汉英对照:
Chinese-English Translation:
京东白条是京东推出的一种“先消费，后付款”的全新支付方式。在京东网站使用白条进行付款，可以享有最长30天的延后付款期或最长24期的分期付款方式。
Jingdong Baitiao is a new payment method of “consumption first, payment later” launched by Jingdong. If you use a white bar to pay on jd.com, you can enjoy a 30 day delayed payment period or a 24-day installment payment.
京东白条是京东推出的一种“先消费，后付款”的全新支付方式。在京东网站使用白条进行付款，可以享有最长 30 天的延后付款期或最长 24 期的分期付款方式。
Jingdong Baitiao is a new payment method of “consumption first, payment later” launched by Jingdong. If you use a white bar to pay on jd.com, you can enjoy a 30 day delayed payment period or a 24-day installment payment.
“京东白条”是业内首款互联网信用支付产品，让用户可以享受到“”先消费、后付款，实时审批、随心分期”的消费体验，迅速成为行业典范，奠定了京东金融在消费金融行业领先品牌的地位。
“Jingdong Baitiao” is the first Internet credit payment product in the industry, which enables users to enjoy the consumption experience of “first consumption, then payment, real-time approval, arbitrary installment”, quickly becoming an industry model and establishing the leading brand position of Jingdong finance in the consumer finance industry.
在定位上，“京东白条”这是一款通过大数据进行信用评估，为信用等级高、有消费需求的用户提供的信用支付服务。用户在京东商城享受先用后付和分期购物服务,最长可达 24 期,账单还可分期和最低还款，执行利率低于银行信用卡。京东金融消费金融开通用户量过亿。
In terms of positioning, “Jingdong Baitiao” is a credit payment service provided for users with high credit rating and consumption demand through big data credit evaluation. Users can enjoy the service of “use first, pay later” and “purchase by stages” in Jingdong Mall, with a maximum of 24 periods. Bills can also be paid by stages and with a minimum repayment rate, which is lower than the bank credit card. Jingdong financial consumer finance has opened more than 100 million users.
此后，“白条”还打通了京东体系内的 O2O(京东到家)、全球购、产品众筹，后来又逐步覆盖了租房、旅游、装修、教育、婚庆等领域，从赊购服务延伸到提供信用消费贷款，覆盖更多消费场景，为更多消费者提供信用消费服务。
Since then, “Baitiao” has also opened up o2o (Jingdong home), global shopping and product crowdfunding in the Jingdong system. Later, it has gradually covered rental, tourism, decoration, education, wedding and other fields, extending from credit purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
京东白条的服务场景逐步延伸，目前合作线上线下近千万商户，涵盖生活娱乐、商旅出行、教育培训、通讯及租赁行业。与银行合作联名电子账户“白条闪付”，通过 NFC 技术将白条支付拓展至线下，并且通过绑定微信支付，进一步拓宽白条支付使用场景。
The service scenario of Jingdong Baitiao is gradually extended. At present, nearly ten million online and offline merchants are cooperating, covering life entertainment, business travel, education and training, communication and leasing industries. Cooperate with the bank to jointly name the electronic account “white payment flash”, expand the white payment to offline through NFC technology, and further expand the use scenario of white payment by binding wechat payment.
简介
brief introduction
除了为用户提供先买后付、随心分期的支付便利外,白条推出官方创意产品店—时光杂货店,秉持严苛的审美标准和品质标准为用户创意和甄选各种有颜又有趣的生活小物,与年轻人一起共同建立健康有品质的生活态度。
In addition to providing users with the convenience of buying first, paying later and paying in installments at will, Baitiao launched the official creative product store, time grocery store, which adheres to strict aesthetic standards and quality standards to create and select all kinds of beautiful and interesting life things for users and build a healthy and quality life attitude together with young people.
京东白条在为用户带来便利的同时，也非常注重用户被京东白条被盗刷的安全问题。在账户登录、激活、交易、信息修改等全流程环节,京东数科的天策决策引擎系统、天盾账户安全与反欺诈系统、天网交易风险监控系统对每次账户行为进行后台安全扫描,实时计算,识别恶意行为及高风险订单,并和商城配送体系打通,对高风险订单实现配送最后一公里拦截,京东白条防盗刷在业内是独一无二的优势。
While bringing convenience to users, Jingdong white bar also pays great attention to the security problem of users being stolen and brushed by Jingdong white bar. In the whole process of account login, activation, transaction, information modification, etc., the Tiance decision engine system, TianDun account security and anti fraud system and Tianwang transaction risk monitoring system of JD digital carry out background security scanning, real-time calculation, identify malicious behaviors and high-risk orders, and connect with the mall distribution system, For high-risk orders to achieve the last kilometer of distribution interception, Jingdong white bar anti-theft brush is a unique advantage in the industry.
