![\"\"](\"https:\/\/tapchicntt.com\/wp-content\/uploads\/2020\/10\/sms-otp-quynhtrang.jpg\")
<\/figure><\/div>\n\n\n\nV\u1edbi m\u1ed9t s\u1ed1 giao d\u1ecbch nh\u01b0 \u0111\u0103ng k\u00fd d\u1ecbch v\u1ee5 hay thay \u0111\u1ed5i thi\u1ebft b\u1ecb (\u0111i\u1ec7n tho\u1ea1i, m\u00e1y t\u00ednh b\u1ea3ng) \u0111\u1ec3 c\u00e0i \u0111\u1eb7t \u1ee9ng d\u1ee5ng ebank, c\u00e1c ng\u00e2n h\u00e0ng cho r\u1eb1ng n\u1ebfu y\u00eau c\u1ea7u ch\u1ee7 t\u00e0i kho\u1ea3n ph\u1ea3i \u0111\u1ebfn t\u1eadn qu\u1ea7y th\u00ec qu\u00e1 b\u1ea5t ti\u1ec7n v\u00e0 kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi xu th\u1ebf s\u1ed1 h\u00f3a. Do \u0111\u00f3, v\u00ed d\u1ee5 b\u1ea1n mu\u1ed1n chuy\u1ec3n giao d\u1ecbch ebank sang m\u1ed9t \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh m\u1edbi, h\u1ea7u h\u1ebft ng\u00e2n h\u00e0ng s\u1ebd y\u00eau c\u1ea7u nh\u1eadp m\u1eadt kh\u1ea9u \u0111\u01b0\u1ee3c x\u00e1c th\u1ef1c b\u1eb1ng SMS OTP ho\u1eb7c g\u1eedi qua email.<\/p>\n\n\n\n
Chia s\u1ebb v\u1edbi VnExpress, gi\u00e1m \u0111\u1ed1c ng\u00e2n h\u00e0ng s\u1ed1 c\u1ee7a m\u1ed9t nh\u00e0 b\u0103ng th\u1eeba nh\u1eadn, x\u00e1c th\u1ef1c b\u1eb1ng tin nh\u1eafn ch\u01b0a ph\u1ea3i l\u00e0 gi\u1ea3i ph\u00e1p ho\u00e0n h\u1ea3o. Tuy nhi\u00ean, c\u00e1c ng\u00e2n h\u00e0ng v\u1eabn ph\u1ea3i s\u1eed d\u1ee5ng do n\u00f3 h\u00e0i h\u00f2a \u0111\u01b0\u1ee3c hai y\u1ebfu t\u1ed1 b\u1ea3o m\u1eadt v\u00e0 ti\u1ec7n l\u1ee3i cho ng\u01b0\u1eddi d\u00f9ng.<\/p>\n\n\n\n
B\u00ean c\u1ea1nh \u0111\u00f3, theo l\u1eadp lu\u1eadn c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, n\u1ebfu kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng \u0111i\u1ec7n tho\u1ea1i ch\u00ednh h\u00e3ng, kh\u00f4ng b\u1ebb kho\u00e1 c\u0169ng nh\u01b0 c\u00e0i \u0111\u1eb7t \u1ee9ng d\u1ee5ng kh\u00f4ng r\u00f5 ngu\u1ed3n g\u1ed1c th\u00ec ph\u01b0\u01a1ng th\u1ee9c SMS OTP v\u1eabn \u0111\u1ea3m b\u1ea3o an to\u00e0n.<\/p>\n\n\n\n
Nh\u01b0ng kh\u00f4ng th\u1ec3 ph\u1ee7 nh\u1eadn ng\u00e0y c\u00e0ng c\u00f3 nhi\u1ec1u v\u1ee5 vi\u1ec7c m\u1ea5t ti\u1ec1n th\u00f4ng qua chi\u1ebfm \u0111\u01b0\u1ee3c tin nh\u1eafn SMS c\u1ee7a ng\u01b0\u1eddi d\u00f9ng. T\u1eeb n\u0103m 2016, Vi\u1ec7n Ti\u00eau chu\u1ea9n v\u00e0 C\u00f4ng ngh\u1ec7 Qu\u1ed1c gia (NIST) M\u1ef9 \u0111\u00e3 ban h\u00e0nh h\u01b0\u1edbng d\u1eabn nh\u1eb1m khuy\u1ebfn ngh\u1ecb c\u00e1c \u0111\u01a1n v\u1ecb gi\u1ea3m vi\u1ec7c s\u1eed d\u1ee5ng SMS OTP nh\u01b0 m\u1ed9t l\u1edbp b\u1ea3o m\u1eadt th\u1ee9 hai v\u00e0 chuy\u1ec3n d\u1ea7n sang c\u00e1c h\u00ecnh th\u1ee9c x\u00e1c th\u1ef1c kh\u00e1c.<\/p>\n\n\n\n
Gi\u1edbi ng\u00e2n h\u00e0ng Vi\u1ec7t th\u1ef1c t\u1ebf \u0111\u00e3 d\u1ef1ng th\u00eam c\u00e1c l\u1edbp b\u1ea3o m\u1eadt kh\u00e1c, t\u1eeb hard\/soft token, ch\u1eef k\u00fd s\u1ed1, sinh tr\u1eafc h\u1ecdc… nh\u01b0ng nh\u1eefng gi\u1ea3i ph\u00e1p n\u00e0y \u0111\u1ec1u kh\u00f3 \u1ee9ng d\u1ee5ng r\u1ed9ng r\u00e3i \u1edf Vi\u1ec7t Nam v\u00ec ch\u01b0a \u0111\u00e1p \u1ee9ng t\u00ednh “ti\u1ec7n l\u1ee3i”, “ti\u1ebft ki\u1ec7m”.<\/p>\n\n\n\n
Nh\u01b0 Hard token – m\u1ed9t thi\u1ebft b\u1ecb b\u1ea3o m\u1eadt t\u1ea1o m\u00e3 OTP \u0111\u1ec3 x\u00e1c th\u1ef1c giao d\u1ecbch, c\u00f3 \u0111\u1ed9 b\u1ea3o m\u1eadt cao h\u01a1n x\u00e1c th\u1ef1c b\u1eb1ng SMS. Thi\u1ebft b\u1ecb n\u00e0y k\u00edch th\u01b0\u1edbc nh\u01b0 m\u1ed9t USB, c\u00f3 th\u1ec3 t\u1ea1o ra chu\u1ed7i k\u00fd t\u1ef1 ng\u1eabu nhi\u00ean v\u00e0 k\u1ebft n\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng c\u1ee7a ng\u00e2n h\u00e0ng n\u00ean v\u1ec1 l\u00fd thuy\u1ebft, s\u1ebd tr\u00e1nh \u0111\u01b0\u1ee3c r\u1ee7i ro hacker \u0111\u00e1nh c\u1eafp m\u00e3 OTP khi ki\u1ec3m so\u00e1t \u0111\u01b0\u1ee3c \u0111i\u1ec7n tho\u1ea1i.<\/p>\n\n\n\n
Tuy nhi\u00ean, kh\u00e1ch h\u00e0ng s\u1ebd ph\u1ea3i b\u1ecf ra kho\u1ea3n ph\u00ed t\u1eeb v\u00e0i tr\u0103m ng\u00e0n \u0111\u1ed3ng cho m\u1ed9t thi\u1ebft b\u1ecb, \u0111i\u1ec1u n\u00e0y, theo c\u00e1c ng\u00e2n h\u00e0ng, kh\u00f4ng ph\u1ea3i d\u1ec5 ch\u1ea5p nh\u1eadn v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi. B\u00ean c\u1ea1nh \u0111\u00f3, vi\u1ec7c c\u1ea5t gi\u1eef v\u00e0 mang theo b\u00ean m\u00ecnh m\u1ed9t thi\u1ebft b\u1ecb c\u1ee9ng \u0111\u1ec3 giao d\u1ecbch c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 gi\u1ea3i ph\u00e1p thu\u1eadn ti\u1ec7n v\u1edbi s\u1ed1 \u0111\u00f4ng. Kh\u00f4ng mang theo hard token, m\u1ecdi l\u00fac m\u1ecdi n\u01a1i, b\u1ea1n s\u1ebd kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n giao d\u1ecbch.<\/p>\n\n\n\n
Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c m\u1ed9t ng\u00e2n h\u00e0ng xin gi\u1ea5u t\u00ean n\u00f3i v\u1edbi VnExpress: “Ch\u01b0a k\u1ec3, trong b\u1ed1i c\u1ea3nh nh\u00e0 nh\u00e0 \u0111ua l\u00e0m ng\u00e2n h\u00e0ng s\u1ed1, khi b\u1ea1n th\u00eam m\u1ed9t r\u00e0o c\u1ea3n trong giao d\u1ecbch, t\u0103ng chi ph\u00ed khi kh\u00e1ch h\u00e0ng tr\u1ea3i nghi\u1ec7m s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5, t\u1ee9c b\u1ea1n gi\u1ea3m t\u00ednh c\u1ea1nh tranh c\u1ee7a ng\u00e2n h\u00e0ng m\u00ecnh so v\u1edbi \u0111\u1ed1i th\u1ee7”, v\u1ecb n\u00e0y n\u00f3i.<\/p>\n\n\n\n
B\u00ean c\u1ea1nh \u0111\u00f3, c\u00e1c nh\u00e0 b\u0103ng \u0111ang \u0111\u1ea9y m\u1ea1nh v\u00e0 khuy\u1ebfn kh\u00edch kh\u00e1ch h\u00e0ng d\u00f9ng ph\u01b0\u01a1ng th\u1ee9c Smart OTP (soft token) – \u1ee9ng d\u1ee5ng tr\u00ean di \u0111\u1ed9ng cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng ch\u1ee7 \u0111\u1ed9ng l\u1ea5y m\u00e3 x\u00e1c th\u1ef1c d\u00f9ng m\u1ed9t l\u1ea7n. So v\u1edbi g\u1eedi OTP qua tin nh\u1eafn SMS, Smart OTP kh\u00f4ng ch\u1ec9 gi\u00fap nh\u00e0 b\u0103ng b\u1edbt ph\u1ea7n n\u00e0o chi ph\u00ed tr\u1ea3 cho nh\u00e0 m\u1ea1ng m\u00e0 c\u00f2n \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 an to\u00e0n h\u01a1n.<\/p>\n\n\n\n
Trong khi SMS OTP ph\u1ea3i th\u1ef1c hi\u1ec7n th\u00f4ng qua \u0111\u1ed1i t\u00e1c th\u1ee9 ba l\u00e0 nh\u00e0 m\u1ea1ng v\u00e0 nh\u1eefng tin nh\u1eafn kh\u00f4ng \u0111\u01b0\u1ee3c m\u00e3 ho\u00e1 v\u1eabn c\u00f3 r\u1ee7i ro b\u1ecb chi\u1ebfm \u0111o\u1ea1t, Smart OTP gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c b\u00e0i to\u00e1n n\u00e0y. Tuy nhi\u00ean, gi\u1ea3i ph\u00e1p n\u00e0y c\u0169ng ch\u1ec9 \u00e1p d\u1ee5ng \u0111\u01b0\u1ee3c cho nh\u1eefng ng\u01b0\u1eddi d\u00f9ng s\u1eed d\u1ee5ng \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh, kh\u00f4ng ph\u1ea3i cho t\u1ea5t c\u1ea3 kh\u00e1ch h\u00e0ng c\u1ee7a nh\u00e0 b\u0103ng.<\/p>\n\n\n\n
Hi\u1ec7n m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u00e3 chuy\u1ec3n sang \u00e1p d\u1ee5ng Smart OTP, m\u1ed9t s\u1ed1 \u0111\u01a1n v\u1ecb tri\u1ec3n khai hard-token nh\u01b0ng v\u1edbi kh\u00e1ch h\u00e0ng c\u00f3 giao d\u1ecbch s\u1ed1 ti\u1ec1n l\u1edbn v\u00e0 c\u00f3 nhu c\u1ea7u (s\u1eb5n s\u00e0ng tr\u1ea3 ph\u00ed). C\u00f2n l\u1ea1i ph\u1ea7n l\u1edbn v\u1eabn \u00e1p d\u1ee5ng ph\u01b0\u01a1ng th\u1ee9c truy\u1ec1n th\u1ed1ng SMS OTP.<\/p>\n\n\n\n
Ngo\u00e0i ra, \u0111\u1ec3 thay th\u1ebf vi\u1ec7c x\u00e1c th\u1ef1c b\u1eb1ng tin nh\u1eafn, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng t\u00ednh \u0111\u1ebfn c\u00e1ch th\u00ed \u0111i\u1ec3m ph\u01b0\u01a1ng th\u1ee9c x\u00e1c th\u1ef1c b\u1eb1ng ch\u1eef k\u00fd s\u1ed1 – th\u00f4ng tin \u0111i k\u00e8m d\u1eef li\u1ec7u v\u0103n b\u1ea3n hay h\u00ecnh \u1ea3nh thay th\u1ebf cho “ch\u1eef k\u00fd t\u01b0\u01a1i” \u0111\u1ec3 \u0111\u1ecbnh danh ng\u01b0\u1eddi th\u1ef1c hi\u1ec7n giao d\u1ecbch. Ng\u01b0\u1eddi d\u00f9ng ch\u1eef k\u00fd s\u1ed1 theo \u0111\u00f3 \u0111\u01b0\u1ee3c c\u1ea5p m\u1ed9t thi\u1ebft b\u1ecb c\u1ee9ng m\u00e3 h\u00f3a t\u1ea5t c\u1ea3 d\u1eef li\u1ec7u, th\u00f4ng tin \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch \u0111i\u1ec7n t\u1eed.<\/p>\n\n\n\n
Tuy nhi\u00ean, hi\u1ec7n nay ch\u01b0a c\u00f3 h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd t\u1eadp trung ch\u1eef k\u00fd s\u1ed1 v\u00e0 chi ph\u00ed \u0111\u1ec3 m\u1ed9t c\u00e1 nh\u00e2n s\u1eed d\u1ee5ng c\u0169ng m\u1ea5t t\u1ed1i thi\u1ec3u 1 tri\u1ec7u \u0111\u1ed3ng m\u1ed7i n\u0103m. V\u00ec th\u1ebf, vi\u1ec7c \u00e1p d\u1ee5ng v\u1eabn \u0111ang \u1edf giai \u0111o\u1ea1n th\u00ed \u0111i\u1ec3m v\u00e0 t\u00ednh ph\u1ed5 c\u1eadp ch\u01b0a cao.<\/p>\n\n\n\n
Ngo\u00e0i ra, m\u1ed9t v\u00e0i ng\u00e2n h\u00e0ng c\u0169ng \u0111ang nghi\u00ean c\u1ee9u vi\u1ec7c s\u1eed d\u1ee5ng d\u1eef li\u1ec7u sinh tr\u1eafc h\u1ecdc \u0111\u1ec3 nh\u1eadn di\u1ec7n ng\u01b0\u1eddi th\u1ef1c hi\u1ec7n giao d\u1ecbch, nh\u01b0 l\u1edbp b\u1ea3o m\u1eadt th\u1ee9 ba b\u00ean c\u1ea1nh SMS OTP. Theo \u0111\u00f3, nh\u00e0 b\u0103ng s\u1ebd ch\u1ee7 \u0111\u1ed9ng thu th\u1eadp d\u1eef li\u1ec7u sinh tr\u1eafc h\u1ecdc c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 d\u1ef1a tr\u00ean c\u01a1 s\u1edf d\u1eef li\u1ec7u n\u00e0y \u0111\u1ec3 nh\u1eadn di\u1ec7n kh\u00e1ch h\u00e0ng m\u1ed7i l\u1ea7n th\u1ef1c hi\u1ec7 giao d\u1ecbch.<\/p>\n\n\n\n
Tuy nhi\u00ean, ph\u01b0\u01a1ng \u00e1n n\u00e0y c\u0169ng \u0111\u00f2i h\u1ecfi nhi\u1ec1u th\u1eddi gian \u0111\u1ec3 thu th\u1eadp \u0111\u1ee7 d\u1eef li\u1ec7u sinh tr\u1eafc h\u1ecdc c\u1ee7a kh\u00e1ch h\u00e0ng, ch\u01b0a k\u1ec3 m\u1ea5t nhi\u1ec1u chi ph\u00ed \u0111\u1ea7u t\u01b0 v\u00e0o h\u1ec7 th\u1ed1ng h\u1ea1 t\u1ea7ng. V\u00ec th\u1ebf, theo l\u00e3nh \u0111\u1ea1o m\u1ed9t nh\u00e0 b\u0103ng, vi\u1ec7c tri\u1ec3n khai r\u1ed9ng r\u00e3i ph\u01b0\u01a1ng \u00e1n n\u00e0y c\u00f3 th\u1ec3 m\u1ea5t t\u1edbi v\u00e0i n\u0103m.<\/p>\n\n\n\n
Trong b\u1ed1i c\u1ea3nh SMS OTP v\u1eabn l\u00e0 ph\u01b0\u01a1ng th\u1ee9c ph\u1ed5 bi\u1ebfn, \u0111\u1ec3 ch\u1ee7 \u0111\u1ed9ng b\u1ea3o v\u1ec7 cho d\u1eef li\u1ec7u c\u00e1 nh\u00e2n v\u00e0 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, chuy\u00ean gia c\u00f4ng ngh\u1ec7 khuy\u1ebfn c\u00e1o ng\u01b0\u1eddi d\u00f9ng \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh kh\u00f4ng b\u1ebb kh\u00f3a hay c\u00e0i \u0111\u1eb7t \u1ee9ng d\u1ee5ng kh\u00f4ng r\u00f5 ngu\u1ed3n g\u1ed1c. B\u1edfi, \u0111i\u1ec7n tho\u1ea1i iphone \u0111\u00e3 b\u1ecb b\u1ebb kho\u00e1 hay smartphone h\u1ec7 \u0111i\u1ec1u h\u00e0nh android c\u00e0i \u0111\u1eb7t \u1ee9ng d\u1ee5ng kh\u00f4ng r\u00f5 ngu\u1ed3n g\u1ed1c \u2013 s\u1ebd lu\u00f4n l\u00e0 k\u1ebd h\u1edf cho c\u00e1c ph\u1ea7n m\u1ec1m gi\u00e1n \u0111i\u1ec7p \u0111\u00e1nh c\u1eafp d\u1eef li\u1ec7u v\u00e0 th\u00f4ng tin c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n","protected":false},"excerpt":{"rendered":"
SMS OTP b\u1ecb ch\u00ea thi\u1ebfu an to\u00e0n nh\u01b0ng c\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t v\u1eabn d\u00f9ng v\u00ec n\u00f3 dung h\u00f2a \u0111\u01b0\u1ee3c b\u00e0i […]<\/p>\n","protected":false},"author":6,"featured_media":7047,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-7046","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-mat"],"views":391,"_links":{"self":[{"href":"https:\/\/tapchicntt.com\/rest-api\/wp\/v2\/posts\/7046","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tapchicntt.com\/rest-api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tapchicntt.com\/rest-api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tapchicntt.com\/rest-api\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/tapchicntt.com\/rest-api\/wp\/v2\/comments?post=7046"}],"version-history":[{"count":1,"href":"https:\/\/tapchicntt.com\/rest-api\/wp\/v2\/posts\/7046\/revisions"}],"predecessor-version":[{"id":7048,"href":"https:\/\/tapchicntt.com\/rest-api\/wp\/v2\/posts\/7046\/revisions\/7048"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tapchicntt.com\/rest-api\/wp\/v2\/media\/7047"}],"wp:attachment":[{"href":"https:\/\/tapchicntt.com\/rest-api\/wp\/v2\/media?parent=7046"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tapchicntt.com\/rest-api\/wp\/v2\/categories?post=7046"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tapchicntt.com\/rest-api\/wp\/v2\/tags?post=7046"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}