Chapter 1160: Launching the First Shot of Mobile Payment

October 1st, National Day.

On the National Day, Yuanfang also organized some activities, but most of the employees were on vacation, and Yuanfang headquarters was much deserted than usual.

After watching the performance in the auditorium, Li Dong expressed his condolences and left the auditorium.

Ordinary employees can rest, but Li Dong and other high-level executives cannot rest today.

Yuan Chengdao took some people to the provincial military division to express condolences early in the morning, and the others also performed their duties.

Only Liu Hong, who has followed Li Dong since the morning, has always been worried and uneasy.

After leaving the auditorium, Liu Hong repeated the old story again, and said anxiously: "Mr. Li, the international version of Weibo will be launched tonight. Do you think it will be successful?"

Li Dong said indifferently: "It depends on the situation."

Liu Hong was about to cry, what does it mean to look at the situation?

In order to prepare for the international version, they have been working overtime these days and nights. In the past few months, Liu Hong has spent almost half of his time on international flights.

Even so, the international version of Weibo has only opened up to a few countries such as Britain, the United States, South Korea, and Thailand.

Similar to Weibo, a public opinion platform, it is not that simple to go online abroad.

Regardless of the freedom of speech mentioned in the newspapers, it seems that foreigners are really open, but in fact they just talk about it.

In order to enter the international market, Yuanfang Weibo has encountered many audits and restrictions.

A large part of the functions have encountered castration.

Even the old US government has stipulated that Yuanfang Weibo is not allowed to conduct politically oriented propaganda, violate laws and regulations, or...

The most critical one is that in an emergency, the government has the right to shut down the website.

This is what is called democracy and freedom!

What is called an emergency, Li Dong has the final say, and Yuan Fang has the final say, the federal government has the final say.

Maybe one day, people say it will be closed, so what can you do?

Although Li Dong doesn't care much about these things, he knows them clearly.

People under the eaves have to bow their heads, and there is no other way but to agree in the distance.

This is because Yuanfang Weibo has both Sequoia and IDG operating under the premise of having foreign capital. Otherwise, whether it can be launched abroad is a problem.

Liu Hong was concerned about this matter, but Li Dong was not too concerned.

To be honest, it is much more difficult for domestic Internet companies to go abroad than imagined.

It's okay for companies that belong to e-commerce, but a public opinion platform like Weibo is not so difficult.

It is said that domestic public opinion is strictly controlled, but it is not bad at all abroad.

In Li Dong's view, Yuanfang Weibo's entry into foreign countries is just a gimmick. The Asian market still has hope to become bigger and stronger. Europe and the United States are very wary of China.

Seeing that Liu Hong was nervous, Li Dong had no choice but to say: "It's a close call, and we'll know soon whether we can succeed or not.

Taking a step back, even if you fail, it's no big deal.

The failure to compete in other countries is not only due to business reasons, but also involves political factors.

If you really want to let go and do it, who is afraid of who will fail?

The main focus is still on the domestic side, as long as it can be done abroad, and if it can’t be done, the main line will be transferred as soon as possible. "

After all, Li Dong didn't give Liu Hong a chance to refute, and said again: "How is Wang Xin?"

Seeing Li Dong changing the subject, Liu Hong had no choice but to say: "I can't tell for the time being. After all, I have only been here for two days. These two days are mainly for some understanding work, and there is no substantive work."

"Well, let's see, after all, he is the founder of Fanfou, and he is quite familiar with Laomei's routine.

Fanfou also borrowed a lot of experience and models from Twitter. After a while, the international version will be handed over to him for management.

Seeing how he does, maybe there will be some unexpected surprises. "

Wang Xin arrived far away on the night of the 29th,

Li Dong was not as serious as Lan Xingguo towards Wang Xin.

Wang Xin's ability is not weak, and he also created Meituan.com in the future. It stands to reason that Li Dong should pay more attention to him, after all, he is more valuable.

But in fact, the current Wang Xin is just a loser, and he takes it too seriously, which actually lowers Li Dong's style.

Li Dong met with Wang Xin and had a brief chat before throwing him to Liu Hong.

As for whether Wang Xin can climb up on Weibo, it depends on him.

For the international version, if there are some surprises, then it will be a matter of course to enter Weibo next time.

...

Li Dong doesn't care much about the international version of Weibo, but he cares a lot about the mobile version of Wantong.

After chatting briefly about Weibo, Li Dong shifted his focus to Wankao and asked, "How is the impact of the mobile version of Wankaka launched?"

"The effect is quite good, but there are not many types of terminals that support the mobile version of Onecard, and the mobile phones that can download the mobile version of Onecard account for less than 1% of the total number of mobile phones.

The total number of domestic mobile phone users who really support the mobile version of Onecard and can run smoothly is probably only about 3 million.

Of course, these people are also our main customer groups.

Mainly business people, white-collar workers, and students, most of them are our inherent customer base.

As soon as the mobile version was launched in the morning, the number of downloads reached 20,000.

At the end of today, 50,000 downloads is not a big problem.

The next step is hard work and publicity. I dare not say that all of these 3 million user groups will be converted into our customers, but 30% is still possible.

Achieving 1 million downloads is our greatest success. "

Li Dong was speechless. At present, 1 million is indeed an extravagant hope.

After a few years, it’s still a problem to just get an APP out with a million dollars?

Alipay will have hundreds of millions of real-name registered users in the future, but at this time, in the field of mobile phones, no one cares about it.

As early as the beginning of the year, Alipay launched the mobile payment service.

But until now, whether there are 1 million users is still a question. After all, the total number is here. Except for first- and second-tier cities, who would use mobile phones to pay for such high-end services?

Yes, mobile payment at this time is very high-end, few people know how to use it, and few people even know that mobile phones can also be used for payment.

The so-called mobile service is just a gimmick if the smart phone is not released.

Li Dong was not disappointed either, he nodded and said: "Work hard towards a million, at least for now we still have an advantage, supporting the mobile phone bill payment business for water, electricity and gas.

Ali is not as good as us in this. We have opened up almost all first- and second-tier water, electricity and gas payment channels, and they still don’t even have this business.

Besides, even if there were, Ali would not be able to get through so many channels. "

Although Ali is somewhat famous in the Internet field, he is not very famous in the domestic business circle and the overall environment.

Li Dong is different. Yuanfang Industrial started up with businesses all over the country.

Provincial companies have opened almost all over the country. It is really not a big deal to use a little network to support a utility bill payment.

Ali probably had a bit of fun in Jiangsu and Zhejiang. He wanted to open up channels across the country and run away to kill them.

Liu Hong couldn't help laughing and said: "That's true, users in first- and second-tier cities are quite satisfied with our business.

Unlike small cities, everyone does not have this concept.

In terms of this emerging business, it is actually better to implement it in big cities, and it is easy to attract attention and spread.

Even Hirakawa may not be able to accept as fast as Beijing and Shanghai.

You know, we have cultivated a consumption concept for a period of time in Pingchuan, and most of the people who can accept it are the student group. "

Li Dong shook his head and said: "There is no way to do this, there is always a process of adapting to new things.

Habits need to be cultivated, and there is one thing, the current mobile payment is really troublesome. "

In 2008, the mobile payment business just appeared, and the payment method was called a bull fork.

In terms of mobile, there is also a payment service, but people directly complete this service by charging the phone bill and deducting the phone bill. It is said that it is mobile payment, but it is actually an online business.

As for Tenpay and Alipay, although they also launched mobile payment services, they are completely different from the modern mobile payment services that everyone understands.

Like Alipay, it can only be transferred through Taobao.

And the scope of application is limited to Alipay's cooperative merchants.

This means that if you are consuming at a merchant that cooperates with Alipay, if you want to pay with your mobile phone, you must first find the other party's store on Taobao, and then you can make payment through the online store.

It's not like now, you scan a QR code, and the money goes directly to your account.

Tenpay is even better. In fact, they don't talk about mobile payment, but they have launched a door-to-door collection service.

The clerk brings his own POS machine. You have to swipe your bank card first, then recharge online, and then pay through Tenpay. This is the so-called mobile payment service.

Alipay is not far behind. It is cooperating with Lakala these days and is also preparing to open this business.

The so-called "online shopping, offline payment" model means that you buy something on Taobao, and then go to Lakala to pay with your bank card.

In short, the current mobile payment services are all varied and strange.

You say it is mobile payment, then it is.

You say it is not, in fact there is no mobile phone, the same, I just bring a bank card to swipe the card, it is more convenient.

On the far side, because of Li Dong's suggestion, the situation is a little better.

The current Onecard has a dedicated payment interface.

Bind your own bank card, as long as the other party has a bank card, you can make bank card transfer payment through the payment interface.

Or, if you meet a cooperative merchant in a distant place, you can directly enter a number to make payment.

Yes, ID, Merchant ID.

Li Dong wanted to get a QR code and scan it to finish the job. The key point is that the current QR code technology is not mature enough to meet this requirement!

The other is mobile phones. Almost no mobile phone has a code scanning function.

In this way, Wanka's mobile payment business is actually at the top level in China and even in the world.

It's so simple, just open a payment page, and you can directly transfer money with an online bank card, which is so convenient!

When encountering a cooperative merchant, enter a serial number and choose to pay. This is also extremely simple. Unlike Alipay and Wanka, you only need to bring your own POS machine and Lakala.

Yuanfang’s extremely user-friendly settings, since Wankaka’s mobile version was launched in the morning, the praise has never stopped.

And for this project, Yuanfang is indeed not as simple as it appears. Just to get through the bank transfer business, several senior executives of Yuanfang Technology almost turned gray.

Now let’s not talk about inter-bank transfers, transfers between different cities in the same industry, you have to pay a handling fee, and the money is handed over to the bank.

Li Dong can't change it for the time being. It's better than Xiao Ma bringing a POS to the door and charging 15 yuan for a single transaction.

At least, the handling fee in the distance is much lower than theirs.

These days, I am not afraid of your fees, as long as you charge less than others, you will be successful. When Wanka’s business comes out, I am afraid that Brother Ma and Ma Yun will cry.

...

While Li Dong was slandering Ma Yun and Ma Huateng.

These two guys didn't cry, but they did seem to be a little curious, playing with the mobile phone in their hands.

Lin'an.

Ma Yun opened the Wanka page on the phone, clicked on the payment, and then a payment page popped up.

After fiddling for a while, Ma Yun said to Alipay's technical director: "Have you brought your bank card?"

"Bank card?"

The technical director reacted for a while, then immediately nodded and said: "Take it."

After all, he took out a bank card and handed it over.

Ma Yun fiddled with the mobile phone, and then began to enter the account number into the bank card. After a long while, he let out a long breath and said, "I paid 10 yuan, remember to return it to me later."

The technical director didn't know if he was joking or serious, so he smiled dryly and said nothing.

The two waited for a while, and Ma Yun suddenly said: "I paid you, did you not respond?"

The technical director was stunned for a moment, and then said: "I forgot to mention, now major banks only support online banking users to have SMS reminders, so customers who have opened online banking can receive notifications.

This is also a disadvantage of Onecard's business. Customers who have not opened online banking can only view the other party's operation page.

If you want to check the account later, you can only go to the bank to check it yourself. "

Ma Yun frowned and said: "Wanka's operation page is fairly simple, but there are many problems. First, if the payment is successful or not, no one will know if you don't activate the SMS reminder.

But the SMS reminder service can only be available to customers who have opened online banking. How many people have opened online banking these days?

Second, there are too many numbers in the bank account number, and their merchant code is feasible, with fewer numbers, and it is not easy to make input errors.

But if you make a mistake, the money will be transferred to the wrong place, how can you get it back?

Do both sides have to check many times every time?

Third, the arrival time is a little slow. Even if you have activated online banking and activated SMS reminders, you may not be able to arrive until tomorrow.

The customer paid on the spot, and everyone ran away. Whether you arrive at the account or not, it is not up to the customer to say.

fourth……"

Ma Yun summed up a bunch of questions, but finally he affirmed: "Anyway, Wanka is one step ahead of us, at least they have really realized the mobile payment business.

The flaws do not conceal the advantages, and Li Dong has done a good job in this regard, which has promoted the mobile payment business to take a big step forward.

As long as the few problems I mentioned are solved, the mobile payment business can really be promoted. "

Several people in the office nodded. It is true. At present, Wanka's mobile payment business is already at the top level in the industry.

The president of Alipay sighed and said: "Actually, the key is not only with us companies, some of the issues you mentioned are related to banking business.

It would be much easier if they fully supported it.

By promoting the mobile phone reminder service and shortening the arrival time, many problems will be solved.

But the chairman, in fact, Vancard also has a business, which is quite interesting.

That is, for both parties are Wanka users, they have a balance deposit page.

You can open it and see, if we all have Wancard, if you pay for me, the money can not be put into the bank card for the time being, but put into the balance deposit for temporary deposit.

On this, you can clearly see how much money you have.

The remaining money can be transferred to the bank card again, but a handling fee will be charged, that is to say, a double handling fee will be charged, but it is safer than the previous bank card direct transfer. "

When Ma Yun heard this, his eyes lit up immediately, and he said, "Try it, it's a bit like our third-party escrow account.

If it can be implemented smoothly, it will be a magic weapon to solve mobile payment or even online payment.

I just don't know if it works or not. "

Everyone didn't say much, and cooperated with Ma Yun to conduct another experiment.

Ma Yun looked at the balance display on the phone interface, pondered for a moment before saying: "This is Li Dong's killing move!

What worries us, other customers and merchants will only worry more.

But with this balance account, you can feel more at ease. Although there is an extra handling fee process, ordinary people would rather see is believing and pay an extra handling fee than wait for the account to be credited the next day to go to the bank to check.

This will be of great help to the promotion of Wanka mobile phone version. People around you are using Wanka for payment. If you don’t, then you will be left behind.

Maybe because of this, you will lose a lot of business, at least the merchants are willing to use this.

but……"

Ma Yun said with a sigh: "But Li Dong is also walking a tightrope, this kind of third-party account is too risky.

Different from the previous online payment, our third-party account is only hosted, and it is not actually operated by us.

Fortunately, Li Dong, his third-party account is obviously operated by Yuanfang.

Once it is pursued, I am afraid there will be trouble. "

The president of Alipay's eyes brightened slightly and said: "Then shall we..."

Ma Yun shook his head and said with a smile: "I understand what you mean, at this time, if you really want to cause trouble for Yuan Fang, you can find one right away.

But Li Dong is promoting the development of the entire online payment business, and we cannot trip him up at this time.

I, Ma Yun, have this overall perspective, and so do others.

Not only me, but Ma Huateng and the others will not say anything, they will just acquiesce and see how the situation progresses.

If it is interrupted by ourselves now, it will ruin the entire process of the online payment business. You must understand this truth. "

Everyone nodded, indeed.

Yuanfang is now the first person to eat crabs. If it is accepted by default, then everyone will follow up. The online payment business will definitely develop better than it is now. )!!