{"id":11877,"date":"2026-02-05T16:14:34","date_gmt":"2026-02-05T09:14:34","guid":{"rendered":"https:\/\/atslegal.vn\/vn\/?p=11877"},"modified":"2026-02-05T16:14:34","modified_gmt":"2026-02-05T09:14:34","slug":"ung-dung-mobile-banking-se-tu-thoat-khi-dien-thoai-khong-bao-mat-tu-01-03-2026","status":"publish","type":"post","link":"https:\/\/atslegal.vn\/vn\/ung-dung-mobile-banking-se-tu-thoat-khi-dien-thoai-khong-bao-mat-tu-01-03-2026\/","title":{"rendered":"\u1ee8NG D\u1ee4NG MOBILE BANKING S\u1ebc T\u1ef0 THO\u00c1T KHI \u0110I\u1ec6N THO\u1ea0I KH\u00d4NG B\u1ea2O M\u1eacT T\u1eea 01\/03\/2026"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"927\" height=\"599\" src=\"https:\/\/atslegal.vn\/vn\/wp-content\/uploads\/sites\/5\/2026\/02\/image-3.png\" alt=\"\" class=\"wp-image-11878\" srcset=\"https:\/\/atslegal.vn\/vn\/wp-content\/uploads\/sites\/5\/2026\/02\/image-3.png 927w, https:\/\/atslegal.vn\/vn\/wp-content\/uploads\/sites\/5\/2026\/02\/image-3-300x194.png 300w, https:\/\/atslegal.vn\/vn\/wp-content\/uploads\/sites\/5\/2026\/02\/image-3-768x496.png 768w\" sizes=\"(max-width: 927px) 100vw, 927px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam ban h\u00e0nh Th\u00f4ng t\u01b0 77\/2025\/TT-NHNN ng\u00e0y 31\/12\/2025 s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 50\/2024\/TT-NHNN quy \u0111\u1ecbnh v\u1ec1 an to\u00e0n, b\u1ea3o m\u1eadt cho vi\u1ec7c cung c\u1ea5p d\u1ecbch v\u1ee5 tr\u1ef1c tuy\u1ebfn trong ng\u00e0nh Ng\u00e2n h\u00e0ng, trong \u0111\u00f3 c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c \u1ee9ng d\u1ee5ng Mobile Banking s\u1ebd t\u1ef1 tho\u00e1t khi \u0111i\u1ec7n tho\u1ea1i kh\u00f4ng b\u1ea3o m\u1eadt.&nbsp;<\/p>\n\n\n\n<p>T\u1ea1i \u0110i\u1ec1u 5 Th\u00f4ng t\u01b0 77\/2025\/TT-NHNN s\u1eeda \u0111\u1ed5i kho\u1ea3n 8 Th\u00f4ng t\u01b0 50\/2024\/TT-NHNN y\u00eau c\u1ea7u tri\u1ec3n khai c\u00e1c gi\u1ea3i ph\u00e1p nh\u1eb1m ph\u00f2ng, ch\u1ed1ng, ph\u00e1t hi\u1ec7n c\u00e1c h\u00e0nh vi can thi\u1ec7p tr\u00e1i ph\u00e9p v\u00e0o \u1ee9ng d\u1ee5ng Mobile Banking \u0111\u00e3 c\u00e0i \u0111\u1eb7t trong thi\u1ebft b\u1ecb di \u0111\u1ed9ng c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n\n\n\n<p>\u0110\u1eb7c bi\u1ec7t, \u1ee8ng d\u1ee5ng Mobile Banking ph\u1ea3i t\u1ef1 \u0111\u1ed9ng tho\u00e1t ho\u1eb7c d\u1eebng ho\u1ea1t \u0111\u1ed9ng v\u00e0 th\u00f4ng b\u00e1o cho kh\u00e1ch h\u00e0ng l\u00fd do n\u1ebfu ph\u00e1t hi\u1ec7n m\u1ed9t trong c\u00e1c d\u1ea5u hi\u1ec7u sau:<\/p>\n\n\n\n<ul>\n<li>C\u00f3 tr\u00ecnh g\u1ee1 l\u1ed7i (debugger) \u0111\u01b0\u1ee3c g\u1eafn v\u00e0o ho\u1eb7c m\u00f4i tr\u01b0\u1eddng c\u00f3 tr\u00ecnh g\u1ee1 l\u1ed7i \u0111ang ho\u1ea1t \u0111\u1ed9ng; ho\u1eb7c khi \u1ee9ng d\u1ee5ng b\u1ecb ch\u1ea1y trong m\u00f4i tr\u01b0\u1eddng gi\u1ea3 l\u1eadp (emulator)\/ m\u00e1y \u1ea3o\/ thi\u1ebft b\u1ecb gi\u1ea3 l\u1eadp; ho\u1eb7c ho\u1ea1t \u0111\u1ed9ng \u1edf ch\u1ebf \u0111\u1ed9 cho ph\u00e9p m\u00e1y t\u00ednh giao ti\u1ebfp tr\u1ef1c ti\u1ebfp v\u1edbi thi\u1ebft b\u1ecb Android (Android Debug Bridge);<\/li>\n\n\n\n<li>Ph\u1ea7n m\u1ec1m \u1ee9ng d\u1ee5ng b\u1ecb ch\u00e8n m\u00e3 b\u00ean ngo\u00e0i \u1ee9ng d\u1ee5ng khi \u0111ang ch\u1ea1y, th\u1ef1c hi\u1ec7n c\u00e1c h\u00e0nh vi nh\u01b0 theo d\u00f5i c\u00e1c h\u00e0m \u0111\u01b0\u1ee3c ch\u1ea1y, ghi l\u1ea1i log d\u1eef li\u1ec7u truy\u1ec1n qua c\u00e1c h\u00e0m, API&#8230;. (hook); ho\u1eb7c ph\u1ea7n m\u1ec1m \u1ee9ng d\u1ee5ng b\u1ecb can thi\u1ec7p, \u0111\u00f3ng g\u00f3i l\u1ea1i (repacking);<\/li>\n\n\n\n<li>Thi\u1ebft b\u1ecb \u0111\u00e3 b\u1ecb ph\u00e1 kh\u00f3a (root\/jailbreak); ho\u1eb7c b\u1ecb m\u1edf kh\u00f3a c\u01a1 ch\u1ebf b\u1ea3o v\u1ec7 (unlockbootloader).<\/li>\n<\/ul>\n\n\n\n<p>Ngo\u00e0i ra, Th\u00f4ng t\u01b0 y\u00eau c\u1ea7u ph\u1ea3i ki\u1ec3m so\u00e1t phi\u00ean b\u1ea3n c\u00e0i \u0111\u1eb7t \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh c\u1ee7a \u1ee9ng d\u1ee5ng Mobile Banking, c\u1ee5 th\u1ec3:<\/p>\n\n\n\n<ul>\n<li>\u0110\u1ecbnh k\u1ef3 t\u1ed1i thi\u1ec3u 03 th\u00e1ng m\u1ed9t l\u1ea7n, \u0111\u01a1n v\u1ecb ph\u1ea3i \u0111\u00e1nh gi\u00e1 an to\u00e0n, b\u1ea3o m\u1eadt c\u1ee7a c\u00e1c phi\u00ean b\u1ea3n ph\u1ea7n m\u1ec1m \u1ee9ng d\u1ee5ng \u0111ang cho ph\u00e9p kh\u00e1ch h\u00e0ng c\u00e0i \u0111\u1eb7t, s\u1eed d\u1ee5ng nh\u1eb1m x\u00e1c \u0111\u1ecbnh c\u00e1c l\u1ed7 h\u1ed5ng b\u1ea3o m\u1eadt v\u00e0 \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng b\u1ecb can thi\u1ec7p b\u1edfi t\u1ed9i ph\u1ea1m m\u1ea1ng;<\/li>\n\n\n\n<li><span style=\"color: initial\">Tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng k\u00edch ho\u1ea1t tr\u00ean thi\u1ebft b\u1ecb m\u1edbi ho\u1eb7c k\u00edch ho\u1ea1t l\u1ea1i \u1ee9ng d\u1ee5ng Mobile Banking, kh\u00e1ch h\u00e0ng ph\u1ea3i c\u00e0i \u0111\u1eb7t, s\u1eed d\u1ee5ng phi\u00ean b\u1ea3n m\u1edbi nh\u1ea5t ho\u1eb7c phi\u00ean b\u1ea3n g\u1ea7n nh\u1ea5t b\u1ea3o \u0111\u1ea3m c\u00e1c y\u00eau c\u1ea7u v\u1ec1 an to\u00e0n, b\u1ea3o m\u1eadt theo quy \u0111\u1ecbnh. \u0110\u01a1n v\u1ecb ph\u1ea3i c\u00f3 gi\u1ea3i ph\u00e1p ki\u1ec3m so\u00e1t kh\u00f4ng cho ph\u00e9p h\u1ea1 phi\u00ean b\u1ea3n (downgrading) xu\u1ed1ng s\u1eed d\u1ee5ng c\u00e1c phi\u00ean b\u1ea3n th\u1ea5p h\u01a1n trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y;<\/span><\/li>\n\n\n\n<li>Khi ph\u00e1t hi\u1ec7n c\u00f3 l\u1ed7 h\u1ed5ng b\u1ea3o m\u1eadt \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 \u1edf m\u1ee9c cao ho\u1eb7c nghi\u00eam tr\u1ecdng, \u0111\u01a1n v\u1ecb ph\u1ea3i c\u00f3 bi\u1ec7n ph\u00e1p ki\u1ec3m tra, kh\u00f4ng cho th\u1ef1c hi\u1ec7n giao d\u1ecbch ho\u1eb7c c\u00f3 bi\u1ec7n ph\u00e1p ki\u1ec3m so\u00e1t nh\u1eb1m ph\u00f2ng ch\u1ed1ng t\u1ed9i ph\u1ea1m l\u1ee3i d\u1ee5ng l\u1ed7 h\u1ed5ng b\u1ea3o m\u1eadt \u0111\u1ec3 t\u1ea5n c\u00f4ng m\u1ea1ng, th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch gian l\u1eadn, chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n; \u0111\u1ed3ng th\u1eddi \u0111\u01a1n v\u1ecb ph\u1ea3i th\u1ef1c hi\u1ec7n x\u1eed l\u00fd, kh\u1eafc ph\u1ee5c, c\u1eadp nh\u1eadt ngay phi\u00ean b\u1ea3n m\u1edbi trong th\u1eddi gian theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 6 \u0110i\u1ec1u 14 Th\u00f4ng t\u01b0 50\/2024\/TT-NHNN.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-right\"><a href=\"https:\/\/drive.google.com\/file\/d\/1j7i-Z3O8TrTuwX_XP34BtIQhQvcU-ExT\/view?usp=drive_link\" target=\"_blank\" rel=\"noopener\"><strong><em>Th\u00f4ng t\u01b0 77\/2025\/TT-NHNN<\/em><\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam ban h\u00e0nh Th\u00f4ng t\u01b0 77\/2025\/TT-NHNN ng\u00e0y 31\/12\/2025 s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 50\/2024\/TT-NHNN quy \u0111\u1ecbnh v\u1ec1 an to\u00e0n, b\u1ea3o m\u1eadt cho vi\u1ec7c cung c\u1ea5p d\u1ecbch v\u1ee5 tr\u1ef1c tuy\u1ebfn trong ng\u00e0nh Ng\u00e2n h\u00e0ng, trong \u0111\u00f3 c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c \u1ee9ng d\u1ee5ng Mobile Banking s\u1ebd t\u1ef1 tho\u00e1t khi \u0111i\u1ec7n [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":11878,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"_links":{"self":[{"href":"https:\/\/atslegal.vn\/vn\/wp-json\/wp\/v2\/posts\/11877"}],"collection":[{"href":"https:\/\/atslegal.vn\/vn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/atslegal.vn\/vn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/atslegal.vn\/vn\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/atslegal.vn\/vn\/wp-json\/wp\/v2\/comments?post=11877"}],"version-history":[{"count":1,"href":"https:\/\/atslegal.vn\/vn\/wp-json\/wp\/v2\/posts\/11877\/revisions"}],"predecessor-version":[{"id":11879,"href":"https:\/\/atslegal.vn\/vn\/wp-json\/wp\/v2\/posts\/11877\/revisions\/11879"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/atslegal.vn\/vn\/wp-json\/wp\/v2\/media\/11878"}],"wp:attachment":[{"href":"https:\/\/atslegal.vn\/vn\/wp-json\/wp\/v2\/media?parent=11877"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/atslegal.vn\/vn\/wp-json\/wp\/v2\/categories?post=11877"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/atslegal.vn\/vn\/wp-json\/wp\/v2\/tags?post=11877"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}