Beijingdong White Bar allows users to enjoy the Jingdong Mall first use after payment and installment shopping services, installment up to 24 periods, the implementation of the interest rate lower than the bank credit card, through the system of Jingdong O2O (Jingdong home), global shopping, product crowdfunding, and then gradually covered the rental, tourism, decoration, education, wedding and other areas, to provide credit consumption services for more consumers.
In terms of positioning, "Jingdong Baijiao" is a credit payment service for users with high credit ratings and consumption needs through credit assessment based on big data. Users in the Jingdong Mall to enjoy the first use after payment and installment shopping services, up to 24 installments, bills can also be installments and minimum repayment, the implementation of interest rates lower than the bank credit card. Jingdong Finance consumer finance opened more than 100 million users.
White Stripes" has also opened up O2O (Jingdong Home), global shopping, product crowdfunding within the Jingdong system, and later gradually covered areas such as rentals, travel, renovation, education, weddings, etc. It extends the credit purchase service to provide credit consumption loans, covering more consumption scenarios, and providing credit consumption services for more consumers.
Beijing's credit card services have been extended to cover more consumer scenarios and provide more consumers with credit consumption services.
Jingdong Baijiao's service scenarios have been gradually extended, and it has cooperated with nearly 10 million merchants online and offline, covering the life and entertainment, business travel and tourism, education and training, communication and leasing industries. The cooperation with the bank joint electronic account "white flash payment", through the NFC technology to white payment to the offline, and through the binding of WeChat payment, to further broaden the white payment use of the scene.
In addition to providing users with the convenience of buying before paying and paying in installments, White Stripes has launched an official creative product store, Time Grocery, which upholds strict aesthetic and quality standards to create and select a variety of colorful and interesting lifestyle products for users, and builds a healthy and high-quality attitude towards life with young people***.
Being aesthetic standards and quality standards for users to create and select a variety of colorful and interesting life small things, and young people together *** with the establishment of a healthy and quality attitude to life.
Jingdong white bar in the user to bring convenience at the same time, but also pay great attention to the user was Jingdong white bar stolen brush security issues. In the account login, activation, transactions, information modification and other full-process links, Jingdong numerical science of the day policy decision engine system, Tianshield account security and anti-fraud system, Tianwang transaction risk monitoring system for each account behavior background security scanning, real-time calculations, identification of malicious behavior and high-risk orders, and mall distribution system through, high-risk orders to achieve the distribution of the last kilometer to intercept the Jingdong White Stripes anti-theft brushes It is a unique advantage in the industry.
Establishing a green channel for feedback on brush theft issues in the service hotline, establishing a specialized processing process, and Jingdong Financial customer service will give priority to verification and processing. For users who are recognized as having been stolen, the responsibility of repayment will be exempted, and the relevant accounts will be handled in a special way that will not affect the user's creditworthiness.
Jingdong Finance will not allow blackmailers to get away with infringing on consumers' interests either. For the discovered large-scale, cumulative infringement of the security of consumer funds, Jingdong Financial and the police have established a green communication channel, the first time to feedback information, and the use of scientific and technological means to actively cooperate with the police to solve the case.
By the end of 2018, Jingdong Finance cooperated with police around the world to solve more than 80 cases of telecommunication network fraud, illegal intrusion into computer systems, loan fraud, infringement of citizens' personal information, and other types of cases, arresting more than 500 suspects, avoiding billions of dollars of property loss, vigorously cracking down on and deterring blackmail and other criminal gangs, and exploring a way to support the public security criminal investigation with the ability to secure technology The company has also developed a new way of thinking to support public security criminal investigations with its security technology capabilities.