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The State Bank of Vietnam (SBV) is currently consulting for a draft amendment and supplement to State Bank Circular 47/2014 of December 31, 2014 on technical requirements, safety and protection for equipment. bank card payments. In this draft, there are provisions on “withdrawal, removal or deactivation of accounts not used, expired or inactive for a period of up to 90 days or accounts. in an inactive state for a period of time ”. The draft of this regulation raises many opinions that bank accounts, ATM cards that are not in use, that work for a period of up to 3 months will be blocked, withdrawn …
The State Bank explains more clearly that the “account” referred to in this regulation is the user account used to access, manage and operate the equipment of the bank card payment system and has nothing to do with it . customer account.
Circular 47 establishes technical security requirements, secures the equipment for the card payment system, and does not regulate bank customer accounts. After almost 6 years of implementation, Circular 47 has contributed to the standardization of the banking technology infrastructure, guaranteeing the secure operation of the card payment equipment system in the banking industry, helping to promote non-monetary payments under the direction of the government. Faced with changes in science and technology and new challenges in the security and confidentiality of information technologies, the Banco del Estado has prepared a Circular that modifies and complements several articles of Circular 47/2014 to update the regulations technicians. novelty in security and confidentiality for the card payment system.
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