The "small gold card" itself has various functions of a standard debit card, including cash deposit and withdrawal, transfer and remittance, credit card consumption, collection and payment, asset management and other functions. Attractively, Xiaojinka also has some special functions such as "balance management", that is, after the user signs a contract with JD Finance, the balance of the current account in Xiaojinka exceeds 1 1,000 RMB, and it can be automatically transferred to JD Finance on a regular basis every day to subscribe for relevant monetary funds and enjoy the income far higher than the current deposit.
What is the JD.COM Gold Card and how to handle it?
JD.COM Xiaojinka is the first debit card with "Internet gene" launched by JD Finance and Industrial Bank in China, namely JD Finance Xiaojinka of Industrial Bank (hereinafter referred to as Xiaojinka), which provides cardholders with integrated financial services such as savings, wealth management and consumption. The processing steps are as follows:
1. First, open the mobile client "Jingdong Finance" and enter the main interface.
2. Select the "Wealth" option in the bottom menu, drop down the page, and then select the "Small Gold Card Handling" option under the "Recommended Reading" directory.
3. On the "Small Gold Card Processing" page, select the following "Small Gold Card Savings Card Application Processing" option.
4. Then enter the small gold card introduction page, with the option of "handling the card" below, and enter the application page after selecting it.
5. As the name, ID number and mobile phone number are automatically displayed, just enter the verification code and select "Agree to the agreement and submit the application".
6. After the application is successful, you need to bring your ID card to the Industrial Bank outlet to sign the card in person.
Jingdong Financial Group, which was independently operated in June 20 13, is positioned as a technology company serving financial institutions. Established 1 1 business departments-corporate finance, consumer finance, wealth management, payment, crowdfunding, insurance, securities, rural finance, financial technology, overseas business and urban computing. In addition to serving financial institutions, JD Finance is also reserving its technical capabilities to serve non-financial enterprises and cities, and will provide a wider range of scientific and technological services for the whole society.
In terms of data acquisition capability, JD Finance is backed by more than 240 million active users of JD.COM Group, with hundreds of thousands of suppliers and partners' data and transaction data; At the same time, through investment and cooperation, enrich data resources. In terms of data technology capabilities, based on big data, technical applications such as learning, artificial intelligence, image recognition, map network, and blockchain are carried out;
In terms of data model product capability, risk quantification model, marketing model and user insight model are developed. Jingdong Financial Group has established a set of financial infrastructure such as risk control system, payment system, investment and research system, investment and care system, DaaS (data as a service) platform and SaaS (software as a service) platform through leading big data application technology.