Accordingly, for customers who do not have an ID card or a chip-embedded Citizen Identification Card (CCCD) (customers who only have an ID card or a non-chip-embedded CCCD that is still valid according to the law), the authentication measure using the customer's biometric identification mark (for type C and D transactions specified in Article 1 of Decision 2345) is performed by matching the biometric data stored in the collected and verified customer biometric database, in which the verification is performed by face-to-face meeting.

For customers with chip-embedded CCCD but using phones that do not support NFC (Near-Field Communication wireless connection standard), authentication measures using the customer's biometric identification mark (for type C, D transactions specified in Article 1 of Decision 2345) are implemented:

Through authentication of the customer's electronic identification account created by the electronic identification and authentication system;

Or matches the biometric data stored in the collected and verified Customer Biometric Database, where the verification is performed as follows:

Match the customer's biometric identification data with the biometric data in the customer's CCCD chip issued by the police agency by performing at the transaction counter, through the unit's chip-mounted CCCD reader device/phone;

Or match the customer's biometric identification data through the authentication of the customer's electronic identification account created by the electronic identification and authentication system.

TPBank Biometrics.jpg
Photo: TPB.

Regarding transaction authentication for deposit and withdrawal transactions from e-wallets (stipulated in Appendix 01 of Decision 2345), the State Bank of Vietnam said that for deposit and withdrawal transactions from e-wallets via payment accounts/debit cards linked to the owner, if the customer has authenticated the owner with the bank when making the connection using authentication measures for type B transactions or higher (except for authentication measures using biometric identification signs attached to smart handheld devices), it is not mandatory to apply authentication measures for deposit and withdrawal transactions from e-wallets with a limit of VND 10 million or less and the total value of transactions is less than or equal to VND 20 million.

Thus, the above instructions of the State Bank have promptly resolved people's concerns when many people, for various reasons, were unable to register for facial authentication.

Prepare a plan, determined to implement from July 1, 2024

To prepare for the implementation of Decision 2345 from July 1, 2024, the State Bank of Vietnam requests that units prepare plans, hotline channels and arrange staff on duty 24/7 to promptly guide and support customers in registering and using biometric authentication information.

Proactively coordinate with the National Population Data Center - Department of Administrative Management of Social Order - Ministry of Public Security and other relevant organizations to prepare plans to handle difficulties and problems in the process of registering and using biometric authentication services from July 1, 2024.

Deploy technical solutions to ensure security and safety of information and customer data, comply with legal regulations on personal data protection and legal regulations on ensuring security and safety of information systems.

To avoid transaction congestion and support customers promptly, we encourage units that have completed implementation to promptly provide services to customers.