{"id":475014,"date":"2025-07-20T15:18:57","date_gmt":"2025-07-20T08:18:57","guid":{"rendered":"https:\/\/hoanghamobile.com\/tin-tuc\/?p=475014"},"modified":"2025-07-20T15:18:57","modified_gmt":"2025-07-20T08:18:57","slug":"apple-pay-la-gi","status":"publish","type":"post","link":"https:\/\/hoanghamobile.com\/tin-tuc\/apple-pay-la-gi\/","title":{"rendered":"Apple Pay l\u00e0 g\u00ec? C\u00e1ch th\u00eam th\u1ebb, thanh to\u00e1n v\u1edbi Apple Pay tr\u00ean c\u00e1c thi\u1ebft b\u1ecb h\u1ed7 tr\u1ee3"},"content":{"rendered":"

Trong th\u1eddi \u0111\u1ea1i c\u00f4ng ngh\u1ec7 s\u1ed1 b\u00f9ng n\u1ed5, vi\u1ec7c thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t d\u1ea7n tr\u1edf th\u00e0nh xu h\u01b0\u1edbng t\u1ea5t y\u1ebfu, mang l\u1ea1i s\u1ef1 ti\u1ec7n l\u1ee3i, nhanh ch\u00f3ng v\u00e0 an to\u00e0n cho ng\u01b0\u1eddi d\u00f9ng. Apple Pay \u0111ang d\u1ea7n chi\u1ebfm l\u0129nh th\u1ecb tr\u01b0\u1eddng to\u00e0n c\u1ea7u nh\u1edd kh\u1ea3 n\u0103ng t\u00edch h\u1ee3p s\u00e2u v\u1edbi h\u1ec7 sinh th\u00e1i thi\u1ebft b\u1ecb th\u00f4ng minh. N\u00ean sau \u0111\u00e2y, Ho\u00e0ng H\u00e0 Mobile<\/strong> s\u1ebd gi\u00fap b\u1ea1n hi\u1ec3u r\u00f5 <\/span>Apple Pay l\u00e0 g\u00ec<\/b>, c\u00e1ch th\u00eam th\u1ebb v\u00e0 h\u01b0\u1edbng d\u1eabn chi ti\u1ebft c\u00e1ch s\u1eed d\u1ee5ng tr\u00ean c\u00e1c thi\u1ebft b\u1ecb h\u1ed7 tr\u1ee3.<\/span><\/p>\n

Apple Pay l\u00e0 g\u00ec?<\/span><\/h2>\n

Apple Pay l\u00e0 m\u1ed9t d\u1ecbch v\u1ee5 thanh to\u00e1n di \u0111\u1ed9ng v\u00e0 v\u00ed \u0111i\u1ec7n t\u1eed \u0111\u01b0\u1ee3c Apple ph\u00e1t tri\u1ec3n, gi\u00fap ng\u01b0\u1eddi d\u00f9ng th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch nhanh ch\u00f3ng ch\u1ec9 b\u1eb1ng m\u1ed9t c\u00fa ch\u1ea1m nh\u1eb9. Ra \u0111\u1eddi l\u1ea7n \u0111\u1ea7u v\u00e0o n\u0103m 2014 t\u1ea1i M\u1ef9, Apple Pay \u0111\u00e3 nhanh ch\u00f3ng tr\u1edf th\u00e0nh gi\u1ea3i ph\u00e1p thanh to\u00e1n hi\u1ec7n \u0111\u1ea1i, \u0111\u01b0\u1ee3c \u01b0a chu\u1ed9ng nh\u1edd s\u1ef1 ti\u1ec7n l\u1ee3i v\u00e0 b\u1ea3o m\u1eadt v\u01b0\u1ee3t tr\u1ed9i. V\u1ec1 c\u01a1 b\u1ea3n, Apple Pay ho\u1ea1t \u0111\u1ed9ng d\u1ef1a tr\u00ean c\u00f4ng ngh\u1ec7 NFC (Near Field Communication), cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng ch\u1ec9 c\u1ea7n \u0111\u01b0a thi\u1ebft b\u1ecb l\u1ea1i g\u1ea7n m\u00e1y POS (m\u00e1y qu\u1eb9t th\u1ebb) \u0111\u1ec3 ho\u00e0n t\u1ea5t giao d\u1ecbch m\u00e0 kh\u00f4ng c\u1ea7n s\u1eed d\u1ee5ng th\u1ebb v\u1eadt l\u00fd.<\/span><\/p>\n

\"Apple-Pay-la-gi-1\"<\/picture><\/p>\n

M\u1ed9t trong nh\u1eefng \u0111i\u1ec3m n\u1ed5i b\u1eadt khi\u1ebfn Apple Pay \u0111\u01b0\u1ee3c tin d\u00f9ng l\u00e0 t\u00ednh n\u0103ng l\u01b0u tr\u1eef v\u00e0 m\u00e3 h\u00f3a th\u00f4ng tin th\u1ebb t\u00edn d\u1ee5ng, th\u1ebb ghi n\u1ee3 ho\u1eb7c th\u1ebb tr\u1ea3 tr\u01b0\u1edbc trong \u1ee9ng d\u1ee5ng Wallet tr\u00ean iPhone, iPad, Apple Watch v\u00e0 Mac. Khi thanh to\u00e1n, thay v\u00ec g\u1eedi tr\u1ef1c ti\u1ebfp th\u00f4ng tin th\u1ebb th\u1eadt, Apple Pay s\u1ebd t\u1ea1o ra m\u1ed9t m\u00e3 giao d\u1ecbch ri\u00eang bi\u1ec7t v\u00e0 duy nh\u1ea5t (token), gi\u00fap ng\u0103n ch\u1eb7n nguy c\u01a1 b\u1ecb \u0111\u00e1nh c\u1eafp th\u00f4ng tin. \u0110\u1ed3ng th\u1eddi, Apple Pay c\u00f2n h\u1ed7 tr\u1ee3 vi\u1ec7c x\u00e1c th\u1ef1c qua Face ID, Touch ID ho\u1eb7c m\u1eadt kh\u1ea9u, n\u00e2ng cao m\u1ee9c \u0111\u1ed9 an to\u00e0n cho m\u1ed7i giao d\u1ecbch.<\/span><\/p>\n

Apple Pay ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?<\/span><\/h2>\n

Apple Pay ho\u1ea1t \u0111\u1ed9ng d\u1ef1a tr\u00ean s\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa c\u00f4ng ngh\u1ec7 NFC, m\u00e3 h\u00f3a d\u1eef li\u1ec7u v\u00e0 h\u1ec7 th\u1ed1ng x\u00e1c th\u1ef1c sinh tr\u1eafc h\u1ecdc (Face ID ho\u1eb7c Touch ID). Kh\u00e1i ni\u1ec7m <\/span>Apple Pay l\u00e0 g\u00ec<\/b> \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n r\u00f5 qua c\u01a1 ch\u1ebf b\u1ea3o m\u1eadt: m\u1ed7i khi ng\u01b0\u1eddi d\u00f9ng th\u00eam th\u1ebb v\u00e0o Wallet, Apple s\u1ebd kh\u00f4ng l\u01b0u tr\u1eef th\u00f4ng tin th\u1ebb tr\u1ef1c ti\u1ebfp tr\u00ean thi\u1ebft b\u1ecb hay m\u00e1y ch\u1ee7. Thay v\u00e0o \u0111\u00f3, m\u1ed9t m\u00e3 s\u1ed1 thi\u1ebft b\u1ecb \u0111\u1ed9c quy\u1ec1n (Device Account Number) s\u1ebd \u0111\u01b0\u1ee3c g\u00e1n cho th\u1ebb, sau \u0111\u00f3 m\u00e3 h\u00f3a v\u00e0 l\u01b0u tr\u1eef an to\u00e0n trong con chip b\u1ea3o m\u1eadt c\u1ee7a thi\u1ebft b\u1ecb (Secure Element).<\/span><\/p>\n

\"Apple-Pay-la-gi-2\"<\/picture><\/p>\n

Khi th\u1ef1c hi\u1ec7n thanh to\u00e1n t\u1ea1i c\u1eeda h\u00e0ng, ng\u01b0\u1eddi d\u00f9ng ch\u1ec9 c\u1ea7n gi\u1eef iPhone ho\u1eb7c Apple Watch g\u1ea7n m\u00e1y POS h\u1ed7 tr\u1ee3 NFC. Giao d\u1ecbch s\u1ebd y\u00eau c\u1ea7u x\u00e1c th\u1ef1c qua Face ID, Touch ID ho\u1eb7c m\u1eadt kh\u1ea9u, \u0111\u1ea3m b\u1ea3o ch\u1ec9 ch\u00ednh ch\u1ee7 m\u1edbi c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n. H\u1ec7 th\u1ed1ng s\u1ebd s\u1eed d\u1ee5ng m\u00e3 giao d\u1ecbch duy nh\u1ea5t thay v\u00ec s\u1ed1 th\u1ebb th\u1eadt, gi\u1ea3m thi\u1ec3u nguy c\u01a1 r\u00f2 r\u1ec9 d\u1eef li\u1ec7u.<\/span><\/p>\n

\u0110\u1ed1i v\u1edbi giao d\u1ecbch tr\u1ef1c tuy\u1ebfn ho\u1eb7c trong \u1ee9ng d\u1ee5ng, Apple Pay cho ph\u00e9p thanh to\u00e1n nhanh ch\u00f3ng m\u00e0 kh\u00f4ng c\u1ea7n nh\u1eadp th\u00f4ng tin th\u1ebb nhi\u1ec1u l\u1ea7n. Ng\u01b0\u1eddi d\u00f9ng ch\u1ec9 c\u1ea7n ch\u1ecdn ph\u01b0\u01a1ng th\u1ee9c Apple Pay, sau \u0111\u00f3 x\u00e1c th\u1ef1c b\u1eb1ng Face ID ho\u1eb7c Touch ID. T\u00ednh n\u0103ng n\u00e0y \u0111\u1eb7c bi\u1ec7t h\u1eefu \u00edch khi mua s\u1eafm tr\u00ean c\u00e1c trang web ho\u1eb7c \u1ee9ng d\u1ee5ng h\u1ed7 tr\u1ee3 Apple Pay, mang l\u1ea1i tr\u1ea3i nghi\u1ec7m m\u01b0\u1ee3t m\u00e0 v\u00e0 li\u1ec1n m\u1ea1ch.<\/span><\/p>\n

C\u00f3 s\u1eed d\u1ee5ng Apple Pay t\u1ea1i Vi\u1ec7t Nam \u0111\u01b0\u1ee3c kh\u00f4ng?<\/span><\/h2>\n

T\u1eeb ng\u00e0y 8\/8\/2023, Apple Pay ch\u00ednh th\u1ee9c \u0111\u01b0\u1ee3c tri\u1ec3n khai t\u1ea1i Vi\u1ec7t Nam, m\u1edf ra k\u1ef7 nguy\u00ean m\u1edbi cho thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t trong n\u01b0\u1edbc. Vi\u1ec7c Apple Pay c\u00f3 m\u1eb7t t\u1ea1i Vi\u1ec7t Nam c\u0169ng khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi b\u1eaft \u0111\u1ea7u t\u00ecm hi\u1ec3u <\/span>Apple Pay l\u00e0 g\u00ec<\/b> v\u00e0 nh\u1eefng ti\u1ec7n \u00edch m\u00e0 n\u00f3 mang l\u1ea1i.\u00a0<\/span><\/p>\n

\"Apple-Pay-la-gi-3\"<\/picture><\/p>\n

Hi\u1ec7n nay, nhi\u1ec1u ng\u00e2n h\u00e0ng l\u1edbn t\u1ea1i Vi\u1ec7t Nam \u0111\u00e3 h\u1ed7 tr\u1ee3 Apple Pay nh\u01b0 Vietcombank, Sacombank, Techcombank, VPBank, MBBank\u2026 Nh\u1edd v\u1eady, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng li\u00ean k\u1ebft th\u1ebb t\u00edn d\u1ee5ng ho\u1eb7c ghi n\u1ee3 v\u1edbi Apple Pay, s\u1eed d\u1ee5ng cho c\u1ea3 thanh to\u00e1n t\u1ea1i c\u1eeda h\u00e0ng l\u1eabn online. Ngo\u00e0i ra, c\u00e1c c\u1eeda h\u00e0ng, si\u00eau th\u1ecb, chu\u1ed7i caf\u00e9 l\u1edbn nh\u01b0 Starbucks, Highlands Coffee, McDonald’s… c\u0169ng \u0111\u00e3 trang b\u1ecb m\u00e1y POS t\u01b0\u01a1ng th\u00edch, gi\u00fap kh\u00e1ch h\u00e0ng tr\u1ea3i nghi\u1ec7m d\u1ecbch v\u1ee5 tr\u1ecdn v\u1eb9n.<\/span><\/p>\n

V\u1edbi s\u1ef1 ph\u1ed5 bi\u1ebfn ng\u00e0y c\u00e0ng t\u0103ng c\u1ee7a c\u00e1c thi\u1ebft b\u1ecb Apple nh\u01b0 iPhone, iPad v\u00e0 Apple Watch t\u1ea1i Vi\u1ec7t Nam, Apple Pay nhanh ch\u00f3ng tr\u1edf th\u00e0nh m\u1ed9t l\u1ef1a ch\u1ecdn h\u1ea5p d\u1eabn. \u0110\u1eb7c bi\u1ec7t, ng\u01b0\u1eddi d\u00f9ng kh\u00f4ng c\u00f2n ph\u1ea3i mang theo nhi\u1ec1u th\u1ebb v\u1eadt l\u00fd, gi\u1ea3m thi\u1ec3u r\u1ee7i ro m\u1ea5t th\u1ebb ho\u1eb7c b\u1ecb \u0111\u00e1nh c\u1eafp th\u00f4ng tin. B\u00ean c\u1ea1nh \u0111\u00f3, Apple Pay c\u00f2n h\u1ed7 tr\u1ee3 thanh to\u00e1n online tr\u00ean c\u00e1c \u1ee9ng d\u1ee5ng v\u00e0 website trong n\u01b0\u1edbc, ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u mua s\u1eafm, \u0111\u1eb7t \u0111\u1ed3 \u0103n hay thanh to\u00e1n h\u00f3a \u0111\u01a1n.<\/span><\/p>\n

Apple Pay c\u00f3 an to\u00e0n kh\u00f4ng?<\/span><\/h2>\n

M\u1ed9t trong nh\u1eefng y\u1ebfu t\u1ed1 l\u00e0m n\u00ean th\u00e0nh c\u00f4ng c\u1ee7a Apple Pay ch\u00ednh l\u00e0 kh\u1ea3 n\u0103ng b\u1ea3o m\u1eadt v\u01b0\u1ee3t tr\u1ed9i. Khi t\u00ecm hi\u1ec3u <\/span>Apple Pay l\u00e0 g\u00ec<\/b>, nhi\u1ec1u ng\u01b0\u1eddi s\u1ebd th\u1ea5y r\u1eb1ng Apple \u0111\u00e3 x\u00e2y d\u1ef1ng h\u1ec7 th\u1ed1ng b\u1ea3o m\u1eadt nhi\u1ec1u l\u1edbp \u0111\u1ec3 b\u1ea3o v\u1ec7 th\u00f4ng tin ng\u01b0\u1eddi d\u00f9ng, t\u1eeb vi\u1ec7c m\u00e3 h\u00f3a \u0111\u1ebfn x\u00e1c th\u1ef1c sinh tr\u1eafc h\u1ecdc.<\/span><\/p>\n

Khi th\u00eam th\u1ebb v\u00e0o Apple Pay, th\u00f4ng tin th\u1ebb s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef tr\u1ef1c ti\u1ebfp tr\u00ean thi\u1ebft b\u1ecb hay m\u00e1y ch\u1ee7 c\u1ee7a Apple. Thay v\u00e0o \u0111\u00f3, Apple t\u1ea1o m\u1ed9t “m\u00e3 s\u1ed1 t\u00e0i kho\u1ea3n thi\u1ebft b\u1ecb” (Device Account Number) ri\u00eang bi\u1ec7t, l\u01b0u tr\u1eef an to\u00e0n trong con chip Secure Element. Trong m\u1ed7i giao d\u1ecbch, thay v\u00ec g\u1eedi s\u1ed1 th\u1ebb th\u1eadt, Apple Pay s\u1ebd d\u00f9ng m\u1ed9t m\u00e3 giao d\u1ecbch \u0111\u1ed9ng \u0111\u1ed9c nh\u1ea5t (dynamic security code), gi\u00fap h\u1ea1n ch\u1ebf r\u1ee7i ro b\u1ecb l\u1ed9 th\u00f4ng tin.<\/span><\/p>\n

\"Apple-Pay-la-gi-4\"<\/picture><\/p>\n

Th\u00eam v\u00e0o \u0111\u00f3, y\u00eau c\u1ea7u x\u00e1c th\u1ef1c qua Face ID ho\u1eb7c Touch ID tr\u01b0\u1edbc khi thanh to\u00e1n c\u0169ng \u0111\u1ea3m b\u1ea3o ch\u1ec9 ch\u00ednh ch\u1ee7 m\u1edbi c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng. Ngay c\u1ea3 khi thi\u1ebft b\u1ecb b\u1ecb m\u1ea5t, k\u1ebb x\u1ea5u kh\u00f4ng th\u1ec3 thanh to\u00e1n n\u1ebfu kh\u00f4ng v\u01b0\u1ee3t qua \u0111\u01b0\u1ee3c l\u1edbp b\u1ea3o m\u1eadt sinh tr\u1eafc h\u1ecdc ho\u1eb7c m\u1eadt kh\u1ea9u.<\/span><\/p>\n

M\u1ed9t t\u00ednh n\u0103ng kh\u00e1c gi\u00fap t\u0103ng c\u01b0\u1eddng b\u1ea3o m\u1eadt l\u00e0 kh\u1ea3 n\u0103ng kh\u00f3a thi\u1ebft b\u1ecb t\u1eeb xa th\u00f4ng qua Find My, ph\u00f2ng tr\u01b0\u1eddng h\u1ee3p th\u1ea5t l\u1ea1c. Apple c\u0169ng cam k\u1ebft kh\u00f4ng l\u01b0u ho\u1eb7c chia s\u1ebb th\u00f4ng tin giao d\u1ecbch v\u1edbi b\u00ean th\u1ee9 ba, gi\u00fap ng\u01b0\u1eddi d\u00f9ng y\u00ean t\u00e2m tuy\u1ec7t \u0111\u1ed1i.<\/span><\/p>\n

C\u00e1c thi\u1ebft b\u1ecb h\u1ed7 tr\u1ee3 Apple Pay l\u00e0 g\u00ec?<\/span><\/h2>\n

\u0110\u1ec3 s\u1eed d\u1ee5ng Apple Pay, thi\u1ebft b\u1ecb c\u1ea7n h\u1ed7 tr\u1ee3 c\u00f4ng ngh\u1ec7 NFC v\u00e0 t\u00edch h\u1ee3p Secure Element. H\u1ea7u h\u1ebft c\u00e1c s\u1ea3n ph\u1ea9m Apple \u0111\u1eddi m\u1edbi \u0111\u1ec1u \u0111\u00e3 \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u n\u00e0y.<\/span><\/p>\n