Chapter 1123 Third Party Payment (Six/Ten)

payment software? Kirilenko doesn't quite understand, isn't there an online bank? Why do we develop payment software and sell it to banks?

Seeing Kirilenko's dazed expression, Feng Yu explained: "Brother Ji, look, we now have two payment modes in the online mall, right? One is to pay for the order online and then deliver the goods. The other is It’s an order, cash on delivery, right?”

"That's right, one is to accept bank transfers, and the other is to accept cash. What does the payment software you mentioned do?"

"The payment software I'm talking about is called a third-party payment platform, which is also a kind of credit intermediary. You see, our current payment method, cash on delivery, is easy to be returned by the other party, and then we lose the shipping cost in vain. It's easy. This kind of model is a way to attract customers and increase our reputation.”

"Pay directly through online banking, so once the product received is inconsistent with the one photographed, there is no way to return it. Others have already collected money, what can you do? If you want a refund, it will be too troublesome, and it will make the customer have a hard time. A feeling of worrying about being cheated and not getting the money back.”

"At this time, we need a third-party payment platform, which is what I said, the payment software we developed ourselves. The buyer pays us the money, and we notify the seller to deliver the goods. After the buyer receives the goods and confirms, we Then pay the money into the seller's account, during this period, we form a credit guarantee."

"If the buyer thinks that there is a problem with the product, he can complain. After the website checks, this part of the funds has not been paid to the seller, so it is easier to refund, and there will be no situation where the seller will not pay back the money. This is a kind of giving A payment platform that provides more protection for the buyer can greatly increase the credibility of the website. It can also replace cash on delivery and avoid wasting shipping costs. The buyer can only get his own money after returning the goods, which can also avoid Seller's loss."

Kirilenko seemed to understand, and asked: "Then why do others trust you? The intermediary is a credit guarantee, and you have to have a good credit record to make others trust you."

Feng Yu pointed to Kirilenko, then pointed to his own nose: "We are credit. We are here to guarantee this third-party payment software. You and I are worth enough to convince customers that we will not lie to them That little money, and their money was cheated, we can afford to pay."

"Are we here as a guarantee?" Kirilenko didn't expect this, but after thinking about it carefully, it seemed to make sense. No one would think that Feng and him would cheat the client of the money. The current user traffic is not large at all. Even if there are a million orders a day, a single order can cost up to one thousand US dollars, which is a transaction volume of one billion. Either of them can easily afford the money.

"No, Feng, can the bank agree?" Kirilenko thought of a question.

"We need to discuss this with the bank. What we provide is a guarantee, without taking any profit, and it can also greatly increase the bank's capital flow. Why would they refuse?"

"Wait, we don't take a cent of the profit? If we do a credit guarantee, we need to invest a lot, right? Not to mention software development, even software operation, the money that needs to be spent is by no means a small amount. We don't take a cent." Divide the money, should we just invest? That’s not a loss!” Kirilenko looked at Feng Yu’s eyes, as if he thought Feng Yu’s brain was trapped by the door.

"No, no, no, we won't lose money. We will make more money through this software. If this software is done well, the profits we can get in the future may exceed those of online shopping malls."

"Let me give you two simple examples, very simple financial principles. You see what our ordinary banks look like, that is, you open an account, the bank keeps the money for you, and then pays you interest on a regular basis. Of course , The bank is not losing money, just use the money to invest, such as lending money, buying funds and so on to make money."

"The most important point here is an account. Whether you deposit or spend, there is an account.

And this account is where the biggest profit lies. "

Kirilenko is completely out of his mind this time. Compared with Feng Yu, his financial knowledge is far behind. He understood what Feng Yu said at the beginning, but he didn't understand Feng Yu's saying that debt was the biggest profit.

What kind of profit is there in the account? It's just a record. Is this thing worth it? If it is a false account, then this account may be very valuable to some people, but most of them are real accounts, what is it worth? Can you still make money with this account?

"You know that the United States has a credit record, right? How do they measure the credit record? The most important thing is through the bank's account! How much deposit do you have, how much is your monthly inflow, how much is your outflow, how much are you borrowing, whether your repayment is timely, etc. , do you understand this?"

Kirilenko nodded, then shook his head again. He understands all of this, but he still doesn't understand Feng Yu's account of making money.

Feng Yu patiently explained: "Your income can be judged by the monthly inflow. Your consumption concept can be judged by the monthly outflow. And the destination of the outflow is the most important. Through this account, we can clearly see , what does this person do, what does he like to buy. Of course, a big data analysis is required, and the most important thing to analyze is a consumption habit.”

"Through this account, I know your consumption habits, so in terms of advertising push, don't I have an advantage, and I can push more targeted advertisements that you are interested in, right?"

Kirilenko nodded, that's right, just like he likes to drink, many people who want to cooperate with him, the first choice is to invite him to drink, especially those he has never drunk.

In the previous life, many people who went online would find that some advertisements with peach treasures, some of the push advertisements on it were related to your past consumption. Even the advertisements pushed to you on all other online shopping websites are related to this, because those websites also use the same third-party payment software. ℃≡miào℃≡bi℃≡ge℃≡

This is only for the buyer, and the seller also has great value.

"Another point is that through this account, we can know which product sells better, so we can increase production and reduce costs due to increased production."

This is the origin of those explosive models on the Internet in the previous life. Without the support of these big data, who knows which product can be so popular and dare to produce so many? The third-party payment software can clearly know which product will become a hit.

Kirilenko said excitedly: "This way we can increase the consumption of the website, right? This is really a good thing!"

Feng Yu "..."

You thought of increasing consumption? Have you never thought about cooperating with those manufacturers that are hot? Even if you sell the news, you can still make a profit!

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