N\u00e2ng c\u1ea5p h\u1ec7 th\u1ed1ng ph\u00e1t h\u00e0nh th\u1ebb s\u1ebd ph\u1ea3i \u0111i c\u00f9ng v\u1edbi vi\u1ec7c n\u00e2ng c\u1ea5p h\u1ec7 th\u1ed1ng chuy\u1ec3n m\u1ea1ch. Ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u1ea7u\u00a0t\u01b0 th\u00eam, song h\u1ecd ph\u1ea3i ch\u1ea5p nh\u1eadn v\u00ec \u0111\u00e2y l\u00e0 nhu c\u1ea7u t\u1ea5t y\u1ebfu, ph\u00f9 h\u1ee3p v\u1edbi xu th\u1ebf chung c\u1ee7a c\u00e1c qu\u1ed1c gia tr\u00ean th\u1ebf gi\u1edbi, g\u00f3p ph\u1ea7n \u0111\u1ea3m b\u1ea3o an ninh, an to\u00e0n, b\u1ea3o m\u1eadt th\u00f4ng tin, ng\u0103n ch\u1eb7n c\u00e1c h\u00e0nh vi gian l\u1eadn trong ho\u1ea1t \u0111\u1ed9ng ph\u00e1t h\u00e0nh v\u00e0 thanh to\u00e1n th\u1ebb…<\/p>\n
N\u0103m 2018, s\u1ed1 l\u01b0\u1ee3ng giao d\u1ecbch thanh to\u00e1n th\u1ef1c hi\u1ec7n qua th\u1ebb ng\u00e2n h\u00e0ng \u0111\u1ea1t g\u1ea7n 230 tri\u1ec7u giao d\u1ecbch (t\u0103ng 19% so v\u1edbi n\u0103m 2017) v\u1edbi t\u1ed5ng s\u1ed1 ti\u1ec1n giao d\u1ecbch l\u00e0 592.000 t\u1ef7 \u0111\u1ed3ng. Thanh to\u00e1n qua th\u1ebb ng\u00e2n h\u00e0ng t\u0103ng mang l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch cho x\u00e3 h\u1ed9i, nh\u01b0ng \u0111\u1ed1i v\u1edbi c\u00e1c \u0111\u01a1n v\u1ecb cung c\u1ea5p d\u1ecbch v\u1ee5 thanh to\u00e1n th\u00ec ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nhi\u1ec1u r\u1ee7i ro ti\u1ec1m \u1ea9n h\u01a1n, nh\u1ea5t l\u00e0 khi th\u1ebb ghi n\u1ee3 v\u00e0 th\u1ebb t\u00edn d\u1ee5ng \u1edf Vi\u1ec7t Nam h\u1ea7u h\u1ebft v\u1eabn l\u00e0 th\u1ebb t\u1eeb.<\/p>\n
Theo chuy\u00ean gia, \u0111\u00e2y l\u00e0 c\u00f4ng ngh\u1ec7 c\u1ee7a nh\u1eefng n\u0103m 70, v\u00e0 t\u1ed9i ph\u1ea1m ng\u00e0y nay c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 cao \u0111\u1ec3 \u0111\u01b0a ra nhi\u1ec1u c\u00e1ch copy d\u1eef li\u1ec7u trong \u0111\u00f3. M\u1ed9t s\u1ed1 r\u1ee7i ro c\u00f3 th\u1ec3 \u0111\u1ebfn t\u1eeb lo\u1ea1i th\u1ebb n\u00e0y nh\u01b0: l\u00e0m gi\u1ea3 th\u1ebb, gian l\u1eadn th\u1ebb, s\u1eed d\u1ee5ng chip \u0111i\u1ec7n t\u1eed ho\u1eb7c thi\u1ebft b\u1ecb \u0111\u1ecdc tr\u1ef1c ti\u1ebfp l\u1ea5y tr\u1ed9m th\u00f4ng tin th\u1ebb \u0111\u1ec3 thanh to\u00e1n, r\u00fat\/chuy\u1ec3n ti\u1ec1n… Vi\u1ec7c l\u00e0m gi\u1ea3 th\u1ebb \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00f4ng qua vi\u1ec7c \u0111\u00e1nh c\u1eafp c\u00e1c th\u00f4ng tin c\u00e1 nh\u00e2n v\u00e0 th\u00f4ng tin th\u1ebb b\u1eb1ng c\u00e1ch skimming (d\u00f9ng m\u00e1y c\u00e0 th\u1ebb c\u00f3 d\u00f9ng h\u1ed9p qu\u1eb9t th\u1ebb c\u00f3 ch\u1ee9c n\u0103ng m\u00e3 ho\u00e1 \u0111\u1ec3 ghi tr\u1ed9m th\u00f4ng tin th\u1ebb), tr\u1ed9m c\u1eafp th\u00f4ng tin tr\u00ean ho\u00e1 \u0111\u01a1n c\u00e0 th\u1ebb, skimming tr\u00ean ATM, s\u1eed d\u1ee5ng ph\u1ea7n m\u1ec1m gi\u00e1n \u0111i\u1ec7p \u0111\u1ec3 tr\u1ed9m th\u00f4ng tin… Vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i t\u1eeb th\u1ebb t\u1eeb sang th\u1ebb chip \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n b\u1ea3o m\u1eadt ng\u00e0y c\u00e0ng tr\u1edf n\u00ean c\u1ea5p b\u00e1ch.<\/p>\n
\u0110\u1ec3 ho\u00e0n thi\u1ec7n khung kh\u1ed5 ph\u00e1p l\u00fd \u00e1p d\u1ee5ng Ti\u00eau chu\u1ea9n c\u01a1 s\u1edf (TCCS) v\u1ec1 th\u1ebb chip n\u1ed9i \u0111\u1ecba l\u00e0m c\u01a1 s\u1edf cho c\u00e1c TCTD th\u1ef1c hi\u1ec7n, Th\u1ed1ng \u0111\u1ed1c NHNN ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 41\/2018\/TT-NHNN s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Th\u00f4ng t\u01b0 s\u1ed1 19\/2016\/TT-NHNN quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng th\u1ebb ng\u00e2n h\u00e0ng, trong \u0111\u00f3 c\u00f3 y\u00eau c\u1ea7u: T\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh th\u1ebb (PHT), t\u1ed5 ch\u1ee9c thanh to\u00e1n th\u1ebb (TTT) ph\u1ea3i tu\u00e2n th\u1ee7 TCCS v\u1ec1 th\u1ebb chip n\u1ed9i \u0111\u1ecba khi ph\u00e1t h\u00e0nh th\u1ebb khi c\u00f3 BIN (m\u00e3 \u0111\u1ecbnh d\u1ea1ng ng\u00e2n h\u00e0ng) do NHNN c\u1ea5p v\u00e0 \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi ATM, thi\u1ebft b\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb t\u1ea1i \u0111i\u1ec3m b\u00e1n c\u1ee7a t\u1ed5 ch\u1ee9c TTT; Quy \u0111\u1ecbnh l\u1ed9 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i t\u1eeb th\u1ebb t\u1eeb sang th\u1ebb chip \u0111\u1ed1i v\u1edbi PHT v\u00e0 TTT.<\/p>\n
Theo chia s\u1ebb c\u1ee7a \u00f4ng Nghi\u00eam Thanh S\u01a1n – Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Thanh to\u00e1n (NHNN), Th\u00f4ng t\u01b0 41 \u0111\u00e3 \u0111\u1ec1 ra l\u1ed9 tr\u00ecnh c\u1ee5 th\u1ec3 trong 3 n\u0103m (2019, 2020, 2021) v\u1edbi vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i sang th\u1ebb chip n\u1ed9i \u0111\u1ecba c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. C\u1ee5 th\u1ec3, \u0111\u1ebfn 31\/12\/2019 \u00edt nh\u1ea5t 30% s\u1ed1 th\u1ebb n\u1ed9i \u0111\u1ecba \u0111\u01b0\u1ee3c c\u00e1c t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n ph\u00e1t h\u00e0nh ph\u1ea3i chuy\u1ec3n \u0111\u1ed5i sang th\u1ebb chip; \u0111\u1ebfn 31\/12\/2020 \u00edt nh\u1ea5t 60% th\u1ebb n\u1ed9i \u0111\u1ecba ph\u00e1t h\u00e0nh ph\u1ea3i chuy\u1ec3n \u0111\u1ed5i sang th\u1ebb chip; v\u00e0 31\/12\/2021, 100% th\u1ebb chip \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh b\u1edfi c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 c\u00e1c t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n ph\u1ea3i \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i sang th\u1ebb chip.<\/p>\n
G\u1ea7n \u0111\u00e2y nh\u1ea5t, trung tu\u1ea7n th\u00e1ng 3\/2019, NHNN \u0111\u00e3 c\u00f3 C\u00f4ng v\u0103n s\u1ed1 1524\/NHNN-TT \u0111\u1ec1 ngh\u1ecb c\u00e1c t\u1ed5 ch\u1ee9c PHT, t\u1ed5 ch\u1ee9c TTT, chuy\u1ec3n m\u1ea1ch th\u1ebb, b\u00f9 tr\u1eeb \u0111i\u1ec7n t\u1eed giao d\u1ecbch th\u1ebb ch\u1ee7 \u0111\u1ed9ng, nghi\u00eam t\u00fac t\u1ed5 ch\u1ee9c tri\u1ec3n khai \u00e1p d\u1ee5ng TCCS v\u1ec1 th\u1ebb chip n\u1ed9i \u0111\u1ecba theo l\u1ed9 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 41; y\u00eau c\u1ea7u c\u00e1c \u0111\u01a1n v\u1ecb n\u00eau tr\u00ean ph\u1ea3i \u0111\u1ea3m b\u1ea3o ho\u1ea1t \u0111\u1ed9ng th\u1ebb di\u1ec5n ra li\u00ean t\u1ee5c, \u1ed5n \u0111\u1ecbnh v\u00e0 an to\u00e0n, \u0111\u1ed3ng th\u1eddi ph\u1ea3i \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p c\u1ee7a ch\u1ee7 th\u1ebb trong qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i. NHNN c\u0169ng khuy\u1ebfn kh\u00edch c\u00e1c\u00a0 t\u1ed5 ch\u1ee9c PHT, TTT ho\u00e0n th\u00e0nh tri\u1ec3n khai vi\u1ec7c \u00e1p d\u1ee5ng TCCS v\u1ec1 th\u1ebb chip n\u1ed9i \u0111\u1ecba tr\u01b0\u1edbc th\u1eddi h\u1ea1n so v\u1edbi quy \u0111\u1ecbnh.<\/p>\n
T\u1edbi th\u1eddi \u0111i\u1ec3m n\u00e0y, m\u1edbi ch\u1ec9 c\u00f3 TPBank c\u00f4ng b\u1ed1 ho\u00e0n th\u00e0nh chuy\u1ec3n \u0111\u1ed5i to\u00e0n b\u1ed9 h\u1ec7 th\u1ed1ng th\u1ebb ATM, c\u1ed5ng thanh to\u00e1n POS sang th\u1ebb chip tr\u01b0\u1edbc th\u1eddi h\u1ea1n so v\u1edbi y\u00eau c\u1ea7u c\u1ee7a NHNN. TPBank th\u00f4ng tin s\u1ebd ch\u00ednh th\u1ee9c ph\u00e1t h\u00e0nh cho to\u00e0n b\u1ed9 kh\u00e1ch h\u00e0ng m\u1edbi th\u1ebb chip ATM k\u1ec3 t\u1eeb ng\u00e0y 15\/5\/2019. \u0110\u00e2y l\u00e0 nh\u00e0 b\u0103ng \u0111\u1ea7u ti\u00ean ch\u00ednh th\u1ee9c ho\u00e0n t\u1ea5t chuy\u1ec3n \u0111\u1ed5i h\u1ec7 th\u1ed1ng, cho ph\u00e9p ph\u00e1t h\u00e0nh v\u00e0 ch\u1ea5p nh\u1eadn th\u1ebb chip n\u1ed9i \u0111\u1ecba t\u1ea1i Vi\u1ec7t Nam. Trong n\u0103m 2019, nh\u00e0 b\u0103ng n\u00e0y c\u0169ng d\u1ef1 ki\u1ebfn \u0111\u00e1p \u1ee9ng tr\u00ean 30% nhu c\u1ea7u chuy\u1ec3n \u0111\u1ed5i c\u1ee7a kh\u00e1ch h\u00e0ng \u0111ang s\u1eed d\u1ee5ng c\u00e1c lo\u1ea1i th\u1ebb t\u1eeb c\u0169 sang th\u1ebb chip ATM.<\/p>\n
Tuy ch\u01b0a ph\u00e1t h\u00e0nh th\u1ebb chip n\u1ed9i \u0111\u1ecba, song \u1edf nhi\u1ec1u nh\u00e0 b\u0103ng kh\u00e1c, vi\u1ec7c ra m\u1eaft th\u1ebb chip thanh to\u00e1n qu\u1ed1c t\u1ebf c\u0169ng ng\u00e0y c\u00e0ng c\u00f3 xu h\u01b0\u1edbng gia t\u0103ng. Th\u00e1ng 3\/2019, Kienlongbank ch\u00ednh th\u1ee9c ra m\u1eaft th\u1ebb ghi n\u1ee3 qu\u1ed1c t\u1ebf Kienlongbank JCB c\u00f4ng ngh\u1ec7 chip theo ti\u00eau chu\u1ea9n qu\u1ed1c t\u1ebf EMV. \u0110\u1ea7u th\u00e1ng 1\/2019, Agribank ph\u00e1t h\u00e0nh th\u1ebb chip kh\u00f4ng ti\u1ebfp x\u00fac th\u01b0\u01a1ng hi\u1ec7u VISA-VISA PayWave.<\/p>\n
Tr\u01b0\u1edbc \u0111\u00f3, th\u00e1ng 12\/2018 ABBank ra m\u1eaft s\u1ea3n ph\u1ea9m th\u1ebb ABBank Visa Contactless k\u1ebft h\u1ee3p gi\u1eefa d\u00f2ng th\u1ebb qu\u1ed1c t\u1ebf (ABBank Visa) v\u00e0 c\u00f4ng ngh\u1ec7 kh\u00f4ng ti\u1ebfp x\u00fac (Contactless); Vietcombank c\u0169ng ra m\u1eaft s\u1ea3n ph\u1ea9m th\u1ebb \u0111\u1ea7u ti\u00ean \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac theo chu\u1ea9n qu\u1ed1c t\u1ebf (EMV Contactless); BIDV v\u1edbi th\u1ebb t\u00edn d\u1ee5ng qu\u1ed1c t\u1ebf BIDV Visa Infinite (c\u00f4ng ngh\u1ec7 th\u1ebb chip)…<\/p>\n
Chuy\u00ean gia chia s\u1ebb, vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i t\u1eeb th\u1ebb t\u1eeb sang th\u1ebb chip, c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i ch\u1ea5p nh\u1eadn m\u1ed9t kho\u1ea3n chi ph\u00ed kh\u00f4ng nh\u1ecf, c\u00f3 th\u1ec3 cao g\u1ea5p 15 – 20 l\u1ea7n so v\u1edbi ph\u00f4i th\u1ebb t\u1eeb; ph\u1ea3i n\u00e2ng c\u1ea5p thi\u1ebft b\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb, h\u1ec7 th\u1ed1ng chuy\u1ec3n m\u1ea1ch n\u1ed9i b\u1ed9 t\u1eebng nh\u00e0 b\u0103ng \u0111\u1ec3 c\u00f3 s\u1ef1 t\u01b0\u01a1ng th\u00edch.<\/p>\n
Nh\u01b0 v\u1eady, n\u00e2ng c\u1ea5p h\u1ec7 th\u1ed1ng ph\u00e1t h\u00e0nh th\u1ebb s\u1ebd ph\u1ea3i \u0111i c\u00f9ng v\u1edbi vi\u1ec7c n\u00e2ng c\u1ea5p h\u1ec7 th\u1ed1ng chuy\u1ec3n m\u1ea1ch. Ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u1ea7u\u00a0t\u01b0 th\u00eam, song h\u1ecd ph\u1ea3i ch\u1ea5p nh\u1eadn v\u00ec \u0111\u00e2y l\u00e0 nhu c\u1ea7u t\u1ea5t y\u1ebfu, ph\u00f9 h\u1ee3p v\u1edbi xu th\u1ebf chung c\u1ee7a c\u00e1c qu\u1ed1c gia tr\u00ean th\u1ebf gi\u1edbi, g\u00f3p ph\u1ea7n \u0111\u1ea3m b\u1ea3o an ninh, an to\u00e0n, b\u1ea3o m\u1eadt th\u00f4ng tin, ng\u0103n ch\u1eb7n c\u00e1c h\u00e0nh vi gian l\u1eadn trong ho\u1ea1t \u0111\u1ed9ng ph\u00e1t h\u00e0nh v\u00e0 thanh to\u00e1n th\u1ebb…<\/p>\n
Theo chuy\u00ean gia, \u0111\u00e2y l\u00e0 c\u00f4ng ngh\u1ec7 c\u1ee7a nh\u1eefng n\u0103m 70, v\u00e0 t\u1ed9i ph\u1ea1m ng\u00e0y nay c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 cao \u0111\u1ec3 \u0111\u01b0a ra nhi\u1ec1u c\u00e1ch copy d\u1eef li\u1ec7u trong \u0111\u00f3. M\u1ed9t s\u1ed1 r\u1ee7i ro c\u00f3 th\u1ec3 \u0111\u1ebfn t\u1eeb lo\u1ea1i th\u1ebb n\u00e0y nh\u01b0: l\u00e0m gi\u1ea3 th\u1ebb, gian l\u1eadn th\u1ebb, s\u1eed d\u1ee5ng chip \u0111i\u1ec7n t\u1eed ho\u1eb7c thi\u1ebft b\u1ecb \u0111\u1ecdc tr\u1ef1c ti\u1ebfp l\u1ea5y tr\u1ed9m th\u00f4ng tin th\u1ebb \u0111\u1ec3 thanh to\u00e1n, r\u00fat\/chuy\u1ec3n ti\u1ec1n… Vi\u1ec7c l\u00e0m gi\u1ea3 th\u1ebb \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00f4ng qua vi\u1ec7c \u0111\u00e1nh c\u1eafp c\u00e1c th\u00f4ng tin c\u00e1 nh\u00e2n v\u00e0 th\u00f4ng tin th\u1ebb b\u1eb1ng c\u00e1ch skimming (d\u00f9ng m\u00e1y c\u00e0 th\u1ebb c\u00f3 d\u00f9ng h\u1ed9p qu\u1eb9t th\u1ebb c\u00f3 ch\u1ee9c n\u0103ng m\u00e3 ho\u00e1 \u0111\u1ec3 ghi tr\u1ed9m th\u00f4ng tin th\u1ebb), tr\u1ed9m c\u1eafp th\u00f4ng tin tr\u00ean ho\u00e1 \u0111\u01a1n c\u00e0 th\u1ebb, skimming tr\u00ean ATM, s\u1eed d\u1ee5ng ph\u1ea7n m\u1ec1m gi\u00e1n \u0111i\u1ec7p \u0111\u1ec3 tr\u1ed9m th\u00f4ng tin… Vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i t\u1eeb th\u1ebb t\u1eeb sang th\u1ebb chip \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n b\u1ea3o m\u1eadt ng\u00e0y c\u00e0ng tr\u1edf n\u00ean c\u1ea5p b\u00e1ch.<\/p>\n
\u0110\u1ec3 ho\u00e0n thi\u1ec7n khung kh\u1ed5 ph\u00e1p l\u00fd \u00e1p d\u1ee5ng Ti\u00eau chu\u1ea9n c\u01a1 s\u1edf (TCCS) v\u1ec1 th\u1ebb chip n\u1ed9i \u0111\u1ecba l\u00e0m c\u01a1 s\u1edf cho c\u00e1c TCTD th\u1ef1c hi\u1ec7n, Th\u1ed1ng \u0111\u1ed1c NHNN ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 41\/2018\/TT-NHNN s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Th\u00f4ng t\u01b0 s\u1ed1 19\/2016\/TT-NHNN quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng th\u1ebb ng\u00e2n h\u00e0ng, trong \u0111\u00f3 c\u00f3 y\u00eau c\u1ea7u: T\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh th\u1ebb (PHT), t\u1ed5 ch\u1ee9c thanh to\u00e1n th\u1ebb (TTT) ph\u1ea3i tu\u00e2n th\u1ee7 TCCS v\u1ec1 th\u1ebb chip n\u1ed9i \u0111\u1ecba khi ph\u00e1t h\u00e0nh th\u1ebb khi c\u00f3 BIN (m\u00e3 \u0111\u1ecbnh d\u1ea1ng ng\u00e2n h\u00e0ng) do NHNN c\u1ea5p v\u00e0 \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi ATM, thi\u1ebft b\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb t\u1ea1i \u0111i\u1ec3m b\u00e1n c\u1ee7a t\u1ed5 ch\u1ee9c TTT; Quy \u0111\u1ecbnh l\u1ed9 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i t\u1eeb th\u1ebb t\u1eeb sang th\u1ebb chip \u0111\u1ed1i v\u1edbi PHT v\u00e0 TTT.<\/p>\n
Theo chia s\u1ebb c\u1ee7a \u00f4ng Nghi\u00eam Thanh S\u01a1n – Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Thanh to\u00e1n (NHNN), Th\u00f4ng t\u01b0 41 \u0111\u00e3 \u0111\u1ec1 ra l\u1ed9 tr\u00ecnh c\u1ee5 th\u1ec3 trong 3 n\u0103m (2019, 2020, 2021) v\u1edbi vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i sang th\u1ebb chip n\u1ed9i \u0111\u1ecba c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. C\u1ee5 th\u1ec3, \u0111\u1ebfn 31\/12\/2019 \u00edt nh\u1ea5t 30% s\u1ed1 th\u1ebb n\u1ed9i \u0111\u1ecba \u0111\u01b0\u1ee3c c\u00e1c t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n ph\u00e1t h\u00e0nh ph\u1ea3i chuy\u1ec3n \u0111\u1ed5i sang th\u1ebb chip; \u0111\u1ebfn 31\/12\/2020 \u00edt nh\u1ea5t 60% th\u1ebb n\u1ed9i \u0111\u1ecba ph\u00e1t h\u00e0nh ph\u1ea3i chuy\u1ec3n \u0111\u1ed5i sang th\u1ebb chip; v\u00e0 31\/12\/2021, 100% th\u1ebb chip \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh b\u1edfi c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 c\u00e1c t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n ph\u1ea3i \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i sang th\u1ebb chip.<\/p>\n
G\u1ea7n \u0111\u00e2y nh\u1ea5t, trung tu\u1ea7n th\u00e1ng 3\/2019, NHNN \u0111\u00e3 c\u00f3 C\u00f4ng v\u0103n s\u1ed1 1524\/NHNN-TT \u0111\u1ec1 ngh\u1ecb c\u00e1c t\u1ed5 ch\u1ee9c PHT, t\u1ed5 ch\u1ee9c TTT, chuy\u1ec3n m\u1ea1ch th\u1ebb, b\u00f9 tr\u1eeb \u0111i\u1ec7n t\u1eed giao d\u1ecbch th\u1ebb ch\u1ee7 \u0111\u1ed9ng, nghi\u00eam t\u00fac t\u1ed5 ch\u1ee9c tri\u1ec3n khai \u00e1p d\u1ee5ng TCCS v\u1ec1 th\u1ebb chip n\u1ed9i \u0111\u1ecba theo l\u1ed9 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 41; y\u00eau c\u1ea7u c\u00e1c \u0111\u01a1n v\u1ecb n\u00eau tr\u00ean ph\u1ea3i \u0111\u1ea3m b\u1ea3o ho\u1ea1t \u0111\u1ed9ng th\u1ebb di\u1ec5n ra li\u00ean t\u1ee5c, \u1ed5n \u0111\u1ecbnh v\u00e0 an to\u00e0n, \u0111\u1ed3ng th\u1eddi ph\u1ea3i \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p c\u1ee7a ch\u1ee7 th\u1ebb trong qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i. NHNN c\u0169ng khuy\u1ebfn kh\u00edch c\u00e1c\u00a0 t\u1ed5 ch\u1ee9c PHT, TTT ho\u00e0n th\u00e0nh tri\u1ec3n khai vi\u1ec7c \u00e1p d\u1ee5ng TCCS v\u1ec1 th\u1ebb chip n\u1ed9i \u0111\u1ecba tr\u01b0\u1edbc th\u1eddi h\u1ea1n so v\u1edbi quy \u0111\u1ecbnh.<\/p>\n
T\u1edbi th\u1eddi \u0111i\u1ec3m n\u00e0y, m\u1edbi ch\u1ec9 c\u00f3 TPBank c\u00f4ng b\u1ed1 ho\u00e0n th\u00e0nh chuy\u1ec3n \u0111\u1ed5i to\u00e0n b\u1ed9 h\u1ec7 th\u1ed1ng th\u1ebb ATM, c\u1ed5ng thanh to\u00e1n POS sang th\u1ebb chip tr\u01b0\u1edbc th\u1eddi h\u1ea1n so v\u1edbi y\u00eau c\u1ea7u c\u1ee7a NHNN. TPBank th\u00f4ng tin s\u1ebd ch\u00ednh th\u1ee9c ph\u00e1t h\u00e0nh cho to\u00e0n b\u1ed9 kh\u00e1ch h\u00e0ng m\u1edbi th\u1ebb chip ATM k\u1ec3 t\u1eeb ng\u00e0y 15\/5\/2019. \u0110\u00e2y l\u00e0 nh\u00e0 b\u0103ng \u0111\u1ea7u ti\u00ean ch\u00ednh th\u1ee9c ho\u00e0n t\u1ea5t chuy\u1ec3n \u0111\u1ed5i h\u1ec7 th\u1ed1ng, cho ph\u00e9p ph\u00e1t h\u00e0nh v\u00e0 ch\u1ea5p nh\u1eadn th\u1ebb chip n\u1ed9i \u0111\u1ecba t\u1ea1i Vi\u1ec7t Nam. Trong n\u0103m 2019, nh\u00e0 b\u0103ng n\u00e0y c\u0169ng d\u1ef1 ki\u1ebfn \u0111\u00e1p \u1ee9ng tr\u00ean 30% nhu c\u1ea7u chuy\u1ec3n \u0111\u1ed5i c\u1ee7a kh\u00e1ch h\u00e0ng \u0111ang s\u1eed d\u1ee5ng c\u00e1c lo\u1ea1i th\u1ebb t\u1eeb c\u0169 sang th\u1ebb chip ATM.<\/p>\n
Tuy ch\u01b0a ph\u00e1t h\u00e0nh th\u1ebb chip n\u1ed9i \u0111\u1ecba, song \u1edf nhi\u1ec1u nh\u00e0 b\u0103ng kh\u00e1c, vi\u1ec7c ra m\u1eaft th\u1ebb chip thanh to\u00e1n qu\u1ed1c t\u1ebf c\u0169ng ng\u00e0y c\u00e0ng c\u00f3 xu h\u01b0\u1edbng gia t\u0103ng. Th\u00e1ng 3\/2019, Kienlongbank ch\u00ednh th\u1ee9c ra m\u1eaft th\u1ebb ghi n\u1ee3 qu\u1ed1c t\u1ebf Kienlongbank JCB c\u00f4ng ngh\u1ec7 chip theo ti\u00eau chu\u1ea9n qu\u1ed1c t\u1ebf EMV. \u0110\u1ea7u th\u00e1ng 1\/2019, Agribank ph\u00e1t h\u00e0nh th\u1ebb chip kh\u00f4ng ti\u1ebfp x\u00fac th\u01b0\u01a1ng hi\u1ec7u VISA-VISA PayWave.<\/p>\n
Tr\u01b0\u1edbc \u0111\u00f3, th\u00e1ng 12\/2018 ABBank ra m\u1eaft s\u1ea3n ph\u1ea9m th\u1ebb ABBank Visa Contactless k\u1ebft h\u1ee3p gi\u1eefa d\u00f2ng th\u1ebb qu\u1ed1c t\u1ebf (ABBank Visa) v\u00e0 c\u00f4ng ngh\u1ec7 kh\u00f4ng ti\u1ebfp x\u00fac (Contactless); Vietcombank c\u0169ng ra m\u1eaft s\u1ea3n ph\u1ea9m th\u1ebb \u0111\u1ea7u ti\u00ean \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac theo chu\u1ea9n qu\u1ed1c t\u1ebf (EMV Contactless); BIDV v\u1edbi th\u1ebb t\u00edn d\u1ee5ng qu\u1ed1c t\u1ebf BIDV Visa Infinite (c\u00f4ng ngh\u1ec7 th\u1ebb chip)…<\/p>\n
Chuy\u00ean gia chia s\u1ebb, vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i t\u1eeb th\u1ebb t\u1eeb sang th\u1ebb chip, c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i ch\u1ea5p nh\u1eadn m\u1ed9t kho\u1ea3n chi ph\u00ed kh\u00f4ng nh\u1ecf, c\u00f3 th\u1ec3 cao g\u1ea5p 15 – 20 l\u1ea7n so v\u1edbi ph\u00f4i th\u1ebb t\u1eeb; ph\u1ea3i n\u00e2ng c\u1ea5p thi\u1ebft b\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb, h\u1ec7 th\u1ed1ng chuy\u1ec3n m\u1ea1ch n\u1ed9i b\u1ed9 t\u1eebng nh\u00e0 b\u0103ng \u0111\u1ec3 c\u00f3 s\u1ef1 t\u01b0\u01a1ng th\u00edch.<\/p>\n
Nh\u01b0 v\u1eady, n\u00e2ng c\u1ea5p h\u1ec7 th\u1ed1ng ph\u00e1t h\u00e0nh th\u1ebb s\u1ebd ph\u1ea3i \u0111i c\u00f9ng v\u1edbi vi\u1ec7c n\u00e2ng c\u1ea5p h\u1ec7 th\u1ed1ng chuy\u1ec3n m\u1ea1ch. Ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u1ea7u\u00a0t\u01b0 th\u00eam, song h\u1ecd ph\u1ea3i ch\u1ea5p nh\u1eadn v\u00ec \u0111\u00e2y l\u00e0 nhu c\u1ea7u t\u1ea5t y\u1ebfu, ph\u00f9 h\u1ee3p v\u1edbi xu th\u1ebf chung c\u1ee7a c\u00e1c qu\u1ed1c gia tr\u00ean th\u1ebf gi\u1edbi, g\u00f3p ph\u1ea7n \u0111\u1ea3m b\u1ea3o an ninh, an to\u00e0n, b\u1ea3o m\u1eadt th\u00f4ng tin, ng\u0103n ch\u1eb7n c\u00e1c h\u00e0nh vi gian l\u1eadn trong ho\u1ea1t \u0111\u1ed9ng ph\u00e1t h\u00e0nh v\u00e0 thanh to\u00e1n th\u1ebb…<\/p>\n
( Theo Th\u1eddi B\u00e1o Ng\u00e2n H\u00e0ng)<\/p>\n
<\/p>","protected":false},"excerpt":{"rendered":"
N\u00e2ng c\u1ea5p h\u1ec7 th\u1ed1ng ph\u00e1t h\u00e0nh th\u1ebb s\u1ebd ph\u1ea3i \u0111i c\u00f9ng v\u1edbi vi\u1ec7c n\u00e2ng c\u1ea5p h\u1ec7 th\u1ed1ng chuy\u1ec3n m\u1ea1ch. Ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u1ea7u\u00a0t\u01b0 th\u00eam, song h\u1ecd ph\u1ea3i ch\u1ea5p nh\u1eadn v\u00ec \u0111\u00e2y l\u00e0 nhu c\u1ea7u t\u1ea5t y\u1ebfu, ph\u00f9 h\u1ee3p v\u1edbi xu th\u1ebf chung c\u1ee7a c\u00e1c qu\u1ed1c gia tr\u00ean th\u1ebf gi\u1edbi, g\u00f3p ph\u1ea7n \u0111\u1ea3m b\u1ea3o an ninh,<\/p>","protected":false},"author":4,"featured_media":655,"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\/654"}],"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=654"}],"version-history":[{"count":1,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/654\/revisions"}],"predecessor-version":[{"id":657,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/654\/revisions\/657"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media\/655"}],"wp:attachment":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media?parent=654"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/categories?post=654"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/tags?post=654"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}