{"id":195,"date":"2019-07-22T14:27:00","date_gmt":"2019-07-22T07:27:00","guid":{"rendered":"https:\/\/bmpos.com.vn\/?p=195"},"modified":"2019-09-22T00:07:28","modified_gmt":"2019-09-21T17:07:28","slug":"som-thuc-hien-chuyen-doi-the-tu-sang-the-chip","status":"publish","type":"post","link":"https:\/\/bmpos.com.vn\/en\/som-thuc-hien-chuyen-doi-the-tu-sang-the-chip\/","title":{"rendered":"S\u1edbm th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip"},"content":{"rendered":"<p><strong>S\u1eb5n s\u00e0ng chuy\u1ec3n \u0111\u1ed5i<\/strong><\/p>\n<p>Cu\u1ed1i n\u0103m 2018, NHNN ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 41\/2018\/TT-NHNN, b\u1ed5 sung quy \u0111\u1ecbnh ti\u00eau chu\u1ea9n c\u01a1 s\u1edf v\u1ec1 th\u1ebb chip n\u1ed9i \u0111\u1ecba, l\u00e0 B\u1ed9 ti\u00eau chu\u1ea9n c\u01a1 s\u1edf c\u1ee7a NHNN v\u1ec1 c\u00e1c y\u00eau c\u1ea7u k\u1ef9 thu\u1eadt th\u1ebb thanh to\u00e1n n\u1ed9i \u0111\u1ecba c\u00f4ng ngh\u1ec7 chip ti\u1ebfp x\u00fac v\u00e0 chip kh\u00f4ng ti\u1ebfp x\u00fac t\u1ea1i Vi\u1ec7t Nam; y\u00eau c\u1ea7u l\u1ed9 tr\u00ecnh c\u1ee5 th\u1ec3 cho vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i to\u00e0n b\u1ed9 th\u1ebb ATM l\u00e0m b\u1eb1ng th\u1ebb t\u1eeb sang th\u1ebb chip. C\u1ee5 th\u1ec3, \u0111\u1ebfn cu\u1ed1i n\u0103m 2019, \u00edt nh\u1ea5t 30% s\u1ed1 th\u1ebb c\u00f3 BIN (m\u00e3 t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh th\u1ebb) do NHNN c\u1ea5p \u0111ang l\u01b0u h\u00e0nh c\u1ee7a t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh th\u1ebb ph\u1ea3i tu\u00e2n th\u1ee7 Ti\u00eau chu\u1ea9n c\u01a1 s\u1edf v\u1ec1 th\u1ebb chip n\u1ed9i \u0111\u1ecba, \u0111\u1ebfn cu\u1ed1i n\u0103m 2021, t\u1ef7 l\u1ec7 n\u00e0y \u0111\u1ea1t 100%. Chia s\u1ebb v\u1ec1 l\u1ed9 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip, Ph\u00f3 T\u1ed5ng Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty c\u1ed5 ph\u1ea7n Thanh to\u00e1n qu\u1ed1c gia Vi\u1ec7t Nam (NAPAS) Nguy\u1ec5n Quang Minh cho bi\u1ebft, \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m n\u00e0y, qu\u00e1 tr\u00ecnh chu\u1ea9n b\u1ecb v\u1ec1 quy tr\u00ecnh, h\u1ea1 t\u1ea7ng, ngu\u1ed3n l\u1ef1c, k\u1ef9 thu\u1eadt,&#8230; g\u1ea7n nh\u01b0 \u0111\u00e3 ho\u00e0n t\u1ea5t \u0111\u1ec3 s\u1eb5n s\u00e0ng h\u1ed7 tr\u1ee3 t\u1ea5t c\u1ea3 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) trong qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb ch\u00edp, theo y\u00eau c\u1ea7u c\u1ee7a NHNN ban h\u00e0nh t\u1ea1i Th\u00f4ng t\u01b0 s\u1ed1 41. B\u1ed9 ti\u00eau chu\u1ea9n th\u1ebb chip Vi\u1ec7t Nam VCCS c\u0169ng \u0111\u00e3 \u0111\u01b0\u1ee3c NAPAS x\u00e2y d\u1ef1ng theo chu\u1ea9n ri\u00eang cho th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam, t\u01b0\u01a1ng th\u00edch chu\u1ea9n qu\u1ed1c t\u1ebf EMW.<\/p>\n<p>Theo \u0111\u1ea1i di\u1ec7n m\u1ed9t s\u1ed1 NHTM, t\u1eeb ng\u00e0y 28-5, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng b\u1eaft \u0111\u1ea7u ph\u00e1t h\u00e0nh ra th\u1ecb tr\u01b0\u1eddng nh\u1eefng chi\u1ebfc th\u1ebb ATM l\u00e0m b\u1eb1ng c\u00f4ng ngh\u1ec7 chip c\u00f3 t\u00ednh b\u1ea3o m\u1eadt cao \u0111\u1ec3 thay cho th\u1ebb t\u1eeb \u0111ang s\u1eed d\u1ee5ng hi\u1ec7n nay. Tr\u01b0\u1edbc m\u1eaft trong n\u0103m nay, s\u1ebd chuy\u1ec3n \u0111\u1ed5i 21 tri\u1ec7u th\u1ebb ATM sang th\u1ebb chip, chi\u1ebfm kho\u1ea3ng 30%, \u0111\u1ebfn h\u1ebft n\u0103m 2021 to\u00e0n b\u1ed9 th\u1ebb tr\u00ean th\u1ecb tr\u01b0\u1eddng s\u1ebd s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u1ebb chip m\u1edbi. Th\u00f4ng tin t\u1eeb NAPAS c\u0169ng cho th\u1ea5y, \u0111\u1ebfn nay, \u0111\u00e3 c\u00f3 b\u1ea3y ng\u00e2n h\u00e0ng tham gia chuy\u1ec3n \u0111\u1ed5i g\u1ed3m: Vietcombank, BIDV, VietinBank, Agribank, TPBank, Sacombank v\u00e0 ABBank. \u0110\u00e2y l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 s\u1ed1 l\u01b0\u1ee3ng th\u1ebb l\u1edbn, \u01b0\u1edbc t\u00ednh s\u1ed1 l\u01b0\u1ee3ng th\u1ebb chi\u1ebfm kho\u1ea3ng 70% t\u1ed5ng s\u1ed1 th\u1ebb tr\u00ean th\u1ecb tr\u01b0\u1eddng. C\u0169ng theo \u00f4ng Nguy\u1ec5n Quang Minh, vi\u1ec7c \u00e1p d\u1ee5ng ti\u00eau chu\u1ea9n c\u00f4ng ngh\u1ec7 th\u1ebb chip l\u00e0 c\u1ea7n thi\u1ebft b\u1edfi n\u00f3 gi\u00fap h\u1ea1n ch\u1ebf t\u00ecnh tr\u1ea1ng skimming (\u0111\u00e1nh c\u1eafp th\u00f4ng tin l\u00e0m th\u1ebb gi\u1ea3 m\u1ea1o), hay c\u00e1c giao d\u1ecbch gian l\u1eadn c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c n\u01b0\u1edbc ngo\u00e0i v\u1edbi t\u00e0i kho\u1ea3n, th\u1ebb ng\u00e2n h\u00e0ng. Ngo\u00e0i ra, vi\u1ec7c \u00e1p d\u1ee5ng ti\u00eau chu\u1ea9n th\u1ebb chip gi\u1eefa c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 \u0111\u01a1n v\u1ecb cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n s\u1ebd mang l\u1ea1i nhi\u1ec1u ti\u1ec7n \u00edch cho kh\u00e1ch h\u00e0ng t\u1eeb t\u1ed1c \u0111\u1ed9 thanh to\u00e1n cho t\u1edbi b\u1ea3o m\u1eadt th\u00f4ng tin. \u201c\u01afu \u0111i\u1ec3m v\u01b0\u1ee3t tr\u1ed9i c\u1ee7a th\u1ebb chip kh\u00f4ng ti\u1ebfp x\u00fac l\u00e0 giao d\u1ecbch r\u1ea5t nhanh, v\u1edbi c\u00e1c giao d\u1ecbch gi\u00e1 tr\u1ecb nh\u1ecf (d\u1ef1 ki\u1ebfn kho\u1ea3ng d\u01b0\u1edbi m\u1ed9t tri\u1ec7u \u0111\u1ed3ng) s\u1ebd kh\u00f4ng c\u1ea7n nh\u1eadp PIN\/k\u00fd m\u00e0 v\u1eabn c\u00f3 th\u1ec3 giao d\u1ecbch \u0111\u01b0\u1ee3c\u201d, \u00f4ng Nguy\u1ec5n Quang Minh nh\u1ea5n m\u1ea1nh.<\/p>\n<p><strong>T\u0103ng t\u00ednh b\u1ea3o m\u1eadt th\u1ebb ATM<\/strong><\/p>\n<p>B\u00ean c\u1ea1nh vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, m\u1ed9t v\u1ea5n \u0111\u1ec1 \u0111\u01b0\u1ee3c r\u1ea5t nhi\u1ec1u ch\u1ee7 th\u1ebb quan t\u00e2m l\u00e0 li\u1ec7u h\u1ecd c\u00f3 t\u1ed1n ph\u00ed khi th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i hay kh\u00f4ng? B\u1edfi tr\u00ean th\u1ef1c t\u1ebf, chi ph\u00ed \u0111\u1ec3 s\u1ea3n xu\u1ea5t m\u1ed9t chi\u1ebfc th\u1ebb chip cao h\u01a1n kh\u00e1 nhi\u1ec1u so v\u1edbi th\u1ebb t\u1eeb th\u00f4ng th\u01b0\u1eddng. \u0110\u1ebfn th\u1eddi \u0111i\u1ec3m n\u00e0y, v\u1eabn ch\u01b0a c\u00f3 v\u0103n b\u1ea3n ch\u00ednh th\u1ee9c n\u00e0o c\u1ee7a c\u00e1c b\u00ean v\u1ec1 quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn ph\u00ed chuy\u1ec3n \u0111\u1ed5i th\u1ebb. Tuy nhi\u00ean theo chia s\u1ebb t\u1eeb m\u1ed9t s\u1ed1 l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng, m\u1ed7i \u0111\u01a1n v\u1ecb s\u1ebd c\u00f3 ch\u00ednh s\u00e1ch ri\u00eang cho v\u1ea5n \u0111\u1ec1 n\u00e0y. \u201cTh\u1ef1c ch\u1ea5t, chi ph\u00ed l\u00e0m ph\u00f4i th\u1ebb m\u1edbi ch\u1ec9 chi\u1ebfm kho\u1ea3ng 2-3% chi ph\u00ed ph\u00e1t h\u00e0nh th\u1ebb. V\u00ec v\u1eady, chi ph\u00ed chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip s\u1ebd kh\u00f4ng qu\u00e1 cao nh\u01b0 vi\u1ec7c ph\u00e1t h\u00e0nh m\u1ed9t th\u1ebb m\u1edbi th\u00f4ng th\u01b0\u1eddng\u201d, \u0111\u1ea1i di\u1ec7n l\u00e3nh \u0111\u1ea1o NAPAS cho bi\u1ebft th\u00eam. V\u1ec1 chi ph\u00ed chuy\u1ec3n \u0111\u1ed5i, Ch\u1ee7 t\u1ecbch H\u1ed9i Th\u1ebb ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0110\u00e0o Minh Tu\u1ea5n cho bi\u1ebft: C\u00e1c ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i l\u00e0m vi\u1ec7c v\u1edbi c\u00e1c \u0111\u1ed1i t\u00e1c, t\u00ednh to\u00e1n chi ph\u00ed chuy\u1ec3n \u0111\u1ed5i ph\u00f9 h\u1ee3p. B\u1ea3n th\u00e2n c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng s\u1ebd c\u00e2n \u0111\u1ed1i chi ph\u00ed \u0111\u1ec3 chuy\u1ec3n \u0111\u1ed5i b\u1ea3o \u0111\u1ea3m hi\u1ec7u qu\u1ea3 v\u00e0 kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn h\u1ec7 th\u1ed1ng ch\u1ea5p nh\u1eadn th\u1ebb hi\u1ec7n t\u1ea1i. Do \u0111\u00f3, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 s\u1ebd chia th\u00e0nh nhi\u1ec1u giai \u0111o\u1ea1n, \u01b0u ti\u00ean chuy\u1ec3n \u0111\u1ed5i cho nh\u1eefng kh\u00e1ch h\u00e0ng c\u00f3 giao d\u1ecbch th\u01b0\u1eddng xuy\u00ean tr\u01b0\u1edbc. Qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i th\u1ebb d\u1ef1 ki\u1ebfn c\u0169ng s\u1ebd \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo t\u1eebng b\u01b0\u1edbc ch\u1ee9 kh\u00f4ng chuy\u1ec3n \u0111\u1ed5i \u1ed3 \u1ea1t. Tr\u01b0\u1edbc m\u1eaft, c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd ti\u1ebfn h\u00e0nh r\u00e0 so\u00e1t nh\u1eefng th\u1ebb s\u1eafp h\u1ebft h\u1ea1n v\u00e0 kh\u00e1ch h\u00e0ng m\u1edbi \u0111\u0103ng k\u00fd. Song song \u0111\u00f3 l\u00e0 \u0111\u1ed5i cu\u1ed1n chi\u1ebfu \u0111\u1ec3 kh\u00f4ng l\u00e0m \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn giao d\u1ecbch c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n<p>Theo T\u1ed5ng Gi\u00e1m \u0111\u1ed1c TPBank Nguy\u1ec5n H\u01b0ng, TPBank \u0111\u00e3 s\u1edbm ho\u00e0n t\u1ea5t vi\u1ec7c n\u00e2ng c\u1ea5p kh\u1ea3 n\u0103ng ch\u1ea5p nh\u1eadn th\u1ebb chip \u0111\u1ed3ng th\u1eddi cho c\u1ea3 h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd th\u1ebb n\u1ed9i \u0111\u1ecba v\u00e0 qu\u1ed1c t\u1ebf, n\u00e2ng cao t\u00ednh b\u1ea3o m\u1eadt v\u00e0 ti\u1ec7n d\u1ee5ng cho kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng th\u1ebb. TPBank c\u0169ng \u0111\u00e3 t\u00edch h\u1ee3p c\u00f4ng ngh\u1ec7 kh\u00f4ng ti\u1ebfp x\u00fac (contactless) cho c\u1ea3 th\u1ebb qu\u1ed1c t\u1ebf v\u00e0 th\u1ebb n\u1ed9i \u0111\u1ecba, nh\u1edd \u0111\u00f3 kh\u00e1ch h\u00e0ng kh\u00f4ng c\u1ea7n ph\u1ea3i qu\u1eb9t th\u1ebb hay c\u1eafm th\u1ebb v\u00e0o khe c\u1eafm tr\u00ean m\u00e1y POS\/mPOS n\u1eefa m\u00e0 ch\u1ec9 c\u1ea7n c\u1ea7m th\u1ebb l\u01b0\u1edbt nh\u1eb9 qua l\u00e0 thi\u1ebft b\u1ecb \u0111\u00e3 c\u00f3 th\u1ec3 \u0111\u1ecdc \u0111\u01b0\u1ee3c th\u00f4ng tin tr\u00ean th\u1ebb nh\u1edd c\u00e1c \u0103ng-ten t\u00edch h\u1ee3p b\u00ean trong th\u1ebb. Ngo\u00e0i ra, m\u1ed9t l\u00e3nh \u0111\u1ea1o Ng\u00e2n h\u00e0ng VietinBank c\u0169ng cho bi\u1ebft, ng\u00e2n h\u00e0ng n\u00e0y \u0111\u00e3 ph\u00e1t h\u00e0nh th\u1ebb ATM s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 chip EMV. V\u1edbi th\u1ebb chip EMV, t\u00ednh b\u1ea3o m\u1eadt c\u1ee7a th\u1ebb s\u1ebd \u0111\u01b0\u1ee3c n\u00e2ng cao h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi th\u1ebb t\u1eeb v\u00ec t\u1ed9i ph\u1ea1m th\u1ebb kh\u00f4ng th\u1ec3 sao ch\u00e9p \u0111\u01b0\u1ee3c d\u1eef li\u1ec7u \u0111\u1ec3 ch\u1ebf t\u1ea1o th\u1ebb gi\u1ea3 v\u00e0 r\u00fat ti\u1ec1n, nh\u01b0 t\u1eebng l\u00e0m v\u1edbi th\u1ebb t\u1eeb.<\/p>","protected":false},"excerpt":{"rendered":"<p>S\u1eb5n s\u00e0ng chuy\u1ec3n \u0111\u1ed5i Cu\u1ed1i n\u0103m 2018, NHNN ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 41\/2018\/TT-NHNN, b\u1ed5 sung quy \u0111\u1ecbnh ti\u00eau chu\u1ea9n c\u01a1 s\u1edf v\u1ec1 th\u1ebb chip n\u1ed9i \u0111\u1ecba, l\u00e0 B\u1ed9 ti\u00eau chu\u1ea9n c\u01a1 s\u1edf c\u1ee7a NHNN v\u1ec1 c\u00e1c y\u00eau c\u1ea7u k\u1ef9 thu\u1eadt th\u1ebb thanh to\u00e1n n\u1ed9i \u0111\u1ecba c\u00f4ng ngh\u1ec7 chip ti\u1ebfp x\u00fac v\u00e0 chip kh\u00f4ng ti\u1ebfp<\/p>","protected":false},"author":3,"featured_media":196,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false},"categories":[9],"tags":[27,29,30,31,32],"_links":{"self":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/195"}],"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\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/comments?post=195"}],"version-history":[{"count":0,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/195\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media\/196"}],"wp:attachment":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media?parent=195"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/categories?post=195"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/tags?post=195"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}