1. Take the purchase of mobile phones by stages in JD.COM Mall as an example. Open the mobile phone purchase page of JD.COM Mall and click the "Add to Shopping Cart" button.

2. Next, open the shopping cart page, select the product, and then click the "Go to Settlement" button.

3. Next, the order submission page will open, where you can click the "Submit Order" button.

4. Finally, you will enter the payment page. In the payment page, you can select the installment with white stripes, then select the number of installments, and click the "white stripes" button to purchase the mobile phone in installments successfully.

Extended data

Application conditions

JD.COM Baitiao is the first Internet consumer finance product in the industry. "Pay first and then pay back", enjoy a maximum interest-free period of 30 days and a maximum of 24 installments. Log in to Baitiao official website or Jingdong Financial APP- Baitiao, and you can enter the page to apply for activation independently. JD.COM mall users are eligible to activate the "white note" for mall consumption. ?

According to the person in charge of risk control of Jingdong Financial Consumer Finance Division, the consumer finance business has no credit that needs manual approval, and users are identified through the risk control big data model. The control system after the typhoon will "identify" users according to their shopping habits, credit status and the stability of the receiving address. , combined with various factors and data, and then quickly give the evaluation results of whether the "white strip" can be activated.

The evaluation basis of big data model is the accumulation of user data, which needs to be updated dynamically in real time. Therefore, with the more accurate modeling of big data, the probability of user "white bar" activation will also increase. At present, JD.COM Consumer Finance has completed the credit score of nearly 200 million users.

Regarding the withdrawal of IOUs, you can receive the withdrawal package regularly, and there are irregular IOUs withdrawal activities. Make a good record of consumer repayment, and you can also get a cash withdrawal reward.