1.

Pht hin ti nghin cu, la chn ch v t tn ti

Pht hin ti nghin cu
Hin nay, vic thanh ton bng th ngn hng ca ngi dn khi mua
sm tr nn ph bin, v th cc ngn hng cng y mnh pht trin
dch v thanh ton qua th. in hnh nh vic pht trin lp t cc
loi my POS ti cc siu th, nh hng, trung tm thng mi, cc
doanh nghip kinh doanh Th nhng, tnh trng mt ngi c nhiu
th, hay mt trung tm thng mi, siu th c nhiu my POS phc
v cho nhiu loi th rt ph bin, gy lng ph trong u t trong cc
ngn hng.
khc phc mt phn vn ny, trn th gii pht trin loi
hnh thanh ton bng thit b di ng MPOS(Mobile Point of Sale).
y l hnh thc cho php chp nhn thanh ton qua th bng in
thoi di ng ( Smart Phone), my tnh bng(Ipad) c ci t
ng dng thanh ton th v lp them MPOS chp nhn thanh ton
cc loi th ni a v quc t cho khch hng mua sm hng ha dch
v.

La chn ch nghin cu
ti tp trung nghin cu cch thc hot ng ca loi hnh thanh
ton mi MPOS v ch r nhng u, nhc im ca loi hnh ny khi
p dng vo Vit Nam.
thc hin nghin cu ny ti thu thp cc thng tin v MPOS v
tm hiu v cch thc hot ng ca MPOS. Qua s gii thiu mt
cch tng th nht v loi hnh thanh ton MPOS khi a vo p dng
ti Vit Nam.

 Tnh cp thit ca ti
Hin nay nn kinh t nc ta ngy cng pht trin do vy vic p dng
nhng cng ngh hin i trn th gii nhm gim cng sc v thi
gian ca ngi dn khi i mua sm hay giao dch lm n ngy cng
cn thit.
Theo quyt nh s 2453/Q-TTg ph duyt n y mnh thanh
ton khng dng tin mt giai on 2011-2015 cng b ngy 27 thng
11 nm 2011, mc tiu n cui nm 2015, tng mnh s ngi dn
c tip cn cc dch v thanh ton, nng t l ngi dn c ti
khon ti ngn hng ln mc 35-40% dn s.
Do , ta thy y l mt ti cp thit nhm phc v li ch ngi
dn, pht trin kinh t t nc theo hng hin i, nng cao xu th
cng ngh ca Vit Nam trn trng quc t.

Tnh thit thc ca ti

Cc ngn hng hin nay ang y mnh pht trin loi hnh thanh ton
qua th nhng cn gim chi ph u t vic u t cc my POS. Loi
hnh ny ra mt s gip cc ngn hng gim c chi ph u t, gip
cho ngi dn tin li hn trong vic thanh ton in t khi khng
phi ph thuc vo my POS.
Do ti c tnh thit thc v p dng thc tin cao.

Tnh mi ca ti

2. Xc nh mc tiu, nhim v nghin cu

ti nghin cu v MPOS nhm vo cc mc tiu sau:
Tm hiu cch thc hot ng ca MPOS, so snh loi hnh thanh
MPOS vi loi hnh POS hin nay thng qua nhng tiu ch tin li,
bo mt, tc
Tm hiu nhng u nhc im khi thanh ton qua MPOS,v nhng
thun li, kh khn khi p dng loi hnh MPOS vo Vit Nam.
Tm hiu tnh tin li ca hnh thc thanh ton MPOS.
So snh hnh thc MPOS vi hnh thc POS vn ang s dng hin
ti qua nh gi c s u vit ca loi hnh MPOS.
xut nhng gii php khc phc nhng kh khn khi p dng loi
hnh MPOS vo Vit Nam.

3. Nhn dng cu hi nghin cu.

ti nghin cu cc cu hi sau:
MPOS l g?
Cch thc hot ng ca MPOS ra sao?
MPOS c nhng u im, nhc im g? V khi khch hng tham
gia thanh ton bng MPOS thng tin c nhn c c bo mt khng?
Hnh thc MPOS c nhng im u vit g ni tri so vi hnh thc
POS hin ti?

 Khi p dng loi hnh thanh ton MPOS vo Vit Nam s c nhng
thun li v tr ngi g?
Nhng gii php tho g kh khn nu nh thc s MPOS c p
dng ph bin vo Vit Nam?

4. a lun im, tc gi thuyt nghin cu

Gi thuyt 1: MPOS l gii php cng ngh hin i, cho php thc
hin thanh ton cc loi th tn dng quc t (Visa/MaterCard) v cc
loi th ATM ni a (Smartlink/Banknet).
Gi thuyt 2: MPOS s cng ngh xc thc ngi dng. Xy dng h
thng cp di phng truy nhp tri php.
Gi thuyt 3: MPOS cng c nhng u v nhc im ring.
Gi thuyt 4: Khi p dng loi hnh MPOS vo Vit Nam s c nhng
thun li v kh khn nht inh.
Gi thuyt 5: Nu c kh khn th s c gii php cng nh hng
gii quyt cho vn trn.

5. La chn phng php chng minh cc lun im, gi thuyt nu

trn
chng minh cc gi thuyt nu trn ti nghin cu s dng
cc phng php sau :
Tm hiu k v MPOS a ra phn tch mt cch tng qut
nht v MPOS nh khi nim, cch thc hot ng
Thu thp thng tin nhu cu thanh ton ca ngi dn Vit Nam,
qua nh gi c s cn thit v tin li ca loi hnh
MPOS.

 Quan st, nh gi s b v h tng cng ngh ca Vit Nam

qua nh gi c nhng thun li v kh khn khi p dng
loi hnh MPOS vo Vit Nam.
Tm kim, hc hi cc cch tho g kh khn ca cc nc i
trc khi p dng dng MPOS vo Vit Nam mc phi.

6. Tm kim lun c chng minh lun im, gi thuyt

MPOS l gii php cng ngh hin i, cho php thc hin thanh ton
cc loi th tn dng quc t (Visa/MasterCard) v cc loi th ATM
ni a(Smartlink/Banknet) trn nn tng in thoi thng minh
(Smartphone v my tnh bng), c cc t chc quc t v Ngn
hng Nh nc cp php trin khai chnh thc ti Vit Nam gip mi
c nhn v doanh nghip c th tr thnh n v chp nhn th mi
lc moi ni trn lnh th Vit Nam.
MPOS hot ng da trn cng ngh xc thc ngi dng. Xy dng
h thng cp di phng truy nhp tri php t tng tnh bo
mt khi s dng loi hnh ny.
C ch hot ng ca MPOS l ngi dng ci t ng dng MPOS
trn Smartphone khi ngi dng qut th i vi th t hoc chn th
i vi th chip vo MPOS v ng nhp trn mn hnh in thoi.
Ngay lp tc MPOS s x l thng tin th thng qua vic truyn d
liu ti my ch Server ti ngn hng tng ng vi loi th thng
qua Internet (Internet Banking). Sau khi hin th thng tin ti khon
nhn vin trong siu th, trung tm thng mi s nhp s tin cn
thanh ton sau gi li cho khch hng. Lc ny khch hng ch
vic nhn nt thanh ton ngay lp tc giao dch s c thc hin v

thng bo s c gi li ngay cho in thoi m khch hng ang s

dng thanh ton gip khch kim tra c ti khon.
Loi hnh MPOS c rt nhng u dim so vi loi hnh POS nh sau:
- C th qut th mi lc mi ni.
- Chp nhn nhiu loi th nh th tn dng quc t
(Visa/MasterCard), th ATM ni a (Smartlink/Banknet).
- Ci t v s dng mt cch d dng.
- Thao tc thc hin thanh ton n gin tit kim thi gian cho c
khch hng ln doanh nghip s dng MPOS.
- Giao dch an ton v bo mt trnh c vic r r thng tin taif
khon nh vic dng POS.
- Kim sot ha n hiu qu.
- Gip khch hng c th ch ng qun l c tn ng nhp v
mt khu.
- Khng cn phi s dng dy nh my POS hin ti ang s dng.
Vic s dng thit b thanh ton s ha hn mt phng thc thanh
ton hu dng, an ton, tin li
Loi hnh MPOS cng c rt nhiu nhc im l:
- Gi thnh s hu mt thit b MPOS vn cn kh cao.
- Vn cha c p dng ph bin trn nhiu thit b (cha c p
dng trn windowphone).
- Thng tin th c nhn ca khch hng c th b l nu nh c s
can thip vo thit b MPOS.

- Nu nh Smartphone, my tnh bng, ipad b b kha th nguy c

b l thng tin th c nhn l rt cao nu nh chng ta dng nhng
thit b thanh ton
Nhng thun li v kh khn khi p dng loi hnh thanh ton MPOS
vo Vit Nam l:
Thun li:
- S lng ngi dng s dng cc thit b smartphone,
my tnh bng, ipad ngy cng nhiu to nn mt tim
nng cho loi hnh MPOS.
- Cc ca hng, siu th, trung tm thng mi cng ang
y mnh vic thanh ton qua th nhm tit kim thi
gian cng nh chi ph.
- Cc ngn hng cng y mnh loi hnh thanh ton
MPOS nhm gim chi ph u t cho cc my POS nh
hin ti.
- Cng ngh thng tin ca Vit Nam ngy cng pht trin
do h tng Internet cng c nng cao gip MPOS
hot ng m khng gp nhiu tr ngi.

Kh khn:
- Tm l e d, cha thc s tin tng vo MPOS trong i
a s nhng ngi ang s dng hnh thc thanh ton qa
th khin cho MPOS cha thc s c s dung rng ri.

- S lng ngi dn c s dng hnh thc thanh ton qua

th cha thc sc nhiu.
- Gi thnh s hu thit b MPOS cn kh cao do
tm l ngi dn v cc doanh nghip nh vn cha
mun u t s dng.

ti xin c a ra mt s gii php nhm tho g kh khn da

trn c s l thuyt l:
- Cn c nhng cuc hi tho trn quy m ln gip
ngi dn c th thy c s an ton cng nh bo mt
ca thit b MPOS khi thanh ton qua thit b MPOS.
- Gim gi thnh cc thit b MPOS ngi dn cng
nh doanh nghip c th d dng tip cn c vi loi
hnh ny.
- Tip tc nng cao h tng mng Internet c th l Internet
Banking mi giao dch c th thnh cng vi t l s
c l thp nht c th.

Li m u:
Hin nay cng ngh thng tin nc ta ang c nhng bc pht trin mi i cng
vi l s lng Smarphone, My tnh bng, Ipad ngy cng nhiu v tr nn
thnh hnh. Ti sao chng ta khng ngh s s dng nhng thit b nh

Smartphone, My tnh bng, Ipad vo vic thanh ton ha n khi i mua sm

cc siu th, trung tm thng mi? hoc l giao dch, chuyn khon Thc
t cho thy, hin nay s lng ngi dn Vit Nam s dng hnh thc thanh ton
qua th ngn hng vn cn rt t v s khng tin li ca cc my POS hin nay
vn cha th p ng theo nhu cu ca ngi dn. Nhn thy s kh khn mi
y mt lot cc ngn hng a vo s dng loi hnh thanh ton Mobile Point of
Sale vit tt l MPOS vo Vit Nam. Thc t l rt nhiu nuocs trn th gii p
dng hnh thc thanh ton ny v n cng cho thy c rt nhiu u im. Vy
MPOS l gi? MPOS hot ng ra sao? MPOS c nhng u, nhc im g v n
p dng vo Vit Nam c tnh thc tin hay khng th bi nghin cu ny s cho
chng ta mt ci nhn tng th nht v loi hnh thanh ton MPOS ny.

Ti liu than kho

Ting Vit
- Th tng Chnh ph nc C

NCN it Nam (2011), Quyt nh s

2453/Q-TTg ph duyt n y mnh thanh ton khng dng tin mt giai

on 2011-2015 cng b ngy 27 thng 11 nm 2011.
- Ngn hng vietcombank (2011) , s lng ngi s dng th tn dng ti Vit
Nam.
- Ngn hng viettinbank (2014), 23/11/2014 Hi tho a MPOS vo s dng ti
viettinbank.

Ting Anh
REVEL SYSTEMS POINT OF SALE SYSTEM MANAGEMENT CONSOLE
DATA SHEET , Mobile Point of Sale.
INTERNET
Website thuvienphapluat : http://thuvienphapluat.vn/archive/Bao-cao-18-BCNHNN-2013-thuc-hien-2453-QD-TTg-day-manh-thanh-toan-khong-dung-tienmat-2012-vb237267.aspx
Website chnh thc ca MPOS : mpos.vn
Website revelsystems : http://revelsystems.com/ wpcontent/uploads/2013/07/Mobile-iPad-POS-Datasheet2.pdf
Website http://www.emobilepos.com/