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Sl/ phaf frien vi/g'f bdc cua khoa hoc cong nghe 5a nhanh chong Si/tfc ung dung vao moi mqf cua Sofi song kinh fe xa hoi fodn cau. fiieu ndy cung giup cho dich vu Ngdn hdng - Idi chin[r]
(1)QUAN TRj RUI RO TRONG UNH VUC THANH
TOAN THE TRUC T U Y I N TAI VIET NAJVI
ThS Pham Thanh HUdng - Trudng dai hpc Thuang mai
Sl/ phaf frien vi/g'f bdc cua khoa hoc cong nghe 5a nhanh chong Si/tfc ung dung vao moi mqf cua Sofi song kinh fe xa hoi fodn cau fiieu ndy cung giup cho dich vu Ngdn hdng - Idi chinh phdf frien nnof cdch mqnh me Khoa hpc cdng nghe phdf frien Jd giup cho cdc ngdn hdng mor rong kha ndng ung dung fin hoc vdo cong nghe fhanh fodn, cdc phu'tfng fien fhanh fodn ngdy cdng ^u'tfc phdf frien 5a dqng, phong phu vd mqf frong nhOng loqi hinh dich vy mcfi di/o fren ung dung cua cong nghe 5d Id hoqf dong kinh doanh fhe
Issuer Domain
/ C.yUJHOLDER ^
^
Issuer
Interoperability Domain
^ M Authentication History
Server - ^
^
VisaNet <^— > Acquirer ^ ^
La mdt phuong tien toan hien dai, nhilu tien ich, nhUng cung nhu cac loai hinh san pham dich vu khac, the toan v l n cd the phat sinh nhdng rui m gay nhdng thiet hai v l tai chinh hoac cac gia trj phi vat c h i t khac cho cac chu the va Ngan hang Mpt sd rdi cd the xay cho cac ehu the tham gia: bao gdm cae to chdc phat hanh, chd the, cac to chdc cung dng dich vy toan va cac don vj c h i p nhan the
Rui ro phat sinh qua trinh kinh doanh the mang tinh c h i t he t h i n g , ngoai thiet hai ddi vdi chu the -ngudi sd dyng dich vu the nhU m l t t i l n , khdng thUe hien dupe giao djch, thi nhdng thiet hai ve vat chat va uy tin d l i vdi ngan hang tmng phat hanh va toan the la khdng nho Do dd, viec ngan ngda va giam thieu mi m tmng qua trinh phat hanh va sd dung the toan, dac biet la viec gidm thieu mi m tmng toan the true tuyen dang la mdi quan tam chung cua mpi ehu the tham gia qua trinh nay, dac biet la d l i vdi cae ngan hang thuang mai
Hien loai hinh gia mao t m n g toan true tuyln ed xu hUdng eang tang eao tren toan c l u cung nhu tmng khu vUc Chau A Thai Binh Duang Viec bung no thuang mai dien td va d l dang cd dUac cae thdng tin the bj danh d p da gidp cho viec thUe hien giao dich gia mao kha de dang Han nda cac ngan hang dang gIp rdt chuyen doi ap dung chuan EMV trang ca hoat dpng phat hanh va toan the nen viec thdc hien giao djch gia mao tai cae don vj POS eang khd khan ban Do vay trang thdi gian tdi loai hinh gia mao toan true tuyen v i n cd xu hUdng gia tang va c h i l m ty trpng Idn trang cae loai gia mao
Han c h i rui ro toan the true tuyln ed mpt so bien phap nhu sau:
Suf dung phUdng thiic xac thuc CW2:
C W la chd so in nghieng d mat sau the dan vj c h i p nhan the se yeu d u khach hang nhap s l C W thuc hien giao djch de gdi cho ngan hang phat hanh t m n g qua trinh d p phep Viec yeu d u nhap s l C W n h l m kiem
tra viec khach hang cd t i m the tren tay thue hien giao djch hay khdng va giup ngan hang phat hanh kiem tra tinh ehan thUc cua giao dich Neu s l CW2 bj sai thi lap tdc giao djch se bj td ch&i toan
Yeu d u nhap hieu lUe the thac hien giao djch va gdi cho ngan hang phat hanh xac thUe the edn hieu lac hay khdng Giao dich toan cung se bj t d c h i i n l u hieu lUc the khong ddng
Sul dung phUdng thAc xac thdc 3D secure de dmh danh chu the tai thdi diem giao dich
(2)to chdc the quIc t l Visa va MaserCard khuyen eao chu the cung nhu eac don Vl chap nhan the ap dung cac chuan bao mat qudc t l nhu Verified by Visa, MasterCard SecuraCode de giai quylt nguy ca m l t an toan bao mat thdng tin the trang toan true tuyln
Trang thdi dai cdng nghe, viec mua ban true tuyen dang mang lai nhilu ca hpi cho cae doanh nghiep cung dng san pham, djch vy true t u y l n va ea ngUdi tieu dung Tuy nhien, theo nghien edu cua eac to chdc the quIe t l , r I t nhilu chu the ngln ngai vdi viec mua ban true tuyln vi ly bao mat thdng tin thd
Verified by Visa, M a s t e r C a r d SecureCode la hai gidi phap bdo mat mang tinh toan c l u cho phep khach hang ed the t u xin d p phep giao djch thong qua mpt ma so ca nhan n h l t giai phap xac thUe 3D Secure Khach hang se dUgc bao ve thdng qua mot ma sd bdo mat nda ngan hang phat hanh d p , dUa theo tieu chuan cua cac td chdc the qudc t l
Ma s l ca nhan ddng vai trd nha chd ky hoac s l PIN cac giao dich POS va ATM Khi khach hang mua hang va toan trUe tuyln, ngoai viec diln thdng tin the thi hp se khai them ma sd ea nhan Giai phap giiip cae doanh nghiep giam thieu rui ro va giao dich ddi bdi hoan t d phia chu the Td dd da khiln cho n i l m tin eda khach hang cung nhu cua doanh nghiep ve giao djch trUc tuyen tang len gIp bdi
Giao djch true tuy^n bao mat h^ng 3D-Secure co th^ dudc mo ta nliu sau:
BLT&C 1: Chu the lua chon mua
sam
Chu the truy cap vao trang web cua dan vj chip nhan the de lUa chpn hang hda d n mua sam, cung cap eac thdng tin dUpc yeu c l u tU don vj chap nhan the bao gdm ca thdng tin the sau dd chu the bam vao nut Mua
Buoc 2: He thdng Merchant
Server Plug-m cua dan vi chip nhan the khdi tao yeu cau 3-D Secure
Ngay chu the bam nut Mua, Merahant Server Plug-in [MPI] se dupe kich boat
MPI se gdi s l thd va cae thdng tin khac lien quan d i n the tdi he t h i n g Visa Directory Server cua to chdc t h ^ quoc te
Bu&c 3: He thong Visa Directory Server cua To chCrc the quoc te xCf ly thong tin
He thdng cua td chdc the qudc t l se xac thUe don vi c h i p nhan thd:
N l u don vj chip nhan the dupe xac thUe cdng, he thdng Visa Diraetory Server se yeu cau Access Control Server quylt dinh xem viec xac thUc the cd san sang hay khdng N l u viee xac thUe don vj chap nhan the khdng cdng hay ACS khdng san sang, he thdng Visa Directory Server gdi tra Idi den MPI va tiep tuc chuyen sang
Budc
Butyc 4: Access Control Server [ACS] tri Idi Visa Directory Server
ACS se quyet dinh viec viec xac thUe the cd san sang hay khdng, sau dd tao va gdi tra Idi den Visa Diraetory Server
Buoc 5: Visa Directory Server tra Idi
Visa Directory Server se ehuyen tra Idi cua ACS tdi he t h i n g MPI cua dan vi c h i p nhan the N l u viee xac thue san sang, he thdng cua dan vj c h i p nhan the se gdi yeu d u xac thUe Payer Authentication Request tdi ACS
Bum 6: MPI gUi yeu cau xac thuc thi
Neu viec xac thUc khdng san sang thi he thdng MPI cua don vi c h i p nhan the se thdng bao tdi may ehu cOa don vj chap nhan the va t i l p tue ehuyen sang Budc 12 He thong MPI gdi yeu c l u xac thuc Payer Authentication Request tdi ACS thong qua t h i l t bi cua chu the [Payer Authentication Request bao gdm cac thdng tin v l giao djch mua s I m cua chu the]
Bum 7: ACS tiip nhan Payer
Authentication Request
Bu&c 8: ACS xac thuc chu the
ACS xac thuc chu the bang nhieu thdng s l sau: mat khau Chip, ma PIN
Ddi vdi viec xac thuc bang mat khau, vi du:
O Budc 1, sau b i m vao nut Mua chu the se nhin thay mpt cUa sd chda cae ehi t i l t v l giao dich mua sam va cUa sd yeu c l u ehu the nhap mat khau 3-D Seeura, chi t i l t nhu hinh dudi day:
Man hinh nhap mat khiu
Chd the se nhin t h l y mdt thdng bao ca nhan de dam bao rang hp dang lien lac vdi Ngan hang phat hanh cua minh Chd the nhap mat khlu eda minh va nhin nut Gdi
He t h i n g ACS se xac dinh mat khau dd dung khdng
Bu&c ACS gifi ket qua
He t h i n g ACS tra lai k i t qua Payer Authentication Response tdi he thong MPI thdng qua t h i l t bj cua chd the Cho du viee xac thdc cd edng hay khdng thi the t h i n g ACS van se gdi mpt bdn copy cua Payer Authentication Response cung vdi dd lieu lien quan den Authentication History Server He thdng se gUi bao eao giao dich tdi ngan hang phat hanh de lUu gid lam co so dd lieu neu cd tranh c h i p sau
Bu&c 10: MPI nhan tra Idi cua Payer Authentication Response
Bu&c 11: MPI xLi ly ket qua tra Idi
He t h i n g MPI se xac nhan chd ky tren Payer Authentication Response xac nhan cac dd lieu khac k i t qua tra Idi Sau dd MPI se chuyen k i t qua xac thdc tdi he t h i n g may chu cua Ngan hang phat hanh
(3)dich khac
Mpt s6 trU5ng hdp l{hac:
- Ngan hang toan cua don vi chip nhan the gdi yeu d u d p phep giao dich tdi cho Ngan hang phat hanh cUa ehu the thdng qua he t h i n g eua to chdc the quIe t l , thdng tin tmng yeu c l u d p phep giao dich se bao gdm ca thdng tin v l viec xac thUc 3-D Secure cdng
- Ngan hang phat hanh eua chu the t i l p nhan va xd ly yeu c l u xin d p phep td Ngan hang toan Sau dd Ngan hang phat hanh gdi k i t qua tra Idi d p phep Ngan hang phat hanh cd the td choi vdi nhdng ly khac vi dy nhU: khdng dd han mdc toan
Sau giao djch dUpc d p phep edng, man hinh website eua dan vj chap nhan t h i se the hien xac nhan giao djch cdng, thdng bao cho chu thd cac chi t i l t v l dan hang, viec giao hang, djch vu khach hang
Tmng thdi dai cdng nghe hien nay, viee mua ban true tuyen dang la mpt finh vuc ma t i t ea eac doanh nghiep diu dang mong muon dat duac, vi nd mang lai r I t nhilu co hdi cho cac doanh nghiep, dae biet dli vdi nhdng doanh nghiep thuong mai Vdi viee sd dyng phuang phap xac thue 3D Seeura trang giao djch toan true tuyln da tao budc dot pha trang viee gidi quylt yeu c l u bao mat thdng tin giao djch nhlm han e h l rdi cho cae ben tham gia [Ngan hang phat hanh, Ngan hang toan, chd the, don vi chip nhan the) Td thue day phat trien finh vUc toan true tuyln
Tai lieu tham khao
Verified by Visa - Visa International
MasterCard 3D Seeura - MasterCard International www.vietcombank.eom.vn
www.onepay.vn
Ngan hang DJU ti/ va Phat trien Viet Nam - BIDV
C N H NHAN TO GOP PHAN NANG CAO CHAT LOONG DjCH VU VA MOi RONG KENH PHAN PHdl NGAN HANG HIEN DAI
Dao Bui Kieu Linh,
Ban Truyen t h o n g Thuang hieu - BIDV
Xdc Sinh frinh So cdng nghe fhdng fin (CNII) cung ndng li/c fdi chinh vd nguon nhdn li/c Id fry cqf quan frong frong chien lu'q'c phdf frien ngdn hdng, frong nhieu ndm qua, Ngdn hdng 6du fu'vd Phdf trien Vief Nam (BIDV) dd uu fien nhieu nguon ii/c Sou fu'phdf frien CNII fien ndy, BIDV dd phdf frien du'q'c mqf hq fang ky fhuqf khd Sdng bq vd hien dqi Idm nen fang cho viec frien khai cdc nghiep vu ngdn hdng hien Sqi, Idm cCsdva fqo Sd cung ung cdc dich vu ngdn hdng co chdf lu'qTig cao cho nen kinh fe, gdp phdn ndng cao chdf lu'qTig sdn phdm dich vu vd si/c mqnh cqnh fronh fren fhi fru'dng
Day manh iing dung CNTT, ddi mdi quy trinh nghiep vu va san ph^m djch vu
BIDV ludn ddi mdi va dng dung cdng nghe phuc vy d i e lUe cho cdng tae quan tri va phat trien djch vu ngan hang tien t i l n ; phat trien cac he thong cdng nghe thdng tin nhu: ATM, POS, Contact Center; Cung c l va phat trien
CO sd t i n g cac he t h i n g : giam sat tai nguyen mang; mang djnh hUdng djch vy [SOA]; kiem soat truy nhap may tram; Tang eUdng cdng tac xd ly thdng tin phuc vy quan tri dilu hanh ngan
hang MIS, CRM
BIDV da trien khai cac dU an CNTT gan vdi hoat ddng Ngan hang tren cac mat:
www.vietcombank.eom.vn www.onepay.vn