Kinh nghiệm triển khai thẻ CHIP theo chuẩn EMV của Malaysia

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<b>1. Khai quat </b>

Ihe chip la logi fhc nhi/a co gdn

moi chip vi xu" ly. Bg xu" ly vd mo Jun

bao mqi phan ciing (fISM) cua chip co

tinh ndng xu" ly thong tin, lull giiJ thong

tin, luu giu" thong tin bi nngt, xu" ly nnd

hod vd thong tin Jdu vdo vd ?du ra.

Phdn mem bao gdm he Jicu hdnh, cdc

uTig dung, cdc khod bdo mdt, sd lieu ve

chu the, v.v...

Co 3 loai the chip dang dope sO
dgng tren thi trgdng, dd l i : The chip
tiep xOc, The chip phi tiep xuc; The chip
giao dien kep.

Vio n i m 1993, MasterCard, Visa
v i Europay thda thuan cung hpp t i c de
xiy dpng nen chuan ky thuat cho viec
dOng the thong minh trong c i c the
thanh toin d c i hai loai the t i i khoin v i
the tin dgng. Phien bin diu tien cua he
thing EMV niy dope cdng b l vio n i m

1994. D i n n i m 1 998, mpt phien bin
khic tin cay han ra ddi. Cdng ty EMVco,
da ning c i p chuan ky thuat vio n i m
2000 v i mpt lin nOa gin diy nhit l i
nam 2004. Mgc tieu cua cong ty EMV
l i phii d i m bio vol cic to chOc t i i

chinh v i cic dai ly rang cic chuan ky
thuat du phit trien nhOng van phii giO
dope toang thich vdi phien bin 1998,
cd tinh nang md de dam bao khi ning
van hinh lien thong giOa cac the Chip
v i thilt bj diu culi chip nhan the. Do
dd, choang trinh EMV [the chip EMV,
thilt bi chip nhan the, cic phin m I m
he thong, chOang trinh quin ly the, he
thong c i the h o i the, v.v), cd the coi
chuan EMV l i chuan dap Ong dp bao
mat cao nhit tren thi trOdng hien nay.
Tuy nhien, viec ap dgng chuan EMV l i
khpng b i t bupc doi vdi t i t c i c i c loai
the v i cung khong phai tat c i c i c loai
the Chip hien nay deu t u i n thu theo
chuan EMV. Chuan EMV chu ylu dUpc
i p dgng doi vdi c i c loai the dope p h i t
hinh bdi c i c to chOc the quie te nhO
Visa, Master v i JOB, v.v

<b>Kinh nghiem </b>

<b>triin l(hai </b>

<b>the CHIP theo </b>

<b>Ghu^n EMV cua </b>

<b>Malaysia </b>

<b>Do Van Hiiu </b>

<b>2. Kinh nghiem trien Ithai the CHIP </b>

<b>theo chu^n EMV cua Malaysia </b>

<i><b>Lg trinh thuc hien Sung dan </b></i>

So vdi c i c node khu vpc Chiu A
Thii Binh Duong chi cd 25% the ngan
hing phit hanh ra la the Chip, viec
chuyen doi the Chip theo tieu chuan
EMV cua cic node dang d nhOng giai
doan phit trien khic nhau. Tuy nhien,
Malaysia l i mpt trong nhOng node d i u
tien chuyen sang sO dung the Chip t u i n
thu cic chuan cOa EMV, co rat nhilu
cic nhan t l khic nhau i n h hOdng d i n
quylt djnh chuyen doi tO the tO sang sO
dgng the Chip tai node niy, ly do quan
trpng nhit chinh l i nham ching lai viec
gian lan trong thanh t o i n the.

TOng dope xem l i thu do ciia toi
pham the, Malaysia trd thinh Quoc gia
dien hinh nhat trong viec chuyin sang
the chip dat chuan EMV d khu vpc
Chau A Thii Binh Duong. Chinh phu
Malaysia da di tien phong tren t h i gidi
v i khu vgc v l viec chuyen doi sang t h i
Chip dat chuan EMV v i da d l ra thdi
han cho viec chuan bi v i thgc hien i p
dgng diy du chuan EMV tO n i m 2002.

E i n nam 200B hoan
thinh viec chuyen doi
cho t o i n bp the thanh
t o i n . Oin nay, tai
Malaysia 100% thilt bi
d i u cuoi da chip nhan
t h i Chip v i 100% the tin
dung dope cac ngan
hing phat hinh, to chOc
phit hinh the Chip dap
Ong chuan EMV.

Sg tang trgdng va
dap Ong ciia cac thilt bi
d i u culi theo chuan
EMV xuit phit tO viec
dip Ong ding bp trang bj
mdi v i thay t h i cac cac
thiet bj diu cuoi khong
dap Ong, nhim dap Ong
viec chip nhan dope thi
Chip, ning cip he thong
quin ly the, he thong
<i>wmm-mmmm^ Switch, hg thing 03 thg </i>

hoa the. Hiep hpi Ngan
hing Malaysia, Ngin hing Trung Oang
v i cic Ngan hing thinh vien da co sU
hop t i c mat t h i l t do dd tao nen so

t h i n h cdng t i l n trinh chuyen doi the
Chip tai quic gia niy.

Kinh nghiem chuyin doi thinh
cong sang cong nghe the chip EMV
cua Malaysia cho thiy, viec dUa ra lp
trinh chuyen doi phu hpp, dung huong,

<i><b>Lua chgn cong nghe. 3au tunang </b></i>
<i><b>cap dong bg phan ciing va giai phap </b></i>
<i><b>phan mem </b></i>

Lga chpn cong nghe, xic djnh diing
hodng cho viec linh hoat lga chpn cac
plasform v i sg sing tao trong viec khai
thic Ipi t h i cOa the chip dap Ong chuan
EMV sau phat hinh l i viec lam vo ciing
quan trong, quylt djnh sg thanh cdng
hay t h i t bai cua mpt chUong trinh
chuyin doi the TO sang the Chip dap
Ong chuan EMV.

Hien nay, cd khoang han 7 trieu
the Chip da dope phit hinh, TrUdc khi
hoan thinh k l hoach chuyen ddi sang
<b>the Chip, gian lan trong thanh toan the </b>
da giam. Ton t h i t do gian Ipn the thanh

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<b>X^m^ </b>

t o i n da g i i m tO 1 0 , 8 trieu U S D / n a m
2 0 0 2 xuong con 7 , 6 t n e u U S D / n i m .
Nhd v i o viec i p dgng chuan EMV
cho c i c thiet bi d i u cuoi thanh t o i n
ATM/POS, giao dich dope dam bao an
t o i n cao tai c i c dau dpc t h e , m a t
khac n g i n ngOa hieu qua doi vdi loai
toi pham t i n cong vao cac giao djch
trOc tuyen va the Chip dap Ong c h u i n
EMV CO the n g i n ngOa dope c i c gian
lan nay. Nam 2 0 1 0 , Malaysia da i p
dung ngay c i c c h u i n b i o m a t quoc t l
tren c i c t h i chip EMV do To chOc the
MasterCard va Visa yeu cau, cu the la
choang trinh xac thOc the chip EMV
cua MasterCard [choang trinh CAP],
dope dung de b i o mat trong giao dich
e-banking, phone banking v i c i c giao
djch thoong mai dien tO b i n g c i c h sO
dung mot the chip EMV v i mot dau dpc
the d l sinh ra c i c password dOng mpt
lan [chgang trinh OTP). Chuong trinh
xac thgc n i y keo theo cac Ipi ich nhg
chi phi hieu q u i cao, c h i p nhan dUpc
da kenh thanh t o i n ,

Malaysia da x i c dinh dung mgc
tieu d i u t u cdng nghe l i khau tien
quyet va da t h i n h cong trong tien trinh
trien khai chuyen doi the TO sang the

Chip dap Ong EMV thay vi chi coi viec
chuyen doi EMV nhO l i mot giai p h i p
de giam chi phi kinh doanh, giam thieu
rui ro, mat k h i c cac ngan h i n g da cd
dinh hodng dung d i n v l mat lga chpn
cdng nghe, tinh dong bp ve giai phap
de cd nhieu co hpi nhat t i n g trUong
cac chOc n i n g cua loai hinh the Chip,
thiet bj c h i p n h i n thanh toan the Chip
trong c i c kenh thanh t o i n ,

<i>Lai ich </i>

Cd the khang djnh rang the Chip
chuan EMV thay the c i c loai the TO v i
viec i p dgng c h u i n EMV cho c i c thiet
bl dau c u l l thanh toan A T M / P O S , giao
dich dope dam bao an t o i n .

The Chip giOp thgc hien viec kiem
tra v i x i c n h i n giao djch c h i t che ma
khdng dOng them c i c cong cg khac, do
do cd the thOc hien he thdng dung cho
vipc dang n h i p so dgng tO m i y tinh,
thiet bj d i u cuoi, do lieu bao mat thdng
tin k h i c h h i n g cua c i c giao djch dope

xac nhan duy nhat, dam b i o an toan,
Viec bl lay c i p thong tin cua chu
the tren the Chip va lam gia the Chip se

g i y khd khan cho tpi pham the do phai
dau t o cong nghe cao mdi thOc hien
dope. M a t k h i c , de thpc hien cho viec
thgc hien gian l i n chi phi cao, liy thong
tin kho khan, dO lieu dope xac thgc va
ma h o i se han che h i n h vi thgc hien
giao dich g i i mao va l i m the Chip gia,

Co the p h i t trien nhieu tien ich cua
loai the Chip thanh t o i n cho cac doi
tupng k h i c h hang phu hpp do thong tin
dupe lgu t r e n Chip Idn han the TO va
viec x i c thOc ma PIN co the tai ngay
tren t a m the Chip,

The Chip d i p Ong chuan EMV cd
the dung k i t hpp nhieu tinh n i n g tren
mpt t i m t h i nhO: The phi cau dUPng,
the mua x i n g d i u , c i c chOng nhan c i
nhan doi voi mot so to chOc, ca quan,
bang lai xe, dich vg gia tang cOa n g i n
h i n g , the ID c i n h i n , the xac thoc ma
nhan vien, v.v ,,.

<i>l-lan che </i>

M p t nhopc diem cua the Chip la
kha nang hO hong do The nhga cd gan
<i>Chip d i t tren no d l b\ udn cong do dd </i>
d l bj gay, hong the. Tuy nhien, doi voi

mot so he t h i n g ngan hang Idn tai
Malaysia chi phi quan ly bao hanh the
cd the c h i p n h i n dope so vdi ehi phi
n g i n hang phai bo ra de tra cho c i c
giao dich gia mao v i lOa dao qua thanh
t o i n the.

Tai Malaysia viec k i t hpp dung the
thong minh trong thanh toan the k i t
hpp tinh nang chap nhan cac loai hinh
thu phi cua he t h i n g giao thong cong
cong, mua ban x i n g dau cung cd rui
ro ve quyen t g do c i nhan, boi vi vdi he
thong quan ly thong tin khach h i n g sU
dgng the Chip nhg vay thi he thong
quan ly giao thong cd the do theo hanh
trinh cua ca nhan cua chu the dieu nay
g i y cho mpt so chu the khong h i i Idng,
The t h o n g minh dung de x i c
nhan khach h i n g l i m p t trong nhOng
c i c h an t o i n nhat, cd t h i dung trong
nhOng Ong dgng nhg giao dich internet
banking v i c i c giao djch qua internet
nhUng mOc dp an toan khdng the dam

b i o 1CXD%, Trong trOdng hop giao djch
chu the thoc hien qua internet, neu
may tinh c i n h i n bj nhiem cac p h i n
m e m xau cua c i n h i n , to chOc thoc
hien hanh vi gian lan thanh toan thi vd

hinh an ninh n g i n hang se bi xam hai
hoac t h a m chi bi pha vo nhO: Phan
mem do cd the viet de len thdng tin gia
mao hoac lay c i p thdng tin chu the [ca
thong tin d i u vao tO ban phim t h i l t bj
dau cuoi va thong tin dau ra man hinh,
hoac gdi tin dang truyen t r e n mang]
giOa k h i c h h i n g va ngan hang. Nd cd
t h i se sOa doi giao djch m i k h i c h hang
khong biet, Tai Malaysia da x u i t hien
loai hinh phan mem x i u nho vay, vi dg
nho p h i n m e m Trojan, Silentbanker,
v,v .,, M p t so n g i n h i n g tai Chau Au
nho Fortis Dexia cUa Bi da dOa ra g i i i
p h i p dung m o t t h i thong minh g i n
chung vdi m p t t h i l t bi dpc the Chip
khong ndi mang nham giai quyet v i n de
neu tren, k h i c h hang nhap mpt thong
tin d i n h g i i tO trang web cua ngan
hang, PIN cua hp, v i tdng sd tien giao
dich vao mot m i y doc the, m i y dpc the
se tra lai mot chO ky 8 chO s i , ChO ky
n i y se dope khach hang n h i p b i n g tay
vao PC va dope kiem chOng boi ngan
hang, Tai Malaysia va khu vpc Chau A
T h i i Binh Doong choa cd giai p h i p
ngan chan toang to, ngoai he thong
toong lOa cua Core Bank,

Ben canh viec c i c ngan hang chay

dua vdi so p h i t t r i l n cua toi pham cong
nghe cao cung l i sO thieu hgt mpt che
<i>tai la sg luon theo sau ve cdng nghe </i>
do phai bo ra khoan chi phi Idn d i u tU
cong nghe dan d i n thieu mot chuan
thong nhat ve chOc n i n g va an ninh
cua the thdng minh va c i c thiet bi dau
cuoi c h i p n h i n the Chip,

Oau t o cua ngan h i n g cho viec
p h i t hanh va c h i p nhan the Chip d i p
Ong chuan EMV cao,

<b>3. Bai hgc do! v6l Viet nam va Ngan </b>

<b>hang Agribanl< tu kinh nghiem phat </b>

<b>tri§n the Chip cua Malaysia </b>

D i y la cdng nghe mdi ma nhieu
node tren the giPi dang so dgng do
the chip cd nhieu Uu diem, vUpt t r p i
ban ban the tO, m i t khac d i y l i yeu to

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bat bupc dope quy djnh cOa to chOc
the quoc te doi vdi c i c ngan hang phit
hinh va ngan hing chap nhan thanh
t o i n the, Chinh vi vay, viec thay the
the TO bing the Chip l i viec l i m tat
yeu, phu hpp vdi quy luat cua sg p h i t
trien. Thgc te, yeu t l s i mpt, quan
trpng n h i t van l i t i l m Igc v i b i i t o i n

d i u tg cua ngin hing. Viec chuyin doi
t h i to sang the chip v i cac he thong
lien quan se rat t i n kem, ngin hing
se phii d i u tO r i t Idn.

Ngan hing Agribank nen quan tam
chuyen doi the Chip dap Ong chuin
EMV doi vdi the qudc t l .

N I U the ghi np npi dja chu ylu phit
trien the tren thi trOdng npi dia thi chOa
n h i t t h i l t phai chuyen doi t h i Chip vi
chu the trong nOdc mdi chi dang sO
dgng s i n pham dich vg t i i thieu la rOt
tien, chuyen khoin, van tin v i thanh
toin trong nOPc, Trong khi, mOc dp diu
to chuyen doi the TO sang the Chip se

rat Idn, rat ton kem [binh quin mpt the
TO [nguyen the trang - phdi thi) mua voi
g i i to 1.900 ding d i n 3 . 2 0 0
d l n g / t h i ; nhOng g i i cua the Chip 16
Kb hoac 72 Kb chi phi len tdi gap 6 0
l a n / t h i TO.

Cd lp trinh hop ly, cg t h i , ro r i n g
cho viec chip nhan chuyen doi the
Chip: Lga chpn the Chip, giii phip cua
he thing ca the boa the, thiet bj dau
culi, he thing Switch dope t i l n hanh

thgc hien ding bp, thong nhat v i giim
thiiu dope chi phi phit sinh trong q u i
trinh thgc hien.

Thgc t l cho thiy, viec chuyen sang
t h i Chip khong chi dan t h u i n l i thay
mpt chiee the m i ngan hing phai ning
c i p thiet bj chip nhan the, nang c i p
he thong chuyen mach npi bp cua ngin
hing minh, viec nang cap thiet bj chip
nhan the, he thong chuyin mach npi bp
cua tOng ngan hing giup c i c
ATM/POS k i t noi vdi nhau khi sO dgng

t h i Chip, viec nang c i p ATM cung udc
khoang 3 5 . 0 0 0 , 0 0 0 dong/ATM va
nang c i p POS khoang 2,000,000
dIng/POS.

Ngan hing Nha node c i n ed sg
can nhac, xem xet ky lodng tren nhilu
khia canh vi dg nhg tinh chat che vl
mat phap ly, sO hoin thien ve co cau to
chOc, k h i nang d i p Ong v l co so ha
tang ky thuat, mang lodi lien kit giOa
cac ngan hing tai Viet Nam v i cac to
chOc lien ket/chuyin mach qudc gia,
c i c to chOc the quoc t l . Triln khai chi
dao viec chuyen doi t h i Chip mpt each
chinh quy, i p dung cic cong nghe hien

dai ve phin cOng, mang truyln thong,
an ninh bio mat, phin mem Ong dung,
CO sd do lieu,... de hodng dan ngan
hing thOong mai lap d l i n theo chuan
quoc te v i quy djnh ve phap ly, ky thuat
nghiep vg ngoai dap Ong EMV cdn tuan
thu v i dip Ong ha tang cOa quoc gia,
cua nganh Ngan hing •

BAOVIET Bank nana cap

Core Banking len phien ban 10

N i m 2 0 1 1 , Ngan hing TMCP Bao
Viet [BAOVIET Bank] se tap trung phat
trien mang lodi, ning cao chit lopng diu
to cii tao sOa chOa npi t h i t trg so chi
nhinh va phong giao djch; mP mdi 20
don vj kinh doanh, nang tong so diln
giao djch len gin 50 diem, v i die biet la
nang cip he thing Core Banking tO
phien bin 7 len phien bin 10.

Cung trong nam nay, ngan hing
nay se trien khai cic he thong BPM S.
ECM, ho trp quan tri v i t i c nghiep tap
trung; B i y manh viec phit trien c i c
tien ich ngin hing dien tO v i cac s i n
pham the; Phit trien cac choong trinh
ho trp b i n hing, gdp phin nhanh
chong md rpng pham vi khach hing c i

nhin; Chu trpng quin trj he thong bio
dam an t o i n he thing v i an ninh
mang, k i t hpp vdi he thong na tang
CNTT cua Tap doan de nang cao hieu
qua hoat dong cua he thong.

Trong nam 2 0 1 0 , BAOVIET Bank
da hoin t h i n h mpt so dg i n trpng
diem nho FTP (quin ly djnh gii vin npi

bp), Internet Banking, SMS Banking,
dip Ong kjp thdi cac yeu c i u cOa kinh
doanh v i t i c nghiep.

<i>Mai Hue </i>

<i>SCB thiic hien 3o\ the </i>

SCB link mien phi trtroc ngay

0 1 / 0 7 / 2 0 1 1

ThOc hien quyet djnh s i
38/2007/OD-NHNN cOa Ngan hing
Nhi node nham hoong tdi mot he thing
ngan hing hien dai, quy chuin va d i m
bio yeu c i u quin ly trong hoat dpng
thanh t o i n v i phat hinh t h i , mpi to
chOc phit hinh t h i ghi no npi dja tren
toin quIc deu dope yeu ciu sO dgng ma
s i phit hinh t h i - Bank Identification
Number] do Ngin hang N h i nuac Viet

Nam quy djnh, tO thing 0 1 / 2 0 1 0 ,
Ngan hing TMCP Sii Gon [SCB] da
triln khai chuyin doi miln phi the SCB
link cd diu s i the [BIN] 157979 sang
cic sin pham the ghi np npi dja mdi vdi
diu s i the l i 970429 cho khich hing.
Cic sin phim the mdi bao gIm bp the
Tii - Lpc - Phu - Quy, Rose card [dinh
rieng cho phg nO], da dang v l mau sac.

hinh anh v i cd han mOc giao dich cao
hon, mang din eho khich hing nhilu sU
lOa chgn.

Viec chuyen doi t h i tO s i BIN cu
sang sd BIN mdi se dope ben hanh
c h i m nhit din ngiy 3 0 / 6 / 2 0 1 1 .
Trong thdi gian chuyen doi, nhflng the
SCB link cd ma BIN cu [157979] van co
the thgc hien giao djch tren ATM, nhUng
ke to ngiy 01 / 0 7 / 2 0 1 1 , t i t ca cac
the chOa chuyin doi sang ma BIN moi
[970429] se tg dong chim dOt hieu luc,

<i>MN </i>

Standard Chartered gia

nhap Smartlink

Ngin hang TNHH Mpt Thanh Vien

Standard Chartered Viet Nam da vi/a
chinh thOc gia nhip mang looi lien minh
the Smartlink, Bodc tiln niy se giup cac
khich hing cua ngan hing cd the ket
nli vdi ban 5.000 may ATM v i 20.0CC
dilm chap nhan the [POS] tren tiDin
quoc, ding thdi diy manh han nOa sU
hpp t i c giOa cic ngin hing thanh vien
cung mang looi... Ong Louis Taylor, Tdng
Giim die Standard Chartered Viet Nam

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