Thanh Toan Truc Tuyen - Nhom Mistletoe - TA13B

8/3/2019 Thanh Toan Truc Tuyen - Nhom Mistletoe - TA13B

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CC HNH TH

C THANH

TON TRC TUYNGVHD: TRNG MINH HA

Nhm Mistletoe TATM 13B

27 Thng 11 Nm 2011

TRNG CAO NG KINH T I NGOI

KHOA THNG MI QUC T___________


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THNG MI IN T

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MC LC

LI NI U................................................................ ................................................................. 3

I. THC TRNG THANH TON IN T VIT NAM HIN NAY. .......................... 4

II. THANH TON TRC TUYN L G?

............................................................................ 6III. CC LOI HNH THC THANH TON TRC TUYN. ............................................. 7

1) Thanh ton bng th: ....................................................................................................................7

a. Th tn dng (Credit Cards):....................................................................................................7b. Thanh ton bng th ghi n (Debit Card): .............................................................................8

2) Thanh ton da trn ti khon: ....................................................................................................9

a. Thanh ton bng sc in t :................................................................................................ 9

b. Cc dch v thanh ton trung gian khc:.................................................................................9c. Thanh ton bng Online Banking..........................................................................................10d. H thng thanh ton bng ti khon thng qua thit b di ng v in thoi .................11

3) Thanh ton bng cc loi tin in t: .......................................................................................12a. Kt tin in t:....................................................................................................................12b. Cc loi tin t trc tuyn nh MoneyBooker, Alertpay, E-gold, Libertyreserve, C-gold,Web Money..................................................................................................................................12

IV. CC DCH V THANH TON TRC TUYN PH BIN QUC T....................... 12

1) Paypal ......................................................................................................................................... 122) Worldpay.....................................................................................................................................133) Google Checkout.........................................................................................................................13

V. CC DCH V THANH TON TRC TUYN VIT NAM. ................................... 14

1) Cng Ngn Lng: .....................................................................................................................14

2) Cng v in t VnMart: ............................................................................................................. 153) V in t Payoo..........................................................................................................................154) Cng OnePay:............................................................................................................................. 165) V in t Baokim.vn:..................................................................................................................16

VI. CC IU KIN THAM GIA THANH TON QUC T VIT NAM.................... 16

1) i vi ngi s dng dch v. ...................................................................................................162) i vi doanh nghip bn hng: ................................................................................................16

VII. QUY TRNH THC HIN THANH TON TRC TUYN ......................................... 17

VIII. NHNG HN CH TRONG THANH TON TRC TUYN TI VIT NAM..... 19

IX. NHN XT V NH GI V CC LO I HNH THANH TON TRC TUYNTI VIT NAM........................................................................................................................ 20


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CC HNH THC THANH TON TRC TUYN GVHD:TRNG MINH HA

Trang 3Nhm Mistletoe TATM13B

LI NI U

Nh chng ta thy, khoa hc cng ngh mi ngy mt pht trin gip cht lng cuc sng

ca con ngi c n ng cao. Ngy nay, cng ngh in t ang rt pht trin, c bit l mngInternet. Chng ta c th thy rng Internet kt ni mi ngi trn ton cu li, khong cchca con ngi c gim i ng k. Internet pht trin em li nhiu li ch tuy t vi chongi trn nhiu lnh vc: truyn thng, gio dc, in nhv c bit l trong thng mi.Ngy nay, khi giao dch in t xut hin v c a vo ng dng, chng ta khng cn phicm tin mt i n ngn hng hay cm th i giao dch mt cch trc tip nathay vo

chng ta c th nh v thc hin cc giao dch mt cch thun tin, nhanh chng tit kim thigian, cng sc mt trong nhng dch v m giao dch in t em li l vic thanh tontrc tuyn. Chng ta s cng tm hiu thanh ton trc tuyn v nhng li ch m thanh ton

truyn mang li.


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THNG MI IN T

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I. THC TRNG THANH TON IN T VIT NAM HIN NAY.

Thng mi in t (TMT) electronic commerce hay e commerce khng cn xa l i vi

ngi Vit. c bit n nhiu t nm 2006 -2007 v thc s khi sc t nm 2008, thng mi

in t t nm 2008 n nay pht trin vt bc v gp phn ng k trong vic hin i hax hi Vit Nam. Mt trong nhng nhn t gp phn lm bng n thng mi in t VitNam c bit l cc hnh thc thanh ton trc tuyn (TTTT) Vit Nam l s pht trin ca

mng Internet gip kt ni Vit Nam ra ton th gii.

Theo s liu thng k ca cc TMT v CNTT B Cng Thng:

- S ngi s dng Internet trong nm 2008 chim ti 25% dn s v con s ny s cntng ln trong tng lai, Vit Nam ang c nhng thun li ln trong vic pht trinTMT trong c TTTT.

- T l thanh ton bng tin mt trong tng phng t in thanh ton gim xung cn 14 %(nm 2007 l 18%).

- S lng website TMT cung cp dch v TTTT c s pht trin nhy vt. Nu nm

2007 ch c mt vi website TMT cung cp dch v ny th nm 2008 c trn 50website ca cc doanh nghip thuc nhiu l nh vc khc nhau nh ngn hng, hngkhng, du lch, siu th bn hng tng hp trin khai thnh cng vic cung cp dch v

TTTT cho khch hng.

Doanh thu m doanh nghip thu c t TMT cng c chiu tch cc: 35,6% doanh nghip cdoanh thu t TMT chim di 5% trong tng doanh thu, trong l c ti 38,07% doanh

nghip c doanh thu t TMT chim trn 15% trong tng doanh thu ca mnh (s liu nm2008).


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Khi so snh s liu cc nm trc th c th thy rng TMT ngy cng gp phn nhiu trongtng doanh thu ca doanh nghip, doanh thu TMT chim trn 15% trong tng doanh thu nm

2008 tng 4% so vi nm 2007 v mc doanh thu t TMT chim di 5% trong tng doanh

thu nm 2008 gim 9% so vi nm 2007, v y l iu ph hp vi xu th p ht trin chungca th trng.

Quy m th n a v th quc t ti Vit Nam t 2005-2008


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khc nhau. Ph bin hin nay phi k n: PayPal(PP), AlerPay (AP), LibertyReserve (LR),

MoneyBookers (MP), Webmoney (WMZ, WME,WMR), Neteller...

Do nu chng ta mun thc hin gi ao dch trc tuyn qua Internet th trc tin chng ta phi

c mt ti khon o trn mt trang web thanh ton trung gian (payment gateway), sau ti

khon o s c kt ni vi ti khon ngn hng (sau khi chng ta ng k dch v thanhton trc tuyn ti ngn hng) v chuyn tin t ti khon ngn hng thng qua ti khon o

giao dch.

Bn c nhiu cc ti khon ti cc dch v trung gian khc nhau th bn s cng giao dch v sdng uc nhiu loi tin o khc nhau thun tin trong thanh ton trc tuyn.

III. CC LOI HNH THC THANH TON TRC TUYN.

Hnh thc thanh ton trc tuyn hin nay c chia lm 3 loi chnh:

1) Thanh ton bng th:L phng thc thanh ton c trng nht ca cc giao dch thng mi trc tuyn trn Internet.Thanh ton bng th tn dng chim ti 90% tng cc giao dch TMT. Phng thc thanh tonny gip cho ngi mua hng trc tuyn trn mng c th nhanh chng hon thin c nhnggiao dch thng mi vi mi i tc trn ton cu.Hnh thc thanh ton bng th c chia lm hai loi chnh:

a. Th tn dng (Credit Cards):

V d: Visa, MasterCard, Amex, Diners

Quy trnh:

- Ngi mua hng sau khi quyt nh mua hng s nhp cc thng tin v th tn dng ln

trang web ca ngi bn;- Cc thng tin th tn dng c gi thng ti Ngn hng m Merchant Account (hoc

bn cung cp dch v thanh ton) m khng lu li my ch ca ngi bn;- Ngn hng m Merchant Account gi cc thng tin th tn dng ti ngn hng cp th tn

dng;- Ngn hng cp th tn dng sau khi kim tra cc thng tin s phn hi li cho ngn hng

m Merchant Account. Phn hi c th l chp nhn thanh ton (ghi c cho ti khon cangi bn) hoc t chi.

- Da trn phn hi ca ngn hng cp th tn dng, ngi bn s thc hin n hng hoct chi.

Ton b qu trnh ch din ra trong vng vi giy, ngi mua s b tr tin v ng thi ngibn cng s nhn c khon thanh ton trong vi giy.

u im:- Cch s dng n gin, c s dng ph bin trn phm vi rng;- Tit kim chi ph giao dch, thi gian ;- Thu ht c nhiu khch hng, m rng c th trng, m rng qui m kinh doanh

nh vic thanh ton nhanh, gn , thun tin;


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THNG MI IN T

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- Khng phi n ngn hng, khng phi x l sc khng, khng phi mt nhiu thi gianx l cc n t hng v nhiu cng vic giy t phin toi khc tc l ch ngi mtni v thc hin vic thanh ton qua mng internet.

Nhc im:- D pht sinh ri ro mt tin hoc b tr tin nhiu khi thanh ton trc tip t th v thanh

ton t ng nh li h thng, hacker...

Ph cho vic thanh ton trc tuyn:- Thng thng vic m Internet Merchant Account khng tn ph- Vic s dng phn mm ng dng Payment Gateway thng c ph ci t ban u t vi

chc n vi trm la v ph duy tr hng thng khong vi chc la.- - Trong mi giao dch thanh ton qua mng, cc acquirer s thu ph khong t 1.5% n

4% gi tr giao dch v khong t 0.3$ cho ti 0.5$ ph xc nhn thng tin th/ln giaodch

- - Ngoi ra, nu c sai st trong qu trnh thanh ton hoc b th tn dng gi, ngi bnphi chu thm chi ph chargeback khong vi chc la.

b. Thanh ton bng th ghi n (Debit Card):

y l phng thc thanh ton trc tuyn cha s dng ph bin hin nay Vit Nam nhung lirt ph bin nc ngoi.V d: Visa, Master card....Quy trnh thc hin:

- ng k lm thnh vin ca trang website bn mun mua hng ha, chn loi hng habn mun mua v chn hnh thc thanh ton l thanh ton bng th ghi n.

- Nhp thng tin ln mt trc ca ch th theo yu cu: H v tn ch th: phi in y tn (nh Ting Vit khng du). S th: nhp u 16 s ca th. Ngy pht hnh: nhp ngy hiu lc th in trn mt trc ca th

- Nhp chn thanh ton.- Nhp mt khu dung mt lm OTP One time password, lm c ngn hng gi cho

khch hng thng qua thu bao SMS m qu khch hng dng k vi ngn hng.- Nhn nt xc nhn thc hin thanh ton.- Khch hng nhn kt qu giao dch hng ha.

u im:- Ngi bn c th bit ngi mua c tin mua hng thc s hay khng; ngi mua s

tin hnh thanh ton ngay lp tc cho tng giao dch.- Gip ngi mua trnh c nhng c sc th tn dng khi ngn hng gi cc bng k

thanh ton n.

- Qui trnh m th nhanh chng, khch hng ch cn c ti khon ngn hng u c thlp c mt th ghi n.- Qui trnh thanh ton bng th cng n gin, tit kim chi ph, thi gian, khng hn ch

thi gian giao dch.- An ton, bo mt


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Nhc im:- Mc chi tiu ca ch th ch ph thuc vo s d trong ti khon, gia ngn hng v

khch hng khng din ra qu trnh cho vay v cng khng c vic phn loi khch hng c hng hn mc tn dng.

2) Thanh ton da trn ti khon:

a. Thanh ton bng sc in t :

Quy trnh thanh ton bng sc trc tuyn chim ti gn 11% tng giao dch trc tuyn trn thgii.

u im:- tn nhiu cng sc hn gi sc thng thng,- Trnh gp nhng trng hp phin phc v d nh khi khch hng ngi mua v ngi

bn khng c cng ti khon ti mt ngn hng, buc cc ngn hng phi thng qua hthng thanh ton b tr ca Ngn hng Nh nc. Mi ngy ch c hai phin thanh tonb tr (vo lc 10h sng v 15h) v vic kim tra sc Ngn hng Nh nc vn ch yu

l th cng. V nu cc ngn hng pht hng my chc ngn t sc mi ngy th victhc hin thanh ton b tr trong ngy gp rt nhiu kh khn.

- Thng tin ca khch hng c ng ti ngay lp tc trn mng v nhng t sc lun cgi tr.

Nhc im:- Phng thc ny kh phc tp v sau khi giao dch trc tuyn c thc hin ngi mua

phi ra khi mng gi sc qua th n cho ngi bn.

Quy trnh thanh ton:- Ngi mua s in y thng tin vo mt form c sn ( ging nh mt quyn sc

c hin th trn mn hnh) cc thng tin v ngn hng, ngy giao dch, gi tr giao

dch,.. sau nhn nt send.- Thng tin s c m ha v chuyn trc tip ti ngn hng v s c s l trong 48

gi.- Tin s c chuyn t ti khon ca ngi mua ti ti khon ca ngi bn, km theo

, l mt bo c trc tuyn vo ti khon ca ngi bn v mt bo n vo tikhon ca ngi bn bng mail.

b. Cc dch v thanh ton trung gian khc:

Hnh thc thanh ton qua cc dch v trung gian bt u du nhp vo Vit Nam t nm 2006 vinhng ci tn nh mTopup, vnTopup, mPay, M -Service. Nhng n nm 2008, vi s tri dy

ca cc cng thanh ton in t nh Payoo, VinaPay, Mobivi, PayNet, VnPay, POLi, Bpay,Paymate th cc dch v thanh ton trung gian mi thc s pht trin mnh v c s cnh tranh

gia cc cng ty cung cp dch v ny vi nhau.Mt trong nhng dch v trung gian chng ta d thy nht hin nay l: v in t.

V in t l mt loi ti khon dng thanh ton trong cc giao dch nhng tin trong v ch ltin o, khc vi ti khon trong ngn hng l tin tht. V in t ging nh mt ngi gi tin


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THNG MI IN T

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trung gian ng ra thay mt ngn hng thc hin thanh ton cho ngi s dng trong cc hotng thng mi in t. Ngi dng ch cn ng k ti khon v in t qua website dch vca nh cung cp, ri tin hnh np tin vo v t ti khon ngn hng, ti khon th ATM, th tr trc...

Quy trnh thanh ton:V d: quy trnh ng k v in t trn Payoo:

- Chn cho mnh mt tn v v mt khu ng k vi payoo.- in y thng tin nh tn, a ch mail, s in thoi.... v nhp nt ng k.- Kim tra mail hoc in thoi di ng xc nh ng k thnh cng

V d v giao dch mua hng trn payoo:

Bc 1: Chn mua hng ha ti cc website chp nhn thanh ton bng v in t Payoo

Bc 2: Chn hnh thc thanh ton ha n bng v in t sau ng nhpWww.payoo.com.vn thanh ton.

Bc 3: Kim tra chi tit ha n in chi tit thng tin vo mu thanh ton trn payoo vnhp nt thanh ton v tin hnh thanh ton. Khi giao dch thnh cng, bn ch ngi bn giaohng.

u im:

- Mc bo mt cao, trnh tnh trng mt cp thng tin ti khon ngi tiu dng.

- H tr giao dch an ton cho c ngi mua v ngi bn v c tnh nng tamkj gi v bohim ngi mua v vy ch khi ngi ma nhn c hng ha theo ng m t v xcnhn giao dch th tin mi c chuyn n cho ngi bn. Trong trng hp xy ra riro, th chnh v in t m khch hng s dng s ng ra bi hon li cho khch hng stin mt

- Thanh ton nhanh chng, an ton v tin li, tit kim v thi gian .- Chng la o trc tuyn tt.- Gim c lng tin mt lu thng, gim lm pht.

Khuyt im:

- Kh s dng.- Cha c s lin kt vi nhau gia cc loi v trn th trng nn kh cho ngi s dng.- Vn cn hn ch v c t website c hnh thc thanh ton trc tuyn bng v in t.- Ph giao dch cn cao.

c. Thanh ton bng Online Banking

Nm trong tro lu mi ca th gii v Vit Nam trong vic lm n gin hn vic thanh ton


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V d v vic thanh ton chuyn tin ca Ngn hng ng :

u im:- Nhanh chng, tin li, tit kim c thi gian.

- Thc hin giao dch bt k u.

- Tit kim chi ph, tng doanh thu v giao dch bng hnh thc ny mc ph tn l t hncc dch v truyn thng.

- M rng phm vi hot ng ca cc cng ty.

Nhc im:

- Vn u t cho lo i hnh ny l rt ln v c c s vt cht v con ngi.

- Ri ro ca loi hnh ny cng kh cao c th b hack, c th b n cp thng tin

V d: internet banking, ebanking

u im:

- An ton v bo mt;- Nhanh chng v tin li v Qun l ti chnh ch bng c nhp chut, d dng truy cp

vo ti khon mi lc mi ni, thc hin tt c c dch v vi chi ph thp.- Cung cp nhiu loi dch v khc nhau nh np tin in thoi, chuyn khon, thanh ton

trc tuyn

d. H thng thanh ton bng ti khon thng qua thit b di ng v in thoi

i/ Mobile bankingMobile Banking l phng thc thanh ton thc t v hin i vi vic khai thc cc dch v ca

ngn hng trn in thoi di ng thng qua phn mm ng dng chuyn bit. Vic ngi tiudng s dng in thoi di ng thc hin cc giao dch ngn hng (Mobile Banking) angtr nn ph bin ti nhiu nc. c bit Vit Nam ang bc u tr thnh mt hnh thcthanh ton tim nng trong tng lai.

Theo c tnh ca cc nh phn tch th n nm 2015, dch v mobile banking s t ti mc2.5 t ngi s dng, t 670 t USD (ngun: Juniper Research).

u im:- y l mt knh giao dch tht s thun tin v tt c cc giao dch c thc hin trn

in thoi mi lc mi ni ch cn in thoi c kt ni GPRS/Wifi.- Gim i chi ph lp t h thng v ph giao dch.

- Nhanh chng, tit kim thi gian.

Nhc im:- Thc hin giao dch vi hn mc giao dch thp.- Phi ci t phn m m do ngn hng cung cp thc hin giao dch.


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THNG MI IN T

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- y l mt loi hnh thanh ton vi mc an ton cao v mt giao dch qua mobilebanking thnh cng cn bo m ba yu t, l th SIM in thoi chnh l thit b nhn dng khch hng, mt khu (password) do ngn hng cung cp m khch phi ghinh, v th xc thc cha cc thng tin ngu nhin ngn hng s cung cp khi pht sinhgiao dch chuyn khon v khch cn in ng thng tin c yu cu.

ii/ SMS banking

u im:- Thc hin giao dch nhanh chng, tin li v c th thc hin giao dch mi lc mi ni

ch vi chic in thoi c ci GPRS/Wifi.

Nhc im:- Kh s dng v phi nh cc c php ca ngn hng thc hin giao dch, s lng k

t truyn i trn mt tin nhn hn ch.- bo mt thp do ni dung tin nhn thng c lu tr trong hp th gi i ca my

in thoi, d liu gi t my in thoi n ngn hng khng c m ha v k in tnn an ton khng cao.

3) Thanh ton bng cc loi tin in t:

a. Kt tin in t:

Kt tin in t l mt kt o n c th lu gi tt c cc thng tin ca th tn dng v th ghin, mt khu, th hi vin, v tt c cc s th hin c trong kt tin tht ca khch hng. yl loi hnh khng ph bin Vit Nam.

Bn cnh nhng hnh thc thanh ton trn hin nay trn th trng cn xut hin nhng hnhthc thanh ton khc vi tim nng rt ln v trong tng lai s pht trin rt mnh nh dch v

internet banking, mobie banking, ebanking, kt tin in t....

b. Cc loi tin t trc tuyn nh MoneyBooker, Alertpay, E-gold, Libertyreserve, C-gold, Web Money

Cc loi tin t ny ang ngy cng c s dng nhiu. c trng ca loi tin t ny l khngxc nh ch s hu, s tin o ch c chc nng chuyn qua li gia cc ti khon, mun quyi ra tin mt hoc mun c tin o phi thc hin mua bn vi cc dch v thng qu a tin mt.Cc trang web ln trn th gii khng s dng tin t trc tuyn lm phng tin thanh ton trctuyn, c th do tnh khng xc nh ch s hu. y thc s l mt loi hnh mua bn tt cnxem xt p dng v khi s dng loi hnh ny th cn phi cp nht t gi tin t trc tuyn trn

th trng iu chnh gi bn hng cho ph hp thu li nhun. Tuy nhin, thi im ny,cc loi tin ny tht s vn cha ph bin trong thanh ton.

IV. CC DCH V THANH TON TRC TUYN PH BIN QUC T.

1) PaypalVi hn 81 triu ti khon hot ng thng xuyn trn tng s gn 250 triu ti khon ng k190 quc gia v 24 n v tin t trn ton th gii, PayPal thc y thng mi in t toncu x l thanh ton khong 110 t USD mi nm.


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Paypal thuc s hu ca cng ty ca eBay, t tr s chnh San Jose, California v mt s trs quc t t ti Singapore. L do m PayPal c mi ngi trn th gii a chung l:

Cc k bo mt. H tr an ton giao dch cho c ngi mua v ngi bn.

Thanh ton qua Paypal rt nhanh chng, an ton v tin li Mt khi s dng PayPal thanh ton, bn s khng phi nhp s th thanh ton (Visa,Master...) ca mnh mi khi cn.

Mt im khc bit kh ln ca PayPal vi cc cng thanh ton trc tuyn khc l suyn chuyn trong vic qun l tin cho khch hng. l chc nng chargebank, khchhng c th i li s tin sau khi gi tin n ti khon khc.

Tuy nhin, th tc chargebank c rt nhiu rc ri m bn cn phi chng minh, nn hysuy ngh k trc khi gi tin. D vy, cng chnh v tnh nng ny m ngi dngPayPal hon ton c th khng lo lng b la o.

2) Worldpay

Worldpay l mt trong nhng nh cung cung cp

dch v thanh ton trc tuyn quc t ln nhtth gii, l mt b phn ca H thng Ngn hng Hong Gia Scotland H thng ngn hng ln

th 5 trn th gii. Worldpay cung cp gii php thanh ton an ton cho nhng doanh nghipkinh doanh ngoi a phn M v nhng doanh nhn mun m rng s nghip ra ton cu. Vonm 2008, Worldpay nhn c 2 gii thng danh gi do N Hong trao tng.

Worldpay c nhng im mnh sau:

Worldpay c th thc hin 75 loi giao dch vi 120 n v tin t.

X l s lng giao dich ln: mi ngy Worldpay c th x l trn 12 triu giao dch.

C th x l ng thi 200 giao dch trc tuyn trong 1 giy cho 1 khch hng.

S pht trin cng ngh chng gian ln tin tin gip cho ngi bn v ngi mua yntm giao dch.

3) Google CheckoutGoogle Checkout l mt dch v mi ca Google gip cho vic thanh ton trc tuyn nhanh

chng, thun tin v an ton hn. Ngi mua hng ch cn tm nhng trang bn hng c lin kt

vi Google Checkout, chn mt hng mnh mun cho vo gi, sau nhn vo nt GoogleCheckout, ng nhp ti khon Google kim tra n hng v thc hin thanh ton nu nhng .

Google Checkout c th gip ngi mua gi kn thng tin v ti khon th v nu munth a ch email ca ngi mua cng s tuyt mt v i ngi bn, nhng giao dch vn

c m bo tnh xc thc bi Google Checkout.

Google khng hn ch s a ch giao hng v s ti khon thanh ton, ngi mua c th

nhp nhiu a ch giao hng v s dng nhiu ti khon th khc nhau. iu ny gipcho ngi mua trnh b gi th rc t ngi bn hng.


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THNG MI IN T

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a ch ca trang web bn hng, ngy thng mua, tn hng, s lng, gi c v tnh trngx l n hng u c ghi nhn li r rng, gip cho ngi mua d dng theo di v lbng chng ca vic mua hng.

Ngoi ra, cn c nhng dch v thanh ton trc tuyn ph bin quc t khc nh: Amazon

payments, Moneybookers, Alipay, ...

V.CC DCH V THANH TON TRC TUYN VIT NAM.

Kh nhiu dch v thanh ton Vit Nam, sau y l nm dch v uy tn v cht lng cho ngi

s dng Vit Nam:

1) Cng Ngn Lng:

NgnLng.vn l dch v thanh ton trc tuyn tin phong v hng u ti Vit Nam c v th

trng, ngi dng v giao dch , cho php cc c nhn v doanh nghip gi v nhn tin thanhton trn Internet ngay tc th mt cch AN TON, PH BIN V C BO V.

NgnLng.vn vinh d c bnh chn l v in t a thch nht do Hip hi thng miin t VN (VECOM) v S cng thng TP.HCM t chc u nm 2010, n nayNgnLng.vn c trm nhn ti khon v c khi to v hn 2000 website s dng dch vca nh cung cp ny.T ngy 16/6/2011, NgnLng.vn chnh thc hp tc vi PayPal trong vic cun g cp mt gii php thanh ton trc tuyn tng th, tondin. Bng s hp tc ny, cc websitethng mi in t ti Vit nam s c tch

hp NgnLng.vn m bo an ton vtin li ca ngi mua trong nc, ng thibng uy tn ca PayPal s em li lng tinca khch hng nc ngoi khi giao dch trctuyn ti cc website ny.


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2) Cng v in t VnMart:

V in t VnMart l sn phm ca Ngn hng Cng thng Vit Nam (VietinBank) v Cng tyc phn gii php thanh ton Vit Nam (Vnpay) kt hp, ra i t nm 2008. VnMart c lin ktvi nhiu i tc vin thng nh: Viettel, Mobifone, Vinaphone, Sfone, VietnamMobile,Beeline, EVNTelecom.

VnMart c nhiu loi dch v nh: mua m th tr trc, mua v my bay, thanh ton ha n,mua bo him BIC, SMS VnMart.

Hin nay VnMart ang cho ra mt sn phm mi chnh l Sim a nng:

Dch v sim a nng cho php thc hin np tin/ mua m th tr trc cho tt c ccmng di ng, cc loi ti khon/ th game, v.v. vi mc chit khu cao, thao tc np tinnhanh chng, thun tin.

Vi sim a nng, ngi bn c th bn hng mi lc mi ni vi hnh thc np tin quatin nhn SMS t sim a nng v qua website www.vnmart.vn , khng s thiu hng,khng phi qun l m th.

Ngi s dng c th thc hin tra cu s d ti khon sim a nng, tra cu cc giao dch thc hin hoc chuyn khon cho cc sim a nng khc bng tin nhn SMS hoc trnwebsite www.vnmart.vn

Khng cn nhiu sim, khng cn nhiu ti khon, ch vi 1 sim a nng ng vi 1 tikhon bn c th np tin/ bn nhiu loi th co vi mc chit khu cnh tranh vi ttc cc hnh thc np tin khc.

Tng i ng k Sim a nng l 8149, v tng i thc hin giao dch l 8049.

3) V in t Payoo

Payoo thuc quyn qun l ca Cng ty c phn Dch v Trc tuyn Cng ng Vit(VietUnion). Nm 2008 Payoo ot gii Sao Khu v c ngn hng nh nc cp phphot ng trung gian thanh ton in t. Thng k cui Qu 2 nm 2010 t cng thng tin Ngnhng Nh nc, v in t Payoo hin ang dn u th phn dch v thanh ton trung gian tiVit Nam.

Vi V in t Payoo s d dng np tin vo ti khon in thoi di ng tr trc ti website:www.paycode.com.vn. c bit, ch V in t Payoo c h tr thanh ton trc tuy n mi han ca cc nh cung cp dch v khc nhau thng qua cng www.paybill.com.vn. Hin Payooc lin kt vi 60 website uy tn, ngi dng la chon Payoo l do:

D s dng: ng k m v d dng, min ph v hon ton online trong vi pht; giaodin thn thin vi ngi s dng; tnh nng hon chnh.

m bo giao dch: thng tin ti khon ngn hng v s th tn dng ca khch hngc tuyt i bo mt.

An ton thng tin: h thng tng la chun quc t; t t c cc giao dch u c mha bng SSL; tt c cc kt ni vi ngn hng, doanh nghip u c chng thc bngch k in t; Chun ISO 27001-2005 v an ton thng tin.


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Mi chic V in t Payoo u c xc thc ch s hu, to nim tin v uy tn chongi mua v ngi bn; hn ch cc ri ro trong gian ln thng mi trc tuyn.

Uy tn cao

4) Cng OnePay:

OnePAY l i din ca MaterCard trong cung cp gii php thanh ton in t cho cc doanhnghip ti Vit Nam. OnePAY cho php doanh nghip thc hin thanh ton trc tuyn trnwebsite, qua email hoc Tel/Fax.

OnePAY c tin dng bi cc ngn hng ln t rn th gii nh ANZ , HSBC, ICICI,v cng ang hp tc cng 6 ngn hng nh nc v c phn ln nht Vit Nam.

Cng thanh ton OnePAY m bo cc tiu chun ca h thng ti chnh quc t nhPCI DSS ca PCI Security Standards Council, 3D-Secure ca Visa, MasterCard vJCB.

OnePAY hin ang dn u trong th trng cung cp dch v thanh ton trc tuyn, tdch v x l giao dch trc tuyn cho cc loi th quc t v ang dn m rng knhthanh ton in t bao gm thanh ton qua Internet, thanh to n qua ATM, POS, Internetbanking, SMS banking bng cc kt ni vi tt c cc ngn hng ti Vit Nam.

5) V in t Baokim.vn:

Cng thanh ton trc tuyn baokim.vn, thnh lp vo thng 7/2010, trc thuc Cng ty C phnTMT Bo Kim, c xy dng theo m h nh h thng Paypal, Moneybookers . Cng thanhton u tin ti Vit Nam phn phi m Th thanh ton tr trc RV Visa.

Vi ngi dng, doanh nghip: Bo Kim cung cp cc dch v thanh ton tch hp chocc h thng online nh: Website TMT, H thng rao vt, Blog, Forum da trn cc

API c xy dng sn, h tr tch hp mt cch n gin v nhanh chng. Vi i tc: p ng vic tch hp vi cc h thng khc: SMS Gateway, Banking

Services nhanh chng, thun tin.

Hin ti, baokim.vn ang hp tc vi hn 20 ngn hng trong nc v cc h thng thtn dng quc t nh VISA, Master, American Express...

VI. CC IU KIN THAM GIA THANH TON QUC T VIT NAM.

1) i vi ngi s dng dch v.- ng k cc loi th thanh ton ca cc ngn hng;

- S dng th ny thanh ton cho cc bn bn hng

2) i vi doanh nghip bn hng:- C phng tin thc hin thanh ton in t.- i vi ngi bn l cc doanh nghip kinh doanh trn website:

- Cc website ny s c cc module lin kt vi cc ngn hng s hu cc th ca ngibn. Khi cc khch hng a ra mt yu cu trong mt phin thanh ton, thng tin s


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c chuyn n cc ngn hng ny (khi ngi bn c ti khon Merchant Account, c

quyn truy cp vo c s d liu ca ngn hng v c quyn nhn tin t ti khon khc.)hay chuyn thng n nh cung cp dch v s l dch v thng qua Online Payment(cng ty c s hu mt ti khon M archent Account) thc hin vic kim tra xc thcti khon c hp l v gi li cho bn bn. Nu ngi bn chp nhn th vic thanh ton

s c thc hin.

VII. QUY TRNH THC HIN THANH TON TRC TUYN

Bao gm cc bc sau:

Bc 1: Chn phng thc Thanh ton

Bc 2: Tin hnh thanh ton

Bc 3: Xc nhn hnh thc thanh ton

Bc 4: Hon tt giao dch

V d minh ha quy trnh thanh ton trc tuyn qua ti khon Nganluong.vn

Bc 1: chn phng thc thanh ton:

Sau khi tin hnh thanh ton ha n mua hng, bn cn phi la chn phng thc thanh toncho ha n ca mnh.

Nu bn c ti khon NgnLng.vn v mun thanh ton ha n bng ti khonNgnLng.vn, vui lng chn phng thc 'Dng ti khon NgnLng.vn ', tip tc chuyn qua

phn Thanh ton dng ti khon NgnLng.vn v lm theo hng dn.

Nu bn mun thanh ton n hng khng s dng bng ti khon NgnLng.vn, vui lng chnphng thc Thanh ton khng dng ti khon, tip tc chuyn qua phn ' Thanh ton khngdng ti khonNgnLng.vn' v lm theo hng dn

Bc 2: Tin hnh thanh ton

Sau khi chn hnh thc thanh ton thch hp, mn hnh giao din trang ' Xc nhn hnh thcthanh ton' c hin th.


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Bc 3: Xc nhn hnh thc thanh ton

Bn hy nhp thng tin ngi thanh ton mt cch y v chnh xc nht, sau la chnhnh thc xc nhn Thanh ton tm gi, an ton hoc Thanh ton ngay, nhp vo m bomt c hin th trn mn hnh theo mu di y:

Click nt 'Tip tc ' hon tt qu trnh xc nhn thanh ton ca bn


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Lu: Bn nn nhp y v chnh xc cc thng tin c nhn ca mnh v nhng l do sau:

- ng k ti khon NgnLng.vn vi cc thng tin bn khai bo phnthng tin ngi mua ngay sau nhn cc thng bo ca NgnLng.vn v cc giaodch ca bn.

- m bo quyn li ca bn trong trng hp ri ro nu ngi bn hon li tin

hoc pht hin du hiu la o, khi bn s phi ng k ti khon NgnLng.vn vicc thng tin v email, s in thoi nh trong ha n thanh ton c th nhn li stin trn.

Bc 4: Hon tt giao dch

H thng hin th trang ' Hng dn thanh ton'

Bn hy c v lm theo hng dn qu trnh thanh ton cho ha n mua hng ca bn c

hon tt.

VIII. NHNG HN CH TRONG THANH TON TRC TUYN TI VITNAM.

Nh chng ta thy, thng mi in t ni chung v vic thanh ton trc tuyn ni ring emli kh nhiu thun tin v ang c tim nng rt ln Vit Nam. Nhng bc u cn ang ckh nhiu hn ch khi thc hin:

u tin hn ch ln nht hin nay l thi quen mua hng(mua hng trc tip theo cch truynthng) ca ngi VN dn n t l ngi dng cc loi th ngn hng c kh nng thanh tonquc t, trc tuyn cha i tr.

K n l vn ri ro trong thanh ton: dng nh c ngi mua cng nh ngi bn u engi nhng ri ro khi giao dich.

o Ngi bn mun thc hin theo m hnh tin trao cho mc v e s ngi muakhng thanh ton sau khi nhn hng, hay vic la o khi mua hng.

o Ngi mua th s rng: giao tin y nhng khng nhn c hng, hay nhn

c hng khng ng cht lng hoc b la bi cc webside gi.

Mt hn ch na l : Hin ch c s t cc doanh nghip p dng hnh thc ny vi s h tr chocc th thanh ton ngn hng quc t v c ni a nh: hng hng khng Jetstar Pacific, Chin t...

Ri thm vo l: a s website kinh doanh VN vn cn tn ti kh nhiu bt cp nh: nidung c vn , thit k cha ph hp lm ri mt ngi xem, cp nht km, lng truy cpthp, tc chm...


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IX. NHN XT V NH GI V CC LOI H NH THANH TON TRCTUYN TI VIT NAM

Cng vi s bng n cng ngh thng tin, thng mi in t pht trin kh mnh Vit

Nam.C th ni, thanh ton trc tuyn l mt khi nim qu quen thuc i vi cng ng th

gii. Tuy nhin n vn cn l mt con s rt b trong tim thc ca cng ng Vit Nam. Mcd nhu cu truy cp internet ca ngi dn Vit Nam ngy cng pht trin v n tr thnh thiquen mt ba n tinh thn khng th thiu trong hot ng hng ngy cng nh trong cch

sng ca mi ngi Vit Nam. c bit nhng thnh ph ln nhu c u ny c nhn thy rnt hn.

iu cho php s pht trin ca thanh ton trc tuyn l iu tt yu. Mc d gp khng tkh khn v tr ngi trong bc u thm nhp vo th trng Vit Nam song, c th thy rngy l mt lnh vc c tim nng thc y kinh t pht trin rt ln ni bt cc dch v thanhton trc tuyn nh: Internet Banking ( E - Banking),Internet Mobile (E- Mobile)..

V th, cng vi xu hng th gii Vit Nam cng dn hnh thnh nhng website hot ng chiu qu v uy tn theo cc m hnh khng cn mi trn th gii in hnh nh: paypal,

hodientu.vn, amazon.vn, aha.vn, megabuy.vnTrong s , hot ng thng mi in t cxem l chm pht trin nht Vit Nam l thanh ton trc tuyn bn hng qua mng. y lloi hnh kh mi m Vit Nam. Vic thanh ton trc tuyn qua mng l mt u im khi

chng ta s dng cc dch v thng mi in t trn th gii nhng cng l mt trong nhnghn ch cha khc phc c khi s dng Vit Nam.

Tuy nhin, khi Vit Nam gia nhp WTO Lut thng mi in t Vit Nam bt u c hiu lc,

hnh thc kinh doanh trong lnh vc thng mi in t cng c c hi pht trin hn.

Cui cng thanh ton trc tuyn Vit Nam vn cn l mt bc tranh mu xm ang ch nh

hng, song tim nng pht trin ca n l khng nh nu chng ta bit nm bt trit nhngu im m n mang li. iu s em li li ch to ln cho s pht trin kinh t Vit Nam nichung v ngnh Thng Mi in T ni ring.

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