Th» ng¢n h ng

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  • 1. LCH S PHAT TRIEN THE NGAN HANG Lch s the ngan hang bat nguon t viec cac ai ly ban le cung cap tn dung cho khach hang (mua hang trc, tra tien sau) . Nhieu ai ly nho khong u kha nang cung cap tn dung cho cac khach hang cua ho va ieu nay tao ieu kien cho
  • 2. Vao nam 1946, dang au tien cua the ngan hang la Charg-It cua ngan hang John Biggins xuat hien tai My. o la mot he thong tn dung cho phep cac khach hang thc hien giao dch noi a bang cac phieu co gia tr do ngan hang phat hanh. He thong nay la tien e cho viec phat hanh the tn dung ngan hang au tien cua ngan hang Franklin National,
  • 3. - Vao nam 1960, ngan hang Bank of America gii thieu san pham the ngan hang rieng cua mnh, the Bank Americard ra i. - e lien ket e canh tranh vi to chc cua Bank of America,vao nam 1966, 14 ngan hang My lien ket thanh to chc Interbank (Interbank Card Association-ICA),
  • 4. Vao nam 1967, bon ngan hang California oi ten t California Bankcard Association thanh Western States BankCard Association (WSBA). San pham the cua to chc WSBA la Master Charge. To chc WSBA cung cap phep cho to chc Interbank s dung ten va thng hieu cua MasterCharge.
  • 5. -Vao cuoi thap nien 1960, nhieu to chc tai chnh a tr thanh thanh vien cua MasterCharge va u sc canh tranh vi Bank Americard. - Vao nam 1968, Interbank m rong thanh vien ra khoi pham vi nc My, lien ket vi cac to chc tai chnh Chau Au hnh thanh the Eurocard. - Thanh vien au tien cua Nhat tham gia vao to chc Interbank vao nam 1968.
  • 6. Nam 1977, Bank Americard tr thanh Visa International. Nam 1979, Master Charge oi ten thanh MasterCard. Ngoai ra, co cac san pham the khac c hnh thanh nh American Express vao nam 1958, Diners Club vao nam 1950, JCB vao nam 1961.
  • 7. NAM 2001 2002 2003 2004* 1. The Visa 2. MasterCar d 593,111 334,871 655,821 356,859 735,296 378.529 804,431 437,730 Tong cong 927.982 1.012.6 80 1.113.82 5 1.242.16 1 Bang 1.1 - So lieu ve tnh hnh phat hanh the tren the gii n v tnh : nghn the
  • 8. 1.Khai niem: The la phng tien thanh toan khong dung tien mat, ma ngi s hu co the s dung e rut tien mat tai cac may ATM, cac quay t ong cua Ngan hang, ong thi co the s dung the e thanh toan tien hang hoa dch vu tai cac c The do cac to chc tai chnh phat hanh
  • 9. 2.Mo ta ky thuat (trang 119) The lam bang nha cng, plastique kich thc 96 mm x 54 mm x 0.76 mm PIN (Personal Identification
  • 10. MT TRC Tn NH pht hnh th Biu tng, logo S th Thi hn hiu lc Tn ch th
  • 11. VISA CARD
  • 12. The tn dung quoc te (Master)
  • 13. The tn dung quoc te(VISA)
  • 14. The ghi n quoc te
  • 15. THE GHI N QUOC TE
  • 16. Th Amex
  • 17. Th Amex
  • 18. Th Amex
  • 19. Th JCB
  • 20. MAT SAU THE THANH TOAN
  • 21. MT SAU Bng giy trng: ch k ch th Bng t:cha cc thng tin: - S PIN - Thi hn hiu lc - S tin s dng ti a mi ln hoc hn mc s dng - Ngy giao dch cui cng
  • 22. 3.Cac loai the va cong dung a. The ATM (ATM card: Automated Teller Machine Card) b. The thanh toan (Payment card) The ghi n (Debit card) The tn dung (Credit card) The quoc te (International Card) Visa Card, Marter card, American Express card, JCB card
  • 23. MY ATM F12 Chc nng: Rt tin mt Chuyn khon Tra s d i mt m Lp t: Ti snh giao dch Thi gian phc v: Gi lm vic C 1 hp ng tin
  • 24. MY ATM F16 Chc nng: Rt tin mt Chuyn khon Tra s d i mt m Lp t: Ti snh giao dch Thi gian phc v: Gi lm vic C 4 hp ng tin
  • 25. MY ATM F34 Chc nng: Rt tin mt Gi tin Chuyn khon Tra s d i mt m Lp t: Trong nh hoc ngoi tri Thi gian phc v: 24 x7 Tnh nng khc: C 4 hp ng tin
  • 26. M T H THNG Mn hnh Bn phm Np th Ho n giao dch Tin mt Phong b gi tin
  • 27. Nhn tin gi qua ATM Phc v sut ngy m (k c ch nht v ngy l). Giao din song ng Anh- Vit, c m thanh hng dn TNH NNG CHUNG
  • 28. Qua h thng ATM 24/24 ca Ngn hng ng Qua h my POS Mng li rt tin mt rng trn ton quc: 33 Chi nhnh, phng giao dch ca NHA Gn 40 ca hng n trang ca PNJ v cc ca hng vng t nhn Hng chc my ATM 24/24 RT TiN MT
  • 29. Phc v sut ngy m, c ch nht v ngy l Ln u tin c ti Vit Nam Thc hin an ton Qui trnh cht ch, tin cy GI TiN QUA ATM
  • 30. S tin vay n 50 triu ng Thi hn vay n 3 thng p ng nhu cu chi tiu t xut Gii quyt thiu ht ngn hn ti chnh gia nh VAY TIN (THU CHI)
  • 31. Chuyn tin Nhn tin Thanh ton ho n CHUYN KHON
  • 32. Cc h thng siu th trn ton quc Cc ca hng n trang, vng bc Nh hng, khch sn, shop thi trang MUA SM
  • 33. CAC CHU THE THAM GIA 1. Chu the (Cardholder) Ngi s dung the thanh toan. 2. ai ly chap nhan the (Merchant) Ni chap nhan thanh toan bang the. 3. To chc phat hanh the (Issuer) To chc phat hanh the thanh toan. 4. To chc thanh toan the (Acquirer) To chc cung cap dch vu cho ai ly chap nhan thanh toan the. 5. Visacard, Mastercardkiem tra lenh chi
  • 34. POS
  • 35. Sale slips
  • 36. Imprinter