White stripe payment is a new payment method introduced by JD.COM, which uses JD.COM white stripe payment. You can use IOUs to pay on JD.COM website, so that when the funds are insufficient, you can buy what you want. Meanwhile, IOUs in JD.COM, like credit cards, can not only be paid after consumption, but also enjoy a 30-day deferred payment period. If it is impossible to pay in one lump sum, it can be paid in installments, and JD.COM's IOUs can be divided into 24 installments at most. There is no credit for the white payment business that needs manual approval, and users are identified through the risk control big data model. After the typhoon, the control system 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 bar can be activated.