I don't know the virus in the mobile phone. The lender doesn't know it, and the user's mobile phone number is usually not known in time. Online lending, mbth is Internet lending, and p2p online lending is short for peer-to-peer lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry.