Trng Cao ng Kinh t i ngoi

287 Phan nh Phng, Phng 15, Qun Ph Nhun,

Thnh ph H Ch Minh



Tiu Lun
Thng Mi in T
















Nhm thc hin: BC TRUNG NAM

Lp: CTATM13B

Gio vin hng dn: TRNG MINH HA





E-mobile Nhm: Bc Trung - Nam
2/36

MC LC

I. GII THIU DCH V THANH TON BNG IN THOI DI NG E-
MOBILE ........................................................................................................................... 5
1. Khi nim ............................................................................................................... 5
2. Phn loi ................................................................................................................. 5
a. Ngn hng di ng ( mobile banking ) ................................................................ 6
b. Chuyn tin v thanh ton di ng (mobile payments and money transfer) .......... 7
3. Cc m hnh trin khai dch v e-mobile ................................................................. 9
a. M hnh Ngn hng lm ch o (Bank-led Model) ............................................ 9
b. M hnh Cng ty di ng lm ch o (Operator-led Model) ............................ 10
c. M hnh hp tc Ngn hng - Vin thng (Partnership model) .......................... 11
4. Tnh nng ............................................................................................................. 11
II. CC N V TRIN KHAI THC HIN DCH V THANH TON BNG
IN THOI DI NG E-MOBILE ........................................................................ 13
1. Cc ngn hng ...................................................................................................... 13
2. Cc mng vin thng ............................................................................................ 14
3. Cc thng hiu thanh ton v cc cng ty cung cp cc dch v thanh ton phi
ngn hng ..................................................................................................................... 16
III. CC DCH V CHO PHP THANH TON BNG IN THOI DI NG E-
MOBILE ......................................................................................................................... 17
1. Dch v mobile banking ........................................................................................ 17
2. Dch v SMS banking ........................................................................................... 20
3. Dch v chuyn tin .............................................................................................. 20
4. Dch v thanh ton tin in, tin nc, tin in thoi, in hoa .......................... 21
5. Dch v ti game, ti hnh nn, ti nhc chung, nhc ch,. ............................... 22
6. Dch v mua th game .......................................................................................... 23
IV. CC MNG IN THOI CHO PHP THANH TON, CC YU CU V
IU KIN THAM GIA DCH V .............................................................................. 25
1. Cc mng in thoi cho php thanh ton ............................................................. 25
2. Cc yu cu v iu kin tham gia dch v ............................................................ 25
V. QUY TRNH THC HIN THANH TON ......................................................... 29
1. Dch v mobile banking ........................................................................................ 29
2. Mua th game bng in thoi di ng .................................................................. 31
3. Ti game, ti hnh nh v nhc chung, nhc ch .................................................. 32
4. Chuyn tin .......................................................................................................... 32
5. Thanh ton ha n ( tin nc, tin in, in thoi,) v dch v ..................... 34
VI. CC HN CH, RI RO V CC BIN PHP PHNG NGA ..................... 35
1. Hn ch ................................................................................................................ 35
2. Cc bin php phng nga .................................................................................... 35

Ti liu tham kho:
Mt s website cu cc t bo mng trn Internet:
http://www.thanhnien.com.vn, http://vatgia.com, http://tuoitre.vn,...v mt s
website ca cc ngn hng (HSBC Bank, Ocean Bank, ACB Bank) cng cc
mng vin thng (Viettel, Vinaphone,)
Li m u
3/36



LI M U

in thoi di ng mt phng tin thng tin lin lc a nng, l
mt phn cuc sng ca ngi dn trn th gii ni chung v ngi dn Vit
Nam ni ring. Chic in thoi di ng b xinh , a dng v mu sc v kiu
dng dng nh tr thnh vt bt ly thn ca mi ngi d bt c ni
no. Trn th gii hin c hn 500 triu ngi s dng in thoi di ng.
nhiu nc, s lng thu bao in thoi di ng vt thu bao c nh.
Ngay ti Vit Nam cng c kin cho rng trong vng 3 n 5 nm ti s
thu bao di ng s ngang bng v c th vt s thu bao c nh, vn n
tt c nhng vng su vng xa vi hn 13.000 im phc v cc dch v bu
chnh - vin thng. 93% trong tng s 8.826 x trong c nc, trong 100%
s x vng ng bng v trung du, 78,8% s x vng ni cao, bin gii
c my in thoi. Tng s in thoi hin t 8 triu my trong c nc (9,94
my/100 dn).
Cc nh sn xut , ang v s khng ngng nghin cu v to ra
nhng th h in thoi di ng ngy cng hin i, nhiu tnh nng u vit v
kiu dng c o v n tng hn. Bn cnh , xu hng thng mi in
t ngy cng pht trin, ch yu cc giao dch v thanh ton u thng qua
Internet. Tuy nhin, ngi thc hin cc giao dch khng th lc no cng
mang theo mnh chic my vi tnh hay laptop v kch thc ln v cng knh.
V in thoi di ng c nhn thy s l phng tin thanh ton th h mi
m ra c hi pht trin cho nhng bn ang v s tham gia. Chng ta c th
thc hin mi giao dch v thanh ton mi lc, mi ni khi chng ta mun
bng chic in thoi b xinh.
Chnh v th, dch v thanh ton bng in thoi di ng e-mobile
ra i p ng nhu cu ca ngi dn trong vic thanh ton v thc hin
qu trnh mua bn hng ha, gp phn pht trin nn kinh t nc nh ni
chung v ngnh thng mi in t ni ring.
Bi tiu lun ny s gip cc bn tm hiu r hn v dch v e-
mobile vi cc tnh nng vt tri v d dng s dng cc bn c th p
dng trong qu trnh thanh ton v giao dch.
E-mobile Nhm: Bc Trung - Nam
4/36




Danh sch thnh vin nhm

BC TRUNG - NAM










STT H v tn M s Ni sinh
1
Nguyn Thy Tr My 11 ng Thp
2 Nguyn Th L 10 Qung Nam
3 Ng Th Tuyt Then 29 ng Nai
4 Hunh ng Nguyn Khnh 6 Vng Tu
5 Th Hi Yn 48 Thi Bnh
6 Chu Nguyn Huyn Trn 35 Tin Giang
Gii thiu Nhm: Bc Trung - Nam
5/36
I. GII THIU DCH V THANH TON
BNG IN THOI DI NG E-MOBILE

S pht trin bng n cc yu cu thanh ton in t, c bit phi k n
s gp sc ch lc ca Internet nh mt knh thng mi cc k si ng m tim
nng nhng vn cha c khai thc ht. Ngi tiu dng trc y cha quen
vi Internet v ch s dng lm phng tin thu thp thng tin th nay ang dn dn
n nhn knh ny cho nhng quyt nh mua hng v cc giao dch mua bn ca
mnh. Nm 2007, doanh s bn l trc tuyn ti M tng ln 17 t USD v c
d on s cn tng ti 335 t USD vo nm 2012. Tng trng thng mi trong
knh ny c to iu kin bi nhng tin b trong cng ngh, cc ng dng v h
tng ng tin cy, tri nghim tiu dng v cc la chn thanh ton (c thng hiu
thanh ton truyn thng ln cc la chn mi nh PayPal) gia tng.

in thoi di ng c nhn thy s l phng tin thanh ton th h
mi m ra c hi pht trin cho nhng bn ang v s tham gia. Trn th gii hin
c hn 500 triu ngi s dng in thoi di ng. nhiu nc, s lng thu bao
in thoi di ng vt thu bao c nh. Ngay ti Vit Nam cng c kin
cho rng trong vng 3 n 5 nm ti s thu bao di ng s ngang bng v c th
vt s thu bao c nh. iu ny i hi cc nh khai thc kinh doanh dch v
in thoi di ng phi a ra cc dch v mi thng qua vic m rng hot ng v
lin kt vi cc i tc t nhiu lnh vc khc nhau.

1. Khi nim

E-mobile l dch v thanh ton qua in thoi di ng, mi giao dch v
thanh ton cc khon tin u c thc hin bng chic in thoi di ng

Thanh ton qua in thoi di ng vi nhiu nc trn th gii khng cn
l iu xa l khi chic in thoi di ng tr thnh vt bt ly thn ca mi ngi.

Khng cn ti khon ngn hng, khng cn ng k loi sim c bit,
ngi tiu dng vn c th mua hng v thanh ton qua in thoi di ng. Nhng
tin ch mi ny c d bo s n r nhanh chng trong thi gian ti y, khi s
lng thu bao di ng tng chng mt, cng vi s pht trin ca cng ngh ng
dng thng tin trong lnh vc thanh ton ni chung.

2. Phn loi

Thng mi di ng bao gm hai hng mc chnh:

Ngn hng di ng (mobile banking) ch nhng v tr in thoi di ng c
dng nh mt knh truy cp ti cc dch v ti chnh.
E-mobile Nhm: Bc Trung - Nam
6/36
Chuyn tin v thanh ton di ng (mobile payments and money transfer) ch
nhng ni in thoi di ng c dng nh mt thit b thanh ton tc
ng n vic chuyn gi tr t mt bn sang bn kia.

a. Ngn hng di ng ( mobile banking )

Hin nay, dch v ngn hng di ng thu ht s quan tm ng k ca
ngi dng v cc ng dng c trin khai rng khp nh vo s lng thu bao
ngn hng di ng tng ln khng ngng c bit l ti cc nc pht trin.

Dch v ny gip khch hng ngn hng kim tra bng quyt ton, tin
chuyn khon v nhn cc tin nhn thng bo. Cc tin nhn thng bo c gi n
khi c nhng din bin nht nh v d, khi s d trong ti khon nm di
ngng cho php (chng t cn phi chuyn tin vo p ng cc giao dch trong
tng lai).

Ngn hng di ng em li nhng tin ch ng k cho ngi tiu dng
trc y mun s dng dch v ngn hng, khch hng phi gi in thoi kim
tra s d ti khon hoc thc hin chuyn khon, thm ch bt tin hn l phi di
chuyn n chi nhnh ngn hng hoc my ATM thc hin thao tc kim tra.
Ngn hng di ng gim thiu s phin h, th tc rc ri cho khch hng bn cnh
cc tnh nng c bn l di ng, bo mt v cc chc nng h tr nh thng bo
khch hng ch ng hn. Cng ngh cho cc ng dng doanh nghip vn lin tc
pht trin v cho thy vin cnh tng trng trong tng lai.

Dch v mobile Banking gip khch hng d dng kim sot ti khon ca
mnh, mi lc, mi ni thng qua in thoi di ng (p dng cho tt c mng di
ng).

Gii php Mobile Banking bao gm cc thnh phn chnh sau:
H thng li Mobile banking tp trung x l cc giao dch trc tuyn t
Mobile ca khch hng.
Giao din kt ni vi h thng Core Banking, CMS, Switching hoc Internet
Banking.
Giao din kt ni vi cc nh cung cp dch v v tng i SMS
H thng ng dng qun l mobile banking:
o ng k dch v
o Qun l nh cung cp
o Qun l khch hng
o Qun l dch v trn Mobile
o Cp nht thng tin dch v cng cng: ATM, chi nhnh, a im
o Tra cu giao dch
o Qun l ph
Gii thiu Nhm: Bc Trung - Nam
7/36
o Bo co
Cc ng dng mobile banking trn cc nn in thoi ph bin:
Nokia(Symbian), Android, IPhone, Window Mobile, BlackBerry v cc dng
my tnh bng Ipad v Android Tablet.
Gii php mobile banking c th giao tip vi ngn hng qua SMS hoc
GPRS/3G/WiFi.
b. Chuyn tin v thanh ton di ng (mobile
payments and money transfer)

iu ng quan tm l in thoi di ng ang c s dng vt ngoi
phm vi ngn hng di ng nh th no tc ng ti vic chuyn gi tr t mt
bn sang bn kia. ng dng ny ha hn to ra khi lng giao dch bng n qua
in thoi di ng, khi khi lng giao dch khng l c th chuyn thnh cc c
hi kim li kch x cho cc nh u t. S tng trng trn th trng ny s ph
thuc vo mt vi nhn t then cht sau y: tng trng thu bao di ng, tnh
nng linh hot ca thit b di ng, s ra i lin tc ca cc thit b u cui chp
nhn khng gp g trc tip, quy m ca phn khc thu nhp v cc v tr a l truy
cp c cng ngh di ng.

c rt nhiu tng v/hoc cc pht trin trn ton cu thit lp
nn tng cho vic trin khai quy m ln v c n nhn rng ri. C nhiu loi
hnh thanh ton di ng khc nhau ty theo l do thc hin thanh ton. Mi loi hnh
ny tn ti di mt s hnh thc hin nay, tuy nhin mt vi tng hp dn hn
(V d: mobile top up) so vi cc loi hnh khc (V d: cc thanh ton di ng vt
l (physical) vn i hi phi c thi gian pht trin. Nhng loi hnh ny bao
gm:

o Thanh ton di ng t xa ch vic mua dch v hoc hng ha s hu
hnh t xa bng tin nhn SMS, trnh duyt giao thc ng dng khng dy,
hoc nng lc ng dng c quyn ca mt thit b di ng. H thng thanh
ton di ng t xa ca ni dung s thng qua cc nh khai thc di ng
(chng hn nh mua nhc chung hoc ni dung s) cng pht trin n
nh. Cc thanh ton di ng t xa hin cng ang c dng khi xng
mua hng ha hu hnh giao tn ni (chng hn, t mua sch mang n tn
nh).

o Mobile Top-Up ch np thm thi gian cho ti khon di ng tr trc
bng th tn dng, th ghi n hoc tin mt trc tip ti ni bn hng thng
qua th co, im giao dch (Point of Sale) v ki-t. Tim nng ca mobile
top up rt ha hn ti cc th trng m ti khon di ng tr trc chim a
s.

o Chuyn tin c nhn (Person-to-Person) ch vic chuyn tin gia cc thu
bao thng qua mt thit b di ng v thng c gi chung l chuyn tin
di ng. Trc y, cc c nhn c th ch thanh ton bng tin mt hoc sc.
E-mobile Nhm: Bc Trung - Nam
8/36
Chuyn tin bng tin nhn qua di ng mang li nhiu tin li cng nh m
bo an ton cho cc c nhn. Hin dch v ny c mt trn mt s th
trng.

o Thanh ton ha n di ng l ch vic dng mt thit b di ng thc
hin chuyn tin t mt c nhn ti mt doanh nghip nhm mc ch thanh
ton ngha v ha n. Ti cc th trng pht trin, thanh ton ha n
qua di ng tin li hn so vi cc hnh thc thanh ton qua Internet ang
thnh hnh. Ti cc nc ang pht trin, thanh ton ha n qua di ng th
hin mt s thay i ng k. Ti nhng th trng ny, ngi ta vn phi i
li n ni mua hng ha, dch v thc hin cc kiu thanh ton nht nh
chng hn, mang tin mt i mua v xe but. Chnh ti cc nc ny, knh
di ng ang hnh thnh nn h tng ngn hng.

o Thanh ton di ng vt l ch vic mua hng hoc dch v s dng thit
b di ng nh l im giao dch thng qua cng ngh thanh ton khng gp
g trc tip hay cn gi l thanh ton gn gi. Tha thun c xy dng
da trn cc chun dnh cho Thng tin lin lc vng ln cn, cng ngh ch
yu l thc y s pht trin ca loi hnh thanh ton qua di ng. Mc d
c nhng th nghim quan trng ti nhiu th trng song ngi ta khng
k vng dch v ny c n nhn rng ri trong ngn hn do cn phi c
thi gian v vn ln c th trin khai cc thit b u cui ti im giao
dch, thit b cm tay tng thch bn sn trn th trng v tha thun v m
hnh kinh doanh cho cc bn tham gia bao gm ngn hng v nh khai thc di
ng.




Hng pht trin ca thanh ton di ng
Gii thiu Nhm: Bc Trung - Nam
9/36

3. Cc m hnh trin khai dch v e-mobile

Trn th gii hin nay c 3 m hnh trin khai Mobile Commerce chnh,
u c im chung l cho php ngi s dng thc hin giao dch, thanh ton mi
lc, mi ni thng qua in thoi di ng. Tuy nhin vai tr ca cc bn tham gia
trong cc m hnh ny c c im khc bit, ty thuc vo nhiu yu t nh iu
kin kinh t - x hi, c s h tng, chnh sch qun l, thi quen tiu dng ti
mi quc gia.


a. M hnh Ngn hng lm ch o (Bank-led Model)

M hnh ny ph bin ti cc nc c dch v ngn hng rt pht trin v
a phn ngi dn c ti khon ngn hng, v d Anh, M, Canada Cc ngn
hng xy dng nhng ng dng cho php khch hng s dng in thoi di ng

S d on doanh thu t thng mi di ng. (Ngun: Frost &
Sullivan)
E-mobile Nhm: Bc Trung - Nam
10/36
thc hin cc giao dch v thanh ton trn ti khon khch hng ca mnh. M hnh
ny c th c hiu l dch v ngn hng trn in thoi di ng (mobile banking).

Bn cnh knh giao dch ngn hng truyn thng nh ti quy giao dch
hay ti my ATM, th mobile banking ra i thc s em li phng thc giao
dch thun li cho khch hng. Khch hng khng phi n cc ngn hng m vn
c th thc hin giao dch bt c lc no, u mnh mun. Cc giao dch c th
c thc hin qua knh Mobile banking l truy vn thng tin ti khon, chuyn tin
gia cc ti khon ngn hng, thc hin thanh ton ha n, dch v Do tt c
giao dch thanh ton u da trn ti khon ti ngn hng nn c tnh an ton cao.

im yu ca m hnh ny l khch hng bt buc phi c ti khon m
ti ngn hng trc khi s dng dch v, i vi nhng nc ang pht trin c t l
dn c dng dch v ngn hng t th y l mt m hnh trin kh trin khai din
rng.

b. M hnh Cng ty di ng lm ch o (Operator-
led Model)

Trong m hnh ny, cc nh cung cp dch v vin thng di ng ch
ng ng ra cung cp dch v thanh ton cho thu bao s dng dch v ca mnh.
M hnh ny c bit pht trin ti cc th trng mi ni c c im sau:

Phn ng dn s cha tip cn vi cc dch v ngn hng.
Khng c thi quen s dng cc phng tin phi tin mt trong thanh
ton.
Cng ng s dng in thoi di ng ln.
Nhu cu chuyn tin, thanh ton nh l trong dn c cao.

s dng dch v, khch hng ch cn l thu bao ca nh mng, khng
nht thit phi c ti khon ti ngn hng. Sau khi ng k dch v, khch hng
c cp mt ti khon di dng V in t v s ti khon chnh l s in thoi
di ng ca mnh. Ngi s dng c th np tin vo V thng qua nhiu cch thc:
np ti i l ca Cng ty vin thng, np tin qua th co (ca Cng ty Vin thng
pht hnh) hoc chuyn t ti khon ngn hng Khch hng c th thc hin cc
giao dch nh chuyn tin sang mt v in t (thu bao in thoi di ng) khc,
thanh ton hng ha dch v, rt tin mt t v in t...

u im ca loi hnh dch v ny nm :

Tnh n gin,
Tin dng (khch hng khng cn m ti khon ngn hng)
Giao dch nhanh chng (thi gian giao dch tnh bng thi gian gi
SMS)
Chi ph r (theo cc SMS ca nh mng).

Gii thiu Nhm: Bc Trung - Nam
11/36
c. M hnh hp tc Ngn hng - Vin thng
(Partnership model)

Trong m hnh ny, ngn hng, cng ty vin thng v cc nh cung cp
gii php cng hp tc a ra sn phm thanh ton m bo s tin li v xm
nhp rng khp vo khi khch hng thu bao di ng, ng thi vn duy tr c
s qun l cht ch v ti chnh ca ngnh ngn hng.

Trong m hnh ny, ngn hng s ng vai tr qun l ngun tin v x l
cc nghip v thanh quyt ton, qun l ri ro trong khi cc cng ty di ng ph
trch vic kinh doanh, giao dch trc tip vi khch hng, cc im bn l v dch v
khch hng.

Theo s liu ca Hip hi GSM th gii, n nm 2012 ton th gii s c
1,2 t ngi c in thoi di ng nhng khng c ti khon ngn hng, ch yu tp
trung ti cc nc ang pht trin khu vc chu , Nam M v Chu Phi. Ti nhng
th trng ni trn, m hnh hp tc gia Ngn hng, Vin thng kt hp nhng u
im ca 2 m hnh nu trn v ang l xu th chung nh nhng li ch n mang li.

= M hnh no cho Vit Nam?

Vi dn s hn 80 triu ngi trong khi ch c khong 12 triu ngi c
ti khon ngn hng(tng ng vi 15% dn s) chng t bao ph dch v
ngn hng c nhn l thp. Hin c nc c khong 17 triu ch th k c quc t v
ni a, tuy nhin thc t thanh ton tin mt vn ng vai tr ch yu trong cc
giao dch bn l. Ngi dn v c cc doanh nghip cung cp hng ha dch v u
cha quen vi vic dng th ngn hng cho mc ch thanh ton v vy thanh ton
bng th qua POS vn cn nhng bt tin nht nh.

Trong bi cnh , vic cung cp cc gii php thanh ton trn in thoi
di ng cho i tng khch hng khng c ti khon ngn hng (unbanked) l ht
sc cn thit. iu ny s gp phn to ra ng dng thanh ton tin li cho khch
hng, em li ngun li khng nh cho nh cung cp dch v di ng; ng thi gp
phn thc y xu hng khng s dng tin mt, tit kim chi ph cho x hi v gp
phn vo s pht trin ca nn kinh t.

4. Tnh nng

Dch v e-mobile c nhng tnh nng sau y:

ng k s dng dch v
Qun l ti khon
Chuyn tin gia cc ti khon trong ni b ngn hng
Cho php np tin vo ti khon qua nhiu knh
Np tin cho ti khon thu bao di ng
E-mobile Nhm: Bc Trung - Nam
12/36
Tra cu thng tin ti khon : danh sch ti khon, s d,
Tra cu bo co giao dch
Mua m th tr trc: m thu bao di ng tr trc, vina games,
Thanh ton ha n: in, nc, in thoi, in hoa, Internet, ha n ti
cc siu th,
Thanh ton cc giao dch trc tuyn v ph dch v
Chuyn tin
Cc n v trin khai e-mobile Nhm: Bc Trung - Nam
13/36

II. CC N V TRIN KHAI THC HIN
DCH V THANH TON BNG IN THOI DI
NG E-MOBILE

Thanh ton qua in thoi di ng vi nhiu nc trn th gii khng cn
l iu xa l khi chic in thoi di ng tr thnh vt bt ly thn ca mi ngi.
Ti Vit Nam c 7 nh cung cp dch v vin thng di ng ang hot ng, ph
sng rng khp mi min t nc. Theo thng k ca B Thng tin v Truyn
thng, s lng thu bao di ng ca Vit Nam tnh n thng 11 t 80 triu thu
bao, bnh qun mt ngi dn s hu mt thu bao in thoi di ng. Vic s dng
in thoi di ng khng ch ph bin trong lp tr hay thnh th m ph bin
vi mi i tng. C hn 50 ngn hng ang hot ng v tham gia trong th
trng ngn hng bn l Vit Nam. C th ni Vit Nam l th trng c tim nng
rt ln khai thc cc dch v thanh ton di ng.

Theo thng k ca Cc Thng mi in t (B Thng tin v Truyn
thng), hin c 16 ngn hng v 3 cng ty cung cp dch v tin ch qua in thoi
di ng, c chia lm 2 nhm: nhm cung cp thng tin (truy vn s d ti khon,
lit k giao dch, thng tin li sut) nhm thanh ton.

1. Cc ngn hng

Nhanh chn nht phi k n Ngn hng Chu (ACB). Nm 2003, ACB
trin khai dch v mobile banking cho php khch hng c th truy vn s d,
chuyn tin, thanh ton in nc, truyn hnh cp, internet...qua in thoi di ng.

Sau ACB l hng lot ngn hng khc cng vo cuc nh:

Ngn hng Vietcombank
Ngn hng Techcombank
Ngn hng Qun i (MB)
Ngn hng VietinBank
Ngn hng u t v Pht trin
Ngn hng ng
Ngn hng Ocean Bank
Ngn hng HSBC
Ngn hng VID Public Bank
Ngn hng Eximbank
Ngn hng Sacombank
Ngn hng Lin Vit ,
E-mobile Nhm: Bc Trung - Nam
14/36
Ngn hng Thng mi c phn Hng hi Vit Nam (Maritime bank)
Ngn hng Nng nghip v Pht trin Nng thn Vit Nam (Agribank)
Ngn hng Ngoi thng Vit Nam (VCB)

Cc ngn hng ang cnh tranh nhau gay gt thng qua vic khng ngng
ci tin v a ra nhng sn phm dch v mi, trong c cc sn phm Mobile
banking (m hnh Bank-led). Tuy nhin cc sn phm ngn hng cung cp mi ch
dng li mt s chc nng nht nh v cha p ng ht nhu cu thanh ton ca
khch hng.

2. Cc mng vin thng

Khng chu ng ngoi cuc, cc mng vin thng cng nhanh chng bt
tay vi ngn hng trin khai v ng dng mobile banking vo hot ng ca
mnh nh:
Cc n v trin khai e-mobile Nhm: Bc Trung - Nam
15/36

E-load ca VinaPhone
AnyPay ca Viettel
Mobiez ca MobiFone cho php thu bao di ng tr trc ca cc mng ny
np tin vi loi mnh gi m khng cn s dng th co.
Sfone
EVN Telecom
HT Mobile
VTC Intecom,

V d: Bng gi cc dch v E-Mobile tr trc ca EVNTelecom (cha
bao gm thu GTGT)

Bng gi cc dch v E-mobile tr trc Daily.

Tn dch v Mc cc Ghi ch
1. Cc thu ngy 1.600 ng/ngy
2. Cc thng tin di ng:
2.1 i vi cuc gi trong nc
- Ni mng EVNTel:
90,9 /block 06 giy u + 15,15 /1giy
tip theo
- Ngoi mng
107,27 /block 06 giy + 17,88 /1giy
tip theo
T 1h sng- 6h sng tt c cc ngy
trong tun (k c ngy ngh l v ch
nht)
gim 30% cc
- Ni mng EVNTel:
45,45 /6 giy u + 7,58 /1 giy tip
theo
- Ngoi mng 53,64 /6 giy + 8,94 /1 giy tip theo
2.2 i vi cuc gi i quc t :
- S dng dch v gi i quc t ca
EVNTelecom
318 ng/6 giy u + 53 ng/1 giy
tip theo
T 23h - 7h t th hai n th
by,24/24 gi ngy l v Ch nht
Gim cc 30%
3. Cc nhn tin:
3.1 Nhn tin trong nc:
- Ni mng 273 /bn tin
- Ngoi mng 320 /bn tin
3.2 Cc nhn tin quc t: 0,165 USD/bn tin
E-mobile Nhm: Bc Trung - Nam
16/36
4. Cc gi vo VSAT 4.000/ pht
T 23h - 7h t th hai n th
by,24/24 gi ngy l v Ch nht
Gim cc 30%
Cc lin lc vo mng 080 v 069
107,27 ng /6 giy u + 18,18 ng/1
giy tip theo
Cc nh khai thc di ng ang thng lnh th trng thanh ton t xa vi
nhng khon thanh ton rt nh tnh trc tip vo ha n cc ph ca nh khai
thc. Vi u th s hu c thit b v h thng ngi tiu dng truy cp d liu,
mt s nh khai thc di ng hng li nhun bin ln ti 50% cho cc dch v s
nh nhc chung v game. Vi khon sinh li cao nh vy, ng nhin nh khai
thc s ra sc bo v ming bnh ca mnh. Ngay lp tc, h hiu rng cc m
hnh chia s li nhun mi vi cc i tc mi s buc phi m rng phm vi kinh
doanh, khng ch dng nhng dch v s ha v hng ti phi tr thnh vai tr
ch o trong chui gi tr thanh ton. Ti nay, cc nh khai thc di ng tn
dng thnh cng gii php mi trng ng kim sot truy cp ti cc i l
thanh ton v khon thanh ton; tuy nhin, vic ra mt thnh cng iPhone cho
php truy cp m (v s ra i ca Google phone) nh mt tin liu v gii php
thay th.
3. Cc thng hiu thanh ton v cc cng ty cung
cp cc dch v thanh ton phi ngn hng

Cc thng hiu thanh ton tn tui c quan h vng chc vi cc
t chc ti chnh v gii kinh doanh-bun bn. Hu ht h ang tch cc theo ui
cc xut dch v ti chnh di ng. Tuy nhin, nhng thng hiu ny gn nh
cha thit lp quan h vi cc nh khai thc mng di ng. Mng li thanh ton
ca h tng i trung lp vi giao dch n qua cc ng dng khng dy hoc tin
nhn SMS. Mc tiu chnh m h quan tm l trong th gii di ng, cc nh gi
ca t chc ti chnh vn c m bo v cc yu cu bo mt lin quan n th
thanh ton phi c tun th y . Lc lng hng hu l cc cng ty thanh
ton trc tuyn nh VinaPay, VnPay, PayNet cho ra mt rt nhiu dch v
thanh ton qua Mobile, to iu kin ngi dng d dng mua m th in
thoi, game, hc trc tuyn,
Cc cng ty cung cp dch v thanh ton phi ngn hng chim th
phn ln nht trong th trng ngch (c bit l phng tin chuyn tin t c nhn
ti c nhn). H l in hnh ca vic khng ngng ci tin sn phm, kh nng nh
gi cho cc dch v v li th vng chc ca ngi i u, khai ph th trng. Cc
cng ty ny thng bt tay vi cc ngn hng (hoc t chuyn thnh ngn hng)
truy cp vo h thng thanh ton.
Cc dch v e-mobile Nhm: Bc Trung - Nam
17/36
III. CC DCH V CHO PHP THANH TON
BNG IN THOI DI NG E-MOBILE

Cc ngn hng v cc nh mng ang phi hp vi nhau nhm pht trin
th trng ny. E-mobile cung cp rt nhiu dch v tin ch cho ngi s dng
thng qua vt bt ly thn ca mi ngi, l chic in thoi di ng.

1. Dch v mobile banking

Mobile banking l vic khai thc cc dch v ngn hng trn in thoi di
ng, thng qua mt phn mm ng dng s dng trn di ng nh SMS, GPRS,
WIFI hay 3G, thng c cung cp ti khch hng thng qua cc ng dng c
ci t trn thit b di ng ca khch hng.

Cng ty Vinaphone phi hp vi Ngn hng Chu (ACB) c dch v
thanh ton qua in thoi di ng mobile ATM (mATM). Hin nay hu ht cc ngn
hng Vit Nam p dng hnh thc dch v ny.

Dch v mobile banking ti ngn hng Ocean Bank gip khch hng d
dng kim sot ti khon ca mnh, mi lc, mi ni thng qua in thoi di ng
(p dng cho tt c mng di ng).

Tin ch:
Truy vn s d ti khon
Sao k 05 giao dch gn nht.
Chuyn khon gia ti khon trong h thng Ocean Bank.
Vn tin thng tin tr gip.
Thng bo ti khon khi c bin ng.
Np tin in thoi tr trc (VN Topup).
Np tin th thanh ton tr trc OP Plus
Thanh ton ha n cho thu bao tr sau mng Viettel, Mobilefone, Sfone
Thanh ton ha n cc dch v ADSL, Homephone, PSTN ca Viettel
Cc tin ch khc cung cp theo tng thi k

c im:
i tng khch hng: Khch hng l t chc, c nhn c ti khon tin gi,
thanh ton ti OceanBank.
Ni dung dch v cung cp: Vn tin s d ti khon tin gi thanh ton; vn
tin 05 giao dch gn nht; cung cp thng tin ti khon tin gi ngay sau khi
c ghi C; cung cp thng tin ti khon tin gi ngay sau khi c ghi N;
cung cp cc thng tin t ng khc (gii thiu sn phm mi, dch v mi,
chng trnh khuyn mi, ).
E-mobile Nhm: Bc Trung - Nam
18/36
Mobile 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.
SHB Mobile banking c giao din hnh nh trc quan, d s dng, c th
kt ni qua GPRS, Wifi, 3G v c th d dng ci t trn hu ht cc dng in
thoi ph bin hin nay. Ngoi ra, do mobile banking c khai thc thng qua ng
dng ci t trn in thoi di ng ca khch hng nn khi dng dch v ny ngi
dng khng cn nh c php dch v.Cc dch v c SHB cung cp trn mobile
banking bao gm: tra cu thng tin ti khon, thng tin th ATM, tra cu lch s
giao dch, tra cu a ch cc chi nhnh, phng giao dch, tra cu im t my
ATM, tra cu t gi; chuyn khon c nhn, chuyn khon trong h thng SHB,
thanh ton tr sau
Vi dch v mobile banking ca TinPhongBank, qu khch c th truy
vn thng tin ti khon, thanh ton ha n, chuyn khon, m tit kim in t v
rt nhiu dch v gi tr gia tng khc 24/7 trn chic in thoi di ng ca mnh.
Giao dch an ton vi c ch bo mt cao.
Thng 6/2007, VinaPhone phi hp vi Sacombank gii thiu dch v
EasyTopUp cho php thu bao Vinaphone c ti khon th tn dng ti Sacombank
c th np tin trc tip vo ti khon in thoi di ng thng qua tin nhn SMS;
Tip , Techcombank cng cho php thanh ton cc ph ADLS ca FPT qua tin
nhn. Ngoi ra, Techcombank cn gip khch hng c th nhn tin mua ph bo
him xe c gii ca Bo Minh v mua hng trn website www.chodientu.vn
Cc dch v e-mobile Nhm: Bc Trung - Nam
19/36

Vi mobile banking vn bo mt nh cc tin nhn c m ha v vic
s dng cc bin pho bo mt khc nh nhp thm nh danh PIN (Personal
Identification Number) hay m xc nhn dng mt ln OTP (One Time P assword)
E-mobile Nhm: Bc Trung - Nam
20/36

2. Dch v SMS banking

SMS banking l dch v truy vn thng tin v ngn hng nh s d ti
khon, 3 giao dch gn nht , li sut tit kim, t gi bng cch khch hng dng
in thoi di ng nhn tin theo c php quy nh ca ngn hng.

Dch v SMS Banking ca MB s tit kim rt nhiu thi gian cho khch
hng bi khch hng khng cn phi gi in hay n ngn hng vn c th bit
c thng tin v ti khon cng nh thng tin v ngn hng mi lc mi ni.
Khch hng s thc s hi lng bi tnh an ton, thun tin, nhanh chng, chnh xc
v d s dng ca dch v.
S dng dch v SMS Banking, khch hng c th:
Nhn thng bo s d t ng ngay sau khi pht sinh cc giao dch trn
ti khon thanh ton;
Xem thng tin t gi;
Xem li sut tin gi thanh ton;
Xem li sut tin gi tit kim;
Truy vn s d ti khon tin gi thanh ton;
Lit k 5 giao dch ti khon gn nht;
Truy vn cc a im t my ATM c th s dng th Active Plus;
Truy vn a im cc chi nhnh giao dch ca MB trn c nc.

Vi dch v SMS Banking ca MB, khch hng s thc s hi lng bi
tnh an ton, thun tin, nhanh chng, chnh xc v d s dng.

SMS banking tin nhn ln n nh mng v v ti ngn hng l Plain
Text. Tt nhin giao dch ny vn c th km theo cc bin php bo mt khc nh
ma trn (Matrix Password), OTP, PIN nhng d sao nhng thng tin nhy cm nh
s tin giao dch, m khch hng hay c th l s ti khon vn c th b r r.
3. Dch v chuyn tin

Cc nh cung cp dch v chuyn tin, nh Western Union, cho php
thanh ton t xa t ngi tiu dng n ngi tiu dng bng cch nhn tin mt ti
mt v tr xc nh v nhn cc khon chuyn tin in t ti v tr ngi nhn
(thng l i l lin kt) v thu ph.
T ngy 1-8-2006, hn 800.000 ch th a nng
ca Ngn hng TMCP ng (EAB) u c th chuyn
tin qua in thoi di ng. EAB l ngn hng u tin ti
Vit Nam trin khai dch v tin ch ny. Ch th a nng
ng c th chuyn tin qua in thoi di ng.
Cc dch v e-mobile Nhm: Bc Trung - Nam
21/36
T 1/10/2011 n 31/10/2011, MB phi hp vi Cng ty Vin thng
Viettel trin khai chng trnh Nim vui lan ta dnh cho khch hng ang s
dng v ng k mi dch v BankPlus. Theo , sau khi kch hot dch v, ch
thu bao BankPlus c th gii thiu bn b v ngi thn cng ng k dch v
hng nhng u i kp t cc chng trnh khuyn mi

BankPlus l dch v thanh ton in t ca MB v Viettel nhm gip
khch hng c th kt ni ti khon ngn hng ca mnh n thu bao di ng
thanh ton v chuyn tin ngay trn in thoi nh: thanh ton cc tr sau, np tin
cho thu bao tr trc, thanh ton ph dch v, chuyn tin trong v ngoi ngn hng
theo s in thoi hoc s ti khon ca ngi nhn
4. Dch v thanh ton tin in, tin nc, tin in
thoi, in hoa
Tnh n hin ti, Bu in vn l n v c nhiu u th nht trong vic
thu gom cc loi hnh thanh ton h vo mt mi bi ngnh ny c sn cc dch
v in thoi, internet. Thm na, Bu in cng c h thng mng li chi nhnh
rng hn mi ngn hng, vn n tt c nhng vng su vng xa vi hn 13.000
im phc v cc dch v bu chnh - vin thng. 93% trong tng s 8.826 x trong
c nc, trong 100% s x vng ng bng v trung du, 78,8% s x vng
ni cao, bin gii c my in thoi. Tng s in thoi hin t 8 triu my
trong c nc (9,94 my/100 dn).
Nhn thy th trng thanh ton h ang trng tri, nhu cu ca ngi dn
cn rt ln, cc ngn hng trong nhng nm gn y ro rit khai ph th trng
ny.
Ngn hng TMCP Chu (ACB) cng va trin khai dch v Tng i
247 nhm cung cp cc dch v t vn v thanh ton qua in thoi cho khch hng.
Khch hng c th thanh ton, chuyn khon qua tng i cc dch v nh tin in,
tin nc, in thoi, cc internet, ph bo him, ng k lm th ACB Visa
Electron, ACB Master Card Electron qua in thoi.
Ngn hng Ngoi thng Vit Nam (VCB) v Bu in TP.HCM u
nm qung co rm r dch v thanh ton cc in thoi qua h thng ATM bi
h khng mun mt i li th hn 120.000 ti khon c nhn c m ti ngn
hng ny. Tuy nhin, hin cc khch hng ca VCB cng ch thanh ton qua ATM
c cc ph in thoi, ph bo him Prudential v AIA . S lng my ATM ca
VCB ti TP.HCM li khng nhiu m dch v thu ph cng ""ch p dng ti mt s
a bn"".
Ngy 29/12/2010 Viettel, Vietcombank v Cng ty c phn Dch v Th
Smartlink chnh thc ra mt dch v Pay-plus cho php thu bao Viettel thanh ton
tin in, nc qua di ng.
E-mobile Nhm: Bc Trung - Nam
22/36
Pay-plus c kt ni bng mt sim in thoi ca Viettel ti bt k mt
dng my in thoi no thc hin cc giao dch nh: thanh ton ha n in,
nc, cc di ng, cc dch v Internet ADSL, tr tin hng ha, dch v, ti h
thng ca hng ca Viettel v cc im bn l chp nhn thanh ton trn in thoi
di ng. Bn cnh khch hng vn c mt th thanh ton na giao dch ti cc
ngn hng trn cc knh giao dch in t truyn thng nh ATM, POS v Internet
ca Vietcombank v cc ngn hng khc.
Pay-plus l sn phm kt hp gia ti khon in thoi di ng vi vi th
ngn hng to ra cng c thanh ton in t linh hot trn in thoi di ng. Khch
hng mun s dng dch v ch cn mang chng minh th v th Sim ca Viettel
(tr trc, tr sau) ti cc im giao dch ca Viettel ng k.
5. Dch v ti game, ti hnh nn, ti nhc chung,
nhc ch,.

Mng thanh ton PayNet cho ra mt gii php
thanh ton qua in thoi di ng mPAY. mPAY l gii
php thanh ton qua in thoi di ng h tr GPRS c
chnh Mng Thanh ton PayNet nghin cu v pht trin
da trn cng ngh Java. GPRS (General Packet Radio
Services - dch v v tuyn gi
chung) c xem nh l mt
dch v mi ca mng thng tin di ng GSM, n dng
cng ngh chuyn mch gi truy cp n cc mng s
liu bn ngoi (nh mng LAN, mng Internet, ...) bng
giao thc IP (Internet Protocol) vi tc cao. Di ng
c ci t GPRS, c th ti game, hnh nn, nhc chung,
nhc ch, xem video, xem tin tc trc tuyn,min ph.

Cng ngh 3G cho php mi giao dch v tin ch c thc hin trn
in thoi di ng, thay th c thit b iu khin cc gia dng trong nh, bn
s, phng chiu phim, nh ht di ng hay n gin l phng tin truyn ti thng
tin, chia s cm xc... VNPT s cung cp nhng dch v 3G quan
trng nh in thoi truyn hnh, truyn ti ng thi m thanh, d
liu vi cc file m thanh dung lng ln, ti phim, xem phim trc
tuyn, nhn tin a phng tin, ti nhc full track, thanh ton in t
(cho php thanh ton ha n hay giao dch chuyn tin qua tin
nhn in thoi di ng nu khch hng c ti khon m ti ngn hng v c lin kt
vi nh cung cp dch v di ng), truy cp Internet, qung co di ng, sao lu d
phng d liu, kt ni t xa ti mng Internet

Cc dch v e-mobile Nhm: Bc Trung - Nam
23/36
6. Dch v mua th game

y l dch v Agribank gip qu khch hng c nhn mua th Game
Online (cho chnh mnh hoc mua cho ngi khc) bng cch gi tin nhn t in
thoi di ng. Qu khch hng s nhn c tin nhn cha m th gi v in thoi,
sau i s dng m th np tin vo ti khon game nh th co thng thng).

Khch hng c th thc hin mua th Game Online mi lc, mi ni (c
ph sng vin thng di ng) bng cch nhn tin t in thoi di ng. Khch hng
c th s dng phn mm SMS Banking thay th cho thao tc son tin nhn, tit
kim thi gian, tit kim chi ph.

u s s dng dch v : 8049
Loi tin t s dng: VN (Vit Nam ng)
Hn mc p dng: Ti a 2 triu ng/ ngy
Cc loi th: Vcoin, Zing Card, Gate Card, E-card, On-card, @-cash, m-card,
VGold, DEC. (Ring i vi th Vcoin ca VTC: c th np trc tip vo ti
khon Game)

Dch v Momo
V MoMo gip khch hng c th thanh ton cc ha n tin in thoi
c nh, cc Internet, thu bao tr sau...
Cc di ng tr sau VinaPhone, MobiFone, Viettel
Cc in thoi c nh VNPT
Cc Internet ca VNPT, FPT, Viettel
V xe lin tnh Mailinh Express
Mua sch trc tuyn Alphabook
Mua sch trc tuyn nh sch Minh Khai
Mua hng trn Megabuy
MoMo (Mobile Money) l mt v tin trn in thoi di ng gip khch
hng thc hin cc giao dch chuyn tin, np tin in thoi di ng, game, thanh
ton cc loi ha n mt cch n gin, nhanh chng, mi lc, mi ni vi chi
ph thp.
Dch v c cung cp thng qua s phi hp gia Vinaphone v cng ty
M_Service JSC.

E-mobile Nhm: Bc Trung - Nam
24/36

Yu cu v iu kin Nhm: Bc Trung - Nam
25/36
IV. CC MNG IN THOI CHO PHP
THANH TON, CC YU CU V IU KIN
THAM GIA DCH V
1. Cc mng in thoi cho php thanh ton
Thanh ton ha n cc dch v ADSL, Homephone, PSTN ca Viettel
Mobile Banking p dng cho tt c cc mng in thoi di ng ti Vit
nam: VinaPhone, Viettel( Thanh ton ha n cc dch v ADSL, Homephone,
PSTN ca Viettel) , E-Mobile (EVN Telecom), Sfone, Mobiphone,

E-load ca VinaPhone
AnyPay ca Viettel
Mobiez ca MobiFone cho php thu bao di ng tr trc ca cc mng ny
np tin vi loi mnh gi m khng cn s dng th co.
Sfone
EVN Telecom
HT Mobile
VTC Intecom,















2. Cc yu cu v iu kin tham gia dch v

i vi dch v mobile banking, khch hng phi c ti khon ti ngn
hng ( phi c s d ti khon ), phi ng k dch v ti ngn hng v s dng
mng in thoi

iu kin s dng dch v mobile banking ti ngn hng Ocean bank
E-mobile Nhm: Bc Trung - Nam
26/36
Khch hng c ti khon tin gi, thanh ton ti OceanBank.
Tt c thu bao di ng ca cc mng vin thng hin c ti Vit Nam.
H s, th tc: Vi khch hng c ti khon ti OceanBank ng k theo
mu ca OceanBank. Cc khch hng m ti khon ln u ti OceanBank c
nhu cu s dng Mobile Banking in vo mu ng k m ti khon ca
OceanBank, km theo bn Quy nh v vic s dng dch v Mobile Banking
cng vi h s cn thit m ti khon.

iu kin s dng dch v mua th game qua in thoi di ng t ngn
hng Agribank:

+ Pha Cng ty vin thng thu ca khch hng: Ty thuc tng mng vin
thn. Mng VinaPhone v SFone min phMng Viettel, MobilePhone,
EVN thu 500 VND/1 tin nhn
+ Pha ngn hng: Min ph ton b cc giao dch ca khch hng.
+ ng k s dng dch v ln u l bt buc. Qu khch hng ng k
ln u th khng phi thc hin bc ny)Sau khi ng k, qu khch
hng thc hin kch hot dch v bng tin nhn SMS.
+ Dch v VnTopUp np tin cho thu bao di ng tr trc, i l bn th
tr trc, np tin vo V in t VnMart s dng chung mt mt khu v
khng bt buc.
+ Phm vi s dng: Trong nc
s dng dch v ny mATM ca ngn hng ACB kt hp mng
Vinaphone thu bao VinaPhone s phi chuyn i sang loi simcard c bit thay
v simcard thng hin nay v ng k mt ti khon vi Ngn hng ACB.
iu kin s dng Momo:

+ L ch thu bao di ng mng Vinaphone ang s dng SIMCard c gn
kt ng dng v in t MoMo (gi l maxSIM) hoc l ch thu bao di ng
mng Vinaphone v ti ng dng V Momo v in thoi.
+ ng k kt ni v in t Momo vi ti khon th E-Partner v/hoc ti
khon tin gi thanh ton ti VietinBank.

i vi dch v ti game, nhc, hnh nn,ch cn khch hng s dng
mng in thoi v in thoi c kt ni cng ngh GPRS hay cng ngh 3G.
i vi dch v thanh ton tin in, nc, in thoi, Internet v cc thanh
ton khc:
Dch v Payplus ca mng Viettel c iu kin s dng nh sau:

E Khch hng ch cn mang chng minh th v sim th ca Viettel (tr trc,
tr sau) ti cc im giao dch ca Viettel ng k.
E C ti khon ti ngn hng Vietcombank thng qua cc knh in t do
Vietcombank cung cp nh: ATM, SMS v Internet Banking.

iu kin s dng dch v Bankplus ca mng Viettel:

Yu cu v iu kin Nhm: Bc Trung - Nam
27/36
* Khch hng s dng thu bao di ng Viettel phi c y nng lc hnh
vi v nng lc dn s
* Khch hng mang giy t ty thn hp l ( chng minh th, chng minh s
quan, h chiu,) n ca hng Viettel hoc n quy giao dch ngn
hng MB gn nht v lm y cc th tc ng k theo hng dn ca
nhn vin giao dch.






















E-mobile Nhm: Bc Trung - Nam
28/36


V.






Mobile banking




















Quy trnh thc hin thanh ton Nhm: Bc Trung - Nam
29/36
VI. QUY TRNH THC HIN THANH TON

Mt s quy trnh thanh ton bng in thoi di ng:
1. Dch v mobile banking

Quy trnh thc hin giao dch ca Ngn hng ng :

* Bc 1: in thoi di ng qu khch c ci t ng dng DongA
Mobile Banking)
* Bc 2: Chn dch v Thanh ton trc tuyn ti Menu ca ng dng
DongA Mobile Banking,
* Bc 3: Sau chn nh cung cp dch v l Ch in T
* Bc 4:Nhp M n hng. DAB s gi thng tin phn hi khch hng
xc nhn giao dch.

Hng dn s dng dch v ca ngn hng Ocean Bank
E-mobile Nhm: Bc Trung - Nam
30/36


Hng dn s dng dch v MobileBanking ca OceanBank gi ti s 8149
(1.000 ng/SMS)
(Dnh cho tt c khch hng OceanBank ng k dch v Mobile Banking)
NI DUNG NG K MU TIN NHN
I. Tra cu s d ti khon
1. Truy vn s d TK mc nh Ojb [du cch] sd
2. Truy vn s d TK ty chn Ojb [du cch] sd [du cch] S TK
II. Tra cu lch s GD
1. In sao k 5 GD gn nht TK mc
nh
Ojb [du cch] gd
2. In sao k 5 GD gn nht TK ty
chon
Ojb [du cch] gd [du cch] S TK
III. Chuyn khon (ti a 10.000.000/ ln; 100.000.000/ ngy)
1. t mt khu cho DV chuyn
khon
Ojb [du cch] mk [du cch] nop [du cch
(mt khu bn t chn)
2. Thc hin chuyn khon
Ojb [du cch] CK [du cch] (s tin) [du
cch] TK ngun [du cch] TK ch
IV. Tra cu thng tin tr gip ( bit cc c php nhn tin cc dch v
khc)
1. Tr gip tra cu s d. Ojb [du cch] help [du cch] sd
2. Tr gip thng tin in 5 GD gn
nht.
Ojb [du cch] help [du cch] gd
3. Xem cc dch v m mnh
ng k.
Ojb [du cch] xdk
V. Np tin in thoi tr trc (VN Topup) Gi ti s 8049 (500
ng/SMS v min ph tin nhn mng Vinaphone v Sfone)
1 Np cho thu bao ca mnh Nap [du cch] VN100
2. Np cho thu bao khc
Nap [du cch] VN100 [du cch] s in
thoi ngi nhn
VI. Thanh ton ha n tr sau mng di ng (Viettel, Mobilefone,
Sfone) Gi ti s 8149
1. Thanh ton cho thu bao ca
mnh
hoc ngi khc
Ojb [du cch] TT [du cch] VT [du
cch] S in thoi cn thanh ton
VII. Thanh ton ha n dch v ADSL ca Viettel Gi ti s 8149
1. Thanh ton cho thu bao ca
mnh
hoc ngi khc
Ojb [du cch] TT [du cch] VT02 [du
cch] M khch hng cn thanh ton
Quy trnh thc hin thanh ton Nhm: Bc Trung - Nam
31/36


Hng dn ca ngn hng Nam Vit

[ Bc 1: Khch hng n a im giao dch ca Ngn hng Nam Vit
(Navibank) gn nht ng k s dng Dch v ngn hng qua in thoi
di ng v c cp mt khu s dng dch v.
[ Bc 2: Nhn tin t ng t Navibank: Thng tin ti khon tin gi
ngay sau khi c ghi C, thng tin ti khon tin gi ngay sau khi
c ghi N.
[ Bc 3: Truy vn thng tin qua Mobile Banking
- Vn tin s d ti khon:

NVB SD <Mt khu> [Ti khon] hoc NVB SODU <Mt khu> [Ti khon]
V d:
Khch hng : NVB SD A 010001738
SMB : NVB SO DU: 7,325,210.00VND

- Vn tin t gi:

NVB TG [Ngy] [M ngoi t] [M ngoi t] hoc NVB TIGIA [Ngy] [M
ngoi t] [M ngoi t]
V d:
Khch hng : NVB TG 15-10-04 USD
SMB : NVB TI GIA NGAY 20-09-2004 USD- MUA TM:15308 MUA
CK:15308 BAN:15308

2. Mua th game bng in thoi di ng

Ngn hng Agribank trin khai dch v mua th game thng qua in
thoi di ng:

+ Bc 1: Khch hng n chi nhnh/phng giao dch Agribank thc hin
ng k s dng dch v MobileBanking.
+ Bc 2: Kch hot dch v bng tin nhn SMS vi ni dung VBA DK 3
+ Bc 3: t mt khu: MK NOP [Mt khu] hoc OK gi 8049
+ Bc 4: C php np tin:
+ Gi th Game v cho chnh thu bao: NAP <daucach> [M
sn phm] <daucach> [Mt Khu] gi 8049
(Ring i vi th Vcoin ca VTC: np trc tip vo ti khon Game bng
c php NAP <daucach> [M sn phm] <daucach> [Nickname]
<daucach> [Mt Khu] gi 8049)
+ Gi th Game v cho thu bao khc: NAP <daucach> [M
sn phm] <daucach> [Sinthoi] <daucach> [Mt Khu]
gi 8049
E-mobile Nhm: Bc Trung - Nam
32/36
(Ring i vi th Vcoin ca VTC: np trc tip vo ti khon Game
bng c php NAP <daucach> [M sn phm] <daucach> [Nickname]
<daucach> [Sinthoi] <daucach> [Mt Khu] gi 8049)
3. Ti game, ti hnh nh v nhc chung, nhc ch

Qa trnh ti nhc, hnh nh v game qua mng Vinaphone

Bc 1: ng k s dng dch v s dng GPRS cho sim thu bao, son
tin nhn vi ni dung: DK GPRS gi n 994
Bc 2: Cu hnh GPRS cho my, son tin nhn vi ni dung: GPRS
TnHngLoiMy gi n 994. (V d: Tn hng vit tt: Nokia:N,
Samsung:SA, Sony Ericsson:E, Motorola:M, LG:L, Siemens:S Samsung
E100: GPRS SAE100 > 994 MMS SAE100 > 994 Nokia 7210: GPRS
N7210 > 994 MMS N7210 > 994)
Bc 3: Trong giy lt bn s nhn c tin nhn tr li. Bn phi ghi li
cu hnh vo my s dng.
Bc 4: Mun ti hnh nn cho in thoi di ng son: HN gi 094
Mun ti nhc chung, nhc ch son : NC tenbaihat gi 094
( Cc ph ngy l 300ng/1 bi ht, cc ph thng l 9000/1bi ht, cc ph
i bi ht l 2000/1bi ht)
Mun ti game Java son: GA5 tengame gi 094

Ty theo dung lng ca file ti v bn s b tr i (tn) mt khon ph. V d:
Cch tnh ph ca Vinaphone, Mobifone l 50K/byte . Do tng chi ph cho ln ti
l: Ph dch v + Ph GPRS.
4. Chuyn tin

Chuyn tin qua mng Viettel

Theo s thu bao:

Bc 1: Vo Chuyn tin Trong ngn hng Theo thu bao, bm OK
Quy trnh thc hin thanh ton Nhm: Bc Trung - Nam
33/36
Bc 2: Nhp s thu bao ngi nhn, bm OK
Bc 3: Nhp s tin cn chuyn, bm OK
Bc 4: Nhp ni dung chuyn tin, bm OK
Bc 5: Nhp m PIN, bm OK
Bc 6: Mn hnh yu cu xc nhn Xc nhn chuyn cho Nguyn
Vn A, s thu bao 0972xxxx, s tin .VND. Nhn OK ly m xc
thc
Bc 7: Nhp m xc thc, bm OK
Bc 8: Thng bo kt qu giao dch trong hp tin Inbox
Ngi gi: Qy khch chuyn thnh cng VND cho thu bao
0972xxxx , ph giao dch .VND. S d hin tiVND, ngy
dd/mm/yyyy gi
Ngi nhn: Qy khch nhn c VND t thu bao s 0972xxxx,
ngy dd/mm/yyyy gi

Theo s ti khon:

Bc 1: Vo Chuyn tin Trong ngn hng Theo s ti khon, bm
OK
Bc 2: Nhp s ti khon ngi nhn, bm OK
Bc 3: Nhp s tin cn chuyn, bm OK
Bc 4: Nhp ni dung chuyn tin, bm OK
Bc 5: Nhp m PIN, bm OK
Bc 6: Mn hnh yu cu xc nhn Xc nhn chuyn cho Nguyn
Vn A, s ti khon ****5456, s tin .VND. Nhn OK ly m
xc thc
Bc 7: Nhp m xc thc, bm OK
Bc 8: Thng bo kt qu giao dch trong hp tin Inbox
Ngi gi: Qy khch chuyn thnh cng VND cho ti khon
****5456 , ph giao dch .VND. S d hin tiVND, ngy
dd/mm/yyyy gi
Ngi nhn: Qy khch nhn c VND t thu bao s 0972xxxx,
ngy dd/mm/yyyy gi ( ng k dch v Bank plus ca ngn hng
Qun i)

Chuyn tin ngoi ngn hng

Bc 1: Vo Chuyn tin Ngoi ngn hng, bm OK
Bc 2: Nhp h tn ngi nhn, bm OK
Bc 3: Nhp s ti khon ngi nhn, bm OK
Bc 4: Nhp m ngn hng nhn, bm OK
Bc 5: Nhp tn chi nhnh ngn hng nhn (nu c), bm OK
Bc 6: Nhp s tin cn chuyn, bm OK
Bc 7: Nhp ni dung chuyn tin, bm OK
E-mobile Nhm: Bc Trung - Nam
34/36
Bc 8: Nhp m PIN, bm OK
Bc 9: Mn hnh yu cu xc nhn Xc nhn chuyn cho Nguyn
Vn A, s ti khon ****5456, ti ngn hng ABC, s tin .VND.
Nhn OK ly m xc thc
Bc 10: Nhp m xc thc, bm OK
Bc 11: Thng bo kt qu giao dch trong hp tin Inbox
Ngi gi: Qy khch chuyn thnh cng VND cho khch hng
Nguyn Vn A. s ti khon ****5456 , ngn hng ABC, ph giao dch
.VND. S d hin tiVND, ngy dd/mm/yyyy gi

5. Thanh ton ha n ( tin nc, tin in, in
thoi,) v dch v

g Bc 1: Vo Thanh ton Dch v, bm OK
g Bc 2: Nhp m dch v, bm OK
g Bc 3: Nhp m thanh ton (m ha n), bm OK
g Bc 4: Nhp s tin, bm OK
g Bc 5: Nhp m PIN, bm OK
g Bc 6: Mn hnh yu cu xc nhn Xc nhn thanh ton dch v
m thanh ton., s tin .VND. Nhn OK ly m xc thc
g Bc 7: Nhp m xc thc, bm OK
g Bc 8: Thng bo kt qu giao dch trong hp tin Inbox Qy khch
thanh ton thnh cng VND cho dch v , m thanh ton.,s
d hin tiVND, ngy dd/mm/yyyy gi



















Hn ch, ri ro v bin php Nhm: Bc Trung - Nam
35/36
VII. CC HN CH, RI RO V CC BIN
PHP PHNG NGA
1. Hn ch

Mc d, e-mobile c rt nhiu u im nh: nhanh chng, tin li, tit
kim, thch hp vi nhng ngi bn rn, a dng v dch v cng vi kho gii tr
khng l, bo mt do c m PIN nu mt in thoi th k gian cng khng th m
ti khon do khng bit m PIN,.. nhng bn cnh cn rt nhiu hn ch v ri ro
cao:

Ngi Vit Nam quen s dng tin mt trong thanh ton v giao dch nn
dch v ny cn cha ph bin.
Cht lng mng vin thng cn km
Ri ro thng tin khch hng b r r hoc mt thng tin, thng tin khng
c m ha nn an ton khng cao.
Qu trnh bo mt cn lng lo v bt cp.
Ch ph hp vi cc loi i thoi h tr Java.
Kh khng trong ci t cng ngh GPRS do cu hnh my khng tng
thch, va mt tin v mt thi gian.
Hiu qu khng cao do kh s dng, phi nh c php nhn tin theo quy
nh, nu sai mt chi tit th qu trnh khng c thc hin.
S lng k t trong mt tin nhn b gii hn.
Ti phm, hacker v cc phn mm gin ip ngy cng nhiu, e da s
an ton ti khon ca khch hng.

2. Cc bin php phng nga

Mt s bin php hn ch nhng ri ro:

Gio dc, ph cp thi quen s dng thng mi in t ni chung v
dch v thanh ton bng in thoi e-mobile ni ring cho ngi dn
Hon chnh h thng h tng mng vin thng, pht trin ngnh bu chnh
vin thng ti Vit Nam.
Ch trng qua trnh bo mt tin nhn
Hon chnh v thi hnh b luy v thng mi in t
a dng ha cc dch v thanh ton bng in thoi di ng
C h thng phn mm ngn hng ct li ( Core banking)
Lp danh sch cc dch v cn trin khai trong tng lai v c b phn
chuyn trch v dch v ny.
Sn sng kt ni vi cc nh cung cp dch v ( ngn hng, mng vin
thng, in, nc, truyn hnh,) s kt hp ny cn cht ch v phi hp nhp
nhng hn.
E-mobile Nhm: Bc Trung - Nam
36/36
y mnh Marketing, qung b rng r hn na, c cc chng trnh
khuyn mi, hu mi,
Cung cp ti liu hng dn s dng r rng v ngn gn
Ngn hng lun b sung cc dch v ngn hng, cung cp nhiu phin bn
mobile banking cho nhiu chng loi in thoi.
Ngi mua cn c k hng dn trc khi s dng khi mt thi gian
v cng sc v mng in thoi Vit Nam rt a dng.
Chun b in thoi ph hp vi dch v v chon la s dng mng vin
thng thch hp cng cc phn mm h tr nh GPRS, cng ngh 3G,


KT LUN
Tng t nh s bng n ca Internet, TD ni ln nh mt phng tin
thanh ton ca tng lai s l bc pht trin k tip trong lnh vc thanh ton min
l thit lp c m hnh vn hnh kinh doanh, hp tc lm n lnh mnh gia cc
bn v nh gi thuyt phc. Tim nng s dng in thoi di ng thc hin
thanh ton c th lm thay i vnh vin cch thc ngi tiu dng tip cn thng
mi, c bit l ti cc nc km pht trin ni ng dng ca TD em li tin ch
ng k so vi cc la chn thanh ton hin thi.