Chapter 469: Online Payment
"Are you using this to sell news?" True Monarch Duobao asked, twirling his beard lightly, his tone was obviously a little worried, or he didn't take it very seriously.
Indeed, in this world, the business of buying and selling news is often the same as other normal commodities, and it is said that the rarest is the most expensive. Moreover, people who buy news will not be willing to spend a lot of money to buy news that everyone will know, and they are often the only ones who ask for the news.
It can be said that this Shenhua news is in essence in conflict with the business of buying and selling news. Not to mention that there is nothing to cooperate with, even those forces that specialize in news and intelligence business, I am afraid that they will not tolerate the existence of Shenhua news. Now, that is, the voice transmission of thousands of miles is not very popular. Once it really reaches the point of replacing all voice transmissions of thousands of miles, it will inevitably arouse the hostility of those forces.
However, upon hearing Zhenjun Duobao's words, Ye Zan shook his head with a smile, and said, "No, Zhenjun misunderstood, this Shenhua news is not selling news, but sending news for free. As for what is news, I believe there is no need to explain too much.”
What news? Although there is no such thing as "news" in this world, it can still be seen literally. The straightforward explanation is "fresh news and rumors".
"Free delivery?" Zhenjun Duobao couldn't help frowning, and after a moment of consideration, he said to Ye Zan with a hint of persuasion: "Elder Ye, since it's free, where does the benefit come from? Besides, it's free like this." Sending a message will undoubtedly touch the interests of some forces, and I am afraid it will not be a good thing for Yu Qingzong."
Although free is nothing new in the tech world, it caused a lot of controversy when it first appeared. For example, in terms of anti-virus software, in the early days, those anti-virus software were not cheap. But then free anti-virus software appeared, and people found that it was free, not because they couldn't make money, but because they changed the object of making money. The most direct is advertising revenue. As long as you can have a large number of customers, people will naturally be willing to come to you for advertising. In addition to advertising, there are various promotions and derivatives, which can also bring benefits to it.
Of course, this world is different from the world of science and technology, so the free method of the world of science and technology cannot be completely suitable for this world. At least, in this world, especially in the monastic world, there is not as much advertising demand as in the technological world. In other words, if the free method of the technological world is completely applied, there may be no need for other forces to make trouble, and the Shenhua News Platform will have to starve itself to death.
Ye Zan naturally considered this issue, so he also made some appropriate changes in the free method of Shenhua News Platform according to the market characteristics of this world.
"Zhenjun might as well listen to the detailed introduction below." Ye Zan said with a smile.
Although True Monarch Duobao couldn't imagine how Ye Zan could benefit from this aspect, after all, the two sides have cooperated a lot, so there is still some patience, so he nodded and said: "Okay, the old man will listen carefully. .”
"Actually, this Shenhua news, I call it a news platform, is like a wall where announcements are posted. It is a place where many people can release news. Not only individuals, but also those forces that originally engaged in this business. You can publish some news information on this news platform." Ye Zan further explained the role of Shenhua News.
"News platform? This statement is also appropriate." True Monarch Duobao said. However, his brows did not relax because of this, after all, Ye Zan hadn't mentioned the issue of profit yet. What's more, he also heard it,
Ye Zan wanted to attract those forces selling news to participate in this news platform, but this would require more benefits.
"Other users of Thousands of Miles Vividness can watch all kinds of information through Shenhua News. In my plan, it is indeed free. However, those who publish news information will get a certain amount of remuneration for the manuscript. The amount of this remuneration will depend on Ratings are based on the importance of information. As for how to rate, I believe that those who specialize in this business should have their own standards. You can refer to their standards at that time. Of course, the most important thing is the authenticity of the news, and release fake news Naturally, they will be punished." Ye Zan then briefly introduced the source of the news.
However, upon hearing Ye Zan's introduction, True Monarch Duobao's brows not only did not relax, but frowned even tighter. He squeezed out the word "Chuan" between his brows and said, "Watching the news is free." Yes, but publishing news can make money, is Elder Ye sure that this business is really a business?"
It's nothing to earn remuneration for publishing news, which is not much different from those who originally sold news. But watching the news is free, so where does the remuneration come from! Could it be that Yu Qingzong wants to put money in it himself? So what kind of business is this? If you still want to attract people to cooperate, do you just cooperate and post money together?
"Don't be impatient, Zhenjun, I haven't finished talking yet, and I'm going to talk about the profit channels of this news platform." Ye Zan said indifferently.
"Oh, the old man is impatient, Elder Ye, please tell me." Seeing that Ye Zan seemed to have a plan in mind, True Monarch Duobao showed a little curiosity, and stretched out his hand to signal Ye Zan to continue.
"When it comes to profit, it's actually simple. It's not necessary to explain everything clearly when publishing news. In fact, there is still a difference between news and news. Those who do this business have long known There is a similar approach. Send out the superficial things for others to see, and then sell the core content to interested people. And this news platform actually does not need those too detailed content, what they want is that they can post Show others the content that can attract people's attention." Ye Zan still didn't say how to make a profit, but it's already very clear.
Although Tianbaozong does not specialize in news business, it also has business in this area, and more importantly, it has many contacts and even cooperation with the forces that actually do this business. Therefore, for this business of buying and selling news, True Monarch Duobao has a relatively good understanding of how it works. Therefore, Ye Zan didn't need to say it too clearly, True Monarch Duobao could understand Ye Zan's meaning.
Those forces in the news business will hide all kinds of news, edit them into books, and use them to attract potential customers. After all, if you don't say anything, how will others know what news you have. In fact, this can also be said to be a kind of advertisement, just like those auction houses will print and distribute the catalog of auction items to let people know what items will be available in this auction.
Therefore, upon hearing Ye Zan's explanation, True Monarch Duobao immediately understood that the actual function of this news platform is actually like a brochure printed by those forces themselves. However, due to the characteristics of thousands of miles of vividness, the scope of publicity of this news platform is obviously much larger than those of those pamphlets. In this case, this news platform may attract competition from those forces, so it is not a big problem to spend some money for it.
After all, for both sides of the transaction, this news platform is like an intermediary for buying and selling news. It is not unacceptable for the intermediary to extract a certain share from the transaction.
Seeing Zhenjun Duobao's sudden expression, as if he understood the meaning of the previous words, Ye Zan then added: "In addition, on the news platform, I also plan to add advertising positions. Advertisers must be willing to pay for these advertising positions."
"Advertisement?" True Monarch Duobao nodded, there was nothing difficult to understand about it.
In fact, what Ye Zan said before can also be understood as a kind of advertisement, and the entire news platform is basically an advertisement platform. Of course, in the eyes of True Monarch Duobao, the biggest profit of this news platform is still on those forces that do news business, and product advertisements can only be regarded as beating rabbits.
However, True Monarch Duobao, who seemed to have suddenly realized something just now, thought about it in a deeper direction following Ye Zan's introduction, and his slightly relaxed brows frowned again. All of what Ye Zan said sounds feasible, but there is a problem that seems to be unsolvable, and that is the problem of payment.
On Yu Qingzong's side, those who released the news had to be paid for their contributions, so how to pay for the contributions? Those who do news business have to complete their business through the news platform, how do they pay for this? The news platform needs to extract a certain amount of intermediary fees from the news business forces, how to pay for this? Finally, for those who want to advertise their products, how can they get the news platform to advertise and pay the news platform for advertising?
In fact, not to mention anything else, it is a very troublesome thing just to pay news sources for publishing articles. After all, although there are similar banks in this world, the delivery method is still in face-to-face transactions. Even if you use the money ticket from the bank, you have to hand it to me in person, so that I can take the money ticket to the bank to exchange it into money.
"Elder Ye, I can agree with the profit method you mentioned. However, the number of money transactions involved in this will inevitably increase. How to solve this problem?" Duobao really In fact, Jun has already felt that the cooperation Ye Zan mentioned may not be a news platform at all, but a money transaction. But the problem is that even though Tianbaozong's banks are spread all over the market, they can't solve the payment problem, or they have to spend a lot of energy on it. But where does Tianbaozong's income come from? No matter how you look at it, it is a matter of light effort and no benefit.
"Zhenjun should also be able to see that the cooperation with Guizong I am talking about below is not on this news platform, but on this final payment transaction. I will call this transaction method online transaction, or online payment Well, the first requirement for all traders is to have their own account in Guizong's bank. And all the transactions on Qianli Chuanshen go directly through Guizong, and the money is directly transferred to their account. Of course, this is just a brief introduction in the next section. Regarding the detailed rules, I have already drawn up a plan, Zhenjun may wish to read it.” After a brief introduction, Ye Zan sent a plan about online payment, I gave it to True Monarch Duobao.
Online payment, to put it bluntly, is a matter of transferring money. However, there are some differences between banks in this world and banks in the technological world.
For example, the banks in the technology world take deposits to pay interest to depositors, and the way banks make money is by lending. In this world, banks charge management fees from depositors, and at the same time lend money to earn interest.
It seems that Qianzhuang makes more money, but in fact it is not, because spirit stones and talisman money are depleted during storage. Although the bank can use some means to continuously exchange out the lost spirit stones and talisman money, this loss cannot be counted.
And Ye Zan's plan is not so much a plan for online payment, but a plan for bank restructuring. If the plans were followed, the banks of Tianbaozong would probably be renamed banks. Moreover, if online payment is promoted and becomes the main payment method for ascetics' transactions, it can also greatly reduce the impact of the loss of spirit stones and talisman money.
Zhenjun Duobao sat there, flipping through Ye Zan's plan, the more he looked at it, the more surprised he became, obviously he was surprised by the content of the plan. In fact, it doesn't mean who is smart and who is stupid, but True Monarch Duobao is in such a world, so he will naturally be affected by his inherent thinking. For example, the issue of interest on deposits, if I keep money for them, do I still have to pay them interest? But, from another point of view, I use their money to lend money to make money. Isn't it normal to give some interest in order to let more people give me their money for use?
Of course, the key here is the loss of currency preservation. In fact, in the feudal period of the scientific and technological world, people mainly used copper as the transaction currency, and there was a problem of loss of preservation. When the currency is just a piece of paper, the loss is naturally not so serious, and the bank pays interest to absorb deposits, and naturally there is not much burden. When technology develops to a certain level and people start to use virtual currency, the loss will be even more negligible.
"I didn't expect that Elder Ye would have such a unique insight into the operation of the bank. I really admire you." Zhenjun Duobao said with emotion after reading the proposal. However, he only said that Ye Zan's insight was unique, but he did not fully affirm Ye Zan's plan. After all, this bank is regarded as a pillar of Tianbaozong, and if it dares not make any problems easily, it is naturally impossible to carry out drastic reforms immediately based on Ye Zan's plan.
"Zhenjun has won the award, and I'm just talking on paper. If there are any omissions in this plan, I need to be corrected by the capable people of Zhenjun and Guizong." Ye Zan said very modestly. He also knew that it was impossible for Tianbaozong to adopt this plan immediately, but Qianli Chuanshen would not be popularized soon, so there was no need to worry too much about the time.
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