MT S PHNG THC THANH TON IN T

L Thanh Thu

2.1 Khi nim thanh ton in t Theo bo co quc gia v k thut Thng mi in t ca B thng mi: Theo ngha rng c nh ngha l vic thanh ton tin thng qua cc thng ip in t thay cho vic trao tay tin mt.

2.1 Khi nim thanh ton in t Theo bo co quc gia v k thut Thng mi in t ca B thng mi: Theo ngha hp, thanh ton trong Thng mi in t c th hiu l vic tr tin v nhn tin hng cho cc hng ho, dch v c mua bn trn Internet.

Li ch ca Thanh ton in t
I VI NGI MUA/BN
C thm cng c thanh ton chuyn khon hin i v tin ch. Hn ch cc ro cn v khng gian v thi gian giao dch Tit kim thi gian, chi ph v cng sc. Hn ch ri ro tin mt khi giao dch trc tip.

I VI NGN HNG
a dng ha cc sn phm dch v: home banking, internet banking, sms banking Gim chi ph, Tng hiu qu KD Th hin hnh nh mt ngn hng nng ng, hin i, to lp uy tn, khng nh v th. To ra mt loi tin mi: tin s ho

Hn ch ca Thanh ton in t
Mt th v M s PIN. Lm gi th tn dng. Hnh thc th nht: Ngi thanh ton b mt qut th thm mt ln vo mt thit b c bit c th c c ton b thng tin v th. Khi c y cc thng tin chng s nhanh chng lm mt chic th tng t v tin hnh mua bn hng ho nh bnh thng. Hnh thc th hai: ci nhng con chip in t tinh vi vo trong my tnh tin hoc my rt tin t ng. Sau ly nhng thng tin v cc th giao dch v tin hnh lm th gi

Cc phng tin thanh ton in t

Th thanh ton in t V in t Tin in t Sc in t.

TH THANH TON IN T

TH THANH TON

Phn loi th thanh ton

Cn c vo ch th pht hnh Th do ngn hng pht hnh Th do cc t chc th pht hnh Cn c vo tnh cht thanh ton Th tn dng (Credit Card) Th ghi n (Debit Card)

3.1 Mt s phng thc thanh ton

Th tn dng
2) M ho cc thng tin chi tit v th tn dng trc khi gi chng i thc hin bt c giao dch no bo v tt vi s gian di ca ngi bn hng hy dng cc h thng nh: Cybercash, Vefifone dng mt ng dng tr gip c tn l wallet (v ng tin) cho trnh duyt web v chuyn s th tn dng c m ha thng ti trnh server x l n(khng qua ngi bn hng) First vitual pht mt cht o (Virtual PIN) cho khch hng h dng cht ny thay cho th tn dng sau khi nhn c thng tin bn hng t ngi bn hng First Virtual s chuyn cht o thnh s ti khon th tn dng thanh ton mua hng
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Cc bn tham gia thanh ton th

Ngn hng pht hnh-NHPH (Issuing Bank) L thnh vin chnh thc ca cc T chc th quc t, c php pht hnh th. Cng c th l Ngn hng thanh ton. Ngn hng thanh ton-NHTT: (Acquiring Bank) L thnh vin chnh thc hoc lin kt ca t chc th quc t, hoc c Ngn hng pht hnh u quyn lm trung gian. c trch nhim tr tin cho cc c s chp nhn th, hoc im ng tin mt trc khi ch th thanh ton cho NHPH.
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Cc bn tham gia thanh ton th

C s chp nhn th CSCNT: (Merchant) L cc n v cung ng hng ho, dch v chp nhn thanh ton bng th. CSCNT phi k hp ng chp nhn thanh ton th vi Ngn hng thanh ton v phi c ti khon ti .

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Cc bn tham gia thanh ton th

Ch th (Card Holder): L ngi c Ngn hng pht hnh cho php s dng th, thanh ton tin hng ho, dch v ti CSCNT hoc rt tin mt ti Ngn hng i l hoc my ATM.

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Cc bn tham gia thanh ton th

T chc th Quc t - TCTQT

L hip hi cc t chc ti chnh, tn dng tham gia pht hnh v thanh ton th quc t, hin bao gm: Visa, Mastercard, American Express, JCB

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Sc in t (E-check)

Chim ti 11% tng cc giao dch trc tuyn. Ngi mua s in vo form (n ging nh mt quyn sc c hin th trn mn hnh) cc thng tin, sau nhn nt send hay submit gi i. C th c s dng bi tt c ngi tiu dng ca ngn hng m c ti khon sc.
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Sc in t (E-check)
L mt phin bn hay th hin in t ca sc giy Th hin tin b ca cng nghip ngn hng

V in t (e-wallet)
L mt b phn phn mm trong mt ngi s dng du tr cc s th tn dng v cc thng tin c nhn khc; Khi i mua hng trc tuyn, ngi dng ch n gin click vo v in t t ng in cc thng tin cn thit cho vic thc hin mua sm

TK ti VIB

VIB4U / TK V in t

Online Shopping

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Thanh ton trc tuyn vi webcertificate.com

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