{"id":912,"date":"2020-03-03T10:09:26","date_gmt":"2020-03-03T03:09:26","guid":{"rendered":"https:\/\/bmpos.com.vn\/?p=912"},"modified":"2020-03-03T10:09:26","modified_gmt":"2020-03-03T03:09:26","slug":"chuyen-doi-so-phai-di-kem-bao-mat-rui-ro","status":"publish","type":"post","link":"https:\/\/bmpos.com.vn\/en\/chuyen-doi-so-phai-di-kem-bao-mat-rui-ro\/","title":{"rendered":"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ph\u1ea3i \u0111i k\u00e8m b\u1ea3o m\u1eadt r\u1ee7i ro"},"content":{"rendered":"

C\u00e1c ng\u00e2n h\u00e0ng \u0111ang t\u00edch c\u1ef1c chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip, v\u00e0 d\u1ef1 ki\u1ebfn s\u1ebd ho\u00e0n t\u1ea5t vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i trong n\u0103m sau, theo l\u1ed9 tr\u00ecnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/span><\/h2>\n

Theo \u00f4ng Nguy\u1ec5n Tr\u1ecdng \u0110\u01b0\u1eddng, Ph\u00f3 c\u1ee5c tr\u01b0\u1edfng C\u1ee5c An to\u00e0n th\u00f4ng tin (B\u1ed9 Th\u00f4ng tin v\u00e0 Truy\u1ec1n th\u00f4ng), c\u00f9ng v\u1edbi s\u1ef1 b\u00f9ng n\u1ed5 c\u1ee7a c\u00f4ng ngh\u1ec7 4.0, nh\u1eefng l\u1ed7 h\u1ed5ng g\u00e2y m\u1ea5t an to\u00e0n an ninh m\u1ea1ng ng\u00e0y c\u00e0ng gia t\u0103ng v\u1edbi t\u1ed1c \u0111\u1ed9 300%\/n\u0103m.<\/span><\/p>\n

T\u1ea5n c\u00f4ng m\u1ea1ng di\u1ec5n ra t\u1eebng ph\u00fat v\u00e0 c\u00e1c thi\u1ebft b\u1ecb di \u0111\u1ed9ng tr\u1edf th\u00e0nh m\u1ee5c ti\u00eau t\u1ea5n c\u00f4ng ph\u1ed5 bi\u1ebfn. Trong c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng n\u00e0y, ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t trong nh\u1eefng \u0111\u00edch ng\u1eafm th\u01b0\u1eddng xuy\u00ean c\u1ee7a t\u1ed9i ph\u1ea1m m\u1ea1ng.<\/span><\/p>\n

V\u1ea5n \u0111\u1ec1 b\u1ea3o m\u1eadt an to\u00e0n lu\u00f4n l\u00e0 th\u00e1ch th\u1ee9c m\u00e0 ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u1eb7t l\u00ean h\u00e0ng \u0111\u1ea7u trong cu\u1ed9c c\u00e1ch m\u1ea1ng s\u1ed1 h\u00f3a hi\u1ec7n nay.<\/span><\/p>\n

Chuy\u1ec3n \u0111\u1ed5i c\u00f4ng ngh\u1ec7<\/b><\/span><\/p>\n

Theo nh\u1eadn \u0111\u1ecbnh c\u1ee7a nhi\u1ec1u chuy\u00ean gia c\u00f4ng ngh\u1ec7, vi\u1ec7c gia t\u0103ng thanh to\u00e1n qua th\u1ebb mang l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch cho x\u00e3 h\u1ed9i, nh\u01b0ng v\u1edbi \u0111\u01a1n v\u1ecb cung c\u1ea5p d\u1ecbch v\u1ee5 thanh to\u00e1n th\u00ec l\u1ea1i ph\u1ea3i \u0111\u1ed1i m\u1eb7t c\u00f9ng nh\u1eefng r\u1ee7i ro ti\u1ec1m \u1ea9n.<\/span><\/p>\n

Th\u00f4ng th\u01b0\u1eddng, c\u00e1c lo\u1ea1i th\u1ebb t\u00edn d\u1ee5ng qu\u1ed1c t\u1ebf \u0111\u1ec1u c\u00f3 hai c\u00f4ng d\u1ee5ng l\u00e0 thanh to\u00e1n ti\u1ec1n mua h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 v\u00e0 r\u00fat ti\u1ec1n m\u1eb7t. Ch\u1ee7 th\u1ebb l\u00e0 ng\u01b0\u1eddi duy nh\u1ea5t bi\u1ebft m\u00e3 s\u1ed1 \u0111\u1ecbnh danh c\u00e1 nh\u00e2n (PIN). Trong tr\u01b0\u1eddng h\u1ee3p ch\u1ee7 th\u1ebb do v\u00f4 t\u00ecnh \u0111\u1ec3 l\u1ed9 m\u00e3 s\u1ed1 n\u00e0y v\u00e0 \u0111\u1ed3ng th\u1eddi b\u1ecb m\u1ea5t th\u1ebb m\u00e0 ch\u01b0a k\u1ecbp b\u00e1o cho ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh, do m\u1ed9t s\u1ef1 tr\u00f9ng h\u1ee3p n\u00e0o \u0111\u00f3, ng\u01b0\u1eddi l\u1ea5y \u0111\u01b0\u1ee3c th\u1ebb c\u0169ng bi\u1ebft \u0111\u01b0\u1ee3c s\u1ed1 PIN, h\u1ecd c\u00f3 th\u1ec3 d\u00f9ng th\u1ebb \u0111\u1ec3 r\u00fat ti\u1ec1n m\u1eb7t t\u1ea1i m\u00e1y giao d\u1ecbch t\u1ef1 \u0111\u1ed9ng (ATM).<\/span><\/p>\n

Ch\u00ednh v\u00ec th\u1ebf, nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00e3 trang b\u1ecb c\u00f4ng c\u1ee5 b\u1ea3o m\u1eadt cho h\u1ec7 th\u1ed1ng ATM. B\u1edfi coke th\u1ebb lu\u00f4n n\u1eb1m \u1edf ng\u00e2n h\u00e0ng, trong khi h\u1ec7 th\u1ed1ng ATM c\u0169ng ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 k\u1ef9, \u0111\u1ea3m b\u1ea3o an to\u00e0n cho h\u1ec7 th\u1ed1ng th\u1ebb.<\/span><\/p>\n

Hi\u1ec7n nay c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 c\u00f3 s\u1ef1 \u0111\u1ea7u t\u01b0 k\u1ef9 l\u01b0\u1ee3ng v\u00e0 k\u1ebft n\u1ed1i ATM gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 to\u00e0n h\u1ec7 th\u1ed1ng ATM v\u00e0 ph\u1ea3i lu\u00f4n n\u00e2ng c\u1ea5p. M\u1eb7t kh\u00e1c, quy tr\u00ecnh h\u1ea7u h\u1ebft \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1eb7t trong kh\u1ed1i b\u00e1n l\u1ebb, song an to\u00e0n b\u1ea3o m\u1eadt l\u1ea1i \u0111\u01b0\u1ee3c \u0111\u1eb7t trong kh\u1ed1i c\u00f4ng ngh\u1ec7 th\u00f4ng tin n\u00ean c\u0169ng c\u1ea7n quy tr\u00ecnh \u0111\u1ed3ng nh\u1ea5t.<\/span><\/p>\n

Chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip \u0111\u1ec3 gia t\u0103ng b\u1ea3o m\u1eadt<\/b><\/span><\/p>\n

\u0110\u1ec3 ki\u1ec3m so\u00e1t c\u00e1c r\u1ee7i ro trong ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed, g\u1ea7n \u0111\u00e2y nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111ang t\u1eadp trung \u0111\u1ea7u t\u01b0 th\u1ebb chip c\u00f4ng ngh\u1ec7 cao.<\/span><\/p>\n

Theo l\u1ed9 tr\u00ecnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, to\u00e0n h\u1ec7 th\u1ed1ng s\u1ebd ho\u00e0n t\u1ea5t vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i n\u00e0y trong n\u0103m 2021.<\/span><\/p>\n

\u00d4ng D\u01b0 Xu\u00e2n V\u0169, Gi\u00e1m \u0111\u1ed1c Kh\u1ed1i C\u00f4ng ngh\u1ec7 c\u1ee7a ng\u00e2n h\u00e0ng OCB cho bi\u1ebft: L\u1ee3i \u00edch c\u00e1c ng\u00e2n h\u00e0ng thu \u0111\u01b0\u1ee3c khi th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i kh\u00f4ng ch\u1ec9 tr\u01b0\u1edbc m\u1eaft m\u00e0 c\u00f2n v\u1ec1 l\u00e2u d\u00e0i nh\u01b0: H\u1ea1n ch\u1ebf \u0111\u01b0\u1ee3c r\u1ee7i ro c\u00e1c giao d\u1ecbch gi\u1ea3 m\u1ea1o, \u0111\u1ea3m b\u1ea3o an ninh an to\u00e0n thanh to\u00e1n cho kh\u00e1ch h\u00e0ng.<\/span><\/p>\n

\u0110\u1ec3 tr\u00e1nh vi\u1ec7c x\u00e1o tr\u1ed9n, tr\u01b0\u1edbc m\u1eaft OCB s\u1ebd ph\u00e1t h\u00e0nh th\u1ebb chip m\u1edbi k\u1ec3 t\u1eeb cu\u1ed1i n\u0103m 2019, th\u1ebb \u0111\u1ebfn h\u1ea1n, sau \u0111\u00f3 m\u1edbi \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m chuy\u1ec3n \u0111\u1ed5i theo y\u00eau c\u1ea7u cho t\u1ea5t c\u1ea3 kh\u00e1ch h\u00e0ng. Vi\u1ec7c chuy\u1ec3n sang th\u1ebb chip s\u1ebd kh\u1eafc ph\u1ee5c \u0111\u01b0\u1ee3c t\u00ecnh tr\u1ea1ng t\u1ed9i ph\u1ea1m th\u1ebb \u0111\u00e1nh c\u1eafp d\u1eef li\u1ec7u th\u1ebb \u0111\u1ec3 ch\u1ebf t\u1ea1o th\u1ebb gi\u1ea3 nh\u1eb1m r\u00fat tr\u1ed9m ti\u1ec1n.<\/span><\/p>\n

T\u1ea1i OCB kh\u00f4ng ch\u1ec9 l\u00e0 b\u1ea3o m\u1eadt kh\u00e1ch h\u00e0ng c\u00f2n \u0111\u01b0\u1ee3c gia t\u0103ng tr\u1ea3i nghi\u1ec7m c\u00f4ng ngh\u1ec7 s\u1ed1<\/b><\/span><\/p>\n

C\u0169ng theo \u00f4ng V\u0169, t\u1eeb th\u00e1ng 12\/2018, OCB b\u1eaft \u0111\u1ea7u tri\u1ec3n khai th\u1ef1c hi\u1ec7n d\u1ef1 \u00e1n chu\u1ea9n h\u00f3a h\u1ec7 th\u1ed1ng theo ti\u00eau chu\u1ea9n PCI DSS.<\/span><\/p>\n

Sau m\u1ed9t n\u0103m th\u1ef1c hi\u1ec7n, OCB \u0111\u00e3 ho\u00e0n th\u00e0nh d\u1ef1 \u00e1n v\u00e0 ti\u1ebfp nh\u1eadn ch\u1ee9ng ch\u1ec9 PCI DSS, \u0111\u00e2y l\u00e0 k\u1ebft qu\u1ea3 c\u1ee7a nh\u1eefng n\u1ed7 l\u1ef1c trong vi\u1ec7c li\u00ean t\u1ee5c c\u1ea3i ti\u1ebfn, n\u00e2ng cao ti\u00eau chu\u1ea9n b\u1ea3o m\u1eadt, t\u0103ng c\u01b0\u1eddng ki\u1ec3m so\u00e1t c\u00f4ng t\u00e1c v\u1eadn h\u00e0nh th\u1ebb.<\/span><\/p>\n

Qua \u0111\u00f3, ng\u00e2n h\u00e0ng \u0111\u00e3 c\u00f3 nh\u1eefng thay \u0111\u1ed5i v\u00e0 \u0111\u1ed9t ph\u00e1 \u0111\u00e1ng k\u1ec3 trong s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 v\u00e0 c\u00f4ng ngh\u1ec7 c\u1ee7a m\u00ecnh nh\u01b0: Kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c tr\u1ea3i nghi\u1ec7m giao d\u1ecbch thanh to\u00e1n v\u1edbi c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i – thanh to\u00e1n kh\u00f4ng ch\u1ea1m (contactless); \u1ee9ng d\u1ee5ng th\u00e0nh c\u00f4ng n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 3D \u2013 Secure, th\u1ebb t\u00edn d\u1ee5ng OCB \u0111\u1ea3m b\u1ea3o \u0111\u01b0\u1ee3c t\u00ednh b\u1ea3o m\u1eadt khi th\u1ef1c hi\u1ec7n giao d\u1ecbch, l\u00e0m n\u1ec1n t\u1ea3ng \u0111\u1ec3 ti\u1ebfp t\u1ee5c m\u1edf r\u1ed9ng k\u1ebft n\u1ed1i v\u00e0 cung c\u1ea5p \u0111a d\u1ea1ng h\u01a1n n\u1eefa c\u00e1c s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh trong h\u1ec7 sinh th\u00e1i, tr\u01b0\u1edbc m\u1eaft l\u00e0 v\u1edbi tr\u01b0\u1eddng h\u1ecdc v\u00e0 b\u1ec7nh vi\u1ec7n.<\/span><\/p>\n

“OCB ti\u00ean phong s\u1ed1 ho\u00e1 d\u1ecbch v\u1ee5 m\u1edf t\u00e0i kho\u1ea3n, \u0111\u00e2y c\u0169ng l\u00e0 \u0111i\u1ec3m nh\u1ea5n c\u1ee7a Ng\u00e2n h\u00e0ng. V\u1edbi 3-5 ph\u00fat, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 m\u1edf t\u00e0i kho\u1ea3n online, sau \u0111\u00f3 c\u00f3 nh\u00e2n vi\u00ean li\u00ean h\u1ec7 \u0111\u1ec3 ho\u00e0n t\u1ea5t th\u1ee7 t\u1ee5c trong ng\u00e0y v\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 tr\u1ea3i nghi\u1ec7m ngay d\u1ecbch v\u1ee5 OCB OMNI m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u1ebfn chi nh\u00e1nh c\u1ee7a ng\u00e2n h\u00e0ng”.<\/span><\/p>\n

\u0110\u1eb7c bi\u1ec7t, m\u1edbi \u0111\u00e2y, Ng\u00e2n h\u00e0ng \u0111\u00e3 ra m\u1eaft Open API \u2013 H\u1ec7 sinh th\u00e1i c\u1ee7a ng\u00e2n h\u00e0ng m\u1edf. \u0110\u00e2y \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t trong nh\u1eefng c\u00f4ng ngh\u1ec7 s\u1ebd thay \u0111\u1ed5i to\u00e0n di\u1ec7n ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng s\u1eafp t\u1edbi.<\/span><\/p>\n

T\u1ea1i Vi\u1ec7t Nam, OCB l\u00e0 m\u1ed9t trong nh\u1eefng ng\u00e2n h\u00e0ng ti\u00ean phong v\u1edbi m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng m\u1edf v\u1edbi n\u1ec1n t\u1ea3ng Open API. Hi\u1ec7n Open API c\u1ee7a OCB \u0111\u00e3 v\u00e0 \u0111ang \u0111\u01b0\u1ee3c khai th\u00e1c, \u00e1p d\u1ee5ng cho nhi\u1ec1u h\u00ecnh th\u1ee9c d\u1ecbch v\u1ee5 trong nhi\u1ec1u m\u00f4 h\u00ecnh kh\u00e1c nhau v\u1edbi m\u1ee9c t\u0103ng tr\u01b0\u1edfng v\u01b0\u1ee3t b\u1eadc sau h\u01a1n 6 th\u00e1ng \u00e1p d\u1ee5ng ch\u00ednh th\u1ee9c.<\/span><\/p>\n

Tuy nhi\u00ean, \u00f4ng V\u0169 nh\u1ea5n m\u1ea1nh: C\u1ea1nh tranh trong chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u0169ng nh\u01b0 ph\u00e1t tri\u1ec3n d\u1ecbch v\u1ee5 \u1edf l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh \u0111\u1ec3 thu h\u00fat kh\u00e1ch h\u00e0ng c\u1ee7a ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng r\u1ea5t l\u1edbn. Tr\u01b0\u1edbc \u0111\u00e2y s\u1ef1 l\u1ef1a ch\u1ecdn c\u1ee7a kh\u00e1ch h\u00e0ng \u00edt v\u00e0 th\u1ee5 \u0111\u1ed9ng, nh\u01b0ng hi\u1ec7n nay kh\u00e1ch h\u00e0ng ho\u00e0n to\u00e0n ch\u1ee7 \u0111\u1ed9ng v\u00e0 c\u00f3 r\u1ea5t nhi\u1ec1u l\u1ef1a ch\u1ecdn. V\u00ec th\u1ebf, \u0111\u00f2i h\u1ecfi ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u01b0a ra c\u00e1c s\u1ea3n ph\u1ea9m ph\u00f9 h\u1ee3p m\u1edbi c\u00f3 th\u1ec3 thu h\u00fat \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng.<\/span><\/p>\n

Hi\u1ec7n OCB \u0111ang li\u00ean k\u1ebft v\u1edbi AirPay, VnPay, Momo… gi\u00fap kh\u00e1ch h\u00e0ng thanh to\u00e1n ho\u00e1 \u0111\u01a1n \u0111i\u1ec7n, n\u01b0\u1edbc, Internet, n\u1ea1p ti\u1ec1n \u0111i\u1ec7n tho\u1ea1i ngay tr\u00ean \u1ee9ng d\u1ee5ng OCB OMNI ho\u1eb7c chuy\u1ec3n ti\u1ec1n qua c\u00e1c v\u00ed \u0111\u1ec3 mua s\u1eafm, thanh to\u00e1n d\u1ecbch v\u1ee5.<\/span><\/p>\n

( Ngu\u1ed3n: Cafef.vn)\u00a0<\/span><\/p>\n

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

C\u00e1c ng\u00e2n h\u00e0ng \u0111ang t\u00edch c\u1ef1c chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip, v\u00e0 d\u1ef1 ki\u1ebfn s\u1ebd ho\u00e0n t\u1ea5t vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i trong n\u0103m sau, theo l\u1ed9 tr\u00ecnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. Theo \u00f4ng Nguy\u1ec5n Tr\u1ecdng \u0110\u01b0\u1eddng, Ph\u00f3 c\u1ee5c tr\u01b0\u1edfng C\u1ee5c An to\u00e0n th\u00f4ng tin (B\u1ed9 Th\u00f4ng tin v\u00e0 Truy\u1ec1n th\u00f4ng), c\u00f9ng v\u1edbi s\u1ef1<\/p>","protected":false},"author":4,"featured_media":913,"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\/912"}],"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=912"}],"version-history":[{"count":1,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/912\/revisions"}],"predecessor-version":[{"id":915,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/912\/revisions\/915"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media\/913"}],"wp:attachment":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media?parent=912"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/categories?post=912"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/tags?post=912"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}