Purchase on the global network

On spring, you can sit home to access the network, choose a few favorite items for relatives. Unfortunately, this is done by 'international' (buying and selling on an international network, paying with international cards) easier and richer than similar electronic transactions in Vietnam. .

Buy and sell online

I have long bought books on amazon.com and made payments with credit cards. A few years ago, only a few banks could register for international payment cards such as VISA, Master ., but now, the card is quite easy, especially prepaid card (debit card). To participate in online transactions, just go to the banking transaction office, such as Vietcombank, ACB . to register for a card and pay Vietnamese money to pay for it.

Payment in other currencies will be converted into Vietnamese currency and then deducted from the available money in the card. In addition to amazon.com, there are countless online transactions that allow the use of cards to pay globally according to the model of a buyer who places an order, pay and wait for delivery.

Networks that buy and sell auctions with all kinds of goods, such as eBay, have a lot of different sellers and buyers, the payment problem will be more complicated. There are many fears that there is not enough credibility for the buyer to pay directly to the seller and the seller is also reluctant to deliver the goods without receiving the buyer 's money. In 2005, I registered an account on eBay, bidding to buy some small items, but when I paid, I was told: 'Don't accept payment by credit card in Vietnam' - that's the rule!

There are still a lot of online selling websites that do not have the name of Vietnam in the list of countries that are allowed to pay by card, so want to pay also cannot complete payment procedures. Vietnam has also been excluded from many global scale 'e-commerce' games and the Vietnamese name has been put on the black book by discovering many cases of buying and selling using 'pagoda credit card numbers'. have IP from Vietnam.

Check buyers

Complex buying websites such as eBay have quite a number of measures to authenticate buyers. In 2007, when eBay launched its operations in Vietnam, I registered my new account and also forgot my previous account. So the story .

Trading with a new Account for only a few days, eBay notifies me of blocking my account, and cancels all transactions that are in progress, for reasons . I am a "problem" customer. When asked again, it was announced by eBay 2 years ago, I used another account, participated in the auction, won the bid but did not complete the payment procedure, so that the buyer can complain. There is no fraud here because as mentioned above, I won the bid, but could not pay, and of course the seller did not ship the goods because he did not receive the money.

The problem is that eBay detects my two old and new accounts, whose phone numbers are declared the same. Take a week to explain and let the eBay service department check your boredom. EBay finally accepted to unlock it so that I could use my new account with . polite apology.

Check again

But not only stopping there, trading normally, eBay suddenly announced a suspension to check the procedure (Figure 1), aiming to protect the account from being used by others (due to the disclosure of the code). such as).

Figure 1: Stop the transaction to check

The procedure takes only 1 minute. EBay first announced on the screen that it would call the customer phone number previously registered (Figure 2).

Figure 2: Set up a call

Through the call, eBay will announce the PIN number for the user to enter the next screen. If not the owner listens to the phone (or cannot hear English), it will not get this PIN number and . the account is locked (Figure 3).

Figure 3: Enter the PIN number to check

Users enter the PIN number, the account is unlocked, the transaction continues normally, and maybe next week will be (be) similar check - especially when using many different computers to trade .

Pay

Paypal is a popular payment service on eBay, as a bank that trusts intermediaries to sellers - buyers work together. And the seller, even the eBay auction floor, doesn't know the buyer's financial information. Paypal allows payment by credit card quite easily. To avoid fraudulent payment by credit cards of others, Paypal has a rather unique inspection method.

When registering an account at Paypal, customers are classified as Unverified (not yet checked). After a few transactions, the test procedure was conducted, to transfer customers to the state "verified" (authenticated).

Paypal's checkout process is a notice that will send a $ 1.95 payment to the customer's card account and in the receipt / payment content with a PIN. This money will be refunded by Paypal to customers' payments through deductions in future transactions.

As a cardholder, I have to work with the bank to ask for this $ 1.95 payment, using the PIN in the transaction content to re-register with Paypal. It takes a bit of time to wait for the transaction to appear at the bank, but this is a quite effective test because if it is not the cardholder, there is no way to get information about this transaction.