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Bi 7

Cc h thng thanh ton in t

Thng Mi in T

Ni Dung
Cc phng php thanh ton trong TMT x X l giao dch vi th tn dng x Bo mt vi nghi thc SET x V tin in t (E-Wallet) x H thng tin in t x Th chip - Smart cards x Cc h thng thanh ton thng dng
x
2

C cn thit c thanh ton trn mng c th tin hnh E-commerce? Thng mi in t l phi c thanh ton qua mng. x Khng th thanh ton qua mng khng th p dng Thng mi in t?. x iu ny khng ng. Thng mi in t c nhiu mc .
x

Cc cp ca E-commerce
x

Cp 1 - hin din trn mng : doanh nghip c mt website trn mng. Tuy nhin mc ny, website rt n gin, ch l cung cp mt vi thng tin v doanh nghip v sn phm m khng c cc chc nng phc tp khc. Cp 2 c website chuyn nghip: cp ny, website ca doanh nghip c cu trc, c b tm kim ngi xem c th tm kim thng tin trn website mt cch d dng v h c th lin lc vi doanh nghip mt cch thun tin nht.
4

Cc cp ca E-commerce
x

Cp 3 - Chun b Thng mi in t : doanh nghip bt u trin khai bn hng hay dch v qua mng. Tuy nhin, doanh nghip cha c h thng c s d liu ni b phc v cc giao dch trn mng. Cc giao dch cn chm v khng an ton. Cp 4 p dng Thng mi in t : website ca doanh nghip lin kt trc tip vi d liu trong mng ni b ca doanh nghip, mi hot ng truyn thng s, d liu c t ng ha, hn ch s can thip ca con ngi v v th lm gim ng k chi ph hot ng. 5

Cc cp ca E-commerce
x

7
x

Cp 5 - Thng mi in t khng dy : doanh nghip p dng Thng mi in t trn cc thit b khng dy nh in thoi di ng, palm v.v s dng giao thc truyn s liu khng dy WAP (Wireless Application Protocal). Cp 6 - C th gii trong mt my tnh : cp ny, ch vi mt thit b in t, ngi ta c th truy cp vo mt ngun thng tin khng l, mi lc, mi ni v mi loi thng tin (hnh nh, m thanh, phim, v.v)
6

Cc cp ca E-commerce
Hu ht cc doanh nghip Vit Nam ang cp 1, 2 v mt s t cp 3. x VN, cha t c mc thanh ton qua mng, nhng khng c ngha l khng tn dng c Thng mi in t phc v cho vic kinh doanh ca doanh nghip. x i vi tnh hnh chung VN hin nay, doanh nghip nn tch cc tn dng Thng mi in t cho vic marketing v tm kim khch hng qua mng.
x
7

Cc yu cu trong thanh ton in t


x

S lng
q

Tin khng b mt hay c to ra trong qu trnh giao dch Tin v hng ha, dch v Tha nhn vai tr ca e-cash trong giao dch mua bn,.. Ch k in t

D trao i
q

Khng b t chi
q

Tin in t ???
x x x

x x x x x

Chp nhn rng ri Chuyn giao bi cc phng tin in t C th phn chia Khng qun, khng nh mt Ring t (khng ai bit s lng tin ngoi ngi ch) V danh (khng truy c ngi s hu) S dng off-line (eg. Khng nht thit phi kim tra trc tuyn) Hin nay cha c h thng no tha mn tt c cc yu cu trn
9

Gii thiu cc h thng thanh ton in t


x

C 3 phng php thng dng trong thc t


q Sc(Check),

th tn dng (credit card), v cash (tin mt)

4 phng php thanh ton in t


q Tin

in t (Electronic cash), v tin in t ( software wallets), th thng minh(smart cards), th tn dng (c/n credit/debit cards) q Scrip : tin in t do cc t chc pht hnh
10

Tin in t - Electronic Cash


x

x x

T sau nhng nm 1990, s m rng v ph bin ca Internet to ra phng thc mua hng v bn hng qua mng (thng mi in t). tng :tin giy s khng cn l phng thc thanh ton trong nhng phin giao dch na. Nm 2000 : bng n Internet mc quan trng nh du bc khi u ca tin in t (emoney). Nhng dch v thanh ton trc tuyn nh PayPal, cng nh s ph bin ca tin in t Nht Bn vi 15 triu ngi s dng... 11 a tin in t ln mt tm cao mi

Tin in t - Electronic Cash


x

Tin in t c bt u s dng t nhng nm cui ca thp k 90, da vo nhng d on v lng khch hng s dng th tn dng mua hng. Chuyn i tin giy sang tin in t (e-money) dng nh l mt gii php hp dn. Trong thi gian ny, nhng hot ng u tin ca tin in t bt u xm chim Web. Nhng loi tin ny vn cn qu t so vi vic s dng th tn dng. c s dng vi mc ch chnh l giao dch trc tuyn, cc loi tin ny c pht hnh bi cc cng ty nh Beenz.com, Flooz.com v mt s cc cng ty 12

Tin in t - Electronic Cash


Tuy nhin, vo thi k suy thoi nm 2000, rt nhiu cng ty "dot-com" c thnh lp, nhng nhanh chng b v v tr thnh cng ty "dot- bom". x Do , tin in t cn l vn cn phi cn nhc v xem xt li mt cch k lng, cn thn hn.
x

13

Tin in t - Electronic Cash


x

Tin in t (e-money hay cn c gi l digital cash) l mt h thng cho php ngi s dng cho c th thanh ton khi mua hng hoc s dng cc dch v nh truyn i cc con s t my tnh ny ti my tnh khc.

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Cc vn ca Electronic Cash
Tiu dng 1 ln !!!!! x Khng xc thc hay nh danh !!! ging nh thc t,
x
q Bo

v nhm phng chng s gi mo q T do cho, nhn, chuyn i bt chp cc yu t : a l, lu tr,...


x

Chia s, thun tin,...

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Tin in t - Electronic Cash


x

Ging nh serial trn tin giy, s serial ca tin in t l duy nht. Mi "t" tin in t c pht hnh bi mt ngn hng v c biu din cho mt lng tin tht no . Tnh cht c trng ca tin in t cng ging nh tin giy tht, n v danh v c th s dng li. Tc l, ngi mua hng s tr mt s tin no cho ngi bn hng v khng s c bt c phng thc no ly thng tin v ngi mua hng. cng l mt c im khc bit gia tin in t v h thng thanh ton th tn dng. 16

Tin in t - Electronic Cash


Thun tin khi thanh ton cho cc mt hng gi tr nh (< $10 )
giao dch phi tr khi s dng th tn dng khng ph hp trong cc trng hp ny q Micropayments
q Ph
x

Cc giao dch thanh ton m gi tr < $1

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Thanh ton bng E-cash


Merchant

5 4 Bank 3

2 1

1. NSD mua e-cash ti ngn hng 2. Ngn hng gi s hiu e-cash cho NSD 3. NSD tr tin cho ngi bn 4. Ngi bn kim tra tnh trng hp l ca e-cash vi ngn hng pht hnh 5. Ngn hng xc nhn tnh trng e-cash 6. Cc bn tham gia hon thnh giao dch : giao hng, nhn tin,... Lc ny e-cash ca ngi mua khng cn hp l 18

Consumer

Cch thc hot ng ca e-cash


x

Khch m ti khon c nhn ti ngn hng v xc lp nhn dng


q

Mt digital certificate c cung cp cho khch hng

x x

Sau khi kim tra ID certificate, ngn hng pht hnh e-cash v khu tr vo ti khon khch hng (bao gm ph dch v) Khch tr e-cash, ngi bn kim tra trnh s gian ln, gi mo Ngi bn gi e-cash n ngn hng pht hnh sau khi hon tt giao dch mua/bn
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Beenz Home Page

7
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Ct gi E-Cash
x

Hai phng php


q On-line

C nhn khng c quyn s hu x Xc thc da vo ngn hng trc tuyn (ni lu li thng tin ti khon tin mt khch hng)
x

q Off-line

Khch hng ct tin trn th t/v tin in t x M ha nhm chng trm cp, gian ln,...
x

21

CyberCash Mt cng ty tin phong trong lnh vc E-cash

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u/Khuyt ca tin in t
x

u im
q q q

hiu qu, chi ph thp Gim chi ph giao dch S dng d dng (khc vi th tn dng), khng cn phi thc hin cc thao tc chng thc Tht thu thu !!!(v ging nh tin mt) Chuyn tin vo ngn hng vi hnh thc ra tin D b gi mo
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Khuyt im
q q q

How to sign with blind fold?


x

1.Youencryptthemessage 2.Sendittothebank 3.Thebanksignsthemessage andreturnsit 4.Youdecryptthesigned message 5.Youspendit


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How? Basic: Sign anything

Bo mt cho E-Cash Security


x

Cc gii thut nhm pht hin s dng tin in t hn 1 ln S serial : ngn chn vic ra tin

25

Detecting Double Spending Figure 7-3

7
26

Tnh hnh E-Cash


x x x

Nht Bn: Tin in t pht trin mnh 15 triu ngi s dng tin in t. Tin in t c truy cp thng qua th thng minh hoc qua in thoi di ng (TD) c tch hp trong th thng minh v TD mua sm t nhng gian hng nh, nhng ca hng ln, nhng nh hng, cho ti siu th, nhng ca hng bn l... D bo nm 2008, Nht Bn s c khong 40 triu ngi dng - tc l s c ti 1/3 tng s dn nc ny s s dng tin in t.
27

H thng E-cash : trc kia v hin ti


x

E-cash khng ph bin


q Reasons
x

for lack of U.S. success not clear

Manner of implementation too complicated x Lack of standards and interoperable software that will run easily on a variety of hardware and software systems

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H Thng Checkfree

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H Thng Clickshare

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H Thng CyberCash

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H Thng eCoin

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H Thng MilliCent

7
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V tin in t Electronic Wallets


x

Th tn dng, tin in t, s ID v a ch ngi dng


q S
x

dng d dng, hiu qu

Eliminates need to repeatedly enter identifying information into forms to purchase x Works in many different stores to speed checkout
q Amazon.com

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An Electronic Checkout Counter Form

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V tin in t
Agile Wallet x eWallet x Microsoft Wallet
x

36

Microsoft Wallet

7
37

Phn loi th thanh ton


x

1. Phn loi theo cng ngh sn xut:


q

a. Th khc ch ni (EmbossingCard): da trn cng ngh khc ch ni.Hin nay khng cn s dng loi th ny na v k thut qu th s d b gi mo. b. Th bng t (Magnetic stripe): da trn k thut th tn vi hai bng t cha thng tin ng sau mt th. S dng ph bin trong 20 nm qua , Nhc im: do thng tin ghi trn th khng t m ho c, th ch mang thng tin c nh, khng gian cha d liu t, khng p dng c k thut m ho, bo mt thng tin... c. Th thng minh (Smart Card): y l th h mi nht ca th thanh ton, th c cu trc hon ton nh mt my vi tnh. 38

Phn loi th thanh ton


x

2. Phn loi theo tnh cht thanh ton ca th:


q

a. Th tn dng (Credit Card): l loi th c s dng ph bin nht, theo ngi ch th c php s dng mt hn mc tn dng khng phi tr li mua sm hng ho, dch v ti nhng c s kinh doanh, khch sn, sn bay ... chp nhn loi th ny.
x

Gi y l th tn dng v ch th c ng trc mt hn mc tiu dng m khng phi tr tin ngay, ch thanh ton sau mt k hn nht nh. Cng t c im trn m ngi ta cn gi th tn dng l th ghi n hon hiu (delayed debit card) hay chm tr. 39

Phn loi th thanh ton


q

b. Th ghi n (Debit card): y l loi th c quan h trc tip v gn lin vi ti khon tin gi. Loi th ny khi c s dng mua hng ho hay dch v, gi tr nhng giao dch s c khu tr ngay lp tc vo ti khon ca ch th thng qua nhng thit b in t t ti ca hng, khch sn ... ng thi chuyn ngn ngay lp tc vo ti khon ca ca hng, khch sn... Th ghi n cn hay c s dng rt tin mt ti my rt tin t ng.
x

Th ghi n khng c hn mc tn dng v n ph thuc vo s d hin hu trn ti khon ca ch th. 40

Th chip - Smart Cards


x

Bng plastic, cha 1 vi mch


th thay th tin mt q Cha thng tin nhiu hn 100 ln so vi th t dng m vch q Cc thng tin c m ha, khc vi th tn dng : s hiu ti khon xut hin ngay trn th. Do vy ngn nga kh nng nh cp thng tin ti khon
q C
41

Th chip - Smart Cards


x x

Xut hin v s dng khong 15 nm t thng dng ti USA , ph bin ti u Chu, c v Nht L do : Cc my c v gii m th t thng dng v ph bin (USA) Hin nay dn xut hin v ph bin tr li, tuy nhin ph thuc vo :
q q

Cc ng dng m th chip sn sng h tr Tng thch gia th, my c th v cc ng dng


42

X L Th Mondex Smart Card

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43

PKI Smart Card


x

Cp kho c sinh bn trong th, kho ring c bo mt tuyt i trong Th thng minh vi thut ton m ho RSA 1024-bit. Th thng minh, nh mt my tnh thu nh. Mt cng c c ng, vi kh nng chng gi mo an ton cho cc kho m ho, kho xc thc v cc thng tin nhy cm. Hot ng c lp vi my tnh trong xc thc, ch k in t, v trao i kho... Kho ring c lu tuyt mt bn trong vi chp ca th thng minh PKI.
44

PKI Smart Card


x

x x

x x

Qu trnh to ra ch k s c to ra hon ton bn trong th thng minh PKI. Kho m ho ca mi phin giao dch c sinh ra bi th. PIN xc thc quyn s dng th. Tun theo chun Quc t ISO 7816, EN 7263. H tr a ng dng. 1024-bit RSA.
45

PKI Smart Card


Th c bo v bng PIN, h tr nhiu chng thc v cp kho lu trong th. x H tr giao tip vi cc h thng qun l chng thc s khc . x Cp chng thc s tun theo chun X509 quy nh v cu trc ca chng thc s do ITU ban hnh.
x
46

Phn loi th thanh ton


C hai loi th ghi n c bn:
Th online: l loi th m gi tr nhng giao dch c khu tr ngay lp tc vo ti khon ch th. q - Th offline: l loi th m gi tr nhng giao dch c khu tr vo ti khon ch th sau vi ngy.
q-

47

Phn loi th thanh ton


x

c. Th rt tin mt (Cash card): l loi th rt tin mt ti cc my rt tin t ng hoc ngn hng. Vi chc nng chuyn bit ch dng rt tin, yu cu t ra i vi loi th ny l ch th phi k qu tin gi vo ti khon ngn hng hoc ch th c cp tn dng thu chi mi s dng c.
q q q

Th rt tin mt c hai loi: Loi 1: ch rt tin ti nhng my t ng ca Ngn hng pht hnh. Loi 2: c s dng rt tin khng ch Ngn hng pht hnh m cn c s dng rt tin cc Ngn hng cng tham gia t chc thanh ton vi Ngn hng pht hnh th. 48

Phn loi th thanh ton


x

3. Phn loi theo phm vi lnh th:


q Th

trong nc: l th c gii hn trong phm vi mt quc gia, do vy ng tin giao dch phi l ng bn t ca nc . q Th quc t: y l loi th c chp nhn trn ton th gii, s dng cc ngoi t mnh thanh ton.

49

Phn loi th thanh ton


x

4. Phn loi theo ch th pht hnh:


q Th

do Ngn hng pht hnh (Bank Card): l loi th do ngn hng pht hnh gip cho khch hng s dng mt s tin do Ngn hng cp tn dng. q Th do t chc phi ngn hng pht hnh: l loi th du lch v gii tr ca cc tp on kinh doanh ln hoc cc cng ty xng du ln, cc ca hiu ln... pht hnh nh Diner's Club, Amex...
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Ngi Mua Trn Mng


x

Trong thanh ton B2C qua mng, i a s ngi mua dng th tn dng thanh ton. Th tn dng l loi th Visa, MasterCard... c tnh quc t, ch th c th dng c trn ton cu. Tn gi l tn dng v ch th dng trc tin ca ngn hng chi tr, n cui thng ch th mi phi thanh ton li cho ngn hng.
51

Ngi Mua Trn Mng


x

Vit Nam, c nhn hay t chc c th ng k lm th tn dng vi cc ngn hng nh ACB, Vietcombank... Trn th c cc thng s sau:
q q q q q q

hnh ch s hu th h v tn ch s hu th s th (Visa Electron v MasterCard u c 16 ch s) thi hn ca th mt sau th c dng s an ton (security code) ti thiu l ba ch s mt s thng s khc cng vi cc chip in t hoc vch t (magnetic stripe)
52

Ngi Mua Trn Mng


x

Ch th cng c cung cp PIN Code (Personal Information Number M s c nhn) khi rt tin t my, ch th phi nhp ng PIN Code ny th my mi x l yu cu rt tin. Trong thanh ton trc tuyn, ch s hu th khng cn qut th cng nh khng cn cung cp thng tin v PIN Code. Vy lm sao m bo an ton cho ch th khng b ngi khc s dng tri php th ca mnh?
53

Ngi Mua Trn Mng


x

Mt thng s khc c th c s dng b sung: thng tin v a ch nhn ha n thanh ton vic s dng th do ngn hng gi cho ch th. Nhng thng tin v th tn dng ngi mua phi khai bo khi thc hin vic mua qua mng gm:
q q q q

S th (16 ch s c in trn mt trc th) H tn ch s hu in trn th Thi hn ht hn ca th, cng in trn mt trc th M s an ton (security code) l ba ch s cui cng in trn mt sau ca th. Thng s ny khng bt buc
54

Ngi Mua Trn Mng


a ch nhn ha n thanh ton vic s dng th do ngn hng gi cho ch th. Thng s ny cng khng bt buc phi cung cp, ty website c yu cu hay khng. x Hin giao thc thanh ton qua mng c s dng l SET (Secure Electronic Transaction Giao dch in t an ton) do Visa v Master Card pht trin nm 55 1996.
x

Merchant Account l g ?
Merchant account l mt ti khon ngn hng c bit x Cho php doanh nghip khi kinh doanh c th chp nhn thanh ton bng th tn dng. x Vic thanh ton bng th tn dng ch c th tin hnh thng qua dng ti khon ny.
x
56

Payment gateway l g ?
L mt chung trnh phn mm x Phn mm ny s chuyn d liu ca cc giao dch t website ca ngi bn sang trung tm thanh ton th tn dng hp thc ho qu trnh thanh ton th tn dng.
x

57

Cc bc thc hin
M mt th tn dng mua qua mng dch v x l thanh ton qua mng. Hoc nh cng ty cung cp dch v TMT thc hin gip. t M mt ti khon thanh ton bng tin dollar M ngn hng, ti khon ny l ni nh cung cp dch v x l thanh ton qua mng s gi tin v cho doanh nghip theo nh k.
t
58

Cc bc thc hin
t

Chn mt nh cung cp dch v x l thanh ton qua mng sau khi nghin cu dch v ca mt s nh cung cp v mi nh cung cp c mt s iu khon quy nh, mc ph... khc nhau.
t t t t t t t

Paypal (www.paypal.com) 2checkout (www.2checkout.com) InternetSecure (www.internetsecure.com) Worldpay (www.worldpay.com) Clickbank (www.clickbank.com) ShareIt (www.shareit.com) Digibuy (www.digibuy.com)
59

Tnh ph dch v
x

7
x

Cch tnh ph dch v ca cc nh cung cp dch v x l thanh ton qua mng thng thng nh sau:
t

Chi ph khi to dch v: t vi chc dollar M n vi trm dollar M, tr mt ln duy nht. Chi ph cho mi giao dch = chi ph c nh + % gi tr giao dch 2checkout c mc ph khi to l 49 dollar M v mc ph cho mi giao dch l $0.45 + 5.5% gi tr giao dch.
60

V d:
q

Lu
x

Thanh ton B2B thng khng c thc hin trc tuyn bng th tn dng v gi tr giao dch ln, nn trong B2B doanh nghip s thc hin thanh ton nh trong xut nhp khu hoc ra nhng lnh chuyn tin trc tip t ngn hng ca ngi mua n ngn hng ca ngi bn.
61

X l mua bn vi th tn dng

7
62

7
63

Qui Trnh Mua Bn Tng Qut


x Ngi

mua t lnh mua trn website ca ngi bn sau khi chn hng ha. Sau ngi mua khai bo thng tin th tn dng ca mnh.

64

Qui Trnh Mua Bn Tng Qut


x

Thng tin th tn dng ca ngi mua c chuyn thng n ngn hng ca ngi bn (trong trng hp ngi bn c Merchant Account xem gii thch bn di) hoc chuyn thng n nh cung cp dch v x l thanh ton qua mng (gi l Third Party Bn th ba) m ngi bn chn. Thng tin th tn dng khng c lu trn server ca ngi bn, do , hn ch kh nng b hacker nh cp thng tin. 65

Qui Trnh Mua Bn Tng Qut


Ngn hng ca ngi bn hoc Bn th ba ny s kim tra tnh hp l ca th vi ngn hng ni pht hnh th, thng qua giao thc SET. Vic kim tra ny c thc hin t ng rt nhanh, trong vng vi giy. x Ngn hng pht hnh th s phn hi (c m ha theo quy nh) cho ngn hng ca ngi bn hoc bn th ba v 66 tnh hp l ca th.
x

Qui Trnh Mua Bn Tng Qut


Sau thng tin ny c gii m v gi v cho ngi bn. x Ngi bn da trn thng tin phn hi ny quyt nh bn hay khng bn. Nu bn th s gi email xc nhn cng nh ha n v cc vn bn cn thit khc cho ngi mua, ng thi x l n hng. Nu khng bn th giao dch coi nh kt thc, ngi bn cng gi thng ip cho ngi mua, nu r l do khng bn.
x
67

S khc bit gia ngi bn c Merchant Account v khng c


x

Ngi bn c Merchant Account: vic xin c Merchant Account khng phi d dng, i hi ngi bn phi a phn phi l M, phi c k qu cho ngn hng, phi c bng chng m bo uy tn kinh doanh trn mng... v trng hp ny h c truy cp trc tip vo c s d liu ca cc ngn hng kim tra tnh hp l ca th.
68

S khc bit gia ngi bn c Merchant Account v khng c


x

Ngi bn khng c Merchant Account: khng phi ngi bn no cng c th xin c Merchant Account, nhng nhu cu bn hng qua mng th rt cao, t c nhiu cng ty xin Merchant Account cung cp dch v x l thanh ton qua mng cho cc doanh nghip khc. Nhng cng ty ny c gi l Third Party (Bn th ba) hoc Online Payment Processor (Nh x l thanh ton qua mng).
69

Tm tt cc bc giao dch
1. 2.

3.

4.

Ngi bn cung cp n t hng ti mt a ch website bo mt SSL (Secure Socket Layer). Vi t cch l ngi mua hng, bn chn nhng mt hng bn cn v in vo th tn dng v nhng thng tin lin lc, thng tin v sn phm. Mt mn hnh hin ln vi y mi thng tin, cho php bn xc nhn n t hng v xem tt c cc d liu c nhp vo. My ch website a thng tin n dch v kim tra thanh ton th tn dng i chiu a ch ca khch hng trn n t hng c khp vi i ch ca ngi gi th hay khng v xem hn mc tn dng ca th. Nu nh tt c cc thng tin u ng v th khng b li, th qu trnh thanh ton s c thc hin trong vi giy. 70

Tm tt cc bc giao dch
1.

2. 3.

4. 5.

Nu phn mm shopping cart cho php, mt bin lai kim tra xc thc vic mua hng c gi bng email s gi n cho bn. Sau ngi bn x l n t hng v hng c gi i. Trung tm thanh ton th gi thng bo dch v kim tra th tn dng l hng va c gi i. Ngi bn khng thu tin trc tip t ngi mua v chi ph mua hng c tnh vo ti khon ca ngi gi th cho n khi hng c chuyn i. Dch v kim tra th tn dng gi yu cu thanh ton ti ngn hng pht hnh th. Ngn hng pht hnh th chp nhn chuyn tin ti ngn hng ca ngi bn. Thng thng trong vng 48 n 72 gi, tin t ng c chuyn vo ti khon ngn hng ca ngi bn t ti khon ngn hng ca ngi mua 71

Bo mt khi thanh ton


Vic bo mt trong khi thanh ton qua mng l vn chin lc v l trng tm hng u trong TMT. x Hin nay, trong vic thanh ton qua mng, cc t chc tn dng v cc nh cung cp dch v x l thanh ton th tn dng trn th gii p dng cng ngh bo mt cao cp l SET
x
72

SET l g?
x Do

MasterCard , Visa cng cc cng ty Microsoft, Netscape, IBM, GTE, SAIC,... thit k x L mt nghi thc tp hp nhng k thut m ho v bo mt nhm mc ch m bo an ton cho cc giao dch mua bn trn mng.
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SET l g?
y l mt k thut bo mt, m ha x SET c thit lp bo mt nhng thng tin v c nhn cng nh thng tin v ti chnh trong qu trnh mua bn v giao dch trn mng.
x
q Contrasted

with Secure Socket Layers (SSL) protocol, SET validates consumers and merchants in addition to providing secure transmission
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SET l g?
Nhng tiu chun v cng ngh SET c p dng v th hin nht qun trong cc doanh nghip, cc ngn hng/cng ty cp th, t chc tn dng v trung tm x l th tn dng qua mng. x Ngoi ra, SET thit lp mt phng thc hot ng phi hp tng h (method of interoperability) nhm bo mt cc dch v qua mng trn cc phn cng v phn mm khc nhau.75
x

Vi SET th cc thnh phn tham gia TMT c hng nhng li ch g


Doanh nghip (ngi bn) c bo v khng b mt hng ho hay dch v bi:
q

Nhng th tn dng khng hp l. Ngi ch th khng ng chi tr. Giao dch mua bn khng c s ng gia cc thnh phn tham gia vo giao dch hoc cc giao dch khng hp l (Th tn dng khng hp l, ngi bn gi danh...) Khng b nh cp th tn dng. Khng b ngi bn gi danh
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Ngn hng c bo v bi:


q

Ngi mua c bo v :
q q

Nhng iu lu
x

Ri ro khi gp gian ln trong thanh ton qua mng: ngi bn s chu mi thit hi, va khng nhn c tin, va b mt $10 - $30 cho mi giao dch gian ln. Nh cung cp dch v thanh ton qua mng gi tin cho ngi bn theo nh k hng thng (c th hng tun nu tng gi tr giao dch ln), tuy nhin, tng gi tr giao dch trong thng phi ln hn mt mc quy nh (nh 2checkout quy nh mc $600) th h mi gi, nu thp hn, h s cng dn vo thng sau. Mi ln gi nh th c th pht sinh chi ph, tuy khng nhiu.
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Gim thiu ri ro trong thanh ton bng th


1.

7
2.

Lun phi kim tra a ch ca khch hng. iu ny c th t ng thc hin bng h thng kim tra a ch (Address Verification System - AVS). H thng ny so snh a ch ca khch hng ghi trn ho n ca nh pht hnh th vi a ch trn n t hng ca h m bo rng khch hng l ch th hp php. a ch chuyn hng v a ch ho n phi khp nhau. Mt s nh kinh doanh khng chp nhn n t hng ni m i ch chuyn n khc vi a ch gi i nht l i vi khch hng quc t.
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Gim thiu ri ro trong thanh ton bng th


1.

7
2.

Hy kim tra cc n t hng c a ch email min ph. Mt khi k trm ly c s th tn dng v a ch h cn th c mt iu na m h cn hon thin qu trnh la o ca mnh l a ch email khng ai c th pht hin c. l l do ti sao t l n t hng c cc a ch email min ph ny li cng gia tng. Kt qu l nhiu nh kinh doanh khng chp nhn n t hng hoc t nht l thc hin nhng bc kim tra ph. Kim tra website ca khch hng nu c th xc nh a ch URL trn website ca khch hng bng cch n gin a "www" vo trc phn th hai ca i ch email. Mt s nh kinh doanh cn cn thn hn l h 79 kim tra ai c tn min.

Gim thiu ri ro trong thanh ton bng th


1. 2. 3.

4.

Kim tra cc n t hng khi thy l. K trm thng t nhng n t hng rt khc vi nhng n t hng thng thng. Gi in cho khch hng nu c nghi ng. Thu thp tt cc d liu v n t hng c th. C gng loi b cc n t hng gian tr v thu li s tin b mt mt. Cng c nhiu d liu v n t hng cng tt, bao gm a ch v s in thoi khch hng, tn ngn hng pht hnh th v a ch IP (Internet Protocol) ni t n t hng. Thng bo r rng cho khch hng trn website l ta c cc thit b bo v.
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Gim thiu ri ro trong thanh ton bng th


1. 2.

3.

4.

Khng vi phm mi tho thun gia ta v khch hng. Nu s dng cc dch v kim tra th phi m bo l dch v ng tin cy. Tt nht l kim tra bng cc dch v tinh vi chng gian ln nh CyberSource's.Nhng dch v ny t ng kim tra gip bn v gim s c xung mc thp nht. S dng SET (Secure Electronic Transaction) hoc phng php Microsoft Wallet vi cc chng ch s ho kim tra khch hng n thm website.
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Bi K Sau Marketing trong Thng Mi in T

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