{"id":1901,"date":"2017-08-31T13:55:30","date_gmt":"2017-08-31T06:55:30","guid":{"rendered":"http:\/\/khoahocnganhang.org.vn\/news\/?p=1901"},"modified":"2017-08-31T13:55:30","modified_gmt":"2017-08-31T06:55:30","slug":"cong-nghe-blockchain-trong-linh-vuc-ngan-hang-moi-quan-tam-cua-nhieu-quoc-gia","status":"publish","type":"post","link":"http:\/\/khoahocnganhang.org.vn\/news\/vi\/cong-nghe-blockchain-trong-linh-vuc-ngan-hang-moi-quan-tam-cua-nhieu-quoc-gia\/","title":{"rendered":"C\u00f4ng ngh\u1ec7 Blockchain trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng \u2013 m\u1ed1i quan t\u00e2m c\u1ee7a nhi\u1ec1u qu\u1ed1c gia"},"content":{"rendered":"

Kh\u00e1i ni\u1ec7m v\u00e0 \u0111\u1eb7c t\u00ednh c\u1ee7a blockchain<\/em><\/strong><\/p>\n

Kh\u00e1i ni\u1ec7m Blockchain (chu\u1ed7i kh\u1ed1i)\u00a0th\u01b0\u1eddng \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn tr\u00ean 3 kh\u00eda c\u1ea1nh kh\u00e1c nhau. Tr\u01b0\u1edbc h\u1ebft, x\u00e9t tr\u00ean kh\u00eda c\u1ea1nh kinh t\u1ebf, blockchain \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 m\u1ed9t cu\u1ed1n s\u1ed5 c\u00e1i c\u00f3 th\u1ec3 chia s\u1ebb, b\u1ea3o m\u1eadt v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng ch\u1ed1ng \u0103n c\u1eafp th\u00f4ng tin, trong \u0111\u00f3 ghi ch\u00e9p l\u1ea1i t\u1ea5t c\u1ea3 nh\u1eefng giao d\u1ecbch t\u00e0i s\u1ea3n ph\u00e1t sinh gi\u1eefa c\u00e1c b\u00ean tham gia trong m\u1ed9t m\u1ea1ng ngang h\u00e0ng c\u00e1 nh\u00e2n (\u0111\u01a1n gi\u1ea3n bao g\u1ed3m c\u00e1c m\u00e1y t\u00ednh k\u1ebft n\u1ed1i m\u1ea1ng). X\u00e9t tr\u00ean kh\u00eda c\u1ea1nh c\u00f4ng ngh\u1ec7, blockchain \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t gi\u1ea3i ph\u00e1p \u0111\u1ea3m b\u1ea3o an to\u00e0n cho c\u00e1c giao d\u1ecbch th\u1ef1c hi\u1ec7n nh\u1edd bi\u1ec7n ph\u00e1p m\u00e3 h\u00f3a b\u1ea5t bi\u1ebfn c\u00e1c giao d\u1ecbch t\u00e0i s\u1ea3n \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n. C\u00f2n x\u00e9t tr\u00ean kh\u00eda c\u1ea1nh x\u00e3 h\u1ed9i, blockchain gi\u00fap t\u1ea1o d\u1ef1ng ni\u1ec1m tin cho c\u00e1c b\u00ean tham gia giao d\u1ecbch th\u00f4ng qua m\u1ed9t m\u1ea1ng l\u01b0\u1edbi phi t\u1eadp trung.<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p \u0111\u1ea7u ti\u00ean s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 blockchain tr\u00ean th\u1ebf gi\u1edbi \u0111\u00f3 l\u00e0 Bitcoin. \u0110\u00e2y l\u00e0 m\u1ed9t \u0111\u1ed3ng ti\u1ec1n s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 m\u00e3 h\u00f3a phi t\u1eadp trung tu\u00e2n theo c\u00e1c \u0111\u1eb7c t\u00ednh c\u1ee7a c\u00f4ng ngh\u1ec7 blockchain v\u00e0 \u0111\u01b0\u1ee3c coi l\u00e0 c\u00f4ng ngh\u1ec7 blockchain th\u1ebf h\u1ec7 1.0. C\u00f4ng ngh\u1ec7 1.0 \u0111\u01a1n thu\u1ea7n m\u1edbi ch\u1ec9 d\u1eebng l\u1ea1i \u1edf ch\u1ee9c n\u0103ng chuy\u1ec3n giao t\u00e0i s\u1ea3n v\u00e0 giao d\u1ecbch, trong \u0111\u00f3 t\u1eadp trung v\u00e0o th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i ti\u1ec1n t\u1ec7, ki\u1ec1u h\u1ed1i v\u00e0 h\u1ec7 th\u1ed1ng thanh to\u00e1n k\u1ef9 thu\u1eadt s\u1ed1 v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a m\u1ed9t lo\u1ea1t c\u00e1c \u0111\u1ed3ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 nh\u01b0 Bitcoin, Littlecoin, Dogecoin,… Tuy nhi\u00ean, hi\u1ec7n nay, blockchain \u0111\u00e3 ph\u00e1t tri\u1ec3n \u0111\u1ebfn th\u1ebf h\u1ec7 2.0, trong \u0111\u00f3 c\u00f4ng ngh\u1ec7 blockchain \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n d\u01b0\u1edbi d\u1ea1ng h\u1ee3p \u0111\u1ed3ng th\u00f4ng minh v\u00e0 \u1ee9ng d\u1ee5ng trong m\u1ed9t lo\u1ea1t c\u00e1c l\u0129nh v\u1ef1c\u00a0 nh\u01b0 c\u00e1c giao d\u1ecbch c\u1ed5 phi\u1ebfu, chi phi\u1ebfu, n\u1ee3, quy\u1ec1n s\u1edf h\u1eefu, nh\u1eadn d\u1ea1ng,\u2026<\/p>\n

C\u00f4ng ngh\u1ec7 blockchain \u0111\u01b0\u1ee3c sinh ra nh\u1eb1m gi\u1ea3i quy\u1ebft m\u1ed9t ph\u1ea7n nh\u1eefng v\u1ea5n \u0111\u1ec1 c\u00f2n t\u1ed3n t\u1ea1i trong c\u00e1c l\u0129nh v\u1ef1c \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin nh\u01b0 v\u1ea5n \u0111\u1ec1 v\u1ec1 b\u1ea3o m\u1eadt, t\u1ed1c \u0111\u1ed9 giao d\u1ecbch, t\u00ednh minh b\u1ea1ch, \u2026 nh\u1edd nh\u1eefng \u0111\u1eb7c t\u00ednh ri\u00eang c\u00f3 c\u1ee7a n\u00f3. \u0110\u1eb7c t\u00ednh quan tr\u1ecdng \u0111\u1ea7u ti\u00ean \u0111\u00f3 l\u00e0 t\u00ednh \u0111\u1ed3ng s\u1edf h\u1eefu. Blockchain \u0111\u01b0\u1ee3c t\u1ea1o ra tr\u00ean c\u01a1 s\u1edf m\u1ea1ng l\u01b0\u1edbi ngang h\u00e0ng, kh\u00f4ng c\u00f3 ai l\u00e0 s\u1edf h\u1eefu duy nh\u1ea5t gi\u1ed1ng nh\u01b0 m\u1ed9t \u201cm\u00e1y ch\u1ee7\u201d theo c\u00f4ng ngh\u1ec7 hi\u1ec7n t\u1ea1i m\u00e0 t\u1ea5t c\u1ea3 \u0111\u1ec1u \u0111\u00f3ng vai tr\u00f2 nh\u01b0 nhau, c\u01a1 s\u1edf l\u01b0u tr\u1eef d\u1eef li\u1ec7u ph\u00e2n t\u00e1n \u1edf c\u00e1c m\u00e1y t\u00ednh ngang h\u00e0ng n\u00ean ai c\u0169ng c\u00f3 quy\u1ec1n truy c\u1eadp nh\u01b0 nhau, nh\u1edd v\u1eady \u0111\u1ea3m b\u1ea3o t\u00ednh c\u00f4ng b\u1eb1ng v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro t\u1ed1i \u0111a trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb t\u1ea5n c\u00f4ng m\u1ea1ng.<\/p>\n

Blockchain c\u00f2n l\u00e0 h\u00ecnh th\u1ee9c l\u01b0u tr\u1eef minh b\u1ea1ch tuy\u1ec7t \u0111\u1ed1i m\u00e0 m\u1ecdi c\u00e1 nh\u00e2n tham gia \u0111\u1ec1u c\u00f3 quy\u1ec1n truy c\u1eadp phi\u00ean b\u1ea3n \u0111\u1ea7y \u0111\u1ee7. M\u1ed9t khi \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt, n\u00f3 kh\u00f4ng th\u1ec3 b\u1ecb thay \u0111\u1ed5i ho\u1eb7c x\u00e1o tr\u1ed9n m\u00e0 ch\u1ec9 c\u00f3 th\u1ec3 b\u1ed5 sung, v\u00e0 qu\u00e1 tr\u00ecnh c\u1eadp nh\u1eadt di\u1ec5n ra \u0111\u1ed3ng th\u1eddi tr\u00ean t\u1ea5t c\u1ea3 m\u00e1y t\u00ednh trong m\u1ea1ng l\u01b0\u1edbi. Ngo\u00e0i ra, do t\u1ea5t c\u1ea3 c\u00e1c b\u00ean tham gia m\u1ea1ng l\u01b0\u1edbi \u0111\u1ec1u \u0111\u1ed3ng thu\u1eadn trong vi\u1ec7c c\u00f9ng x\u00e1c minh c\u00e1c d\u1eef li\u1ec7u \u0111\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn n\u00ean s\u1ebd gi\u00fap gia t\u0103ng t\u00ednh chu\u1ea9n x\u00e1c c\u1ee7a c\u00e1c giao d\u1ecbch th\u1ef1c hi\u1ec7n th\u00f4ng qua c\u01a1 ch\u1ebf n\u00e0y.<\/p>\n

M\u1ed9t \u01b0u \u0111i\u1ec3m n\u1eefa l\u00e0 do kh\u00f4ng c\u1ea7n \u0111\u1ebfn m\u1ed9t h\u1ec7 th\u1ed1ng trung gian ph\u1ee9c t\u1ea1p c\u1ed3ng k\u1ec1nh m\u00e0 s\u1eed d\u1ee5ng lu\u00f4n t\u00e0i nguy\u00ean c\u1ee7a c\u00e1c m\u00e1y t\u00ednh tham gia m\u1ea1ng l\u01b0\u1edbi n\u00ean giao d\u1ecbch d\u1ef1a tr\u00ean c\u00f4ng ngh\u1ec7 blockchain c\u00f3 \u0111\u01b0\u1ee3c \u01b0u \u0111i\u1ec3m l\u00e0 t\u1ed1c \u0111\u1ed9 v\u1eadn h\u00e0nh r\u1ea5t cao, trong khi \u00e1p d\u1ee5ng v\u1edbi gi\u00e1 th\u00e0nh r\u1ebb, kh\u00f4ng m\u1ea5t chi ph\u00ed x\u00e2y d\u1ef1ng b\u1ea3o tr\u00ec v\u1eadn h\u00e0nh h\u1ec7 th\u1ed1ng.<\/p>\n

\u1ee8ng d\u1ee5ng c\u00f4ng ngh\u1ec7 Blockchain trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng<\/em><\/strong><\/p>\n

C\u00f4ng ngh\u1ec7 Blockchain v\u1edbi nh\u1eefng \u0111\u1eb7c t\u00ednh n\u1ed5i b\u1eadt nh\u01b0 \u0111\u00e3 tr\u00ecnh b\u00e0y \u1edf tr\u00ean c\u00f3 th\u1ec3 gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng gi\u1ea3i quy\u1ebft nh\u1eefng th\u00e1ch th\u1ee9c l\u1edbn trong qu\u00e1 tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng, c\u1ee5 th\u1ec3 nh\u01b0 sau:<\/p>\n

\u0110\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng (KYC \u2013 Know your customer): <\/em>Trong h\u1ec7 th\u1ed1ng \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng hi\u1ec7n t\u1ea1i, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng ph\u1ea3i m\u1ea5t kh\u00e1 nhi\u1ec1u th\u1eddi gian v\u00e0 chi ph\u00ed \u0111\u1ec3 ti\u1ebfn h\u00e0nh th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c n\u00e0y. C\u1ee5 th\u1ec3, m\u1ed9t ng\u00e2n h\u00e0ng th\u00f4ng th\u01b0\u1eddng ph\u1ea3i m\u1ea5t t\u1eeb 30 \u2013 50 ng\u00e0y \u0111\u1ec3 ho\u00e0n t\u1ea5t vi\u1ec7c \u0111\u1ecbnh danh, x\u00e1c nh\u1eadn v\u00e0 l\u01b0u l\u1ea1i th\u00f4ng tin c\u1ee7a m\u1ed9t kh\u00e1ch h\u00e0ng \u0111\u1ebfn giao d\u1ecbch. \u0110i\u1ec1u n\u00e0y l\u00e0m tr\u00ec ho\u00e3n \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn c\u00e1c giao d\u1ecbch kinh doanh c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. Ngo\u00e0i ra, theo th\u1ed1ng k\u00ea c\u1ee7a Reuters, m\u1ed9t ng\u00e2n h\u00e0ng trung b\u00ecnh c\u0169ng th\u01b0\u1eddng ph\u1ea3i chi kho\u1ea3ng 40 tri\u1ec7u b\u1ea3ng m\u1ed9t n\u0103m cho ho\u1ea1t \u0111\u1ed9ng \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng. Tuy nhi\u00ean, \u0111i\u1ec1u b\u1ea5t ti\u1ec7n h\u01a1n c\u1ea3 \u0111\u00f3 l\u00e0 m\u1ed9t kh\u00e1ch h\u00e0ng khi ti\u1ebfn h\u00e0nh giao d\u1ecbch t\u1ea1i nhi\u1ec1u ng\u00e2n h\u00e0ng kh\u00e1c nhau c\u00f3 th\u1ec3 m\u1ea5t nhi\u1ec1u l\u1ea7n ti\u1ebfn h\u00e0nh \u0111\u1ecbnh danh, t\u1ea1o ra s\u1ef1 l\u00e3ng ph\u00ed l\u1edbn v\u1ec1 ngu\u1ed3n l\u1ef1c th\u1eddi gian v\u00e0 ti\u1ec1n b\u1ea1c.<\/p>\n

Trong khi \u0111\u00f3, n\u1ebfu s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 blockchain, khi m\u1ed9t ng\u00e2n h\u00e0ng \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng v\u00e0 l\u01b0u l\u1ea1i th\u00f4ng tin tr\u00ean h\u1ec7 th\u1ed1ng blockchain, th\u00f4ng tin n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c l\u01b0u gi\u1eef b\u1ea3o m\u1eadt, an to\u00e0n v\u00e0 c\u00f3 th\u1ec3 ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c khai th\u00e1c t\u1eeb nh\u1eefng ng\u00e2n h\u00e0ng hay c\u00e1c \u0111\u01a1n v\u1ecb cung c\u1ea5p s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 kh\u00e1c (v\u00ed d\u1ee5 nh\u01b0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, doanh nghi\u1ec7p cho thu\u00ea \u00f4 t\u00f4, c\u00e1c b\u00ean cung c\u1ea5p d\u1ecbch v\u1ee5 cho vay,\u2026) m\u00e0 kh\u00f4ng t\u1ed1n th\u00eam th\u1eddi gian v\u00e0 chi ph\u00ed cho vi\u1ec7c \u0111\u1ecbnh danh l\u1ea7n n\u1eefa. Ngo\u00e0i ra, khi l\u01b0u tr\u1eef tr\u00ean blockchain, nh\u1eefng d\u1eef li\u1ec7u c\u00e1 nh\u00e2n n\u00e0y \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o x\u00e1c th\u1ef1c th\u00f4ng tin v\u00e0 kh\u00f4ng c\u00f3 nguy c\u01a1 b\u1ecb \u0111\u00e1nh c\u1eafp hay s\u1eeda \u0111\u1ed5i d\u1eef li\u1ec7u.<\/p>\n

\u0110\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n<\/em>: Thanh to\u00e1n gi\u1eefa hai ch\u1ee7 th\u1ec3 th\u01b0\u1eddng qua m\u1ed9t b\u00ean trung gian th\u1ee9 3 (v\u00ed d\u1ee5 nh\u01b0 h\u1ec7 th\u1ed1ng Paypal, western union, th\u1ebb t\u00edn d\u1ee5ng,\u2026). \u0110i\u1ec1u n\u00e0y l\u00e0m ph\u00e1t sinh th\u00eam chi ph\u00ed c\u0169ng nh\u01b0 m\u1ed9t s\u1ed1 h\u1ea1n ch\u1ebf v\u1ec1 m\u1eb7t th\u1eddi gian, t\u1ed1c \u0111\u1ed9,\u2026 Tuy nhi\u00ean, vi\u1ec7c \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 blockchain c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c nhi\u1ec1u v\u1ea5n \u0111\u1ec1 t\u1ed3n t\u1ea1i. Tr\u01b0\u1edbc h\u1ebft, do kh\u00f4ng th\u00f4ng qua m\u1ed9t \u0111\u01a1n v\u1ecb trung gian t\u1eadp trung, vi\u1ec7c thanh to\u00e1n c\u00f3 th\u1ec3 di\u1ec5n ra trong m\u1ed9t th\u1eddi gian nhanh ch\u00f3ng v\u1edbi chi ph\u00ed t\u1ed1i thi\u1ec3u. Vi\u1ec7c thanh to\u00e1n c\u0169ng c\u00f3 th\u1ec3 di\u1ec5n ra li\u00ean t\u1ee5c ng\u00e0y c\u0169ng nh\u01b0 \u0111\u00eam, ho\u00e0n to\u00e0n kh\u00f4ng b\u1ecb chi ph\u1ed1i b\u1edfi y\u1ebfu t\u1ed1 \u0111\u1ecba l\u00fd hay kho\u1ea3ng c\u00e1ch.<\/p>\n

Gi\u1ea3m b\u1edbt nguy c\u01a1 l\u1eeba \u0111\u1ea3o v\u00e0 t\u1ed9i ph\u1ea1m c\u00f4ng ngh\u1ec7<\/em>: Trong h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh v\u1eadn h\u00e0nh tr\u00ean n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 c\u0169, h\u1ea7u h\u1ebft c\u00e1c d\u1eef li\u1ec7u th\u00f4ng tin c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef tr\u00ean m\u1ed9t m\u00e1y ch\u1ee7 t\u1eadp trung v\u00e0 \u0111\u00e2y s\u1ebd l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng nh\u1eafm \u0111\u1ebfn d\u1ec5 d\u00e0ng \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed9i ph\u1ea1m c\u00f4ng ngh\u1ec7. Trong khi \u0111\u00f3, n\u1ebfu \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 blockchain, vi\u1ec7c l\u01b0u tr\u1eef d\u1eef li\u1ec7u ph\u00e2n t\u00e1n khi\u1ebfn gi\u1ea3m thi\u1ec3u t\u1ed1i \u0111a nguy c\u01a1 t\u1ea5n c\u00f4ng t\u1eeb c\u00e1c hackers.<\/p>\n

Ngo\u00e0i ra, v\u1edbi \u0111\u1eb7c t\u00ednh l\u00e0 m\u1ed9t quy\u1ec3n s\u1ed5 c\u00e1i l\u01b0u gi\u1eef th\u00f4ng tin kh\u00f3 c\u00f3 th\u1ec3 b\u1ecb s\u1eeda ch\u1eefa n\u00ean b\u1ea5t k\u1ef3 m\u1ed9t giao d\u1ecbch n\u00e0o \u0111\u00e3 \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef tr\u00ean h\u1ec7 th\u1ed1ng blockchain (v\u00ed d\u1ee5 nh\u01b0 b\u1ea5t k\u1ef3 ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n, chuy\u1ec3n ti\u1ec1n, cho vay,\u2026) s\u1ebd kh\u00f4ng th\u1ec3 b\u1ecb th\u00e2m nh\u1eadp v\u00e0 s\u1eeda ch\u1eefa m\u00e0 kh\u00f4ng \u0111\u1ec3 l\u1ea1i d\u1ea5u v\u1ebft. \u0110i\u1ec1u n\u00e0y gi\u00fap gi\u1ea3m thi\u1ec3u t\u1ed1i \u0111a t\u00ecnh tr\u1ea1ng l\u1eeba \u0111\u1ea3o, c\u0169ng nh\u01b0 c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng truy xu\u1ea5t c\u00e1c ho\u1ea1t \u0111\u1ed9ng phi ph\u00e1p nh\u01b0 r\u1eeda ti\u1ec1n hay t\u00e0i tr\u1ee3 kh\u1ee7ng b\u1ed1,\u2026<\/p>\n

Trong th\u1ef1c ti\u1ec5n th\u1eddi gian v\u1eeba qua, c\u00f3 nhi\u1ec1u \u1ee9ng d\u1ee5ng cho ho\u1ea1t \u0111\u1ed9ng c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng d\u1ef1a tr\u00ean n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 blockchain \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng v\u00e0 \u0111\u01b0a v\u00e0o v\u1eadn h\u00e0nh th\u1eed nghi\u1ec7m, n\u1ed5i b\u1eadt nh\u1ea5t l\u00e0 h\u1ec7 th\u1ed1ng thanh to\u00e1n Ripple v\u00e0 h\u1ec7 th\u1ed1ng \u0111\u1ecbnh danh ng\u01b0\u1eddi d\u00f9ng KYC.<\/p>\n

H\u1ec7 th\u1ed1ng thanh to\u00e1n li\u00ean ng\u00e2n h\u00e0ng d\u1ef1a tr\u00ean n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 Blockchain <\/em><\/p>\n

Ripple l\u00e0 giao th\u1ee9c thanh to\u00e1n \u0111\u1ed3ng th\u1eddi c\u0169ng l\u00e0 m\u1ed9t \u0111\u1ed3ng ti\u1ec1n thanh to\u00e1n d\u1ef1a tr\u00ean n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 blockchain v\u1edbi nh\u1eefng \u0111\u1eb7c tr\u01b0ng c\u01a1 b\u1ea3n \u0111\u00f3 l\u00e0 m\u00e3 ngu\u1ed3n m\u1edf, t\u00ednh b\u1ea5t bi\u1ebfn c\u1ee7a h\u1ec7 th\u1ed1ng c\u01a1 s\u1edf d\u1eef li\u1ec7u v\u00e0 c\u01a1 ch\u1ebf \u0111\u1ed3ng thu\u1eadn phi t\u1eadp trung. \u0110\u01b0\u1ee3c ph\u00e1t h\u00e0nh v\u00e0o n\u0103m 2012, Ripple nh\u1eb1m m\u1ee5c \u0111\u00edch cho ph\u00e9p th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch thanh to\u00e1n tr\u00ean to\u00e0n c\u1ea7u m\u1ed9t c\u00e1ch an to\u00e0n, nhanh ch\u00f3ng v\u00e0 v\u1edbi m\u1ee9c chi ph\u00ed th\u1ea5p h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi c\u00e1c giao d\u1ecbch thanh to\u00e1n truy\u1ec1n th\u1ed1ng.<\/p>\n

Vi\u1ec7c \u00e1p d\u1ee5ng Ripple mang l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch \u0111\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. Tr\u01b0\u1edbc h\u1ebft, vi\u1ec7c \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 s\u1ed5 c\u00e1i s\u1ebd gi\u00fap ghi l\u1ea1i m\u1ecdi giao d\u1ecbch thanh to\u00e1n m\u1ed9t c\u00e1ch trung th\u1ef1c, t\u1eeb \u0111\u00f3 h\u1ea1n ch\u1ebf r\u1ee7i ro thanh to\u00e1n \u1edf m\u1ee9c th\u1ea5p nh\u1ea5t. Th\u1ee9 hai, v\u1edbi vi\u1ec7c \u1ee9ng d\u1ee5ng c\u01a1 ch\u1ebf thanh to\u00e1n trung gian XRP, h\u1ec7 th\u1ed1ng thanh to\u00e1n n\u00e0y s\u1ebd gi\u00fap qu\u00e1 tr\u00ecnh thanh kho\u1ea3n di\u1ec5n ra linh ho\u1ea1t h\u01a1n tr\u00ean to\u00e0n c\u1ea7u. Cu\u1ed1i c\u00f9ng, vi\u1ec7c \u1ee9ng d\u1ee5ng h\u1ec7 th\u1ed1ng thanh to\u00e1n m\u1edbi s\u1ebd gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng ti\u1ebft gi\u1ea3m \u0111\u01b0\u1ee3c kh\u00e1 nhi\u1ec1u chi ph\u00ed giao d\u1ecbch c\u0169ng nh\u01b0 gi\u1ea3m thi\u1ec3u th\u1eddi gian trong qu\u00e1 tr\u00ecnh thanh to\u00e1n.<\/p>\n

Tr\u00ean th\u1ebf gi\u1edbi, \u1ee9ng d\u1ee5ng Ripple \u0111ang nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 quan t\u00e2m kh\u00e1 nhi\u1ec1u t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng. Nh\u00ecn chung, c\u00e1c ng\u00e2n h\u00e0ng \u0111ang trong giai \u0111o\u1ea1n nghi\u00ean c\u1ee9u ph\u00e1t tri\u1ec3n, \u0111\u00e1nh gi\u00e1 t\u00ednh kh\u1ea3 thi c\u1ee7a \u1ee9ng d\u1ee5ng m\u1edbi n\u00e0y. Hi\u1ec7n t\u1ea1i, 47 ng\u00e2n h\u00e0ng t\u1ea1i Nh\u1eadt B\u1ea3n \u0111\u00e3 \u00e1p d\u1ee5ng Ripple trong ho\u1ea1t \u0111\u1ed9ng giao d\u1ecbch thanh to\u00e1n li\u00ean ng\u00e2n h\u00e0ng; Ng\u00e2n h\u00e0ng qu\u1ed1c gia Abu Dhabi b\u1eaft \u0111\u1ea7u s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 n\u00e0y cho m\u1ed9t s\u1ed1 giao d\u1ecbch, \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi c\u00e1c giao d\u1ecbch xuy\u00ean bi\u00ean gi\u1edbi; 30 ng\u00e2n h\u00e0ng, trong \u0111\u00f3 c\u00f3 15 ng\u00e2n h\u00e0ng thu\u1ed9c nh\u00f3m 50 ng\u00e2n h\u00e0ng l\u1edbn nh\u1ea5t tr\u00ean th\u1ebf gi\u1edbi c\u0169ng \u0111ang tri\u1ec3n khai nh\u1eefng nghi\u00ean c\u1ee9u th\u1eed nghi\u1ec7m t\u00edch h\u1ee3p \u1ee9ng d\u1ee5ng n\u00e0y trong ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n; ng\u00e2n h\u00e0ng BBVA s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 blockchain trong c\u00e1c giao d\u1ecbch chuy\u1ec3n ti\u1ec1n gi\u1eefa T\u00e2y Ban Nha v\u00e0 M\u00ea hi c\u00f4;\u2026<\/p>\n

H\u1ec7 th\u1ed1ng \u0111\u1ecbnh danh ng\u01b0\u1eddi d\u00f9ng s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 Blockchain – \u1ee9ng d\u1ee5ng CIVIC.<\/em><\/p>\n

C\u00f4ng ngh\u1ec7 Blockchain v\u1edbi nh\u1eefng \u0111\u1eb7c t\u00ednh quan tr\u1ecdng nh\u01b0 \u0111\u1ea3m b\u1ea3o s\u1ef1 b\u1ea3o m\u1eadt, minh b\u1ea1ch, t\u00ednh n\u0103ng kh\u00f4ng b\u1ecb \u0111\u1ea3o ng\u01b0\u1ee3c, \u00e1p d\u1ee5ng s\u1ed5 c\u00e1i chia s\u1ebb v\u00e0 phi t\u1eadp trung c\u0169ng l\u00e0 m\u1ed9t h\u01b0\u1edbng \u0111i ph\u00f9 h\u1ee3p \u0111\u1ec3 \u1ee9ng d\u1ee5ng trong quy tr\u00ecnh \u0111\u1ecbnh danh ng\u01b0\u1eddi d\u00f9ng. Trong th\u1ef1c t\u1ebf hi\u1ec7n nay, \u0111\u00e3 c\u00f3 \u1ee9ng d\u1ee5ng CIVIC x\u00e2y d\u1ef1ng h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd \u0111\u1ecbnh \u0111anh \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 Blockchain \u0111\u01b0\u1ee3c v\u1eadn h\u00e0nh tr\u00ean n\u1ec1n t\u1ea3ng \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh Androi hay IOS.<\/p>\n

Quy tr\u00ecnh \u00e1p d\u1ee5ng h\u1ec7 th\u1ed1ng \u0111\u1ecbnh danh theo c\u00f4ng ngh\u1ec7 Blochain \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh nh\u01b0 sau:<\/p>\n

B\u01b0\u1edbc 1: M\u1ed7i ng\u01b0\u1eddi s\u1eed d\u1ee5ng \u0111i\u1ec1n th\u00f4ng tin c\u00e1 nh\u00e2n v\u00e0o m\u1ed9t m\u1eabu t\u1edd khai v\u00e0 th\u00f4ng tin n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef tr\u00ean h\u1ec7 th\u1ed1ng qu\u1ea3n tr\u1ecb \u0111\u1ecbnh danh ng\u01b0\u1eddi d\u00f9ng (v\u00ed d\u1ee5 nh\u01b0 CIVIC). \u0110\u00e2y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t c\u01a1 quan chuy\u00ean m\u00f4n h\u00f3a c\u00f3 ch\u1ee9c n\u0103ng thu th\u1eadp th\u00f4ng tin ng\u01b0\u1eddi d\u00f9ng v\u00e0 x\u00e1c th\u1ef1c th\u00f4ng tin kh\u00e1ch h\u00e0ng.<\/p>\n

B\u01b0\u1edbc 2: CIVIC cung c\u1ea5p cho m\u1ed7i ng\u01b0\u1eddi s\u1eed d\u1ee5ng m\u1ed9t ch\u1ee9ng ch\u1ec9 m\u00e3 h\u00f3a th\u00f4ng tin, sau \u0111\u00f3 nh\u1eefng ng\u01b0\u1eddi s\u1eed d\u1ee5ng c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng ch\u1ee9ng ch\u1ec9 m\u00e3 h\u00f3a n\u00e0y \u0111\u1ec3 ti\u1ebfn h\u00e0nh giao d\u1ecbch t\u1ea1i nhi\u1ec1u b\u00ean cung c\u1ea5p d\u1ecbch v\u1ee5 kh\u00e1c nhau (trong \u0111\u00f3 c\u00f3 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng).<\/p>\n

Vi\u1ec7c \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 Blockchain \u0111\u1ec3 thi\u1ebft l\u1eadp n\u00ean m\u1ed9t trung gian c\u00f3 ch\u1ee9c n\u0103ng \u0111\u1ecbnh danh ng\u01b0\u1eddi d\u00f9ng nh\u01b0 v\u1eady \u0111\u00e3 gi\u00fap gi\u1ea3m thi\u1ec3u th\u1eddi gian c\u0169ng nh\u01b0 chi ph\u00ed cho c\u00e1c b\u00ean cung c\u1ea5p d\u1ecbch v\u1ee5 nh\u01b0 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng trong vi\u1ec7c ph\u1ea3i thu th\u1eadp v\u00e0 x\u00e1c minh th\u00f4ng tin kh\u00e1ch h\u00e0ng. Ngo\u00e0i ra, v\u1edbi nh\u1eefng \u0111\u1eb7c t\u00ednh \u01b0u vi\u1ec7t c\u1ee7a c\u00f4ng ngh\u1ec7 Blockchain, h\u1ec7 th\u1ed1ng d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng n\u00e0y v\u1eeba \u0111\u1ea3m b\u1ea3o \u0111\u1ed9 chu\u1ea9n x\u00e1c, an to\u00e0n v\u00e0 b\u1ea3o m\u1eadt.<\/p>\n

V\u1edbi nh\u1eefng \u1ee9ng d\u1ee5ng n\u1ed5i b\u1eadt trong th\u1ef1c ti\u1ec5n nh\u01b0 v\u1eady, nhi\u1ec1u t\u1eadp \u0111o\u00e0n c\u00f4ng ngh\u1ec7 h\u00e0ng \u0111\u1ea7u nh\u01b0 Microsoft, Google, IBM c\u0169ng \u0111ang coi blockchain l\u00e0 xu h\u01b0\u1edbng trong t\u01b0\u01a1ng lai v\u00e0 vi\u1ec7c \u1ee9ng d\u1ee5ng blockchain b\u01b0\u1edbc \u0111\u1ea7u \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n trong nhi\u1ec1u l\u0129nh v\u1ef1c. \u0110\u1ed1i v\u1edbi c\u00e1c qu\u1ed1c gia tr\u00ean th\u1ebf gi\u1edbi, blockchain \u0111ang \u0111\u01b0\u1ee3c nghi\u00ean c\u1ee9u v\u00e0 th\u1eed nghi\u1ec7m \u1edf nhi\u1ec1u n\u01b0\u1edbc. Trong khu v\u1ef1c ch\u00e2u \u00c1, Trung Qu\u1ed1c, Singapore, v\u00e0 m\u1ed9t s\u1ed1 n\u01b0\u1edbc \u0111ang ti\u00ean phong trong vi\u1ec7c s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 blockchain.<\/p>\n

Ri\u00eang trong ng\u00e0nh ng\u00e2n h\u00e0ng, nhi\u1ec1u ng\u00e2n h\u00e0ng l\u1edbn tr\u00ean to\u00e0n c\u1ea7u \u0111ang s\u1eed d\u1ee5ng blockchain trong ho\u1ea1t \u0111\u1ed9ng. V\u00ed d\u1ee5 nh\u01b0 Ng\u00e2n h\u00e0ng Citibank – <\/strong>ng\u00e2n h\u00e0ng l\u1edbn th\u1ee9 t\u00e1m tr\u00ean th\u1ebf gi\u1edbi g\u1ea7n \u0111\u00e2y \u0111\u00e3 th\u00f4ng b\u00e1o \u0111\u00e3 \u0111\u01b0a ra th\u00f4ng b\u00e1o nghi\u00ean c\u1ee9u v\u00e0 ph\u00e1t tri\u1ec3n c\u00f4ng ngh\u1ec7 s\u1ed5 k\u1ebf to\u00e1n ph\u00e2n ph\u1ed1i trong v\u00e0i n\u0103m qua. Ng\u00e2n h\u00e0ng UBS \u0111\u00e3 tuy\u00ean b\u1ed1 \u0111\u00e3 m\u1edf m\u1ed9t ph\u00f2ng th\u00ed nghi\u1ec7m nghi\u00ean c\u1ee9u t\u1ea1i London d\u00e0nh cho vi\u1ec7c kh\u00e1m ph\u00e1 c\u00e1c \u1ee9ng d\u1ee5ng c\u1ee7a c\u00f4ng ngh\u1ec7 blockchain. Ng\u00e2n h\u00e0ng Barclays \u0111\u00e3 k\u00fd m\u1ed9t th\u1ecfa thu\u1eadn \u0111\u1ec3 th\u1eed nghi\u1ec7m c\u00e1c \u1ee9ng d\u1ee5ng c\u1ee7a c\u00f4ng ngh\u1ec7 blockchain. Ng\u00e2n h\u00e0ng Goldman Sachs \u0111\u00e3 th\u1eeba nh\u1eadn nh\u1eefng \u01b0u \u0111i\u1ec3m, nh\u01b0\u1ee3c \u0111i\u1ec3m c\u1ee7a Bitcoin nh\u01b0 m\u1ed9t lo\u1ea1i ti\u1ec1n t\u1ec7 trong m\u1ed9t b\u00e1o c\u00e1o ph\u00e1t h\u00e0nh v\u00e0o n\u0103m 2014 v\u00e0 c\u00f3 nh\u1eefng \u0111\u1ec1 xu\u1ea5t v\u1ec1 \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 n\u00e0y trong th\u1ef1c ti\u1ec5n. Ng\u00e2n h\u00e0ng Soci\u00e9t\u00e9 G\u00e9n\u00e9rale g\u1ea7n \u0111\u00e2y \u0111\u00e3 cho \u0111\u0103ng t\u1ea3i nhi\u1ec1u nghi\u00ean c\u1ee9u v\u1ec1 blockchains v\u00e0 cryptocurrencies,\u2026 T\u1ea1i Vi\u1ec7t Nam m\u1eb7c d\u00f9 ch\u01b0a \u0111\u01b0\u1ee3c \u1ee9ng d\u1ee5ng th\u1ef1c t\u1ebf song blockchain \u0111ang \u0111\u01b0\u1ee3c nghi\u00ean c\u1ee9u v\u00e0 ph\u00e1t tri\u1ec3n t\u1ea1i nhi\u1ec1u c\u00f4ng ty c\u00f4ng ngh\u1ec7.<\/p>\n

ThS. Nguy\u1ec5n Thu Trang<\/em><\/p>\n

ThS. Nguy\u1ec5n Th\u1ecb Minh Ng\u1ecdc<\/em><\/p>\n

ThS. Tr\u1ea7n Ng\u1ecdc Lan<\/em><\/p>\n

Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng<\/p>\n

\n

T\u00e0i li\u1ec7u tham kh\u1ea3o:<\/strong><\/p>\n

– T\u00e0i li\u1ec7u H\u1ed9i th\u1ea3o \u201cBlockchain \u2013 C\u00f4ng ngh\u1ec7 cho t\u01b0\u01a1ng lai v\u00e0 nghi\u00ean c\u1ee9u t\u00ecnh hu\u1ed1ng \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng\u201d c\u1ee7a C\u00f4ng ty Infinity Blockchain Labs;<\/p>\n

– B\u00e1o c\u00e1o Global Fintech report 2017 c\u1ee7a C\u00f4ng ty ki\u1ec3m to\u00e1n PwC.<\/p>\n","protected":false},"excerpt":{"rendered":"

Kh\u00e1i ni\u1ec7m v\u00e0 \u0111\u1eb7c t\u00ednh c\u1ee7a blockchain Kh\u00e1i ni\u1ec7m Blockchain (chu\u1ed7i kh\u1ed1i)\u00a0th\u01b0\u1eddng \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn tr\u00ean 3 kh\u00eda c\u1ea1nh kh\u00e1c nhau. Tr\u01b0\u1edbc h\u1ebft, x\u00e9t tr\u00ean kh\u00eda c\u1ea1nh kinh t\u1ebf, blockchain \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 m\u1ed9t cu\u1ed1n s\u1ed5 c\u00e1i c\u00f3 th\u1ec3 chia s\u1ebb, b\u1ea3o m\u1eadt v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng ch\u1ed1ng \u0103n c\u1eafp th\u00f4ng tin, trong \u0111\u00f3 ghi …<\/p>\n","protected":false},"author":3,"featured_media":1902,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[50],"tags":[],"_links":{"self":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/1901"}],"collection":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/comments?post=1901"}],"version-history":[{"count":1,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/1901\/revisions"}],"predecessor-version":[{"id":1903,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/1901\/revisions\/1903"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media\/1902"}],"wp:attachment":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media?parent=1901"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/categories?post=1901"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/tags?post=1901"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}