Shulou(Shulou.com)06/02 Report--

For a variety of reasons, the number of payment licenses is decreasing, and now there are only 61. Among them, 34 have nationwide bill-to qualification and 27 have regional order-collection qualification.

The payment industry is faced with many internal and external risks and expanding customer demand.

Fraud risk: in the face of the virtuality and complexity of the Internet and e-commerce, it is necessary for enterprises in the payment industry to take more effective measures, such as risk identification, security certification, classification and rating, to prevent and resolve fraud risks. to safeguard the rights and interests of consumers and their own reputation and safety.

Credit risk: it is an inherent risk in the payment industry. Third-party payment involves multiple participants of service providers, buyers, sellers and banks. The payment platform, as a credit intermediary, intervenes in the transaction process, increasing its own economic and credit risks, especially when the credit information disclosure mechanism is not perfect. Merchants and individual users default, low fraud cost environment, it is particularly important to strengthen credit audit, compliance inspection, public opinion monitoring.

Money laundering risk: when payment instruments can complete the transaction without real name authentication, lawbreakers can use the intermediary nature of the payment platform to hide the source of funds and legalize the form of funds, and this part of the risk will be transferred to the payment platform to bear potential losses.

Business opportunities expansion: fierce competition in the payment industry, through online accurate customers, offline efficient push, quickly seize the target market, has become the growth method of many enterprises in the payment industry.

Application of APILink in payment Industry

APILink provides standard interface, compatible with multi-terminal applications, modular design, flexible customization, reliable data and timely update. It can serve the network payment (currency exchange, Internet payment, mobile phone payment, fixed telephone payment, digital TV payment), prepaid card issuance and acceptance, bank card receipt and other business scenarios of enterprises in the payment industry. provide real-name authentication services, enterprise industry and commerce big data services, SMS services for financial institutions, enterprise merchants, individual users to optimize business, expand business opportunities, avoid risks.

Real name authentication API

With the help of hundreds of banks of the bank card number, cardholder name, cardholder × × number and other real name verification API, through × × two elements, bank card three elements, mobile phone number three elements and other verification methods. With authoritative data sources as the guarantee, it is convenient to call the interface and verify the results in real time.

Big data API for Enterprise Industry and Commerce

Through online API interface call or local data export, it provides enterprises with real-time queries including basic industry and commerce, enterprise background, business status, business risk, relationship graph, development information, judicial risk, corporate public opinion, intellectual property rights, and 64 data dimensions. For the comprehensive penetration of relevant enterprise information, customer background, operating conditions, credit risks can be covered, and the enterprise business opportunity expansion and risk prevention system can be constructed in the form of APILink. However, correspondingly, the authority of the data and whether the technology is ahead or not, and the speed of data update are the guarantee basis.

SMS API

By quickly sending SMS verification code, SMS notification, voice verification and other ways, users can complete the registration, payment verification, payment notification and other closed-loop links. Real-time monitoring of automatic switching channels, triple play, to ensure the flow rate and arrival rate of short messages.

Related API test address

Big data API for Enterprise Industry and Commerce

Real name authentication API

SMS API

Welcome to subscribe "Shulou Technology Information " to get latest news, interesting things and hot topics in the IT industry, and controls the hottest and latest Internet news, technology news and IT industry trends.