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This document for Ubers

TNG QUAN V TH THANH TON

my_hidden_charm@yahoo.com
Product Development Specialist - Card Center

For Reference Only Version 1.0 _ 17/07/2011.

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MC LC
Chng 1: Tng quan v th thanh ton ......................................................................................3 Chng 2: Phn loi th thanh ton .............................................................................................6 1. Theo cng ngh sn xut th ................................................................................................6 2. Theo phm vi lnh th s dng th ......................................................................................6 3. Theo ngun ti chnh m bo cho vic s dng th ............................................................6 4. Theo ch th pht hnh ........................................................................................................7 5. Theo hnh thc lin kt pht hnh ........................................................................................7 6. S dng kt hp trong tn gi sn phm th.........................................................................8 Chng 3: Tm hiu v m BIN ti Vit Nam .............................................................................9 Chng 4: Cc t chc th quc t ............................................................................................ 11 Chng 5: Cc t chc chuyn mch th ca Vit Nam ............................................................ 18 Chng 6: Mt s giao dch c bn trn ATM/POS .................................................................. 23 Chng 7: Nhn dng ri ro v s dng th ngn hng .............................................................. 25 Chng 8: Mt s v tr lm vic trong lnh vc th................................................................... 27 A. Mng kinh doanh th ........................................................................................................ 27 B. Mng nghip v pht hnh, thanh ton, tra sot. ................................................................ 31 C. Mng nghip v qun l ri ro v x l tranh chp............................................................ 33 D. Mng nghip v vn hnh h thng .................................................................................. 34 E. Mng cng vic lin quan n th tn dng quc t ........................................................... 37 Chng 9: Mt s kin thc nng cao v th ............................................................................. 39 1. Chun bo mt PCI DSS.................................................................................................... 39 2. Chng trnh 3D Secure .................................................................................................... 40 3. Nguyn tc bo v th thanh ton ...................................................................................... 41 4. Mi su mo hn ch gian ln th tn dng ...................................................................... 42

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Ti liu nh ny mong mun cung cp n cc bn mt s thng tin tng quan v sn phm dch v trong lnh vc th thanh ton, cng nh m t mt s cng vic lin quan. Nh cc bn bit, thanh ton khng dng tin mt ni chung v s dng th thanh ton ni ring ang c nh nc ta rt quan tm pht trin. Cc ch th v tr lng qua ti khon, yu cu kt ni cc h thng chuyn mch th cui nm 2010, h thng POS cui nm 2011 to s thun li ln nht cho ngi tiu dng ni ln iu . Cc ngn hng Vit Nam cng rt quan tm n lnh vc dch v th, coi l mt knh quan trng qung b hnh nh ngn hng, cng nh gp phn a dng ho sn phm dch v cho cc khch hng c nhn. Theo nghin cu ca cc chuyn gia, ti cc nc, li nhun ca ngn hng bn l thng chim khong 50% tng li nhun ca ngn hng. Trong ngn hng bn l, li nhun th ln hn tn dng c nhn. Vi xu hng chung , lnh vc th ha hn mt tng lai ti sng Vit Nam. Tm th nh gn, nhng n sau n l mt h thng cng ngh thng tin phc tp, nhn lc vn hnh rt ln. Tm hiu v th cng s mang n cho bn nhng tri nghim th v. Hy vng sau khi c ti liu ny s c nhiu bn quan tm n lnh vc th hn. Do kin thc hn ch, ti liu khng trnh khi thiu st. Rt mong cc bn thng cm ^_^ Mi gp vui lng gi v: my_hidden_charm@yahoo.com
Ghi ch: Nhng kin thc chuyn su nm ngoi phm vi ca ti liu ny (H thng cp php, x l giao dch, x l thanh ton, x l tranh chp)

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Chng 1: Tng quan v th thanh ton

1. Th thanh ton do ng Frank Mc Namara, mt doanh nhn ngi M, pht minh vo nm 1949. Nhng tm th thanh ton u tin c tn l Diners Club. 2. Th ngn hng: L phng tin do t chc pht hnh th pht hnh thc hin giao dch th theo cc iu kin v iu khon c cc bn tho thun. 3. Giao dch th: L vic s dng th gi, np, rt tin mt, thanh ton tin hng ho, dch v, s dng cc dch v khc do t chc pht hnh th, t chc thanh ton th cung ng. 4. Np tin: L vic np gi tr tin vo th bng cch np tin mt, sc, chuyn tin bng th ghi n, th tn dng hoc trch ti khon tin gi thanh ton thng qua t chc pht hnh th, t chc thanh ton th, i l pht hnh th hoc n v chp nhn th. 5. Ch th: L c nhn hoc t chc c t chc pht hnh th cung cp th s dng, bao gm ch th chnh v ch th ph. 6. Ch th chnh: L c nhn hoc t chc ng tn tha thun v vic s dng th vi t chc pht hnh th v c ngha v thc hin tha thun . 7. Ch th ph: L c nhn c ch th chnh cho php s dng th theo tha thun v vic s dng th gia ch th chnh v t chc pht hnh th. Ch th ph chu trch nhim v vic s dng th vi ch th chnh. 8. T chc pht hnh th (vit tt l TCPHT): L ngn hng, t chc tn dng phi ngn hng, t chc tn dng hp tc, t chc khc khng phi l t chc tn dng c php pht hnh th. 9. T chc thanh ton th (vit tt l TCTTT): L ngn hng, t chc khc khng phi l ngn hng c php thc hin dch v thanh ton th. 10. T chc chuyn mch th: L t chc trung gian cung ng dch v kt ni h thng x l giao dch th cho cc TCPHT, TCTTT v VCNT theo tho thun bng vn bn gia cc bn lin quan. 11. T chc cung ng dch v thanh ton b tr giao dch th: L t chc trung gian thc hin vic trao i d liu bng in t hoc bng chng t v b tr cc ngha v ti chnh Page 3 of 43

pht sinh t cc giao dch th cho cc TCPHT, TCTTT v VCNT theo tho thun bng vn bn gia cc bn lin quan. T chc chuyn mch th trong trng hp thc hin cc dch v quy nh ti Khon ny cng c coi l t chc cung ng dch v thanh ton b tr giao dch th. 12. n v chp nhn th (vit tt l VCNT): L t chc, c nhn chp nhn thanh ton hng ho v dch v, cung cp dch v np, rt tin mt bng th. 13. Dch v h tr hot ng th: L dch v c t chc, c nhn chuyn mn bn th ba cung ng cho TCPHT, TCTTT, t chc cung ng dch v thanh ton b tr giao dch th, t chc chuyn mch th theo hp ng dch v c tha thun gia cc bn lin quan. Dch v h tr hot ng th bao gm: i l phn phi th, cho thu ATM/POS/CD, np tin vo ATM/CD, bo dng ATM/POS/CD, cung cp gii php k thut lin quan n nghip v th v cc dch v khc khng tri php lut Vit Nam. 14. My giao dch t ng (Automated Teller Machine vit tt l ATM): L thit b m ch th c th s dng gi, np, rt tin mt, chuyn khon, tra cu thng tin giao dch th hoc s dng cc dch v khc. 15. My rt tin (Cash Dispenser vit tt l CD): L thit b m ch th c th s dng ch rt tin mt. 16. M s xc nh ch th (Personal Identification Number vit tt l PIN): L m s mt ca c nhn c TCPHT cung cp cho ch th, s dng trong mt s giao dch th chng thc ch th. M s ny do ch th chu trch nhim bo mt. Trong giao dch in t s PIN c coi l ch k ca ch th. 17. M s t chc pht hnh th (Bank Identification Number vit tt l BIN): L dy ch s duy nht c Ngn hng Nh nc quy nh theo mt nguyn tc thng nht nhm xc nh t chc pht hnh th, cc sn phm, dch v ca t chc pht hnh th. 18. Ti khon tin gi thanh ton: L ti khon do c nhn hoc t chc m ti t chc cung ng dch v thanh ton vi mc ch gi, gi tin hoc thc hin cc giao dch thanh ton qua t chc cung ng dch v thanh ton bng cc phng tin thanh ton. 19. Danh sch Bulletin: Cn gi l danh sch bo ng khn cp, l mt danh sch lit k nhng s th khng c php thanh ton hay khng c php mua hng ha, dch v. l Page 4 of 43

nhng th tiu dng qu hn mc, th gi mo ang lu hnh, th b l mt m c nhn (PIN), th b mt cp, tht lc, th b loi b... Danh sch c cp nht lin tc v gi n cho tt c cc Ngn hng thanh ton thng bo kp thi cho c s chp nhn.

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Chng 2: Phn loi th thanh ton

C nhiu cch phn loi th thanh ton: phn loi theo cng ngh sn xut, theo ch th pht hnh, theo tnh cht thanh ton ca th, theo phm vi lnh th...

1. Theo cng ngh sn xut th

a. Th bng t (Magnetic stripe): da trn k thut th tn vi hai bng t cha thng tin ng sau mt th. Th ny c s dng ph bin trong 20 nm qua , nhng bc l mt s nhc im: do thng tin ghi trn th khng t m ho c, th ch mang thng tin c nh, khng gian cha d liu t, khng p dng c k thut m ho, bo mt thng tin... b. Th chip theo chun EMV (vit tt l th Chip) l sn phm th c gn chip in t vi b vi x l nh mt my tnh thu nh a chc nng v ng dng, c kh nng lu tr cc thng tin quan trng c m ha vi bo mt cao. EMV l sn phm chung do Europay, MasterCard v Visa cng pht trin vo gia thp nin 1990s c tnh nng m m bo kh nng vn hnh lin thng gia cc th chip v my c thanh ton

2. Theo phm vi lnh th s dng th

Theo phm vi lnh th s dng th, th bao gm: th ni a v th quc t. Th ni a: L th c t chc pht hnh th ti Vit Nam pht hnh giao dch trong lnh th Vit Nam. Th quc t: L th c t chc pht hnh th ti Vit Nam pht hnh giao dch trong v ngoi lnh th nc Vit Nam; hoc l th c t chc nc ngoi pht hnh v giao dch trong lnh th Vit Nam.

3. Theo ngun ti chnh m bo cho vic s dng th

Theo ngun ti chnh m bo cho vic s dng th, th bao gm: th ghi n, th tn dng, th tr trc. a. Th tn dng (Credit Card): l loi th c s dng ph bin nht, theo ngi ch th c php s dng mt hn mc tn dng khng phi tr li mua sm hng ho, dch v ti nhng c s kinh doanh, khch sn, sn bay ... chp nhn loi th ny. Gi y l th tn dng v ch th c ng trc mt hn mc tiu dng m khng phi tr tin ngay, ch thanh ton sau mt k hn nht nh. Cng t c im trn m ngi ta cn gi th tn dng l th chm tr. Page 6 of 43

b. Th ghi n (Debit card): y l loi th c quan h trc tip v gn lin vi ti khon tin gi. Loi th ny khi c s dng mua hng ho hay dch v, gi tr nhng giao dch s c khu tr ngay lp tc vo ti khon ca ch th thng qua nhng thit b in t t ti ca hng, khch sn ... ng thi chuyn ngn ngay lp tc vo ti khon ca ca hng, khch sn... Th ghi n cn hay c s dng rt tin mt ti my rt tin t ng. Th ghi n khng c hn mc tn dng v n ph thuc vo s d hin hu trn ti khon ca ch th. C hai loi th ghi n c bn: - Th online: l loi th m gi tr nhng giao dch c khu tr ngay lp tc vo ti khon ch th. - Th offline: l loi th m gi tr nhng giao dch c khu tr vo ti khon ch th sau vi ngy. c. Th tr trc (prepaid card): L th cho php ch th thc hin giao dch th trong phm vi gi tr tin c np vo th tng ng vi s tin m ch th tr trc cho t chc pht hnh th. Th tr trc bao gm: Th tr trc xc nh danh tnh (th tr trc nh danh) v th tr trc khng xc nh danh tnh (th tr trc v danh).

4. Theo ch th pht hnh

- Th do Ngn hng pht hnh (Bank Card): l loi th do ngn hng pht hnh gip cho khch hng s dng mt s tin do Ngn hng cp tn dng. - Th do t chc phi ngn hng pht hnh: l loi th du lch v gii tr ca cc tp on kinh doanh ln hoc cc cng ty xng du ln, cc ca hiu ln... pht hnh nh Diner's Club, Amex...

5. Theo hnh thc lin kt pht hnh

Th ng thng hiu (co-brand): L sn phm th c pht hnh da trn tho thun hp tc gia ngn hng pht hnh vi cc i tc lin kt ca ngn hng. c im ca th ng thng hiu l logo ca Ngn hng pht hnh song hnh vi Logo ca T chc lin kt trn b mt th. Khi s dng th khch hng nhn c nhiu u i t ngn hng pht hnh v i tc ng thng hiu.

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Cc sn phm th ng thng hiu tiu biu: Th lin kt taxi, siu th, bo him..

6. S dng kt hp trong tn gi sn phm th

Da trn cc hnh thc phn loi, 1 sn phm th c th c gi da trn vic kt hp cc yu t nh sau: Th tr trc quc t ng thng hiu, th ghi n ni a ng thng hiu,..

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Chng 3: Tm hiu v m BIN ti Vit Nam

1. i tng c cp m BIN
i tng c cp m BIN l ngn hng, t chc tn dng phi ngn hng, t chc tn dng hp tc v cc t chc khc khng phi l t chc tn dng c php pht hnh th ngn hng (gi chung l t chc pht hnh th).

2. Kt cu m BIN
1. M BIN l mt dy s c 6 ch s theo chun ISO/IEC 7812-1:2006(E) ca T chc Tiu chun Quc t v T chc K thut in Quc t ban hnh nm 2006, c nh dng 9704xx, trong : a) 04 ch s u tin ca m BIN phn nh m quc gia ca t chc pht hnh th thc hin nghip v pht hnh th ti Vit Nam. b) 02 ch s cui cng bt u t s 00 cho n s 99 do Ngn hng Nh nc Vit Nam quy nh cho tng t chc pht hnh th. 2. Trng hp kho s (100 s) theo chun ISO/IEC 7812-1: 2006(E) c cp ht cho cc t chc pht hnh th, Thng c Ngn hng Nh nc s quy nh kt cu m BIN mi ph hp vi iu kin cp, s dng v qun l m BIN ti thi im .

3. Qun l m BIN
Ngn hng Nh nc Vit Nam ch cp 01 m BIN duy nht cho mi t chc pht hnh th thuc i tng c cp m BIN. T chc pht hnh th c php s dng cc ch s sau m s BIN phn bit loi sn phm, dch v, cng ngh th hoc v tr a l.

4. M BIN ca mt s ngn hng STT 1 2 3 4 5 Tn ngn hng Ngn hng Nng nghip v Pht trin Nng thn VN (Agribank) Ngn hng Cng thng Vit Nam (Vietinbank) Ngn hng Ngoi thng Vit Nam (Vietcombank) Ngn hng u t v Pht trin Vit Nam (BIDV) Ngn hng Pht trin Nh ng bng sng Cu Long (MHB)
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BIN 970405 970415 970436 970415

6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29

Ngn hng TMCP Chu (ACB) Ngn hng TMCP Qun i (MB) Ngn hng TMCP K thng (Techcombank) Ngn hng TMCP Si Gn Thng Tn (Sacombank) Ngn hng TMCP Xut nhp khu Vit Nam (Eximbank) Ngn hng TMCP An Bnh (ABBank) Ngn hng TMCP Si Gn Cng thng (Saigonbank) Ngn hng TMCP Nh H Ni (Habubank) Ngn hng TMCP i Dng (OceanBank) Ngn hng TMCP ng Nam (SeABank) Ngn hng TMCP Bc (NasBank) Ngn hng TMCP Min Ty (Western Bank) Ngn hng TMCP Xng Du Petrolimex (PG Bank) Ngn hng TMCP i Tn (Trustbank) Ngn hng TMCP Nam Vit (NaviBank) Ngn hng TMCP i Dng (OceanBank) Ngn hng TMCP Bo Vit (BaoVietBank) Ngn hng TMCP ng (DongABank) Ngn hng TMCP Hng hi (MaritimeBank) Ngn hng TMCP Quc t (VIB) Ngn hng TMCP Vit Nam Thnh Vng (VPBank) Ngn hng TMCP Si Gn H Ni (SHB) Ngn hng TMCP Nam (Nam A Bank) Ngn hng Lin doanh Vit Nga (VRB)

970416 970420 970407 970403

970430

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Chng 4: Cc t chc th quc t

1. Tm hiu v TCTQT Visa
Visa Inc. l mt cng ty cng ngh thanh ton ton cu, kt ni khch hng, doanh nghip, cc nh ch ti chnh v cc chnh ph ti hn 200 quc gia v vng lnh th, cho php h s dng tin in t thay v dng tin mt. Mc tiu kinh doanh ca Visa gm: Cung cp cc dch v x l giao dch cho cc t chc ti chnh thng qua mng Visanet, mt mng x l thanh ton tp trung, cung cp 3 chc nng c bn trong 1 gi gii php ton din v linh hot: dch v x l giao dch, dch v qun l ri ro v dch v thng tin. Visa tip tc tm kim v pht trin cc hnh thc thanh ton trn khp th gii Visa cung cp a dng cc sn phm thanh ton: dnh cho cc khch hng l nh ch ti chnh nh: th tn dng, ghi n, th tr trc v cc chng trnh cash-access ti khch hng ca h (c nhn, doanh nghip v chnh ph) Visa s hu v qun l nhn hiu Visa, cung cp dch v n khong 10 triu VCNT v 1,8 triu my ATM ti hn 200 quc gia v vng lnh th. Visas khng pht hnh th trc tip, khng cp hn mc tn dng, thit lp t gi hay ph n khch hng. Mi quan h vi khch hng l t mng li khch hng ca cc nh ch ti chnh thnh vin. Ngun thu ca Visa ch yu n t ph, l ph thanh ton c tr bi cc nh ch ti chnh thnh vin da trn khi lng thanh ton, giao dch m Visa x l, v cc dch v khc lin quan m Visa cung cp. S pht trin sn phm dch v t Visa cho php khch hng ca Visa - cc nh ch ti chnh, cung cp nhiu s la chn hn cho khch hng ca h: pay ahead of time with prepaid, pay now with debit or later with credit products. FYI: http://corporate.visa.com/about-visa/our-business-index.shtml

2. Tm hiu v TCTQT MasterCard

L mt trong nhng thng hiu thanh ton c cng nhn trn ton th gii, MasterCard to dng hnh nh ca mnh trong mt khch hng bng nhng gi tr, li ch v

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s tin dng. H thng MasterCard c chp nhn trn ton cu v c s dng hn 15 triu khu vc trn th gii vi hn 3.800 khch hng mi ng k mi ngy. LCH S HNH THNH Sau chin tranh th gii th 2, nhng nc cng nghip phng Ty, c bit l M, c s pht trin vt bc v kinh t. Cht lng cuc sng tng vt, vic kinh doanh y trin vng, k thut cng ngh vn c pht trin trong nhng nm chin tranh nay li c ng dng vo sn xut, sn phm v dch v trn thng trng nn trong lnh vc ngn hng, ngi tiu dng cng i hi dch v tt hn v tin li hn. p ng iu , th ngn hng u tin c pht hnh vo nhng nm 60. Nm 1966 mt tp on M c tn gi Western States BankCard Association m rng quan h ti nhng tp on ti chnh khc v bt u tung ra th trng loi th MasterCharge. Nm 1979, n c i tn thnh MasterCard chng t v th thng lnh th trng v pht trin thm nhng dch v mi. T , cng ty lun lun gy n tng mnh m thng qua vic cung cp nhng dch v c bit p dng k thut cao. Chng hn, nm 1981, MasterCard i tin phong trong vic pht hnh ra chng trnh th vng u tin trn th gii. Nm 1983, n li i u trong vic s dng cng ngh nh 3 chiu dng tia laser vi mc ch to an ton cao. V gn y, MasterCard li tr thnh cng ty chi tr ton cu hng u th gii s dng k thut sinh trc hc phc tp vi an ton rt cao - nhn din khch hng qua du vn tay. Nm 1985, Commonwealth Bank tr thnh ngn hng u tin pht hng th MasterCard c. Tip sau l Westpac v National Australia Bank. Ngy nay, hu nh tt c cc ngn hng c u c pht hnh th MasterCard v Maestro cho khch hng. SN PHM L mt trong nhng thng hiu thanh ton c cng nhn trn ton th gii, MasterCard to dng hnh nh ca mnh trong mt khch hng bng nhng gi tr, li ch v s tin dng. H thng MasterCard c chp nhn trn ton cu v c s dng hn 15 triu khu vc trn th gii vi hn 3.800 khch hng mi ng k mi ngy v chng trnh th ghi n Maesstro, ATM Cirrus cng c khch hng n nhn. Thnh vin ca MasterCard bao gm cc ngn hng, cc t chc ti chnh hoc nhng cng ty cung cp dch v ti chnh v mi ngnh u c nhng lut l, s gim st khc nhau. Page 12 of 43

Cc thnh vin ca MasterCard sn sng p ng nhng sn phm v th tn dng mang thng hiu MasterCard. Hin nay, cc Thnh vin ca MasterCard cn a ra loi thquc t Platinum MasterCard - th c uy tn v gi tr cao hn. Ngoi ra, cn c World MasterCard - loi th cao cp nht v c gi tr vnh vin. Ngoi phm vi chi tr cho thng mi, kinh doanh v tp th, MasterCard cn gip cc cng ty theo di, qun l chi tiu trong du lch, gii tr hoc cc bt c s chi tiu no khc. Purchasing card li l mt loi th khc, n gip cho cc cng ty c th theo di v kim sot chi tiu trong dch v v gii tr hoc bt k s chi tiu no khc. Tm li, di bt k hnh thc no th cc sn phm ca MasterCard cng p ng c bn cht mi lc, mi ni ca tn dng. MasterCard Global Service l mt chng trnh phc v khch hng vi k thut cng ngh cao hon ho nht. Ch th MasterCardc th gi in thoi xin tr gip v cc vn lin quan ti th hon ton min ph. Dch v ny cung cp trn 140 ngn ng v c th nhn cuc gi t hn 200 ngn khc hng 130 quc gia khc nhau. CI TIN GN Y MasterCard International tip tc l cng ty hng u th gii trong vic thc thi chin dch ton cu SET (Secure Electronic Transaction - giao dch in t an ton). Chng trnh c khi xng Nam Triu Tin nm 1998 dnh cho 2000 ch th MasterCard. H thng mi cho php ch th khng cn phi cung cp thng tin s th tn dng ca h ln mng Internet. iu ny gip trnh c ri ro thng tin b tit l. SET thit lp nn mt tiu chun mi cho khi nim an ton trong lnh vc ti chnh in t v hy vng s c chp nhn rng ri trong vi thng hoc vi nm ti. MasterCard gn nh nm v tr lnh o trong mt lnh vc k thut cng ngh khi mua c 51% c phiu ca Mondex International - mt cng ty chuyn cung cp cc sn phm lin quan n th thng minh smart card c s dng 23 quc gia trn th gii bao gm c Australia, Canada, Costa Rica, Hong Kong, Israel, Philippines, UK, v USA. Vic MasterCard c c phn trong Mondex to ra mt bc ngot quan trng trong vic thit lp nn mt h thng

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chi tr ton cu s dng chip in t, sn phm c xu hng s thay th tin mt v sc trong giao dch hng ngy, thm ch trong c nhng vic mua bn n gin nht. GI TR THNG HIU MasterCard ang thc hin chin lc pht trin thng hiu cng c lng tin ca khch hng vo nhng dch v ca cng ty. Vi cng v l mt cng ty chi tr cho cc thnh vin, MasterCard ang hot ng c hiu qu v thc thi mt mng lui chi tr c chp nhn trn ton cu. iu ny bo m rng sn phm ca thng hiu MasterCard - mt sn phm cht lng cao - trong tng lai c th s thay th nhng sn phm chi tr khc (bao gm tin mt v sc). Nhng nh kinh doanh cng c khuyn co s dng dch v MasterCard trong cc giao dch thng mi. Khng c mt tr ngi no i vi khch hng s dng dch v ca MasterCard. MasterCard cung cp cho cc thnh vin ca mnh nhng sn phm v dch v c quyn. Nh th, c nh cung cp v ngi s dng dch v u c trch nhim i vi vic pht trin thng hiu ca gia nh MasterCard t nht trong vic thc hin nhng quy nh ra. Dch v chi tr c cung cp bi thng hiu MasterCard u hot ng rt hiu qu, cht lng, an ton. ngy cng pht trin v thu ht nhiu khch hng hn trong nn kinh t ton cu, MasterCard cn cung cp cho khch hng nhiu dch v chi tr tt hn thng qua th tn dng, th ghi n, th tr trciu s gip cho MasterCard nhn c s ng thun ca khch hng trn ton cu v iu s mang li li ch cho vic kinh doanh th ca cc thnh vin trong gia nh MasterCard.

3. Tm hiu v TCTQT American Express (Amex)

c xem l dn u vi cc loi th tn dng v Travellers Cheque (sc du lch), American Express thc s ginh c v tr thng hiu ton cu, v vn lun khng nh v th ca mnh bng nhng kinh nghim trong lnh vc du lch v dch v ti chnh. Sn phm v dch v ca hng c mt trn hn 200 quc gia v cng ty cng c hn 78.000 chi nhnh trn ton th gii. American Express ni ting trn ton th gii nh vo uy tn v nhng kt qu thnh cng ca s tn tm, tn ty a Hng pht trin hn na. Mc d c rt nhiu sn phm tng t nhng American Express lun chng minh c nhng im khc bit ca mnh

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trong th trng y cnh tranh bng vic kt ni nhng sn phm hng u vi dch v khch hng ngy cng tt hn. American Express Company (NYSE: AXP), sometimes known as AmEx, is a diversified global financial services company headquartered in New York City. Founded in 1850, it is one of the 30 components of the Dow Jones Industrial Average. The company is best known for its credit card, charge card, and traveler's cheque businesses. Amex cards account for approximately 24% of the total dollar volume of credit card transactions in the US, the highest of any card issuer

At American Express, We:

are the world's largest card issuer by purchase volume process millions of transactions daily as the premium network for high-spending cardmembers

help small business owners succeed by delivering purchasing power, flexibility and financial control

provide commercial payment tools and expertise that help companies control their spending and save billions of dollars

offer marketing and information management insights that help merchants build their businesses

are customer loyalty experts with industry-leading rewards programs and platforms operate the worlds largest travel network serving consumers and businesses are recognized as the most innovative company in our industries are dedicated to serving our customers, 24/7, around the world

FYI: http://about.americanexpress.com/oc/whoweare/

4. Tm hiu v TCTQT China UnionPay (CUP)

c thnh lp thng 3 nm 2002, CUP vi vai tr trung tm then cht trong lnh vc th ngn hng Trung Quc, t nn mng cho s pht trin sn phm v dch v th ngn hng. Hin nay, CUP c hn 200 thnh vin trong nc v quc t. Mng li chp nhn giao dch th CUP pht trin rng ri trn ton lnh th Trung Quc v m rng ti 27 quc gia trn ton th Page 15 of 43

gii. Thng hiu th CUP ang ngy cng c bit n rng ri trn ton th gii v l s la chn hng u ca cc ch th Trung Quc s dng ti th trng quc t. China UnionPay, also known as UnionPay or by its abbreviation, CUP, is the only domestic bank card organization in the People's Republic of China (PRC). Founded in March 2002, China UnionPay is an association for China's banking card industry, operating under the approval of the People's Bank of China (PBOC, central bank of China). It is also the only interbank network in China excluding Hong Kong and Macau, linking the ATMs of some fourteen major banks and many more smaller banks throughout mainland China. It is also an EFTPOS (Electronic Funds Transfer at Point of Sale) network.

5. Tm hiu v TCTQT Japan Credit Bureau (JCB)

T khi thnh lp nm 1961 cho n nay JCB vn lun dn u trong ngnh th Nht Bn trong vic cung cp dch v th vt tri v p ng cc nhu cu a dng ca khch hng. Nm 1981, JCB bt u pht trin trn th trng quc t v hin nay tr thnh cng ty hng u trong lnh vc cung cp cc gii php th tn dng cho cc khch hng trn khp th gii, vi hn 55 triu ch th. Mng li chp nhn thanh ton ca JCB bao gm 13 triu im ti 190 quc gia v vng lnh th, trong c Vit Nam. Phn ln cc ch th JCB n t Nht Bn, i Loan, Hn Quc, v Trung Quc, l nhng i tc rt quan trng i vi Vit Nam. Since being established in 1961, JCB has maintained the position as a leader in the Japanese card industry by providing superior service -- an ability honed in response to the rigorous service requirements of Japanese consumers. In 1981, JCB began international development program with the firm commitment of offering the same quality service and the same convenience to JCB cardmembers overseas. A JCB card issuance program was launched in Hong Kong in 1985, and from the early 1990s on, our international issuance and merchant acquisition program has attracted more and more of the world's most reputable financial institutions to become JCB partners. We continue to pursue even greater global expansion from a solid foundation as a major international card brand, and at the moment 55 million of the world's most desirable cardmembers hold JCB cards -which are accepted at 10 million associated merchants and supported by close ties with 3,000 financial institutions worldwide.

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JCB Corporate History

1961: Japan Credit Bureau (JCB) established in Japan. 1981: Entered into U.S. card merchant business. 1988: JCB International Credit Card Co., Ltd. Established in Los Angeles. 1989: Formed merchant business alliance with Bank of America. 1993: JCB Bank, N.A. established. Launched consumer credit card business in U.S. 1997: Launched co-brand frequent flyers program "Northwest WorldPerks JCB Card" in the U.S. consumer credit card market. 1999: JCB Cards issues in New Zealand. 2000: JCB Cards issued in Malaysia. 2001: Rollout of J/Smart JCB's payment application for smart card issuance 2007: New JCB Brand Emblem and Brand Slogan are announced.

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Chng 5: Cc t chc chuyn mch th ca Vit Nam

1. Cng ty c phn chuyn mch ti chnh Quc gia Vit Nam - BanknetVN
Cng ty C phn Chuyn mch Ti chnh Quc gia Vit Nam c thnh lp ngy 09 thng 07 nm 2004 vi s tham gia gp vn ca 8 c ng sng lp gm 7 ngn hng hng u Vit Nam v Cng ty in ton v Truyn s liu. Cc c ng sng lp l: 1. Ngn hng Nng nghip v Pht trin Nng thn Vit Nam (Agribank) 2. Ngn hng u t v Pht trin Vit Nam (BIDV) 3. Ngn hng Cng thng Vit Nam (ViettinBank) 4. Cng ty in ton v Truyn s liu (VDC) 5. Ngn hng TMCP Chu (ACB) 6. Ngn hng TMCP Si Gn Thng tn (SACOMBANK) 7. Ngn hng TMCP ng (EAB) 8. Ngn hng TMCP Si Gn Cng thng (SAIGONBANK) Tng s vn gp ban u ca cc c ng sng lp l 94,5 t ng. Ngy 30/03/2010, Ngn hng Nh nc Vit Nam i din cho Nh nc thc hin gp vn vo Banknetvn vi s tin l 31,5 t ng, nng tng s vn gp n thi im hin ti ca Banknetvn ln 126 t ng. Cng ty c Ngn hng Nh nc cp giy php Hot ng dch v thanh ton s 06/NHNN-GP ngy 09/07/2004, cho php Cng ty c hot ng kinh doanh trong lnh vc cung ng cc dch v thanh ton lin quan n vic pht hnh, chp thun, thanh ton th ngn hng, th thanh ton v cc hot ng khc c lin quan. Cng ty c S K hoch v u t Thnh ph H Ni cp Giy chng nhn ng k kinh doanh s 0103004894 ngy 14/07/2004. Banknetvn c thnh lp vi mc tiu chnh l xy dng h thng chuyn mch ti chnh quc gia nhm kt ni cc h thng thanh ton th ni chung, h thng ATM/POS ni ring ca cc ngn hng Vit Nam. Vic kt ni ny s to iu kin cho cc ngn hng thnh vin c kh nng m rng mng li dch v ca mnh vi u t hp l, trnh c vic u t trng lp ca cc ngn hng cho h thng c s h tng v mng li cc thit b u cui trn phm vi ton quc. Page 18 of 43

Banknetvn c t chc hot ng theo m hnh ca mt cng ty c phn, tun theo Lut Doanh nghip Vit Nam. C cu t chc ca Cng ty bao gm i hi ng c ng, Hi ng Qun tr, Ban kim sot v Ban iu hnh. Cng ty c 6 phng chc nng. Da trn nn tng cng ngh thanh ton in t tin tin v cc dch v c th trong lnh vc chuyn mch cc giao dch th lin ngn hng, cc hot ng kinh doanh ca Banknetvn nhm thc y s pht trin ca cc dch v da trn th ngn hng Vit Nam, to iu kin cho ngi dng th c th thc hin giao dch mi lc, mi ni Vit Nam cng nh trn ton cu. i vi cc ngn hng, dch v kt ni chuyn mch ca Banknetvn to ra mi trng cnh tranh bnh ng cho tt c cc ngn hng thnh vin trong vic pht trin th thanh ton theo chin lc ring ca tng ngn hng. Cc dch v chuyn mch th do Banknetvn cung cp khng cnh tranh v li ch v phm vi cung cp dch v vi cc ngn hng thnh vin. i vi ngi s dng th (ch th) th vic kt ni v chia s s dng mng li ATM/POS ca cc ngn hng thnh vin s mang li s tin li, cho php ch th c th thc hin giao dch ti tt c cc im chp nhn th trong mng li ca Banknetvn. thc hin c mc tiu kt ni chuyn mch vi cc ngn hng v vi cc t chc th, Cng ty C phn Chuyn mch Ti chnh Quc gia Vit Nam lun duy tr s phi hp, chia s kin thc, kinh nghim vi cc ngn hng thnh vin, hp tc vi cc t chc th trong nc v quc t theo tinh thn bnh ng, pht trin v cng c li. 1.1 Dch v chuyn mch th ATM/POS 1.1.1 Chuyn mch th ni a H thng Chuyn mch Banknetvn l mt h thng trung gian vi mc tiu ln nht ngay t khi thnh lp l kt ni tt c cc h thng thanh ton th ATM/POS ca cc ngn hng thnh vin Banknetvn ni ring v tt c cc ngn hng Vit Nam ni chung thnh mt mng chung chia s trn phm vi quc gia nhm em li s tin li, an ton nht cho ngi tiu dng thanh ton khng bng tin mt.

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Dch v chuyn mch ATM v POS ca Banknetvn cho php khch hng thc hin giao dch hoc chi tiu ti tt c cc ATM v POS ca cc ngn hng thnh vin thuc h thng chuyn mch Banknetvn v ti cc ngn hng thuc h thng chuyn mch m Banknetvn c kt ni lin thng nh Smartlink hay VNBC. 1.1.2 Chuyn mch th ATM/POS khu vc v quc t Khng ch kt ni, lin thng cc h thng thanh ton trong nc Banknetvn cn vn xa kt ni ra cc t chc chuyn mch, thanh ton khu vc v quc t. n nay Banknetvn kt ni ti t chc thanh ton China Union Pay (CUP), cho php nhng ch th ngi Trung Quc khi sang Vit Nam c th giao dch trn cc my ATM ca cc ngn hng thuc h thng Banknetvn. Khng dng li , Banknetvn cng ang trong qu trnh m phn vi cc i tc nh MEPS (Malaysia) v c nhng tha thun ghi nh hp tc vi cc t chc trong khu vc khc nh Bancnet (Phillipines), NETs (Singapore) khng ngng m rng mng li chp nhn th thanh ton cho cc ngn hng thnh vin ca mnh. Vic tr thnh mt Trung tm x l giao dch th ba cho cc t chc th quc t ln ti Vit Nam nh Visa International, American Incorporated cng l mt mc tiu m Banknetvn ang hng n trong thi gian sp ti.

2. Cng ty C phn Dch v Th SmartLink - Smartlink

c thnh lp vo thng 04/2007 v chnh thc i vo hot ng t thng 10/2007, Cng ty C phn Dch v Th SmartLink (Smartlink) - tin thn l lin minh th Ngn hng thng mi c phn Ngoi thng VN, do Ngn hng thng mi c phn Ngoi thng VN v 15 Ngn hng thng mi c phn sng lp, khng nh s gn kt gia cc ngn hng nhm tng cng v m rng mi quan h hp tc a phng, lin kt pht trin v thc y cc dch v thanh ton khng dng tin mt, phc v cc n v cung ng hng ho dch v mt cch chuyn nghip theo ch o ca Th tng Chnh ph v Ngn hng Nh nc VN. Hin ti, Smartlink ang vn hnh mt h thng x l thng tin vi 25 ngn hng thnh vin tham gia, trong 21 ngn hng trin khai kt ni thnh cng v hot ng n nh vi s lng x l trung bnh ca h thng t trn 400.000 giao dch/ ngy, s lng th pht hnh Page 20 of 43

t gn 4 triu th v c chp nhn thanh ton ti hn 2.500 ATM v trn 15.000 n v chp nhn th trn ton Vit Nam.

S mnh: Qun l v vn hnh h thng thng tin Smartlink thc hin truyn dn, trao i v x l trung gian cc giao dch ti chnh v phi ti chnh thc hin qua cc knh in t kt ni gia ngi tiu dng vi cc n v cung ng hng ha, dch v, cc ngn hng thnh vin v cc t chc khc, quyt tm to ra cc tin ch v gi tr ln nht cho ngi tiu dng ng thi thc y pht trin thanh ton khng dng tin mt ti Vit Nam. Tm nhn: Vi u th v h thng k thut cng ngh tin tin, t chun quc t, s lng ln cc ngn hng thnh vin tham gia v mng li a dng cc i tc cung cp dch v, tm nhn chin lc ca Smartlink l Tr thnh nh cung ng gii php thanh ton in t hng u ti Vit Nam, kt ni cc ngn hng vi cc n v cung ng hng ha dch v trn h thng a knh, a phng tin vi tiu chun k thut v vn hnh quc t nhm a li mt h thng sn phm cht lng v hin i cho khch hng ca cc thnh vin .

3. Cng ty C phn Th thng minh Vi Na - V.N.B.C. JSC

Cng ty C phn V.N.B.C c thnh lp vo ngy 25/10/2008 nhm p ng cc nhu cu bc thit v cc sn phm v gii php cng ngh cao cho ngnh ti chnh ngn hng. Kinh doanh trn 4 lnh vc chnh: H thng chuyn mch VNBC Page 21 of 43

 Dch v chm sc bo dng ATM Cung cp Gii php Thit b cho ngnh Ti chnh Ngn hng Cng thanh ton trc tuyn V.N.B.C. V.N.B.C. hin ang qun l h thng kt ni gia 10 ngn hng v 01 cng ty thnh vin (tp on Mai Linh) vi mng li hn 1.800 my ATM, 2.000 my POS ph rng khp cc tnh thnh trong c nc, phc v hn 5 triu ch th Vit Nam v quc t. Cc thnh vin ca h thng VNBC bao gm DongA Bank, HabuBank, SaigonBank, CommonwealthBank, GP.Bank, DaiA Bank, MaiLinh Group, MHB, ANZ, Citibank v UOB. Trong k hoch pht trin ca mnh, V.N.B.C. u tin tp trung pht trin nhiu hn na cc tin ch, ng dng trn nn ATM, POS v giao dch trc tuyn nhm a dng ha cc loi hnh giao dch, y mnh loi hnh thanh ton khng dng tin mt. V.N.B.C. t ho lin kt vi cc i tc chin lc nh China Union Pay, IBM, Euronet, GRG Banking, MDS, Hin ti Cng ty C phn Th Thng minh Vi Na c Tr s chnh ti TpHCM v VPD ti H Ni, cng ty cng ang c k hoch pht trin mng li trn khp c nc. S MNH V.N.B.C. vn ti v tr hng u bng vic cung cp cc sn phm v gii php vi cng ngh hin i v ti u nht cho khch hng vi cht lng dch v hon ho. V.N.B.C m rng vic phi kt cc ngun lc v s hp tc theo cch thc sng to v cng bng nhm to ra nhng gi tr cao nht cho nhn vin, khch hng, i tc v c ng. TM NHN V.N.B.C. s tr thnh cng ty cng ngh hng u ti Vit Nam trong lnh vc cung cp cc dch v, thit b v gii php cho ngnh ti chnh - ngn hng v cc ngnh khc c lin quan.

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Chng 6: Mt s giao dch c bn trn ATM/POS

1. Giao dch ATM:
+ + Rt tin (Cash withdrawal) i PIN (Change PIN)

+ Vn tin s d (Balance Inquiry) + In sao k rt gn (Mini statement) + Chuyn khon (Funds transfer)

2. Giao dch POS:

+ + + + + + + + + Mua bn hng ha (Purchase) ng tin mt (Cash) Vn tin (Balance Inquiry) Chuyn khon (Fund Transfer) Giao dch xc minh (Pre Authorization) Hon tt giao dch xc minh (Complete Pre Authorization) Thay i gi tr giao dch (Adjust) Hon tr (Refund) Hy giao dch (Void)

3. Thanh ton ha n
Dch v ny to iu kin cho ngi tiu dng c th thanh ton cc loi ha n tr sau mt cch nhanh chng, tin li, an ton m khng phi dng n tin mt v khng phi tn thm bt k chi ph no. iu kin khch hng tham gia dch v ny l c m ti khon ti ngn hng v c ng k dch v vi cng ty cung ng dch v hoc ng k dch v ti ngn hng. Dch v thanh ton cc khon tin hng ho, dch v c tnh cht nh k cho Nh cung cp dch v. Khch hng u quyn cho Ngn hng - ni Khch hng m ti khon - t ng tr Page 23 of 43

tin trong ti khon ca Khch hng thanh ton cho Nh cung cp dch v theo ho n s dng.

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Chng 7: Nhn dng ri ro v s dng th ngn hng

C nhiu cch nhn din cng nh phn loi ri ro khc nhau, tu thuc vo tiu ch la chn. Tuy nhin, c th khi qut v tip cn di hai gc : (i), Ri ro trong hot ng Pht hnh th; (ii), Ri ro trong qu trnh s dng v chp nhn thanh ton th. 1. Ri ro trong hot ng Pht hnh th. Ngn hng pht hnh phi i mt vi nhiu ri ro khc nhau trong sut qu trnh Pht hnh th: la chn khch hng, in dp, c th ho th, gi th cho khch hng v qun l ti khon th trong qu trnh s dng. Cc ri ro trong qu trnh ny, bao gm: Gi mo thng tin Pht hnh th (fraudulent application): Khch hng cung cp thng tin khng trung thc v bn thn, kh nng ti chnh, mc thu nhp... c cp th v s dng th chim ot tin ca ngn hng (thng xy ra i vi th tn dng); Ri ro tn dng (credit risk): Ch th khng kh nng thanh ton cho khon tn dng chi tiu t th Ngn hng; Th b tht lc trong qu trnh gi th n khch hng (Mail Intercept) v tht thot d liu trong qu trnh c th ho th. 2. Ri ro trong qu trnh s dng v chp nhn thanh ton th Hot ng Thanh ton th cng tim tng rt nhiu ri ro, trong c s tham gia ca Ngn hng, ch th, n v chp nhn th v cc thit b u cui (ATM, POS...). Cc loi ri ro thng gp trong hot ng thanh ton th bao gm: n v chp nhn th (VCNT) gi mo (Fraudulen Merchant) VCNT thng ng vi ch th: nh cp d liu th s dng vo mc ch bt hp php hoc thng ng vi ch th chp nhn thanh ton th gi; Thanh ton hng ha dch v bng th qua cc phng tin vin thng qua th, in thoi, Internet: Thay i s tin trn ha n, nh cp tin trong ti khon Nhn vin VCNT in nhiu ho n thanh ton ca mt th (Multiple imprint) Cc VCNT c t l ri ro cao (High Risk Merchant): Hng ha, dch v c gi tr ln, c tnh cht d chuyn i sang tin mt; Page 25 of 43

VCNT gian ln: Thc hin giao dch khng ng loi hnh giao dch ng k, sa i s tin giao dch, khng xin chun chi theo tho thun qui nh; Ti khon ca ch th b li dng (fraudulent use of account): S dng trong mi trng thanh ton khng phi xut trnh th (thanh ton qua th/in thoi hoc thng mi in t); Ch th l s PIN Th b mt/mt trm (lost/stolen card) Th gi (counterfeit): th tht b thay i thng tin, th ch gi mo thng tin trn di bng t hoc th b sao chp lm gi hon ton. D liu bng t (skimming) hoc d liu trn ng truyn (tapping) b nh cp. 3. Ri ro trong khu vc Chu Thi Bnh Dng Theo s liu thng k gn y ca T chc Visa - khu vc, ri ro i vi hot ng thanh ton th trong khu vc nh sau: Gn 50% l ri ro th gi (counterfeit). y l loi ri ro ph bin nht vi th Tn dng v l loi ri ro chim t trng th hai vi th ghi n trong khu vc. N cng l loi ri ro chim t trng ln trong cc ri ro ca hot ng thanh ton th. Loi ri ro ny ang gia tng nhanh chng, mi lo ngi cc nc trong khu vc thng qua hnh thc n cp thng tin trn ng truyn. 27% l s li dng ti khon th trong mi trng thanh ton khng s dng th. y l s cnh bo cho cc loi giao dch gin tip khng dng th; Hin tng gian ln th ang chuyn hng sang cc nc: i Loan, Thi Lan. Cc nc nh Australia, Hng Kng u t cho vic phng nga gian ln lm gim t l ri ro trong lnh vc ny. Vit Nam, th gi mo l loi hnh ri ro ph bin nht, chim 75% tng cc loi ri ro trong Pht hnh th; V vy, cn c bit ch trng cng tc phng nga ri ro vi loi hnh ang pht trin hin nay l gi mo th bng cch n cp thng tin trn ng truyn.

Page 26 of 43

Chng 8: Mt s v tr lm vic trong lnh vc th

A. Mng kinh doanh th 1. Chuyn vin nghin cu pht trin sn phm th 1.1 M t cng vic Nghin cu v xy dng chin lc pht trin sn phm dch v th phc v hot ng kinh doanh th: Nghin cu, nh gi, phn on th trng, la chn nhm khch hng mc tiu v xy dng, i mi (bao gm vic xut) cc sn phm dch v th, dch v trc tuyn, cc dch v gi tr gia tng trn th v cc tin ch, li ch ca sn phm gia tng gi tr ph hp vi cc nhm khch hng mc tiu; Nghin cu th trng v cc sn phm th ca i th cnh tranh cng nh xu hng pht trin sn phm th trn th gii. Nghin cu v pht trin sn phm dch v th, knh chp nhn thanh ton th. Nghin cu, tm hiu v ng dng cc cng ngh th mi. Lp k hoch pht trin sn phm dch v th, phi hp vi cc n v lin quan thc hin cc chng trnh qung b khuych trng sn phm dch v th. u mi son tho ti liu v phi hp t chc o to cc Chi nhnh trn ton h thng v sn phm v dch v th; R sot, nh gi hiu qu trin khai i vi tng sn phm, dch v th v gi tr gia tng trn th thng k hoc t xut theo tnh thc t trin khai sn phm; Qun l danh mc sn phm, nh gi hiu qu sn phm v qun l vng i sn phm dch v th. Tham gia iu phi cc d n th theo yu cu. 1.2 Yu cu Tt nghip i hc chuyn ngnh Kinh t. C kh nng lp k hoch kinh doanh,v xy dng i ng/mng li bn hng; Giao tip tt, nhanh nhn, c kh nng m phn, thuyt phc. C k nng qun l v gim st kinh doanh theo doanh s/ch tiu. C kh nng thuyt trnh, o to.

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 Kh nng lm vic c lp vi cng cng vic cao; kh nng phi hp lm vic nhm tt 2. Chuyn vin pht trin mng li VCNT 2.1 M t cng vic Tm kim, khai thc v k hp ng thu a im lp t POS trn khp lnh th Vit Nam theo k hoch pht trin mng li thanh ton th ca nm; Tp hp cc thng tin cn thit ca n v chp nhn th (VCNT) hon thnh cc bc cng vic trong qu trnh pht trin thanh ton; Nghin cu, xut cc chnh sch, chng trnh cho cc VCNT v trin khai o to cc VCNT v cc chng trnh sn phm, chng trnh khuyn mi v cc chnh sch p dng; Theo di, qun l v trin khai cc chng trnh khuyn mi, gim gi ti cc VCNT bao gm: lp bo co theo di doanh s, doanh thu i l v chm sc i l; 2.2 Yu cu Tt nghip i hc chuyn ngnh Kinh t. C kh nng lp k hoch kinh doanh,v pht trin mng li th Giao tip tt, nhanh nhn, c kh nng m phn, thuyt phc C k nng qun l v gim st kinh doanh theo doanh s/ch tiu C kh nng thuyt trnh, o to. Kh nng lm vic c lp vi cng cng vic cao; kh nng phi hp lm vic nhm tt.. 3. Chuyn vin pht trin kinh doanh th 3.1 M t cng vic Phn tch nh gi th trng th; Xy dng v lp k hoch kinh doanh th thng, qu, nm. Page 28 of 43

 Xy dng v t chc cc chng trnh khuyn mi, chm sc khch hng, qun l truyn thng i vi sn phm dch v th. Xy dng v t chc cc chng trnh truyn thng qung b sn phm dch v th; Qun l bn hng theo tng sn phm dch v th; Xy dng v qun l cc knh phn phi sn phm dch v th 3.2 Yu cu Tt nghip H chnh quy chuyn ngnh Kinh t K nng phn tch, nh gi, tng hp. u tin ng vin c th s dng cc phn mm thit k (photoshop, corel draw). u tin ng vin c kinh nghim trong lnh vc marketing, c bit Marketing ngn hng, 4. Chuyn vin pht trin th ti Chi nhnh 4.1 M t cng vic H tr chuyn vin Quan h khch hng ti chi nhnh thc hin ch tiu Th, POS v pht hnh th Tip nhn v gii quyt cc yu cu ca khch hng lin quan n cc loi th, POS Qun l v chm sc cc n v chp nhn th: hng dn v gii quyt cc s c cho cc n v chp nhn th 24/7; hng dn khch hng s dng POS, thu ha n thanh ton th, cung cp chng t tra sot v lu tr ha n POS Theo di chm i chiu v x l cc ti khon lin quan n Th ti chi nhnh Qun l v thc hin cc cng tc trong vic pht trin mng li ATM, bo qun, v sinh my, sa cha khc phc s c 4.2 Yu cu

Page 29 of 43

 Tt nghip i hc chnh quy Hiu bit v cc sn phm, dch v ngn hng Am hiu v sn phn dch v Th, POS, tr lng qua ti khon v cc biu ph lin quan Thnh tho tin hc vn phng Ting anh C. u tin nam 5. Chuyn vin Marketing th 5.1 M t cng vic Phn tch xu hng ca th trng th hin nay v a ra phng hng pht trin cho sn phm dch v th ca NH Phn tch im mnh im yu ca sn phm th, dch v th ca NH a ra chnh sch ph vi tng loi sn phm dch v th; a ra Chnh sch Marketing, khuyn mi, chm sc ch th, VCNT. u mi vi Phng/Ban truyn thng thc hin cc chin dch truyn thng v th. 5.2 Yu cu Tt nghip H chuyn ngnh Marketing, quan h cng chng, chuyn ngnh c lin quan. S dng ting Anh thnh tho trong giao tip. Nhanh nhn, trung thc, cn thn, chm ch T duy lgic, c kh nng phn on x l tnh hung. C ging ni chun, khng ni ngng, khng ni lp, khng ni ging a phng. 6. Chuyn vin chm sc, h tr khch hng 6.1 M t cng vic

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 H tr khch hng, n v chp nhn th qua in thoi, e-mail, internet... X l cp php/xin cp php giao dch thanh ton th. Thc hin chm sc, iu tra khch hng s dng dch v th qua in thoi, email, internet.... Tham gia xy dng vn bn ch v o to. 4.2 Yu cu Tt nghip H chnh quy khi cc trng Ngoi ng, Kinh t trong v ngoi nc. K nng giao tip, thuyt phc khch hng, tr li in thoi. S dng ting Anh thnh tho trong giao tip. Nhanh nhn, trung thc, cn thn, chm ch T duy lgic, c kh nng phn on x l tnh hung. C ging ni chun, khng ni ngng, khng ni lp, khng ni ging a phng. B. Mng nghip v pht hnh, thanh ton, tra sot. 7. Chuyn vin pht hnh th 7.1 M t cng vic Thc hin cc cng tc lin quan n pht hnh th cho ton h thng Gii quyt ton b yu cu tr gip khch hng lin quan n vic s dng th cho ton h thng Gim st, h tr CN thc hin pht hnh th v tr gip khch hng ng quy trnh nghip v Tham gia xy dng quy trnh, ti liu hng dn nghip v lin quan n pht hnh th. 7.2 Yu cu Tt nghip i hc chnh quy khi kinh t Page 31 of 43

 Hiu bit v dch v th Ngn hng Hiu bit v Nghip v Pht hnh th Hiu bit v k ton Ngn hng Hiu bit v cc sn phm dch v ca Ngn hng Kin thc v sn phm dch v Ngn hng c bit l v sn phm dch v th Tun th php lut K nng giao tip qua in thoi Cn thn, chu o v sng to trong cng vic. C kh nng chu p lc ln trong cng vic Ting Anh C, thnh tho tin hc vn phng 8. Chuyn vin thanh ton th 8.1 M t cng vic Thc hin i sot v x l d liu giao dch th tn dng Outgoing v Incoming vi t chc th quc t. i chiu cn i cc ti khon ATM cn qu ti cc my ATM. Tra sot i chiu cc giao dch ca ch th ti my ATM, kim sot thanh ton th gia NH mnh v cc Ngn hng khc. Hch ton thanh ton cho cc n v chp nhn th. Thc hin tra sot, i chiu tnh hnh thanh ton ti n v chp nhn th Cung cp thng tin cn thit cho vic tra sot, khiu ni, Chargeback theo yu cu ca cc t chc th Quc t, cc ngn hng khc v ch th. Theo di, kim tra, h tr, hng dn chi nhnh nghip v thanh ton th. 8.2 Yu cu Tt nghip i hc chnh quy chuyn ngnh k ton Hiu bit v nghip v th v cc sn phm th. Am hiu cc quy nh php lut v hot ng th. Am hiu v nghip v thanh ton th quc t.

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 Kin thc v sn phm, dch v Ngn hng ni chung v sn phm dch v th ni ring C. Mng nghip v qun l ri ro v x l tranh chp 9. Chuyn vin qun l ri ro th 9.1 M t cng vic Nghin cu v xy dng cc quy trnh, quy nh, hng dn QLRR hot ng th trn ton h thng m bo tun th quy nh ca NHNN, cc TCTQT, hn ch ri ro th. Nghin cu, lp k hoch v trin khai cc chng trnh, gii php QLRR hot ng th Theo di v gim st tun th QLRR hot ng th ton h thng Theo di cc ti khon v cc giao dch th ca khch hng c ri ro cao v tin hnh x l hn ch cc ri ro ny Theo di, tip nhn, pht hin v x l kp thi cc cnh bo v ri ro Tin hnh o to v xy dng hng dn QLRR hot ng th cho h thng v khch hng Lm vic v phi hp vi cc ngn hng, t chc th v cc c quan c thm quyn iu tra, gii quyt cc vn lin quan n ri ro th 9.2 Yu cu Tt nghip i hc chnh quy khi kinh t Hiu bit v dch v th Ngn hng Hiu bit v Nghip v qun l ri ro th Hiu bit v cc sn phm dch v ca Ngn hng Kin thc v sn phm dch v Ngn hng c bit l v sn phm dch v th K nng giao tip qua in thoi Cn thn, chu o v sng to trong cng vic. C kh nng chu p lc ln trong cng vic Page 33 of 43

 Ting Anh C, thnh tho tin hc vn phng 10. Chuyn vin x l tranh chp 10.1 M t cng vic Thc hin x l tranh chp i vi cc giao dch th pht hnh v thanh ton trn h thng. Tip nhn, x l yu cu tra sot, khiu ni ca ch th t CN. Thc hin Yu cu xut trnh chng t, i bi hon. Tip nhn v gii quyt cc yu cu xut trnh chng t t NHPH. Kim tra chng t ca VCNT m bo hp l, Xut trnh chng t cho NHTT. Yu cu ha gii v trnh ln trng ti, thc hin theo phn quyt ca trng ti TCTQT. Lp h s theo di chi tit tnh hnh gii quyt tra sot theo tng giao dch. Xy dng quy trnh, hng dn nghip v x l tranh chp m bo tun th quy nh ca TCTQT o to v hng dn nghip v tra sot th cho ton h thng Qun l h s i vi giao dch tra sot 10.2 Yu cu Tt nghip i hc chnh quy khi kinh t Hiu bit v dch v th Ngn hng, hiu bit v k ton. Hiu bit v cc sn phm dch v ca Ngn hng Kin thc v sn phm dch v Ngn hng c bit l v sn phm dch v th K nng giao tip qua in thoi Cn thn, chu o v sng to trong cng vic. C kh nng chu p lc ln trong cng vic Ting Anh C, thnh tho tin hc vn phng D. Mng nghip v vn hnh h thng 11. Chuyn vin qun l vn hnh CMS Page 34 of 43

11.1 M t cng vic Qun l vn hnh v khai thc h thng CMS p ng yu cu nghip v th v m bo h thng CMS hot ng n nh, an ton, chnh xc. Phi hp TT CNTT thc hin chng thc, cp nht h thng qun l th, thit b chp nhn th tun th quy nh ca cc TCTQT. Tham gia xy dng v qun l h thng th. Cc vn lin quan n h thng v k thut, ng truyn, my ch server ATM, switch ATM, gateway ATM, bo mt, lu tr(backup d liu). Trin khai cc ng dng, cc dch v trn h thng th. Trin khai cho cc chi nhnh: ci t, h tr k thut, lin quan n th. Nghin cu, pht trin ng dng theo yu cu pht trin kinh doanh. Nghin cu ng dng v mt k thut CNTT vo th. H tr v mt k thut trong vic x l nghip v hng ngy Cp nht h thng cc yu cu ca nghip v th (cp nht BIN mi, cc mc ph,) u mi xy dng chng trnh qun l hot ng th 11.2 Yu cu Tt nghip i hc chnh quy Chuyn ngnh k thut Am hiu v k thut Hiu bit v cc sn phm dch v ca Ngn hng, c bit l dch v th K nng gii quyt vn phc tp K nng giao tip qua in thoi K nng lm vic nhm K nng s dng my tnh Cn thn, chu o v sng to trong cng vic. C kh nng chu p lc ln trong cng vic. Bng C ting Anh, thnh tho tin hc vn phng 12. Chuyn vin dch v ATM ti Chi nhnh

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12.1 M t cng vic Qun l, tip qu v vn hnh h thng my ATM H tr cc n v/chi nhnh trong vic trin khai h thng my ATM ti cc a bn c phn cng qun l. Thc hin lin h lin kt qung co vi cc i tc bn ngoi: cho bn qung co trn mn hnh ATM v ho n ATM. Phi hp vi cc n v khc trong vic trin khai u t h thng ATM. 12.2 Yu cu Tt nghip i hc chnh quy chuyn ngnh v k thut. u tin c kin thc v k thut th, Hiu bit v cc sn phm, dch v ngn hng Ting anh nghe, ni, c vit tt Kh nng chu p lc cng vic cao. u tin nam 13. Chuyn vin in th v vn hnh phn mm qun l th 13.1 M t cng vic Thc hin in th cho ton h thng theo ng quy trnh pht hnh th ghi n ni a v in th chip cho th quc t theo chun EMV. Qun l my in th v thc hin bo tr, bo dng my in Qun l, khai thc v lin tc cp nht cc phin bn mi vo chng trnh phn mm qun l th (CMS), nhp cc thng tin ca cc n v chp nhn th vo h thng CMS ng k lm i l vi T chc th quc t. Thc hin ci t cc thng s k thut ca phn mm POS ln h thng qun l POS trn CMS. Thc hin ci t cc thng s ATM ln h thng phn mm qun l ATM ca CMS, theo di cc giao dch POS c cp nht v h thng CMS v pht hin cc li h thng chuyn cho b phn nghip v x l. Page 36 of 43

13.2 Yu cu Tt nghip i hc chnh quy chuyn ngnh CNTT/Tin hc. u tin c kin thc v k thut th, Hiu bit v cc sn phm, dch v ngn hng Ting anh nghe, ni, c vit tt Kh nng chu p lc cng vic cao. u tin nam E. Mng cng vic lin quan n th tn dng quc t 14. Chuyn vin thm nh h s th tn dng 14.1 M t cng vic Xem xt, kim tra h s ng k PHT tn dng t CV Thm nh CN, yu cu b sung thm h s (nu cn) Nghin cu h s KH, phng vn KH v cc i tng lin quan thu thp cc thng tin cn thit; Trong cc trng hp c bit, i thc t thm nh v tnh chnh xc ca cc thng tin do KH cung cp Tin hnh thm nh, nh gi KH theo cc tiu ch do NH quy nh Xp hng KH theo tiu ch chm im tn dng ca NH xut phng n cp tn dng i vi KH pht hnh th tn dng da trn kt qu chm im xp hng KH v cc quy nh khc ca NH Trnh h s ln cp c thm quyn xem xt, ph duyt HMTD 14.2 Yu cu Tt nghip i hc chnh quy khi kinh t Hiu bit v dch v th Ngn hng, hiu bit v quy trnh tn dng Hiu bit v cc sn phm dch v ca Ngn hng Cn thn, chu o v sng to trong cng vic. C kh nng chu p lc ln trong cng vic 15. Chuyn vin th tn dng tiu dng Page 37 of 43

 Thc hin tip th dch v th v cc sn phm bn l n cc t chc, cng ty l khch hng hin ti hoc tim nng ca ngn hng nh k trc tip i tip th cc khch vng lai ti cc im c lu lng ngi qua li ln Tip th v m rng i l pht hnh th ca NH Bn cho cc sn phm bn l. Theo di v qun l cc n v chp nhn th ca NH. 16. Chuyn vin qun l thu hi n Theo di qun l cc khon vay tn dng khch hng c nhn Nhc n khch hng, m bo thu hi n vay Thng bo cc chi nhnh, Trung tm v cc khon n phi thu hi Phi hp vi cc n v c lin quan v vic thu hi n

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Chng 9: Mt s kin thc nng cao v th

1. Chun bo mt PCI DSS PCI DSS c a ra bi PCI Security Standards Council (bao gm cc thnh vin l cc t chc th quc t: Visa Inc, MasterCard Worldwide, American Express, Discover Financial Services, JCB International). Mc ch ca PCI DSS bo m an ton cho d liu th khi c x l v lu tr ti cc ngn hng hoc doanh nghip thanh ton. PCI DSS gip a ra nhng chun mc v bo mt thng tin th v c p dng trn ton cu. PCI DSS l l mt h thng cc yu cu p ng cc chun mc v an ninh, chnh sch, quy trnh, cu trc mng, h thng phn mm v mt s yu t khc. Tp hp cc chun mc ny nh hng cho cc ngn hng hoc doanh nghip v thanh ton m bo an ninh cho d liu ca th thanh ton. Bn cht ca PCI DSS l mt tp hp nhng nguyn tc v yu cu lin quan ti nhng vn sau: Xy dng v duy tr h thng mng bo mt Yu cu 1: Xy dng v duy tr h thng tng la bo v d liu th. Yu cu 2: Khng s dng cc tham s hoc mt khu c sn t cc nh cung cp h thng. Bo v d liu th thanh ton Yu cu 3: Bo v d liu th thanh ton khi lu trn h thng Yu cu 4: M ha thng tin th trn ng truyn khi giao dch. Xy dng v duy tr an ninh mng Yu cu 5: S dng v cp nht thng xuyn phn mm dit Virus Yu cu 6: Xy dng v duy tr h thng v ng dng m bo an ninh mng. Xy dng h thng kim sot xm nhp

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Yu cu 7: Hn ch tip cn vi d liu th thanh ton Yu cu 8: Cp v theo di cc ti khon truy nhp h thng ca nhn vin Yu cu 9: Gii hn cc phng php tip cn vt l vi d liu th Theo di v nh gi h thng thng xuyn Yu cu 10: Kim tra v lu tt c cc truy nhp vo h thng v d liu th Yu cu 11: Thng xuyn nh gi v th nghim li quy trnh an ninh h thng Chnh sch bo v thng tin Yu cu 12: Xy dng chnh sch bo v thng tin

2. Chng trnh 3D Secure 3D Secure l cng ngh da trn XML vi mc ch tng thm mt lp bo mt cho cc giao dch trc tuyn. 3D Secure c nghin cu v pht trin bi t chc th quc t Visa v c gii thiu vo nm 2004. Chng trnh 3D Secure ti Visa c t tn l Verified by Visa, MasterCard l MasterCard SecureCode v JCB l J-Secure. Trc khi c 3D Secure Khch hng/ ch th mua hng ha, dch v ca mt nh cung cp thng qua Internet v yu cu chuyn hng n mt a im bt k. Sau khi mua, khch hng/ ch th c th n ngn hng pht hnh v khiu ni vi l do khng thc hin giao dch. Lc ny, nh cung cp s nhn c t pha ngn hng thanh ton yu cu tra sot giao dch gi mo. a s cc trng hp, nh cung cp phi tr li tin cho khch hng/ ch th d hng ha c chuyn i. Trng hp cn li, cc ngn hng s bt buc khch hng phi tr tin khi nh cung cp c cc chng t giao hng hp l. Sau khi c 3D Secure Theo thng k ca cc t chc th quc t, ti hn 95% cc khiu ni u c l do ch th khng thc hin giao dch. Cc khiu ni s c chia ra x l v 3D Secure thc hin iu chnh cc khiu ni vi m khng thc hin giao dch. Khi nh cung cp dch v v ch th ng k tham gia vo 3D Secure, ton b ri ro v th gi hoc th s dng khng hp php u do ngn hng pht hnh hoc ch th gnh chu (tham kho Rules for Visa merchant v

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MasterCard merchant Rules Manual). Trong trng hp ch c mt bn tham gia 3D Secure th bn tham gia s c li th khi gii quyt cc tranh chp lin quan. Bng sau y m t v quyn li ca cc bn cng nh trch nhim chu ri ro trong mt s trng hp gii quyt tra sot khiu ni trong chng trnh 3D Secure.
Doanh nghip Khng C C C Khng Ngn hng pht hnh C C C Khng Khng Ch th C C Khng Khng Khng Trch nhim chu ri ro Doanh nghip Ch th phi chu Ch th phi chu Ri ro nghing v ngn hng pht hnh Ri ro nghing v doanh nghip

3. Nguyn tc bo v th thanh ton Khi thanh ton qua mng Internet hay mt s hnh thc thanh ton khng xut trnh th khc, ch cn c c cc thng tin th v thng tin c nhn ca ch th th bt k ai cng c th thc hin thanh ton cho hng ha, dch v. y l nguyn nhn lm pht sinh cc loi ti phm la o tn dng. Bn c th t bo v mnh khi la o tn dng bng cch thc hin nhng nguyn tc sau: ng bao gi tit l s PIN ca bn cho bt k ai, k c bn b, gia inh, nhn vin ca cc t chc ti chnh hoc cc c quan thi hnh lut. th ghi n ca bn ti mt ni an ton v ng bao gi cho ai mn. Nu bn nghi ng c ngi bit s PIN ca bn, thay i n ngay lp tc hoc lin h vi t chc tn dng ca bn hy b th. Ghi nh s PIN ca bn, c gng trnh vit n ra v trong trng hp phi lm iu th phi m bo rng n c ct gi cn thn, v d nh sp xp s Pin xen k nhng s khc hoc thay th bng nhng s hoc du hiu khc, gi n

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trong mt bn ghi ca nhng thng tin khc v gi n c lp vi th tn dng ca bn. Khi chn s PIN, trnh nhng thng tin r rng, bn c th b mt tin nu dng s PIN l s in thoi, ngy sinh Nu th ca bn b mt hoc b kt trong my ATM, hoc bn pht hin ra nhng khon thanh ton bt hp php, hy thng bo cho t chc tn dng ca bn ngay lp tc. Nu nh bn mua mt hng ha m khng c trong bn k hng thng ca bn, hy i s PIN ngay lp tc v thng bo cho t chc tn dng v thng tin trn th b nh cp v bn c th l mc tiu ca bn trm. Khi mua hng ha, dch v hoc khi s dng my ATM: ng bao gi di mt khi th ca bn, t mnh thao tc (trn my c th); nu khng th th hy theo di m bo rng n khng b thanh ton hai ln. phng trng hp vi "dm qua vai" - nhiu ngi c th c c s PIN khi bn nhp vo. Dng tay v ngi bn che bn phm nhp khi nhp s PIN phng nhng ngi khc c th c c. Ch thc hin nhng hot ng chuyn khon bng th ghi n ni v khi bn cm thy an ton. Nu mt ngi no lm bn mt tp trung ti mt my ngn hng (ATM chng hn), hon tt vic bn ang lm v ly th ca bn trc khi ni chuyn vi h. Sau khi hon tt vic chuyn khon, nh ly li th v ha n ca bn. 4. Mi su mo hn ch gian ln th tn dng 1. Lun gi th bn mnh khi ri khi nh. 2. Kim tra k bn sao k ca ngn hng m bo khng c giao dch nghi vn. 3. ng nhp bng cng ngh Verified by Visa hoc MasterCard SecureCode, gip ngn chn hu ht hnh vi truy nhp ti khon trc tuyn tri php. 4. Khng nhn vin ca ca hng hoc nh hng che tm nhn ca bn i vi chic th khi thanh ton.

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5. Hy ton b ti liu, bn sao k hoc ha n c chc thng tin ti chnh c nhn bi mt tay gian ln qu quyt c th gy ra rt nhiu thit hi vi ch mt chic ha n th tn dng. 6. Khng nh ngi khc rt tin h. Khng bao gi c vit ra m PIN, mt khu hoc usernam. 7. Khi nhp m PIN ti ATM nn ly tay che bn phm chn nhng nh mt soi mi hoc camera b mt. 8. K tn vo th ngay khi nhn c. 9. Khi b chic th ht thi hn s dng i, hy ct n ra. Phi chc chn rng bn ct ngang di t hoc con chip. 10. Ch ti thi hn s dng ca chic th. Nu chic th thay th khng n ng thi im chic th c ht hn, hy gi ngay ti ngn hng hoc nh pht hnh th kim tra thi gian gi chic th mi i. 11. Tht cn thn khi khai bo thng tin c nhn trn mt trang web, e-mail, IM, chatroom, message board, c bit l khi bn cm thy khng yn tm. Bn c quyn thc mc nhng thng tin ny c s dng nh th no. 12. c quy ch bo mt (privacy statement). 13. ng ti khon th tn dng b tn cng ngay lp tc. 14. Kim sot cc bn sao k th tn dng. 15. Trao i vi thit ch ti chnh ca bn v mi hot ng bt thng ti khon ca bn. 16. Theo di cht ch cc du hiu ca mnh li n cp nh danh: ha n n mun hoc b mt; c nhn nhng chic th tn dng m bn khng ng k; b t chi tn dng hoc c ngh nhng khon t u i hn m khng c l do r rng; nhn c thng bo v nhng khon mua hng m bn khng thc hin. Ngun: Card Protection Plan Limited v Cybersafe Malaysia

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