{"id":172,"date":"2024-05-27T07:01:58","date_gmt":"2024-05-27T07:01:58","guid":{"rendered":"https:\/\/alphavn.com.vn\/?p=172"},"modified":"2024-05-27T07:01:58","modified_gmt":"2024-05-27T07:01:58","slug":"dinh-danh-khach-hang-dien-tu-ekyc-cong-nghe-can-di-doi-voi-quy-trinh","status":"publish","type":"post","link":"https:\/\/alphavn.com.vn\/?p=172","title":{"rendered":"\u0110\u1ecbnh danh Kh\u00e1ch h\u00e0ng \u0111i\u1ec7n t\u1eed (eKYC) \u2013 C\u00f4ng ngh\u1ec7 c\u1ea7n \u0111i \u0111\u00f4i v\u1edbi Quy tr\u00ecnh!"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">C\u00f9ng v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ngh\u1ec7 v\u00e0 \u0111\u1ec3 \u0111\u01a1n gi\u1ea3n h\u00f3a c\u00e1c th\u1ee7 t\u1ee5c, gi\u1ea5y t\u1edd, t\u1ea1o thu\u1eadn l\u1ee3i cho kh\u00e1ch h\u00e0ng, hi\u1ec7n nay c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh\/ng\u00e2n h\u00e0ng \u1edf nhi\u1ec1u qu\u1ed1c gia v\u1edbi s\u1ef1 ch\u1ea5p thu\u1eadn c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd c\u00f3 th\u1ea9m quy\u1ec1n, \u0111\u00e3 \u00e1p d\u1ee5ng m\u1ed9t s\u1ed1 ph\u01b0\u01a1ng th\u1ee9c\u00a0<strong>\u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng \u0111i\u1ec7n t\u1eed (eKYC)<\/strong>, ph\u01b0\u01a1ng th\u1ee9c \u0111\u1ecbnh danh kh\u00f4ng c\u1ea7n g\u1eb7p m\u1eb7t tr\u1ef1c ti\u1ebfp.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"481\" src=\"https:\/\/alphavn.com.vn\/wp-content\/uploads\/2024\/05\/image-4.png\" alt=\"\" class=\"wp-image-173\" srcset=\"https:\/\/alphavn.com.vn\/wp-content\/uploads\/2024\/05\/image-4.png 768w, https:\/\/alphavn.com.vn\/wp-content\/uploads\/2024\/05\/image-4-300x188.png 300w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">T\u1ea1i Vi\u1ec7t Nam, tr\u01b0\u1edbc \u0111\u00e2y, theo quy \u0111\u1ecbnh, \u0111\u1ec3 ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n, kh\u00e1ch h\u00e0ng mu\u1ed1n l\u1eadp t\u00e0i kho\u1ea3n ph\u1ea3i tr\u1ef1c ti\u1ebfp \u0111\u1ebfn ng\u00e2n h\u00e0ng \u0111\u1ec3 x\u00e1c th\u1ef1c danh t\u00ednh, sau \u0111\u00f3 m\u1edbi \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 tr\u1ef1c tuy\u1ebfn, b\u1edfi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) kh\u00f4ng cho ph\u00e9p \u00e1p d\u1ee5ng \u0111\u1ecbnh danh \u0111i\u1ec7n t\u1eed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nhi\u1ec1u n\u0103m nay, \u0111\u1ec3 m\u1edf r\u1ed9ng kh\u00e1ch h\u00e0ng v\u00e0 cung \u1ee9ng c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng s\u1ed1, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u1ec1 ngh\u1ecb NHNN cho ph\u00e9p \u00e1p d\u1ee5ng&nbsp;<strong>eKYC<\/strong>&nbsp;\u0111\u1ec3 \u0111\u0103ng k\u00fd kh\u00e1ch h\u00e0ng m\u1edbi (<strong>Digital Onboarding<\/strong>). M\u1edbi \u0111\u00e2y, Ch\u00ednh ph\u1ee7 \u0111\u00e3 ban h\u00e0nh Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 87\/2019\/N\u0110-CP s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh 116\/2013\/N\u0110-CP h\u01b0\u1edbng d\u1eabn Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n, c\u1ee5 th\u1ec3 t\u1ea1i \u0110i\u1ec3m a \u2013 Kho\u1ea3n 8 \u2013 \u0110i\u1ec1u 8:&nbsp;\u201c<em>Y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng cung c\u1ea5p th\u00f4ng tin theo quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 4 Ngh\u1ecb \u0111\u1ecbnh n\u00e0y v\u00e0 \u0111\u01b0\u1ee3c quy\u1ebft \u0111\u1ecbnh&nbsp;<strong>g\u1eb7p m\u1eb7t tr\u1ef1c ti\u1ebfp ho\u1eb7c kh\u00f4ng g\u1eb7p m\u1eb7t tr\u1ef1c ti\u1ebfp<\/strong>&nbsp;kh\u00e1ch h\u00e0ng khi&nbsp;<strong>l\u1ea7n \u0111\u1ea7u<\/strong>&nbsp;thi\u1ebft l\u1eadp m\u1ed1i quan h\u1ec7.&nbsp;<strong>Tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng g\u1eb7p m\u1eb7t tr\u1ef1c ti\u1ebfp kh\u00e1ch h\u00e0ng, \u0111\u1ed1i t\u01b0\u1ee3ng b\u00e1o c\u00e1o ph\u1ea3i \u0111\u1ea3m b\u1ea3o c\u00f3 c\u00e1c bi\u1ec7n ph\u00e1p, h\u00ecnh th\u1ee9c v\u00e0 c\u00f4ng ngh\u1ec7 \u0111\u1ec3 nh\u1eadn bi\u1ebft v\u00e0 x\u00e1c minh kh\u00e1ch h\u00e0ng<\/strong>.<\/em>\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u1ef1c t\u1ebf,&nbsp;<strong>\u0111\u1ec3 h\u1ea1n ch\u1ebf r\u1ee7i ro khi \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng \u0111i\u1ec7n t\u1eed, c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n c\u00f3 quy tr\u00ecnh k\u1ebft h\u1ee3p b\u1eb1ng c\u1ea3 c\u00f4ng ngh\u1ec7 v\u00e0 quan tr\u1ecdng nh\u1ea5t v\u1eabn l\u00e0 y\u1ebfu t\u1ed1 con ng\u01b0\u1eddi<\/strong>, n\u1ebfu ch\u1ec9 ph\u1ee5 thu\u1ed9c ho\u00e0n to\u00e0n v\u00e0o c\u00f4ng ngh\u1ec7, th\u00ec kh\u00f3 ch\u1ed1ng \u0111\u01b0\u1ee3c k\u1ebb gian v\u1edbi m\u1ee9c \u0111\u1ed9 gi\u1ea3 m\u1ea1o tinh vi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1eddng h\u1ee3p FaceID c\u1ee7a Apple l\u00e0 m\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh, khi c\u00e1ch \u0111\u00e2y kh\u00f4ng l\u00e2u, c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u b\u1ea3o m\u1eadt c\u1ee7a Tencent \u0111\u00e3 ph\u00e1t hi\u1ec7n ra r\u1eb1ng h\u1ec7 th\u1ed1ng b\u1ea3o m\u1eadt x\u00e1c th\u1ef1c sinh tr\u1eafc h\u1ecdc FaceID c\u1ee7a Apple ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 b\u1ecb \u0111\u00e1nh l\u1eeba b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng m\u1ed9t c\u1eb7p k\u00ednh d\u00e1n b\u0103ng d\u00ednh \u0111en, v\u00e0 m\u1ed9t mi\u1ebfng b\u0103ng d\u00ednh tr\u1eafng \u1edf ch\u00ednh gi\u1eefa hai tr\u00f2ng k\u00ednh. Theo c\u00e1c chuy\u00ean gia, ph\u01b0\u01a1ng ph\u00e1p n\u00e0y c\u00f3 th\u1ec3 \u0111\u00e1nh l\u1eeba FaceID b\u1eb1ng c\u00e1ch khi\u1ebfn c\u00f4ng c\u1ee5 b\u1ea3o m\u1eadt n\u00e0y ngh\u0129 r\u1eb1ng ng\u01b0\u1eddi d\u00f9ng \u0111ang m\u1edf m\u1eaft, t\u1eeb \u0111\u00f3 c\u00f3 th\u1ec3 cho ph\u00e9p k\u1ebb gian truy c\u1eadp v\u00e0o iPhone b\u1ecb kh\u00f3a trong khi ch\u1ee7 nh\u00e2n v\u1eabn \u0111ang ng\u1ee7 v\u00e0 kh\u00f4ng h\u1ec1 hay bi\u1ebft. C\u00f4ng ngh\u1ec7 nh\u1eadn di\u1ec7n khu\u00f4n m\u1eb7t \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng tr\u00ean n\u1ec1n t\u1ea3ng Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o, l\u00e0 m\u00f4n khoa h\u1ecdc c\u00f3 t\u00ednh g\u1ea7n \u0111\u00fang, hi\u1ec7n nay kh\u00f4ng kh\u00f3 \u0111\u1ec3&nbsp;<a href=\"https:\/\/www.hyperlogy.com\/vi\/bi-qua-mat-nhieu-lan-nhan-dien-khuon-mat-khong-con-an-toan\/\" target=\"_blank\" rel=\"noreferrer noopener\">qua m\u1eb7t FaceID<\/a>, t\u1ea1i Trung Qu\u1ed1c, ng\u01b0\u1eddi ta \u0111\u00e3 cho m\u1ed9t ng\u01b0\u1eddi \u0111eo chi\u1ebfc m\u1eb7t n\u1ea1 3D qua m\u1eb7t h\u1ec7 th\u1ed1ng qu\u00e9t \u0111\u1ec3 thanh to\u00e1n AliPay v\u00e0 \u0111\u0103ng nh\u1eadp WeChat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ea7u n\u0103m 2018,&nbsp;<a href=\"https:\/\/www.hyperlogy.com\/vi\/hiep-hoi-ngan-hang-viet-nam-to-chuc-toa-dam-ve-e-kyc\/\" target=\"_blank\" rel=\"noreferrer noopener\">Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam t\u1ed5 ch\u1ee9c t\u1ecda \u0111\u00e0m v\u1ec1 e-KYC<\/a>, trong cu\u1ed9c t\u1ecda \u0111\u00e0m n\u00e0y c\u00e1c chuy\u00ean gia tr\u00ean th\u1ebf gi\u1edbi c\u00f3 chia s\u1ebb nhi\u1ec1u th\u00f4ng tin v\u1ec1 c\u00e1ch th\u1ee9c c\u00e1c n\u01b0\u1edbc th\u1ef1c hi\u1ec7n&nbsp;<strong>e-KYC<\/strong>. Tu\u1ef3 thu\u1ed9c v\u00e0o b\u1ed1i c\u1ea3nh lu\u1eadt ph\u00e1p, m\u00f4i tr\u01b0\u1eddng v\u0103n ho\u00e1 x\u00e3 h\u1ed9i t\u1ea1i t\u1eebng n\u01b0\u1edbc, m\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh n\u01b0\u1edbc ngo\u00e0i \u00e1p d\u1ee5ng nhi\u1ec1u bi\u1ec7n ph\u00e1p b\u1ed5 tr\u1ee3 kh\u00e1ch nhau thay v\u00ec ch\u1ec9 d\u00f9ng m\u1ed9t ph\u01b0\u01a1ng th\u1ee9c \u0111\u01a1n l\u1ebb \u0111\u1ec3 x\u00e1c th\u1ef1c kh\u00e1ch h\u00e0ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ed d\u1ee5 nh\u01b0 t\u1ea1i H\u00e0n Qu\u1ed1c, vi\u1ec7c \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 bao g\u1ed3m c\u00e1c ph\u01b0\u01a1ng th\u1ee9c:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>N\u1ed9p b\u1ea3n sao ch\u1ee9ng minh th\u01b0 \u2013 ID (x\u00e1c nh\u1eadn t\u00ednh x\u00e1c th\u1ef1c);<\/li>\n\n\n\n<li>Ki\u1ec3m tra ID qua b\u00ean th\u1ee9 ba (x\u00e1c th\u1ef1c qua \u0111i\u1ec7n tho\u1ea1i\/OTP\/ARS);\u00a0<\/li>\n\n\n\n<li>G\u1ecdi \u0111i\u1ec7n tho\u1ea1i c\u00f3 h\u00ecnh \u1ea3nh tr\u1ef1c ti\u1ebfp (video call), sau \u0111\u00f3 ch\u1ee5p \u1ea3nh, ki\u1ec3m tra danh t\u00ednh s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 nh\u1eadn d\u1ea1ng khu\u00f4n m\u1eb7t;<\/li>\n\n\n\n<li>X\u00e1c nh\u1eadn b\u1eb1ng m\u1ed9t t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng s\u1eb5n c\u00f3 (kh\u00f4ng b\u1eaft bu\u1ed9c);\u00a0<\/li>\n\n\n\n<li>S\u1eed d\u1ee5ng quy tr\u00ecnh giao nh\u1eadn c\u1ee7a vi\u1ec7c ti\u1ebfp c\u1eadn trung gian (V\u00ed d\u1ee5 khi ph\u00e1t h\u00e0nh th\u1ebb ghi n\u1ee3, s\u1eed d\u1ee5ng ng\u01b0\u1eddi ph\u00e1t th\u1ebb \u0111\u1ec3 x\u00e1c nh\u1eadn danh t\u00ednh ng\u01b0\u1eddi xin m\u1edf th\u1ebb);<\/li>\n\n\n\n<li>S\u1eed d\u1ee5ng sinh tr\u1eafc h\u1ecdc, c\u00e1c th\u00f4ng tin kh\u00e1c (\u0111\u1ecba ch\u1ec9, email\u2026) \u0111\u1ec3 ki\u1ec3m tra.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Hay nh\u01b0 t\u1ea1i \u0110\u1ee9c, c\u01a1 quan gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh li\u00ean bang \u0110\u1ee9c \u0111\u00e3 cho ph\u00e9p s\u1eed d\u1ee5ng h\u00ecnh th\u1ee9c x\u00e1c th\u1ef1c kh\u00e1ch h\u00e0ng b\u1eb1ng video call t\u1eeb n\u0103m 2014.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u1ee6y ban Basel trong b\u1ea3n h\u01b0\u1edbng d\u1eabn v\u00e0o th\u00e1ng 2\/2016 c\u0169ng \u0111\u00e3 n\u00eau r\u00f5: \u201c<em>Ng\u00e2n h\u00e0ng n\u00ean x\u00e1c minh th\u00f4ng tin b\u1eb1ng vi\u1ec7c s\u1eed d\u1ee5ng \u00edt nh\u1ea5t m\u1ed9t trong c\u00e1c ph\u01b0\u01a1ng ph\u00e1p sau: ti\u1ebfp x\u00fac v\u1edbi kh\u00e1ch h\u00e0ng qua \u0111i\u1ec7n tho\u1ea1i, th\u01b0 t\u00edn ho\u1eb7c b\u1eb1ng email \u0111\u1ec3 x\u00e1c nh\u1eadn th\u00f4ng tin \u0111\u01b0\u1ee3c cung c\u1ea5p sau khi m\u1ed9t t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c m\u1edf (trong tr\u01b0\u1eddng h\u1ee3p \u0111i\u1ec7n tho\u1ea1i ng\u01b0ng k\u1ebft n\u1ed1i, th\u01b0 b\u1ecb tr\u1ea3 l\u1ea1i ho\u1eb7c \u0111\u1ecba ch\u1ec9 email sai, c\u1ea7n ti\u1ebfn h\u00e0nh \u0111i\u1ec1u tra th\u00eam)<\/em>.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ed9 Th\u00f4ng tin v\u00e0 Truy\u1ec1n th\u00f4ng c\u0169ng \u0111\u00e3 x\u00e2y d\u1ef1ng v\u00e0 tr\u00ecnh ch\u00ednh ph\u1ee7&nbsp;<a href=\"https:\/\/www.hyperlogy.com\/vi\/bo-tttt-xay-dung-du-thao-de-xuat-chap-nhan-xac-thuc-dien-tu-bang-sinh-trac-hoc\/\" target=\"_blank\" rel=\"noreferrer noopener\">d\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 \u0110\u1ecbnh danh v\u00e0 X\u00e1c th\u1ef1c \u0111i\u1ec7n t\u1eed<\/a>, trong \u0111\u00f3 c\u00f3 m\u1ed9t s\u1ed1 \u0111i\u1ec3m l\u01b0u \u00fd:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0110i\u1ec1u 10<\/strong>: D\u1ef1 th\u1ea3o \u0111\u1ecbnh ngh\u0129a\u00a0<strong>3 m\u1ee9c \u0111\u1ed9 \u0111\u1ea3m b\u1ea3o an to\u00e0n th\u00f4ng tin \u0111\u1ecbnh danh \u0111i\u1ec7n t\u1eed<\/strong>\u00a0nh\u01b0 sau\n<ul class=\"wp-block-list\">\n<li>M\u1ee9c \u0111\u1ed9 1: Ho\u00e0n to\u00e0n do c\u00e1 nh\u00e2n t\u1ef1 c\u1ea5p, c\u00e1c th\u00f4ng tin n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c x\u00e1c minh hay ki\u1ec3m tra.<\/li>\n\n\n\n<li>M\u1ee9c \u0111\u1ed9 2: Th\u00f4ng tin \u0111\u1ecbnh danh \u0111i\u1ec7n t\u1eed \u0111\u01b0\u1ee3c x\u00e1c minh \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o \u0111\u00fang v\u1edbi th\u00f4ng tin c\u1ee7a c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c trong \u0111\u1eddi th\u1ef1c. Vi\u1ec7c ki\u1ec3m tra c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n t\u1eeb xa ho\u1eb7c tr\u1ef1c ti\u1ebfp g\u1eb7p m\u1eb7t. V\u00ed d\u1ee5 nh\u01b0 \u0111\u00e3 qua ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed (M\u1ea1ng Internet v\u00e0 m\u00e1y di \u0111\u1ed9ng) Ki\u1ec3m tra gi\u1ea5y t\u1edd t\u00f9y th\u00e2n,\u00a0 Ki\u1ec3m tra so s\u00e1nh khu\u00f4n m\u1eb7t v\u1edbi gi\u1ea5y t\u1edd t\u00f9y th\u00e2n, \u0110\u1ecbnh v\u1ecb v\u1ecb tr\u00ed, Ki\u1ec3m tra s\u1ed1 \u0111i\u1ec7n tho\u1ea1i qua OTP, Ki\u1ec3m tra qua Video Call, K\u1ebft h\u1ee3p c\u00e1c nh\u00e0 m\u1ea1ng vi\u1ec5n th\u00f4ng ki\u1ec3m tra th\u00f4ng tin qua s\u1ed1 \u0111i\u1ec7n tho\u1ea1i, Ki\u1ec3m tra th\u00f4ng tin c\u0103n c\u01b0\u1edbc c\u00f4ng d\u00e2n qua h\u1ec7 th\u1ed1ng d\u1eef li\u1ec7u ch\u00ednh ph\u1ee7 (B\u1ed9 C\u00f4ng an).<\/li>\n\n\n\n<li>M\u1ee9c \u0111\u1ed9 3: L\u00e0 khi th\u00f4ng tin \u0111\u1ecbnh danh \u0111i\u1ec7n t\u1eed \u0111\u01b0\u1ee3c ki\u1ec3m tra b\u1eb1ng vi\u1ec7c g\u1eb7p m\u1eb7t tr\u1ef1c ti\u1ebfp c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c trong \u0111\u1eddi th\u1ef1c. V\u00ed d\u1ee5 nh\u01b0 G\u1eb7p v\u00e0 ki\u1ec3m tra gi\u1ea5y t\u1edd t\u00f9y th\u00e2n t\u1ea1i ng\u00e2n h\u00e0ng, G\u1eb7p m\u1eb7t tr\u1ef1c ti\u1ebfp t\u1ea1i ch\u1ed7 kh\u00e1ch h\u00e0ng v\u00e0 ki\u1ec3m tra gi\u1ea5y t\u1edd t\u00f9y th\u00e2n, K\u1ebft h\u1ee3p v\u1edbi b\u01b0u ch\u00ednh chuy\u1ec3n ph\u00e1t y\u00eau c\u1ea7u ki\u1ec3m tra gi\u1ea5y t\u1edd t\u00f9y th\u00e2n v\u00e0 ch\u1eef k\u00fd tr\u1ef1c ti\u1ebfp.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0110i\u1ec1u 19<\/strong>: \u0110\u1ecbnh ngh\u0129a\u00a0<strong>3 m\u1ee9c \u0111\u1ed9 \u0111\u1ea3m b\u1ea3o an to\u00e0n x\u00e1c th\u1ef1c \u0111i\u1ec7n t\u1eed<\/strong>\n<ul class=\"wp-block-list\">\n<li>M\u1ee9c \u0111\u1ed9 1: S\u1eed d\u1ee5ng 1 y\u1ebfu t\u1ed1 x\u00e1c th\u1ef1c. V\u00ed d\u1ee5 nh\u01b0 d\u00f9ng M\u1eadt kh\u1ea9u, \u0110\u1eb7c \u0111i\u1ec3m sinh tr\u1eafc h\u1ecdc,\u2026.<\/li>\n\n\n\n<li>M\u1ee9c \u0111\u1ed9 2: S\u1eed d\u1ee5ng 2 y\u1ebfu t\u1ed1 x\u00e1c th\u1ef1c. V\u00ed d\u1ee5 nh\u01b0 K\u1ebft h\u1ee3p \u0111i\u1ec7n tho\u1ea1i v\u00e0 OTP, K\u1ebft h\u1ee3p m\u1eadt kh\u1ea9u v\u00e0 Sinh tr\u1eafc h\u1ecdc,\u2026<\/li>\n\n\n\n<li>M\u1ee9c \u0111\u1ed9 3: S\u1eed d\u1ee5ng y\u1ebfu t\u1ed1 x\u00e1c th\u1ef1c d\u1ef1a tr\u00ean ph\u1ea7n c\u1ee9ng s\u1eed d\u1ee5ng c\u00e1c giao th\u1ee9c m\u1eadt m\u00e3 \u0111\u1ec3 ch\u1ed1ng l\u1ea1i s\u1ef1 gi\u1ea3 m\u1ea1o. V\u00ed d\u1ee5 nh\u01b0 Ch\u1eef k\u00fd \u0111i\u1ec7n t\u1eed.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">T\u1eeb \u0111\u00f3 c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng m\u1ed9t s\u1ed1 qui tr\u00ecnh li\u00ean quan \u0111\u1ebfn \u0111\u1ecbnh danh ph\u1ee5c v\u1ee5 m\u1edf m\u1edbi t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 x\u00e1c th\u1ef1c giao d\u1ecbch chuy\u1ec3n ti\u1ec1n \u0111i\u1ec7n t\u1eed. V\u00ed d\u1ee5:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0110\u1ed1i v\u1edbi vi\u1ec7c m\u1edf t\u00e0i kho\u1ea3n m\u1edbi<\/strong>: C\u0103n c\u1ee9 v\u00e0o m\u1ee9c \u0111\u1ed9 \u0111\u1ea3m b\u1ea3o an to\u00e0n th\u00f4ng tin \u0111\u1ecbnh danh \u0111i\u1ec7n t\u1eed m\u00e0 Ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 cho kh\u00e1ch h\u00e0ng m\u1edf t\u00e0i kho\u1ea3n \u1edf ch\u1ebf \u0111\u1ed9 kh\u00e1c nhau. V\u00ed d\u1ee5 \u1edf M\u1ee9c 2 th\u00ec cho m\u1edf t\u00e0i kho\u1ea3n ch\u01b0a \u0111\u1ecbnh danh, M\u1ee9c 3 cho m\u1edf t\u00e0i kho\u1ea3n \u0111\u1ecbnh danh.<\/li>\n\n\n\n<li><strong>\u0110\u1ed1i v\u1edbi giao d\u1ecbch tr\u1ef1c tuy\u1ebfn<\/strong>: Tu\u1ef3 theo gi\u00e1 tr\u1ecb giao d\u1ecbch m\u00e0 \u00e1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p x\u00e1c th\u1ef1c kh\u00e1c nhau, ch\u1eb3ng h\u1ea1n v\u1edbi giao d\u1ecbch c\u00f3 gi\u00e1 tr\u1ecb nh\u1ecf h\u01a1n 1 tri\u1ec7u \u0111\u1ed3ng th\u00ec ch\u1ec9 c\u1ea7n x\u00e1c th\u1ef1c v\u1edbi \u0111\u1ed9 an to\u00e0n m\u1ee9c \u0111\u1ed9 1, x\u00e1c th\u1ef1c an to\u00e0n m\u1ee9c \u0111\u1ed9 2 cho giao d\u1ecbch t\u1eeb 1 tri\u1ec7u \u0111\u1ebfn d\u01b0\u1edbi 100 tri\u1ec7u, x\u00e1c th\u1ef1c an to\u00e0n m\u1ee9c \u0111\u1ed9 3 cho c\u00e1c giao d\u1ecbch l\u1edbn h\u01a1n 100 tri\u1ec7u.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Nh\u01b0 v\u1eady, v\u1eeba \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau T\u1ed1i \u01b0u ho\u00e1 tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng m\u1edbi trong ng\u00e0nh c\u00f4ng nghi\u1ec7p d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh, v\u1eeba \u0110\u1ecbnh danh \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng m\u00e0 v\u1eabn tu\u00e2n th\u1ee7 theo c\u00e1c quy \u0111\u1ecbnh nghi\u00eam ng\u1eb7t c\u1ee7a ng\u00e0nh v\u00e0 kh\u00f4ng g\u00e2y th\u00eam phi\u1ec1n h\u00e0 cho kh\u00e1ch h\u00e0ng.<\/p>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\"><em>(C\u00e1c ngu\u1ed3n: Ch\u00ednh ph\u1ee7, Hi\u1ec7p h\u1ed9i ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, BizTech, The Verge)<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>C\u00f9ng v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ngh\u1ec7 v\u00e0 \u0111\u1ec3 \u0111\u01a1n gi\u1ea3n h\u00f3a c\u00e1c th\u1ee7 t\u1ee5c, gi\u1ea5y t\u1edd, t\u1ea1o thu\u1eadn l\u1ee3i cho kh\u00e1ch h\u00e0ng, hi\u1ec7n nay c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh\/ng\u00e2n h\u00e0ng \u1edf nhi\u1ec1u qu\u1ed1c gia v\u1edbi s\u1ef1 ch\u1ea5p thu\u1eadn c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd c\u00f3 th\u1ea9m quy\u1ec1n, \u0111\u00e3 \u00e1p d\u1ee5ng m\u1ed9t s\u1ed1 ph\u01b0\u01a1ng th\u1ee9c\u00a0\u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng \u0111i\u1ec7n t\u1eed (eKYC), ph\u01b0\u01a1ng th\u1ee9c \u0111\u1ecbnh danh kh\u00f4ng c\u1ea7n g\u1eb7p m\u1eb7t tr\u1ef1c ti\u1ebfp. T\u1ea1i Vi\u1ec7t Nam, tr\u01b0\u1edbc \u0111\u00e2y, theo quy \u0111\u1ecbnh, \u0111\u1ec3 ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n, kh\u00e1ch h\u00e0ng mu\u1ed1n l\u1eadp t\u00e0i kho\u1ea3n ph\u1ea3i tr\u1ef1c ti\u1ebfp \u0111\u1ebfn ng\u00e2n h\u00e0ng \u0111\u1ec3 x\u00e1c th\u1ef1c danh<\/p>\n","protected":false},"author":1,"featured_media":173,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16,15],"tags":[18,17],"class_list":["post-172","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dinh-danh","category-ngan-hang","tag-ekyc","tag-faceid"],"_links":{"self":[{"href":"https:\/\/alphavn.com.vn\/index.php?rest_route=\/wp\/v2\/posts\/172","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alphavn.com.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alphavn.com.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alphavn.com.vn\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alphavn.com.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=172"}],"version-history":[{"count":1,"href":"https:\/\/alphavn.com.vn\/index.php?rest_route=\/wp\/v2\/posts\/172\/revisions"}],"predecessor-version":[{"id":174,"href":"https:\/\/alphavn.com.vn\/index.php?rest_route=\/wp\/v2\/posts\/172\/revisions\/174"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alphavn.com.vn\/index.php?rest_route=\/wp\/v2\/media\/173"}],"wp:attachment":[{"href":"https:\/\/alphavn.com.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=172"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alphavn.com.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=172"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alphavn.com.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=172"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}