{"id":4017,"date":"2024-02-03T09:18:47","date_gmt":"2024-02-03T09:18:47","guid":{"rendered":"https:\/\/chuyendoiso.haiphong.gov.vn\/?p=4017"},"modified":"2025-04-17T09:19:39","modified_gmt":"2025-04-17T09:19:39","slug":"mobile-banking-va-bai-toan-xac-thuc-nguoi-dung","status":"publish","type":"post","link":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/2024\/02\/03\/mobile-banking-va-bai-toan-xac-thuc-nguoi-dung\/","title":{"rendered":"Mobile Banking v\u00e0 b\u00e0i to\u00e1n x\u00e1c th\u1ef1c ng\u01b0\u1eddi d\u00f9ng\u200f"},"content":{"rendered":"
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\u200fMobile Banking v\u00e0 b\u00e0i to\u00e1n x\u00e1c th\u1ef1c ng\u01b0\u1eddi S\u1ef1 b\u00f9ng n\u1ed5 Mobile Banking \u0111\u00e3 \u0111\u1eb7t ra nh\u1eefng th\u00e1ch th\u1ee9c v\u1ec1 b\u1ea3o v\u1ec7 d\u1eef li\u1ec7u c\u1ee7a kh\u00e1ch h\u00e0ng. V\u1edbi ph\u01b0\u01a1ng th\u1ee9c x\u00e1c th\u1ef1c th\u00f4ng qua FIDO s\u1ebd gi\u00fap ph\u00f2ng ch\u1ed1ng h\u01a1n 90% t\u1ea5n c\u00f4ng l\u1eeba \u0111\u1ea3o nh\u1eafm v\u00e0o th\u00f4ng tin \u0111\u0103ng nh\u1eadp c\u1ee7a ng\u01b0\u1eddi d\u00f9ng.<\/strong><\/h1>\n<\/div>\n<\/div>\n
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Vi\u1ec7c \u1ee9ng d\u1ee5ng nh\u1eefng ph\u01b0\u01a1ng th\u1ee9c x\u00e1c th\u1ef1c m\u1edbi nh\u01b0 FIDO s\u1ebd gi\u00fap ph\u00f2ng ch\u1ed1ng h\u01a1n 90% t\u1ea5n c\u00f4ng l\u1eeba \u0111\u1ea3o nh\u1eafm v\u00e0o th\u00f4ng tin \u0111\u0103ng nh\u1eadp c\u1ee7a ng\u01b0\u1eddi d\u00f9ng<\/figcaption><\/figure>\n

Nh\u1eefng r\u1ee7i ro t\u1eeb thanh to\u00e1n di \u0111\u1ed9ng v\u1edbi d\u1eef li\u1ec7u ng\u01b0\u1eddi d\u00f9ng<\/b><\/p>\n

<\/b>Nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t (KDTM) v\u00e0 thanh to\u00e1n di \u0111\u1ed9ng (Mobile Banking) \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t xu h\u01b0\u1edbng t\u1ea5t y\u1ebfu c\u1ee7a th\u1eddi \u0111\u1ea1i s\u1ed1. \u0110\u00e2y c\u0169ng l\u00e0 m\u1ed9t trong nh\u1eefng l\u00e0n s\u00f3ng c\u00f4ng ngh\u1ec7 l\u1edbn c\u00f3 s\u1ee9c m\u1ea1nh thay \u0111\u1ed5i c\u1ee5c di\u1ec7n th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh \u2013 ti\u00eau d\u00f9ng, ng\u00e0y c\u00e0ng lan r\u1ed9ng v\u00e0 \u0111\u01b0\u1ee3c ch\u1ee9ng minh b\u1eb1ng nh\u1eefng con s\u1ed1 \u1ea5n t\u01b0\u1ee3ng.<\/p>\n

Theo th\u1ed1ng k\u00ea c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) Vi\u1ec7t Nam, t\u00ednh \u0111\u1ebfn cu\u1ed1i n\u0103m 2023, thanh to\u00e1n KDTM \u0111\u1ea1t kho\u1ea3ng 11 t\u1ef7 giao d\u1ecbch, t\u0103ng g\u1ea7n 50% so v\u1edbi n\u0103m 2022.<\/p>\n

\u200fC\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u00e3 ch\u1ee9ng ki\u1ebfn \u200b\u200bs\u1ef1 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd trong vi\u1ec7c s\u1eed d\u1ee5ng ng\u00e2n h\u00e0ng di \u0111\u1ed9ng v\u1edbi kh\u1ed1i l\u01b0\u1ee3ng v\u00e0 gi\u00e1 tr\u1ecb giao d\u1ecbch t\u0103ng \u0111\u00e1ng k\u1ec3. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7t ra b\u00e0i to\u00e1n l\u1edbn v\u1ec1 x\u00e1c th\u1ef1c \u0111\u1ec3 b\u1ea3o v\u1ec7 th\u00f4ng tin v\u00e0 t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi d\u00f9ng. X\u00e1c th\u1ef1c \u0111a y\u1ebfu t\u1ed1, sinh tr\u1eafc h\u1ecdc v\u00e0 FIDO \u0111ang l\u00e0 ba ph\u01b0\u01a1ng ph\u00e1p \u0111\u01b0\u1ee3c quan t\u00e2m nh\u1ea5t hi\u1ec7n nay.\u200f\u200f<\/p>\n

Trong \u0111\u00f3, x\u00e1c th\u1ef1c \u0111a y\u1ebfu t\u1ed1 (MFA) l\u00e0 ph\u01b0\u01a1ng th\u1ee9c quen thu\u1ed9c khi k\u1ebft h\u1ee3p \u00edt nh\u1ea5t 2 trong 3 y\u1ebfu t\u1ed1, nh\u1eefng th\u1ee9 m\u00e0 ng\u01b0\u1eddi d\u00f9ng bi\u1ebft\u200f\u200f (nh\u01b0 m\u1eadt kh\u1ea9u), \u200f\u200fnh\u1eefng th\u1ee9 m\u00e0 ng\u01b0\u1eddi d\u00f9ng s\u1edf h\u1eefu\u200f\u200f (nh\u01b0 m\u1ed9t \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh\/kh\u00f3a b\u1ea3o m\u1eadt) v\u00e0 \u200f\u200fch\u00ednh b\u1ea3n th\u00e2n ng\u01b0\u1eddi d\u00f9ng\u200f\u200f (nh\u01b0 d\u1ea5u v\u00e2n tay\/g\u01b0\u01a1ng m\u1eb7t).\u200f<\/p>\n

\u200fD\u00f9 v\u1eady, vi\u1ec7c t\u00edch h\u1ee3p MFA y\u00eau c\u1ea7u ng\u01b0\u1eddi d\u00f9ng th\u1ef1c hi\u1ec7n nhi\u1ec1u b\u01b0\u1edbc x\u00e1c minh, l\u00e0m t\u0103ng th\u00eam \u0111\u1ed9 ph\u1ee9c t\u1ea1p v\u00e0 th\u1eddi gian cho quy tr\u00ecnh x\u00e1c th\u1ef1c, thanh to\u00e1n.\u200f<\/p>\n

\u200f\u0110\u1ee9ng tr\u01b0\u1edbc nhu c\u1ea7u v\u1ec1 c\u00e1c bi\u1ec7n ph\u00e1p v\u1eeba b\u1ea3o m\u1eadt m\u1ea1nh m\u1ebd, v\u1eeba thu\u1eadn ti\u1ec7n v\u00e0 t\u1ed1i \u01b0u chi ph\u00ed, sinh tr\u1eafc h\u1ecdc v\u00e0 FIDO \u0111\u01b0\u1ee3c \u0111\u1eb7t l\u00ean b\u00e0n c\u00e2n.\u200f\u200f<\/p>\n

\u200fHi\u1ec7n nay, nhi\u1ec1u ng\u00e2n h\u00e0ng hi\u1ec7n nay \u0111\u00e3 v\u00e0 \u0111ang s\u1eed d\u1ee5ng sinh tr\u1eafc h\u1ecdc khi y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng tr\u00ecnh di\u1ec7n d\u1ea5u hi\u1ec7u nh\u1eadn d\u1ea1ng sinh tr\u1eafc h\u1ecdc nh\u01b0 khu\u00f4n m\u1eb7t, v\u00e2n tay, gi\u1ecdng n\u00f3i \u0111\u1ec3 x\u00e1c th\u1ef1c giao d\u1ecbch. \u0110i\u1ec3m m\u1ea1nh c\u1ee7a ph\u01b0\u01a1ng ph\u00e1p n\u00e0y l\u00e0 s\u1ef1 thu\u1eadn ti\u1ec7n v\u00e0 t\u00ednh duy nh\u1ea5t c\u1ee7a d\u1eef li\u1ec7u sinh tr\u1eafc h\u1ecdc. Tuy nhi\u00ean, m\u1ed1i quan ng\u1ea1i l\u1edbn nh\u1ea5t l\u00e0 vi\u1ec7c l\u01b0u tr\u1eef v\u00e0 x\u1eed l\u00fd d\u1eef li\u1ec7u sinh tr\u1eafc h\u1ecdc sao cho an to\u00e0n.\u200f<\/p>\n

\u200fC\u00f2n \u0111\u1ed1i v\u1edbi ph\u01b0\u01a1ng th\u1ee9c x\u00e1c th\u1ef1c nhanh tr\u1ef1c tuy\u1ebfn (Fast IDentity Online \u2013 FIDO), ti\u00eau chu\u1ea9n x\u00e1c th\u1ef1c do Li\u00ean minh X\u00e1c th\u1ef1c Tr\u1ef1c tuy\u1ebfn Th\u1ebf gi\u1edbi FIDO Alliance ban h\u00e0nh, c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn tr\u00ean th\u1ebf gi\u1edbi v\u00e0 m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam \u0111\u00e3 ti\u00ean phong s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 n\u00e0y.<\/p>\n

\u200fKh\u00e1c bi\u1ec7t l\u1edbn nh\u1ea5t gi\u1eefa sinh tr\u1eafc h\u1ecdc v\u00e0 FIDO l\u00e0 t\u00ednh b\u1ea3o m\u1eadt. C\u00e1c d\u1eef li\u1ec7u sinh tr\u1eafc h\u1ecdc \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef t\u1eadp trung, \u0111\u01b0\u1ee3c v\u00ed nh\u01b0 \u201cm\u00f3n n\u1ee3 c\u1ee7a c\u00f4ng ngh\u1ec7\u201d khi d\u1ec5 d\u00e0ng b\u1ecb r\u00f2 r\u1ec9 \u1edf hi\u1ec7n t\u1ea1i v\u00e0 hack trong t\u01b0\u01a1ng lai. Khi d\u1eef li\u1ec7u n\u00e0y b\u1ecb l\u1ed9, ng\u01b0\u1eddi d\u00f9ng kh\u00f4ng th\u1ec3 thay \u0111\u1ed5i sinh tr\u1eafc h\u1ecdc c\u1ee7a m\u00ecnh nh\u01b0 thay m\u1eadt kh\u1ea9u hay kh\u00f3a b\u1ea3o m\u1eadt th\u00f4ng th\u01b0\u1eddng.<\/p>\n

Tr\u00e1i l\u1ea1i, FIDO t\u1ea1o ra m\u1ed9t quy tr\u00ecnh x\u00e1c th\u1ef1c m\u00e0 kh\u00f4ng c\u1ea7n truy\u1ec1n d\u1eef li\u1ec7u nh\u1ea1y c\u1ea3m qua m\u1ea1ng. V\u1edbi FIDO, d\u1eef li\u1ec7u x\u00e1c th\u1ef1c \u0111\u01b0\u1ee3c gi\u1eef an to\u00e0n tr\u00ean thi\u1ebft b\u1ecb ng\u01b0\u1eddi d\u00f9ng, gi\u1ea3m thi\u1ec3u r\u1ee7i ro b\u1ecb t\u1ea5n c\u00f4ng. Theo Microsoft, FIDO c\u00f3 kh\u1ea3 n\u0103ng ph\u00f2ng ch\u1ed1ng h\u01a1n 90% t\u1ea5n c\u00f4ng l\u1eeba \u0111\u1ea3o nh\u1eafm v\u00e0o th\u00f4ng tin \u0111\u0103ng nh\u1eadp c\u1ee7a ng\u01b0\u1eddi d\u00f9ng. \u200f<\/p>\n

\u200fFIDO c\u0169ng \u0111\u1ea3m b\u1ea3o s\u1ef1 \u0111\u01a1n gi\u1ea3n, thu\u1eadn ti\u1ec7n v\u00e0 linh ho\u1ea1t trong tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng. FIDO gi\u00fap ng\u01b0\u1eddi d\u00f9ng kh\u00f4ng c\u1ea7n nh\u1edb, qu\u1ea3n l\u00fd nhi\u1ec1u m\u1eadt kh\u1ea9u hay th\u1ef1c hi\u1ec7n nhi\u1ec1u b\u01b0\u1edbc \u0111\u1ec3 x\u00e1c th\u1ef1c. \u0110\u1ed3ng th\u1eddi, FIDO \u0111a d\u1ea1ng h\u00f3a c\u00e1c l\u1ef1a ch\u1ecdn x\u00e1c th\u1ef1c. Ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 linh \u0111\u1ed9ng l\u1ef1a ch\u1ecdn s\u1eed d\u1ee5ng v\u00e2n tay, m\u00e3 PIN hay kh\u00f3a v\u1eadt l\u00fd.<\/p>\n

B\u01b0\u1edbc ti\u1ebfn m\u1edbi trong vi\u1ec7c ph\u00e1t tri\u1ec3n FIDO \u1edf Vi\u1ec7t Nam<\/b><\/p>\n

Vi\u1ec7c ph\u00e1t tri\u1ec3n FIDO \u1edf Vi\u1ec7t Nam \u0111\u00e3 c\u00f3 th\u00eam m\u1ed9t b\u01b0\u1edbc ti\u1ebfn m\u1edbi, khi m\u00e0 NHNN \u0111\u00e3 ban h\u00e0nh Quy\u1ebft \u0111\u1ecbnh s\u1ed1 2345\/Q\u0110-NHNN ng\u00e0y 18\/12\/2023 v\u1ec1 tri\u1ec3n khai c\u00e1c gi\u1ea3i ph\u00e1p an to\u00e0n, b\u1ea3o m\u1eadt trong thanh to\u00e1n tr\u1ef1c tuy\u1ebfn v\u00e0 thanh to\u00e1n th\u1ebb ng\u00e2n h\u00e0ng. Trong \u0111\u00f3, quy \u0111\u1ecbnh s\u1eed d\u1ee5ng FIDO nh\u01b0 m\u1ed9t ph\u01b0\u01a1ng ph\u00e1p x\u00e1c th\u1ef1c t\u1ed1i thi\u1ec3u cho c\u00e1c giao d\u1ecbch lo\u1ea1i D cho c\u00e1c c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c\u200f\u200f .\u200f<\/p>\n

Theo c\u00e1c chuy\u00ean gia, quy\u1ebft \u0111\u1ecbnh n\u00e0y c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc nh\u01b0 m\u1ed9t \u0111\u00f2n b\u1ea9y \u0111\u1ea9y nhanh qu\u00e1 tr\u00ecnh FIDO h\u00f3a Mobile Banking cho c\u00e1c ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam, \u0111\u1eb7t ra nhu c\u1ea7u tr\u1ecdng y\u1ebfu trong vi\u1ec7c t\u00ecm ki\u1ebfm c\u00e1c \u0111\u01a1n v\u1ecb cung c\u1ea5p gi\u1ea3i ph\u00e1p FIDO uy t\u00edn.\u200f<\/p>\n

\u200fV\u1edbi \u0111\u1eb7c th\u00f9 \u0111\u00f2i h\u1ecfi n\u0103ng l\u1ef1c c\u00f4ng ngh\u1ec7 r\u1ea5t cao c\u00f9ng s\u1ef1 \u0111\u1ea7u t\u01b0 nghi\u00eam t\u00fac v\u00e0o nghi\u00ean c\u1ee9u ph\u00e1t tri\u1ec3n v\u00e0 ngu\u1ed3n nh\u00e2n l\u1ef1c, t\u1ea1i Vi\u1ec7t Nam v\u00e0 tr\u00ean th\u1ebf gi\u1edbi, kh\u00f4ng nhi\u1ec1u \u0111\u01a1n v\u1ecb d\u00e1m d\u1ea5n th\u00e2n v\u00e0o l\u0129nh v\u1ef1c cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p FIDO. \u200f<\/p>\n

\u200fVinCSS, \u200f\u200fm\u1ed9t start-up Vi\u1ec7t, \u0111\u00e3 hai l\u1ea7n li\u00ean ti\u1ebfp \u0111\u01b0\u1ee3c Frost & Sullivan c\u00f4ng nh\u1eadn l\u00e0 \u0111\u01a1n v\u1ecb ti\u00ean phong trong vi\u1ec7c cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p FIDO trong n\u01b0\u1edbc v\u00e0 kh\u1eafp khu v\u1ef1c Ch\u00e2u \u00c1 \u2013 Th\u00e1i B\u00ecnh D\u01b0\u01a1ng\u200f\u200f. L\u00e0 \u0111\u01a1n v\u1ecb \u0111\u1ea7u ti\u00ean t\u1ea1i Vi\u1ec7t Nam \u0111\u01b0\u1ee3c FIDO Alliance c\u1ea5p ch\u1ee9ng nh\u1eadn chu\u1ea9n FIDO2 cho c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 v\u00e0 nh\u00e2n s\u1ef1 c\u1ee7a m\u00ecnh, VinCSS cung c\u1ea5p nh\u1eefng gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7 b\u1ea3o m\u1eadt \u01b0u vi\u1ec7t, t\u1ed1i \u01b0u chi ph\u00ed \u0111\u1ea7u t\u01b0 v\u00e0 d\u1ec5 d\u00e0ng t\u01b0\u01a1ng th\u00edch v\u1edbi h\u1ea1 t\u1ea7ng c\u00f4ng ngh\u1ec7 c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

\u200fTrong b\u1ed1i c\u1ea3nh Vi\u1ec7t Nam \u0111ang quy\u1ebft t\u00e2m th\u1ef1c hi\u1ec7n m\u1ee5c ti\u00eau chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng, nghi\u00ean c\u1ee9u v\u00e0 t\u00edch h\u1ee3p FIDO cho Mobile Banking n\u00f3i ri\u00eang v\u00e0 c\u00e1c ng\u00e2n h\u00e0ng n\u00f3i chung tr\u1edf n\u00ean quan tr\u1ecdng v\u00e0 c\u1ea5p thi\u1ebft h\u01a1n bao gi\u1edd h\u1ebft.\u200f\/.<\/p>\n

Ngu\u1ed3n: https:\/\/ictvietnam.vn\/mobile-banking-va-bai-toan-xac-thuc-nguoi-dung-62623.html<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

\u200fMobile Banking v\u00e0 b\u00e0i to\u00e1n x\u00e1c th\u1ef1c ng\u01b0\u1eddi S\u1ef1 b\u00f9ng n\u1ed5 Mobile Banking \u0111\u00e3 \u0111\u1eb7t ra nh\u1eefng th\u00e1ch th\u1ee9c v\u1ec1 b\u1ea3o v\u1ec7 d\u1eef li\u1ec7u c\u1ee7a kh\u00e1ch h\u00e0ng. V\u1edbi ph\u01b0\u01a1ng th\u1ee9c x\u00e1c th\u1ef1c th\u00f4ng qua FIDO s\u1ebd gi\u00fap ph\u00f2ng ch\u1ed1ng h\u01a1n 90% t\u1ea5n c\u00f4ng l\u1eeba \u0111\u1ea3o nh\u1eafm v\u00e0o th\u00f4ng tin \u0111\u0103ng nh\u1eadp c\u1ee7a ng\u01b0\u1eddi d\u00f9ng. Vi\u1ec7c […]<\/p>\n","protected":false},"author":6,"featured_media":4022,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[13],"tags":[],"class_list":{"0":"post-4017","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-tin-tuc"},"_links":{"self":[{"href":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/wp-json\/wp\/v2\/posts\/4017","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/wp-json\/wp\/v2\/comments?post=4017"}],"version-history":[{"count":1,"href":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/wp-json\/wp\/v2\/posts\/4017\/revisions"}],"predecessor-version":[{"id":4025,"href":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/wp-json\/wp\/v2\/posts\/4017\/revisions\/4025"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/wp-json\/wp\/v2\/media\/4022"}],"wp:attachment":[{"href":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/wp-json\/wp\/v2\/media?parent=4017"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/wp-json\/wp\/v2\/categories?post=4017"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/chuyendoiso.haiphong.gov.vn\/index.php\/wp-json\/wp\/v2\/tags?post=4017"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}