Mgc tieu cua cong ty EMV l i phii d i m bio vol cic to chOc t i i chinh v i cic dai ly rang cic chuan ky thuat du phit trien nhOng van phii giO dope toang thich vdi phien bin 1998[r]
(1)1 Khai quat
Ihe chip la logi fhc nhi/a co gdn moi chip vi xu" ly Bg xu" ly vd mo Jun bao mqi phan ciing (fISM) cua chip co tinh ndng xu" ly thong tin, lull giiJ thong tin, luu giu" thong tin bi nngt, xu" ly nnd hod vd thong tin Jdu vdo vd ?du Phdn mem bao gdm he Jicu hdnh, cdc uTig dung, cdc khod bdo mdt, sd lieu ve chu the, v.v
Co loai the chip dang dope sO dgng tren thi trgdng, dd l i : The chip tiep xOc, The chip phi tiep xuc; The chip giao dien kep
Vio n i m 1993, MasterCard, Visa v i Europay thda thuan cung hpp t i c de xiy dpng nen chuan ky thuat cho viec dOng the thong minh c i c the toin d c i hai loai the t i i khoin v i the tin dgng Phien bin diu tien cua he thing EMV niy dope cdng b l vio n i m
1994 D i n n i m 998, mpt phien bin khic tin cay han ddi Cdng ty EMVco, da ning c i p chuan ky thuat vio n i m 2000 v i mpt lin nOa gin diy nhit l i nam 2004 Mgc tieu cua cong ty EMV l i phii d i m bio vol cic to chOc t i i chinh v i cic dai ly rang cic chuan ky thuat du phit trien nhOng van phii giO dope toang thich vdi phien bin 1998, cd tinh nang md de dam bao ning van hinh lien thong giOa cac the Chip v i thilt bj diu culi chip nhan the Do dd, choang trinh EMV [the chip EMV, thilt bi chip nhan the, cic phin m I m he thong, chOang trinh quin ly the, he thong c i the h o i the, v.v), cd the coi chuan EMV l i chuan dap Ong dp bao mat cao nhit tren thi trOdng hien Tuy nhien, viec ap dgng chuan EMV l i khpng b i t bupc doi vdi t i t c i c i c loai the v i cung khong phai tat c i c i c loai the Chip hien deu t u i n thu theo chuan EMV Chuan EMV chu ylu dUpc i p dgng doi vdi c i c loai the dope p h i t hinh bdi c i c to chOc the quie te nhO Visa, Master v i JOB, v.v
Kinh nghiem triin l(hai the CHIP theo Ghu^n EMV cua
Malaysia
Do Van Hiiu
2 Kinh nghiem trien Ithai the CHIP theo chu^n EMV cua Malaysia
Lg trinh thuc hien Sung dan
So vdi c i c node khu vpc Chiu A Thii Binh Duong chi cd 25% the ngan hing phit hanh la the Chip, viec chuyen doi the Chip theo tieu chuan EMV cua cic node dang d nhOng giai doan phit trien khic Tuy nhien, Malaysia l i mpt nhOng node d i u tien chuyen sang sO dung the Chip t u i n thu cic chuan cOa EMV, co rat nhilu cic nhan t l khic i n h hOdng d i n quylt djnh chuyen doi tO the tO sang sO dgng the Chip tai node niy, ly quan trpng nhit chinh l i nham ching lai viec gian lan t o i n the
TOng dope xem l i thu ciia toi pham the, Malaysia trd thinh Quoc gia dien hinh nhat viec chuyin sang the chip dat chuan EMV d khu vpc Chau A Thii Binh Duong Chinh phu Malaysia da di tien phong tren t h i gidi v i khu vgc v l viec chuyen doi sang t h i Chip dat chuan EMV v i da d l thdi han cho viec chuan bi v i thgc hien i p dgng diy du chuan EMV tO n i m 2002
E i n nam 200B hoan thinh viec chuyen doi cho t o i n bp the t o i n Oin nay, tai Malaysia 100% thilt bi d i u cuoi da chip nhan t h i Chip v i 100% the tin dung dope cac ngan hing phat hinh, to chOc phit hinh the Chip dap Ong chuan EMV
Sg tang trgdng va dap Ong ciia cac thilt bi d i u culi theo chuan EMV xuit phit tO viec dip Ong ding bp trang bj mdi v i thay t h i cac cac thiet bj diu cuoi khong dap Ong, nhim dap Ong viec chip nhan dope thi Chip, ning cip he thong quin ly the, he thong wmm-mmmm^ Switch, hg thing 03 thg
hoa the Hiep hpi Ngan hing Malaysia, Ngin hing Trung Oang v i cic Ngan hing thinh vien da co sU hop t i c mat t h i l t dd tao nen so t h i n h cdng t i l n trinh chuyen doi the Chip tai quic gia niy
Kinh nghiem chuyin doi thinh cong sang cong nghe the chip EMV cua Malaysia cho thiy, viec dUa lp trinh chuyen doi phu hpp, dung huong,
Lua chgn cong nghe 3au tunang cap dong bg phan ciing va giai phap phan mem
Lga chpn cong nghe, xic djnh diing hodng cho viec linh hoat lga chpn cac plasform v i sg sing tao viec khai thic Ipi t h i cOa the chip dap Ong chuan EMV sau phat hinh l i viec lam vo ciing quan trong, quylt djnh sg cdng hay t h i t bai cua mpt chUong trinh chuyin doi the TO sang the Chip dap Ong chuan EMV
Hien nay, cd khoang han trieu the Chip da dope phit hinh, TrUdc hoan thinh k l hoach chuyen ddi sang the Chip, gian lan toan the da giam Ton t h i t gian Ipn the
(2)X^m^
t o i n da g i i m tO , trieu U S D / n a m 0 xuong , t n e u U S D / n i m Nhd v i o viec i p dgng chuan EMV cho c i c thiet bi d i u cuoi t o i n ATM/POS, giao dich dope dam bao an t o i n cao tai c i c dau dpc t h e , m a t khac n g i n ngOa hieu qua doi vdi loai toi pham t i n cong vao cac giao djch trOc tuyen va the Chip dap Ong c h u i n EMV CO the n g i n ngOa dope c i c gian lan Nam , Malaysia da i p dung c i c c h u i n b i o m a t quoc t l tren c i c t h i chip EMV To chOc the MasterCard va Visa yeu cau, cu the la choang trinh xac thOc the chip EMV cua MasterCard [choang trinh CAP], dope dung de b i o mat giao dich e-banking, phone banking v i c i c giao djch thoong mai dien tO b i n g c i c h sO dung mot the chip EMV v i mot dau dpc the d l sinh c i c password dOng mpt lan [chgang trinh OTP) Chuong trinh xac thgc n i y keo theo cac Ipi ich nhg chi phi hieu q u i cao, c h i p nhan dUpc da kenh t o i n ,
Malaysia da x i c dinh dung mgc tieu d i u t u cdng nghe l i khau tien quyet va da t h i n h cong tien trinh trien khai chuyen doi the TO sang the Chip dap Ong EMV thay vi chi coi viec chuyen doi EMV nhO l i mot giai p h i p de giam chi phi kinh doanh, giam thieu rui ro, mat k h i c cac ngan h i n g da cd dinh hodng dung d i n v l mat lga chpn cdng nghe, tinh dong bp ve giai phap de cd nhieu co hpi nhat t i n g trUong cac chOc n i n g cua loai hinh the Chip, thiet bj c h i p n h i n toan the Chip c i c kenh t o i n ,
Lai ich
Cd the khang djnh rang the Chip chuan EMV thay the c i c loai the TO v i viec i p dgng c h u i n EMV cho c i c thiet bl dau c u l l toan A T M / P O S , giao dich dope dam bao an t o i n
The Chip giOp thgc hien viec kiem tra v i x i c n h i n giao djch c h i t che ma khdng dOng them c i c cong cg khac, do cd the thOc hien he thdng dung cho vipc dang n h i p so dgng tO m i y tinh, thiet bj d i u cuoi, lieu bao mat thdng tin k h i c h h i n g cua c i c giao djch dope
xac nhan nhat, dam b i o an toan, Viec bl lay c i p thong tin cua chu the tren the Chip va lam gia the Chip se g i y khd khan cho tpi pham the phai dau t o cong nghe cao mdi thOc hien dope M a t k h i c , de thpc hien cho viec thgc hien gian l i n chi phi cao, liy thong tin kho khan, dO lieu dope xac thgc va ma h o i se han che h i n h vi thgc hien giao dich g i i mao va l i m the Chip gia,
Co the p h i t trien nhieu tien ich cua loai the Chip t o i n cho cac doi tupng k h i c h hang phu hpp thong tin dupe lgu t r e n Chip Idn han the TO va viec x i c thOc ma PIN co the tai tren t a m the Chip,
The Chip d i p Ong chuan EMV cd the dung k i t hpp nhieu tinh n i n g tren mpt t i m t h i nhO: The phi cau dUPng, the mua x i n g d i u , c i c chOng nhan c i nhan doi voi mot so to chOc, ca quan, bang lai xe, dich vg gia tang cOa n g i n h i n g , the ID c i n h i n , the xac thoc ma nhan vien, v.v ,,
l-lan che
M p t nhopc diem cua the Chip la kha nang hO hong The nhga cd gan Chip d i t tren no d l b\ udn cong dd d l bj gay, hong the Tuy nhien, doi voi mot so he t h i n g ngan hang Idn tai Malaysia chi phi quan ly bao hanh the cd the c h i p n h i n dope so vdi ehi phi n g i n hang phai bo de tra cho c i c giao dich gia mao v i lOa dao qua t o i n the
Tai Malaysia viec k i t hpp dung the thong minh toan the k i t hpp tinh nang chap nhan cac loai hinh thu phi cua he t h i n g giao thong cong cong, mua ban x i n g dau cung cd rui ro ve quyen t g c i nhan, boi vi vdi he thong quan ly thong tin khach h i n g sU dgng the Chip nhg vay thi he thong quan ly giao thong cd the theo hanh trinh cua ca nhan cua chu the dieu g i y cho mpt so chu the khong h i i Idng, The t h o n g minh dung de x i c nhan khach h i n g l i m p t nhOng c i c h an t o i n nhat, cd t h i dung nhOng Ong dgng nhg giao dich internet banking v i c i c giao djch qua internet nhUng mOc dp an toan khdng the dam
b i o 1CXD%, Trong trOdng hop giao djch chu the thoc hien qua internet, neu may tinh c i n h i n bj nhiem cac p h i n m e m xau cua c i n h i n , to chOc thoc hien hanh vi gian lan toan thi vd hinh an ninh n g i n hang se bi xam hai hoac t h a m chi bi pha vo nhO: Phan mem cd the viet de len thdng tin gia mao hoac lay c i p thdng tin chu the [ca thong tin d i u vao tO ban phim t h i l t bj dau cuoi va thong tin dau man hinh, hoac gdi tin dang truyen t r e n mang] giOa k h i c h h i n g va ngan hang Nd cd t h i se sOa doi giao djch m i k h i c h hang khong biet, Tai Malaysia da x u i t hien loai hinh phan mem x i u nho vay, vi dg nho p h i n m e m Trojan, Silentbanker, v,v ,, M p t so n g i n h i n g tai Chau Au nho Fortis Dexia cUa Bi da dOa g i i i p h i p dung m o t t h i thong minh g i n chung vdi m p t t h i l t bi dpc the Chip khong ndi mang nham giai quyet v i n de neu tren, k h i c h hang nhap mpt thong tin d i n h g i i tO trang web cua ngan hang, PIN cua hp, v i tdng sd tien giao dich vao mot m i y doc the, m i y dpc the se tra lai mot chO ky chO s i , ChO ky n i y se dope khach hang n h i p b i n g tay vao PC va dope kiem chOng boi ngan hang, Tai Malaysia va khu vpc Chau A T h i i Binh Doong cd giai p h i p ngan chan toang to, ngoai he thong toong lOa cua Core Bank,
Ben canh viec c i c ngan hang chay dua vdi so p h i t t r i l n cua toi pham cong nghe cao cung l i sO thieu hgt mpt che tai la sg luon theo sau ve cdng nghe phai bo khoan chi phi Idn d i u tU cong nghe dan d i n thieu mot chuan thong nhat ve chOc n i n g va an ninh cua the thdng minh va c i c thiet bi dau cuoi c h i p n h i n the Chip,
Oau t o cua ngan h i n g cho viec p h i t hanh va c h i p nhan the Chip d i p Ong chuan EMV cao,
3 Bai hgc do! v6l Viet nam va Ngan hang Agribanl< tu kinh nghiem phat tri§n the Chip cua Malaysia
D i y la cdng nghe mdi ma nhieu node tren the giPi dang so dgng the chip cd nhieu Uu diem, vUpt t r p i ban ban the tO, m i t khac d i y l i yeu to
(3)bat bupc dope quy djnh cOa to chOc the quoc te doi vdi c i c ngan hang phit hinh va ngan hing chap nhan t o i n the, Chinh vi vay, viec thay the the TO bing the Chip l i viec l i m tat yeu, phu hpp vdi quy luat cua sg p h i t trien Thgc te, yeu t l s i mpt, quan trpng n h i t van l i t i l m Igc v i b i i t o i n d i u tg cua ngin hing Viec chuyin doi t h i to sang the chip v i cac he thong lien quan se rat t i n kem, ngin hing se phii d i u tO r i t Idn
Ngan hing Agribank nen quan tam chuyen doi the Chip dap Ong chuin EMV doi vdi the qudc t l
N I U the ghi np npi dja chu ylu phit trien the tren thi trOdng npi dia thi chOa n h i t t h i l t phai chuyen doi t h i Chip vi chu the nOdc mdi chi dang sO dgng s i n pham dich vg t i i thieu la rOt tien, chuyen khoin, van tin v i toin nOPc, Trong khi, mOc dp diu to chuyen doi the TO sang the Chip se
rat Idn, rat ton kem [binh quin mpt the TO [nguyen the trang - phdi thi) mua voi g i i to 1.900 ding d i n 0 d l n g / t h i ; nhOng g i i cua the Chip 16 Kb hoac 72 Kb chi phi len tdi gap l a n / t h i TO
Cd lp trinh hop ly, cg t h i , ro r i n g cho viec chip nhan chuyen doi the Chip: Lga chpn the Chip, giii phip cua he thing ca the boa the, thiet bj dau culi, he thing Switch dope t i l n hanh thgc hien ding bp, thong nhat v i giim thiiu dope chi phi phit sinh q u i trinh thgc hien
Thgc t l cho thiy, viec chuyen sang t h i Chip khong chi dan t h u i n l i thay mpt chiee the m i ngan hing phai ning c i p thiet bj chip nhan the, nang c i p he thong chuyen mach npi bp cua ngin hing minh, viec nang cap thiet bj chip nhan the, he thong chuyin mach npi bp cua tOng ngan hing giup c i c ATM/POS k i t noi vdi sO dgng
t h i Chip, viec nang c i p ATM cung udc khoang 0 , 0 dong/ATM va nang c i p POS khoang 2,000,000 dIng/POS
Ngan hing Nha node c i n ed sg can nhac, xem xet ky lodng tren nhilu khia canh vi dg nhg tinh chat che vl mat phap ly, sO hoin thien ve co cau to chOc, k h i nang d i p Ong v l co so tang ky thuat, mang lodi lien kit giOa cac ngan hing tai Viet Nam v i cac to chOc lien ket/chuyin mach qudc gia, c i c to chOc the quoc t l Triln khai chi dao viec chuyen doi t h i Chip mpt each chinh quy, i p dung cic cong nghe hien dai ve phin cOng, mang truyln thong, an ninh bio mat, phin mem Ong dung, CO sd lieu, de hodng dan ngan hing thOong mai lap d l i n theo chuan quoc te v i quy djnh ve phap ly, ky thuat nghiep vg ngoai dap Ong EMV cdn tuan thu v i dip Ong tang cOa quoc gia, cua nganh Ngan hing •
BAOVIET Bank nana cap Core Banking len phien ban 10
N i m 1 , Ngan hing TMCP Bao Viet [BAOVIET Bank] se tap trung phat trien mang lodi, ning cao chit lopng diu to cii tao sOa chOa npi t h i t trg so chi nhinh va phong giao djch; mP mdi 20 don vj kinh doanh, nang tong so diln giao djch len gin 50 diem, v i die biet la nang cip he thing Core Banking tO phien bin len phien bin 10
Cung nam nay, ngan hing se trien khai cic he thong BPM S ECM, ho trp quan tri v i t i c nghiep tap trung; B i y manh viec phit trien c i c tien ich ngin hing dien tO v i cac s i n pham the; Phit trien cac choong trinh ho trp b i n hing, gdp phin nhanh chong md rpng pham vi khach hing c i nhin; Chu trpng quin trj he thong bio dam an t o i n he thing v i an ninh mang, k i t hpp vdi he thong na tang CNTT cua Tap doan de nang cao hieu qua hoat dong cua he thong
Trong nam , BAOVIET Bank da hoin t h i n h mpt so dg i n trpng diem nho FTP (quin ly djnh gii vin npi
bp), Internet Banking, SMS Banking, dip Ong kjp thdi cac yeu c i u cOa kinh doanh v i t i c nghiep
Mai Hue
SCB thiic hien 3o\ the SCB link mien phi trtroc 0 / / 1
ThOc hien quyet djnh s i 38/2007/OD-NHNN cOa Ngan hing Nhi node nham hoong tdi mot he thing ngan hing hien dai, quy chuin va d i m bio yeu c i u quin ly hoat dpng t o i n v i phat hinh t h i , mpi to chOc phit hinh t h i ghi no npi dja tren toin quIc deu dope yeu ciu sO dgng ma s i phit hinh t h i - Bank Identification Number] Ngin hang N h i nuac Viet Nam quy djnh, tO thing / , Ngan hing TMCP Sii Gon [SCB] da triln khai chuyin doi miln phi the SCB link cd diu s i the [BIN] 157979 sang cic sin pham the ghi np npi dja mdi vdi diu s i the l i 970429 cho khich hing Cic sin phim the mdi bao gIm bp the Tii - Lpc - Phu - Quy, Rose card [dinh rieng cho phg nO], da dang v l mau sac
hinh anh v i cd han mOc giao dich cao hon, mang din eho khich hing nhilu sU lOa chgn
Viec chuyen doi t h i tO s i BIN cu sang sd BIN mdi se dope ben hanh c h i m nhit din ngiy / / 1 Trong thdi gian chuyen doi, nhflng the SCB link cd ma BIN cu [157979] van co the thgc hien giao djch tren ATM, nhUng ke to ngiy 01 / / 1 , t i t ca cac the chOa chuyin doi sang ma BIN moi [970429] se tg dong chim dOt hieu luc,
MN
Standard Chartered gia nhap Smartlink
Ngin hang TNHH Mpt Thanh Vien Standard Chartered Viet Nam da vi/a chinh thOc gia nhip mang looi lien minh the Smartlink, Bodc tiln niy se giup cac khich hing cua ngan hing cd the ket nli vdi ban 5.000 may ATM v i 20.0CC dilm chap nhan the [POS] tren tiDin quoc, ding thdi diy manh han nOa sU hpp t i c giOa cic ngin hing vien cung mang looi Ong Louis Taylor, Tdng Giim die Standard Chartered Viet Nam