THANH TON TRC TUYN TI

VIT NAM V GII PHP NG

DNG V IN T PAYOO

GVHD: Ths on Ngc Duy

Linh
Nhm TH: Friends
Lp: HQT4LT

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 TNG QUAN THI
TRNG V NHU CU

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THANH TON TRC TUYN

(Ngun: V Thng mi in
t)

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 BT CP TRONG THANH
TON
Tin mt khi giao hng: bt tin v mt qun l,
i sot dng tin v rt gii hn v mt a l.

Chuyn tin qua Bu in: bt tin v mt thi

gian v cng sc cho c ngi mua ln ngi bn.

Th tn dng (Credit card)

- i vi ngi dng: cha ph bin, lo ngi v vn
bo mt thng tin khi a thng tin th vo giao dch
trn mng. Nm 2007 tng thit hi do gian ln th
tn dng M l 3.2 t USD (Ngun: Celent
Communications).
- i vi doanh nghip: tn chi ph cao cho Merchant
Account v dch v thanh ton th qua mng.
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 CC M HINH THANH TON
IN T VIT NAM

Cngthanh
Cng thanhton
tonVisa
Visa/ /Master
Master
(InternetMerchant
(Internet MerchantGateway)
Gateway)

Ktni
Kt niin
inthoi
thoidi
ding
ngvi
viti
ti
khonNgn
khon NgnHng
Hng

Xydng
Xy dngknh
knhphn
phnphi
phiPOS
POS
(Pointof
(Point ofSales)
Sales)

V in
V in t
t

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 NHU CU THI TRNG

H thng giao nhn H thng giao nhn

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 Li ch ca TTTT

Khng b ph thuc vo thi gian,

giao dch bt k lc no 24/24.
Hn ch ri ro v bt tin trong thanh
ton bng tin mt.
Chi ph giao dch gim ng k.
Tit kim thi gian, khng vng ngi
mt a l.
GII THIU VIETUNION

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 CNG TY VIETUNION

VietUnion l thnh vin Tp on u t Si Gn -

Saigon Invest Group (SGI).

C ng sng lp
Cng ty c phn Cng ngh Vin thng Si Gn (SaigonTel)
Ngn hng Thng mi C phn Nam Vit (Navibank)
Cc chuyn gia trong lnh vc cng ngh thng tin v qun tr
ngn hng ca Tp on u t Si Gn.

nh hng xy dng mt nn tng giao dch an

ton v tin li cho s pht trin ca thng mi
in t ti Vit Nam.

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 M HINH
V IN T PAYOO

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 CHIC KET V CHIC V

Ti khon Payoo c Np tin t

Ngn hng xem nh mt Kt vo
ca khch chic V, ch V giao
hng c th gi mt s tin dch trc
c coi l cn thit cho tuyn
mt chic vic chi tiu
Kt gi trong mt thi
tin. gian ngn.

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 TM NHIN
Chin lc pht trin ca VietUnion hng n vic xy
dng Payoo tr thnh h thng thanh ton in t kt
ni 3 cng ng

Ngn Hng Doanh

Nghip

Ngi
Tiu Dng

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13
 LI CH CUA PAYOO
Vi Ngi tiu dung

Mua c hng ha ng cht

lng nhng vi chi ph thp hn
do gim cc khu trung gian, i
l,

C th hon tt ton b cc cng

on mua sm ngay ti nh,
gim vic i li mua sm v
thanh ton nh vi cc hnh thc
thanh ton truyn thng.

V in t bo v ngi tham gia

giao dch in t, gip h yn
tm hn.

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 LI CH CUA PAYOO
Vi Doanh nghip

Loi b hon ton n t hng

gi

M rng, pht trin th trng

vi hnh thc thanh ton nhanh
chng, d dng, khng b gii
hn a l.

Tit kim nhn lc v chi ph

qun l ca doanh nghip.

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 LI CH CUA PAYOO
Vi Ngn hng

Ti khon ngn hng tr thnh

ti khon a chc nng, iu
ny rt c ngha trong vic thu
ht thm khch hng, gia tng
khi lng giao dch qua Ngn
hng.

Ngn hng tit kim c khon

u t ln cho vic t mnh xy
dng, pht trin v duy tr dch
v V in t.

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 PAYOO CC NG DNG
CHNH
PayNow - Thanh ton B2C

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 PAYOO CC NG DNG
CHNH
PayMe - Thanh ton C2C

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 PAYOO CC NG DNG
CHNH

Thanh ton ha
n, ph hng
Quyn gp, gy
thng PayBill
qu PayDonate
Thanh ton ha n v
ph dch v hng thng Trin khai cc chng
nhanh chng qua knh trnh quyn gp / gy
Internet hoc in thoi qu trn phm vi ton
di ng. quc mt cch d
dng v tin li.
To ra s hin i, tin
li ti a cho ngi dn
vi vic ng ph cho
cc dch v cng. 19
LI TH VT TRI
CUA VIETUNION

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 LI TH VT TRI CUA
VIETUNION
uy tn v nng lc k thut

Sn sng v bo mt v an ton giao

dch

Sn sng v chng gian ln trong giao

dch

C kh nng ti chnh vng mnh.

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 AN NINH BO MT H
THNG
T vn:
nh gi bo mt bi
cng ty Falcon, chuyn
gia t vn bo mt hng
u Vit Nam
Hp tc vi VeriSign
Cng ty bo mt hng
External Security: u th gii Internal Security:
Bo mt login:
Hp tc cung TUV, cng
+ Bn phm o ty hng u v ISO ca
+ OTP (optional) c, xy dng ISO 27001.
+ Token (optional) Kin trc a tng, a lp
M ha d liu trao i firewall.
(chng nhn SSL ca Intrusion Detection
Verisign) System.
Tch hp th nghim Watchdog.
bng h thng sandbox M ha mt chiu d liu
ring. quan trng ca khch
Ch k in t. hng.
H tr khch hng:
Kh nng h tr 24/7 cho
mt s lng ln khch
hng.
i sot cht ch vi i
tc v ngn hng.
Fraud Detection System.

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 I TC CUA VIETUNION
i tac Nc ngoai
VeriSign
Cng ty bo mt trc tuyn hng
u th gii, chim 95% th phn
chng thc in t trn ton th
gii.
Hp tc vi VietUnion cung cp
Dch v Bo v xc nhn thng tin
c nhn (VIP) cho cc c quan nh
nc, dch v ti chnh v t chc
thng mi in t Vit Nam.
Theo , dch v VIP se c trin
khai trn mng VIP vi One-time
Password dng chung cho phep
khch hng s dng mt thit b
bo mt duy nht trn bt ky
website no c tnh nng VIP.

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 I TC CUA VIETUNION
i tac Ngn hang

Ngn hng Nng nghip v Pht

trin Nng thn Vit Nam
Agribank
Ngn hng Cng thng Vit
Nam - Vietinbank
Ngn hng Si Gn Thng Tn
Sacombank
Ngn hng TMCP Nam Vit
Navibank
Ngn hng TMCP Vit - Viet A
Bank
Ngn hng Tin Phong
TienPhongBank
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 I TC CUA VIETUNION
i tac ln trong nc
i tc ln trong nc
Vin Cng ngh Vin thng
Viettel Post
EVN H Ni
Cng ty ng St Si Gn
Fitech
Net-Com ng Nam
Bo Doanh nhn Si Gn.

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 I TC CUA VIETUNION
i tac khac
n v bo tr
Cc Thng mi in t v
Cng ngh Thng tin - B Cng
Thng
Phng Chng ti phm cng
ngh cao C15 B Cng An
VNCERT

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 CAM KT VI KHCH HNG

An ton thng tin

2A An ton giao dch

D np tin vo V in T
D mua bn bng V in T
4D D rt tin t V in T
Dch v gi tr gia tng a dng

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KIN NGHI

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 Kin ngh thc y TTTT pht
trin
Thay i tm l ngi tiu dng.
Doanh nghip nng cao nhn thc v
li ch ca TMT v TTTT trong kinh
doanh.
Hon thin h tng K thut, h
thng ngn hng c tch hp v
kt ni y .
CHN THNH CM N!