{"id":6702,"date":"2020-05-12T10:41:21","date_gmt":"2020-05-12T10:41:21","guid":{"rendered":"https:\/\/innotech-vn.com\/?p=6702"},"modified":"2024-06-04T17:36:58","modified_gmt":"2024-06-04T10:36:58","slug":"cach-xay-dung-ung-dung-vi-dien-tu-cho-giai-phap-ky-thuat-so","status":"publish","type":"post","link":"https:\/\/innotech-vn.com\/vie\/cach-xay-dung-ung-dung-vi-dien-tu-cho-giai-phap-ky-thuat-so\/","title":{"rendered":"C\u00e1ch X\u00e2y D\u1ef1ng \u1ee8ng D\u1ee5ng V\u00ed \u0110i\u1ec7n T\u1eed Cho Gi\u1ea3i Ph\u00e1p K\u1ef9 Thu\u1eadt S\u1ed1"},"content":{"rendered":"<p>C\u00f3 nhi\u1ec1u lo\u1ea1i \u1ee9ng d\u1ee5ng tr\u00ean th\u1ecb tr\u01b0\u1eddng nh\u01b0 c\u00e1c \u1ee9ng d\u1ee5ng theo nhu c\u1ea7u ng\u01b0\u1eddi d\u00f9ng (on-demand apps), \u1ee9ng d\u1ee5ng theo d\u00f5i s\u1ef1 ki\u1ec7n (event apps), \u1ee9ng d\u1ee5ng doanh nghi\u1ec7p (corporate apps), \u1ee9ng d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed (e-commerce apps), v.v. H\u1ea7u h\u1ebft c\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y bao g\u1ed3m t\u00edch h\u1ee3p giao d\u1ecbch ti\u1ec1n t\u1ec7 v\u1edbi c\u00e1c \u1ee9ng d\u1ee5ng c\u1ee7a b\u00ean th\u1ee9 ba. C\u00e1c \u1ee9ng d\u1ee5ng c\u1ee7a b\u00ean th\u1ee9 ba \u0111\u00f3 \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 <strong><a href=\"https:\/\/innotech-vn.com\/vie\/cach-xay-dung-ung-dung-vi-dien-tu-cho-giai-phap-ky-thuat-so\/\">v\u00ed \u0111i\u1ec7n t\u1eed<\/a>. <\/strong>C\u00e1c \u1ee9ng d\u1ee5ng cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng thanh to\u00e1n c\u00e1c ho\u00e1 \u0111\u01a1n m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng.<\/p>\n<p>Theo m\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t v\u00e0o n\u0103m 2015, 39% ng\u01b0\u1eddi tham gia kh\u1ea3o s\u00e1t thanh to\u00e1n tr\u00ean thi\u1ebft b\u1ecb di \u0111\u1ed9ng \u1edf M\u1ef9.\u00a0 H\u1ecd c\u0169ng \u0111\u00e3 th\u1ef1c hi\u1ec7n m\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t t\u01b0\u01a1ng t\u1ef1 v\u00e0o n\u0103m 2016 v\u1edbi 32% ng\u01b0\u1eddi tham gia thanh to\u00e1n tr\u1ef1c tuy\u1ebfn v\u00e0 s\u1eed d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed. Trong \u0111\u00f3, 78% kh\u00e1ch h\u00e0ng \u0111\u00e3 bi\u1ebft v\u1ec1 ch\u00fang.<\/p>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"wp-image-6667 size-full aligncenter\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin2.png\" alt=\"\u0110i\u1ec7n tho\u1ea1i th\u00f4ng minh s\u1ebd thay th\u1ebf ti\u1ec1n m\u1eb7t v\u00e0 th\u1ebb t\u00edn d\u1ee5ng?\" width=\"80%\" srcset=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin2.png 908w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin2-300x213.png 300w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin2-768x546.png 768w\" sizes=\"(max-width: 908px) 100vw, 908px\" \/><\/p>\n<p style=\"text-align: center;\"><em>\u0110i\u1ec7n tho\u1ea1i th\u00f4ng minh s\u1ebd thay th\u1ebf ti\u1ec1n m\u1eb7t v\u00e0 th\u1ebb t\u00edn d\u1ee5ng? | Ngu\u1ed3n: Statista<\/em><\/p>\n<p>&nbsp;<\/p>\n<p>Trong m\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t kh\u00e1c v\u00e0o n\u0103m 2017, c\u00e1c \u1ee9ng d\u1ee5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed cho c\u00e1c c\u1eeda h\u00e0ng b\u00e1n l\u1ebb tr\u1ef1c tuy\u1ebfn l\u00e0 ph\u1ed5 bi\u1ebfn nh\u1ea5t v\u1edbi 63% ng\u01b0\u1eddi d\u00f9ng so v\u1edbi t\u1ed5ng ng\u01b0\u1eddi d\u00f9ng di \u0111\u1ed9ng. Theo <a href=\"https:\/\/www.juniperresearch.com\/home\">Juniper Research<\/a>, chi ti\u00eau tr\u00ean v\u00ed \u0111i\u1ec7n t\u1eed \u0111\u00e3 t\u0103ng 32% so v\u1edbi d\u1ef1 ki\u1ebfn.<\/p>\n<p>Theo b\u00e1o c\u00e1o c\u1ee7a <a href=\"https:\/\/www.statista.com\/statistics\/226530\/mobile-payment-transaction-volume-forecast\/\">Statista<\/a>, doanh thu c\u1ee7a th\u1ecb tr\u01b0\u1eddng v\u00ed \u0111i\u1ec7n t\u1eed to\u00e0n c\u1ea7u \u0111\u00e3 t\u0103ng t\u1eeb 450 t\u1ef7 l\u00ean 780 t\u1ef7 \u0111\u00f4la M\u1ef9. C\u00e1c chuy\u00ean gia d\u1ef1 \u0111o\u00e1n th\u1ecb tr\u01b0\u1eddng n\u00e0y s\u1ebd t\u0103ng tr\u01b0\u1edfng l\u00ean \u0111\u1ebfn 1 ngh\u00ecn t\u1ef7 \u0111\u00f4la M\u1ef9 trong n\u0103m 2019.<\/p>\n<p>&nbsp;<\/p>\n<h1><strong>V\u00ed \u0111i\u1ec7n t\u1eed (e-wallet) l\u00e0 g\u00ec?<\/strong><\/h1>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"wp-image-6669 size-full aligncenter\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin3.png\" alt=\"V\u00ed \u0111i\u1ec7n t\u1eed \u0111ang tr\u1edf th\u00e0nh xu h\u01b0\u1edbng c\u1ee7a ng\u01b0\u1eddi d\u00f9ng hi\u1ec7n \u0111\u1ea1i\" width=\"80%\" srcset=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin3.png 641w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin3-300x225.png 300w\" sizes=\"(max-width: 641px) 100vw, 641px\" \/><\/p>\n<p style=\"text-align: center;\"><em>V\u00ed \u0111i\u1ec7n t\u1eed \u0111ang tr\u1edf th\u00e0nh xu h\u01b0\u1edbng c\u1ee7a ng\u01b0\u1eddi d\u00f9ng hi\u1ec7n \u0111\u1ea1i<\/em><\/p>\n<p>&nbsp;<\/p>\n<p>V\u00ed ti\u1ec1n th\u00f4ng th\u01b0\u1eddng l\u01b0u tr\u1eef ti\u1ec1n m\u1eb7t v\u00e0 v\u00ed \u0111i\u1ec7n t\u1eed l\u01b0u gi\u1eef th\u00f4ng tin th\u1ebb v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed (kh\u00f4ng ph\u1ea3i ti\u1ec1n m\u1eb7t).<\/p>\n<p>V\u00ed \u0111i\u1ec7n t\u1eed th\u01b0\u1eddng \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 l\u01b0u tr\u1eef c\u00e1c th\u00f4ng tin c\u1ee7a th\u1ebb, ti\u1ec1n \u0111i\u1ec7n t\u1eed nh\u01b0 bitcoin, th\u00f4ng tin kh\u00e1ch h\u00e0ng th\u00e2n thi\u1ebft, th\u1ebb th\u00e0nh vi\u00ean c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c ho\u1eb7c c\u00e2u l\u1ea1c b\u1ed9, v.v. Vi\u1ec7c th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch th\u00f4ng qua c\u00e1c <a href=\"https:\/\/innotech-vn.com\/vie\/cach-xay-dung-ung-dung-vi-dien-tu-cho-giai-phap-ky-thuat-so\/\"><strong>\u1ee9ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed<\/strong><\/a> r\u1ea5t d\u1ec5 d\u00e0ng. C\u00e1c th\u00f4ng tin \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng v\u1ec1 sau m\u00e0 kh\u00f4ng c\u1ea7n truy c\u1eadp th\u00f4ng tin th\u1ebb l\u1ea1i.<\/p>\n<p>C\u00e1c \u1ee9ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 mua s\u1eafm tr\u1ef1c tuy\u1ebfn, thanh to\u00e1n tr\u1ef1c tuy\u1ebfn, v.v. Ng\u01b0\u1eddi d\u00f9ng \u0111\u1ed3ng th\u1eddi c\u00f3 th\u1ec3 thanh to\u00e1n t\u1ea1i c\u1eeda h\u00e0ng b\u00e1n l\u1ebb. Nh\u1eefng thanh to\u00e1n n\u00e0y c\u00e1c th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng s\u1ed1 \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng ho\u1eb7c m\u00e3 QR \u0111\u00e3 \u0111\u0103ng k\u00ed.<\/p>\n<p>Ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 d\u00f9ng v\u00e0 \u0111\u1ed5i phi\u1ebfu gi\u1ea3m gi\u00e1 \u0111\u01b0\u1ee3c l\u01b0u gi\u1eef trong v\u00ed \u0111i\u1ec7n t\u1eed theo y\u00eau c\u1ea7u. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i xem x\u00e9t t\u1ea5t c\u1ea3 c\u00e1c ch\u1ee9c n\u0103ng n\u00e0y trong khi ph\u00e1t tri\u1ec3n \u1ee9ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Ng\u00e0nh n\u00e0o c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb c\u00e1c \u1ee9ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed?<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p>Nh\u01b0 \u0111\u00e3 nh\u1eafc \u0111\u1ebfn \u1edf tr\u00ean, ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 d\u00f9ng c\u00e1c \u1ee9ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed m\u1ecdi l\u00fac, m\u1ecdi n\u01a1i; y\u00eau c\u1ea7u c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 ph\u1ea3i cung c\u1ea5p c\u00e1c c\u01a1 s\u1edf \u0111\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c \u0111i\u1ec1u \u0111\u00f3. Khi thanh to\u00e1n b\u1eb1ng v\u00ed \u0111i\u1ec7n t\u1eed \u0111ang ng\u00e0y c\u00e0ng tr\u1edf n\u00ean \u01b0a chu\u1ed9ng, nhi\u1ec1u ng\u00e0nh c\u00f4ng nghi\u1ec7p c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb n\u00f3 nh\u01b0:<\/p>\n<p>&nbsp;<\/p>\n<h3>1. Ng\u00e0nh b\u00e1n l\u1ebb<\/h3>\n<p>&nbsp;<\/p>\n<p>Ch\u1ee7 c\u1eeda h\u00e0ng b\u00e1n l\u1ebb c\u00f3 th\u1ec3 cung c\u1ea5p m\u00e3 QR \u0111\u1ec3 ng\u01b0\u1eddi d\u00f9ng thanh to\u00e1n c\u00e1c ho\u00e1 \u0111\u01a1n. H\u1ecd s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c tin nh\u1eafn ngay l\u1eadp t\u1ee9c t\u1eeb \u1ee9ng d\u1ee5ng v\u1ec1 giao d\u1ecbch th\u00e0nh c\u00f4ng.<\/p>\n<p><img decoding=\"async\" class=\"wp-image-6708 size-full aligncenter\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/Mobile-online-retail-payments-319-billion-2020.png\" alt=\" Thanh to\u00e1n tr\u1ef1c tuy\u1ebfn tr\u00ean thi\u1ebft b\u1ecb di \u0111\u1ed9ng \u0111\u1ec3 \u0111\u1ea1t 319 t\u1ef7 \u0111\u00f4la M\u1ef9 v\u00e0o n\u0103m 2020\" width=\"80%\" srcset=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/Mobile-online-retail-payments-319-billion-2020.png 960w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/Mobile-online-retail-payments-319-billion-2020-300x225.png 300w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/Mobile-online-retail-payments-319-billion-2020-768x576.png 768w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/><\/p>\n<p style=\"text-align: center;\"><em>Thanh to\u00e1n tr\u1ef1c tuy\u1ebfn tr\u00ean thi\u1ebft b\u1ecb di \u0111\u1ed9ng n\u0103m 2020|Ngu\u1ed3n: Javelin<\/em><\/p>\n<p>&nbsp;<\/p>\n<h3>2. Ng\u00e0nh ch\u0103m s\u00f3c s\u1ee9c kho\u1ebb<\/h3>\n<p>&nbsp;<\/p>\n<p>M\u1ed9t tr\u01b0\u1eddng h\u1ee3p \u0111i\u1ec3n h\u00ecnh m\u00e0 b\u1ec7nh nh\u00e2n ho\u1eb7c ng\u01b0\u1eddi th\u00e2n c\u1ee7a h\u1ecd c\u00f3 th\u1ec3 h\u1ebft ti\u1ec1n m\u1eb7t \u0111\u1ec3 chi tr\u1ea3 v\u00e0 do \u0111\u00f3, \u1ee9ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed \u0111\u1ec3 thanh to\u00e1n ho\u00e1 \u0111\u01a1n l\u00e0 m\u1ed9t \u0111i\u1ec3m c\u1ed9ng cho b\u1ec7nh vi\u1ec7n, c\u1eeda h\u00e0ng d\u01b0\u1ee3c ph\u1ea9m v\u00e0 c\u0169ng nh\u01b0 ng\u01b0\u1eddi d\u00f9ng.<\/p>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"wp-image-6673 size-full aligncenter\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin5.png\" alt=\"\u1ee8ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed trong thanh to\u00e1n kh\u00e1m ch\u1eefa b\u1ec7nh.\" width=\"80%\" srcset=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin5.png 864w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin5-300x150.png 300w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin5-768x383.png 768w\" sizes=\"(max-width: 864px) 100vw, 864px\" \/><\/p>\n<p style=\"text-align: center;\"><em>\u1ee8ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed trong thanh to\u00e1n kh\u00e1m ch\u1eefa b\u1ec7nh.<\/em><\/p>\n<p>&nbsp;<\/p>\n<h3>3. Ng\u00e0nh vi\u1ec5n th\u00f4ng<\/h3>\n<p>&nbsp;<\/p>\n<p>\u0110i\u1ec1u g\u00ec s\u1ebd x\u1ea3y ra n\u1ebfu ng\u01b0\u1eddi d\u00f9ng mu\u1ed1n th\u1ef1c hi\u1ec7n m\u1ed9t giao d\u1ecbch quan tr\u1ecdng v\u00e0 h\u1ebft ti\u1ec1n trong t\u00e0i kho\u1ea3n \u0111\u00f3? C\u00e1c \u1ee9ng d\u1ee5ng \u0111i\u1ec7n t\u1eed n\u00e0y r\u1ea5t h\u1eefu \u00edch \u0111\u1ec3 gi\u00fap \u0111\u1ee1 trong nh\u1eefng t\u00ecnh hu\u1ed1ng n\u00e0y, ng\u01b0\u1eddi d\u00f9ng kh\u00f4ng c\u1ea7n \u0111\u1ebfn c\u1eeda h\u00e0ng v\u00e0 n\u1ea1p ti\u1ec1n b\u1eb1ng c\u00e1ch tr\u1ea3 ti\u1ec1n m\u1eb7t. H\u1ecd ch\u1ec9 c\u1ea7n n\u1ea1p ti\u1ec1n th\u00f4ng qua c\u00e1c <a href=\"https:\/\/innotech-vn.com\/vie\/cach-xay-dung-ung-dung-vi-dien-tu-cho-giai-phap-ky-thuat-so\/\"><strong>\u1ee9ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed<\/strong><\/a>.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>C\u00f4ng d\u1ee5ng c\u1ee7a v\u00ed \u0111i\u1ec7n t\u1eed?<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<ul>\n<li>Thanh to\u00e1n th\u01b0\u01a1ng m\u1ea1i tr\u1ef1c tuy\u1ebfn: \u0110\u00e2y l\u00e0 khi ng\u01b0\u1eddi d\u00f9ng th\u1ef1c hi\u1ec7n b\u1ea5t k\u1ef3 mua s\u1eafm tr\u1ef1c tuy\u1ebfn v\u00e0 thanh to\u00e1n tr\u1ef1c tuy\u1ebfn cho h\u00e0ng ho\u00e1\/ d\u1ecbch v\u1ee5. \u1ede \u0111\u00e2y ng\u01b0\u1eddi d\u00f9ng c\u0169ng nh\u1eadn \u0111\u01b0\u1ee3c ho\u00e1 \u0111\u01a1n c\u1ee7a giao d\u1ecbch \u0111\u00f3.<\/li>\n<li>Thanh to\u00e1n ngang h\u00e0ng tr\u1ef1c tuy\u1ebfn: M\u1ed9t s\u1ed1 \u1ee9ng d\u1ee5ng n\u1ed5i ti\u1ebfng nh\u01b0 Google Pay, Venmo v\u00e0 ClearXchange cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng g\u1eedi v\u00e0 nh\u1eadn ti\u1ec1n th\u00f4ng qua di \u0111\u1ed9ng. S\u1ed1 ti\u1ec1n c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn 1 t\u1ef7 \u0111\u00f4la M\u1ef9. Nh\u1eefng \u1ee9ng d\u1ee5ng c\u0169ng cung c\u1ea5p d\u1ecbch v\u1ee5 chuy\u1ec3n ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng ng\u01b0\u1eddi d\u00f9ng \u0111\u01b0\u1ee3c li\u00ean k\u1ebft sang m\u1ed9t t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng kh\u00e1c.<\/li>\n<li>Thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac\/ Thanh to\u00e1n POS: C\u00e1c thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac di\u1ec5n ra t\u1ea1i qu\u1ea7y thanh to\u00e1n. Ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 th\u00e0nh to\u00e1n b\u1eb1ng c\u00f4ng ngh\u1ec7 kh\u00f4ng ti\u1ebfp x\u00fac.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"wp-image-6677 size-full aligncenter\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin8.png\" alt=\"Thanh to\u00e1n POS\" width=\"80% \" srcset=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin8.png 788w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin8-300x140.png 300w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin8-768x359.png 768w\" sizes=\"(max-width: 788px) 100vw, 788px\" \/><\/p>\n<p style=\"text-align: center;\"><em>Thanh to\u00e1n POS<\/em><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>5 c\u00e1ch \u0111\u1ec3 th\u1ef1c hi\u1ec7n thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac:<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<h3>1. NFC<\/h3>\n<p>&nbsp;<\/p>\n<p><strong>NFC<\/strong> vi\u1ebft t\u1eafc c\u1ee7a <strong>giao th\u1ee9c giao ti\u1ebfp tr\u01b0\u1eddng g\u1ea7n<\/strong> cho ph\u00e9p thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac gi\u1eefa m\u1ed9t \u0111i\u1ec7n tho\u1ea1i th\u00f4ng m\u00ecnh h\u1ed7 tr\u1ee3 NFC v\u00e0 m\u1ed9t m\u00e1y ph\u00e1t g\u1eafn v\u1edbi thi\u1ebft b\u1ecb POS. NFC d\u00f9ng c\u00f4ng ngh\u1ec7 m\u00f4 ph\u1ecfng th\u1ebb thanh to\u00e1n \u2013 Card Emulation \u0111\u1ec3 l\u1eefu tr\u1eef th\u00f4ng tin th\u1ebb d\u01b0\u1edbi d\u1ea1ng k\u0129 thu\u1eadt s\u1ed1 trong v\u00ed \u0111i\u1ec7n t\u1eed. N\u00f3 s\u1ebd truy xu\u1ea5t th\u00f4ng tin thanh to\u00e1n c\u1ee7a ng\u01b0\u1eddi d\u00f9ng v\u00e0 truy\u1ec1n th\u00f4ng tin tr\u00ean th\u00f4ng qua NFC \u0111\u1ebfn thi\u1ebft b\u1ecb \u0111\u1ea7u cu\u1ed1i thanh to\u00e1n trong su\u1ed1t giao d\u1ecbch.<\/p>\n<p>N\u1ebfu d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c thu th\u1eadp, ng\u01b0\u1eddi d\u00f9ng kh\u00f4ng c\u1ea7n k\u1ebft n\u1ed1i v\u1edbi internet. NFC d\u00f9ng EMVCo (Europay, MasterCard v\u00e0 Visa) ho\u1eb7c c\u00f4ng ngh\u1ec7 token ho\u00e1 trong khi ph\u00e1t tri\u1ec3n v\u00ed \u0111i\u1ec7n t\u1eed cho h\u1ec7 \u0111i\u1ec1u h\u00e0nh iOS. \u0110\u1ec3 ph\u00e1t tri\u1ec3n m\u1ed9t \u1ee9ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed cho h\u1ec7 \u0111i\u1ec1u h\u00e0nh Android, NFC v\u00e0 c\u00f4ng ngh\u1ec7 HCE l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t.<\/p>\n<p>&nbsp;<\/p>\n<h3>2. Bluetooth v\u00e0 iBeacon<\/h3>\n<p>&nbsp;<\/p>\n<p>C\u00f4ng ngh\u1ec7 iBeancon l\u00e0 c\u00e1ch t\u1ed1t nh\u1ea5t \u0111\u1ec3 chuy\u1ec3n d\u1eef li\u1ec7u v\u00e0 n\u00f3 kh\u00f4ng \u0111\u00f2i h\u1ecfi k\u1ebft n\u1ed1i internet. \u0110i\u1ec7n tho\u1ea1i th\u00f4ng minh v\u1edbi Bluetooth c\u00f3 th\u1ec3 b\u1eaft t\u00edn hi\u1ec7u t\u1eeb b\u1ed9 ph\u00e1t BLE (Bluetooth 4.0 tr\u1edf l\u00ean) b\u00ean ngo\u00e0i g\u1ecdi l\u00e0 beacon. Thi\u1ebft b\u1ecb \u0111\u1ea7u cu\u1ed1i POS t\u00ecm n\u1ea1p c\u00e1c chi ti\u1ebft c\u1ea7n thi\u1ebft \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef trong v\u00ed \u0111i\u00ean t\u1eed c\u1ee7a ng\u01b0\u1eddi d\u00f9ng th\u00f4ng qua c\u00e1c thi\u1ebft b\u1ecb beancon v\u00e0 c\u00f4ng ngh\u1ec7 Bluetooth. N\u00f3 l\u00e0m cho vi\u1ec7c mua s\u1eafm \u0111\u01a1n gi\u1ea3n h\u01a1n cho ng\u01b0\u1eddi d\u00f9ng.<\/p>\n<p>&nbsp;<\/p>\n<h3>3. M\u00e3 QR<\/h3>\n<p>&nbsp;<\/p>\n<p>L\u1ef1a ch\u1ecdn thay th\u1ebf cho NFC l\u00e0 m\u00e3 QR. Ng\u01b0\u1eddi c\u1ea7n h\u01b0\u1edbng camera qua m\u1ed9t \u1ee9ng d\u1ee5ng tr\u00ean m\u00e3 QR \u0111\u1ec3 ho\u00e0n t\u1ea5t giao d\u1ecbch mua h\u00e0ng. \u1ee8ng d\u1ee5ng LevelUp l\u00e0 m\u1ed9t \u1ee9ng d\u1ee5ng thanh to\u00e1n di \u0111\u1ed9ng c\u1ee7a M\u1ef9 c\u0169ng h\u1ed7 tr\u1ee3 thanh to\u00e1n QR.<\/p>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"wp-image-6681 size-full aligncenter\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin10.png\" alt=\"C\u00e1ch \u1ee9ng d\u1ee5ng LevelUP ho\u1ea1t \u0111\u1ed9ng.\" width=\"50%\" srcset=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin10.png 415w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin10-208x300.png 208w\" sizes=\"(max-width: 415px) 100vw, 415px\" \/><\/p>\n<p style=\"text-align: center;\"><em> C\u00e1ch \u1ee9ng d\u1ee5ng LevelUP ho\u1ea1t \u0111\u1ed9ng.<\/em><\/p>\n<h3><\/h3>\n<h3>4. \u1ee8ng d\u1ee5ng thanh to\u00e1n<\/h3>\n<p>&nbsp;<\/p>\n<p>Ch\u1ee9c n\u0103ng c\u01a1 b\u1ea3n c\u1ee7a c\u00e1c \u1ee9ng d\u1ee5ng thanh to\u00e1n l\u00e0 th\u1ef1c hi\u1ec7n thanh to\u00e1n d\u1ec5 d\u00e0ng. Nh\u1eefng \u1ee9ng d\u1ee5ng n\u00e0y li\u00ean k\u1ebft v\u1edbi c\u00e1c doanh nghi\u1ec7p b\u1ea3n \u0111\u1ecba v\u00e0 h\u1ed7 tr\u1ee3 t\u1ea5t c\u1ea3 c\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n. Paypal, Android pay, Apple pay l\u00e0 nh\u1eefng \u1ee9ng d\u1ee5ng thanh to\u00e1n \u0111\u01b0\u1ee3c \u01b0a chu\u1ed9ng \u0111ang m\u1edf r\u1ed9ng m\u1ea1ng ngo\u1ea1i tuy\u1ebfn \u0111\u1ec3 cung c\u1ea5p c\u00e1c t\u00f9y ch\u1ecdn thanh to\u00e1n t\u1ed1t h\u01a1n.<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" class=\"wp-image-6683 size-full aligncenter\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin11.png\" alt=\"PayPal \u0111i tr\u01b0\u1edbc trong cu\u1ed9c c\u1ea1nh tranh v\u00ed \u0111i\u1ec7n t\u1eed\" width=\"80%\" srcset=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin11.png 901w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin11-300x213.png 300w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin11-768x546.png 768w\" sizes=\"(max-width: 901px) 100vw, 901px\" \/> <em>PayPal \u0111i tr\u01b0\u1edbc trong cu\u1ed9c c\u1ea1nh tranh v\u00ed \u0111i\u1ec7n t\u1eed|Ngu\u1ed3n: Statista.<\/em><\/p>\n<p>&nbsp;<\/p>\n<h3>5. Thi\u1ebft b\u1ecb Wearable<\/h3>\n<p>&nbsp;<\/p>\n<p>Nhi\u1ec1u \u1ee9ng d\u1ee5ng nh\u01b0 Apple pay \u0111ang k\u1ebf ho\u1ea1ch h\u1ed7 tr\u1ee3 c\u00e1c thi\u1ebft b\u1ecb wearable th\u00f4ng qua ch\u00edp NFC. Theo tin t\u1ee9c m\u1edbi nh\u1ea5t, TD Bank Group v\u00e0 MasterCard g\u1ea7n \u0111\u00e2y \u0111\u00e3 h\u1ee3p t\u00e1c v\u1edbi m\u1ed9t c\u00f4ng ty thi\u1ebft b\u1ecb wearable n\u1ed5i ti\u1ebfng Nymi x\u00e2y d\u1ef1ng thanh to\u00e1n sinh tr\u1eafc h\u1ecdc \u0111\u1ea7u ti\u00ean tr\u00ean th\u1ebf gi\u1edbi b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng nh\u1ecbp tim c\u1ee7a ng\u01b0\u1eddi d\u00f9ng.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>T\u1ea1i sao b\u1ea3o m\u1eadt v\u00ed \u0111i\u1ec7n t\u1eed l\u1ea1i quan tr\u1ecdng?<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p>C\u00e1c nh\u00e0 ph\u00e1t tri\u1ec3n c\u1ea7n t\u1eadp trung h\u01a1n v\u00e0o b\u1ea3o m\u1eadt c\u1ee7a \u1ee9ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed b\u1edfi v\u00ec \u1ee9ng d\u1ee5ng v\u00ed thanh to\u00e1n di \u0111\u1ed9ng l\u01b0u tr\u1eef t\u1ea5t c\u1ea3 c\u00e1c th\u00f4ng tin ng\u00e2n h\u00e0ng c\u1ee7a ng\u01b0\u1eddi d\u00f9ng. M\u1ed9t m\u1ed1i quan t\u00e2m \u0111\u00e1ng k\u1ec3 c\u1ee7a ng\u01b0\u1eddi d\u00f9ng tr\u01b0\u1edbc khi t\u1ea3i xu\u1ed1ng v\u00e0 s\u1eed d\u1ee5ng c\u00e1c \u1ee9ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed l\u00e0 lo ng\u1ea1i vi ph\u1ea1m an ninh. C\u00e1c nh\u00e0 ph\u00e1t tri\u1ec3n ch\u00fa \u00fd r\u1ea5t l\u1edbn \u0111\u1ebfn b\u1ea3o m\u1eadt v\u00e0 vi ph\u1ea1m \u0111\u1ec3 kh\u00f4ng c\u00f3 chi ti\u1ebft t\u00e0i kho\u1ea3n n\u00e0o b\u1ecb \u0111\u00e1nh c\u1eafp ho\u1eb7c r\u00f2 r\u1ec9 t\u1ea1i th\u1eddi \u0111i\u1ec3m giao d\u1ecbch. Ng\u01b0\u1eddi tham gia m\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t n\u00f3i r\u1eb1ng h\u1ecd s\u1ee3 th\u1ef1c hi\u1ec7n thanh to\u00e1n tr\u1ef1c tuy\u1ebfn v\u00ec h\u1ecd lo l\u1eafng v\u1ec1 b\u1ea3o m\u1eadt chi\u1ebfm \u0111\u1ebfn 55%.<\/p>\n<p>M\u00e3 h\u00f3a \u0111i\u1ec3m-\u0111i\u1ec3m (P2PE) c\u00f3 th\u1ec3 gi\u00fap \u00edch r\u1ea5t nhi\u1ec1u trong vi\u1ec7c \u0111\u1ea3m b\u1ea3o an to\u00e0n cho t\u1ea5t c\u1ea3 c\u00e1c giao d\u1ecbch v\u00ec n\u00f3 m\u00e3 h\u00f3a to\u00e0n b\u1ed9 giao d\u1ecbch. Ngo\u00e0i ra, b\u1ea3o v\u1ec7 s\u1ed1 li\u1ec7u sinh tr\u1eafc h\u1ecdc c\u00f3 th\u1ec3 h\u1eefu \u00edch trong vi\u1ec7c cung c\u1ea5p b\u1ea3o m\u1eadt cho c\u00e1c \u1ee9ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed.<\/p>\n<p>Nh\u01b0 ch\u00fang ta c\u00f3 th\u1ec3 th\u1ea5y th\u1ecb tr\u01b0\u1eddng v\u00ed \u0111i\u1ec7n t\u1eed s\u1ebd t\u0103ng v\u1ecdt trong t\u01b0\u01a1ng lai, \u0111i\u1ec1u c\u1ea7n thi\u1ebft l\u00e0 c\u00e1c c\u00f4ng ty ph\u00e1t tri\u1ec3n \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng ph\u1ea3i t\u1eadp trung \u0111\u1ea7u t\u01b0 ph\u00e1t tri\u1ec3n c\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y.<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" class=\"wp-image-6685 size-full aligncenter\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin12.png\" alt=\"\u0110a s\u1ed1 ng\u01b0\u1eddi d\u00f9ng lo ng\u1ea1i v\u1ec1 t\u00ednh b\u1ea3o m\u1eadt c\u1ee7a v\u00ed \u0111i\u1ec7n t\u1eed\" width=\"100%\" srcset=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin12.png 905w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin12-300x168.png 300w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin12-768x429.png 768w\" sizes=\"(max-width: 905px) 100vw, 905px\" \/> <em>\u0110a s\u1ed1 ng\u01b0\u1eddi d\u00f9ng lo ng\u1ea1i v\u1ec1 t\u00ednh b\u1ea3o m\u1eadt c\u1ee7a v\u00ed \u0111i\u1ec7n t\u1eed|Ngu\u1ed3n: Chadwick Martin Bailey.<\/em><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>C\u00e1ch ph\u00e1t tri\u1ec3n v\u00ed \u0111i\u1ec7n t\u1eed:<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3>Cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng t\u1ef1 t\u1ea1o h\u1ed3 s\u01a1:<\/h3>\n<\/li>\n<\/ul>\n<p>Nh\u00e0 ph\u00e1t tri\u1ec3n n\u00ean cung c\u1ea5p cho m\u1ed7i ng\u01b0\u1eddi d\u00f9ng tu\u1ef3 ch\u1ecdn t\u1ea1o profile duy nh\u1ea5t. Ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 l\u01b0u tr\u1eef t\u1ea5t c\u1ea3 c\u00e1c th\u00f4ng tin nh\u01b0 t\u00ean, s\u1ed1 \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng, \u0111\u1ecba ch\u1ec9, th\u00f4ng tin ng\u00e2n h\u00e0ng, th\u00f4ng tin giao d\u1ecbch, v.v trong profile c\u1ee7a h\u1ecd. T\u00ednh n\u0103ng n\u00e0y \u0111\u00f3ng m\u1ed9t vai tr\u00f2 quan tr\u1ecdng v\u00ec n\u00f3 cung c\u1ea5p d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n ho\u00e1 v\u00e0 d\u1ec5 d\u00e0ng truy c\u1eadp \u1ee9ng d\u1ee5ng.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3>\u1ee8ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed \u0111\u1ed3ng b\u1ed9 ho\u00e1 nhi\u1ec1u th\u00f4ng tin ng\u00e2n h\u00e0ng:<\/h3>\n<\/li>\n<\/ul>\n<p>\u01afu \u0111i\u1ec3m l\u00e0 ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 c\u00f3 nhi\u1ec1u h\u01a1n m\u1ed9t t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng. \u1ee8ng d\u1ee5ng ph\u1ea3i c\u00f3 tu\u1ef3 ch\u1ecdn \u0111\u1ed3ng b\u1ed9 ho\u00e1 th\u00f4ng tin ng\u00e2n h\u00e0ng cho nhi\u1ec1u h\u01a1n m\u1ed9t ng\u00e2n h\u00e0ng. C\u00e1c nh\u00e0 ph\u00e1t tri\u1ec3n c\u1ea7n li\u00ean k\u1ebft ch\u1eb7t ch\u1ebd v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec3 ti\u1ebfn h\u00e0nh ch\u1ee9c n\u0103ng n\u00e0y. Ban \u0111\u1ea7u, c\u00e1c nh\u00e0 ph\u00e1t tri\u1ec3n c\u00f3 th\u1ec3 h\u1ee3p t\u00e1c v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn v\u00e0 n\u1ed5i ti\u1ebfng.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3>Kh\u00f4ng quy \u0111\u1ecbnh m\u1ee9c giao d\u1ecbch t\u1ed1i thi\u1ec3u:<\/h3>\n<\/li>\n<\/ul>\n<p>M\u1ed9t v\u00ed \u0111i\u1ec7n t\u1eed tuy\u1ec7t v\u1eddi cho ph\u00e9p nh\u1eefng ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 chuy\u1ec3n kho\u1ea3n d\u00f9 ch\u1ec9 1 \u0111\u00f4la M\u1ef9. Tuy nhi\u00ean c\u00e1c nh\u00e0 ph\u00e1t tri\u1ec3n \u1ee9ng d\u1ee5ng s\u1ebd quy\u1ebft \u0111\u1ecbnh m\u1ee9c gi\u1edbi h\u1ea1n t\u1ed1i \u0111a c\u1ee7a c\u00e1c giao d\u1ecbch.<\/p>\n<p>T\u01b0\u1edfng t\u01b0\u1ee3ng ng\u01b0\u1eddi d\u00f9ng c\u1ee7a b\u1ea1n \u0111ang mua m\u1ed9t \u00edt hoa qu\u1ea3 v\u00e0 h\u1ecd kh\u00f4ng mang theo ti\u1ec1n m\u1eb7t. Trong khi \u0111\u00f3, ng\u01b0\u1eddi b\u00e1n ch\u1ea5p nh\u1eadn thanh to\u00e1n b\u1eb1ng v\u00ed \u0111i\u1ec7n t\u1eed. Ho\u00e1 \u0111\u01a1n l\u00e0 2 \u0111\u00f4la M\u1ef9. Ng\u01b0\u1eddi d\u00f9ng s\u1ebd c\u00f3 th\u1ec3 tr\u1ea3 s\u1ed1 ti\u1ec1n ch\u1ec9 2 \u0111\u00f4la cho ng\u01b0\u1eddi b\u00e1n.\u00a0 \u0110\u00e2y l\u00e0 t\u00ednh n\u0103ng m\u00e0 ng\u01b0\u1eddi d\u00f9ng y\u00eau th\u00edch nh\u1ea5t.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3>Tu\u1ef3 ch\u1ecdn chia ho\u00e1 \u0111\u01a1n:<\/h3>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"wp-image-6687 size-full aligncenter\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin13.png\" alt=\"Chi ho\u00e1 \u0111\u01a1n tr\u00ean \u1ee9ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed r\u1ea5t \u0111\u01b0\u1ee3c ng\u01b0\u1eddi d\u00f9ng \u01b0a chu\u00f4ng.\" width=\"80%\" srcset=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin13.png 842w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin13-300x160.png 300w, https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/05\/fin13-768x410.png 768w\" sizes=\"(max-width: 842px) 100vw, 842px\" \/><\/p>\n<p style=\"text-align: center;\"><em>Chia ho\u00e1 \u0111\u01a1n tr\u00ean \u1ee9ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed r\u1ea5t \u0111\u01b0\u1ee3c ng\u01b0\u1eddi d\u00f9ng \u01b0a chu\u1ed9ng.<\/em><\/p>\n<p>&nbsp;<\/p>\n<p>M\u1ed9t s\u1ed1 \u1ee9ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed cung c\u1ea5p t\u00ednh n\u0103ng chia ho\u00e1 \u0111\u01a1n thanh to\u00e1n. Ng\u01b0\u1eddi d\u00f9ng ch\u1ec9 c\u1ea7n nh\u1eadp th\u00f4ng tin c\u1ee7a nh\u1eefng ng\u01b0\u1eddi d\u00f9ng kh\u00e1c v\u00e0 nh\u1eadp t\u1ed5ng ti\u1ec1n c\u1ee7a ho\u00e1 \u0111\u01a1n, sau \u0111\u00f3 \u1ee9ng d\u1ee5ng s\u1ebd chia \u0111\u1ec1u s\u1ed1 ti\u1ec1n c\u1ea7n thanh to\u00e1n. \u1ee8ng d\u1ee5ng c\u0169ng th\u00f4ng b\u00e1o cho c\u00e1c th\u00e0nh vi\u00ean kh\u00e1c trong nh\u00f3m. \u0110\u00e2y l\u00e0 t\u00ednh n\u0103ng ph\u00f9 h\u1ee3p cho c\u00e1c nh\u00f3m ng\u01b0\u1eddi d\u00f9ng ho\u1eb7c sinh vi\u00ean, nh\u1eefng ng\u01b0\u1eddi d\u00f9ng th\u01b0\u1eddng ph\u1ea3i chia ti\u1ec1n thanh to\u00e1n.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3>Ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng kh\u00f4ng c\u1ea7n \u0111i\u1ec1n th\u00f4ng tin ng\u00e2n h\u00e0ng:<\/h3>\n<\/li>\n<\/ul>\n<p>Nhi\u1ec1u <strong>\u1ee9ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed<\/strong> kh\u00f4ng b\u1eaft bu\u1ed9c ng\u01b0\u1eddi d\u00f9ng ph\u1ea3i \u0111\u1ed3ng b\u1ed9 ho\u00e1 th\u00f4ng tin ng\u00e2n h\u00e0ng v\u1edbi \u1ee9ng d\u1ee5ng. \u0110i\u1ec1u g\u00ec x\u1ea3y ra n\u1ebfu b\u1ea5t c\u1ee9 ai mu\u1ed1n s\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng nh\u01b0ng kh\u00f4ng c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng. Trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p nh\u01b0 v\u1eady, ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng nh\u01b0ng kh\u00f4ng th\u1ec3 chuy\u1ec3n ti\u1ec1n v\u00e0o ng\u00e2n h\u00e0ng. Ch\u1ec9 khi m\u1ed9t ng\u01b0\u1eddi d\u00f9ng kh\u00e1c g\u1eedi ti\u1ec1n cho ng\u01b0\u1eddi d\u00f9ng n\u00e0y, th\u00ec ch\u1ec9 h\u1ecd m\u1edbi c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng s\u1ed1 ti\u1ec1n \u0111\u00f3 cho c\u00e1c giao d\u1ecbch.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3>Cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng g\u1eedi ti\u1ec1n cho nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng s\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng:<\/h3>\n<\/li>\n<\/ul>\n<p>N\u1ebfu ng\u01b0\u1eddi d\u00f9ng mu\u1ed1n g\u1eedi ti\u1ec1n cho ba m\u1eb9 h\u1ecd th\u00f4ng qua v\u00ed \u0111i\u1ec7n t\u1eed nh\u01b0ng b\u1ea1 m\u1eb9 h\u1ecd kh\u00f4ng s\u1eed d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed. Ng\u01b0\u1eddi d\u00f9ng ch\u1ec9 c\u1ea7n c\u00f3 th\u00f4ng tin t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng nh\u01b0 t\u00ean ng\u01b0\u1eddi c\u1ea7n giao d\u1ecbch, s\u1ed1 t\u00e0i kho\u1ea3n, t\u00ean ng\u00e2n h\u00e0ng, t\u00ean chi nh\u00e1nh ng\u00e2n h\u00e0ng, m\u00e3 s\u1ed1 chi nh\u00e1nh ng\u00e2n h\u00e0ng (IFSC code), v.v. \u0111\u1ec3 \u0111i\u1ec1n v\u00e0o \u1ee9ng d\u1ee5ng. T\u1ea5t c\u1ea3 c\u00e1c \u1ee9ng d\u1ee5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed \u0111\u1ec1u c\u00f3 m\u1ed9t t\u00f9y ch\u1ecdn g\u1ecdi l\u00e0 chuy\u1ec3n ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3>Bi\u00ean nh\u1eadn thanh to\u00e1n:<\/h3>\n<\/li>\n<\/ul>\n<p>M\u1ed7i ng\u01b0\u1eddi d\u00f9ng ph\u1ea3i nh\u1eadn \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn d\u01b0\u1edbi d\u1ea1ng bi\u00ean nh\u1eadn \u0111i\u1ec7n t\u1eed. Khi h\u1ecd \u0111\u1ebfn m\u1ed9t nh\u00e0 h\u00e0ng, sau khi thanh to\u00e1n ho\u00e1 \u0111\u01a1n, ng\u01b0\u1eddi qu\u1ea3n l\u00ed s\u1ebd cung c\u1ea5p cho h\u1ecd m\u1ed9t bi\u00ean nh\u1eadn thanh to\u00e1n. Bi\u00ean nh\u1eadn n\u00e0y l\u00e0 b\u1eb1ng ch\u1ee9ng cho c\u00e1c giao d\u1ecbch.<\/p>\n<p>Tr\u00ean \u1ee9ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed, ng\u01b0\u1eddi d\u00f9ng s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c bi\u00ean nh\u1eadn \u0111i\u1ec7n t\u1eed cho m\u1ed7i giao d\u1ecbch. Bi\u00ean nh\u1eadn thanh to\u00e1n bao g\u1ed3m s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c giao d\u1ecbch, th\u1eddi gian giao d\u1ecbch, th\u00f4ng tin ng\u01b0\u1eddi nh\u1eadn, th\u00f4ng tin ng\u01b0\u1eddi g\u1eedi, v.v.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h3>\u0110i\u1ec3m th\u01b0\u1edfng<\/h3>\n<\/li>\n<\/ul>\n<p>C\u00e1c \u1ee9ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed s\u1ebd cung c\u1ea5p m\u1ed9t t\u1ec9 l\u1ec7 chi\u1ebft kh\u1ea5u nh\u1ea5t \u0111\u1ecbnh cho ng\u01b0\u1eddi d\u00f9ng sau m\u1ed9t giao d\u1ecbch thanh to\u00e1n.<\/p>\n<p>V\u00ed d\u1ee5 nh\u01b0 c\u00e1c nh\u00e0 ph\u00e1t tri\u1ec3n \u1ee9ng d\u1ee5ng h\u00e0ng \u0111\u1ea7u c\u00f3 th\u1ec3 cung c\u1ea5p c\u00e1c \u0111i\u1ec3m th\u01b0\u1edfng, gi\u1ea3m gi\u00e1, v.v. Ngo\u00e0i ra, nhi\u1ec1u \u1ee9ng d\u1ee5ng s\u1ebd cung c\u1ea5p voucher mi\u1ec5n ph\u00ed n\u1ebfu ng\u01b0\u1eddi d\u00f9ng th\u1ef1c hi\u1ec7n giao d\u1ecbch v\u1edbi m\u1ed9t s\u1ed1 ti\u1ec1n c\u1ee5 th\u1ec3.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>K\u1ebft lu\u1eadn<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p>\u0110\u00e3 qua r\u1ed3i th\u1eddi k\u00ec m\u1ecdi ng\u01b0\u1eddi thanh to\u00e1n c\u00e1c ho\u00e1 \u0111\u01a1n b\u1eb1ng c\u00e1ch \u0111i \u0111\u1ebfn c\u00e1c \u0111i\u1ec3m nh\u1eadn thanh to\u00e1n. Qu\u00e1 tr\u00ecnh \u0111\u00f3 qu\u00e1 ph\u1ee9c t\u1ea1p v\u00e0 t\u1ed1n nhi\u1ec1u th\u1eddi gian. K\u1ec3 t\u1eeb khi M\u1ef9 th\u1ef1c hi\u1ec7n s\u1ed1 ho\u00e1, m\u1ecdi ng\u01b0\u1eddi \u0111\u00e3 b\u1eaft \u0111\u1ea7u thanh to\u00e1n h\u00f3a \u0111\u01a1n tr\u1ef1c tuy\u1ebfn. Th\u1ecb tr\u01b0\u1eddng v\u00ed \u0111i\u1ec7n t\u1eed \u0111ang ch\u1ee9ng ki\u1ebfn \u200b\u200bm\u1ed9t s\u1ef1 t\u0103ng v\u1ecdt tuy\u1ec7t v\u1eddi.<\/p>\n<p>Do \u0111\u00f3, c\u00e1c nh\u00e0 ph\u00e1t tri\u1ec3n ph\u1ea3i xem x\u00e9t th\u1ecb tr\u01b0\u1eddng n\u00e0y v\u00e0 b\u1eaft \u0111\u1ea7u ph\u00e1t tri\u1ec3n \u1ee9ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed. B\u00ean c\u1ea1nh \u0111\u00f3, c\u00e1c nh\u00e0 ph\u00e1t tri\u1ec3n ph\u1ea3i quan t\u00e2m \u0111\u1ebfn c\u00e1c v\u1ea5n \u0111\u1ec1 b\u1ea3o m\u1eadt, cung c\u1ea5p c\u00e1c t\u00ednh n\u0103ng kh\u00e1c nhau nh\u01b0 \u0111i\u1ec3m th\u01b0\u1edfng, chia h\u00f3a \u0111\u01a1n, \u0111\u1ed3ng b\u1ed9 h\u00f3a nhi\u1ec1u h\u01a1n m\u1ed9t chi ti\u1ebft ng\u00e2n h\u00e0ng, v.v.<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: right;\">T\u1ed5ng h\u1ee3p v\u00e0 d\u1ecbch: Innotech Vi\u1ec7t Nam<\/p>\n<hr \/>\n<p><a href=\"https:\/\/innotech-vn.com\/vie\/\"><b>Innotech Vietnam<\/b><\/a><span style=\"font-weight: 400;\"> lu\u00f4n n\u1ed7 l\u1ef1c \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u1edbi s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5, gi\u1ea3i ph\u00e1p ch\u1ea5t l\u01b0\u1ee3ng nh\u1ea5t. V\u00ec v\u1eady ch\u00fang t\u00f4i \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 tin t\u01b0\u1edfng t\u1eeb c\u00e1c c\u00f4ng ty l\u1edbn nh\u01b0 ACB, Tyme Bank, Unifimoney, Manulife, Commonwealth Bank,\u2026 \u1ee9ng d\u1ee5ng gi\u1ea3i ph\u00e1p do Innotech Vietnam cung c\u1ea5p.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">N\u1ebfu b\u1ea1n \u0111ang t\u00ecm ki\u1ebfm m\u1ed9t c\u00f4ng ty Fintech Outsourcing \u0111\u1ec3 cung c\u1ea5p gi\u1ea3i ph\u00e1p cho c\u00f4ng ty c\u1ee7a b\u1ea1n. Li\u00ean h\u1ec7 v\u1edbi c\u00e1c chuy\u00ean gia t\u1ea1i Innotech Vietnam \u0111\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3i \u0111\u00e1p m\u1ecdi th\u1eafc m\u1eafc v\u1ec1 <\/span><a href=\"https:\/\/innotech-vn.com\/vie\/software-development\/banking-and-financial-services\/\"><b>Fintech software Outsourcing<\/b><\/a><span style=\"font-weight: 400;\">!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Email: <\/span><a href=\"mailto:info@innotech-vn.com\"><span style=\"font-weight: 400;\">info@innotech-vn.com<\/span><\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>C\u00f3 nhi\u1ec1u lo\u1ea1i \u1ee9ng d\u1ee5ng tr\u00ean th\u1ecb tr\u01b0\u1eddng nh\u01b0 c\u00e1c \u1ee9ng d\u1ee5ng theo nhu c\u1ea7u ng\u01b0\u1eddi d\u00f9ng (on-demand apps), \u1ee9ng d\u1ee5ng theo d\u00f5i s\u1ef1 ki\u1ec7n (event apps), \u1ee9ng d\u1ee5ng doanh nghi\u1ec7p (corporate apps), \u1ee9ng d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed (e-commerce apps), v.v. H\u1ea7u h\u1ebft c\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y bao g\u1ed3m t\u00edch h\u1ee3p giao d\u1ecbch ti\u1ec1n [&hellip;]<\/p>","protected":false},"author":7,"featured_media":6700,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"yst_prominent_words":[2223,884,2778,2774,684,2784,2775,2772,1636,875,2785,2754,1295,1708,2779,2773,2771,2766,2764,628],"publishpress_future_action":{"enabled":false,"date":"2025-05-02 12:20:16","action":"draft","terms":[],"taxonomy":"category"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts\/6702"}],"collection":[{"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/comments?post=6702"}],"version-history":[{"count":14,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts\/6702\/revisions"}],"predecessor-version":[{"id":8133,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts\/6702\/revisions\/8133"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/media\/6700"}],"wp:attachment":[{"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/media?parent=6702"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/categories?post=6702"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/tags?post=6702"},{"taxonomy":"yst_prominent_words","embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/yst_prominent_words?post=6702"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}