company basically deploys multiple

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5.. Refund Center Handle refunds and user evidence. In the cross-border payment scenario, credit card users contact the card issuer and say that the card is stolen, the goods are not received, or there is a problem with the goods, etc., and refuse to pay the merchant. There are basically no cases of payment refusal in China. 6. Some extended knowledge 6. Prevention and control of technical risk and capital loss Generally speaking, technical risks mainly include two aspects: stability and capital loss. Among them, stability risk is a few nines that everyone often talks about, for example, 99.



999% availability is five nines. Capital loss risk is the capital australia email list loss of the platform or users. Although capital loss is also a type of technical risk, for professional licensed payment processing companies, capital loss is a very serious accident that can easily lead to user complaints, network incidents, and even regulatory intervention, so it is more serious than ordinary risks. If it is serious, the prevention and control of capital loss are often considered separately. The technical risk system is too large, so here are just some general insights. Identify where the risks come from We usually need to know where the risks come from before we know how to prevent and control them.



And the risk often comes from change. Here are some examples to illustrate: Traffic changes: In scenarios of a major promotion, traffic will increase dramatically. Code changes: New code is introduced. Business changes: Business processes are modified, or new jobs are introduced. External changes: New methods of external attack. Face risks Respond to risks based on changes. For example, if a major promotion introduces changes in traffic, then we should do stress testing, capacity expansion, power throttling, downgrading non-core services, etc. For example, originally there was only payment, but now there are user withdrawals, the status/amount of multiple internal subdomains may be inconsistent,and the status/amount of the banking channel may also be inconsistent, and appropriate contingency plans must be added.