{"id":950,"date":"2020-03-06T15:02:17","date_gmt":"2020-03-06T08:02:17","guid":{"rendered":"https:\/\/bmpos.com.vn\/?p=950"},"modified":"2020-03-06T15:02:17","modified_gmt":"2020-03-06T08:02:17","slug":"chuyen-doi-the-tu-sang-the-chip-tang-tinh-bao-mat","status":"publish","type":"post","link":"https:\/\/bmpos.com.vn\/en\/chuyen-doi-the-tu-sang-the-chip-tang-tinh-bao-mat\/","title":{"rendered":"Chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip: T\u0103ng t\u00ednh b\u1ea3o m\u1eadt"},"content":{"rendered":"<p><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">L\u1ed9 tr\u00ecnh v\u1ec1 vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip n\u1ed9i \u0111\u1ecba c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam ban h\u00e0nh t\u1eeb n\u0103m 2018. C\u1ee5 th\u1ec3, \u0111\u1ebfn ng\u00e0y 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 ng\u00e0y 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. Theo ghi nh\u1eadn, c\u00e1c ng\u00e2n h\u00e0ng tr\u00ean \u0111\u1ecba b\u00e0n th\u00e0nh ph\u1ed1 \u0111ang t\u00edch c\u1ef1c chuy\u1ec3n \u0111\u1ed5i \u0111\u00fang l\u1ed9 tr\u00ecnh.<\/span><\/p>\n<p><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Tr\u00ean th\u1ef1c t\u1ebf, t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay \u0111\u00e3 c\u00f3 nhi\u1ec1u v\u1ee5 gian l\u1eadn th\u1ebb khi\u1ebfn kh\u00f4ng \u00edt ng\u01b0\u1eddi d\u00e2n hoang mang v\u1ec1 t\u00ednh b\u1ea3o m\u1eadt c\u1ee7a nh\u1eefng chi\u1ebfc th\u1ebb ng\u00e2n h\u00e0ng. T\u00ecnh tr\u1ea1ng t\u00e0i kho\u1ea3n th\u1ebb b\u1ed7ng d\u01b0ng \u201cb\u1ed1c h\u01a1i\u201d v\u00e0i tri\u1ec7u \u0111\u1ed3ng, th\u1eadm ch\u00ed c\u1ea3 tr\u0103m tri\u1ec7u \u0111\u1ed3ng, hay ch\u1ee7 th\u1ebb v\u00e0 th\u1ebb \u0111ang \u1edf Vi\u1ec7t Nam nh\u01b0ng th\u1ebb t\u00edn d\u1ee5ng l\u1ea1i v\u1eabn \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ed3ng th\u1eddi \u1edf n\u01b0\u1edbc ngo\u00e0i\u2026 \u0111\u00e3 x\u1ea3y ra. Ch\u00ednh v\u00ec v\u1eady, chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip n\u1ed9i \u0111\u1ecba l\u00e0 m\u1ee5c ti\u00eau chi\u1ebfn l\u01b0\u1ee3c c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc theo h\u01b0\u1edbng ti\u1ebft ki\u1ec7m chi ph\u00ed cho x\u00e3 h\u1ed9i, ti\u1ec7n l\u1ee3i cho ng\u01b0\u1eddi d\u00e2n, \u0111\u1ed3ng th\u1eddi h\u1ea1n ch\u1ebf c\u00e1c r\u1ee7i ro v\u1ec1 gian l\u1eadn gi\u1ea3 m\u1ea1o trong thanh to\u00e1n th\u1ebb.<\/span><\/p>\n<p><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Theo TS. Nguy\u1ec5n Th\u00e0nh \u0110\u1ea1t, gi\u1ea3ng vi\u00ean khoa Ng\u00e2n h\u00e0ng, Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf (\u0110\u1ea1i h\u1ecdc \u0110\u00e0 N\u1eb5ng) l\u00fd gi\u1ea3i, chi\u1ebfc th\u1ebb t\u1eeb truy\u1ec1n th\u1ed1ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng r\u1ed9ng r\u00e3i t\u1ea1i Vi\u1ec7t Nam ch\u1ee9a to\u00e0n b\u1ed9 th\u00f4ng tin c\u1ed1 \u0111\u1ecbnh d\u01b0\u1edbi d\u1ea3i t\u1eeb m\u00e0u \u0111en, c\u00f3 th\u1ec3 \u201cr\u00f2 r\u1ec9\u201d th\u00f4ng tin c\u1ee7a ch\u1ee7 th\u1ebb. Tr\u00e1i v\u1edbi th\u1ebb t\u1eeb, th\u1ebb chip ch\u1ee9a m\u1ed9t chip \u0111i\u1ec7n t\u1eed tr\u00ean b\u1ec1 m\u1eb7t th\u1ebb, v\u1edbi b\u1ed9 vi x\u1eed l\u00fd nh\u01b0 m\u1ed9t m\u00e1y t\u00ednh thu nh\u1ecf v\u00e0 ho\u00e0n to\u00e0n \u0111\u1ed9c l\u1eadp. M\u1ed7i khi th\u1ebb chip \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 thanh to\u00e1n, chip \u0111i\u1ec7n t\u1eed s\u1ebd t\u1ea1o ra m\u1ed9t m\u00e3 giao d\u1ecbch \u0111\u1ed9c nh\u1ea5t v\u00e0 kh\u00f4ng bao gi\u1edd l\u1eb7p l\u1ea1i. Trong tr\u01b0\u1eddng h\u1ee3p th\u1ebb b\u1ecb \u0111\u00e1nh c\u1eafp th\u00f4ng tin, chi\u1ebfc th\u1ebb gi\u1ea3 s\u1ebd kh\u00f4ng ho\u1ea1t \u0111\u1ed9ng v\u00ec m\u00e3 giao d\u1ecbch b\u1ecb tr\u1ed9m kh\u00f4ng d\u00f9ng l\u1ea1i \u0111\u01b0\u1ee3c, chi\u1ebfc th\u1ebb \u0111\u00f3 s\u1ebd b\u1ecb t\u1eeb ch\u1ed1i.<\/span><\/p>\n<p><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Theo ghi nh\u1eadn, \u0111a s\u1ed1 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u1ec1u \u0111\u01b0a ra th\u1ebb c\u00f4ng ngh\u1ec7 chip t\u1eeb kh\u00e1 s\u1edbm, tuy nhi\u00ean ch\u1ec9 \u00e1p d\u1ee5ng cho th\u1ebb ghi n\u1ee3 qu\u1ed1c t\u1ebf v\u00e0 th\u1ebb t\u00edn d\u1ee5ng. T\u1eeb 28-5-2019, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng nh\u01b0 Vietcombank, Vietinbank, Sacombank\u2026 b\u1eaft \u0111\u1ea7u ph\u00e1t h\u00e0nh ra th\u1ecb tr\u01b0\u1eddng nh\u1eefng chi\u1ebfc th\u1ebb chip n\u1ed9i \u0111\u1ecba theo ti\u00eau chu\u1ea9n qu\u1ed1c t\u1ebf EMV. \u0110\u1ed1i v\u1edbi th\u1ebb c\u0169 l\u00e0 th\u1ebb t\u1eeb, c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng \u0111\u00e3 c\u00f3 k\u1ebf ho\u1ea1ch chuy\u1ec3n \u0111\u1ed5i v\u00e0 s\u1ebd th\u00f4ng b\u00e1o cho kh\u00e1ch h\u00e0ng th\u1eddi gian chuy\u1ec3n \u0111\u1ed5i th\u1ebb m\u1edbi, quy tr\u00ecnh v\u00e0 th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd chuy\u1ec3n \u0111\u1ed5i th\u1ebb chip.<\/span><\/p>\n<p><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">\u00d4ng Ho\u00e0ng Thanh H\u1ea3i, Gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng TMCP S\u00e0i g\u00f2n Th\u01b0\u01a1ng t\u00edn (Sacombank) Chi nh\u00e1nh \u0110\u00e0 N\u1eb5ng cho bi\u1ebft, Sacombank b\u1eaft \u0111\u1ea7u \u00e1p d\u1ee5ng chip EMV v\u1edbi \u01b0u \u0111i\u1ec3m gi\u00fap b\u1ea3o m\u1eadt t\u1ed1i \u01b0u th\u00f4ng tin th\u1ebb v\u00e0 cho ph\u00e9p giao d\u1ecbch thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac; l\u00e0m n\u1ec1n t\u1ea3ng quan tr\u1ecdng \u0111\u1ec3 t\u00edch h\u1ee3p, \u1ee9ng d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 c\u0169ng nh\u01b0 ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t cho c\u00e1c d\u1ecbch v\u1ee5 nh\u01b0 y t\u1ebf, gi\u00e1o d\u1ee5c, giao th\u00f4ng, b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 c\u00f4ng. M\u1eb7c d\u00f9 kh\u00f4ng ph\u1ea3i th\u1ebb chip l\u00e0 b\u1ea3o \u0111\u1ea3m an to\u00e0n tuy\u1ec7t \u0111\u1ed1i nh\u01b0ng theo th\u1ed1ng k\u00ea \u1edf m\u1ed9t s\u1ed1 th\u1ecb tr\u01b0\u1eddng, t\u1ef7 l\u1ec7 giao d\u1ecbch b\u1ecb gi\u1ea3 m\u1ea1o \u0111\u00e3 gi\u1ea3m m\u1ea1nh khi chuy\u1ec3n \u0111\u1ed5i t\u1eeb th\u1ebb t\u1eeb sang th\u1ebb chip.<\/span><\/p>\n<p><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">\u0110\u1ec3 chu\u1ea9n b\u1ecb cho l\u1ed9 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i sang th\u1ebb chip n\u1ed9i \u0111\u1ecba, nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00e3 n\u00e2ng c\u1ea5p h\u1ec7 th\u1ed1ng ATM, EDC\/POS ch\u1ea5p nh\u1eadn thanh to\u00e1n th\u1ebb chip, 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. \u00d4ng \u0110o\u00e0n Ph\u00fac, Ph\u00f3 Gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng N\u00f4ng nghi\u1ec7p v\u00e0 Ph\u00e1t tri\u1ec3n N\u00f4ng th\u00f4n (Agribank) Chi nh\u00e1nh \u0110\u00e0 N\u1eb5ng cho bi\u1ebft, Agribank 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 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 \u0103ng-ten t\u00edch h\u1ee3p b\u00ean trong.<\/span><\/p>\n<p><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">Tuy nhi\u00ean, nhi\u1ec1u ch\u1ee7 th\u1ebb c\u0169ng b\u0103n kho\u0103n v\u1edbi c\u00f4ng ngh\u1ec7 th\u1ebb chip hi\u1ec7n \u0111\u1ea1i nh\u01b0 v\u1eady th\u00ec m\u1ee9c ph\u00ed chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip s\u1ebd t\u00ednh nh\u01b0 th\u1ebf n\u00e0o. B\u1edfi l\u1ebd, th\u1ebb c\u1ee7a ng\u01b0\u1eddi d\u00f9ng c\u0103n b\u1ea3n kh\u00f4ng h\u1ec1 b\u1ecb h\u01b0, m\u1ea5t v\u00e0 v\u1eabn s\u1eed d\u1ee5ng b\u00ecnh th\u01b0\u1eddng trong c\u00e1c giao d\u1ecbnh. Theo \u00f4ng \u0110o\u00e0n Ph\u00fac, \u0111\u1ebfn nay 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. Do \u0111\u00f3, t\u00f9y v\u00e0o ch\u00ednh s\u00e1ch c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam th\u1eddi gian t\u1edbi, c\u0169ng nh\u01b0 ngu\u1ed3n l\u1ef1c c\u1ee7a m\u1ed7i ng\u00e2n h\u00e0ng \u0111\u1ec3 quy \u0111\u1ecbnh m\u1ee9c ph\u00ed chuy\u1ec3n \u0111\u1ed5i sang th\u1ebb chip n\u1ed9i \u0111\u1ecba.<\/span><\/p>\n<p><span style=\"font-family: 'times new roman', times, serif; font-size: 14pt;\">( Ngu\u1ed3n: B\u00e1o \u0110\u00e0 N\u1eb5ng)<\/span><\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>L\u1ed9 tr\u00ecnh v\u1ec1 vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip n\u1ed9i \u0111\u1ecba c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam ban h\u00e0nh t\u1eeb n\u0103m 2018. C\u1ee5 th\u1ec3, \u0111\u1ebfn ng\u00e0y 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<\/p>","protected":false},"author":4,"featured_media":711,"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\/950"}],"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=950"}],"version-history":[{"count":1,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/950\/revisions"}],"predecessor-version":[{"id":951,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/950\/revisions\/951"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media\/711"}],"wp:attachment":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media?parent=950"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/categories?post=950"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/tags?post=950"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}