The scenes of the Instead Payment industry are very rich, which can fit different industries. But there are risks inside, such as money laundering risks and fraud risks. Therefore, risk management and control for such scene is particularly necessary. By establishing relevant models, quantifying customer background identity information as much as possible, and then pre-provisioning the management and control of possible risks, has become a necessary work for the development of payment institutions.

Chen hudong. A Simple Exploration of the Instead Payment Scene and the Model Analysis of the Customer's Back-Adjustment in the Scene. The Frontiers of Society, Science and Technology (2020) Vol. 2 Issue 16: 107-115. https://doi.org/10.25236/FSST.2020.021616.

[1] Niu li (2019). Investigation and reflection on perfecting the payment and settlement system in rural areas. New Finace World, no3, pp.34-36.