What should JD Finance do when calling users?

Jingdong Finance calls users to do specific things in the following situations:

1. Sell some financial products to users.

2. Collect overdue debts generated by some users in the process of using Jingdong Finance.

3. If the user has consulted Jingdong Finance before, it may be that Jingdong Finance called to reply.

4. If the user account is abnormal, JD Finance will also call the user.

Jingdong Finance is a personal financial business brand under JD.COM Digital Technology Group, and has become a personal financial decision-making platform chosen by many users. Jingdong Finance takes platform, intelligence and content as its core competence, and cooperates with nearly 1,000 financial institutions such as banks, insurance companies and fund companies to provide users with professional and safe personal financial services.

ability to pay

Relying on the resource advantages of JD.COM system and the technical ability of JD.com, JD.com Payment provides comprehensive payment services for enterprises and individual users, and outputs comprehensive payment solutions for online and offline scenarios. It is a leading electronic payment solution service provider in China and one of the largest third-party payment strategic partners of China UnionPay.

Jingdong Payment currently covers JD.COM code payment, JD.COM flash payment NFC, aggregate payment, channel payment, face-brushing payment, cross-border payment, etc., to meet users' diversified online and offline payment needs.

At the same time, it provides merchants with services such as single or batch payment, payment settlement, capital circulation and data analysis to meet the diversified payment needs of users online and offline. Jingdong Payment also supports combined payment. On the payment page, users can choose payment methods such as white note, small vault, bank card and balance to make combined payment.

On the technical level, JD Finance has established a payment and settlement service platform with independent property rights. The platform adopts distributed computing and multi-center architecture in the same city, which realizes high-availability disaster tolerance of multi-center mutual backup and has 7* 24-hour uninterrupted trading ability.

Jingdong Finance uses the patent of dynamic rule splitting algorithm to solve the problem of massive data reconciliation, which can complete 50 million transaction reconciliations within 15 minutes, stably support the transaction peaks such as 6 18 and 1. 1 1, and the reliability of the payment system reaches 99 .99%.

At the same time, JD Finance's "face payment" module meets the relevant technical standards of China UnionPay's face recognition terminal, becoming the first partner of China UnionPay to provide an overall face payment solution for self-service vending machines.

The multi-modal face detection algorithm independently developed by JD Finance has passed the technical certification of the National Financial IC Card Security Testing Center-Bank Card Testing Center (BCTC), reaching the national certified financial payment level security standard, and the correct rate of real person recognition is 99.8%.

2065438+March 2007, Netlink Clearing Co., Ltd. was put into trial operation, and the online banking of JD.COM Digital Branch was the first third-party payment institution to be connected. 2065438+In August 2007, Netlink Clearing Co., Ltd. was formally established, and 45 institutions, including JD.COM Digital Branch's online banking, invested * * *.