What platform is BaiFubao?

Bifubao is a payment platform owned by Baidu and is China's leading online payment application and service platform. Baifulubao provides excellent online payment and clearing services, providing users with rich functions such as online recharge, transaction management, online payment, cash withdrawal, account reminders, etc. The unique double password setting and real-time monitoring function of the security center are even more convenient for Baifulubao. Alipay account security provides double protection.

The operating environment of this tutorial: Windows 7 system, Dell G3 computer.

Baifu Bao is a payment platform under Baidu, which generally refers to Du Xiaoman Wallet.

Bifubao is China's leading online payment application and service platform. BaiFubao takes establishing a "simple and reliable" online payment credit system as its mission. Its innovative product technologies, rich application functions, and transaction experience processes tailored for users provide Internet users and enterprises with safe and reliable services. Online payment services.

Baifu Bao provides excellent online payment and clearing services, providing users with rich functions such as online recharge, transaction management, online payment, cash withdrawal, account reminder, etc., unique The dual password setting and the real-time monitoring function of the security center provide double protection for the security of Baifu Bao account.

In the field of electronic payment, Baifulubao has quickly won the high regard of banks and other partners with its innovative and pragmatic style, leading technology, keen market foresight, and corporate image that is dually responsible for consumers and merchants. Agree. So far, it has established strategic partnerships with Industrial and Commercial Bank of China, China Merchants Bank, Agricultural Bank of China, China Construction Bank, China UnionPay, etc.

With the rapid development of China's economy and the continuous maturity of network applications, the e-commerce industry has entered a stage of rapid development. Baifulubao will always be committed to the online payment industry, continuously launch innovative products based on customer needs, and make unremitting efforts to promote the sustainable development of the e-commerce industry.

Supporting banks

The banks that Baifulubao currently cooperates with include: Industrial and Commercial Bank of China, China Merchants Bank, China Construction Bank, Agricultural Bank of China, CITIC Bank, and China Everbright Bank, Shanghai Pudong Development Bank, Shenzhen Development Bank. Baifulubao is the first payment institution in China to cooperate with UnionPay, supporting some banks that cooperate with UnionPay, including Bank of Communications, China Post Bank, Industrial Bank, China Minsheng Bank, Hua Xia Bank, Bank of China, etc.

Baifu Bao and “Du Xiaoman”

In April 2018, Baidu announced that its financial services business group had officially completed the signing of the split financing agreement. After the split Baidu Finance launched a new brand "Du Xiaoman Finance" to achieve independent operations.

##Currently, Du Xiaoman Financial’s financial services mainly include Du Xiaoman Financial Management, personal consumer credit brand “Youqianhua”, and third-party payment platform Du Xiaoman Payment, etc.

After rapid business accumulation in consumer finance, asset management, mobile payment and other fields, Duxiaoman Finance has formed a complete set of mature financial technology systems.

Among them, the third-party payment platform Duxiaoman Payment (serviced by "Beijing Baifu Bao Technology Co., Ltd.", referred to as "Baifubao") relies on Baidu's deep technical advantages and will inherit Baidu's artificial intelligence in the future. Smart genes may catch up from behind in the field of mobile payment.

During the 2019 Spring Festival, Baidu, as the exclusive online interactive platform for CCTV's 2019 "Spring Festival Gala", participated in the Spring Festival Gala red envelope interaction.

And Baifu Bao undertakes the entire process from real-name authentication, card binding and signing to cash withdrawal.

In order to ensure the smooth operation of the payment link of the Baidu Spring Festival Gala event at that time, Baifu Bao also used Nesoidb (large financial grade distributed database), Deus (distributed task hosting system), distributed cache system, financial grade Multiple self-developed core basic components such as the messaging system provide horizontal expansion capabilities for core payment services, and combined with Baidu's cloud technology and service governance technology, rapid full-link expansion, service traffic isolation and multiple rounds of full-link Conduct stress testing drills to comprehensively improve service support capabilities.

In terms of customer binding, Baifulubao integrates the most advanced science and technology into product design. By integrating CR text recognition-card ID recognition (bank card recognition) technology, when users add bank cards to Baidu Alipay completes the link of account registration and binding bank cards, and realizes the entry method of extracting card number information by taking a photo of the bank card and scanning it, replacing the user's manual input of bank card number, effectively reducing the error rate and improving the user registration experience.

In fact, Baifu Bao has many other functions besides being able to withdraw cash and red envelopes. For example, you can directly use Du Xiaoman Wallet to perform operations such as recharge, withdrawal, transfer, and payment. And there are no fees for transferring funds to bank cards or withdrawing cash through Du Xiaoman Wallet.

The person in charge of Duxiaoman’s payment business once said that after the brand upgrade to Baifulubao, the platform will provide more secure and safer professional services, practice "trustworthy" corporate values, and continue to create "small profits" for users. It conveys the sense of gain of "always being humble and trustworthy; always moving forward and pursuing a better life", allowing every user to feel the convenience of payment and a full sense of security.

Although third-party payment is nothing new, Baifu Bao and other products on the Duxiaoman financial platform have formed a product system that integrates financial management, technology, payment, etc., relying on Baidu’s expertise in AI With its advantages and profound technology accumulation, Baifulubao may catch up with others in the field of mobile payment.

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