{"id":559,"date":"2019-11-28T11:10:38","date_gmt":"2019-11-28T04:10:38","guid":{"rendered":"https:\/\/bmpos.com.vn\/?p=559"},"modified":"2019-11-28T11:14:24","modified_gmt":"2019-11-28T04:14:24","slug":"vi-sao-can-phai-su-dung-the-chip-atm","status":"publish","type":"post","link":"https:\/\/bmpos.com.vn\/en\/vi-sao-can-phai-su-dung-the-chip-atm\/","title":{"rendered":"V\u00ec sao c\u1ea7n ph\u1ea3i s\u1eed d\u1ee5ng th\u1ebb chip ATM"},"content":{"rendered":"

T\u0103ng c\u01b0\u1eddng an to\u00e0n, b\u1ea3o m\u1eadt th\u00f4ng tin cao, h\u1ea1n ch\u1ebf t\u1ed1i \u0111a r\u1ee7i ro v\u1ec1 gian l\u1eadn, l\u1ea5y c\u1eafp th\u00f4ng tin th\u1ebb (skimming)\u2026 l\u00e0 nh\u1eefng \u01b0u \u0111i\u1ec3m v\u01b0\u1ee3t tr\u1ed9i m\u00e0 th\u1ebb c\u00f4ng ngh\u1ec7 chip mang l\u1ea1i.<\/strong><\/p>\n

Th\u1eddi gian g\u1ea7n \u0111\u00e2y, c\u00e1c ng\u00e2n h\u00e0ng \u0111ang c\u1ea5p t\u1eadp tri\u1ec3n khai \u00e1p d\u1ee5ng th\u1ebb ATM theo chu\u1ea9n th\u1ebb chip n\u1ed9i \u0111\u1ecba VCCS, tu\u00e2n theo ti\u00eau chu\u1ea9n qu\u1ed1c t\u1ebf EMV c\u0169ng nh\u01b0 t\u0103ng c\u01b0\u1eddng truy\u1ec1n th\u00f4ng t\u1edbi kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh v\u1ec1 vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i n\u00e0y.<\/p>\n

V\u00ec sao n\u00ean s\u1eed d\u1ee5ng th\u1ebb ATM c\u00f4ng ngh\u1ec7 chip?<\/p>\n

Th\u1ebb t\u1eeb c\u00f3 m\u1ee9c \u0111\u1ed9 b\u1ea3o m\u1eadt th\u00f4ng tin kh\u00e1 th\u1ea5p b\u1edfi th\u00f4ng tin \u0111\u01b0\u1ee3c l\u01b0u tr\u00ean d\u1ea3i t\u1eeb \u1edf m\u1eb7t sau c\u1ee7a th\u1ebb kh\u00f4ng \u0111\u01b0\u1ee3c m\u00e3 ho\u00e1. Khi kh\u00e1ch h\u00e0ng c\u1eafm th\u1ebb v\u00e0o m\u00e1y ATM hay qu\u1eb9t th\u1ebb tr\u00ean m\u00e1y POS, th\u00f4ng tin l\u01b0u tr\u1eef \u1edf d\u1ea3i t\u1eeb s\u1ebd \u0111\u01b0\u1ee3c \u0111\u1ecdc b\u1edfi c\u00e1c \u0111\u1ea7u \u0111\u1ecdc trong m\u00e1y, do v\u1eady ch\u1ec9 c\u1ea7n m\u1ed9t thi\u1ebft b\u1ecb qu\u1eb9t th\u1ebb t\u1eeb th\u00f4ng d\u1ee5ng, k\u1ebb gian c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng \u0111\u00e1nh c\u1eafp th\u00f4ng tin th\u1ebb, sau \u0111\u00f3 c\u0169ng d\u1ec5 d\u00e0ng t\u1ea1o ra c\u00e1c th\u1ebb gi\u1ea3 v\u1edbi th\u00f4ng tin sao ch\u00e9p \u0111\u01b0\u1ee3c, \u0111\u1ed3ng th\u1eddi g\u1eafn c\u00e1c thi\u1ebft b\u1ecb l\u00e9n ghi l\u1ea1i \u0111\u1ed9ng t\u00e1c nh\u1eadp m\u00e3 PIN c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 nh\u01b0 v\u1eady l\u00e0 \u0111\u1ee7 \u0111\u1ec3 k\u1ebb gian c\u00f3 th\u1ec3 tr\u1ed9m ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng. \u0110\u00e2y l\u00e0 h\u00ecnh th\u1ee9c t\u1ed9i ph\u1ea1m kh\u00e1 ph\u1ed5 bi\u1ebfn, th\u01b0\u1eddng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 skimming.<\/p>\n

Nh\u01b0ng v\u1edbi th\u1ebb chip theo ti\u00eau chu\u1ea9n EMV th\u00ec kh\u00e1c, th\u1ebb \u0111\u01b0\u1ee3c g\u1eafn chip \u0111i\u1ec7n t\u1eed, \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 ng\u0103n ch\u1eb7n c\u00e1c h\u00e0nh vi gian l\u1eadn skimming nh\u1edd c\u00f3 kh\u1ea3 n\u0103ng l\u01b0u tr\u1eef v\u00e0 m\u00e3 h\u00f3a th\u00f4ng tin v\u1edbi \u0111\u1ed9 b\u1ea3o m\u1eadt cao.<\/p>\n

Th\u1ebb chip gi\u00fap h\u1ea1n ch\u1ebf t\u1ed1i \u0111a t\u00ecnh tr\u1ea1ng skimming<\/p>\n

Theo \u0111\u00f3, chip EMV s\u1ebd t\u1ea1o d\u1eef li\u1ec7u m\u1edbi m\u1ed7i khi kh\u00e1ch h\u00e0ng th\u1ef1c hi\u1ec7n giao d\u1ecbch. Khi b\u1ea1n s\u1eed d\u1ee5ng th\u1ebb c\u00f4ng ngh\u1ec7 chip EMV t\u1ea1i m\u1ed9t thi\u1ebft b\u1ecb \u0111\u1ecdc th\u1ebb, th\u1ebb s\u1ebd t\u1ea1o ra m\u1ed9t chu\u1ed7i m\u00e3 h\u00f3a duy nh\u1ea5t ch\u1ec9 d\u00e0nh ri\u00eang cho giao d\u1ecbch \u0111\u00f3. M\u00e3 h\u00f3a n\u00e0y kh\u00f4ng th\u1ec3 s\u1eed d\u1ee5ng cho m\u1ed9t giao d\u1ecbch kh\u00e1c b\u1edfi n\u00f3 \u0111\u01b0\u1ee3c t\u1ea1o t\u1eeb s\u1ef1 k\u1ebft h\u1ee3p th\u00f4ng tin c\u00f3 trong chip v\u00e0 th\u00f4ng tin c\u00f3 trong thi\u1ebft b\u1ecb \u0111\u1ecdc th\u1ebb. \u0110i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a, b\u1ea1n s\u1ebd kh\u00f4ng ph\u1ea3i lo th\u00f4ng tin th\u1ebb b\u1ecb sao ch\u00e9p do \u0111\u00e3 \u0111\u01b0\u1ee3c m\u00e3 ho\u00e1, k\u1ebft h\u1ee3p th\u00eam v\u1edbi m\u00e3 PIN c\u1ee7a ch\u00ednh b\u1ea1n th\u00ec kh\u1ea3 n\u0103ng b\u1ecb gian l\u1eadn \u0111\u01b0\u1ee3c gi\u1ea3m thi\u1ec3u t\u1ed1i \u0111a.<\/p>\n

M\u1ed9t giao d\u1ecbch tr\u00ean th\u1ebb EMV th\u00e0nh c\u00f4ng s\u1ebd ph\u1ea3i tr\u1ea3i qua b\u01b0\u1edbc x\u00e1c th\u1ef1c 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, th\u00f4ng qua c\u1ed5ng thanh to\u00e1n th\u1ebb c\u1ee7a Napas v\u00e0 ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh. Ch\u1ec9 khi \u0111\u01b0\u1ee3c t\u1ea5t c\u1ea3 nh\u1eefng t\u1ed5 ch\u1ee9c li\u00ean quan c\u1ea5p ph\u00e9p chu\u1ea9n chi, giao d\u1ecbch m\u1edbi th\u00e0nh c\u00f4ng.<\/p>\n

Theo th\u00f4ng tin t\u1eeb Napas, hi\u1ec7n t\u1ea1i \u0111\u00e3 c\u00f3 7 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ph\u1ed1i h\u1ee3p v\u1edbi Napas tri\u1ec3n khai th\u00e0nh c\u00f4ng vi\u1ec7c vi\u1ec7c ph\u00e1t h\u00e0nh v\u00e0 ch\u1ea5p nh\u1eadn thanh to\u00e1n th\u1ebb chip n\u1ed9i \u0111\u1ecba.<\/p>\n

Theo y\u00eau c\u1ea7u c\u1ee7a NHNN, trong n\u0103m 2019, c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i chuy\u1ec3n \u0111\u1ed5i \u00edt nh\u1ea5t 30% s\u1ed1 th\u1ebb t\u1eeb s\u00e1ng th\u1ebb chip n\u1ed9i \u0111\u1ecba, v\u00e0 h\u1ea1n ch\u00f3t cho vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i ho\u00e0n to\u00e0n sang c\u00f4ng ngh\u1ec7 th\u1ebb chip l\u00e0 cu\u1ed1i n\u0103m 2021.<\/p>\n

M\u1ed9t trong nh\u1eefng th\u00e1ch th\u1ee9c l\u1edbn cho vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i n\u00e0y l\u00e0 chi ph\u00ed kh\u00e1 l\u1edbn, kh\u00f4ng ch\u1ec9 l\u00e0 d\u00f9 chi ph\u00ed \u0111\u1ea7u t\u01b0 kh\u00e1 t\u1ed1n k\u00e9m cho vi\u1ec7c n\u00e2ng c\u1ea5p h\u1ea1 t\u1ea7ng cho ph\u00f9 h\u1ee3p v\u1edbi chu\u1ea9n m\u1edbi, m\u00e0 c\u00f2n do gi\u00e1 ph\u00f4i th\u1ebb chip cao g\u1ea5p 5-7 l\u1ea7n so v\u1edbi th\u1ebb t\u1eeb, l\u00e0m cho c\u1ea3 kh\u00e1ch h\u00e0ng l\u1eabn ng\u00e2n h\u00e0ng \u0111\u1ec1u ng\u1ea1i ng\u1ea7n khi ph\u1ea3i chi ti\u1ec1n \u0111\u1ec3 chuy\u1ec3n \u0111\u1ed1i. D\u00f9 v\u1eady, nhi\u1ec1u ng\u00e2n h\u00e0ng cho bi\u1ebft, s\u1ebd nghi\u00eam t\u00fac th\u1ef1c hi\u1ec7n y\u00eau c\u1ea7u c\u1ee7a NHNN v\u1ec1 l\u1ed9 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i th\u1ebb.<\/p>\n

 <\/p>\n\n\n\n
Ng\u00e2n h\u00e0ng Ti\u00ean Phong (TPBank) l\u00e0 ng\u00e2n h\u00e0ng ti\u00ean phong tri\u1ec3n khai th\u1eed nghi\u1ec7m t\u1eeb 10\/2018 v\u00e0 \u0111\u00e3 ph\u00e1t h\u00e0nh ch\u00ednh th\u1ee9c cho t\u1ea5t c\u1ea3 kh\u00e1ch h\u00e0ng th\u1ebb ATM c\u00f4ng ngh\u1ec7 chip EMV t\u1eeb 1\/6\/2019, v\u1edbi t\u00ean g\u1ecdi Th\u1ebb ATM Smart 24\/7. Kh\u00f4ng ch\u1ec9 v\u1eady, Ng\u00e2n h\u00e0ng n\u00e0y c\u0169ng \u0111\u00e3 ho\u00e0n t\u1ea5t vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i, n\u00e2ng c\u1ea5p \u0111\u1ec3 to\u00e0n b\u1ed9 c\u00e1c m\u00e1y ATM, POS, LiveBank \u0111\u1ec1u ch\u1ea5p nh\u1eadn th\u1ebb chip n\u1ed9i \u0111\u1ecba.<\/p>\n

D\u1ef1 ki\u1ebfn \u0111\u1ebfn cu\u1ed1i n\u0103m 2019 s\u1ebd c\u00f3 kho\u1ea3ng 35% – 40% s\u1ed1 th\u1ebb n\u1ed9i \u0111\u1ecba c\u1ee7a TPBank d\u00f9ng th\u1ebb chu\u1ea9n chip, v\u00e0 ch\u00fang t\u00f4i ph\u1ea5n \u0111\u1ea5u ho\u00e0n t\u1ea5t vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i sang th\u1ebb chip cho t\u1ea5t c\u1ea3 kh\u00e1ch h\u00e0ng trong n\u0103m 2020<\/p>\n

S\u1edf h\u1eefu th\u1ebb ATM Smart 24\/7, kh\u00e1ch h\u00e0ng kh\u00f4ng ch\u1ec9 \u0111\u01b0\u1ee3c tr\u1ea3i nghi\u1ec7m th\u1ebb chip c\u00f4ng ngh\u1ec7 m\u1edbi, an to\u00e0n h\u01a1n cho c\u00e1c giao d\u1ecbch t\u1ea1i c\u00e1c ATM, POS truy\u1ec1n th\u1ed1ng, m\u00e0 c\u00f2n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng t\u1ea1i LiveBank, m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng t\u1ef1 \u0111\u1ed9ng c\u1ee7a TPBank \u0111\u1ec3 tra c\u1ee9u t\u00e0i kho\u1ea3n, r\u00fat ti\u1ec1n, n\u1ed9p ti\u1ec1n, th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch chuy\u1ec3n ti\u1ec1n, g\u1eedi, r\u00fat ti\u1ebft ki\u1ec7m online\u2026 v\u00e0o b\u1ea5t c\u1ee9 th\u1eddi gian n\u00e0o. \u0110\u1eb7c bi\u1ec7t, m\u1ecdi giao d\u1ecbch r\u00fat ti\u1ec1n b\u1eb1ng th\u1ebb n\u1ed9i \u0111\u1ecba TPBank t\u1ea1i ATM c\u1ee7a h\u1ea7u h\u1ebft ng\u00e2n h\u00e0ng, c\u0169ng nh\u01b0 c\u00e1c giao d\u1ecbch n\u1ed9p, r\u00fat ti\u1ec1n t\u1ea1i TPBank LiveBank tr\u00ean l\u00e3nh th\u1ed5 Vi\u1ec7t Nam \u0111\u1ec1u \u0111\u01b0\u1ee3c mi\u1ec5n ph\u00ed.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

 <\/p>\n

Ngu\u1ed3n: Hi\u1ec7p H\u1ed9i Ng\u00e2n H\u00e0ng Vi\u1ec7t Nam<\/p>\n

 <\/p>\n

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

T\u0103ng c\u01b0\u1eddng an to\u00e0n, b\u1ea3o m\u1eadt th\u00f4ng tin cao, h\u1ea1n ch\u1ebf t\u1ed1i \u0111a r\u1ee7i ro v\u1ec1 gian l\u1eadn, l\u1ea5y c\u1eafp th\u00f4ng tin th\u1ebb (skimming)\u2026 l\u00e0 nh\u1eefng \u01b0u \u0111i\u1ec3m v\u01b0\u1ee3t tr\u1ed9i m\u00e0 th\u1ebb c\u00f4ng ngh\u1ec7 chip mang l\u1ea1i. Th\u1eddi gian g\u1ea7n \u0111\u00e2y, c\u00e1c ng\u00e2n h\u00e0ng \u0111ang c\u1ea5p t\u1eadp tri\u1ec3n khai \u00e1p d\u1ee5ng th\u1ebb ATM theo chu\u1ea9n<\/p>","protected":false},"author":3,"featured_media":560,"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\/559"}],"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=559"}],"version-history":[{"count":2,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/559\/revisions"}],"predecessor-version":[{"id":563,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/559\/revisions\/563"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media\/560"}],"wp:attachment":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media?parent=559"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/categories?post=559"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/tags?post=559"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}