Vi thanh toán trên di động

WJJJJIJJjRh TOm^NiTRENidlPiip<br /> <br /> Ciing vdi cac xu hudng phat triSn nhu: cac he bing the tin dung vao khoang 1,00 USD, khoan<br /> thdng cdng tac, cdng nghe dinh vi dia chi, img tien nay nguOT ban bang se phai tra. Dieu nay ddng<br /> dung dua tr&n mang xa hoi,... Vi thanh toan tren ngMa VOT viee khong cd each nao ban nhiing hang<br /> di ddng (micropayment mobile) la mot trong 10 xu boa nhd nhu vay tm phi mdt phuong phap thanh<br /> hudng phat triSn img dung trdn dien thoai di ddng toan tiet kiem hon dupe phat trien. Dd la ly do tai<br /> trong nam nay. sao mpt phuong phap dupe gpi la vi thanh toan<br /> (micropayment) la can thiet.<br /> 1. V I THANH TOAN TREN D I DONG Micropayment ndi den 0ao dich cae khoan tien<br /> Gia sit mdt nguOT tieu diing mua mpt bite tianh nhd true Myen. Nhin chung nd lien quan den nhieu<br /> sd hay nghe nhac tren Intemet VOT mdt khoan phi loai chuyen tien, dac biet tren di ddng - mdt moi<br /> la 0,25 USD. Hp se tra khoan tien dd nhu the nao? trudng dupe khai thac manh nhat trong thOT 0an<br /> CM phi tdi tMeu de xit ly mdt khoan thanh toan 0an gan day VOT nhiing tiem nang cdn rat Idn. DUOT<br /> <br /> <br /> Nll.l CIMKJ C lljcll VU<br /> <br /> <br /> <br /> <br /> NoJn l u n g ^ ^ Kliich h i n u<br /> <br /> <br /> Hinhl. Mo hinh micropayment<br /> <br /> <br /> <br /> <br /> TAP CHI CNTT &TTKY 2 (1.2011) I 55<br />  SAN PHAM - DICH VU<br /> <br /> <br /> <br /> <br /> Cong thaiih toan<br /> (payment<br /> gateway)<br /> <br /> <br /> <br /> Hinh2. Cong tac cac he thong micropayment<br /> <br /> <br /> gdc dd eua nha phat trien, nhiing he thdng nhu the 2. SU" KET H g p G I C A 2 XU THE: CONG<br /> nay - noi ma rat nhieu ngudi diing da su dung quen TAC VA V I THANH TOAN<br /> thudc rat can dupe cai tien va ddi mai each thue Khi kien tnic cdng tac dang trd thanh xu hudng<br /> boat ddng ciing nhu eae van de bao mat. phat trien tien cac img dung web, vidn thdng,... tM<br /> Gidng nhu cac he thdng tiao ddi tien bac khac, vi eae nha phat trien da ket hpp cae he thdng cdng<br /> thanh toan gdm eae thanh phan co ban: ngudi mua, tac Payment Gateway (PG-eae edng thanh toan) de<br /> nha cung cap 0ch vu va ngan hang. De dat dupe cai tien cac he thdng thanh toan nhd tren di ddng.<br /> su chap thuan va hai Idng cua khach hang, cae he Cdng cdng tac thanh toan nay se ket ndi cac he vl<br /> thdng vi thanh toan can phai dd dang cho viee su thanh toan khac nhau tien cac img dung thuang<br /> dung va trien khai tren cac dai ly phan phdi va cM mai dien tu, ndi dung sd,.. .0up de dang eho ea nha<br /> phi eua nd phai phii hpp eho 0a tri thanh toan ma cung cip dich vu lin khach hang lua ehpn su dung<br /> nd mang 10. thay vi mdi ben phai ehpn nhung thanh phan thanh<br /> Khac v0 micropayment la cac he thdng toan thu 3 khac nhau.<br /> macropayment (thue Men eae 0ao dich v0 sd lupng Chile nang cua PG bao gdm nhan cae thanh toan<br /> Idn tien) thudng sit dung bao mat cae 0ao 0ch VOT til khach hang sit dung (ngu0 mua) rdi gm den eho<br /> phuong thuc ma hda khda cdng khai. cac nha cung cap npi dung (ngu0 ban). Toan bd<br /> thong tin cM tiet ve nguOT mua, ngu0 ban va cac<br /> <br /> <br /> Khach hang N h a cung c ^<br /> <br /> <br /> \m •<br /> Cong thanli toan<br /> <br /> •<br /> WP<<br /> Payer 1 Payee 2<br /> Payee v \ / ^ a y e r 2<br /> 1 1 1 1<br /> 1 1 1<br /> Issuer 1 Acquirer 1 Issuer 2 Acquirer 2<br /> <br /> — - QuanhekKnctihar Chuyenthanhtoan<br /> • Khdit^th«nhtoai 0 wgpc thanhtoan<br /> •^•^ Tuang tac \njrih^thongthanh toan<br /> Hinh3. So do giao dich aJa he thong payment gate<br /> <br /> <br /> <br /> <br /> 5 6 I TAP CHI CNTT & TT KY 2 ( 1 . 2 0 1 1 )<br />  SAN PHAM - DICH Vg<br /> <br /> <br /> <br /> <br /> m Bu-dc thiit \ h^thSng m<br /> Up kit noi I thanhtoin h$ thong<br /> h$ th6ng<br /> .tryxtilp / . ^ * " thanh loan<br /> thanh to^n<br /> 2mkkriSi<br /> Hinh4. Thijc hiSn song song m h6 thong thanh toan tr6n PG<br /> <br /> thdng tm bao mat cho 0ao 0ch thanh cong deu Su khac nhau eo ban 0u:a cac edng thanh toan<br /> dupe 0nh ngMa va truyen tai day dii tien cdng la 0? Dd la khac nhau ve mo hinh 0ao 0ch thanh<br /> 0anh toan. toan dupe img dung (cd md Mnh nhu: 0eu kMen<br /> Cdng thanh toan tieh hpp cae 0ai phap ngan true tiep dua tien tien mat, 0eu khien true tiep dua<br /> hang true Myen (mtemet banking) dupe sit dimg tien tm khoan, 0eu kMen 0an tiep tien tat khoan,<br /> rdng rai ngay nay. Mdt edng thanh toan gdm cd 4 ...); khac nhau ve kich thudc thanh toan (cac he<br /> 0anh phan cMnh: bd phan thanh toan (payer), bd micropayment 0 0 ban khoan tien tdi tMeu va tdi<br /> phan nhan thanh toan (payee), bd phan gm yeu eau da dupe tniyen tai khac nhau); hay khac nhau ve<br /> (issurer) va bd phan nhan ket qua (acquuer). qua trinh xac thuc qua trinh thanh toan va ngum<br /> Khach hang va nha cung cap npi dung sd se giti dimg.<br /> cac 0ao dich cling nhu nhan eae ket qua 0ao 0eh Su dung co che thirc tM song song eae Uen trinh<br /> 0dng qua bd phan thanh toan (payer 1) va bd phan de nang eao tdc dp thue Men cac 0ao dich thanh<br /> nhan 0anh toan (payee2). Payer 1 gui eae thanh toan tien PG nhim 0am cM phi eiing nhu chat<br /> toan khi dupe khach hang ydu cau (sau kM mua lupng va tang cudng bao mat.<br /> 0ch vu), payee2 nhan cac thanh toan dd den cho Gia su cd m he thdng thanh toan khac nhau, kM<br /> nha cung cap ndi dung. De thue hien dupe 0ao dich dd tren edng thanh toan PG se cd m(m-1) eae ket<br /> 0aiih toan, payment gateway ket hpp cac payee 1 ndi true tiep 0ua chimg. va kM phat sinh mpt thanh<br /> va payer2, trong dd payer2 se nhan va gm eae yeu toan mOT se cin cd 2 m ket ndi trung 0an thiet lap<br /> ciu 0anh toan den payee2 cho mdi thanh toan da sin tien dd de thoanh toan nay cd the thuc Men<br /> nhan dupe hai payee 1 thanh cdng qua PG.<br /> <br /> <br /> <br /> <br /> TAP CHI CNTT &TTKY 2 (1.2011) | 57<br />