FLEXICARD-NHÓM DREAM LINK_TATM13B

8/3/2019 FLEXICARD-NHM DREAM LINK_TATM13B

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Th Flexicard- Nhm Dream Link TATM13B

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2) Bt tin khi dung th Flexicard:i vi tnh nng tr trc:do c ch giao dch ngoi tuyn (off-line) ca th tr trc, khi thc kha ch chn c cc giao dch trc tuyn (online) (np tin, chuyn tin vo th trtrc,...), khng chn c cc giao dch mua xng du, hng ha. Tnh nng tr trc c coi

nh l mt v tin in t nn Ch th phi c trch nhim trong vic bo qun ct gi th. Victht lc mt mt th coi nh mt s tin hin c trong th.S d trong ti khon th tr trc ca khch hng KHNG c hng li sutTheo quy nh ca Ngn hng Nh nc VitNam, th tr trc v danh khng c np thmtin vo th. S d trong ti khon th tr trc v danh khng c qu 5.000.000 VN.

Cc ti liu tham kho:http://www.pgbank.com.vn/Desktop.aspx/Tin-tuc/Tin-tuc-the/Chuong_trinh_KHACH_HANG_THUONG_XUYEN/

http://www.tinmoi.vn/Flexicard-tron-1-tuoi-Petrolimex-khuyen-mai-len-toi-21-ty-dong-11206728.html

http://www.petrolimex.com.vn/PortletBlank.aspx/64248D4C82C845E2A685AC1F98A5DBE0/View/Khuyen-mai-the/Tong_Cong_ty_Xang_dau_Viet_Nam_thuc_hien_chuong_trinh_khuyen_mai_Ky_niem_Flexicard_tron_1_tuoi-co_hoi_trung_nhieu_giai_thuong_lon_voi_tong_gia_tri_gia/?print=583159799

http://www.pgbank.com.vn/Desktop.aspx/San-pham-the/68/60/

http://www.pgbank.com.vn/Desktop.aspx/San-pham-the/62/55/

http://www.petrolimexsg.com.vn/kd/128/The-xang-dau-Flexicard

http://www.petrolimex.com.vn/PortletBlank.aspx/64248D4C82C845E2A685AC1F98A5DBE0/View/Thong-cao-bao-chi/Petrolimex_ap_dung_chuong_trinh_gia_ban_le_uu_dai_dot_4_cho_khach_hang_

http://dddn.com.vn/20100203092942817cat91/petrolimex-giam-gia-mua-xang-dau-thanh-toan-bang-the.htm

http://www.petrolimex.com.vn/Desktop.aspx/Trang-Noi-Dung/Khuyen-mai-the/Chuong_trinh_DONG_HANH_CUNG_THE_XANG_DAU_PETROLIMEX/

http://www.petrolimex.com.vn/Desktop.aspx/Trang-Noi-Dung/khuyenmai/PG_Bank_trao_thuong_Chuong_trinh_khuyen_mai/

http://www.petrolimex.com.vn/Desktop.aspx/Trang-Noi-Dung/Khuyen-mai-the/The_le_chuong_trinh_khuyen_mai_Dong_hanh_cung_The_Xang_dau


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XXI. ch li v bt tin khi s dng th Flexicard1) Li ch:

Giao dch cc k nhanh chng v tin li: do p dng cng ngh th chip khng tipxc (contactless chip) - cng ngh th hin i nht hin nay. S hu v s dng Flexicard mi lc, mi ni: khch hng c th n bt c im giao

dch no ca PG Bank ngh pht hnh v nhn ngay th. Ngoi ra, vi tnh nng trtrc, th c th pht hnh v danh ngay ti cy xng m khng cn ng k thng tin vm ti khon ti ngn hng.Phm vi s dng rng khp: Flexicard c th thanh ton ti cc im chp nhn th caPG Bank (h thng siu th, nh hng,), chi tr cho chi ph sinh hot. V c bit, duynht Flexicard c chp nhn thanh ton ti h thng ca hng xng du Petrolimex trnton quc.L mn qu tng y ngha cho khch hng thn thit v bn b: Flexicard l mnqu tng c ngha thit thc th hin s quan tm ca ngi tng dnh cho ngi nhn.Rt tin mt n gin, d dng:ngoi cc im t my ATM v h thng chi nhnh caPG Bank, Khch hng cn c th rt tin mt ngay ti h thng cc ca hng xng du

Petrolimex.Hng quyn li khi l thnh vin ca chng trnh Khch hng thn thit: ch ths c tch ly im thng trong qu trnh s dng th Flexicard v s c quy ithnh nhng mn qu tng c ngha v gi tr thit thc.Phng tin qun l ti chnh hu hiu:th Flexicard gip ch th theo di, kim sotchi tiu ca mnh hp l thng qua cc ha n vn tin, sao k cc giao dch.Th Flexicard ghi n c th rt vt qu s tin trong ti khontrong trng hp cngn hng cp mt hn mc thu chi trn ti khon.C th thc hin giao dch chuyn tin t ti khon th ghi n sang th tr trc ca cngch th hoc ca ch th khc (trong cng h thng ca PG Bank) ti cc ca hng xngdu, vn phng cng ty/chi nhnh/x nghip xng du trc thuc TCTy xng du VitNam (Petrolimex) hoc chi nhnh PG Bank.Ch th tr trc s nhn c tin ngay sau khi hon tt giao dch chuyn tin thng quaPOS (trong vng vi giy ng h). Khi thc hin giao dch chuyn tin, phi c mt chai th (th chuyn tin v th nhn tin) ti im giao dch.Mt ti khon tin gi khng k hn ti PG Bank ca khch hng cho php pht hnhnhiu th (khng gii hn s lng)Mt th c th kt ni ti ti a 05 ti khon (loi ti khon tin gi khng k hn v tikhon tin gi rt gc linh hot).S d trong ti khon th ghi n ca khch hng c hng li sut khng k hn

Th Flexicard c thit k linh hot nhm p ng nhu cu s dng ca khch hng khi

pht hnh th:C th ch s dng tnh nng tr trc, hoc:

S dng th c c hai tnh nng (ghi n v tr trc)Trng hp khch hng ch c tnh nng tr trc, trong qu trnh s dng th c th ngh ngn hng b sung thm tnh nng ghi n trn thTrng hp ch pht hnh tnh nng ghi n, ch th c PG Bank tng sn tnh nng trtrc. Khi c nhu cu s dng, ch th ch vic ngh kch hot tnh nng tr trc.


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th mua xng, du s c h thng tch im thng v quy i s im th nh tin tr trctip vo th tip tc s dng.

S tin thng quy i nhn c t chng trnh s l con s n tng i vi ch thFlexicard v cngl gii php tit gim nhiu chi phi vi cc n v kinh doanh vn ti v

khch hng s hu t s dng nhiu xng, du trong sn xut, kinh doanh.Ngoi vic mua xng du c tnh im thng, ch th Flexicard nh danh c n c

h thng tng im vo cc dp sau:

STT Tiu ch cng im n v tnh im

1Thng cho hi vin s dng th mua xng, du trongvng 10 ngy k t ngy c cp m s ti khon (thnh danh)

1 ln +20

2 Thng nhn ngy k nim sinh nht, thnh lp TngCng ty xng du Vit Nam.Nm +10

3

Thng cho thi gian s dng (dnh cho hi vin ng k t 1 nm tr ln v c t nht 6 ln s dng thtrong nm xt im, c tnh ln u vo cui nm th2)

Nm +20

4) Chng trnh u i gi bn l xng du cho khch hng mua xng du thanh tonbng th Flexicard

Tng Cng ty Xng du Vit Nam (Petrolimex) tip tc p dng t 6 chng trnh u i

gi bn l xng du cho khch hng mua xng du thanh ton bng th Flexicard. Theo , mcgim gi u i cho ch th Flexicard l 50 ng/lt ( bao gm thu GTGT) so vi gi bn lnim yt ti cc ca hng xng du.

Chng trnh c p dng t 10 gi 00 ngy 24 thng 2 nm 2011 cho n khi Petrolimexc thng bo mi.Danh mc cc mt hng xng du c gim gi t ny gm c: Xng RON 95 khng ch Xng RON 92 khng ch izen 0,05 S izen 0,25 S Du ha


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2. T l quy i :Mc thng T l quy i (im) Tr gi mc thng (ng)

1 n 300 18.000

2 n 600 39.0003 n 1500 105.000

4 n 3600 270.000

Hi vin ch c quy i (thng) im thnh tin mua xng du khi t im tch ly ti thiul 300 (im). C th l:

im tch ly t n 300 (im) hi vin s c thng s tin tng ng l 18.000(ng).

im tch ly t n 600 (im) hi vin s c thng thm s tin tng ng l21.000 (ng), tng cng khi t 600 (im) khch hng c thng 39.000 (ng). im tch ly t n 1.500 (im) hi vin s c thng tip s tin tng ng l66.000 (ng), tng cng khi t 1.500 (im) khch hng c thng 105.000(ng).

im tch ly t n 3.600 (im) hi vin s c thng tip s tin tng ng l165.000 (ng), tng cng khi t 3.600 (im) khch hng c thng 270.000(ng).

Gii hn ti a tch im l 3.600 (im). Ngha l nu vt 3.600 (im) th s imvt s c quay li tnh im t u. VD: Nu hi vin t 3.900 (im) s cquy i thng s tin nh sau: 270.000 (ng) mc 4 + 18.000 (ng) mc 1 =288.000 (ng).

III. Tr thngim tch ly c trong qu trnh mua xng du c theo di t ng v quy i thnh

tin np tin vo th xng du hi vin mua xng du, khng c rt tin mt.

T ngy 10/06/2011, Tng Cng ty Xng du Vit Nam p dng PHNG THCQUY I IMmi trong Chng trnh Khch hng thn thit s dng th Flexicard c thnh sau:

T l quy i im

Gi tr tin mua xng du

S im tng ng

T l quy i c 10.000 1 im

T l quy i mi 14.000 1 im

(Phn l di 14.000 s c cng dn vo nhng ln sau tch im)

Chng tr nh Khch hng thn thit l s tri n ca PG Bank v TCT Xng du VitNam i vi qu khch hng mua xng, du thanh ton bng th Flexicard. Khch hng s dng


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Th l chng trnh "Khch hng thng xuyn"

I. Xc nh im tch ly1. Khch hng khi mua th NH DANH (gi tt l hi vin) s c cp 1 ti khon v

m s khch hng tham d chng trnh Khch hng thng xuyn.2. Cn c vo vic s dng th mua xng du ca hi vin, my tnh s t ng tnh imcho mi ti khon, s im tch ly ca hi vin s c tnh theo cc tiu ch sau y:

STT Tiu ch n vtnh

im

1 Thng cho hi vin s dng th mua xng,du trong vng10 ngy k t ngy c cp m s ti khon (th nhdanh)

1 ln +20

2 Thng trn s tin mi ln mua xng du 10.000

ng

+1

3 Thng nhn ngy k nim sinh nht, thnh lp Cng ty Nm +10

4 Thng cho thi gian s dng(dnh cho hi vin ng k t 1 nm trln v c t nht6 ln s dng th trong nm xt im, c tnh ln uvo cui nm th 2)

Nm +20

Ghi ch: S im tch ly c tnh cho tng s ti khon ca tng hi vin k t ngy ng k tr

thnh hi vin (ngy nh danh th). T l quy i l 10.000 (ng) tin mua xng, du cc loi c tnh 1 im, phn l

di 10.000 (ng) s c cng dn vo nhng ln mua sau tch im.II. Quy i im1. Thng bo im tch ly cho hi vin:

- Khi hi vin c nhu cu nm thng tin v s im hin c trong ti khon ca mnh, hi vin cth truy cp Website (min ph):www.pgbank.com.vn hocwww.petrolimex.com.vn- Ngoi ra, khi s im ca hi vin t n mc thng tng ng theo quy nh, TCTy sthng bo cho tng hi vin qua tin nhn theo s in thoi di ng ng k trn th NHDANH.


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nhiu li ch gia tng cho cc ch th Flexicard khi mua xng du ti h thng cc ca hng caPetrolimex trn ton quc.

Thi gian t chc quay s xc nh khch hng trng thng l t 13/2/2011 n ngy22/2/2011. Thi gian trao gii thng l trc ngy 14/3/2011. L quay s xc nh khch hng

trng thng c t chc ti Tr s Tng Cng ty Xng du Vit Nam (Petrolimex) - s 01Khm Thin, ng a, H Ni.

a im trao thng cho cc khch hng trng cc gii nht, nh, ba gm:Min Bc: Tr s Tng Cng ty Xng du Vit Nam (Petrolimex) - s 01 Khm Thin, nga, H Ni;Min Trung: Cng ty Xng du Khu vc 5 - s 77 L Vn Hin, qun Ng Hnh Sn, TP.

Nng;Min Nam: Cng ty Xng du Khu vc 2 - s 15 L Dun, Qun 1, TP. H Ch Minh;Min Ty Nam B: Cng ty Xng du Ty Nam B - s 21 Cch Mng Thng Tm, qun NinhKiu, TP. Cn Th.

Theo ban t chc, thi gian trao thng c th s thng bo trn phng tin thng tin i chngv theo giy mi. i vi gii khuyn khch, gii thng s c chuyn vo th Flexicard cakhch hng trng thng.

K nim Flexicard trn 1 tui c hi trng nhiu gii thng ln l chng trnh khuyn miln ln th 2 k t ngy pht hnh. Bn cnh , Petrolimex vn tip tc duy tr chng trnhKhch hng thng xuyn.

3) Chng trnh khch hng thng xuynSong song vi cc chng trnh khuyn mi dnh cho th Flexicard, Petrolimex v PG Banktrin khai ng thi chng trnh khch hng thng xuynChng trnh ny p dngcho cc khch hng mua xng du bng th Flexicad (ghi n v tr trc nh danh) theo nguyntc tch im i xng du.

nh danh th, khch hng l c nhn v t chc khi mua th tr trc cn cung cp cho nhnvin pht hnh th cc thng tin: H tn, ngy thng nm sinh, a ch lin h v s in thoi(nu c, i vi c nhn); tn n v, a ch php l, ngy thnh lp, m s thu, h tn v inthoi ngi lin h (i vi t chc). Khi nh danh th, khch hng c hng cc quyn linp tin b sung vo th v c tham d cc chng trnh khuyn mi. y l s khc bit mth tr trc v danh khng c c.

Theo th l ca chng trnh khuyn mi, mi khi mua cc mt hng xng du thanh ton bngth Flexicard (ghi n v tr trc nh danh) khch hng s c thng t ng tch lu theom th v quy i thnh tin mua xng du.


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* Khch hng c th tra cu m s d thng trn trang web ca Ngn hng:www.pgbank.com.vn v ca Tng Cng ty Xng du Vit Nam: www.petrolimex.com.vn, khchhng cp nht thng tin m th s th hin s lng phiu d thng ca th

Thi gian, a im v cch thc xc nh trng thng:

- Thi gian quay thng:

* Ln 1: t 29/11/2009 n 08/12/2009 cho nhng m d thng pht hnh t I (t 15/10/2009n 28/11/2009)* Ln 2: t 13/01/2010 n 22/01/2010 cho nhng m d thng pht hnh t II (t 29/11/2009n 12/01/2010)

- a im v cch thc xc nh trng thng:

Quay thng ti Vn phng Tng Cng ty Xng du Vit Nam (S 1 Khm Thin-ng a-HNi) trc s chng kin ca i din cc C quan qun l nh nc c lin quan, khch hng vcc c quan bo ch truyn thng.

T chc trao thng cho khch hng trng thng:

- Tng Cng ty Xng du Petrolimex s t chc trao thng cho khch hng ti 4 vng:

* Min Bc: Ti Vn phng Tng cng ty Xng du Vit Nam: S 1 Khm Thin, ng a, HNi* Min Trung: Ti Cng ty xng du khu vc 5: S 1 L Qu n, TP. Nng

* Min Nam: Ti Cng ty xng du khu vc 2: S 15 i l L Dun, Q. 1, TP. HCM* Min Ty Nam B: Ti Cng ty xng du Ty Nam B: S 21 Cch mng thng Tm, Q. NinhKiu, TP. Cn Th

2) Flexicard trn 1 tui: Petrolimex khuyn mi ln ti 2,1 t ngNgy 15/11/2010, Tng Cng ty Xng du Vit Nam (Petrolimex) chnh thc trin khai

chng trnh khuyn mi c tn gi K nimFlexicard trn 1 tui chi trng nhiu giithng ln. Thi hn hiu lc cachng trnh ko di 90 ngy, btu t ngy 15/11/2010n ngy 12/2/2011, vi nhiu giithng ln, tng gi tr ln ti 2,1 tng.c bit, th l chng trnh khuyn mi c ng k vi Cc Xc tin Thng mi (BCng Thng). Trong thi gian hiu lc ca chng trnh, khch hng mua xng du thanh ton

bng th Flexicard ti ca hng xng du Petrolimex trn ton quc s c t ng quy thnhm d thng tham d quay s trng thng cc gii thng l: 01 gii nht: 01 t HondaCRV; 03 gii nh: mi gii 01 xe my Honda SH125i; 05 gii ba: mi gii 01 xe my HondaFuture; 2000 gii khuyn khch: mi gii 300.000 ng.

Ch tch Hi ng qun tr - Tng gim c Petrolimex Bi Ngc Bo cho bit: Nhn k nim1 nm ra mt th Flexicard, chng ti t chc chng trnh khuyn mi ny nh mt li cm ncc khch hng , ang v tip tc ng h sn phm th Flexicard. Chng trnh s mang li


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th Flexicard

* t 2:

1 gii Nht: 1 Honda Civic 2.0AT tr gi 700.000.000 ng

2 gii Nh: mi gii 1 Piagio LX150 tr gi 75.000.000 ng6 gii Ba: mi gii 1 Honda Lead 108cc tr gi 34.000.000 ng12 gii T: mi gii 1 Honda Wave 110S tr gi 18.000.000 ng3.000 gii Khuyn Khch: mi gii tr gi 200.000 ng tin mt c trc tip chuyn thng voth Flexicard

Ni dung & th l chng trnh:Cch thc khuyn mi:

* C mi 100.000 ng khi khch hng mua xng du s c tnh 1 m d thng, v tng tnh vy theo cp s tng dn, v d: 200.000 ng, khch hng s c tnh l 2 m d thng.* Ngoi ra, nu cha mua 100.000 ng cho 1 ln, th s tin ny s c cng dn chonhng ln mua tip theo hoc kt thc khuyn mi t 1, s tin cn d nu cha 1 phiu dthng s c cng tnh cho phiu d thng t 2


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Trng hp pht sinh s c trong qu trnh s dng th Flexicard, ch th c th lin ht chc chm sc khch hng ca ngn hnh PG Bank qua s my 04 62 555 999 ch tr kip thi.

Th Flexicard c thi hn s dng l 10 nm. Ht thi hn hiu lc, cc th ht hn sc h thng t ng kha. tip tc s dng th, khch hng phi yu cu PG Bankpht hnh li th.

XX. Cc chng trnh khuyn mi dnh cho khch hng s dng th FlexicardKhi tham gia thanh ton bng th Flexicard tr trc nh danh hoc th ghi n, ch th ctham gia cc chng trnh khuyn mi dnh cho khch hng:

1) Chng trnhng hnh cng th xng du PetrolimexNgn hng TMCP Xng du Petrolimex (PG Bank) phi hp cng Tng cng ty xng du

Petrolimex trin khai th Flexicard vi tn gi: NG HNH CNG TH XNG DUPETROLIMEX cng chng trnh khuyn mi cc k hp dn vi gi tr gii thng ln n2.7 t ng.

i tng c hng khuyn mi:

Tt c cc khch hng khng phn bit t chc, c nhn khi mua xng, du (xng, diesel, duha) bng th Flexicard c tnh nng ghi n hoc tr trc nh danh ti cc ca hng bn lxng du chp nhn th Flexicard ca Tng cng ty Xng du Vit Nam trong thi gian khuynmi s c tham gia chng trnh Quay s trng thng.

i tng khng c tham gia chng trnh khuyn mi:Ch th Flexicard tr trc v danh.Ngi lao ng v cc t chc thuc Tng cng ty Xng du Vit Nam (gm c cn b, cngnhn vin khi xng du v c phn, lin doanh).

Thi gian khuyn mi: T ngy 15/10/2009 n ht ngy 12/01/2010

Hnh thc khuyn mi: Quay s trng thng.

C cu gii thng:

- Thc hin quay s trng thng lm 2 ln:

* t 1:

1 gii Nht: 1 Honda SH150i tr gi 150.000.000 ng4 gii Nh: mi gii 1 Honda Lead 108cc tr gi 34.000.000 ng 8 gii Ba: mi gii 1 Honda Wave 110S tr gi 18.000.000 ng2.000 gii Khuyn Khch: mi gii tr gi 200.000 ng tin mt c trc tip chuyn thng vo


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2) i vi Doanh nghip: Trnh ri ro, mt mt, tit kim thi gian, nhn lc trong vic chi tr lng. Bo mt thng tin v mc lng ca mi cn b nhn vin. D dng qun l lng tin v chi ph xng xe ca n v mt cch hiu qu v an ton. c u tin hng cc u i do PG Bank dnh cho khch hng nh: tng qu, dthng trong chng trnh Khch hng thn thit, u i cp tn dng trong cc chng

trnh Cho vay cn b cng nhn vin, Cho vay cn b iu hnh, Vay tiu dng

3) i vi x hi:Th Flexicard do PG Bank pht hnh ng mt vai tr quan trng trong s pht trin chung cax hi: Vn minh hin i Tit kim chi ph An Ton

XVIII. Cc khon m khch hng phi npTy theo nhu cu pht hnh cc tnh nng ca th, Khch hng phi thanh ton cc khon tinsau y:Trng hp mua th ch c tnh nng tr trc (th tr trc do PGBank pht hnh l thchip c gi thnh cao hn rt nhiu so vi th t): Ph pht hnh th: 40.000 VN S tin np ln u vo th: s tin ny l ca khch hng, phc v thanh ton tin

hng ha, mua xng du,... S tin ti thiu np vo th ln u l 100.000 VNTrng hp pht hnh th c tnh nng ghi n (c tng thm tnh nng tr trc): Ph pht hnh: 60.000 VN S d ti thiu trong ti khon th ghi n: 50.000 VN

Trng hp thm tnh nng ghi n cho th tr trc: Ph pht hnh (thm tnh nng ghi n): 30.000 VN S d ti thiu trong ti khon th ghi n: 50.000 VN

Thng tin chi tit v cc loi ph p dng i vi th Flexicard tham kho tiwebsite:http://www.pgbank.com.vn/pages/pgcardsvr.aspx?view=detail&valueId=31&news=43

XIX. Lu khi s dng th Flexicard: Khi b mt th ch th cn ti cc im giao dch ca PG Bank hoc gi in v s my

h tr khch hng 04 62 555 999 lm th tc bo mt th v yu cu cp li th (nucn). Trong vng 30 pht k t khi ch th hon tt th tc bo mt th, PG Bank ctrch nhim kha th trn h thng.

i vi tnh nng ghi n:khi th c kha, m bo chn c mi giao dch ca th. i vi tnh nng tr trc:do c ch giao dch ngoi tuyn (off-line) ca th tr trc,

khi th c kha ch chn c cc giao dch trc tuyn (online) (np tin, chuyn tinvo th tr trc,...), khng chn c cc giao dch mua xng du, hng ha. Tnh nngtr trc c coi nh l mt v tin in t nn Ch th phi c trch nhim trong vicbo qun ct gi th. Vic tht lc mt mt th coi nh mt s tin hin c trong th.


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XV. Cc cng vic khch hng cn lm khi mi nhn thi vi tnh nng tr trc:cn yu cuca hng xng du, vn phng cng ty/chi nhnh/xnghip xng du trc thuc TCTy xng du Vit Nam (Petrolimex) hoc chi nhnh PG Bankthchin chc nng m kha th tr trc ti POS.

i vi tnh nng ghi n:ngay sau khi nhn c th, ch th hon tt th tc xc nhn (k trngiy hn nhn th) PG Bank kch hot tnh nng ghi n ca th. Vic xc nhn thc hin tiim nhn th theo giy hn (ca hng xng du, vn phng cng ty/chi nhnh/x nghip xngdu trc thuc TCTy xng du VitNam(Petrolimex) hoc chi nhnh PG Bank).Sau khi th ghi n c ngn hng kch hot, ch th thc hin:

i s PIN mi ti ATM hoc ti POS ca ccca hng xng du, vn phng cng ty/chinhnh/x nghip xng du trc thuc TCTy xng du Vit Nam (Petrolimex) hoc chinhnh PG Bank(trng hp c giy thng bo s PIN gi km theo th)To s PIN mi ti POS ca ccca hng xng du, vn phng cng ty/chi nhnh/xnghip xng du trc thuc TCTy xng du VitNam(Petrolimex) hoc chi nhnh PGBank(trng hp khng c giy thng bo s PIN gi km theo th)

XVI. i tng s dng: Nhng ngi i t, xe my Nhng cng ty vn ti, hng taxi c th s dng Flexicard qun l i xe, qun l

v kim sot chi ph s dng xng trn u xe Nhng ca hng bn t, xe my s dng sn phm th Flexicard lm qu khuyn

mi cho khch hng, y l sn phm rt hu ch v thit thc i vi khch hng.

XVII.Li ch s dng th Flexicard:Flexicard vi nhng tnh nng ca mnh mang li rt nhiu li ch cho ch th, cho doanh nghipv cho c x hi:

1) i vi Ch th c s dng phng thc thanh ton hin i, tin li v linh hot m khng cn tin

mt ti cc im chp nhn th (siu th, khch sn, nh hng v c bit ti i lxng du Petrolimex trn ton quc), cng nh ch th vn c th rt tin mt ti ATM.

Chuyn tin cho ngi thn, bn b nhanh chng v chnh xc. c s dng mt phng thc thanh ton nhanh chng, an ton, tit kim thi gian ch

i ti cc cy xng.

Thc hin nhiu dch v (np tin, rt tin, chuyn khon, xem s d) ti cc imchp nhn th m khng phi n ngn hng. Gip khch hng khng cn mang mt lng tin mt ln khi i cng tc, du lch.

Lun m bo v sn sng h tr ch th trong cc trng hp mt, tht lc th. Kim sot ti chnh hiu qu: thng qua cc bng k hng thng. c hng cc chng trnh khuyn mi, u i, chit khu, gim gi khi mua sm

hng ha, dch v ti cc im chp nhn thanh ton th.


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ATM tr th cho khch hng. Thi gian i khch hng nhn li th t u c th l30 giy.Nu sau 30 giy khch hng khng nhn li th th ATM s thu hi lith(phng trng hp khch hng qun th)

ATM tr tin cho khch hng(i vi giao dch rt tin). Thi gian i khch hngnhn li tin t ca tr tin l 30 giy.Nu sau 30 giy khch hng khng nhn tin thATM s thu hi li tin(phng trng hp khch hng qun khng nhn)ATM in ra ha n giao dch(trng hp giao dch c yu cu in ha n).

XII. Cch thc hin giao dch ti im chp nhn th (POS)Ti cc im chp nhn th, khch hng xut trnh th cho nhn vin bn hng v yu cu thchin loi giao dch. Vic thc hin giao dch do nhn vin bn hng thao tc. Trong mt s giaodch c yu cu s PIN: khi c nhn vin bn hng yu cu, vic nhp PIN s do ch th tthc hin.

XIII. Cc phng thc np tin vo th tr trcCch 1:Np tin mtCh th n cc ca hng xng du, vn phng cng ty/chi nhnh/x nghip xng du trc thucTCTy xng du VitNam(Petrolimex) hoc chi nhnh PG Bank np tin mt. Nhn vin giaodch s thc hin chc nng Np tin ti POS np tin vo th tr trc ca khch hng.Cch 2:Chuyn tin vo th tr trcCh thn cc ca hng xng du, vn phng cng ty/chi nhnh/x nghip xng du trc thucTCTy xng du VitNam(Petrolimex) hoc chi nhnh PG Bankyu cu thc hin chuyn tint th ghi n sang th tr trc. Nhn vin giao dch s thc hin chc nng Chuyn tin vo thtr trc ti POS chuyn tin t th ghi n ca khch hng sang th tr trc ca khch hng.Cch 3:S dng dch v Internet ca PG BankKhch hng s dng dch v Internet ca PG Bank chuyn tin t ti khon m ti PG Bank

vo ti khon th tr trc sau n ca hng xng du hoc chi nhnh PG Bank yu cu thchin giao dch cp nht s d ti POS cp nht s tin t ti khon tr trc xung th trtrc ca khch hng.

XIV. S PIN ca th Flexicard:PIN (Personal Identification Number) l vit tt ca cc t ting Anh c ngha l m s xc nhc nhn. PIN gm 6 ch s b mt, do ch th t xc nh, qun l v s dng trong mt s giaodch th chng thc ch th. Trong cc giao dch, s PIN c coi nh ch k ca ch th.Mi th ghi n ch c duy nht mt m s PIN.Trng hp s PIN b l:cn thc hin giao dch iPINti my ATM ca PG Bank hoc tiPOS ca cc ca hng xng du, cng ty/chi nhnh/x nghip xng du trc thuc TCTy xng

du Vit nam (Petrolimex).Trng hp qun s PIN:khch hng cn n phng giao dch/chi nhnh PG Bank lm th tccp li PIN mi hoc n ca hng xng du, cng ty/chi nhnh/x nghip xng du trc thucTCTy xng du Vit nam (Petrolimex) yu cu thc hin chc nng to s PIN mi ti POS.Trng hp th b kha do nhp sai PIN 3 ln lin tip:Khch hng phi ti phng giaodch/chi nhnh PG Bank (hoc cc ca hng xng du, cc cng ty/chi nhnh/x nghip xng duca Petrolimex) lm th tc ngh h tr (x l li sai PIN 3 ln lin tip).


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11)Chuyn tin sang th tr trc (chuyn tin t ti khon th ghi n sang th trtrc)

12)Vn tin s d ti khon13)In sao k giao dch14)i PIN/To PIN mi

VIII. Quy nh v s d ti thiu i vi ti khon th ghi n FlexicardS d ti thiu ch p dng i vi ti khon th Flexicard ghi n; khng p dng i vi tikhon th tr trc.S d ti thiu c PG Bank quy nh theo tng thi k. Hin ti, PG Bank quy nh s d tithiu trn ti khon th Flexicard ghi n l 50.000 VN. S d ti thiu vn c hng li sutkhng k hn ca PG Bank.Khch hng ch c ly li s d ti thiu khi yu cu tt ton th.

IX. Hn mc giao dch th FlexicardCc hn mc c PG Bank quy nh theo tng thi k. Hin ti, PG Bank quy nh cc loi hnmc sau i vi tnh nng ghi n ca th Flexicard: S tin ti thiu trong mt ln rt tin ti ATM: 50.000 VN S tin ti a trong mt ln rt tin ti ATM: 2.000.000 VN S tin ti a c rt trong mt ngy: 20.000.000 VN S tin ti a c chuyn khon trong mt ngy hoc mt ln: 20.000.000 VN S ln rt tin trong mt ngy: khng gii hn S ln chuyn khon trong mt ngy: khng gii hn

Cc hn mc ny c th thay i i vi tng th, theo yu cu ca ch th.

X. Hng li sut trong s d ti khon th FlexicardS d trong ti khon th ghi n ca khch hng c hng li sut khng k hnS d trong ti khon th tr trc ca khch hng KHNG c hng li sut

XI. Cch thc hin giao dch bng th Flexicard ti my ATMBc 1:a th theo chiu mi tn in trn th, mt c di t tnh quay xung di vo khe cth ca my ATM.Bc 2:La chn ngn ng hin th bng cch bm vo nt tng ng bn cnh mn hnh caATMBc 3:Nhp vo s PIN ca th v nhn nt ENTERBc 4:La chn loi giao dch v thc hin theo cc ch dn trn mn hnh ATM (th ATM caPGBank cho php rt tin t nhiu ti khon, v vy khch hng cn chn nt xc nhn ti khonrt tin kt thc giao dch).Bc 5:Khi kt thc giao dch: nhn li th, tin, v ha n (nu c, ty theo loi giao dch vathc hin).Lu :Vic kt thc mt giao dch c my ATM x l theo trnh t sau:


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V. Flexicard ghi n ni a (debit)L phng tin thanh ton khng dng tin mt tin li v an ton do PG Bank pht

hnh trn c sti khon tin gi khng k hn ca khch hng mti ngn hng. Flexicard tchhp cng ngh th kp (th t v th chp),

Flexicard ghi ncho php ch th thc hin rt nhiu tin ch nh Rt tin mt ti ATM

ca PG Bank v h thng ATM trong lin minh Banknetvn trn ton quc; Nhn lng, thu nhpqua ti khon th Flexicard ;Thanh ton hng ha dch v ti hng nghn n v chp nhn th ticc nh hng, khch sn, siu th, rp chiu phim, cc im vui chi gii tr ;Thanh ton chiph mua xng du ti hn 1.700 im phn phi xng du ca Petrolimex trn ton quc;Vn tins d ti khon ; Chuyn khon d dng v n gin t ti khon th ghi nsang ti khon thghi n; t ti khon th ghi nsang ti khon th tr trc; In sao k giao dch

VI. Phn bit c th Flexicard vi tnh nng tr trc v th Flexicard vi tnh nngghi n

Th Flexicard vi tnh nng tr trc c th c hoc khng in tn ch th trn mt th. Th tr sdng cng ngh th chip khng tip xc.

Th Flexicard vi tnh nng ghi n c in y h v tn ch th trn mt th. Th ghi n sdng cng ngh th t truyn thng. bit th ca Qu khch c kch hot tnh nng tr trc, ghi n hay c hai tnh nng,hy yu cu nhn vin ti cc i l thanh ton th hoc ti chi nhnh ca PG Bank kim tra.

VII. Cc giao dch m th flexicard thc hin:Th Flexicard c th s dng thc hin cc giao dch ti my ATM hoc ti POS lp t ticc i l chp nhn th (ca hng xng du Petrolimex,...). Ti my ATM: c th dng tnh nng ghi n (debit) thc hin cc giao dch sau:

a) Rt tinb) Chuyn khon (chuyn tin t ti khon th ghi n sang ti khon ghi n khc)c) Vn tin s d ti khond) In sao k giao dche) i PINf) Tra cu thng tin Ngn hng (tra cu cc thng tin v sn phm, dch v, biu ph, li

xut ca ngn hng)Ti POS: c th thc hin giao dch bng tnh nng tr trc hoc tnh nng ghi n. Tnh nng tr trc:

1) Kch hot th: kch hot v np s tin ban u vo th2) nh danh th: nh danh cho th tr trc v danh3) Mua xng du/ Hng ha, dch v4) Thanh ton hng ha, dch v5) Np tin vo th6) Vn tin s tin trn th7) In sao k giao dch

Tnh nng ghi n8) Mua xng du/ Hng ha, dch v9) Rt tin mt10)Chuyn khon (chuyn tin t ti khon th ghi n sang ti khon ghi n khc)


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II. Th flexicard:H Ni, ngy 13/10/2009, Tng Cng ty Xng du Vit Nam (Petrolimex) v Ngn hng

TMCP Xng du Petrolimex (PG Bank) chnh thc pht hnh th FlexiCard - phng tin thanhton khng dng tin mt - a nng, a tin ch, vi nhiu t nh nng vt tri trong lnh vc cng

ngh ngn hng v thanh ton ni a. c bit, th Flexicard c th mua xng du v rt tinmt ti tt c cc ca hng xng du ca Petrolimex trn ton quc.

III. Cng dng ca th Flexicard: Thanh ton tin mua xng du ti cc ca

hng Petrolimex. Mua cc hng ha, cc sn phm khc ti

cc ca hng xng du Pertrolimex trnton quc nh du m nhn, Gas, ph bohim

Thanh ton mua hng ha dch v khc tiim chp nhn th PG Bank nh nhhng, siu th

Ch th Flexicard c th rt tin mt t ti khon ca tnh nng ghi n ti ccca hngxng du, vn phng cng ty/chi nhnh/x nghip xng du trc thuc TCTy xng duVit Nam (Petrolimex) hoc chi nhnh PG Bank.

Dng thc hin cc gioa dch chuyn khon t ti khon ch th sang ti khon khctrong cng h thng PG Bank. Tuy nhin thc hin cc giao dch chuyn khon sangcc h thng khc, ch th c th ti cc im giao dch ca PG Bank lm yu cuchuyn khon khc h thng.

Tnh nng ca Flexicard: ngoi chc nng tr tin mua xng du, th Flexicard kt hp c2 tnh nng tr trc (Prepaid) v tnh nng ghi n (Debit). Ch th c th s dng thFlexicard rt tin mt hoc mua xng du, khi mun s dng tnh nng no th tnhnng c kch hot.

IV. Flexicard tr trc (prepaid):L phng tin thanh ton khng dng tin mt dnh cho Ch th thanh ton hng ho

dch v ti nh hng, siu th,c bit l thanh ton xng du ti hn 1700 ca hng xng duca Petrolimex trn ton quc.

Tnh nng tr trc cho php khch hng np tin vo th v thc hin cc giao dch tiim chp nhn th (POS) (mua xng du, hng ha, dch v,..) trong phm vi s tin c npvo th. Vi th tr trc, khch hng khng cn mti khon ti ngn hng.

FlexiCard tr trc gm hai loi:FlexiCard tr trc v danh: d dng s hu v s dng mi lc mi ni m khng cnm ti khon.FlexiCard tr trc nh danh: nhng thng tin ch th cung cp l c s PG BanKchm sc v cm n Qu Khch hng thng qua cc cc chng trnh tch im i qutng c ngha v gi tr.


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Sau , American Express cho ra i thm loi thAmerican Express THE BLUE,

ng thi cng cho thm mt sla chn khi xin th l loi thtr ht mt ln hay loi th trgp hng thng, loi tr gp thc mc n nh s tin tiu xi (pre-set speding limit).

3) Charge card ( department store card):Charge card: gm tt c cc th tn dng cp pht bicc cng ty bn l nh: Sears, PJ Penny, Macys,

Target, K-Martw.w.w, loi th ny hn ch cho phpngi khch ch c s dng, mua hang tronng timca cng ty cp th m thi. V d th Sears chnhn cc tim Sears, khch hng sang tim khc mua th khng th tr tin bng th Searsc.

4) Gasoline Card:Gasoline Card:l th xng nh: Texaco,

Shell, BP (British Petroleum) Chevron v.v., . Loi nycng tng t nh loi Department Store Card, khchhng ch s dng xng ti cc cy xng v mua n vt do cy xng ca hiu bn m thi. V dbn cm th ca hng Shell th ch xng v muaqu vt Shell m thi.

Ngy nay huht cc cng ty bnl ca Hoa K (tgiy dp, y phc, ntrang cho n TV,

my tnh) u c chng trnh mua tr gp bng cch cppht cho ngi tiu dng 2 loi th trn. Tin li ca 2 loi ny ctnh rt cao (t 19.99 n 26.99 % /nm) m credit line (hay s tin cth mua thiu li khng nhiu 300 USD n 3000 USD). Tuy nhinnu khch hng cha c tn dng, th y l 1 trong nhng cch khiu to tn dng, bi v nhng cng ty ny h cu xt 1 h s xinth rt d dng, min sao khch hng ng c tn dng qu xu. C 2loi trn khch hng khng phi tr tin l ph hng nm.


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2) American Expressa) American Express:l mt trong nhng thng hiu c lch s lu i nht trong

th gii kinh doanh, l mt cng ty vn chuyn nhanh c thnh lp vo nm

1850.

b) Regular American ExpressCard:l loi th thng cmu xanh l cy m, dnhcho khch hng khng cnhiu tn dng tt v c li tcthp. Credit line th khng gii

hn, ty theo s tin khchhng c trong trng mcngn hng (checking account).Khch hng phi tr l phhng nm rt cao, khong 79 USD/ 1 nm.Ha n c gi mi thng v phi tr htmt ln.

c) American Express Gold Card: iu kinl khch hng phi c li tc trn 30,000USD/ 1 nm. Cch s dng cng tng t nh loi trn.

d) American Express Plantinum: Khc vi 2 loitrn, loi ny ch dnh cho khch hng u i mthi, s tin c ch nh ln ti 100,000 USDm khng i hi khch hng phi c tin trongti khon ngn hng. Ha n phi thanh ton

mt ln nh hai loi trn.

V s cnh tranh ca cc loi th tn dng khc v do khch hng phn nn v s bt bucphi tr ht mt ln, do American mt mt s lng ln khch hng cho nn AmericanExpress cng thay i l li kinh doanh. American Express cho ra i th OPTIMA, th nycho php ch th tr gp hng thng v h tnh tin li.


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b) Gold Visa & Gold MasterCard: Credit line bt u t 500 USD tr ln, a scc ngn hng u min l ph hng nm, nu c th khong 50 USD/ 1 nm.

c) Platinum Visa & MasterCard: loi ny thng l dnh cho nhng ngi cs im tn dng cao v c li tc hng nm cao. Credit line bt u ti thiu l 5000USD, tuy nhin thng thng l 10000 USD.

d) Secure Visa & MasterCard: Dnh cho ngi khng c tn dng hoc tn dngxu, khch hng phi t cc tin vo ngn hng, credit line bng vi s tin t cc.

\

e) Student Visa& MasterCard: dnhcho sinh vin, creditline khng nhiu

khong vi trm USDtrln.


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I. Gii thiu mt s th thng dng lien quan n mua sm v xng du M(Gasoline card):

1) Visa v MasterCard:Visa, Mastercard l hai t chc tn dng ln nht th gii, c mt khp mi ni, ngoi ra cn

c American Express v Discovery, 4 t chc ny ch yu hot ng th trng M. Cn Chu c Unionpay (Trung Quc), JCB (Nht Bn).

Visa: l mt nhn hiu ca th tn dng v th ghi n c iu khin bi Visa InternationalService Association ca San Francisco, California, Hoa K.

Mastercard Worldwide: l mt cng ty a quc gia c trsNew York, Hoa K. Lnh vc kinh doanh ca cng tyny l thc hin nghip v thanh ton gia ngi mua vngi bn s dng debit v credit card thng hiuMasterCard mua sm.

Hai loi th ny c th ni l ging nhau, ch khc tn gi . y l loi th thng dng nht v c khchhng a chung nht t xa ti nay. Loi th ny c cctt c cc doanh nghip chp nhn (bn c th ti bt cca hng bn l, cy xng, hng my bay,ngn hng, timn, trn mng ) mua hng hoc rt tin mt ra. Qungco ca American Express lc trc c cu Don' t leavehome without it, tuy nhin cu ny ng vi VISA & MASTERCARD hn, v vn cn nhiuca hng khng nhn AMERICAN EXPRESS v ph dch v ca American cao hn.Loi th Visa v MasterCard cho php ngi dng (cardholder) mua hng hay rt tin mt ra rtd dng.

Cc loi th Visa v MasterCard:a) Regular Visa & MasterCard: Credit line bt u t khon 500 USD ti vingn USD, loi ny dnh cho ngi c s im tn dng thp (credit score) hoc mibt u to tn dng. L ph ca loi ny tng i cao (khong 39 USD/ 1 nm).


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Mc lc

I. Gii thiu mt s th thng dng lien quan n mua sm v xng du M(Gasoline card): .........................................................................................................................2

II.

Th flexicard:.....................................................................................................................6

III. Cng dng ca th Flexicard:............................................................................................6

IV. Flexicard tr trc (prepaid): ...........................................................................................6

V. Flexicard ghi nni a (debit) .........................................................................................7

VI. Phn bit c th Flexicard vi tnh nng tr trc v th Flexicard vi tnh nng ghin .. ........................................................................................................................................7

VII.Cc giao dch m th flexicard thc hin:.........................................................................7

VIII. Quy nh v s d ti thiu i vi ti khon th ghi nFlexicard .............................8

IX. Hn mc giao dch th Flexicard.......................................................................................8

X. Hng li sut trong s d ti khon th Flexicard .........................................................8

XI. Cch thc hin giao dch bng th Flexicard ti my ATM .............................................8

XII.Cch thc hin giao dch ti im chp nhn th (POS) .................................................9

XIII. Cc phng thc np tin vo th tr trc ...........................................................9

XIV. S PIN ca th Flexicard: ..............................................................................................9

XV.Cc cng vic khch hng cn lm khi mi nhn th.....................................................10

XVI. i tng sdng: ......................................................................................................10

XVII. Li ch sdng th Flexicard: ....................................................................................10

XVIII.Cc khon m khch hng phi np...........................................................................11

XIX. Lu khi sdng th Flexicard:................................................................................11

XX.Cc chng trnh khuyn mi dnh cho khch hng sdng th Flexicard ................12

XXI. ch li v bt tin khi sdng th Flexicard ..............................................................19


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BI TIU LUN MN THNG MI IN T

CH TH FLEXICARD

NHM DREAM LINKLP TA13B

1. Xun Tho-Nhm trng2. Nguyn Th Tnh3. V Kim Th4. Nguyn Th Bch Liu

Gio vin b mn: Thy Trng Minh Ho


22/22

B CNG THNG

TRNG CAO NG KINH T I NGOI

BI TIU LUN MN THNG MI IN T

CH TH FLEXICARD

Gio vin b mn: Thy Trng Minh Ho

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