{"id":48906,"date":"2024-10-28T14:45:10","date_gmt":"2024-10-28T07:45:10","guid":{"rendered":"https:\/\/jobsgo.vn\/blog\/?p=48906"},"modified":"2024-10-28T17:21:04","modified_gmt":"2024-10-28T10:21:04","slug":"kyc-la-gi","status":"publish","type":"post","link":"https:\/\/jobsgo.vn\/blog\/kyc-la-gi\/","title":{"rendered":"KYC L\u00e0 G\u00ec? 4 B\u01b0\u1edbc X\u00e1c Minh KYC \u0110\u00fang Chu\u1ea9n"},"content":{"rendered":"\n<div class=\"kk-star-ratings\n     kksr-valign-top     kksr-align-left    \"\n    data-payload=\"{&quot;align&quot;:&quot;left&quot;,&quot;id&quot;:&quot;48906&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;top&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;count&quot;:&quot;0&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;4.5&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;\\u0110\\u00e1nh gi\\u00e1 post&quot;,&quot;legend&quot;:&quot;4.5\\\/5 - (0 votes)&quot;,&quot;size&quot;:&quot;22&quot;,&quot;width&quot;:&quot;119&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;}\">\n    \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 119px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n    \n<div class=\"kksr-legend\">\n            <span class=\"kksr-muted\">\u0110\u00e1nh gi\u00e1 post<\/span>\n    <\/div>\n<\/div>\n<p><strong><em>KYC l\u00e0 g\u00ec<\/em><\/strong><em>? KYC l\u00e0 m\u1ed9t b\u1ed9 ti\u00eau chu\u1ea9n v\u00e0 y\u00eau c\u1ea7u \u0111\u01b0\u1ee3c c\u00e1c doanh nghi\u1ec7p s\u1eed d\u1ee5ng \u0111\u1ec3 x\u00e1c minh danh t\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng; gi\u00fap b\u1ea3o v\u1ec7 doanh nghi\u1ec7p v\u00e0 kh\u00e1ch h\u00e0ng kh\u1ecfi c\u00e1c ho\u1ea1t \u0111\u1ed9ng gian l\u1eadn. Trong b\u00e0i vi\u1ebft h\u00f4m nay, JobsGO s\u1ebd c\u00f9ng b\u1ea1n t\u00ecm hi\u1ec3u v\u1ec1 KYC, eKYC.<\/em><\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">M\u1ee5c l\u1ee5c<\/p><ul class=\"toc_list\"><li><a href=\"#1_Tim_Hieu_Ve_KYC\">1. T\u00ecm Hi\u1ec3u V\u1ec1 KYC<\/a><ul><li><a href=\"#11_KYC_La_Gi\">1.1. KYC L\u00e0 G\u00ec?<\/a><\/li><li><a href=\"#12_KYC_Trong_Dau_Tu\">1.2. KYC Trong \u0110\u1ea7u T\u01b0<\/a><\/li><li><a href=\"#13_KYC_Trong_Cac_San_Giao_Dich_Tien_Ao\">1.3. KYC Trong C\u00e1c S\u00e0n Giao D\u1ecbch Ti\u1ec1n \u1ea2o<\/a><\/li><\/ul><\/li><li><a href=\"#2_Tam_Quan_Trong_Cua_KYC\">2. T\u1ea7m Quan Tr\u1ecdng C\u1ee7a KYC<\/a><ul><li><a href=\"#21_Xac_Minh_Thong_Tin_Khach_Hang\">2.1. X\u00e1c Minh Th\u00f4ng Tin Kh\u00e1ch H\u00e0ng<\/a><\/li><li><a href=\"#22_Xac_Dinh_Nhung_Rui_Ro_Co_The_Xay_Ra_Lien_Quan_Toi_Khach_Hang\">2.2. X\u00e1c \u0110\u1ecbnh Nh\u1eefng R\u1ee7i Ro C\u00f3 Th\u1ec3 X\u1ea3y Ra Li\u00ean Quan T\u1edbi Kh\u00e1ch H\u00e0ng<\/a><\/li><li><a href=\"#23_Tang_Muc_Do_An_Toan_Trong_Cac_Giao_Dich\">2.3. T\u0103ng M\u1ee9c \u0110\u1ed9 An To\u00e0n Trong C\u00e1c Giao D\u1ecbch<\/a><\/li><\/ul><\/li><li><a href=\"#3_Quy_Trinh_Xac_Minh_KYC_Dung_Chuan\">3. Quy Tr\u00ecnh X\u00e1c Minh KYC \u0110\u00fang Chu\u1ea9n<\/a><ul><li><a href=\"#31_Doi_Tuong_Can_Tuan_Thu_Yeu_Cau_Cua_KYC\">3.1. \u0110\u1ed1i T\u01b0\u1ee3ng C\u1ea7n Tu\u00e2n Th\u1ee7 Y\u00eau C\u1ea7u C\u1ee7a KYC<\/a><\/li><li><a href=\"#32_Tai_Lieu_Can_Thiet_Cho_Quy_Trinh_KYC\">3.2. T\u00e0i Li\u1ec7u C\u1ea7n Thi\u1ebft Cho Quy Tr\u00ecnh KYC<\/a><\/li><li><a href=\"#33_Quy_Trinh_Xac_Minh_KYC_Thanh_Cong\">3.3. Quy Tr\u00ecnh X\u00e1c Minh KYC Th\u00e0nh C\u00f4ng<\/a><ul><li><a href=\"#311_Buoc_1_Thu_Thap_Thong_Tin_Khach_Hang\">3.1.1. B\u01b0\u1edbc 1: Thu Th\u1eadp Th\u00f4ng Tin Kh\u00e1ch H\u00e0ng<\/a><\/li><li><a href=\"#332_Buoc_2_Thu_Thap_Ho_So_Dinh_Danh_Tham_Dinh_Thong_Tin\">3.3.2. B\u01b0\u1edbc 2: Thu Th\u1eadp H\u1ed3 S\u01a1 \u0110\u1ecbnh Danh, Th\u1ea9m \u0110\u1ecbnh Th\u00f4ng Tin<\/a><\/li><li><a href=\"#333_Buoc_3_Danh_Gia_Rui_Ro\">3.3.3. B\u01b0\u1edbc 3: \u0110\u00e1nh Gi\u00e1 R\u1ee7i Ro<\/a><\/li><li><a href=\"#334_Buoc_4_Luu_Lai_Thong_Tin\">3.3.4. B\u01b0\u1edbc 4: L\u01b0u L\u1ea1i Th\u00f4ng Tin<\/a><\/li><\/ul><\/li><\/ul><\/li><li><a href=\"#4_Tim_hieu_ve_eKYC\">4. T\u00ecm hi\u1ec3u v\u1ec1 eKYC<\/a><ul><li><a href=\"#41_eKYC_La_Gi\">4.1. eKYC L\u00e0 G\u00ec?<\/a><\/li><li><a href=\"#42_eKYC_Khac_Gi_Voi_KYC\">4.2. eKYC Kh\u00e1c G\u00ec V\u1edbi KYC<\/a><\/li><li><a href=\"#43_Uu_Diem_Cua_eKYC\">4.3. \u01afu \u0110i\u1ec3m C\u1ee7a eKYC<\/a><ul><li><a href=\"#431_Tiet_Kiem_Thoi_Gian_Va_Chi_Phi\">4.3.1. Ti\u1ebft Ki\u1ec7m Th\u1eddi Gian V\u00e0 Chi Ph\u00ed<\/a><\/li><li><a href=\"#432_Thuan_Tien_Va_De_Dang_Hon\">4.3.2. Thu\u1eadn Ti\u1ec7n V\u00e0 D\u1ec5 D\u00e0ng H\u01a1n<\/a><\/li><li><a href=\"#433_Luu_Tru_Tra_Cuu_Thong_Tin_De_Dang\">4.3.3. L\u01b0u Tr\u1eef, Tra C\u1ee9u Th\u00f4ng Tin D\u1ec5 D\u00e0ng<\/a><\/li><\/ul><\/li><li><a href=\"#44_Cac_Hinh_Thuc_Bao_Mat_eKYC\">4.4. C\u00e1c H\u00ecnh Th\u1ee9c B\u1ea3o M\u1eadt eKYC<\/a><\/li><li><a href=\"#45_Quy_Trinh_Xac_Minh_eKYC\">4.5. Quy Tr\u00ecnh X\u00e1c Minh eKYC<\/a><ul><li><a href=\"#451_Khach_Hang_Dang_Ky_Thong_Tin\">4.5.1. Kh\u00e1ch H\u00e0ng \u0110\u0103ng K\u00fd Th\u00f4ng Tin<\/a><\/li><li><a href=\"#452_Xac_Minh_Thong_Tin\">4.5.2. X\u00e1c Minh Th\u00f4ng Tin<\/a><\/li><li><a href=\"#453_Xac_Thuc_Thong_Tin\">4.5.3. X\u00e1c Th\u1ef1c Th\u00f4ng Tin<\/a><\/li><li><a href=\"#454_Xac_Nhan\">4.5.4. X\u00e1c Nh\u1eadn<\/a><\/li><li><a href=\"#455_Khoi_Tao\">4.5.5. Kh\u1edfi T\u1ea1o<\/a><\/li><\/ul><\/li><li><a href=\"#46_Cong_Nghe_Duoc_Ung_Dung_Trong_Giai_Phap_eKYC\">4.6. C\u00f4ng Ngh\u1ec7 \u0110\u01b0\u1ee3c \u1ee8ng D\u1ee5ng Trong Gi\u1ea3i Ph\u00e1p eKYC<\/a><ul><li><a href=\"#461_Cong_nghe_OCR_Optical_Character_Recognition\">4.6.1. C\u00f4ng ngh\u1ec7 OCR (Optical Character Recognition)<\/a><\/li><li><a href=\"#462_Cong_nghe_Facematch\">4.6.2. C\u00f4ng ngh\u1ec7 Facematch<\/a><\/li><li><a href=\"#463_Cong_nghe_Liveness_Detection\">4.6.3. C\u00f4ng ngh\u1ec7 Liveness Detection<\/a><\/li><li><a href=\"#464_Cong_nghe_Fraud_Detection\">4.6.4. C\u00f4ng ngh\u1ec7 Fraud Detection<\/a><\/li><li><a href=\"#465_Cong_nghe_E-Signature_Chu_ky_dien_tu\">4.6.5. C\u00f4ng ngh\u1ec7 E-Signature (Ch\u1eef k\u00fd \u0111i\u1ec7n t\u1eed)<\/a><\/li><\/ul><\/li><\/ul><\/li><li><a href=\"#5_Quy_Dinh_Ve_eKYC_Tai_Viet_Nam\">5. Quy \u0110\u1ecbnh V\u1ec1 eKYC T\u1ea1i Vi\u1ec7t Nam<\/a><ul><li><a href=\"#51_Ngan_Hang_Thiet_Lap_Quy_Trinh_Va_Thu_Tuc_Cho_eKYC\">5.1. Ng\u00e2n H\u00e0ng Thi\u1ebft L\u1eadp Quy Tr\u00ecnh V\u00e0 Th\u1ee7 T\u1ee5c Cho eKYC<\/a><\/li><li><a href=\"#52_Cac_Yeu_Cau_Quy_Dinh_Phuong_Phap_eKYC\">5.2. C\u00e1c Y\u00eau C\u1ea7u Quy \u0110\u1ecbnh Ph\u01b0\u01a1ng Ph\u00e1p eKYC<\/a><\/li><li><a href=\"#53_Quy_Dinh_Ve_Tai_Khoan_Duoc_Mo_Bang_eKYC\">5.3. Quy \u0110\u1ecbnh V\u1ec1 T\u00e0i Kho\u1ea3n \u0110\u01b0\u1ee3c M\u1edf B\u1eb1ng eKYC<\/a><\/li><\/ul><\/li><\/ul><\/div>\n<h2><span id=\"1_Tim_Hieu_Ve_KYC\"><strong>1. T\u00ecm Hi\u1ec3u V\u1ec1 KYC<\/strong><\/span><\/h2>\n<p>\u0110\u1ea7u ti\u00ean, h\u00e3y c\u00f9ng JobsGO t\u00ecm hi\u1ec3u \u0111\u00f4i n\u00e9t v\u1ec1 KYC.<\/p>\n<h3><span id=\"11_KYC_La_Gi\"><strong>1.1. KYC L\u00e0 G\u00ec?<\/strong><\/span><\/h3>\n<blockquote id=\"x\u00e1c_minh_kyc\" cite=\"https:\/\/jobsgo.vn\/blog\/kyc-la-gi\/#ekyc_la_gi\"><p><a rel=\"nofollow\" href=\"https:\/\/en.wikipedia.org\/wiki\/Know_your_customer\"><strong>KYC l\u00e0 g\u00ec<\/strong><\/a>? KYC l\u00e0 vi\u1ebft t\u1eaft c\u1ee7a t\u1eeb ti\u1ebfng Anh &#8220;Know Your Customer&#8221;, trong ti\u1ebfng Vi\u1ec7t c\u00f3 ngh\u0129a l\u00e0 &#8220;th\u1ea5u hi\u1ec3u kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh&#8221;. \u0110\u00f3 l\u00e0 quy tr\u00ecnh l\u00e0 quy tr\u00ecnh c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh s\u1eed d\u1ee5ng \u0111\u1ec3 x\u00e1c minh danh t\u00ednh kh\u00e1ch h\u00e0ng nh\u1eb1m ng\u0103n ch\u1eb7n r\u1ee7i ro li\u00ean quan \u0111\u1ebfn gian l\u1eadn, r\u1eeda ti\u1ec1n, c\u00e1c ho\u1ea1t \u0111\u1ed9ng b\u1ea5t h\u1ee3p ph\u00e1p kh\u00e1c.<\/p><\/blockquote>\n<figure id=\"attachment_84102\" aria-describedby=\"caption-attachment-84102\" style=\"width: 800px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" class=\"wp-image-84102 size-full\" src=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-25.jpg\" alt=\"KYC l\u00e0 g\u00ec?\" width=\"800\" height=\"600\" srcset=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-25.jpg 800w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-25-300x225.jpg 300w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-25-150x113.jpg 150w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-25-768x576.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-84102\" class=\"wp-caption-text\"><center><em>KYC l\u00e0 g\u00ec?<\/em><center><\/center><\/center><\/figcaption><\/figure>\n<p>Quy tr\u00ecnh n\u00e0y th\u01b0\u1eddng bao g\u1ed3m vi\u1ec7c y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng cung c\u1ea5p c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh th\u00f4ng tin c\u00e1 nh\u00e2n, gi\u1ea5y t\u1edd t\u00f9y th\u00e2n v\u00e0 th\u1ef1c hi\u1ec7n ki\u1ec3m tra \u0111\u1ec3 x\u00e1c minh r\u1eb1ng c\u00e1c th\u00f4ng tin m\u00e0 kh\u00e1ch h\u00e0ng cung c\u1ea5p l\u00e0 ch\u00ednh x\u00e1c.<br \/>\nT\u1ea1i nhi\u1ec1u qu\u1ed1c gia, c\u00e1c t\u1ed5 ch\u1ee9c ph\u1ea3i tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh v\u1ec1 KYC do c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh (nh\u01b0 C\u1ee5c Ki\u1ec3m so\u00e1t T\u00e0i ch\u00ednh ho\u1eb7c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc) ban h\u00e0nh. C\u00e1c quy \u0111\u1ecbnh n\u00e0y c\u00f3 th\u1ec3 kh\u00e1c nhau t\u00f9y theo qu\u1ed1c gia v\u00e0 lo\u1ea1i h\u00ecnh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c.<\/p>\n<h3><span id=\"12_KYC_Trong_Dau_Tu\"><strong>1.2. KYC Trong \u0110\u1ea7u T\u01b0<\/strong><\/span><\/h3>\n<p>Trong l\u0129nh v\u1ef1c \u0111\u1ea7u t\u01b0, KYC l\u00e0 m\u1ed9t y\u00eau c\u1ea7u b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n, qu\u1ef9 \u0111\u1ea7u t\u01b0, c\u00f4ng ty ch\u1ee9ng kho\u00e1n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng h\u1ecd hi\u1ec3u r\u00f5 kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh, t\u1eeb \u0111\u00f3 c\u00f3 th\u1ec3 t\u01b0 v\u1ea5n, cung c\u1ea5p c\u00e1c s\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0 ph\u00f9 h\u1ee3p v\u1edbi m\u1ee9c \u0111\u1ed9 ch\u1ea5p nh\u1eadn r\u1ee7i ro c\u1ee7a t\u1eebng c\u00e1 nh\u00e2n. KYC c\u0169ng gi\u00fap c\u00e1c c\u00f4ng ty \u0111\u1ea7u t\u01b0 tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n, qu\u1ea3n l\u00fd t\u1ed1t h\u01a1n c\u00e1c r\u1ee7i ro t\u00e0i ch\u00ednh trong qu\u00e1 tr\u00ecnh giao d\u1ecbch.<\/p>\n<h3><span id=\"13_KYC_Trong_Cac_San_Giao_Dich_Tien_Ao\"><strong>1.3. KYC Trong C\u00e1c S\u00e0n Giao D\u1ecbch Ti\u1ec1n \u1ea2o<\/strong><\/span><\/h3>\n<p>KYC \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng tr\u00ean c\u00e1c s\u00e0n giao d\u1ecbch ti\u1ec1n \u1ea3o (cryptocurrency exchange) v\u00ec t\u00ednh \u1ea9n danh cao c\u1ee7a giao d\u1ecbch ti\u1ec1n m\u00e3 h\u00f3a c\u00f3 th\u1ec3 l\u00e0m t\u0103ng nguy c\u01a1 r\u1eeda ti\u1ec1n, gian l\u1eadn. C\u00e1c s\u00e0n giao d\u1ecbch y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng th\u1ef1c hi\u1ec7n KYC tr\u01b0\u1edbc khi h\u1ecd c\u00f3 th\u1ec3 tham gia v\u00e0o c\u00e1c ho\u1ea1t \u0111\u1ed9ng giao d\u1ecbch ho\u1eb7c r\u00fat ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n. Qu\u00e1 tr\u00ecnh n\u00e0y th\u01b0\u1eddng bao g\u1ed3m vi\u1ec7c cung c\u1ea5p gi\u1ea5y t\u1edd c\u00e1 nh\u00e2n, x\u00e1c th\u1ef1c khu\u00f4n m\u1eb7t\u2026 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o kh\u00e1ch h\u00e0ng th\u1ef1c s\u1ef1 l\u00e0 ng\u01b0\u1eddi \u0111ang th\u1ef1c hi\u1ec7n giao d\u1ecbch, t\u1eeb \u0111\u00f3 t\u0103ng t\u00ednh minh b\u1ea1ch, gi\u1ea3m thi\u1ec3u r\u1ee7i ro trong giao d\u1ecbch ti\u1ec1n \u1ea3o.<\/p>\n<h2><span id=\"2_Tam_Quan_Trong_Cua_KYC\"><strong>2. T\u1ea7m Quan Tr\u1ecdng C\u1ee7a KYC<\/strong><\/span><\/h2>\n<p>Vi\u1ec7c tu\u00e2n th\u1ee7 KYC l\u00e0 r\u1ea5t quan tr\u1ecdng. Quy tr\u00ecnh n\u00e0y gi\u00fap:<\/p>\n<h3><span id=\"21_Xac_Minh_Thong_Tin_Khach_Hang\"><strong>2.1. X\u00e1c Minh Th\u00f4ng Tin Kh\u00e1ch H\u00e0ng<\/strong><\/span><\/h3>\n<p>Trong quy tr\u00ecnh KYC, vi\u1ec7c x\u00e1c minh th\u00f4ng tin kh\u00e1ch h\u00e0ng \u0111\u00f3ng vai tr\u00f2 then ch\u1ed1t \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh x\u00e1c th\u1ef1c c\u1ee7a c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng tham gia giao d\u1ecbch t\u00e0i ch\u00ednh. \u0110i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1eb1ng c\u00e1ch thu th\u1eadp v\u00e0 ki\u1ec3m tra c\u00e1c gi\u1ea5y t\u1edd ph\u00e1p l\u00fd nh\u01b0 ch\u1ee9ng minh nh\u00e2n d\u00e2n, h\u1ed9 chi\u1ebfu, t\u00e0i li\u1ec7u t\u00e0i ch\u00ednh v\u00e0 \u0111\u1ecba ch\u1ec9 c\u01b0 tr\u00fa. Qua qu\u00e1 tr\u00ecnh n\u00e0y, t\u1ed5 ch\u1ee9c c\u00f3 th\u1ec3 n\u1eafm ch\u1eafc th\u00f4ng tin c\u00e1 nh\u00e2n, ph\u00f2ng ng\u1eeba t\u00ecnh tr\u1ea1ng khai b\u00e1o sai l\u1ec7ch ho\u1eb7c l\u1eeba \u0111\u1ea3o danh t\u00ednh. Vi\u1ec7c x\u00e1c th\u1ef1c th\u00f4ng tin c\u00f2n gi\u00fap x\u00e2y d\u1ef1ng s\u1ef1 tin c\u1eady v\u1edbi kh\u00e1ch h\u00e0ng, \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng m\u00e0 ng\u00e2n h\u00e0ng ho\u1eb7c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111ang ph\u1ee5c v\u1ee5 \u0111\u1ec1u c\u00f3 danh t\u00ednh r\u00f5 r\u00e0ng v\u00e0 h\u1ee3p ph\u00e1p, t\u1eeb \u0111\u00f3 n\u00e2ng cao t\u00ednh minh b\u1ea1ch trong ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh.<\/p>\n<h3><span id=\"22_Xac_Dinh_Nhung_Rui_Ro_Co_The_Xay_Ra_Lien_Quan_Toi_Khach_Hang\"><strong>2.2. X\u00e1c \u0110\u1ecbnh Nh\u1eefng R\u1ee7i Ro C\u00f3 Th\u1ec3 X\u1ea3y Ra Li\u00ean Quan T\u1edbi Kh\u00e1ch H\u00e0ng<\/strong><\/span><\/h3>\n<p>M\u1ed9t trong nh\u1eefng l\u1ee3i \u00edch quan tr\u1ecdng c\u1ee7a KYC l\u00e0 gi\u00fap t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh nh\u1eadn di\u1ec7n s\u1edbm c\u00e1c r\u1ee7i ro li\u00ean quan \u0111\u1ebfn kh\u00e1ch h\u00e0ng. Th\u00f4ng qua vi\u1ec7c ph\u00e2n t\u00edch h\u1ed3 s\u01a1 v\u00e0 l\u1ecbch s\u1eed t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng, KYC h\u1ed7 tr\u1ee3 \u0111\u00e1nh gi\u00e1 nguy c\u01a1 ti\u1ec1m \u1ea9n, nh\u01b0 m\u1ee9c \u0111\u1ed9 t\u00edn nhi\u1ec7m, nguy c\u01a1 tham gia v\u00e0o c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u00e1ng ng\u1edd ho\u1eb7c h\u00e0nh vi l\u1eeba \u0111\u1ea3o. C\u00e1c c\u00f4ng c\u1ee5 KYC c\u0169ng cho ph\u00e9p t\u1ed5 ch\u1ee9c ph\u00e2n lo\u1ea1i m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u1ee7a kh\u00e1ch h\u00e0ng, t\u1eeb \u0111\u00f3 \u0111i\u1ec1u ch\u1ec9nh c\u00e1c bi\u1ec7n ph\u00e1p ki\u1ec3m so\u00e1t v\u00e0 qu\u1ea3n l\u00fd ph\u00f9 h\u1ee3p. \u0110i\u1ec1u n\u00e0y gi\u00fap t\u1ed5 ch\u1ee9c v\u1eeba b\u1ea3o v\u1ec7 ngu\u1ed3n l\u1ef1c, v\u1eeba \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng r\u1ee7i ro cao \u0111\u01b0\u1ee3c theo d\u00f5i ch\u1eb7t ch\u1ebd, gi\u1ea3m thi\u1ec3u c\u00e1c t\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng kinh doanh.<\/p>\n<h3><span id=\"23_Tang_Muc_Do_An_Toan_Trong_Cac_Giao_Dich\"><strong>2.3. T\u0103ng M\u1ee9c \u0110\u1ed9 An To\u00e0n Trong C\u00e1c Giao D\u1ecbch<\/strong><\/span><\/h3>\n<p>KYC l\u00e0 l\u1edbp b\u1ea3o v\u1ec7 \u0111\u1ea7u ti\u00ean cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, gi\u00fap t\u0103ng c\u01b0\u1eddng m\u1ee9c \u0111\u1ed9 an to\u00e0n v\u00e0 h\u1ee3p ph\u00e1p cho c\u00e1c giao d\u1ecbch. Khi KYC \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n nghi\u00eam ng\u1eb7t, c\u00e1c r\u1ee7i ro v\u1ec1 r\u1eeda ti\u1ec1n, t\u00e0i tr\u1ee3 kh\u1ee7ng b\u1ed1 ho\u1eb7c c\u00e1c h\u00e0nh vi vi ph\u1ea1m ph\u00e1p lu\u1eadt kh\u00e1c \u0111\u01b0\u1ee3c h\u1ea1n ch\u1ebf t\u1ed1i \u0111a. V\u1edbi quy tr\u00ecnh KYC, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 x\u00e1c nh\u1eadn ngu\u1ed3n g\u1ed1c ti\u1ec1n g\u1eedi, ki\u1ec3m so\u00e1t c\u00e1c giao d\u1ecbch c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn v\u00e0 k\u1ecbp th\u1eddi b\u00e1o c\u00e1o c\u00e1c ho\u1ea1t \u0111\u1ed9ng kh\u1ea3 nghi. \u0110i\u1ec1u n\u00e0y kh\u00f4ng ch\u1ec9 b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng kh\u1ecfi c\u00e1c r\u1ee7i ro t\u00e0i ch\u00ednh m\u00e0 c\u00f2n t\u1ea1o ra m\u1ed9t m\u00f4i tr\u01b0\u1eddng giao d\u1ecbch an to\u00e0n, l\u00e0nh m\u1ea1nh, gi\u00fap duy tr\u00ec ni\u1ec1m tin c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 n\u00e2ng cao uy t\u00edn c\u1ee7a t\u1ed5 ch\u1ee9c trong th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh.<\/p>\n<h2><span id=\"3_Quy_Trinh_Xac_Minh_KYC_Dung_Chuan\"><strong>3. Quy Tr\u00ecnh X\u00e1c Minh KYC \u0110\u00fang Chu\u1ea9n<\/strong><\/span><\/h2>\n<p>\u0110\u1ec3 x\u00e1c minh KYC \u0111\u00fang chu\u1ea9n, b\u1ea1n c\u1ea7n n\u1eafm \u0111\u01b0\u1ee3c nh\u1eefng th\u00f4ng tin sau:<\/p>\n<h3><span id=\"31_Doi_Tuong_Can_Tuan_Thu_Yeu_Cau_Cua_KYC\"><strong>3.1. \u0110\u1ed1i T\u01b0\u1ee3ng C\u1ea7n Tu\u00e2n Th\u1ee7 Y\u00eau C\u1ea7u C\u1ee7a KYC<\/strong><\/span><\/h3>\n<p>KYC l\u00e0 th\u1ee7 t\u1ee5c quan tr\u1ecdng, g\u1ea7n nh\u01b0 b\u1eaft bu\u1ed9c v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u00e0 phi t\u00e0i ch\u00ednh. Nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng th\u01b0\u1eddng ph\u1ea3i tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh KYC bao g\u1ed3m:<\/p>\n<ul>\n<li aria-level=\"1\">C\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c duy tr\u00ec t\u00e0i kho\u1ea3n ho\u1eb7c c\u00f3 m\u1ed1i quan h\u1ec7 kinh doanh v\u1edbi doanh nghi\u1ec7p.<\/li>\n<li aria-level=\"1\">Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng c\u00e1c giao d\u1ecbch \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1edfi c\u00e1c ho\u1ea1t \u0111\u1ed9ng trung gian th\u01b0\u01a1ng m\u1ea1i nh\u01b0 ch\u1ee9ng kho\u00e1n, m\u00f4i gi\u1edbi b\u1ea3o hi\u1ec3m,&#8230;<\/li>\n<li aria-level=\"1\">C\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i b\u1edfi giao d\u1ecbch t\u00e0i ch\u00ednh.<\/li>\n<\/ul>\n<p>Trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, kh\u00e1ch h\u00e0ng c\u1ee7a KYC l\u00e0:<\/p>\n<ul>\n<li aria-level=\"1\">Kh\u00e1ch h\u00e0ng m\u1edf t\u00e0i kho\u1ea3n nh\u00e2n h\u00e0ng<\/li>\n<li aria-level=\"1\">Kh\u00e1ch h\u00e0ng m\u1edf th\u1ebb t\u00edn d\u1ee5ng<\/li>\n<li aria-level=\"1\">Kh\u00e1ch h\u00e0ng m\u1edf t\u00e0i kho\u1ea3n ch\u1ee9ng kho\u00e1n<\/li>\n<li aria-level=\"1\">Kh\u00e1ch h\u00e0ng \u0111\u0103ng k\u00fd mua b\u1ea3o hi\u1ec3m<\/li>\n<li aria-level=\"1\">v.v\u2026<\/li>\n<\/ul>\n<figure id=\"attachment_84103\" aria-describedby=\"caption-attachment-84103\" style=\"width: 800px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" class=\"wp-image-84103 size-full\" src=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-1-5.jpg\" alt=\"\u0110\u1ed1i t\u01b0\u1ee3ng c\u1ee7a KYC l\u00e0 g\u00ec?\" width=\"800\" height=\"600\" srcset=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-1-5.jpg 800w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-1-5-300x225.jpg 300w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-1-5-150x113.jpg 150w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-1-5-768x576.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-84103\" class=\"wp-caption-text\"><center><em>\u0110\u1ed1i t\u01b0\u1ee3ng c\u1ee7a KYC l\u00e0 g\u00ec?<\/em><center><\/center><\/center><\/figcaption><\/figure>\n<h3><span id=\"32_Tai_Lieu_Can_Thiet_Cho_Quy_Trinh_KYC\"><strong>3.2. T\u00e0i Li\u1ec7u C\u1ea7n Thi\u1ebft Cho Quy Tr\u00ecnh KYC<\/strong><\/span><\/h3>\n<p>Quy tr\u00ecnh KYC y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng cung c\u1ea5p c\u00e1c t\u00e0i li\u1ec7u x\u00e1c minh danh t\u00ednh, th\u00f4ng tin t\u00e0i ch\u00ednh \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh minh b\u1ea1ch, h\u1ee3p ph\u00e1p. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft th\u01b0\u1eddng g\u1eb7p trong quy tr\u00ecnh KYC:<\/p>\n<ul>\n<li aria-level=\"1\">Gi\u1ea5y t\u1edd x\u00e1c minh danh t\u00ednh: \u0110\u00e2y l\u00e0 t\u00e0i li\u1ec7u b\u1eaft bu\u1ed9c \u0111\u1ec3 x\u00e1c th\u1ef1c danh t\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng. C\u00e1c gi\u1ea5y t\u1edd th\u01b0\u1eddng bao g\u1ed3m ch\u1ee9ng minh nh\u00e2n d\u00e2n, c\u0103n c\u01b0\u1edbc c\u00f4ng d\u00e2n, h\u1ed9 chi\u1ebfu ho\u1eb7c gi\u1ea5y ph\u00e9p l\u00e1i xe. C\u00e1c t\u00e0i li\u1ec7u n\u00e0y c\u1ea7n ph\u1ea3i c\u00f2n hi\u1ec7u l\u1ef1c, r\u00f5 r\u00e0ng, gi\u00fap t\u1ed5 ch\u1ee9c x\u00e1c minh c\u00e1c th\u00f4ng tin c\u01a1 b\u1ea3n nh\u01b0 t\u00ean, ng\u00e0y sinh, qu\u1ed1c t\u1ecbch.<\/li>\n<li aria-level=\"1\">Gi\u1ea5y t\u1edd x\u00e1c minh \u0111\u1ecba ch\u1ec9: \u0110\u1ec3 x\u00e1c nh\u1eadn n\u01a1i c\u01b0 tr\u00fa, kh\u00e1ch h\u00e0ng c\u1ea7n cung c\u1ea5p c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh \u0111\u1ecba ch\u1ec9 nh\u01b0 h\u00f3a \u0111\u01a1n \u0111i\u1ec7n, n\u01b0\u1edbc, sao k\u00ea ng\u00e2n h\u00e0ng ho\u1eb7c h\u1ee3p \u0111\u1ed3ng thu\u00ea nh\u00e0. Nh\u1eefng t\u00e0i li\u1ec7u k\u1ec3 tr\u00ean ph\u1ea3i c\u00f3 t\u00ean c\u1ee7a kh\u00e1ch h\u00e0ng, \u0111\u1ecba ch\u1ec9 hi\u1ec7n t\u1ea1i, th\u01b0\u1eddng y\u00eau c\u1ea7u \u0111\u01b0\u1ee3c c\u1ea5p trong v\u00f2ng 3 &#8211; 6 th\u00e1ng g\u1ea7n nh\u1ea5t \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh ch\u00ednh x\u00e1c.<\/li>\n<li aria-level=\"1\">T\u00e0i li\u1ec7u x\u00e1c minh t\u00e0i ch\u00ednh: T\u00f9y v\u00e0o lo\u1ea1i h\u00ecnh d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh, t\u1ed5 ch\u1ee9c, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u cung c\u1ea5p c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh t\u00e0i ch\u00ednh nh\u01b0 b\u1ea3ng l\u01b0\u01a1ng, sao k\u00ea ng\u00e2n h\u00e0ng, h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng, gi\u1ea5y t\u1edd li\u00ean quan \u0111\u1ebfn ngu\u1ed3n g\u1ed1c thu nh\u1eadp. \u0110\u00e2y l\u00e0 c\u00e1c t\u00e0i li\u1ec7u h\u1ed7 tr\u1ee3 trong vi\u1ec7c \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh, \u0111\u1ed9 t\u00edn nhi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng.<\/li>\n<li aria-level=\"1\">Gi\u1ea5y t\u1edd ph\u00e1p l\u00fd b\u1ed5 sung (\u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p): N\u1ebfu kh\u00e1ch h\u00e0ng l\u00e0 doanh nghi\u1ec7p, quy tr\u00ecnh KYC c\u00f3 th\u1ec3 y\u00eau c\u1ea7u th\u00eam c\u00e1c gi\u1ea5y t\u1edd nh\u01b0 gi\u1ea5y \u0111\u0103ng k\u00fd kinh doanh, ch\u1ee9ng nh\u1eadn thu\u1ebf, danh s\u00e1ch c\u1ed5 \u0111\u00f4ng, b\u00e1o c\u00e1o t\u00e0i ch\u00ednh. C\u00e1c gi\u1ea5y t\u1edd \u0111\u00f3 s\u1ebd gi\u00fap x\u00e1c \u0111\u1ecbnh ch\u1ee7 s\u1edf h\u1eefu th\u1ef1c s\u1ef1 c\u1ee7a doanh nghi\u1ec7p, \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng h\u1ee3p ph\u00e1p.<\/li>\n<\/ul>\n<h3><span id=\"33_Quy_Trinh_Xac_Minh_KYC_Thanh_Cong\"><strong>3.3. Quy Tr\u00ecnh X\u00e1c Minh KYC Th\u00e0nh C\u00f4ng<\/strong><\/span><\/h3>\n<p><strong>KYC check<\/strong> <strong>hay quy tr\u00ecnh x\u00e1c minh KYC<\/strong> c\u00f3 th\u1ec3 kh\u00e1c nhau t\u00f9y theo t\u1ed5 ch\u1ee9c v\u00e0 qu\u1ed1c gia, nh\u01b0ng th\u00f4ng th\u01b0\u1eddng s\u1ebd bao g\u1ed3m c\u00e1c b\u01b0\u1edbc sau:<\/p>\n<h4><span id=\"311_Buoc_1_Thu_Thap_Thong_Tin_Khach_Hang\"><strong>3.1.1. B\u01b0\u1edbc 1: Thu Th\u1eadp Th\u00f4ng Tin Kh\u00e1ch H\u00e0ng<\/strong><\/span><\/h4>\n<p>\u0110\u00e2y l\u00e0 b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean, quan tr\u1ecdng trong quy tr\u00ecnh KYC nh\u1eb1m thu th\u1eadp th\u00f4ng tin c\u01a1 b\u1ea3n v\u1ec1 kh\u00e1ch h\u00e0ng nh\u01b0 t\u00ean, \u0111\u1ecba ch\u1ec9, ng\u00e0y sinh, ngh\u1ec1 nghi\u1ec7p. Th\u00f4ng tin n\u00e0y gi\u00fap x\u00e2y d\u1ef1ng h\u1ed3 s\u01a1 s\u01a1 b\u1ed9 c\u1ee7a kh\u00e1ch h\u00e0ng, ph\u1ee5c v\u1ee5 cho c\u00e1c b\u01b0\u1edbc x\u00e1c minh ti\u1ebfp theo. Th\u00f4ng th\u01b0\u1eddng, c\u00e1c t\u1ed5 ch\u1ee9c y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng cung c\u1ea5p th\u00f4ng tin qua m\u1eabu \u0111\u01a1n \u0111\u0103ng k\u00fd ho\u1eb7c t\u00e0i li\u1ec7u k\u00ea khai, \u0111\u1ed3ng th\u1eddi thi\u1ebft l\u1eadp h\u1ed3 s\u01a1 \u0111i\u1ec7n t\u1eed \u0111\u1ec3 ti\u1ec7n cho vi\u1ec7c l\u01b0u tr\u1eef, tra c\u1ee9u.<\/p>\n<h4><span id=\"332_Buoc_2_Thu_Thap_Ho_So_Dinh_Danh_Tham_Dinh_Thong_Tin\"><strong>3.3.2. B\u01b0\u1edbc 2: Thu Th\u1eadp H\u1ed3 S\u01a1 \u0110\u1ecbnh Danh, Th\u1ea9m \u0110\u1ecbnh Th\u00f4ng Tin<\/strong><\/span><\/h4>\n<p>Sau khi \u0111\u00e3 c\u00f3 th\u00f4ng tin s\u01a1 b\u1ed9, t\u1ed5 ch\u1ee9c y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng cung c\u1ea5p c\u00e1c gi\u1ea5y t\u1edd \u0111\u1ecbnh danh ch\u00ednh th\u1ee9c nh\u01b0 ch\u1ee9ng minh nh\u00e2n d\u00e2n, h\u1ed9 chi\u1ebfu, gi\u1ea5y ph\u00e9p l\u00e1i xe c\u00f9ng c\u00e1c gi\u1ea5y t\u1edd ch\u1ee9ng minh \u0111\u1ecba ch\u1ec9 (h\u00f3a \u0111\u01a1n \u0111i\u1ec7n n\u01b0\u1edbc, sao k\u00ea ng\u00e2n h\u00e0ng). \u0110\u00e2y l\u00e0 b\u01b0\u1edbc th\u1ea9m \u0111\u1ecbnh quan tr\u1ecdng gi\u00fap x\u00e1c minh t\u00ednh ch\u00ednh x\u00e1c, h\u1ee3p ph\u00e1p c\u1ee7a th\u00f4ng tin kh\u00e1ch h\u00e0ng. T\u1ed5 ch\u1ee9c s\u1ebd ki\u1ec3m tra t\u00ednh x\u00e1c th\u1ef1c c\u1ee7a c\u00e1c t\u00e0i li\u1ec7u n\u00e0y qua quy tr\u00ecnh n\u1ed9i b\u1ed9 ho\u1eb7c \u0111\u1ed1i chi\u1ebfu v\u1edbi c\u01a1 s\u1edf d\u1eef li\u1ec7u \u0111\u00e1ng tin c\u1eady. N\u1ebfu c\u00e1c t\u00e0i li\u1ec7u h\u1ee3p l\u1ec7, \u0111\u1ea7y \u0111\u1ee7, t\u1ed5 ch\u1ee9c s\u1ebd chuy\u1ec3n sang b\u01b0\u1edbc ti\u1ebfp theo c\u1ee7a quy tr\u00ecnh KYC.<\/p>\n<h4><span id=\"333_Buoc_3_Danh_Gia_Rui_Ro\"><strong>3.3.3. B\u01b0\u1edbc 3: \u0110\u00e1nh Gi\u00e1 R\u1ee7i Ro<\/strong><\/span><\/h4>\n<p>Khi th\u00f4ng tin kh\u00e1ch h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ea9m \u0111\u1ecbnh, b\u01b0\u1edbc ti\u1ebfp theo trong quy tr\u00ecnh KYC l\u00e0 \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u1ee7a kh\u00e1ch h\u00e0ng. T\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh s\u1ebd ph\u00e2n lo\u1ea1i r\u1ee7i ro d\u1ef1a tr\u00ean nhi\u1ec1u y\u1ebfu t\u1ed1 nh\u01b0 qu\u1ed1c gia c\u01b0 tr\u00fa, ngh\u1ec1 nghi\u1ec7p, m\u1ee9c \u0111\u1ed9 giao d\u1ecbch, l\u1ecbch s\u1eed t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng. M\u1ee9c \u0111\u1ed9 r\u1ee7i ro s\u1ebd \u0111\u01b0\u1ee3c ph\u00e2n chia th\u00e0nh c\u00e1c c\u1ea5p \u0111\u1ed9 t\u1eeb th\u1ea5p \u0111\u1ebfn cao \u0111\u1ec3 t\u1ed5 ch\u1ee9c c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p qu\u1ea3n l\u00fd ph\u00f9 h\u1ee3p. \u0110\u1ed1i v\u1edbi c\u00e1c kh\u00e1ch h\u00e0ng c\u00f3 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro cao, t\u1ed5 ch\u1ee9c c\u00f3 th\u1ec3 y\u00eau c\u1ea7u theo d\u00f5i s\u00e1t sao h\u01a1n, ki\u1ec3m so\u00e1t nghi\u00eam ng\u1eb7t c\u00e1c giao d\u1ecbch. Vi\u1ec7c \u0111\u00e1nh gi\u00e1 r\u1ee7i ro gi\u00fap t\u1ed5 ch\u1ee9c qu\u1ea3n l\u00fd t\u1ed1t h\u01a1n c\u00e1c r\u1ee7i ro ti\u1ec1m \u1ea9n t\u1eeb c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng c\u00f3 th\u1ec3 li\u00ean quan \u0111\u1ebfn r\u1eeda ti\u1ec1n ho\u1eb7c t\u00e0i tr\u1ee3 kh\u1ee7ng b\u1ed1.<\/p>\n<h4><span id=\"334_Buoc_4_Luu_Lai_Thong_Tin\"><strong>3.3.4. B\u01b0\u1edbc 4: L\u01b0u L\u1ea1i Th\u00f4ng Tin<\/strong><\/span><\/h4>\n<p>Sau khi ho\u00e0n t\u1ea5t quy tr\u00ecnh x\u00e1c minh, \u0111\u00e1nh gi\u00e1 r\u1ee7i ro, to\u00e0n b\u1ed9 th\u00f4ng tin v\u1ec1 kh\u00e1ch h\u00e0ng, bao g\u1ed3m c\u00e1c t\u00e0i li\u1ec7u \u0111\u1ecbnh danh, \u0111\u00e1nh gi\u00e1 r\u1ee7i ro s\u1ebd \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef trong h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd d\u1eef li\u1ec7u c\u1ee7a t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh. Vi\u1ec7c l\u01b0u tr\u1eef nh\u01b0 v\u1eady \u0111\u1ea3m b\u1ea3o r\u1eb1ng th\u00f4ng tin kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c tra c\u1ee9u nhanh ch\u00f3ng trong c\u00e1c l\u1ea7n giao d\u1ecbch sau, gi\u00fap t\u1ed5 ch\u1ee9c tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 qu\u1ea3n l\u00fd d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng. Quy tr\u00ecnh n\u00e0y c\u00f2n gi\u00fap t\u1ed5 ch\u1ee9c d\u1ec5 d\u00e0ng cung c\u1ea5p th\u00f4ng tin n\u1ebfu c\u00f3 y\u00eau c\u1ea7u t\u1eeb c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd, b\u1ea3o \u0111\u1ea3m t\u00ednh minh b\u1ea1ch trong c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh.<\/p>\n<figure id=\"attachment_84104\" aria-describedby=\"caption-attachment-84104\" style=\"width: 800px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" class=\"wp-image-84104 size-full\" src=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-2-4.jpg\" alt=\"Quy tr\u00ecnh x\u00e1c minh KYC c\u00f3 th\u1ec3 kh\u00e1c nhau t\u00f9y theo doanh nghi\u1ec7p v\u00e0 l\u0129nh v\u1ef1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p\" width=\"800\" height=\"600\" srcset=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-2-4.jpg 800w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-2-4-300x225.jpg 300w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-2-4-150x113.jpg 150w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-2-4-768x576.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-84104\" class=\"wp-caption-text\"><center><em>Quy tr\u00ecnh x\u00e1c minh KYC c\u00f3 th\u1ec3 kh\u00e1c nhau t\u00f9y theo doanh nghi\u1ec7p v\u00e0 l\u0129nh v\u1ef1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p<\/em><center><\/center><\/center><\/figcaption><\/figure>\n<h2><span id=\"4_Tim_hieu_ve_eKYC\"><strong>4. T\u00ecm hi\u1ec3u v\u1ec1 eKYC<\/strong><\/span><\/h2>\n<p>Trong n\u1ed9i dung d\u01b0\u1edbi \u0111\u00e2y, JobsGO s\u1ebd chia s\u1ebb v\u1edbi b\u1ea1n v\u1ec1 \u0111\u00f4i n\u00e9t eKYC:<\/p>\n<h3><span id=\"41_eKYC_La_Gi\"><strong>4.1. eKYC L\u00e0 G\u00ec?<\/strong><\/span><\/h3>\n<p><strong>eKYC l\u00e0 g\u00ec<\/strong>? eKYC l\u00e0 vi\u1ebft t\u1eaft c\u1ee7a &#8220;Electronic Know Your Customer&#8221; ho\u1eb7c &#8220;Electronic Know Your Client&#8221;, \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 m\u00f4 t\u1ea3 quy tr\u00ecnh x\u00e1c minh th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng th\u00f4ng qua c\u00f4ng ngh\u1ec7 \u0111i\u1ec7n t\u1eed. eKYC cho ph\u00e9p kh\u00e1ch h\u00e0ng cung c\u1ea5p v\u00e0 ch\u1ee9ng minh th\u00f4ng tin c\u1ee7a h\u1ecd th\u00f4ng qua c\u00e1c c\u00f4ng c\u1ee5 \u0111i\u1ec7n t\u1eed nh\u01b0 \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng ho\u1eb7c m\u00e1y t\u00ednh.<\/p>\n<p>eKYC c\u00f3 th\u1ec3 gi\u00fap gi\u1ea3m th\u1eddi gian v\u00e0 chi ph\u00ed li\u00ean quan \u0111\u1ebfn quy tr\u00ecnh x\u00e1c minh th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng so v\u1edbi quy tr\u00ecnh truy\u1ec1n th\u1ed1ng. \u0110i\u1ec1u n\u00e0y c\u0169ng gi\u00fap cho vi\u1ec7c giao d\u1ecbch v\u1edbi kh\u00e1ch h\u00e0ng tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n v\u00e0 thu\u1eadn ti\u1ec7n h\u01a1n. Tuy nhi\u00ean, eKYC c\u0169ng c\u00f3 th\u1ec3 c\u00f3 m\u1ed9t s\u1ed1 r\u1ee7i ro v\u1ec1 an to\u00e0n, r\u1ee7i ro li\u00ean quan \u0111\u1ebfn b\u1ea3o m\u1eadt v\u00e0 qu\u1ea3n l\u00fd th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng. V\u00ec th\u1ebf c\u00e1c quy tr\u00ecnh, ti\u00eau chu\u1ea9n \u0111\u1ea3m b\u1ea3o an to\u00e0n th\u00f4ng tin v\u00e0 b\u1ea3o m\u1eadt c\u1ea7n \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp v\u00e0 th\u1ef1c hi\u1ec7n.<\/p>\n<figure id=\"attachment_84105\" aria-describedby=\"caption-attachment-84105\" style=\"width: 800px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" class=\"wp-image-84105 size-full\" src=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-3-5.jpg\" alt=\"eKYC l\u00e0 g\u00ec?\" width=\"800\" height=\"600\" srcset=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-3-5.jpg 800w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-3-5-300x225.jpg 300w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-3-5-150x113.jpg 150w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-3-5-768x576.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-84105\" class=\"wp-caption-text\"><center><em>eKYC l\u00e0 g\u00ec?<\/em><center><\/center><\/center><\/figcaption><\/figure>\n<h3><span id=\"42_eKYC_Khac_Gi_Voi_KYC\"><strong>4.2. eKYC Kh\u00e1c G\u00ec V\u1edbi KYC<\/strong><\/span><\/h3>\n<p>KYC v\u00e0 eKYC c\u00f3 m\u1ed9t s\u1ed1 kh\u00e1c bi\u1ec7t ch\u00ednh nh\u01b0 sau:<\/p>\n<table>\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><strong>Ti\u00eau ch\u00ed<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>KYC<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>eKYC<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">Quy tr\u00ecnh<\/td>\n<td style=\"text-align: left;\">Th\u1ef1c hi\u1ec7n tr\u1ef1c ti\u1ebfp, y\u00eau c\u1ea7u g\u1eb7p m\u1eb7t v\u00e0 n\u1ed9p t\u00e0i li\u1ec7u b\u1ea3n c\u1ee9ng<\/td>\n<td style=\"text-align: left;\">Th\u1ef1c hi\u1ec7n ho\u00e0n to\u00e0n tr\u1ef1c tuy\u1ebfn, kh\u00f4ng c\u1ea7n g\u1eb7p m\u1eb7t<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">Th\u1eddi gian x\u00e1c minh<\/td>\n<td style=\"text-align: left;\">Th\u01b0\u1eddng m\u1ea5t v\u00e0i ng\u00e0y \u0111\u1ebfn v\u00e0i tu\u1ea7n<\/td>\n<td style=\"text-align: left;\">X\u00e1c minh nhanh ch\u00f3ng, c\u00f3 th\u1ec3 trong v\u00e0i ph\u00fat ho\u1eb7c v\u00e0i gi\u1edd<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">Chi ph\u00ed<\/td>\n<td style=\"text-align: left;\">Chi ph\u00ed cao do quy tr\u00ecnh th\u1ee7 c\u00f4ng v\u00e0 c\u1ea7n nhi\u1ec1u t\u00e0i nguy\u00ean nh\u00e2n l\u1ef1c<\/td>\n<td style=\"text-align: left;\">Chi ph\u00ed th\u1ea5p h\u01a1n do t\u1ef1 \u0111\u1ed9ng h\u00f3a<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">T\u00e0i li\u1ec7u y\u00eau c\u1ea7u<\/td>\n<td style=\"text-align: left;\">B\u1ea3n c\u1ee9ng c\u1ee7a c\u00e1c t\u00e0i li\u1ec7u nh\u01b0 CCCD, h\u1ed9 chi\u1ebfu, gi\u1ea5y t\u1edd li\u00ean quan<\/td>\n<td style=\"text-align: left;\">T\u00e0i li\u1ec7u s\u1ed1 h\u00f3a (ch\u1ee5p \u1ea3nh, t\u1ea3i l\u00ean)<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">Ph\u01b0\u01a1ng th\u1ee9c x\u00e1c minh<\/td>\n<td style=\"text-align: left;\">X\u00e1c minh th\u1ee7 c\u00f4ng qua m\u1eaft ng\u01b0\u1eddi<\/td>\n<td style=\"text-align: left;\">X\u00e1c minh t\u1ef1 \u0111\u1ed9ng qua nh\u1eadn di\u1ec7n khu\u00f4n m\u1eb7t, sinh tr\u1eafc h\u1ecdc<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">\u0110\u1ed9 ch\u00ednh x\u00e1c<\/td>\n<td style=\"text-align: left;\">Ph\u1ee5 thu\u1ed9c v\u00e0o \u0111\u1ed9 ch\u00ednh x\u00e1c c\u1ee7a nh\u00e2n vi\u00ean th\u1ea9m \u0111\u1ecbnh<\/td>\n<td style=\"text-align: left;\">Ch\u00ednh x\u00e1c h\u01a1n nh\u1edd c\u00f4ng ngh\u1ec7 AI v\u00e0 nh\u1eadn di\u1ec7n th\u00f4ng minh<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">Ti\u1ec7n \u00edch cho kh\u00e1ch h\u00e0ng<\/td>\n<td style=\"text-align: left;\">H\u1ea1n ch\u1ebf, kh\u00e1ch h\u00e0ng ph\u1ea3i \u0111\u1ebfn \u0111\u1ecba \u0111i\u1ec3m ho\u1eb7c g\u1eedi t\u00e0i li\u1ec7u b\u1ea3n c\u1ee9ng<\/td>\n<td style=\"text-align: left;\">Thu\u1eadn ti\u1ec7n, kh\u00e1ch h\u00e0ng ch\u1ec9 c\u1ea7n th\u1ef1c hi\u1ec7n qua \u1ee9ng d\u1ee5ng ho\u1eb7c web<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\">Ph\u1ea1m vi s\u1eed d\u1ee5ng<\/td>\n<td style=\"text-align: left;\">Ch\u1ee7 y\u1ebfu trong c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng<\/td>\n<td style=\"text-align: left;\">Ph\u1ed5 bi\u1ebfn trong c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u00f4ng ngh\u1ec7 s\u1ed1 v\u00e0 fintech<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span id=\"43_Uu_Diem_Cua_eKYC\"><strong>4.3. \u01afu \u0110i\u1ec3m C\u1ee7a eKYC<\/strong><\/span><\/h3>\n<p>eKYC c\u00f3 nhi\u1ec1u \u01b0u \u0111i\u1ec3m so v\u1edbi <strong>quy tr\u00ecnh KYC<\/strong> truy\u1ec1n th\u1ed1ng bao g\u1ed3m:<\/p>\n<h4><span id=\"431_Tiet_Kiem_Thoi_Gian_Va_Chi_Phi\"><strong>4.3.1. Ti\u1ebft Ki\u1ec7m Th\u1eddi Gian V\u00e0 Chi Ph\u00ed<\/strong><\/span><\/h4>\n<p>V\u1edbi eKYC, quy tr\u00ecnh x\u00e1c minh danh t\u00ednh kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng h\u00f3a, s\u1ed1 h\u00f3a ho\u00e0n to\u00e0n gi\u00fap ti\u1ebft ki\u1ec7m th\u1eddi gian \u0111\u00e1ng k\u1ec3 so v\u1edbi quy tr\u00ecnh KYC truy\u1ec1n th\u1ed1ng. Nh\u1edd c\u00e1c c\u00f4ng ngh\u1ec7 nh\u1eadn di\u1ec7n khu\u00f4n m\u1eb7t, tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o, eKYC cho ph\u00e9p x\u00e1c minh danh t\u00ednh ch\u1ec9 trong v\u00e0i ph\u00fat ho\u1eb7c v\u00e0i gi\u1edd. \u0110i\u1ec1u n\u00e0y kh\u00f4ng ch\u1ec9 gi\u00fap t\u1ed5 ch\u1ee9c ti\u1ebft ki\u1ec7m chi ph\u00ed cho nh\u00e2n l\u1ef1c, v\u0103n ph\u00f2ng, m\u00e0 c\u00f2n r\u00fat ng\u1eafn th\u1eddi gian x\u1eed l\u00fd cho kh\u00e1ch h\u00e0ng, t\u1ea1o ra tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng nhanh ch\u00f3ng, hi\u1ec7u qu\u1ea3.<\/p>\n<h4><span id=\"432_Thuan_Tien_Va_De_Dang_Hon\"><strong>4.3.2. Thu\u1eadn Ti\u1ec7n V\u00e0 D\u1ec5 D\u00e0ng H\u01a1n<\/strong><\/span><\/h4>\n<p>eKYC mang l\u1ea1i s\u1ef1 thu\u1eadn ti\u1ec7n cho kh\u00e1ch h\u00e0ng khi cho ph\u00e9p h\u1ecd th\u1ef1c hi\u1ec7n x\u00e1c minh danh t\u00ednh t\u1eeb xa th\u00f4ng qua \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng ho\u1eb7c trang web, kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u1ebfn tr\u1ef1c ti\u1ebfp chi nh\u00e1nh, \u0111\u1ecba \u0111i\u1ec3m giao d\u1ecbch. Kh\u00e1ch h\u00e0ng ch\u1ec9 c\u1ea7n cung c\u1ea5p c\u00e1c t\u00e0i li\u1ec7u \u0111\u1ecbnh danh, h\u00ecnh \u1ea3nh tr\u1ef1c tuy\u1ebfn, t\u1ea1o ra quy tr\u00ecnh d\u1ec5 d\u00e0ng, linh ho\u1ea1t, ph\u00f9 h\u1ee3p v\u1edbi l\u1ed1i s\u1ed1ng hi\u1ec7n \u0111\u1ea1i. S\u1ef1 ti\u1ec7n l\u1ee3i nh\u01b0 v\u1eady c\u0169ng gi\u00fap doanh nghi\u1ec7p thu h\u00fat nhi\u1ec1u kh\u00e1ch h\u00e0ng h\u01a1n, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u00f3m kh\u00e1ch h\u00e0ng tr\u1ebb y\u00eau th\u00edch c\u00f4ng ngh\u1ec7.<\/p>\n<h4><span id=\"433_Luu_Tru_Tra_Cuu_Thong_Tin_De_Dang\"><strong>4.3.3. L\u01b0u Tr\u1eef, Tra C\u1ee9u Th\u00f4ng Tin D\u1ec5 D\u00e0ng<\/strong><\/span><\/h4>\n<p>Th\u00f4ng tin, t\u00e0i li\u1ec7u thu th\u1eadp t\u1eeb quy tr\u00ecnh eKYC \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef d\u01b0\u1edbi d\u1ea1ng d\u1eef li\u1ec7u s\u1ed1 trong c\u00e1c h\u1ec7 th\u1ed1ng b\u1ea3o m\u1eadt cao. Nh\u01b0 v\u1eady, t\u1ed5 ch\u1ee9c c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng truy c\u1eadp, tra c\u1ee9u khi c\u1ea7n thi\u1ebft, \u0111\u1ed3ng th\u1eddi gi\u1ea3m thi\u1ec3u r\u1ee7i ro m\u1ea5t m\u00e1t ho\u1eb7c h\u01b0 h\u1ecfng t\u00e0i li\u1ec7u nh\u01b0 trong KYC truy\u1ec1n th\u1ed1ng. Vi\u1ec7c l\u01b0u tr\u1eef th\u00f4ng tin s\u1ed1 h\u00f3a c\u00f2n gi\u00fap c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh duy tr\u00ec tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh ph\u00e1p l\u00fd, b\u1ea3o \u0111\u1ea3m t\u00ednh minh b\u1ea1ch, b\u1ea3o m\u1eadt th\u00f4ng tin kh\u00e1ch h\u00e0ng.<\/p>\n<figure id=\"attachment_84106\" aria-describedby=\"caption-attachment-84106\" style=\"width: 800px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" class=\"wp-image-84106 size-full\" src=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-4-4.jpg\" alt=\"C\u00f4ng ngh\u1ec7 eKYC gi\u00fap vi\u1ec7c x\u00e1c th\u1ef1c th\u00f4ng tin tr\u1edf n\u00ean nhanh ch\u00f3ng, ti\u1ebft ki\u1ec7m\" width=\"800\" height=\"600\" srcset=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-4-4.jpg 800w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-4-4-300x225.jpg 300w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-4-4-150x113.jpg 150w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-4-4-768x576.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-84106\" class=\"wp-caption-text\"><center><em>C\u00f4ng ngh\u1ec7 eKYC gi\u00fap vi\u1ec7c x\u00e1c th\u1ef1c th\u00f4ng tin tr\u1edf n\u00ean nhanh ch\u00f3ng, ti\u1ebft ki\u1ec7m<\/em><center><\/center><\/center><\/figcaption><\/figure>\n<h3><span id=\"44_Cac_Hinh_Thuc_Bao_Mat_eKYC\"><strong>4.4. C\u00e1c H\u00ecnh Th\u1ee9c B\u1ea3o M\u1eadt eKYC<\/strong><\/span><\/h3>\n<p>C\u00f3 nhi\u1ec1u h\u00ecnh th\u1ee9c b\u1ea3o m\u1eadt eKYC kh\u00e1c nhau \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 b\u1ea3o v\u1ec7 th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro b\u1ecb l\u1ee3i d\u1ee5ng. M\u1ed9t s\u1ed1 h\u00ecnh th\u1ee9c b\u1ea3o m\u1eadt eKYC ph\u1ed5 bi\u1ebfn bao g\u1ed3m:<\/p>\n<ul>\n<li aria-level=\"1\">S\u1eed d\u1ee5ng t\u00ean \u0111\u0103ng nh\u1eadp &amp; m\u1eadt kh\u1ea9u: H\u00ecnh th\u1ee9c eKYC ph\u1ed5 bi\u1ebfn v\u00e0 \u0111\u01a1n gi\u1ea3n nh\u1ea5t hi\u1ec7n nay.<\/li>\n<li aria-level=\"1\">S\u1eed d\u1ee5ng m\u00e3 OTP: OTP (One-Time Password) l\u00e0 m\u1ed9t d\u00e3y k\u00fd t\u1ef1 ho\u1eb7c s\u1ed1 \u0111\u1ec3 x\u00e1c th\u1ef1c m\u1ed9t y\u00eau c\u1ea7u ho\u1eb7c giao d\u1ecbch nh\u1ea5t \u0111\u1ecbnh.<\/li>\n<li aria-level=\"1\">S\u1eed d\u1ee5ng d\u1ea5u v\u00e2n tay: X\u00e1c minh danh t\u00ednh kh\u00e1ch h\u00e0ng qua d\u1ea5u v\u00e2n tay.<\/li>\n<li aria-level=\"1\">S\u1eed d\u1ee5ng Face ID: X\u00e1c minh danh t\u00ednh kh\u00e1ch h\u00e0ng b\u1eb1ng c\u00e1ch nh\u1eadn di\u1ec7n khu\u00f4n m\u1eb7t.<\/li>\n<li aria-level=\"1\">X\u00e1c th\u1ef1c hai y\u1ebfu t\u1ed1 (2FA): Y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng x\u00e1c th\u1ef1c th\u00f4ng qua hai y\u1ebfu t\u1ed1 kh\u00e1c nhau, ch\u1eb3ng h\u1ea1n nh\u01b0 m\u1eadt kh\u1ea9u v\u00e0 m\u00e3 x\u00e1c th\u1ef1c qua \u0111i\u1ec7n tho\u1ea1i.<\/li>\n<li aria-level=\"1\">X\u00e1c th\u1ef1c ch\u1eef k\u00fd s\u1ed1: S\u1eed d\u1ee5ng ch\u1eef k\u00fd s\u1ed1 \u0111\u1ec3 x\u00e1c th\u1ef1c th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng, gi\u00fap cho vi\u1ec7c qu\u1ea3n l\u00fd v\u00e0 x\u00e1c minh th\u00f4ng tin tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n.<\/li>\n<li aria-level=\"1\">X\u00e1c minh gi\u1ea5y t\u1edd: S\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 nh\u1eadn d\u1ea1ng gi\u1ea5y t\u1edd v\u00e0 ch\u1ee5p \u1ea3nh \u0111\u1ec3 x\u00e1c minh th\u00f4ng tin kh\u00e1ch h\u00e0ng.<\/li>\n<\/ul>\n<h3><span id=\"45_Quy_Trinh_Xac_Minh_eKYC\"><strong>4.5. Quy Tr\u00ecnh X\u00e1c Minh eKYC<\/strong><\/span><\/h3>\n<p>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 ph\u00e2n t\u00edch chi ti\u1ebft v\u1ec1 quy tr\u00ecnh x\u00e1c minh eKYC<\/p>\n<h4><span id=\"451_Khach_Hang_Dang_Ky_Thong_Tin\"><strong>4.5.1. Kh\u00e1ch H\u00e0ng \u0110\u0103ng K\u00fd Th\u00f4ng Tin<\/strong><\/span><\/h4>\n<p>Quy tr\u00ecnh eKYC b\u1eaft \u0111\u1ea7u khi kh\u00e1ch h\u00e0ng \u0111\u0103ng k\u00fd th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a m\u00ecnh qua \u1ee9ng d\u1ee5ng ho\u1eb7c trang web. Trong b\u01b0\u1edbc n\u00e0y, kh\u00e1ch h\u00e0ng c\u1ea7n cung c\u1ea5p c\u00e1c th\u00f4ng tin c\u01a1 b\u1ea3n nh\u01b0 h\u1ecd t\u00ean, \u0111\u1ecba ch\u1ec9, s\u1ed1 \u0111i\u1ec7n tho\u1ea1i, email. B\u00ean c\u1ea1nh \u0111\u00f3, kh\u00e1ch h\u00e0ng c\u0169ng ph\u1ea3i t\u1ea3i l\u00ean c\u00e1c t\u00e0i li\u1ec7u \u0111\u1ecbnh danh nh\u01b0 ch\u1ee9ng minh nh\u00e2n d\u00e2n, h\u1ed9 chi\u1ebfu ho\u1eb7c gi\u1ea5y ph\u00e9p l\u00e1i xe. Vi\u1ec7c \u0111\u0103ng k\u00fd th\u00f4ng tin ph\u1ea3i \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c, \u0111\u1ea7y \u0111\u1ee7 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o quy tr\u00ecnh x\u00e1c minh di\u1ec5n ra su\u00f4n s\u1ebb.<\/p>\n<h4><span id=\"452_Xac_Minh_Thong_Tin\"><strong>4.5.2. X\u00e1c Minh Th\u00f4ng Tin<\/strong><\/span><\/h4>\n<p>Sau khi kh\u00e1ch h\u00e0ng \u0111\u0103ng k\u00fd, h\u1ec7 th\u1ed1ng s\u1ebd ti\u1ebfn h\u00e0nh x\u00e1c minh th\u00f4ng tin \u0111\u00e3 cung c\u1ea5p. N\u00f3 bao g\u1ed3m vi\u1ec7c ki\u1ec3m tra t\u00ednh h\u1ee3p l\u1ec7 c\u1ee7a c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c t\u1ea3i l\u00ean, \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00e1c th\u00f4ng tin nh\u01b0 t\u00ean, ng\u00e0y sinh, s\u1ed1 ID kh\u1edbp nhau. C\u00e1c c\u00f4ng ngh\u1ec7 t\u1ef1 \u0111\u1ed9ng tr\u00edch xu\u1ea5t c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 so s\u00e1nh d\u1eef li\u1ec7u t\u1eeb t\u00e0i li\u1ec7u v\u1edbi th\u00f4ng tin \u0111\u00e3 nh\u1eadp. B\u01b0\u1edbc x\u00e1c minh s\u1ebd gi\u00fap lo\u1ea1i b\u1ecf nh\u1eefng th\u00f4ng tin kh\u00f4ng ch\u00ednh x\u00e1c ho\u1eb7c kh\u00f4ng h\u1ee3p l\u1ec7 tr\u01b0\u1edbc khi ti\u1ebfn h\u00e0nh x\u00e1c th\u1ef1c.<\/p>\n<h4><span id=\"453_Xac_Thuc_Thong_Tin\"><strong>4.5.3. X\u00e1c Th\u1ef1c Th\u00f4ng Tin<\/strong><\/span><\/h4>\n<p>Trong b\u01b0\u1edbc x\u00e1c th\u1ef1c, h\u1ec7 th\u1ed1ng s\u1ebd so s\u00e1nh th\u00f4ng tin \u0111\u00e3 x\u00e1c minh v\u1edbi d\u1eef li\u1ec7u t\u1eeb c\u00e1c c\u01a1 s\u1edf d\u1eef li\u1ec7u b\u00ean ngo\u00e0i, ch\u1eb3ng h\u1ea1n nh\u01b0 c\u01a1 quan qu\u1ea3n l\u00fd, ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh kh\u00e1c. \u0110\u00e2y l\u00e0 y\u1ebfu t\u1ed1 nh\u1eb1m \u0111\u1ea3m b\u1ea3o r\u1eb1ng kh\u00e1ch h\u00e0ng kh\u00f4ng ch\u1ec9 cung c\u1ea5p th\u00f4ng tin \u0111\u00fang m\u00e0 c\u00f2n l\u00e0 m\u1ed9t c\u00e1 nh\u00e2n \u0111\u00e1ng tin c\u1eady. \u0110\u1ec3 \u0111\u1ec3 ki\u1ec3m tra s\u1ef1 tr\u00f9ng kh\u1edbp gi\u1eefa h\u00ecnh \u1ea3nh tr\u00ean t\u00e0i li\u1ec7u v\u1edbi h\u00ecnh \u1ea3nh tr\u1ef1c ti\u1ebfp c\u1ee7a kh\u00e1ch h\u00e0ng, ng\u01b0\u1eddi ta c\u00f3 th\u1ec3 t\u00edch h\u1ee3p s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i, \u0111\u1ea3m b\u1ea3o x\u00e1c nh\u1eadn danh t\u00ednh m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c nh\u1ea5t.<\/p>\n<h4><span id=\"454_Xac_Nhan\"><strong>4.5.4. X\u00e1c Nh\u1eadn<\/strong><\/span><\/h4>\n<p>Sau khi ho\u00e0n t\u1ea5t c\u00e1c b\u01b0\u1edbc x\u00e1c minh, x\u00e1c th\u1ef1c, kh\u00e1ch h\u00e0ng s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o x\u00e1c nh\u1eadn v\u1ec1 t\u00ecnh tr\u1ea1ng h\u1ed3 s\u01a1 c\u1ee7a m\u00ecnh. N\u1ebfu m\u1ecdi th\u00f4ng tin \u0111\u1ec1u h\u1ee3p l\u1ec7, h\u1ec7 th\u1ed1ng s\u1ebd g\u1eedi m\u1ed9t th\u00f4ng b\u00e1o x\u00e1c nh\u1eadn th\u00e0nh c\u00f4ng, cho ph\u00e9p kh\u00e1ch h\u00e0ng ti\u1ebfp t\u1ee5c c\u00e1c giao d\u1ecbch ho\u1eb7c s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 m\u00e0 h\u1ecd \u0111\u00e3 \u0111\u0103ng k\u00fd. Ng\u01b0\u1ee3c l\u1ea1i, n\u1ebfu c\u00f3 b\u1ea5t k\u1ef3 v\u1ea5n \u0111\u1ec1 n\u00e0o v\u1edbi h\u1ed3 s\u01a1, kh\u00e1ch h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o \u0111\u1ec3 ch\u1ec9nh s\u1eeda v\u00e0 cung c\u1ea5p th\u00eam th\u00f4ng tin n\u1ebfu c\u1ea7n thi\u1ebft.<\/p>\n<h4><span id=\"455_Khoi_Tao\"><strong>4.5.5. Kh\u1edfi T\u1ea1o<\/strong><\/span><\/h4>\n<p>B\u01b0\u1edbc cu\u1ed1i c\u00f9ng l\u00e0 kh\u1edfi t\u1ea1o t\u00e0i kho\u1ea3n ho\u1eb7c d\u1ecbch v\u1ee5 cho kh\u00e1ch h\u00e0ng. Sau khi nh\u1eadn \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn, h\u1ec7 th\u1ed1ng s\u1ebd t\u1ea1o t\u00e0i kho\u1ea3n cho kh\u00e1ch h\u00e0ng v\u00e0 h\u1ecd c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 m\u00e0 h\u1ecd \u0111\u00e3 \u0111\u0103ng k\u00fd. Trong b\u01b0\u1edbc kh\u1edfi t\u1ea1o, th\u00f4ng tin kh\u00e1ch h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef an to\u00e0n t\u1ea1i h\u1ec7 th\u1ed1ng gi\u00fap c\u00e1c t\u1ed5 ch\u1ee9c d\u1ec5 d\u00e0ng qu\u1ea3n l\u00fd, theo d\u00f5i th\u00f4ng tin khi c\u1ea7n thi\u1ebft trong t\u01b0\u01a1ng lai. H\u1ec7 th\u1ed1ng c\u0169ng s\u1ebd ti\u1ebfp t\u1ee5c gi\u00e1m s\u00e1t c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o kh\u00f4ng c\u00f3 d\u1ea5u hi\u1ec7u gian l\u1eadn ho\u1eb7c r\u1ee7i ro n\u00e0o xu\u1ea5t hi\u1ec7n.<\/p>\n<figure id=\"attachment_84107\" aria-describedby=\"caption-attachment-84107\" style=\"width: 800px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" class=\"wp-image-84107 size-full\" src=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-5-5.jpg\" alt=\"Quy tr\u00ecnh x\u00e1c th\u1ef1c eKYC \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ho\u00e0n to\u00e0n th\u00f4ng qua c\u00f4ng ngh\u1ec7\" width=\"800\" height=\"600\" srcset=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-5-5.jpg 800w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-5-5-300x225.jpg 300w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-5-5-150x113.jpg 150w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2023\/01\/unnamed-5-5-768x576.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-84107\" class=\"wp-caption-text\"><center><em>Quy tr\u00ecnh x\u00e1c th\u1ef1c eKYC \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ho\u00e0n to\u00e0n th\u00f4ng qua c\u00f4ng ngh\u1ec7<\/em><center><\/center><\/center><\/figcaption><\/figure>\n<h3><span id=\"46_Cong_Nghe_Duoc_Ung_Dung_Trong_Giai_Phap_eKYC\"><strong>4.6. C\u00f4ng Ngh\u1ec7 \u0110\u01b0\u1ee3c \u1ee8ng D\u1ee5ng Trong Gi\u1ea3i Ph\u00e1p eKYC<\/strong><\/span><\/h3>\n<p>C\u00e1c c\u00f4ng ngh\u1ec7 \u1ee9ng d\u1ee5ng trong eKYC gi\u00fap t\u1ed1i \u01b0u quy tr\u00ecnh x\u00e1c minh danh t\u00ednh, t\u0103ng c\u01b0\u1eddng b\u1ea3o m\u1eadt v\u00e0 c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng.<\/p>\n<h4><span id=\"461_Cong_nghe_OCR_Optical_Character_Recognition\"><strong>4.6.1. C\u00f4ng ngh\u1ec7 OCR (Optical Character Recognition)<\/strong><\/span><\/h4>\n<p>OCR l\u00e0 c\u00f4ng ngh\u1ec7 gi\u00fap chuy\u1ec3n \u0111\u1ed5i th\u00f4ng tin t\u1eeb h\u00ecnh \u1ea3nh ho\u1eb7c t\u00e0i li\u1ec7u gi\u1ea5y th\u00e0nh v\u0103n b\u1ea3n s\u1ed1. Trong eKYC, OCR cho ph\u00e9p h\u1ec7 th\u1ed1ng \u0111\u1ecdc, tr\u00edch xu\u1ea5t d\u1eef li\u1ec7u t\u1eeb c\u00e1c t\u00e0i li\u1ec7u nh\u01b0 ch\u1ee9ng minh nh\u00e2n d\u00e2n, h\u1ed9 chi\u1ebfu, b\u1eb1ng l\u00e1i xe. Nh\u1edd OCR, th\u00f4ng tin c\u1ee7a kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c thu th\u1eadp, nh\u1eadp t\u1ef1 \u0111\u1ed9ng v\u00e0o h\u1ec7 th\u1ed1ng, gi\u00fap quy tr\u00ecnh nhanh h\u01a1n, gi\u1ea3m l\u1ed7i do con ng\u01b0\u1eddi, t\u0103ng t\u00ednh ch\u00ednh x\u00e1c c\u1ee7a d\u1eef li\u1ec7u.<\/p>\n<h4><span id=\"462_Cong_nghe_Facematch\"><strong>4.6.2. C\u00f4ng ngh\u1ec7 Facematch<\/strong><\/span><\/h4>\n<p>Facematch l\u00e0 c\u00f4ng ngh\u1ec7 so s\u00e1nh khu\u00f4n m\u1eb7t gi\u00fap x\u00e1c minh kh\u00e1ch h\u00e0ng b\u1eb1ng c\u00e1ch \u0111\u1ed1i chi\u1ebfu \u1ea3nh ch\u1ee5p trong t\u00e0i li\u1ec7u \u0111\u1ecbnh danh v\u1edbi \u1ea3nh hi\u1ec7n t\u1ea1i c\u1ee7a h\u1ecd. Facematch gi\u00fap \u0111\u1ea3m b\u1ea3o r\u1eb1ng ng\u01b0\u1eddi th\u1ef1c hi\u1ec7n eKYC l\u00e0 \u0111\u00fang ng\u01b0\u1eddi trong t\u00e0i li\u1ec7u. C\u00f4ng ngh\u1ec7 n\u00e0y \u0111\u1eb7c bi\u1ec7t h\u1eefu \u00edch trong vi\u1ec7c ng\u0103n ng\u1eeba gian l\u1eadn danh t\u00ednh, gi\u00fap c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh an to\u00e0n, tin c\u1eady h\u01a1n trong giao d\u1ecbch.<\/p>\n<h4><span id=\"463_Cong_nghe_Liveness_Detection\"><strong>4.6.3. C\u00f4ng ngh\u1ec7 Liveness Detection<\/strong><\/span><\/h4>\n<p>Liveness Detection l\u00e0 c\u00f4ng ngh\u1ec7 nh\u1eadn di\u1ec7n ng\u01b0\u1eddi d\u00f9ng &#8220;s\u1ed1ng&#8221; nh\u1eb1m ph\u00e2n bi\u1ec7t ng\u01b0\u1eddi th\u1eadt v\u1edbi \u1ea3nh ch\u1ee5p, video ho\u1eb7c m\u1eb7t n\u1ea1. C\u00f4ng ngh\u1ec7 n\u00e0y th\u01b0\u1eddng y\u00eau c\u1ea7u ng\u01b0\u1eddi d\u00f9ng th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 h\u00e0nh \u0111\u1ed9ng nh\u01b0 ch\u1edbp m\u1eaft, quay \u0111\u1ea7u ho\u1eb7c di chuy\u1ec3n khu\u00f4n m\u1eb7t \u0111\u1ec3 ch\u1ee9ng minh m\u00ecnh l\u00e0 ng\u01b0\u1eddi th\u1eadt. Nh\u1edd v\u1eady c\u00f3 th\u1ec3 gi\u00fap ng\u0103n ch\u1eb7n c\u00e1c ph\u01b0\u01a1ng ph\u00e1p gian l\u1eadn tinh vi, t\u1ea1o th\u00eam m\u1ed9t l\u1edbp b\u1ea3o m\u1eadt trong quy tr\u00ecnh x\u00e1c minh danh t\u00ednh tr\u1ef1c tuy\u1ebfn.<\/p>\n<h4><span id=\"464_Cong_nghe_Fraud_Detection\"><strong>4.6.4. C\u00f4ng ngh\u1ec7 Fraud Detection<\/strong><\/span><\/h4>\n<p>Fraud Detection l\u00e0 c\u00f4ng ngh\u1ec7 ph\u00e1t hi\u1ec7n, ng\u0103n ch\u1eb7n c\u00e1c h\u00e0nh vi gian l\u1eadn trong qu\u00e1 tr\u00ecnh eKYC. C\u00f4ng ngh\u1ec7 Fraud Detection s\u1eed d\u1ee5ng c\u00e1c thu\u1eadt to\u00e1n h\u1ecdc m\u00e1y, tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o \u0111\u1ec3 ph\u00e2n t\u00edch c\u00e1c d\u1ea5u hi\u1ec7u b\u1ea5t th\u01b0\u1eddng, x\u00e1c \u0111\u1ecbnh c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u00e1ng ng\u1edd. Fraud Detection gi\u00fap c\u00e1c t\u1ed5 ch\u1ee9c k\u1ecbp th\u1eddi ph\u00e1t hi\u1ec7n, ng\u0103n ng\u1eeba c\u00e1c v\u1ee5 gian l\u1eadn, b\u1ea3o v\u1ec7 th\u00f4ng tin kh\u00e1ch h\u00e0ng, tr\u00e1nh t\u1ed5n th\u1ea5t t\u00e0i ch\u00ednh.<\/p>\n<h4><span id=\"465_Cong_nghe_E-Signature_Chu_ky_dien_tu\"><strong>4.6.5. C\u00f4ng ngh\u1ec7 E-Signature (Ch\u1eef k\u00fd \u0111i\u1ec7n t\u1eed)<\/strong><\/span><\/h4>\n<p>E-Signature l\u00e0 ch\u1eef k\u00fd \u0111i\u1ec7n t\u1eed c\u00f3 t\u00ednh ph\u00e1p l\u00fd, cho ph\u00e9p kh\u00e1ch h\u00e0ng k\u00fd c\u00e1c t\u00e0i li\u1ec7u, h\u1ee3p \u0111\u1ed3ng tr\u1ef1c tuy\u1ebfn m\u1ed9t c\u00e1ch nhanh ch\u00f3ng, an to\u00e0n. C\u00f4ng ngh\u1ec7 E-Signature h\u1ed7 tr\u1ee3 ho\u00e0n thi\u1ec7n quy tr\u00ecnh eKYC, cho ph\u00e9p kh\u00e1ch h\u00e0ng th\u1ef1c hi\u1ec7n \u0111\u1ea7y \u0111\u1ee7 c\u00e1c b\u01b0\u1edbc \u0111\u0103ng k\u00fd, x\u00e1c th\u1ef1c v\u00e0 ph\u00ea duy\u1ec7t t\u1eeb xa. E-Signature kh\u00f4ng ch\u1ec9 gi\u00fap ti\u1ebft ki\u1ec7m th\u1eddi gian m\u00e0 c\u00f2n mang l\u1ea1i s\u1ef1 ti\u1ec7n l\u1ee3i, b\u1ea3o m\u1eadt cao trong giao d\u1ecbch tr\u1ef1c tuy\u1ebfn.<\/p>\n<h2><span id=\"5_Quy_Dinh_Ve_eKYC_Tai_Viet_Nam\"><strong>5. Quy \u0110\u1ecbnh V\u1ec1 eKYC T\u1ea1i Vi\u1ec7t Nam<\/strong><\/span><\/h2>\n<p>\u0110\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng vi\u1ec7c \u00e1p d\u1ee5ng eKYC t\u1ea1i Vi\u1ec7t Nam kh\u00f4ng ch\u1ec9 ti\u1ec7n l\u1ee3i m\u00e0 c\u00f2n an to\u00e0n v\u00e0 tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt, c\u00f3 m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh v\u1ec1 eKYC nh\u01b0 sau:<\/p>\n<h3><span id=\"51_Ngan_Hang_Thiet_Lap_Quy_Trinh_Va_Thu_Tuc_Cho_eKYC\"><strong>5.1. Ng\u00e2n H\u00e0ng Thi\u1ebft L\u1eadp Quy Tr\u00ecnh V\u00e0 Th\u1ee7 T\u1ee5c Cho eKYC<\/strong><\/span><\/h3>\n<p>Theo quy \u0111\u1ecbnh t\u1ea1i Vi\u1ec7t Nam, c\u00e1c ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u1ea7n thi\u1ebft l\u1eadp quy tr\u00ecnh, th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3 cho eKYC nh\u1eb1m \u0111\u1ea3m b\u1ea3o tu\u00e2n th\u1ee7 \u0111\u00fang c\u00e1c y\u00eau c\u1ea7u ph\u00e1p l\u00fd, an to\u00e0n. C\u00e1c quy tr\u00ecnh n\u00e0y th\u01b0\u1eddng bao g\u1ed3m nh\u1eefng b\u01b0\u1edbc x\u00e1c minh, ki\u1ec3m tra th\u00f4ng tin kh\u00e1ch h\u00e0ng, nh\u1eb1m x\u00e1c th\u1ef1c danh t\u00ednh, gi\u1ea3m thi\u1ec3u r\u1ee7i ro gian l\u1eadn. Ng\u00e2n h\u00e0ng c\u1ea7n \u0111\u1ea3m b\u1ea3o r\u1eb1ng quy tr\u00ecnh eKYC c\u1ee7a m\u00ecnh \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 c\u00e1c ti\u00eau chu\u1ea9n v\u1ec1 b\u1ea3o m\u1eadt, b\u1ea3o v\u1ec7 th\u00f4ng tin c\u00e1 nh\u00e2n, tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/p>\n<h3><span id=\"52_Cac_Yeu_Cau_Quy_Dinh_Phuong_Phap_eKYC\"><strong>5.2. C\u00e1c Y\u00eau C\u1ea7u Quy \u0110\u1ecbnh Ph\u01b0\u01a1ng Ph\u00e1p eKYC<\/strong><\/span><\/h3>\n<p>C\u00e1c ph\u01b0\u01a1ng ph\u00e1p eKYC \u00e1p d\u1ee5ng t\u1ea1i Vi\u1ec7t Nam ph\u1ea3i tu\u00e2n theo nh\u1eefng y\u00eau c\u1ea7u c\u1ee5 th\u1ec3 v\u1ec1 c\u00f4ng ngh\u1ec7, b\u1ea3o m\u1eadt nh\u1eb1m \u0111\u1ea3m b\u1ea3o t\u00ednh ch\u00ednh x\u00e1c, an to\u00e0n cho c\u1ea3 kh\u00e1ch h\u00e0ng l\u1eabn ng\u00e2n h\u00e0ng. C\u00e1c c\u00f4ng ngh\u1ec7 th\u01b0\u1eddng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong eKYC nh\u01b0 OCR, facematch v\u00e0 liveness detection ph\u1ea3i \u0111\u01b0\u1ee3c ki\u1ec3m \u0111\u1ecbnh v\u00e0 ch\u1ee9ng nh\u1eadn \u0111\u1ee7 \u0111\u1ed9 tin c\u1eady \u0111\u1ec3 ph\u00e1t hi\u1ec7n gian l\u1eadn, x\u00e1c minh danh t\u00ednh. Ngo\u00e0i ra, quy \u0111\u1ecbnh c\u00f2n y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i c\u00f3 bi\u1ec7n ph\u00e1p theo d\u00f5i, gi\u00e1m s\u00e1t c\u00e1c giao d\u1ecbch sau khi m\u1edf t\u00e0i kho\u1ea3n b\u1eb1ng eKYC \u0111\u1ec3 k\u1ecbp th\u1eddi ph\u00e1t hi\u1ec7n, ng\u0103n ch\u1eb7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng b\u1ea5t th\u01b0\u1eddng.<\/p>\n<h3><span id=\"53_Quy_Dinh_Ve_Tai_Khoan_Duoc_Mo_Bang_eKYC\"><strong>5.3. Quy \u0110\u1ecbnh V\u1ec1 T\u00e0i Kho\u1ea3n \u0110\u01b0\u1ee3c M\u1edf B\u1eb1ng eKYC<\/strong><\/span><\/h3>\n<p>\u1ede Vi\u1ec7t Nam, c\u00e1c t\u00e0i kho\u1ea3n m\u1edf qua eKYC th\u01b0\u1eddng c\u00f3 gi\u1edbi h\u1ea1n v\u1ec1 ch\u1ee9c n\u0103ng, h\u1ea1n m\u1ee9c giao d\u1ecbch nh\u1eb1m \u0111\u1ea3m b\u1ea3o an to\u00e0n. V\u00ed d\u1ee5, c\u00e1c t\u00e0i kho\u1ea3n n\u00e0y c\u00f3 th\u1ec3 b\u1ecb gi\u1edbi h\u1ea1n v\u1ec1 s\u1ed1 ti\u1ec1n giao d\u1ecbch ho\u1eb7c y\u00eau c\u1ea7u th\u00eam c\u00e1c b\u01b0\u1edbc x\u00e1c minh b\u1ed5 sung n\u1ebfu kh\u00e1ch h\u00e0ng mu\u1ed1n n\u00e2ng h\u1ea1n m\u1ee9c. Quy \u0111\u1ecbnh nh\u01b0 v\u1eady nh\u1eb1m h\u1ea1n ch\u1ebf r\u1ee7i ro t\u1eeb c\u00e1c t\u00e0i kho\u1ea3n m\u1edf ho\u00e0n to\u00e0n qua ph\u01b0\u01a1ng th\u1ee9c tr\u1ef1c tuy\u1ebfn, tr\u00e1nh vi\u1ec7c t\u00e0i kho\u1ea3n b\u1ecb l\u1ee3i d\u1ee5ng cho c\u00e1c m\u1ee5c \u0111\u00edch gian l\u1eadn ho\u1eb7c phi ph\u00e1p. Khi kh\u00e1ch h\u00e0ng mu\u1ed1n n\u00e2ng c\u1ea5p ho\u1eb7c thay \u0111\u1ed5i h\u1ea1n m\u1ee9c, h\u1ecd c\u00f3 th\u1ec3 ph\u1ea3i \u0111\u1ebfn ng\u00e2n h\u00e0ng \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c b\u01b0\u1edbc x\u00e1c minh tr\u1ef1c ti\u1ebfp.<\/p>\n<p>Hy v\u1ecdng b\u00e0i vi\u1ebft n\u00e0y c\u1ee7a JobsGO \u0111\u00e3 gi\u00fap b\u1ea1n hi\u1ec3u h\u01a1n \u201c<a href=\"https:\/\/jobsgo.vn\/blog\/kyc-la-gi\/\" target=\"_blank\" rel=\"noopener\"><strong>KYC l\u00e0 g\u00ec<\/strong><\/a>?\u201d. KYC l\u00e0 m\u1ed9t b\u1ed9 ti\u00eau chu\u1ea9n v\u00e0 c\u00e1c y\u00eau c\u1ea7u \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n nghi\u00eam ng\u1eb7t t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh nh\u01b0 ng\u00e2n h\u00e0ng, c\u00f4ng ty ch\u1ee9ng kho\u00e1n,&#8230; nh\u1eb1m x\u00e1c minh th\u00f4ng tin kh\u00e1ch h\u00e0ng v\u00e0 t\u0103ng t\u00ednh an to\u00e0n khi th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0110\u00e1nh gi\u00e1 post KYC l\u00e0 g\u00ec? KYC l\u00e0 m\u1ed9t b\u1ed9 ti\u00eau chu\u1ea9n v\u00e0 y\u00eau c\u1ea7u \u0111\u01b0\u1ee3c c\u00e1c doanh nghi\u1ec7p s\u1eed d\u1ee5ng \u0111\u1ec3 x\u00e1c minh danh t\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng; gi\u00fap b\u1ea3o v\u1ec7 doanh nghi\u1ec7p v\u00e0 kh\u00e1ch h\u00e0ng kh\u1ecfi c\u00e1c ho\u1ea1t&#8230;<\/p>\n","protected":false},"author":34,"featured_media":48907,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"KYC l\u00e0 g\u00ec","_yoast_wpseo_title":"KYC L\u00e0 G\u00ec? Quy Tr\u00ecnh X\u00e1c Minh KYC, eKYC Chu\u1ea9n Nh\u1ea5t {YEAR} - JobsGO Blog","_yoast_wpseo_metadesc":"KYC l\u00e0 g\u00ec? KYC c\u00f3 vai tr\u00f2 quan tr\u1ecdng nh\u01b0 th\u1ebf n\u00e0o? KYC v\u00e0 eKYC kh\u00e1c nhau ra sao? Click ngay \u0111\u1ec3 tham kh\u1ea3o quy tr\u00ecnh x\u00e1c minh KYC v\u00e0 eKYC chu\u1ea9n nh\u1ea5t 2024!","_yoast_wpseo_focus_keyphrase":"","faq":"1. KYC C\u00f3 \u0110\u1ea3m B\u1ea3o An To\u00e0n Kh\u00f4ng?\r\n\r\nQuy tr\u00ecnh KYC l\u00e0 m\u1ed9t trong nh\u1eefng c\u00e1ch \u0111\u1ec3 b\u1ea3o v\u1ec7 th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 ng\u0103n ch\u1eb7n ho\u1ea1t \u0111\u1ed9ng b\u1ea5t h\u1ee3p ph\u00e1p. Nh\u01b0ng n\u00f3 kh\u00f4ng th\u1ec3 tr\u00e1nh ho\u00e0n to\u00e0n c\u00e1c r\u1ee7i ro v\u1ec1 b\u1ea3o m\u1eadt. V\u00ec v\u1eady, \u0111\u1ec3 t\u0103ng t\u00ednh an to\u00e0n, c\u00e1c t\u1ed5 ch\u1ee9c, doanh nghi\u1ec7p c\u1ea7n tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o m\u1eadt v\u00e0 ch\u1ecbu tr\u00e1ch nhi\u1ec7m trong vi\u1ec7c b\u1ea3o v\u1ec7 th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng.\r\n\r\n2. KYC C\u00f3 B\u1eaft Bu\u1ed9c Kh\u00f4ng?\r\n\r\nKYC l\u00e0 m\u1ed9t quy tr\u00ecnh b\u1eaft bu\u1ed9c cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c c\u00f3 li\u00ean quan \u0111\u1ebfn t\u00e0i ch\u00ednh nh\u01b0ng n\u00f3 kh\u00f4ng b\u1eaft bu\u1ed9c v\u1edbi c\u00e1c s\u00e0n giao d\u1ecbch ti\u1ec1n \u0111i\u1ec7n t\u1eed.\r\n\r\n3. KYC C\u00f3 Nghi\u00eam Ng\u1eb7t V\u1edbi Ti\u1ec1n \u0110i\u1ec7n T\u1eed Kh\u00f4ng?\r\n\r\nKYC nghi\u00eam ng\u1eb7t h\u01a1n \u1edf c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh nh\u01b0 ng\u00e2n h\u00e0ng, c\u00f4ng ty ch\u1ee9ng kho\u00e1n,... Quy tr\u00ecnh n\u00e0y c\u0169ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng v\u1edbi c\u00e1c s\u00e0n giao d\u1ecbch \u0111i\u1ec7n t\u1eed nh\u01b0ng kh\u00f4ng qu\u00e1 nghi\u00eam ng\u1eb7t, n\u00f3 ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n khi vi\u1ec7c mua b\u00e1n \u0111\u01b0\u1ee3c di\u1ec5n ra.\r\n\r\n\r\n","nganh_nghe_chuc_vu_lien_quan":["Chuy\u00ean Vi\u00ean T\u01b0 V\u1ea5n Ng\u00e2n H\u00e0ng"]},"categories":[2038],"tags":[],"yoast_head":"\n<title>KYC L\u00e0 G\u00ec? Quy Tr\u00ecnh X\u00e1c Minh KYC, eKYC Chu\u1ea9n Nh\u1ea5t 2025 - JobsGO Blog<\/title>\n<meta name=\"description\" content=\"KYC l\u00e0 g\u00ec? KYC c\u00f3 vai tr\u00f2 quan tr\u1ecdng nh\u01b0 th\u1ebf n\u00e0o? KYC v\u00e0 eKYC kh\u00e1c nhau ra sao? Click ngay \u0111\u1ec3 tham kh\u1ea3o quy tr\u00ecnh x\u00e1c minh KYC v\u00e0 eKYC chu\u1ea9n nh\u1ea5t 2024!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/jobsgo.vn\/blog\/kyc-la-gi\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"KYC L\u00e0 G\u00ec? Quy Tr\u00ecnh X\u00e1c Minh KYC, eKYC Chu\u1ea9n Nh\u1ea5t 2025 - JobsGO Blog\" \/>\n<meta property=\"og:description\" content=\"KYC l\u00e0 g\u00ec? KYC c\u00f3 vai tr\u00f2 quan tr\u1ecdng nh\u01b0 th\u1ebf n\u00e0o? KYC v\u00e0 eKYC kh\u00e1c nhau ra sao? 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