Installment payment is reliable. The installment purchase of commodities is a installment purchase service launched by the official department of commodities. It uses a variety of security measures to protect users' information security, including encrypted transmission, real-name authentication, account binding and so on. At the same time, businesses are also audited, and offenders are punished to ensure that the goods purchased by users are legal, qualified and safe, so it is safe and reliable to purchase goods by stages. Buying goods by stages allows users to choose different repayment periods according to their actual situation. Wu De App is a new generation trend online shopping community launched by Shanghai Zhizhuang Information Technology Co., Ltd. Wu De App initiated the shopping process of "identify first, then deliver", realized the mechanism of "strong centralized platform supervision" for e-commerce products, and explored a new mode of e-commerce platform transaction.