NGHIEN CUU - TRAO D 6 | n Thanh Oirc, Khoa He thdng HQL - Hoc vien Ngin hing
vKhai pha tien trinh va vai tro trong quan ly tien trinh nghiep vu - BPM
Tom t^t: Giai phap BPM bao g6m mpt tap hop cong eu dtfpc tich hpp de thiet k^, xay dung va quan ly cac tien trinh nghiep vy trong doanh nghiep mpt each toi liU, hieu qua. Vong ddi phat trien cua BPM bao gdm: thiet ke, cau hinh, thife thi, 6\ku khien va chan doan tien trinh. V4 mat ly thuyet thi cac cong cu phat trien BPM c^n phai eung c^p hoan chinh cae bade trong vong ddi phat trien, tuy nhien tren thiic te cac cong cu BPM hien khong co kha nang h6 trp d^y du cac vong ddi. Vin tbn tai nhiJng khoang trdng trong chuyen doi giu'a cac giai doan khac nhau nhu ehuyen giao thong tin
tiS moi trudng thiet ke sang thUc thi, hay hd trp giUa giai doan thiet ke lai va chuan doan ... Bai vietnay phSn tich chi tiet hon cac van de, 6h xuat giai phap giai quyet eae han che nay.
1. BPM va vong ddi BPM
BPMl la mdt giai phip md hinh hda, h/ddng hda, quan ly va tdi Uu hda hen trinh nghigp vu nhim dem lai loi ich Idn nhat eho mpi td ehflc hay mdt doanh nghiep. Xet v l m|t quan ly, BPM II cieh tiep can cd he thdng nham giflp cae td ehflc/doanh nghigp tgu chuan hda, tdi Uu hda eae tiln trinh hoat ddng vdi muc dich giam chi phi, ting chit luang hogt ddng nhim dat dupc eac muc tdu cin thilt. Ve mat cdng nghg, BPM II mdt bp cdng eg giiip td chtfc/doanh nghigp ttiiet k l , md hinh hda, friln khai. giam sat, vin hlnh va eai tiln cic tiln trinh nghigp vu mdt cich lmh hoat ddi vdi sfl biln ddng ciia mdl frudng hogt ddng [1],Theo khao sat cic giai phip BPM hign dang r i t duoe cae nhi nghien ctfu trgn thi gidi quan tim va cd quy md tang trudng rat nhanh. Theo Gartner - Tap ehi v l khoa hpc cho biet, thi frudng the gidi cua BPM nim 2007 dgt mdc 1 ty USD v l dy bao nim 2018 con sd do se la 7 ly USD [2].
CIc hoat ddng nghiep vu frong td chfle duoc xiy dung v l quan ly tuin theo mdt vdng ddi phlttnin, Mic dii cd nhilu quan diem khac nhau, luy nhten phin Idn cie hudng nghidn ciiu trgn thi gidi siJf dung vdng ddi phat tnen cua Aalst2. Theo Aatst [3], vdng ddi phit tnen cua BPM duac thuc hign thong qua nam giai doan: Thiet ke t i n trinh; Clu hinh llln trinh; Thflc thi liln frinh; Dilu khiln ten tiinh v l Chin doan tiln frinh.
DMign y ^ ^ ExKul
^ Otoono«lt Confeol ^ J
Hinh 1. Vong ddi cua BPM [3]
Thiet ke tien trinh - Design: Neu ten trinh chfla tdn tai thi giai doan niy se tgo ra mdt tiln trinh mdi, cdn nguac lai thi muc tigu cua giai doan nay la khic phuc nhflng diem ylu kem ciia tien trinh hien tai. Theo hinh 1 giai doan niy nim giifa hai giai dogn cau hinh v l chan doan, tUc t l diu vao tfl giai doan chin doin dflpc sit dung d l xae flmh ca hdi eai ten edn diu ra dupc SLf dyng cho giai doan cau hinh Trong giai doan thilt ke so dd ludng nghiep vu dUPc xac dmh, trong dd md ta rd thfl tfl thflc hien v l ngudi thuc hien.
Cau hinh t i n frinh - Configuration: Giai doan niy tap trung vao cic die diem chi tilt ciia cie ten frinh da dupe thiet kl.Trong khi giai doan thilt ke nhan manh tdi h'nh logic v l xac dmh cie t l i nguygn can thiet cho tien frinh,giai doan cau hinh nhan manh vao thay ddi cae tham sd de phu hop vdi cic he tiidng thdng tn eu the, Hai giai doan thiet k l v l eau hinh nen sfl dung cimg mdt cdng cy phat tiien de qua frinh chuyin ddi tien trinh tflttiill ke sang clu hinh dat higu qua eao.
Thyc thi lien trinh - Execution: Trong giai doan thyc thi, cic ludng cdng vigc d l dupc cau hinh se dupe ehuyin ddi d l dupe v^n dung vao cac hogt ddng frong thgc t l . Ol thuc Ihl ludng cdng viee khdng ehi ein 63 ligu dinh nghTa ten frinh ml cdn cin dif heu ngfl canh v l mdi trfldng m l cic hg thdng BPM tuang tic. CIc dif heu nay bao gdm:
thdng t n ciia eae hogt ddng, tinh sin sing eiia eac ngudn t l i nguyen va dich vy ben trong cung nhU ben ngoai hg thdng. Giai doan thyc thi ciia hg thdng BPM xic dinh diJ hgu ngif canh v l vin dung nd vao cac thi hign cu the cua ludng cdng vigc.
Kilm solt ten frinh - Confrol: Giai dogn niy kilm solt vigc ttiue thi cic hoat ddng ciia tiln trinh nghiep vu, mdt mat theo ddi trgn tflng trudng hap neng le d l cd thi dUa ra phan hdi ve tinh frang cua mdi trudng hap vl mit khic tap hop eac dtf heu thuc thi d l c6 t h i tinh duoc higu suit hien tai cQa ludng cdng vigc. Thdng tn v l thuc thi cic hogt ddng cd thi duae sfl dgng lam diu vio cho giai doan chan doan, tuy nhien nd eung ed t h i duac sii dung de thuc hign eae thay ddi frong eic hoal ddng ciia tiln frinh, vi du mdt lac nghgn tam thdi khong nhat thilt phai ygu ciu thiet k l lai ten frinh nhung nd cd till ygu elu bd sung tai nguygn hogc cac bign phip XLf ly true tiep khic. Do dd giai dogn dilu khiln cung cd till cung cap diu vao ngUpc lai cho giai doan thuc thi.
Chin doan ten trinh - Diagnosis: Giai dogn chan doin sD' dung cac ttidng tn thu tii$p
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NGHIEN CUtl • TRAO D 6 |
dflpc frong giai dogn kilm solt d l xic dmh cac dilm ylu frong qui frinh hogt ddng, do dd giai doan nay t i p trung vao dfl hgu higu suit tdng hpp eiia ten trinh chtf khong phai la dfl ligu cua tifng frudng hop c l bigt. Day la mdt (inh vflc frong khai pha tiln frinh, kmh doanh thdng minh, kho dfl ligu v l ele ky thu$t khai pha dfl heu ed dien. Thdng tn cua giai doan chin doan cung cap y ludng cho hogt ddng thill k l lai nhim giai quylt cic van d l tdn dpng trong ban thilt ke trude, t v b a i trong vong ddi BPM
Hinh 2: Vong ddi BPM trong thQc te Hinh 2 mo la cich mdt liln frinh hoal ddng Irong thflc te (operatonal process) Iflong tie vdl cic he thdng thdng tin (information system), hg thdng thdng tn ed thi hd trP vl/hogc dieu khiln (supports/controls) sfl hoal ddng eua cic tien trinh. Khi ngUdi dung tuang tac vdi eac hg thdng thdng tin d l thuc till cic ten frinh nghiep vu, moi diu vet thflc hign deu dflOc Iflu lai (records) frong nhal ky su kign (event logs), nhit ky sU kien md ta mdt cich khich quan nhit nhflng gi dang thuc sy xay ra frong hg thdng.
Kha nang ti/ong tic giila cac giai dogn t l vd citng quan trpng, tuy nhign, khi flng dung vdng ddi phil friln BPM vao frong thUe t l cac nha nghign cflu nhgn thay cd rat it su hd trQ gifla giai doan chan doan va giai doan tiiiet k l . Mat khac, ehuyen cic thdng tn cd hgn quan din hogt ddng cua tiln trinh fren thyc t l (event logs) eho qui trinh thilt ke hau nhu khdng dflpc hd fro. Dilu nay phit smh hai vin d l eiia vong ddi BPM nhU sau:
Vin de 1: Cac thdng t n trong nhal ky sfl kien holn toln khdng dUOC sif dung trong vigc thay ddi, chinh sfla hogc ttiiet ke lai md hinh tien frinh frongtie ttidng BPM.
Van d l 2: Giai dogn thilt k l duPC hd fro bdi mdt cdng cu ed hd fro do hoa cho phep cac nhi thiet k l cd the chij ddng thay ddi mdt ten trinh hien cd, Tuy nhign, cic cdng eu niy ehua hd tra kiem fra. dinh gil sy phu hop va higu qua cua ele thay ddi nay. Oieu nay lam giam ding k l tinh khi thi cija cie hen trinh khi dUa vao clu hinh frgn cac he thdng thdng tn.
CIc nhi nghign cflu thay ring eich duy nhit de giai quylt nhifng van d l nay la kit ndi thiet ke vdi thyc t l . life la moi y tudng thay ddi, ehinh sCfa hole thiet ke lai md hinh tiln trinh eung nhfl vigc dinh gil md hinh mdi diu phai dua fren cic thdng tin khich quan frong nhat ky sfl kign Do dd eac nha nghign cflu d l xuat sfl dung cie kit qua nghign eifu dat dupe gin diy frong ITnh vflc khai phi tiln trinh cua Aalst v l cdng sU [7][121.
3. Khai pha tl^n trinh
3.1. Mdt so khil niem can ban vi khai phi tien tinh
Khai phi hen frinh 11 mdt IFnh vUC nghien eflu mdl quan he gifla cIc thflc the nhu hg tidng thdng tin, t i n trinh hoat ddng, cic ban ghi su kien v l md hinh ten trinh. Aalst da dmh nghTa khai pha tien trinh la mdt linh vUc nghign cflu gifla hoc may v l khai pha dfl lieu, nd bao gdm eac ky thugt, cdng eu v l phuong phip nhim phat hien, theo ddi, eai thign cie liln frinh thuc t l [4].
Hmh 3: Khai pha ben tinh ket noi md hinh va nhit kysu kien
Khai pha ten trinh dUOc thue hien bing cich ttiu nhin In thifc tfl cic bin ghi su kien cd sin frong hg ttidng ttidng tin hien ttidi, d l phin lich tiln trinh, phit hign nhifng van d l sai Igch tii dd d l xuat dilu ehinh, thilt k l lai ten frinh mdt each chinh xic han mang lai
hieu qua edng viec cao hon. Vdi nhifng loi ich ma nd mang lai, khai phi tiln frinh dang frd thanh mdt trong nhflhg hudng nghien cflu thu hilt dfloc su quan Ilm ciJa cie nha nghien cflu linh vUC quan ly tiln frinh nghigp vu nham giai quylt cie vin d l tdn lai trong chu trinh phat Inin vdng ddi BPM.
Cac thinh phin can ban cua khai pha tiln trinh bao gom ban ghi su kien (event log) va mo hinh liln trinh (process model).
Ban ghi sfl kien cdn goi II ban ghi ludng cdng vigc II mdl frong nhiJng thanh phin chinh cua cac ky thuit khai pha tiln trinh.
CIc ban ghi niy luu dau lai ele thao tic thyc hign cua ngUdi dung khi tuong tic vdi hg thdng va dupe luu trfl ttieo mdt eau true nhat dmh, Trong cau trtic nhat ky sy kign, mpt qui frinh bao gdm nhilu frfldng hPp (case) hay cOng cd the goi II dau vet. Chung ttie hien mdt phien Ilm vide cua ngfldi diing frong he thdng, Mpt trudng hop ed ttil chfla nhilu sU kign (events) dUPC sip xep theo trinh tu thuc hign, mdi sU kign chfla mdt sd thupc tinh (ati:ributes) nhu tgn hogt ddng (activity), thdi gian (time), chi phi (cost),,, Oinh dang duoc sif dung de Iflu trfl cic ban ghi su kign trong mdi he thdng thfldng la khae nhau, dieu nay lam cho vigc chia se v l frao ddi thong tin gifla cic cdng cu gap khd khan v l lam tang ehi phi eua qui frinh phin tich khai pha ten trinh. Do do, nam 2003 mdt dmh dang da dflOc d l xuat bdi Medeiros, Ana Karia va Van der Aalst v l trd thanh djnh dang ehuan cho eic ban ghi sfl kign, dd la Mining extensible Markup Language (MXML) [5]. MXML dfla trgn XML v l ed thi duoc sCf dung d l luu frfl bit ky thdng tn nao cd lien quan den cac sU kien v l cic ten trinh. MXML II dmh dang duoc hd fro bdi hiu hit eac cdng cy phin tich khai phi tien frinh, ching hgn nhu ProM Md hinh tien frinh II thanh phin quan frong thU hai eua ky thuat khai phi tiln trinh, md hinh II mdt sU bilu diln trifu tUpng v l tiln trinh thue hien trong thUe te. Mdt md hinh cd thi II ket qua ciia ky thuit khai pha tien trinh hoac II san phim dUPc thilt ke mdt cieh thO cdng bdi mdt nhdm cac nha thilt k l ed kmh nghidm. Myc dich cua khai phi bin trinh la d l md rong md hinh tiln frinh, do Ifldng chit luong cua nd hay de cai ttiien ning cap. Md hinh ten trinh thfldng dUPe bilu diln bing mang Pefri, do Carl Adam
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HOWtN C l h l • TRAO o6i
Pefri dg xuat vio nim 1962 [41. Mang Petri duac xem II mdt ngdn ngfl mang tinh tflOng trung cao va d l ding giao tiep giifa cac nha thiet ke khae nhau tren thi gidi cung nhu thuan loi cho ngudi su' dung. Hien nay cd nhilu phuong phap dupc diing d l phan tich mang Petri va ed nhilu edng eu cd the chuyen ddi nhifng ngdn ngfl md hinh khic thanh mgng Pefri.
3.2. Cac bai toan tong khai pha tien tinh Khai phi tiln frinh duoc chia thanh ba bli loan chinh gdm: Phil hign ten frinh (process discovery); Kilm tra sU phii hap (comformance checking) va Cai liln md hinh (enhancement).
Hinh 4: Ba bai toan trong khai phi tien
Bai toln thfl nhat - Phat hign tien trinh: bai toln niy dUa tren diu vio II nhat ky sU kign de xay dung ngn md hmh tiln trinh md la cic hlnh VI frong nhit ki sukign. Trong nhal ky sy kign, ele ban ghi II sfl phan chilu cua cae hogt ddng frong hg tiidng, Cac hogt dpng frgn thflc le nay ehua duoc md la frong mdl md hinh nao, do viy muc dieh eua bai toln niy la xay dung mdt md hinh nhim mo ta nhflhg gi dang thfle sfl xay ra dua trgn eic ban ghi su kien ma khdng phu thudc vao bat cfl thdng tm tign nghiem nao.
Bai toln ttifl hai - Kilm tra sy phij hap: bai toln nay so sinh md hinh duac phat hign bdi nhat ky sfl kien vdi md hinh ly thuyet cd thdng nhat v l phii hpp vdi nhau hay khdng.
Kit qua cua kiem fra sy phii hap dupe sir dung d l kham phi, dmh vi, giai ttiich sai Igch v l do Ifldng mflc dd nghigm trpng cua cac sai lech niy nham hd trp cho viee eai t i n t i n frinh.
Bli loan ttifl ba - Cai ten md hinh: lu Ifldng bli loan niy la md rdng hole cai tiiign mdt md hinh t i n frinhbang each SLf dyng Ihdng tin frong qua trinh thuc thi tiln trinh da dUOc ghi lai frong nhat ky su kign. Cli tiln md hinh nhim muc dich ttiay ddi hole md rpng md
hinh frude dd de cd dupe sfl phan Inh tdt hPn trong thuc t l ,
4. Dong gop oua khai pha ti§n trinh Irong vong ddi BPM
Khai pha tien frinh dac biet phii hpp vdi vigc phit frien bli toln thilt k l lai thdng mmh (intelligent redesign), Muc dich ciJa thilt k l lai thdng mmh la sfldung ea thiet ke ban diu v l cac kit qua phin lich dflpc dya trgn cic dfl ligu lich sfl trong md hinh v l nhat ky sfl kien. Dilm khdi diu ciia thiet ke Igi thong mmh la tap cac quy lie Ihiet ke Igi.
en trinh L'°*"J ' 1 • "'J
Hinh 5: Mdi hen he giQa khai pha hen tinh va tiiiit ke lai thdng mmh CIc bfldc IhUC hign frong ttiilt k^ lgi ttidng mmh:
BQdc 1: Xac dmh l i p cac quy tie thill ke lai (redesign rules). Trong bUde diu ten niy, dilu kien tdn quyel eiia t i t ca eae quy tie thiet k l lai dfloc kilm tra trong ngfl eanh mdt t i n frinh cu the, tuy nhien cie dilu kien tien quylt cung cd the tham chilu tdi ele tien trinh dang dUPc thuc thi, nghTa 11 md hinh ket hap khong bi gidi hgn trong vigc thiet ke va md rdng tien trinh, BQdc 2: Chon loc cae quy lie tiiill k l Igi. Tfl cac eo hdi dflpc xac djnh trong bfldc diu ten tli Ifla ehon diu hen duoc thflc hiln, lya ehon niy dya fren eic hieu flhg mong mudn eua viee flng dung ele quy lie v l vigc nhin thflc dflOc cae van d l xay ra. Lufl y ring mdt quy tic ttiilt k l lai CO till dupe ap dyng tai nhilu bfldc ciia ten frinh v l vigc lUa chpn eic quy tie Ihiel ke lai la mdt t i n trinh lUPng lac.
BQdc 3: Tao Ihilt ke lai. Sau khi Ifla chon eac quy tic tiiilt ke lai, cae nhi thiet k l stf dung phin chuyen ddi ciia cic quy tic thiet
ke de tgo ra cic ttiiet k l lai khae nhau.
BQdc 4; Dinh gil ttiilt k l lai, Sau khi lao ra cac thiet k l lai, mdi thiet ke nay se dupc dinh gia bang cich sfl dgng mo phdng, ttidng qua viec md phdng cd the dg doan dupe higu flng cua thiet ke lai trong mpt ngfl canh cu thi, CIc chi sd hieu suit sfl dgng de md ta nhflng tic dpng du kiln eiia mpt thiet ke lai la rat quan frong vi eho phep do Ifldng dUPc hieu qua eua mdi md hinh ttiiet k l Igi.
BQdc 5: Lfla chpn ten frinh ttiilt k l lgi. Sau khi dinh gia higu qua eua cic thiel k l lai, se cd hai frudng hop cd thi xay ra: mpt II ttiill k l lai se dflOc khao sat them, hai II thilt kl lgi se dupe ehuyin cho cic nhi thiet kl. Tat ca thilt k l lai duoe chon se duoc lip hopvl ehuyin cho diu vio eua budc 6.
BQdc 6: Trinh biy cac thiet k l lai duoe chpn.
Trong bfldc eudi eung, cac thiet ke dupc chpn se duac trinh bay eho cic nha thilt ke, nha thiet ke cd thi tnh chinh lgi eho phfi hpp hole cd the khdi dpng Jai thii tuc vdi diu vio khIe nhau.
Trong bude 1 v l bude 4 cua liln frinh thiet k l lai thdng mmh, nhat ky sy kien ddng mdt vai Ird quan trong. Md hinh kit hPp frong bfldc 1 dfla fren mdt phin ciia chi sd higu suit bit ngudn tfl cic hoat ddng cua ten tiinh ttiflc. Qui trinh md phdng frong bUdc 4 phai dfla fren dfl heu ttiu ttilp dUpc Ifl ben frinh thuc le. Nhfl trinh biy d hinh 5, ttiill kl lai thdng mmh dUa vio tiln frinh hien tai, cac luat thill ke lai va elu fri ldi cua cic van de.
Cae elu hdi cd the ehi lign quan den md hlnh nhfl xac djnh t i n trinh. md hinh td chflc;
hole ehi lien quan ldi nhit ky su kign nhu ludng thdi gian, tin sd ttiUc hidn; hogc lign quan tdi ca md hinh v l nhit ky sy kien nhif xic dinh tien trinh trong mdl ngfl canh thi/c t l cua cupe sdng.
Hinh 5 d l elp tdi giai dap nhifng vin de ciia phan ti'ch dfla md hinh, phan tich di^ ban ghi va phin ti'ch dya md hinh v l ban ghi, Phin tich dua md hinh la hinh thfle co diln eiia md phdng, chl sd hieu suit dUoe ude ti'nh tf mpt md hinh holn loin khdng ed sfl kit ndi vdi mdl trudng ttidi gian ttiUc. Phin tch dUa ban ghi thfldng sii dung eic truy vin don giln hogc tinh loan mpt vai thdng tin thdi gian thuc frong co sd dfl lieu, phan tich dua ban ghi thudng dflpc siJf dyng Irong kho dfl ligu, giam sit hoat ddng kinh doanh hogc kmh
14 • TAP CHI TIN HPC NGAN HANG • s6 4(144) • 5/2014
NGHIEN CO\l • TRAO o 6 l
doanh thdng mmh. Phin ti'eh dfla md hinh v l ban ghi cd ging ket hop md hinh tgn nghiem vdi cac thdng tin thdi gtan thuc, hinh thfle phin tich nay ed hen quan chat che ldi bli toln tang cudng md hinh trong khai pha tiln trinh.
5. Kol luan
BPM 11 mdl hudng mdi trong tnen khai flng dung cdng nghg thdng hn tai eac td chfle doanh nghiep, giup ho quan ly eic tien trinh nghigp vu mdt cich chit che v l higu qua. Cung vdl su trp giflp eiia khai phi t i n frinh, sflc mgnh eua BPM ngiy cing dfloc eung cd v l phat triln, cie tien trinh nghiep vu ludn dupe eai ten d l ed thi phu hpp nhit vdi thflc t l v l mang Igi nhilu Ipi ich nhit cho cic td chflc doanh nghigp. Vdi nhtfng kit qua dat dflOc frong hOn mdt thap ky qua, ehle chin trong mpi tUPng lai khdng xa BPM v l khai phi tiln trinh se phat tnen manh me hPn nfla va se II sfl lua chpn ldi uu cho cic hoal dpng flhg dung edng nghe thdng tn lgi cic td chfle doanh nghiep.
TAJ LI^U THAM KHAO
[I] Phan Thanh Oflc, Mai Tan Tli (2013) Giat phip BPM - Xu hudng mdi frong hoat dpng phit tnen san pham djch vu lai he Ihdng ngan hing. Tap ehi Khoa hpe v l Olo tgo Ngin hing.
86132,5/2013.
[2] ResearchMoz - http://www.prweb,eorri/releases/2013/6/prwebl0834399.htm [3] Wil M,P, van der Aalst, Manska Neties, and Hajo A. Reijers, Supporting ttie Full BPM Life- Cycle UsingProcess Mining and Intelligent Redesign.
[41VI/MP Van der Aalst (2011). Process Mining: Discovery, Conformance and Enhancement of Business Processes, Sprmger.
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[6] Alan R. Hevner, Salvalore T. March, Jinsoo Park, Sudha Ram (2004). Design Science m Information Systems Research. MIS Quarterly 28(1): 75-105.
17) Van der Aalst, W. and Weijters, A. (2004) Process mining: a research agenda. Computers m Industi^, 53, 3, 231-244.
[8] R. P, Jagadeesh Chandra Bose, Wil M. P. van der Aalst (2009). Trace Clustenng Based on Conserved Patterns: Towards Achieving Better Process Models. Business Process Management Workshops 2009:170-181.
[9] R. P. Jagadeesh Chandra Bose, Wil M. P. van der Aalst (2009). Context Aware Trace Clustering: Towards Improving Process Mining Results. SDM 2009:401412.
[10] R. P. Jagadeesh Chandra Bose, Wil M. P. van der Aalst (2010). Trace Alignment m Process Mining: Opportjnities for Process Diagnostics. BPM 2010: 227-242.
[ I I ] Nguyen Van \^, Phan Thanh Dflt (2014). Business Process Management - An Approach to Deploy IheWeb-Based Sofhvare Lecture Notes on Sofhvare Engineering - lACSIT Press.
Vol. 2, no, 3, pp. 238-242, 2014.
Nang cap chuyen tien lien ngSn hang qua VietinBank IPay
Tfl thing 4/2014, VietinBank t i p ti,ic ning d p chflc ning chuyin t i n lien ngin hing tren kenh iPay. giup giao dich lai ehinh cua khich hing ngiy cing trd nen ten Ipi v l nhanh ehdng...
CIc giao dich ehuyin ten lien ngan hing eua khieh hing c l nhin frgn VietinBank iPay cd thi dupe thue hign moi lue, moi noi, khdng bl gidi han v l thdi gian v l khdng gian.
Chi cin la chu tiie ATM hoac md t l i khoan tiln gQl (CA) tgi chi nhanh bit ky ciia VietinBank v l ding ky sfl dyng VietnBank iPay (cd sfldyng dich vy tai chinh), khach hing cd the chu ddng thgc hign cae giao dKh chuyen tiln ra ngoai he thong VietinBank cho ngfldi hfldng Ihg cd md l l i khoan liln gCfi, hole II ehu ttie md d cic ngan hing khIe tgi Vigt Nam,
Cy thi, khieh hang cd ttil Igg chpn eic cieh ttiflc hign giao dich don gian nhfl sau;
Cach 1: Khach hang chpn ta khoan chuyin II tat khoan ATM va T l i
kholh/Sd ttie nh$n tiiudc cic ngin hang trong lien mmh the Smatiink. I^iach hang cd the kilm fra ngay ttidng tin ngudi nhan frong phin Tgn ngudi nh^n" hien fren man hinh Thdng tn giao dich.
Sau khi min hinh hiln ttii giao dich thinh cdng, giao dich cua khach hing se thflc hien nhanh ehdng, ngudi hfldng ttiu se nhin dupe lien chi sau vai phut.
Cach 2: Trfldng hop khach hang lya chon t l i khoin ehuyin la tai khoan ATM/ CA v l Tai khoan/Sd tiie nhin" khdng thudc ngan hang frong hen mmh tie SmarUmk. Man hinh se hien thi diy du cic thong bn ein nhip nhU sau: Tinh/ttianh phd: Ota dilm ciia ngin hang ttiu hUdng; Chi nhanh ngan hang t l i khoan nhan: Chon lgn chl nhinh ngan hang quan 1^ tai khoin thy hfldng; Sd tien ehuyin; Logi phi' Nhan Ifla chpn doi tflpng tra phi chuyen khoan, sau do ghi npl dung chuyin.
Tuin Mmh
TAP CHI TIN HOC NGi^ HANG • s6 4|144| • 5/2014 • 15
