Chapter 187 The Blueprint of Alipay

Kong Lingyu has been very busy recently. Since he arrived in Yanjing, he has not been idle for a moment, because this time in Yanjing, his responsibilities are much more than when he was in Jinling. In Jinling, he has to take care of a technology. The team led everyone to develop according to Li Mu's requirements, but now, he is acting as the general manager of Muye Technology. Suddenly, many things need his attention, understanding and even operation.

Thanks to Lin Qingya's help, I was able to stay in order and not get messed up by many complicated things.

On Saturday, Kong Lingyu just finished connecting with Baidu's technical staff on the Internet. In the future, the daily maintenance of 3321 will be transferred to Baidu. He can reduce one thing at hand. He plans to temporarily put his best Putting the technology aside, hurry up with Lin Qingya to figure out the company's articles of association, performance appraisal, and personnel recruitment. Although Lin Qingya has planned a new department structure, the company is still in urgent need of talents. state, these problems must be resolved quickly, so that Muye Technology can really get on the right track.

On Sunday, Kong Lingyu originally planned to organize the performance appraisal plan at home, but Li Mu called and said, "Come to Yucheng Garden, I have something to talk to you about."

As soon as Kong Lingyu heard his tone, he guessed that there must be a new mission to come. Although he felt miserable in his heart, there was a kind of pilgrimage-like anticipation and excitement in his bones.

He has long regarded Li Mu as his only beacon in the Internet world and his only guide on his career path, so he has been looking forward to seeing what new things Li Mu have that can open his eyes.

So he took his laptop and took a taxi to Yucheng Garden.

In Li Mu's living room, he heard the blueprint of "Alipay" from Li Mu for the first time.

Kong Lingyu's first impression was that this blueprint was not big, it was just a means of online payment. Now that the viscosity of 3321 is so high, it has almost become a strong demand for parents of students. In this case, even if the current payment is troublesome, they will not have any complaints. Even if there is a real complaint, it will not affect their payment actions, so it seems that it is a bit of a fuss to concentrate so much energy on being an online payment platform.

Li Mu didn't blame him for not having enough vision.

In fact, telling anyone on the Internet about Alipay's most basic payment model probably won't get much attention.

Today, few businesses would be interested in such an online payment platform. Because there is almost no demand for online shopping in the current Internet, the vast majority of Internet consumption behaviors are virtual products of online games, such as point cards.

However, online game companies have already developed payment channels offline.

Online payment is not very attractive to them, and they will not invest a lot of energy to do such a thing.

Even the founder of Alipay, Mr. Ma, will not look beyond the e-commerce itself to see the development prospects of Alipay. What's more, Alipay's early positioning is only a tool to enhance the trust of Taobao users. As for this "tool" getting bigger and bigger, and finally Alipay becoming a special, cash-laden aircraft carrier in the Internet industry, it is mostly the result of unintentional intervention.

Li Mu couldn't tell him that the payment platform is just a means to gather users and bind their habits. In the future, he wants to make nearly half of the capital flow on the Internet go through Alipay, and he also wants to use Alipay with a huge e-commerce platform, such as Taobao.com ; Even he will become a major shareholder of Jingdong before it becomes bigger, and finally make Alipay a super financial platform with huge capital accumulation. Leng Wang Dotes on His Wife: The Crazy Concubine

Even Li Mu himself can't guarantee that he can make Alipay by himself, whether he can really make Alipay. I think there are too many places to think about and scruples about this kind of thing. It is also too easy to be controlled by policy.

After seeing Li Mu's product framework, Kong Lingyu said worriedly, "These are all wishful thinking. If the bank doesn't want to open this interface to us, everything we do will be in vain."

Li Mu nodded: "Is there anything else, continue talking."

Kong Lingyu said: "I don't know what to say, you are the boss after all, and although many things you have done in the past seem impossible to me, the successes over and over again have given me absolute information about you, but , this time seems to be a little different. Compared with banks, our volume is too small. What I suspect is not the Alipay model, but the links that Alipay needs to get through."

Li Mu smiled slightly and said: "You are right, if you compare Muye Technology with the banking system, it is basically the same as the difference between sesame and watermelon, not to mention the four major banks, even other joint-stock commercial banks, We are far inferior to others.”

Hearing this, Kong Lingyu also frowned. Yes, how to establish cooperation with the bank? If this layer is not fixed, the Alipay project cannot be implemented.

At this time, Li Mu's words changed, with seven-point confidence and three-point drama, and asked, "Just, I ask you a question, why do we have to deal with the entire banking system?"

Kong Lingyu was dumbfounded: "What do you mean? Cooperate with one of the bank brands alone?"

"No." Li Mu shook his head: "Cooperate directly with the most grassroots branches. For example, there is an Industrial and Commercial Bank of China branch of Renmin University downstairs."

"Work with them?!" Kong Lingyu didn't understand.

Li Mu nodded and smiled, took out a piece of A4 paper, drew a cloud shape on it, wrote the three characters Alipay, then drew a circle in the lower left corner and wrote 3321, and finally drew a circle in the lower right corner and wrote " A branch in Yanjing."

After drawing these, Li Mu focused on the circle of 3321, repeatedly drawing thick circles, and explained to Kong Lingyu: "We are now able to attract 5,000 cash from paying parents. On average, it is no less than 5 million per month. This is only 3321. In the initial stage, we will double this number in the future. We may also go to Shanghai stock market and Yangcheng to carry out 3321 business. It may only take half a year, and we will absorb more than 1,000 paid funds every month. Ten thousand."

After speaking, Li Mu drew an arrow from the circle of 3321 to the cloud of Alipay, and said, "I used to transfer the funds directly to the bank account before, but I don't want to do this now, I want to get the money in. In Alipay, for any sub-branch, this money represents huge benefits and performance. If I promise that this money will be deposited in their bank for a week or half a month, you think they will treat me as a What?" Holy Valkyrie

Kong Lingyu's eyes lit up: "I will offer you as a god of wealth."

"That's right." Li Mu nodded and drew another arrow, from the cloud of Alipay to the circle of a branch in Yanjing, and said, "Such a huge flow of funds is deposited in our Alipay, I can choose to put this The money is deposited in any bank. If I use this to discuss cooperation with them, I believe that any branch will not refuse, and I don’t need them to pay anything. The only thing I need to do is to open an online payment merchant for me. For example, as long as ICBC has a bank that has opened an online payment merchant for me, then ICBC online banking users across the country can make payments to Alipay or withdraw cash from Alipay through this channel!"

As soon as he finished speaking, Li Mu vigorously slapped the a4 finger, his fingertip just pointed at 3321, and said with an unfathomable expression: "Don't forget, I have the golden signboard of 3321, and now 3321 With such a great reputation, whoever gets involved with him will benefit. Which bank do you think will refuse? If 3321 can be reported positively by CCTV in the future, then everything will be better!

There was a buzzing sound in Kong Lingyu's mind.

He still doesn't think that Alipay will have great prospects for development in the future, but Li Mu's method of making a lot of money makes him seem to have opened up a new world.

Just now, he was still struggling with 3321, Alipay, and Muye Technology. Even if he packed all three of them, they would be too weak to be ignored in front of any banking system. Possibly open the entrance and exit of this layer of funds?

However, Li Mu doesn't think about it that way. He never thinks about how insignificant he is in front of the big four banks or any commercial bank, because he already has his own calculations, and all I want is a bank It is only an approved payment merchant. As long as you open a port in any bank, it is equivalent to connecting the entire context of the bank.

To put it simply, it is like a POS machine. As long as you apply for a POS machine, you can link your credit card payment merchants with the bank cards of all domestic banks.

For Li Mu, this method of operation can be said to be his biggest reliance on Alipay, but he still managed to tell Kong Lingyu secretly, because he not only needs Kong Lingyu to help him write code, but also needs Kong Lingyu to grow and improve in a timely and rapid manner, becoming A general who can help himself immediately, so many things must be taught to him, let him realize the mode of operation in the future Internet world, and make him more sensitive and stronger.

Kong Lingyu's admiration for Li Mu has once again elevated to a new level. With such a monster-level boss, his potential progress and improvement is something he has never imagined before, not to mention Li Mu is a boss who knows how to distribute profits. When it was launched, he had already given Kong Lingyu the option of Muye Technology. Compared with many bosses who only made cakes for employees, a boss like Li Mu was too rare.

Kong Lingyu stood up excitedly and blurted out, "Boss, I'll leave this matter to me. Within half a month, oh no, at most 20 days, I will definitely develop Alipay for you!" (To be continued.)

ps: Second update! One more tonight!