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V IN T - XU HNG HAY NHU CU THIT YU !

Trong bi cnh khoa hc cng ngh thng tin pht trin nh v bo v tin trnh hi nhp kinh tqc t !ang "i#n ra $%nh $&' vic ()t hin cc ph*ng tin v "+ch v, thanh ton $-i' hin!%i nh th. ng/n hng' thanh ton qa int0rn0t' !in tho%i "i !ng ! thnh $t ( th t)t 1 v

2$ ()t hin $t 3 t4 ch5c ch16n $n cng c)p cc gii php v "+ch v, h7 tr8 cho ho%t!ng thanh ton c9a cc ng/n hng th*ng $%i: Trong $t cc kho 3t on2in0' c; trong3 ?@ tri ngAi 3B ",ng int0rn0t ! tCng !a ra q1t !+nh $a hng qa $%ng v 2Da chnph*ng th5c thanh ton on2in0: EiF !; cho th)1' nh cG thanh ton on2in0 trH n6n ph4 bin vvI !in tC 2 ph*ng th5c thanh ton khng th thi: J1 Thanh Ton Th*ng K%i hoLc JI !intB 2 g M

JI !in tC N ra !Ai vo nO$ P@@= trong bi cnh th+ trAng th*ng $ai !ang cGn g)p nhQng cngc, thanh ton phR h8p' vI !in tB !8c kS vng gip ngAi $a v ngAi bn kt ni nhanhch;ng: U)t hin t%i Jit Va$ trong vWng < nO$' 3ong vI !in tB vXn 2 hnh th5c $-i 2% v-i !a3 ngAi ti6 "Rng: V;i $t cch !*n gin' vI !in tB 2 $t ti khon !in tB' n; 3B ",ng nh

$t vI tiFn c9a b%n tr6n int0rn0t' gip b%n thanh ton cc khon phI tr6n int0rn0t hoLc qa !intho%i' !*n gin v tit ki$ thAi gian 2Xn tiFn b%c: Th0o gi-i cng ngh th v-i "%ng ti khonn1' ngAi "Rng khng cGn cG$ th0o nhQng chic vI "1 c$ tiFn $Lt ha1 c ch,c 2o%i th. ng/nhng $ chY cGn $t chic !in tho%i "i !ng: ZD thn tin n1 $H ra $t th+ trAng tiF$nOng ' n; khin cc "oanh nghip khng th 2$ ng* tr-c $ing bnh ngon n1: Trong thAib4i hin !%i h;a' vI !in tB !;ng vai trW thit 1 trong vic pht trin th*ng $%i !in tB' n;!0$ 2%i nhQng 28i Ich cho ngAi $a' ngAi bn' ng/n hng v ( hi:

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J 2 th+ trAng tiF$ nOng' $t $ing bnh $ $t ngAi' $t "oanh nghip ha1 $t ng/nhng c; th !c chi$' !iF !; ! trH thnh $t cc chin giQa cc "oanh nghip' ng/n hngtrong vic pht hnh cc 2o%i vI !in tB ! c g[ng chi$ !8c th+ phGn 2-n nh)t n1 cng nhanhcng tt: TInh tC nO$ P@@\' Vg/n hng Vh n-c ! c)p ph]p thI !i$ "+ch v, vI !in tB cho ^cng t1N Ji0t_nion `a1oo' KobiJi' Z$art2ink' JVa1' Jinaa1 v KZ0rvic0: dhY trong $tnO$ ho%t !ng' khong e@:@@@ vI !in tB ! !8c $H' trong !; a1oo `c9a Ji0t_nion c; 328ng nhiF nh)tN h*n ?P:@@@ vI' tip !; 2 JVa1 v-i h*n ?@:@@@ vI v KobiJi tr6n e:@@@vI: En ci nO$ P@@\ ! c; \ Vg/n hng Th*ng $%i kf kt v trin khai "+ch v, vI !in tB'@ !*n v+ ch)p nhn thanh ton bng vI !in tBKt 3 vI !in tB trong n-c N

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KsZ0rvic0N dng t1 c4 phGn J i !ng TrDc t1n

E/1 chY 2 $t 3 vI !in tB ph4 bin v cWn r)t nhiF "%ng vI !in tB !8c c)p ph]p trong giai!o%n thB nghi$ v 3& ra $[t trong thAi gian gGn nh)t: EiF na1 cho th)1 $t $i trAng c%nh

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Th) hi nh cG n1' cc vI !in tB KoKo' a1oo ha1 Kobi JI !8c thit k nh $t ngAitr8 2f thng $inh' h7 tr8 v 2$ gip b%n nhQng cng vi6c 2i6n qan !n thanh ton h;a !*n

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wng ",ng 3& tD !ng nh- ton bcc h;a !*n $ b%n ! thanh ton: %n c; th 2Da chnthanh ton $t 2c nhiF "+ch v, hng thng v-i chY $t c nh)n: %n khng cGn nh/p 2%i 3h;a !*n thanh ton' 3 tiFn cGn thanh ton cho cc 2Gn 3a v 5ng ",ng 3& tha1 2$ ht t)t c: V;3& tD 2i6n h6 v-i cc !*n v+ cng c)p "+ch v, ! (c nh/n 3 tiFn cGn thanh ton:

%n q b/n rn v khng c; thAi gian ! nh- khi no phi thanh ton cc h;a !*nM V; 3& tD!ng nh[c b%n thanh ton cc "+ch v, hng thng: wng ",ng n1 3& thng bo 3 tiFn v thAigian thanh ton cc "+ch v, hng thng th0o 16 cG c9a ch9 nh/n' chInh 2 b%n:T%i Jit Va$ c; gGn @ 5ng ",ng vI !in tB !8c c)p ph]p ho%t !ng' nhng vI !in tB no !ang

ho%t !ng $%nh v pht trin tt !F c; chng $t $X 3 2 cng c)p !8c nhiF "+ch v, vtin Ich' n khng 3& chY x2yt !ytz phIa 3a:

in t%i KoKo !ang n[$ trong ta1 th+ phGn nhiF nh)t "o cng 5ng !8c nhiF 2o%i "+ch v, nhN thanh ton !in' n-c' v] $1 ba1' c-c phI int0rn0t' bo hi$' $a th. co' va1 ti6 "Rng:::

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!; t5c 2 b/1 giA !/1: J thDc t 2 3D kS vng !; b/1 giA ! v !ang trH thnh $t b t[c v n;ging nh $t bng hoa cha nH ! tn: in na1' cc cng t1 vI' n cWn 3ng' th chY 3ng $tcch thoi th;p :dWn nh- Kobi JI tCng th/$ nhp r)t 3/ vo h thng cc ng/n hng ! c; thrt ch1n tiFn tC vI vo ti khon ng/n hng $t cch "# "ng $ khng $)t phI giao "+ch' cWnnh- Vg/n |8ng h8p tc v-i a1a2 ! !0$ t-i $t chin 28c ton "in v-i thanh ton P trong cho ngAi "Rng a1a2 H Jit Va$ v phI cho $7i giao "+ch cng gi$ !i !ng k' ri ()thin th6$ nhiF cng t1 vI khcu v1 $ giA !/1 ch9 1 cc JI !in tB !F chY "Rng ! thanhton topp n%p tiFn !in tho%i' thanh ton ho !*n !in' n-cu

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C0 oa" N1"i, 20 H31 Tr* Tu45 6"71 8+4 89 83

Jic kt h8p vI vo cc $ hnh bn hng trDc t1n 2 h-ng !i $ cc "oanh nghip kinh

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C0 oa" N1"i, 20 H31 Tru4: T";1 C

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chng ti ca$ kt !0$ !n ch)t 28ng 3n ph$ v "+ch v, tt nh)t cho khch hng 3B ",ngth.' ng nh n;i:

T"5 C& )* 6"0 2i( GB GiKa F-Car V3 C0 V$ i T% 6"0

V 3o 3nh d v-i cc vI !in tB hin t%i th hG nh khng c; 3D khc bit nhiF: J !F2 $t "%ng trng gian thanh ton thng qa ng/n hng 2 $t k]t giQ tiFn' tC !; ch1n tiFn vocc vI v chng ta "Rng vI !; ! thanh ton cc 2o%i hnh "+ch v,: Ei$ khc bit "1 nh)t c9ad 3o v-i cc vI khc !; 2 chng ta c; 3}n $t 28ng khch hng to 2-n "o nh cG thanhton !in 2Dc:

Thng thAng khi t-i qG1 th !in 2Dc ! thanh ton tiFn !in ha1 thanh ton trDc t1n' khchhng phi nh- $ khch hng !8c in tr6n thng bo hoLc h;a !*n tiFn !in kS tr-c: V q6n$ang th0o thng bo hoLc h;a !*n tiFn !in' vic tra c5 thng tin th0o !+a chY h gia !nh t%iqG1 th ha1 tr6n $%ng 3& g/1 $)t thAi gian' "Xn !n tnh tr%ng q ti t%i qG1 th c9a ngnhEin:

J-i cc vI !in tB khc' b%n chY bit 3 tiFn $nh cGn phi thanh ton 2 bao nhi6 $ khng thtra c5 chi tit $nh ! 3B ",ng bao nhi6' cch tInh th no' n c; th[c $[c th cng khng th!i chi:

Th. dar" tC da1 ! gii q1t !8c v)n !F n1: Tr6n th. in r cc thng tin khch hngnhN v t6n' $ khch hng' 3 !in tho%i' 3 ch5ng $inh nh/n "/n' !+a chY: dar" 3B ",ngcng ngh !c K nhn "in khch hng tC Z' $1 tInh bng ci !Lt cc phGn $F$ do"0'ar do"0u thng tin khch hng v "Q 2i tiFn !in 3& !8c t$ ki$ nhanh ch;ng: Za khi 3B",ng th. dar" ! t$ ki$ "Q 2i tiFn !in' khch hng c; th chn cc ph*ng th5c thanhton nh tiFn $Lt' thanh ton tC ti khon vI !in tB 0ong c9a dpa1 v ti khon ng/n hng

2i6n kt: Th. dar" 3& 2i6n kt v-i ti khon ng/n hng v vI 0ong c9a khch hng ! thanhton tiFn !in $t cch an ton v nhanh ch;ng:

J-i d' b%n c; th vo 0b3it0 0ong' tra c5 khi 28ng !in nOng $nh ! 3B ",ng vin h;a !*n ra ! !i chi v-i bi6n nhn "o Ein |Dc cng c)p: 6n c%nh !;' khch hng cWn!8c chO$ 3;c bHi h thng gBi tin nh[n thng bo tiFn !in v cc thng tin 3B ",ng !in 2i6nqan t-i 3 !in tho%i c9a khch hng: lhng chY v1' khch hng 3H hQ th. dar" !8c tha$gia ch*ng trnh khch hng th/n thit tIch !i$ !4i q c9a da1: J-i $7i giao "+ch thanhton thnh cng bng JI 0ong hoLc "1 tr 3 " tr6n JI 0ong' khch hng 3& !8c tIch !i$thHng ! q1 !4i thnh q tLng' hHng cc chInh 3ch chO$ 3;c khch hng !Lc bit th0och*ng trnh da1 !a ra: dha bao giA ngAi "/n thanh ton tiFn !in 2%i c; th tIch !i$ !4i

q nh nhQng 28i Ich $ th. dar" $ang 2%i:Th0o !%i "in i Th*ng $%i Ein tB pht bi N Th+ trAng vI !in tB n;i ri6ng v trng gianthanh ton n;i chng r)t tiF$ nOng v !/1 2 $t trong cc $ao $%ch thanh ton c9a nFn kinh t:Zong' th+ trAng n1 pht trin !8c ha1 khng 2 "o tD bn th/n "oanh nghip t$ !ng !8c!Ang !i:

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dng th0o 2Ai pht bi c9a ng | ang nh' chin 28c ho%t !ng c9a da1 !n nO$ P@ecng c)p "ich v, cho h*n