The third party payment products on line, the wind control problem arises. All kinds of intermediary wool party endless, all kinds of sudden systematic risks come one after another. For the traditional third-party payment of wind control, due to the limited amount of information, a variety of fraud occurs from time to time, a variety of fake bank water and call records caught off guard. Alipay, WeChat, ZhiPay and other third-party payment wind control generally through digital certificates, real-name authentication, control of consumption limits, risk monitoring system, latitude authority management system and other means to prevent and control risks. A person can be a fraudster in reality and a quality user in the credit history at the same time.

Now the third-party payment has slowly adopted big data risk control technology. With the use of big data risk control technology, counterfeiting and forgery is tantamount to reincarnation as the user's record is based on every aspect of their daily life. For financial crises and other financial disasters, as big data has already classified the crowd in advance and organized user information in a comprehensive way. Potential crises can be implemented before the occurrence of early warning, thus greatly reducing the losses caused by the financial crisis.