dịch vụ ngân hàng trực tuyền và cách sử dụng các loại thẻ

 
 !"#$%&'(&)*+,-
BI TIU LUN
DCH V NGÂN HNG TRC TUYN
& CCH S DNG CC LOI THE
Nhm 2

 
 !"#$%&'(&)*+,-
I – Tổng quan về cac dịch vụ của ngân hàng trực tuyến (NHTT)
. Khái quát và lợi ích của NHTT
/,0102345657859:;<1=>7?7<.@A4565;
<BA5CDED365<3F1G<3CH9<I5GC7851I5
AJ4.I54K4AALKMNO3DH1I54D456556;
<.
/;<1I5AJ45FIPG1QBA565GC785<5R.S;JT<
PNL5U5VFW
XIPBBT<65YGM5FZ55AJF
3CHIP9<C<3CH5YGM.
XIPGC6G[5F5<\F;<IP1H
B5C565:55@GC6<6K]5K99
XIP5AJF3CH
XIPT^A1^. QBA7859:;<1I5AJ455U5V
PD@B_AHT`<5R.[5FTA1^T565GC7859<
CP7?1G1C<3CH5YGWabAJ>9<GC6565
5DRGc9<H.
XI57859:;<=MQ5U;A.];<1I5AJ4K
M5FGC6G9<_AHT`<3CHGJ<GJMQ5U
<C1>4].
/;<HCPNL;<CP1I5AJ4C<C<.
X 65;<<J5A5QD5657859:I;<1AJB

L.AJ>K5d3DH58A5653CH5DRF=5
6GJA>;9>.SBA<JdD43B5C365<.
X C3DH1H5DR_AHT`5AK;<HC5U5T2NAQ5GC
5C<3CH439<<3CHGC6.655DR5YG;
<5eQD9<565_AJ89BNL7LFA9<951dB5e
Z5HG.
X P1C^FJ4A5YG;<HCT<356Jf.W
4K4A5@BQDKMNODH58AP3CHDRFN7:6Jf
5YG;<365.
. Đặc điểm của các dịch vụ NHTT phổ biến
a. Dịch vụ nạp tiền thuê bao di độngVnTopup
- Cách sử dụng dịch vụ

 
 !"#$%&'(&)*+,-
Xg65<5<3CHBGC6P;<<C.
Xg65<DHV3`9<3R5cG7859:1]53N7:.h
A>MGC7PV3`N7:7859:U9]7AJQP
ijk<3CHBGC6.
XSV3`KYJV3`KGJlN7:7859:565F
GC7855YG;<2V3`.
- Quy định chung của dịch vụ VnTopup
X g65 <5FDB5C A>MGC 7P5RW
9<mC\55CA>MGC365.
X g65<I57859:CDAD_AGn''
C\5U7:Z55<\1>C7P
b. Dịch vụ Mobile banking
- ]A7859:
X 859:CMT0[G3T<7859:;<_AGC._AG
7859:dD365<I5565GC7851I5AJ4omp9]

;<7?7<KAqKcTd5KcK43aG9<
5DR.
- R57859:
XAJF3CH1C9<C<LrbMG3K5AJF5Ca
qMs
X=mQC6<3CH431I5AJ4.
XAJF3CHNG<3CHt_AL54rbMG3.
XGC6G BKZL59GJK5]5A>MGC7P
iCMuC0K00Tk.
XDBA>MGC7PiCDADk5C5659?.
XgGm=3Gt_AL54KV3`D6<t.
X1AJ9QNL7<3CHBK43K<3CH9GJK
U55vTt_AL54K54T85NGC785KT2NAQK
w6KF\fKFGC785x
- S\5F7859:
X SHK7?N7:g5@]5dD6DK5y5@5<\U
7:9<N7:0C5650A5U5V1>U7:.
XzU5GC785G765GC785Z5I5
_AG34L,010iz 'm{um|kC\5_AGn''
|
 
 !"#$%&'(&)*+,-
X R59]BA7vCU7:CMT0[G3
R59]5657vC5h1Z}G9GK9<mC\55657v
CN7:BA<'JMGKf71C7K*'K{7C~N
CMT0K ,x
XfC<9<MHCq65GC785Z52G9<MHCq
/'7:7859:
XSV3`565FGC7855YGrbMG3.h365<Z5
V3`U9]jA>MGCFN7:7859:.

X<\U7:9<3R5C7859:1]53N7:
c. SMS banking
- 5A9B7859:
•''[G3€T<7859:;<_AGcGdD365<_AH
T`<3CHMsn•1AJ9Q9BT2NAQB•
9BNL7<3CHK9BT85NGC785•w6CK
9<K1AJ9QFGC785K1AJ9QF\6Jfx65TC785
9:Z55A5QD_AG''[G3‚
XqnM6CGJlNL7IP
)<7859:Z55A5QDsdD365<_AHT`565M4P5YG
NL7<3CHBGC6.g5565GC785m1dD6N
T>_AGKL;<NOnM6C]365<_AG
NLA>MGC2Z5V3`N7:.
XqnM6Cn5Z9GJ•7ZtR7:•NHDƒK785
9:]5YG;<.
X1AJ9Q0CJ>A5@A„365<KMGC‚565TcG1AJ9Q
NGA
• 1AJ9QFGC7855YGL;<
• 1AJ9QF\6Jf
• 1AJ9QKT3>GC785NL7<3CHBG
C6•7ZtR7:•T2NAQB•w6
CK9<
- SV3`N7:'N[G3
Xg65<V3`565FGC7851CL;<.
Xg65<G0C3V3`.
SL9]7859:1AJ9Q5Aiw6KT2NAQKFGC785K
F\fk365<3DHV3`.
d. Internet banking và truy vấn tài khoản
- Giới thiệu dịch vụ:
o

 
 !"#$%&'(&)*+,-
X,010[G3T<7859:;<_AG,010._AG7859:<JK
365<5FI5565GC7859];<P565G5
9<TZ<35@DH4;<
- Tiện ích của dịch vụ:
X1AJ9QNL7<3CHKT3>54GC785KT2
NAQKw6K69<KT]fKx
XAJF3CH1C9<C<LrbMG3i0CNL<3CHKNL
tC\5QJa56;k.
X=mQC6'l43
X  G  C6  G    785  9:•  G  C6  Z  L5  9GJ•
XDBA> MGC7 P 1H1]5K1H NGA5659? •
X859:t
• 1AJ9QNGC3>tKGC785D6N1><3CHtK
U55vTt_AL54•
• SV3`D6<t•
• SB85QDTz,KGJl8G5yqNGC3>t_AL54•
• SV3`N7:5657859:tqM6CGC785D6
Nt_AL54K1AJ9QNL7t_AL54K=mgGt_AL54K
=mgG<3CHtP8G_AGn''•7859:GC6
1I5AJ4MstP8G•7859:b65I5GC7851I5AJ4t
_AL54i|N05A10k•
• =mgG<3CHtP8Gmt_AL54•
• GC67ZtR7:_AL54•
• SV3`345AJFT29<C<3CHGC6.
• GJlrGTKNLCN7:7859:Kx
- Dịch vụ khác:
•1AJ9Q<3CH€T<7859:;<_AG,010dD365<
_AHT`9<1AJ9Q565GC785;<G5KAq

.65TC1AJ9QMGC‚1AJ9Q<3CHB
GC6•<3CH9GJ•565TC<3CHt•NGC3>t•T2NAQ
B•T85NGC785•w6CK9<•
9BNHDƒ7859:5YG;<MN7:.
II – Giới thiệu tổng quát về các loại thẻ do Ngân hàng phát hành
. Giới thiệu các thẻ thanh toán
• Thẻ ghi nợ (Debit card):
tZT<PDGC637…B\.tZT<
t7CP;<D6<5CDED365<5F1dB„<
†
 
 !"#$%&'(&)*+,-
3CH5YGW;<.tZZ57…FGC656598
5QDqtC\51dB„6Jf.tZ35_AG9GJZ
^G;<9<5Yt.
gN=^AtZK5Yt5FGC6m1dB\1>5N=NLB
G51C<3CH.tZ5GTCK0CD9N7:tZ
P8G9<_AL54.
/ SFN7:tZK365<DH5<3CHt;<i5F
=<3CH3V3`N7:tk.tZZ55QDQ5Hc5
7;G9<a]5C<G565C\585G.
65N7:
/ ]tZK365<5FGC6C\51dB\565F
5QDqtK6Jf.g65<5e5F3F1G<3CHKlq
2K5AJF3CHKb09<NGC3>GC785 GJ1>f.[>5K
tZ5v5^R565d`
/ B5GN7:1CtNT2<<J0CT2NAQ33‡.
/ ?DR1dB31d6Jf1CL.
/ F7…FGC6IP5653CH583‡BK]5K
CK010KMHCFK1HZ9GJx

/ PNL;<5CDED5Yt5>A4‚5AL5…1CtC\5
Z5DEDQA53<3CH4B.
•
• Thẻ tín dụng ( Credit Card ):
)<PDGC61I54DZ56D7:9]365<5Y
BA3Z5;<5C9GJBFAGt.U5B5C9GJZ5
1CMc]5YGt.g65<5yZ5GC61CD9U5R7:
2Z5;<5QDAq9<1Ct.
ˆG5YJ4AT<GN015G179<NGG17KT<TCtZ5N7:
DlM4Q.YtZ5DEDN7:PU5R7:3DH1H
T2FAGNn<C6K7859:^5N=37CGK365NKN;
MGJ 5QDqTCt<J.
‰
 
 !"#$%&'(&)*+,-
/]P545tR7:1CGJKMNOŠGNU5AGNnK5>AK3
DHTCTn4BM5.a5U5V7…1]5K1HNGA5YGtR7:KM
5F5>A9Z_A6NLB51C<3CH<5yDHGC6P
3CHLFA1]5<J6C1>MHNGC3>.
/…J9<CA5@A9<AqD5YGMK;<NO5QDPU5R7:
F_AGTCti5AƒC\59<k.S;JT<U5Z57…9<1dB\
5YG365<1C6.S\5MK37…tR7:FGC6KMNO
3M8RT24AC<1H3CH9GJ1C9vo†<J.

atR7:5GTC
‹ G10G17/GJ5vcT<70DG10NC105G17aN7:>AB
5YG;<5C9GJ9<DH1HC<MPNLB2>A9<C5AL3‡NGC3>
iaT<6k.KDH1HT2;<.
‹ 09CT9107G17iR7:A@C<k5y1HNLBGC6L
FAi„j/jŒ1>lU5LG<MZ5>Ak.9<DH1HT2;

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 !"#$%&'(&)*+,-
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‹ GNCT0G17/GJtlbVK365<5yb7:7F7lbV
5655;JbV9<AG‚V9\7C5;JbV5YGAM6
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‹ f015GrbD10NN
f/ 0ATG1f015GrbD10NN G17)< TCta5 <A bGT6 5;J
qZ5N7:4Aa7…35BAR7:L9<5TZU5
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:5;<.TC<JMDH1HTDR<V1Q5GCi3CH•pŽ"'
Vk.C6Z5=5CMh69<DH1H4T@
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iD10u01075ANA01KMJ9GCCTJkNLB5y8Z5>Ab<T>
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[TT9•DHGC6T;TC1>.
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 
 !"#$%&'(&)*+,-

• Thẻ rút tiền mặt (Thẻ ATM)
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tR7:.
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]1CD9P_AL5GK7C565;<Kl5U51C]5
D6<K‚BGC785DHT<‚MH5YG]5.GJP
NLtGC6P8G255U5VGC61I5AJ4tGV
S&KtC05o5YG05CMG3.
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 !"#$%&'(&)*+,-

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5QA1d5P6J9R.z;TC0C5YFD6<
/ t7C;<D6<i[G3G17kT<TCt7C;<D6<
dD5C365<N7:PNLB7C;<5QDR7:.
/ t7Cl5U5D;<D6<T<TCt7AT859<H1R5YG565
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D6<01“NTAMKf0bKx.
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THE TÍN DNG(Credit)
 Đặc điểm:
/ U5R7:K7CD6<5QD5C365<i5Ytk.S;J
T<P7859:R7:GC6KA@C<K5CDED5Yt9GJB„F
7…1]5iAG<C6C\51dB\kK1HNGA9<3CH7…1]5K1HNGA
<J3M8RT2NGAP5A3‡Q8iaT<„j4o†<Jk.
/ <6K365<DHGC6NLB25>A5C5V5U
1>NGC3>5653CH5>A.
/ U5R7:iNLBLG<365<5FN7:k5YGt
D:AP59<C3HV<5RKNLB3`_A‘C\5<NH45QD5YG365
<.
/ U55YGtR7:G7K5BAU5KD:59:Z5BAA
5@A5YG565365<365GA

 
 !"#$%&'(&)*+,-
 Ưu nhược điểm của thẻ tín dụng:
- ”AF
•g65<5F5>A9Z_A6NLB51C<3CHK>AB1]5K
1HBNGA.
•4A5YtGC6C<MPNL7Z9<C<J4K5YtZ5?

T2L9]NL7Z5AL3‡
- Z5F
•g65<DH5AJR5GC.
•4A9<C<J4KC<MPNL7Z5AL3‡5GZ5GC6W5Y
tDH58A^3CHDR9<T25q1H.BT2a1Q5GC.C<B
T2K365<5v5FDH1H5653CHDRN7:tR7:DR
a>KDR1dB\KDRGC785KDR9ZU5.
 Thủ tục đăng ký mở thẻ
@A4565;<BA5A5QD5HGTCtR7:P8G9<_AL54
FMTIG5c.C<1GKY:5=tLH
XQJV3`=t0C•A5YG;<
XQJmP54A
XW|bo
XQJa5UAqD
THE GHI NỢ (debit card)
 Đặc điểm
- g5U5R7:.
- Yt5@5NL71><3CHBC\5<3CHGC65YG
WD6<t9<5F5>A1CD9NL7<J.
- 'LB5>ANOZ53QA1„9<C<3CH5Yt.
- AJ>KA‡0CCHAq^G5Yt9<K5Yt5e5F
Z55QD5CPU5QA559ZNL7<3CH5YG
WP3CHBQ8.
 Ưu nhược điểm của thẻ ghi nợ
/”AF

 
 !"#$%&'(&)*+,-
•tZ5CDED365<4D5q9]NL71C<3CH5YGW
_AGL34L1I5AJ4FGC6<GK7859:565

985QDqtC\5I5565GC785T>_AG]<3CH5656J
f.
•tZ5eT<P565GC6GC<7C<3CH5YGMM82
3C69<5y5F4D5q<3CH<J4AqDd2NLD
•–A1W=tHKG5K365<5y5@5<3CH
;<BA5F4D5q]NHDƒtZ5YG;<.
/Z5FU55>A5YG5Yt5yD:AP59<CNL71C<3CHK
^G;<9<365<37?1G_A61W5C9GJK3595
D;TC365<FZ5=U5R7:
 Thủ tục đăng ký mở thẻ
 QH.aKM5y5@Pm9<QW|boC\5ob‰K
mP54A9<B9<CSV3`D6<t0C•A;<.
S GIỐNG V KHC NHAU CỦA HAI LOI THE
 Sự giống nhau:
107m0M5G17BA5\5F5AT<5F1dB5656JfK
GC65C95AG<G5655G<GJ1><35@
DH7…4B\.
 Sự khác nhau:
‹ 0M5G17itZk365<5y5CF5>ANLB51C<
3CH.g24BW3FI54D565GC785365.ALI5
GC785365DH4D:5B9<Ct
XY:5D6<1QHK5y5@5C\5P
XU5V5FGC6CuuT05655G<KN>A8K365NK9.9.
FGC6CT0NLTZN0GJNCDCT05QDqTCt
<J54t5107.
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365<5vZ5;<5QD5CPU5R7:F5F5>A
>i1CD9U5R7:k3<<3CHt24B.g
35B1Ct9•5F5>A9<1dB
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 !"#$%&'(&)*+,-
XY:5D6<DU5Dt70M.SFZ5;<5QDt5107K
365<DHHMHCC\55C;<QJZ53HVGC65YG
W.GWU5;<6D7:FHMHC1s365<53HV
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C\55UT<5FGC65C;<5653CHR7:F5
>A5YGW.
•45QD365<DH7…BC\5565<NH5YGW45QDFH
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43C\5MQ5U<NH5618<C365<365<5.
XU5V;JT<TCF5@JY5655U5VLt70MKC<1G
365<5vZ55QDq1P12.@AQ5HBA5QDqt
5107.
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