Wing friends can't borrow money. JD.COM can lend it. According to the mobile payment network, there are similar products on the market after IOUs payment, such as Meituan Flash Pay, China Southern Airlines Flash Pay and Ctrip Flash Card. ? These products all have their own characteristics. For example, white flash payment is related to the white line, which is a savings card with credit color; Ctrip Flash Card supports the payment of associated corresponding monetary funds. Similarly, all need mobile payment as a carrier, and all need to conduct transactions through UnionPay network.