\u01a1n nh\u1eefng l\u1ee3i \u00edch, t\u00ednh b\u1ea3o m\u1eadt v\u00e0 s\u1ef1 ti\u1ec7n l\u1ee3i c\u00f4ng ngh\u1ec7 n\u00e0y mang l\u1ea1i trong c\u00e1c giao d\u1ecbch h\u00e0ng ng\u00e0y.<\/span><\/p>\n

T\u1ed5ng h\u1ee3p t\u1eeb c\u00e1c nh\u1eadn \u0111\u1ecbnh chung c\u1ee7a gi\u1edbi c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh, cho th\u1ea5y c\u00f4ng ngh\u1ec7 th\u1ebb chip kh\u00f4ng ti\u1ebfp x\u00fac c\u00f3 nhi\u1ec1u \u01b0u \u0111i\u1ec3m, nh\u01b0 t\u1ed1c \u0111\u1ed9 x\u1eed l\u00fd th\u00f4ng tin giao d\u1ecbch nhanh h\u01a1n; kh\u1ea3 n\u0103ng l\u01b0u tr\u1eef th\u00f4ng tin l\u1edbn g\u1ea5p 13 l\u1ea7n, gi\u00fap ng\u00e2n h\u00e0ng (NH) c\u00f3 th\u1ec3 t\u00edch h\u1ee3p nhi\u1ec1u \u1ee9ng d\u1ee5ng ti\u1ec7n \u00edch cho kh\u00e1ch h\u00e0ng trong 1 th\u1ebb; t\u0103ng t\u00ednh b\u1ea3o m\u1eadt trong qu\u00e1 tr\u00ecnh s\u1eed d\u1ee5ng, h\u1ea1n ch\u1ebf t\u1ed1i \u0111a nguy c\u01a1 b\u1ecb t\u1ed9i ph\u1ea1m c\u00f4ng ngh\u1ec7 t\u1ea5n c\u00f4ng (skimming), h\u1ea1n ch\u1ebf l\u00e0m th\u1ebb gi\u1ea3 khi kh\u00f4ng ph\u1ea3i xu\u1ea5t tr\u00ecnh th\u1ebb cho ng\u01b0\u1eddi b\u00e1n h\u00e0ng, kh\u00f4ng b\u1ecb l\u1ed9 th\u00f4ng tin in tr\u00ean th\u1ebb, kh\u00f4ng b\u1ecb l\u1ed9 s\u1ed1 PIN\u2026 V\u1edbi th\u1ebb kh\u00f4ng ti\u1ebfp x\u00fac MasterCard, khi thanh to\u00e1n, ng\u01b0\u1eddi d\u00f9ng ch\u1eb3ng may ch\u1ea1m nhi\u1ec1u l\u1ea7n, giao d\u1ecbch c\u0169ng ch\u1ec9 di\u1ec5n ra \u0111\u00fang 1 l\u1ea7n.<\/span><\/p>\n

D\u01b0 \u0111\u1ecba ph\u00e1t tri\u1ec3n r\u1ed9ng l\u1edbn
\n<\/strong><\/span><\/p>\n

Th\u1ebb kh\u00f4ng ti\u1ebfp x\u00fac c\u00f3 m\u1eb7t l\u1ea7n \u0111\u1ea7u ti\u00ean t\u1ea1i Vi\u1ec7t Nam n\u0103m 2013, khi Eximbank ph\u1ed1i h\u1ee3p v\u1edbi MasterCard mang t\u00ean MasterCard PayPass. Tuy nhi\u00ean, cho \u0111\u1ebfn n\u0103m 2017-2018, c\u00e1c NH nh\u01b0 Vietcombank, Sacombank, Techcombank, Vietcapital Bank\u2026 \u0111\u1ed3ng lo\u1ea1t ph\u00e1t h\u00e0nh c\u00e1c lo\u1ea1i th\u1ebb kh\u00f4ng ti\u1ebfp x\u00fac, c\u00f4ng ngh\u1ec7 n\u00e0y m\u1edbi \u0111\u01b0\u1ee3c ng\u01b0\u1eddi d\u00f9ng ch\u00fa \u00fd.<\/span><\/p>\n

\u0110\u1ebfn nay, Sacombank \u0111\u00e3 h\u1ee3p t\u00e1c v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c th\u1ebb Visa, MasterCard, JCB tri\u1ec3n khai c\u00f4ng ngh\u1ec7 thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac tr\u00ean nhi\u1ec1u d\u00f2ng th\u1ebb qu\u1ed1c t\u1ebf. Vietcombank tri\u1ec3n khai cho t\u1ea5t c\u1ea3 th\u01b0\u01a1ng hi\u1ec7u th\u1ebb do NH ph\u00e1t h\u00e0nh, bao g\u1ed3m c\u1ea3 th\u1ebb qu\u1ed1c t\u1ebf Visa, MasterCard, American Express, JCB, UnionPay v\u00e0 th\u1ebb n\u1ed9i \u0111\u1ecba Napas.<\/span><\/p>\n

\u00d4ng Thomas William Tobin, Gi\u00e1m \u0111\u1ed1c kh\u1ed1i b\u00e1n l\u1ebb Vietcombank, chia s\u1ebb 2019 s\u1ebd l\u00e0 n\u0103m thay \u0111\u1ed5i r\u1ea5t l\u1edbn trong c\u00f4ng ngh\u1ec7 thanh to\u00e1n, nh\u1ea5t l\u00e0 lo\u1ea1i th\u1ebb kh\u00f4ng ti\u1ebfp x\u00fac, sau khi NHNN ban h\u00e0nh B\u1ed9 ti\u00eau chu\u1ea9n c\u01a1 s\u1edf v\u1ec1 th\u1ebb chip n\u1ed9i \u0111\u1ecba v\u00e0 B\u1ed9 ti\u00eau chu\u1ea9n c\u01a1 s\u1edf \u0111\u1eb7c t\u1ea3 k\u1ef9 thu\u1eadt QR Code.<\/span><\/p>\n

T\u1edbi \u0111\u00e2y, Vietcombank s\u1ebd n\u00e2ng c\u1ea5p c\u00e1c \u0111i\u1ec3m ch\u1ea5p nh\u1eadn th\u1ebb \u0111\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c th\u1ebb kh\u00f4ng ti\u1ebfp x\u00fac. Ph\u01b0\u01a1ng th\u1ee9c n\u00e0y mang l\u1ea1i l\u1ee3i \u00edch r\u1ea5t l\u1edbn, \u0111\u1eb7c bi\u1ec7t v\u1edbi nh\u1eefng giao d\u1ecbch nh\u1ecf v\u00ec kh\u00f4ng c\u1ea7n qu\u1eb9t, ch\u1ec9 c\u1ea7n ch\u1ea1m l\u00e0 c\u00f3 th\u1ec3 thanh to\u00e1n. Nh\u01b0ng \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n s\u1eed d\u1ee5ng r\u1ed9ng r\u00e3i, NH c\u1ea7n gi\u1ea3i th\u00edch cho kh\u00e1ch h\u00e0ng hi\u1ec3u \u0111\u00e2y l\u00e0 ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n an to\u00e0n h\u01a1n ph\u01b0\u01a1ng th\u1ee9c qu\u1eb9t th\u1ebb.<\/span><\/p>\n

Th\u00e1ng 3\/2019, SCB ra m\u1eaft th\u1ebb thanh to\u00e1n qu\u1ed1c t\u1ebf SCB beYOU, v\u1edbi thi\u1ebft k\u1ebf d\u1ecdc c\u00e1 t\u00ednh, ng\u01b0\u1eddi Vi\u1ec7t ho\u1eb7c ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111ang c\u01b0 tr\u00fa t\u1ea1i Vi\u1ec7t Nam, t\u1eeb 15 tu\u1ed5i tr\u1edf l\u00ean \u0111\u1ec1u c\u00f3 th\u1ec3 m\u1edf th\u1ebb kh\u00f4ng c\u1ea7n ch\u1ee9ng minh thu nh\u1eadp. \u0110i\u1ec3m \u0111\u00e1ng ch\u00fa \u00fd c\u1ee7a th\u1ebb SCB beYOU l\u00e0 \u0111a d\u1ea1ng ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n, nh\u01b0 thanh to\u00e1n tr\u1ef1c ti\u1ebfp t\u1eeb \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh kh\u00f4ng c\u1ea7n th\u1ebb, ho\u1eb7c thao t\u00e1c ch\u1ea1m hay v\u1eaby nh\u1eb9 th\u1ebb tr\u01b0\u1edbc m\u00e0n h\u00ecnh m\u00e1y POS, v\u00ec th\u1ebb n\u00e0y t\u00edch h\u1ee3p c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i nh\u01b0 QR Easy v\u00e0 Samsung Pay l\u1eabn c\u00f4ng ngh\u1ec7 kh\u00f4ng ti\u1ebfp x\u00fac.\u00a0<\/span><\/p>\n

\n

Theo c\u00f4ng b\u1ed1 c\u1ee7a MasterCard v\u00e0o th\u00e1ng 9-2018, t\u1ea1i ch\u00e2u \u00c2u c\u00f3 g\u1ea7n 50% s\u1ed1 l\u01b0\u1ee3t thanh to\u00e1n qua th\u1ebb s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 kh\u00f4ng ti\u1ebfp x\u00fac. C\u00f4ng ty Nghi\u00ean c\u1ee9u c\u00f4ng ngh\u1ec7 ABI Research d\u1ef1 b\u00e1o s\u1ed1 l\u01b0\u1ee3ng th\u1ebb thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh h\u00e0ng n\u0103m \u1edf M\u1ef9 s\u1ebd t\u0103ng l\u00ean 330 tri\u1ec7u \u0111\u01a1n v\u1ecb, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 55% t\u1ed5ng l\u01b0\u1ee3ng th\u1ebb t\u00edn d\u1ee5ng v\u00e0 th\u1ebb ghi n\u1ee3 m\u1edbi v\u00e0o n\u0103m 2020, t\u0103ng m\u1ea1nh so v\u1edbi con s\u1ed1 25 tri\u1ec7u th\u1ebb v\u00e0o n\u0103m 2015. Trong khu v\u1ef1c \u0110\u00f4ng Nam \u00c1, Singapore c\u00f3 \u0111\u1ebfn 80% giao d\u1ecbch th\u1ef1c hi\u1ec7n b\u1eb1ng h\u00ecnh th\u1ee9c kh\u00f4ng ti\u1ebfp x\u00fac.\u00a0<\/span><\/p>\n

T\u1ea1i Vi\u1ec7t Nam, c\u00f4ng ngh\u1ec7 tr\u00ean v\u1eabn \u0111ang \u1edf giai \u0111o\u1ea1n \u0111\u1ea7u th\u00e2m nh\u1eadp v\u00e0o c\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n hi\u1ec7n \u0111\u1ea1i, sau v\u00ed \u0111i\u1ec7n t\u1eed v\u00e0 thanh to\u00e1n qua m\u00e3 QR. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y v\u1eabn c\u00f2n nhi\u1ec1u d\u01b0 \u0111\u1ecba \u0111\u1ec3 thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac b\u00f9ng n\u1ed5 trong t\u01b0\u01a1ng lai, \u0111\u1eb7c bi\u1ec7t khi s\u1ef1 \u0111\u00f3n nh\u1eadn c\u1ee7a ng\u01b0\u1eddi d\u00f9ng \u0111\u1ed1i v\u1edbi th\u1ebb kh\u00f4ng ti\u1ebfp x\u00fac \u0111ang r\u1ea5t t\u00edch c\u1ef1c.\u00a0<\/span><\/p>\n<\/div>\n

Theo Y\u00ean Lam\/saigondautu.vn<\/span><\/p>\n

 <\/p>\n

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

Thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac (contactless) b\u1eb1ng c\u00e1ch v\u1eaby, ch\u1ea1m nh\u1eb9 l\u00ean m\u00e1y POS \u0111\u1ec3 thanh to\u00e1n, l\u00e0 xu h\u01b0\u1edbng thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111ang \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u01b0\u1eddi s\u1eed d\u1ee5ng, b\u00ean c\u1ea1nh h\u00ecnh th\u1ee9c qu\u1eb9t th\u1ebb n\u1ed9i \u0111\u1ecba, th\u1ebb qu\u1ed1c t\u1ebf v\u00e0 thanh to\u00e1n b\u1eb1ng m\u00e3 QR th\u00f4ng qua c\u00e1c thi\u1ebft b\u1ecb di<\/p>","protected":false},"author":4,"featured_media":1093,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/1092"}],"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=1092"}],"version-history":[{"count":2,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/1092\/revisions"}],"predecessor-version":[{"id":1097,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/1092\/revisions\/1097"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media\/1093"}],"wp:attachment":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media?parent=1092"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/categories?post=1092"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/tags?post=1092"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}