Reborn Rich To Rival Country

"Chen Mo, congratulations on becoming the first heavenly king in this ranking of heavenly kings."

"According to the rules, give your comments."

Li Chungang smiled lightly.

Chen Mo stood up and said with a smile: "Actually, I was very surprised to become the first king this time. First of all, I would like to thank my girlfriend, if it wasn't for her, I wouldn't have become the first king so quickly. ."

"Secondly, I would like to thank you the most..."

Chen Mo's mouth curled with a hint of playfulness, and he looked at Shang Ying, who had no light in his eyes.

"It's the king of Shang Ying, the old gentleman!"

"If it wasn't for his suggestion that the ranking of the heavenly kings be changed to once a year, I would not have been able to be re-elected as the first heavenly king for a whole year."

"Thank you, Shang Tianwang, thank you for letting me complete the oath of surpassing Shang Wang within three years!"

Shang Ying: "..."

His face is green!

This is simply murderous! ! !

It was Shang Ying himself who made Chen Mo re-elected the first day king for a whole year! !

And he was killed by his grandson for a whole year at the back of the crane!

The ranking of the kings came to an end in such an unexpected situation.

Chen Mo asked for leave from the company that day, and cooked and entertained Gong Ziyuan himself.

"Wife did a good job this time, open your mouth and reward you with a big drumstick." Chen Mo said with a smile.

The two were tired and crooked for a while, Gong Ziyuan talked about the main problem of the tutor network now:

"There are two big problems with this project that haven't been solved yet."

"First, the head effect is serious. The auction rate of star students is high, and there are many recommendations. The exposure of middle- and bottom-level students is seriously insufficient. But it is not cost-effective if the recommendation is given to those middle- and bottom-level students."

Chen Mo thought for a while, and then said: "This is simple. It can be recommended by a big data algorithm. After calculating the actual payment ability of the user, recommend it to the corresponding students who can pay."

"In this way, users who can only afford the middle and lower levels can greatly reduce the exposure of top students."

This practice is actually a short video algorithm recommendation in the future.

Short videos in later generations use algorithms to form a set of data models after users have used them for a period of time, and only recommend videos that users are “interested in”.

Now, Chen Mo just changed the video to student tutoring. The kernel of the algorithm remains unchanged, and the size of the tutoring network is much smaller than that of short videos, and the algorithm is much simpler to write.

Hearing this, Gong Ziyuan couldn't help but exclaim: "Good way! Why didn't I think of it?!"

Chen Mo smiled without saying a word.

You can't imagine because you are not a rebirth!

"The second problem is that the viscosity of the tutoring network is very high now, and it has almost become a strong demand for parents, but you also know that their payment methods are now only bank transfers or mailing checks. Each is quite troublesome. of.

This also resulted in the loss of many orders. "

Hearing this question, Chen Mo's heart suddenly jumped!

He asked calmly: "Then... have you thought of any good solutions?"

Gong Ziyuan said: "I actually thought about it, if you can pay through the Internet, you can greatly reduce the loss of orders.

For example, if we can build a software that connects banks and users, will it be much more convenient?

However, it is a bit too much to focus on building an online payment platform just for the tutoring network project. It doesn't seem worth it. "

Chen Mo looked at his girlfriend like a ghost.

The so-called "network payment platform" in Gong Ziyuan's mouth is the direct payment treasure of later generations! Unexpectedly, the idea of ​​this super god-level software that was used by hundreds of millions of people in later generations and changed the payment habits of Daxia people was actually conceived by Gong Ziyuan!

Chen Mo had to sigh, his wife is really a treasure girl!

Gong Ziyuan felt that being an online platform was a bit of a fuss, but Chen Mo didn't blame her for not having enough vision.

In fact, telling any of the Internet giants about the most basic payment mode of DirectPay will not get much attention.

Now, few companies will be interested in this kind of online payment platform, because the current Internet speed is too slow, most people don't even have a computer, and there is not much demand for online shopping.

Therefore, no one is willing to invest huge manpower and material resources to do such a thing that is not needed now.

Even Mr. Ma, the founder of Zhifubao, has no intention of creating Zhifubao at the moment. Moreover, when he created Zhifubao a few years later, he just wanted to use this thing to make it more convenient for users. Just a tool.

As for this "tool" getting bigger and bigger, and finally becoming a special, cash-laden aircraft carrier in the Internet industry, it was the result of unintentional intervention.

Chen Mo sighed at Gong Ziyuan's avant-garde vision, patted her on the shoulder and said, "Wife, your idea is very good, and the online payment platform is not what you said, it is a big deal."

"This kind of platform is a means of gathering users and tying users' habits. Once we do it and do it well, more than half of the capital flows on the Internet will pass through our platform in the future!"

"I can tell you responsibly that in the future, it will be an era when everyone will live through the Internet! Think about it, in that case, seven or eight billion people in Daxia are using our online payment platform. What kind of situation?"

Gong Ziyuan swallowed: "I am afraid that the daily turnover of the platform alone will cost hundreds of billions. The accumulated funds are enough to defeat any bank in the world. In the financial field, we will have an unparalleled right to speak!"

Chen Mo said with a smile: "Not only that, we have to match this platform with a huge e-commerce platform, and even make it a financial platform with huge capital deposits!"

"In that case, the people of Daxia will use our software for money, shopping, travel, and seeing a doctor. We can even let this software go out of Daxia and go to the world, so that people all over the world can use it!!!"

The more Chen Mo said, the more excited he became!

After all, it is only 2001, and there are still several years before the earliest online payment platform in foreign countries!

If Chen Mo really lays out in advance, maybe it can really create an online payment platform that is enough to conquer the world!

At that time, the funds of the whole world will be used for it, and how brilliant it will be! ! !

After listening to Chen Mo's words, Gong Ziyuan said worriedly: "But the bank probably won't be willing to cooperate with us, right? After all, this is robbing them of their jobs."

Chen Mo smiled and said: "Yes, you have considered it very well. The four major banks will not cooperate with us. But why do we have to deal with the entire banking system?"

This is actually the biggest problem that Zhifubao encountered in the early days - there is no cooperation between the big banks and the total.

And how to break it?

The answer is to find a branch for cooperation!

It is to use its own funds and the in-transit funds deposited during the settlement of the e-commerce platform as bait to seduce the provincial branches of various banks to open payment merchants for them!

Gong Ziyuan was dumbfounded: "What do you mean? Cooperate with one of the banks alone?"

"No." Chen Mo shook his head: "Go directly to cooperate with the lowest-level branch, such as an Agricultural Bank branch in Imperial College."

"You think, the tutoring network can now have a fund of no less than 50 million per month. This is only the initial stage. In the future, this number will increase by a dozen times, and it is possible to do it dozens of times!"

"In the past, we remitted the funds directly to the bank account, but we don't do this now. We put the money into our payment software. My name is "Direct Pay", which can be used for any branch. In other words, this money represents huge benefits and performance! "

"What do you think they would think of us if we promised to use the money for a month's deposit in their bank?"

Gong Ziyuan's eyes lit up: "Then don't treat us as the God of Wealth!"

"Ruzi can be taught!" Chen Mo nodded with satisfaction and continued: "Such a huge flow of funds is deposited in our direct payment treasure, and we can use it as a bait to seduce major branches to cooperate with us."

"I believe that it is impossible for any branch to refuse us, and we don't need them to really sacrifice their lives. The only thing we can do is to open online payment merchants for us."

"For example, as long as a branch of the Agricultural Bank of China has opened an online payment merchant for us, then all the online banking users of the Agricultural Bank of China can make payments through this channel, or withdraw cash from it!"

Saying that, Chen Mo put his excited hands on Gong Ziyuan's shoulders, "If it was before, it might not be easy to achieve. But my beautiful, cute and smart wife, you have created the gold medal project of Tutoring.com, which has made Yuanlaoge a stake. , which branch do you think will refuse?!"

"Actually, I had the idea of ​​​​direct payment a long time ago, but I was suffering from no good opportunities. I didn't expect that my wife, you had no intention of creating such a good opportunity for me!!!"

"Hahahaha... hehe~~~~"