Since 2000

Tencent has determined the future development path, that is, relying on QQ to constantly learn from experience, and then build an ecosystem around Penguin.

After tasting the sweetness, they may adhere to such a policy and strategy for a long time in the future. Lianzhong is not the first victim, and they will not be the first victim.

Five minutes of silence for him...

Another future Chinese Internet giant, Alibaba, is determined to take a diametrically opposite path.

Ma Yun stood under the blazing sun and looked at this ever-changing city. He felt that human creativity was indeed boundless.

The times are developing too fast. If you cannot keep up with the pace of development in time, then you will be surpassed by a single individual and eventually disappear into the long river of history.

"What's so urgent, why did you come to Shenzhen specifically?" Lin Feng looked at Ma Yun suspiciously, and then poured a glass of cold water for him, who was so busy.

After getting along with Teacher Ma for a long time, Lin Feng is also familiar with each other's temperament.

If he doesn't want to understand some questions, the other party really can't sleep.

Ma Yun hurriedly took a sip of water to moisten her cracked throat.

"I'm here this time to ask Mr. Lin for advice on the online secure payment issue you mentioned last time." Ma Yun hurriedly said after drinking the water.

Lin Feng was startled, and then a playful smile appeared on his face.

"You said this, I'm already preparing for this project." Lin Feng looked at Ma Yun and said.

"What?" Ma Yun looked at Lin Feng in surprise, "You are already preparing?"

Lin Feng nodded with a smile, "Yes, we divided the search to Baidu, and now we don't have any other business besides games. It's not idle or idle, so we're going to launch another product."

Ma Yun was anxious, if Lin Feng did this, what else would he do?

"Mr. Lin, why are you developing this? You don't have much demand for payment, right?"

Lin Feng looked at Ma Yun and said, "The daily transaction volume of our game is not small. The traditional payment method has seriously hindered the development of the business. Therefore, our demand is still quite large."

After speaking, Lin Feng continued with a smile: "Besides, don't you Alibaba have a trading business? You can also use my trading platform at that time."

"Did someone take the lead?" Ma Yun seemed to be cut by a knife.

Although his original intention to develop a secure payment platform was to better develop his own Taobao.com, but he also ignorantly realized this huge market space in the future in the past two days.

"Mr. Lin, can you tell us your thoughts?"

Ma Yun looked at Lin Feng with hope.

Although this may involve 168's commercial secrets, he shouldn't have asked, but he is very curious about Lin Feng's unique insights into the future of online payment.

Lin Feng raised the corner of his mouth slightly, and then said slowly: "The effect of online payment is to replace banking institutions first."

"Replace the bank?" Ma Yun said in shock.

Lin Feng nodded slightly: "The first necessary function of an online payment platform should be down payment. Fast payment is the core original intention of this product."

"This problem is easy to solve, but how does the platform guarantee online transaction disputes? Or solve the trust problem between buyers and sellers? For example, we have Taobao." This is the key to Ma Yun's concern.

Ma Yun's biggest headache now is not online payment, but how to solve the distrust between buyers and sellers.

Buyers worry that they will be dissatisfied with the goods after paying, and the money back after returning the goods is not guaranteed, and the same is true for sellers.

"This problem is easy to solve." Lin Feng looked at Ma Yun and said, "If you can sign an agreement with each of the merchants that settle in, every online income must stay in the account of the online platform for a period of time, then this problem It was resolved naturally.”

Ma Yun looked at Lin Feng puzzled, he still didn't understand what Lin Feng meant.

Lin Feng said with a smile: "For example, if I buy something on Taobao, I will first pay the money to Alibaba's account, and Alibaba will provide guarantees for both buyers and sellers. If the buyer confirms the goods after inspection, Alibaba will then pay the money to the merchant, and if the buyer is not satisfied with the goods or has other disputes, Alibaba will return the money to the buyer. If there is a problem in between, Alibaba can also quickly There will be no loss for any of the aggrieved parties if a fair ruling is made."

Ma Yun's eyes lit up, "Yes, if this is the case, wouldn't the credit problem between the two sides be completely resolved?"

Lin Feng's explanation made Ma Yun quickly figure out the solution to Taobao's biggest development obstacle, but he was still puzzled by one thing.

"We have done everything that the bank should do, but where is the future direction of profitability?" Ma Yun looked at Lin Feng and asked.

If such a platform is developed just for the convenience of in-game payment, isn't the price too high?

Lin Feng smiled and looked at Ma Yun without saying a word.

Ma Yun gradually fell into contemplation.

If people want to pay online, they must first charge the account of the payment platform. After completing the transaction, the recipient needs to withdraw the money in the account.

However, does anyone choose not to withdraw cash in time or to withdraw cash after accumulating a certain amount?

It is really possible, because after all, the amount of some transactions is not large, especially for those Taobao merchants who collect money frequently.

Thinking of this, Ma Yun once again thought of another possibility~www.wuxiaspot.com~ What if the guarantee period of Taobao buyer transactions is one month? Wouldn't that mean those transaction amounts would be put on Alibaba's account for a month?

There was a sudden flash of lightning in Ma Yun's mind.

"This... the prospect of this piece is very big." Ma Yun secretly looked at Lin Feng, and kept spinning in her mind.

"That... Mr. Lin, how is your platform development?"

Lin Feng said: "It took me a while to figure out this idea, and the official platform will have to wait until I return to East Hubei before starting research and development."

Hearing Lin Feng say that his plan has not been implemented, Ma Yun's eyes lit up.

"That Mr. Lin, why don't we jointly develop it."

"Huh?" Lin Feng raised his head and looked at Ma Yun suspiciously.

Ma Yun cleared his throat, and then said slowly: "You think, it's difficult to support such a trading platform just relying on your game transactions, but Alibaba is different, Alibaba has a large amount of transactions every day, if we If the two come to cooperate in development, wouldn't the market prospect of this platform be even broader?"

"When I develop the platform, you can also use it in Alibaba?" Lin Feng said with a smile: "I already made this plan."

Ma Yun smiled, then shook her head and said: "Mr. Lin, although you are a shareholder of Alibaba, there is one thing you are still good at. The annual transaction amount of Alibaba is a terrifying figure, especially in the future. Taobao’s transactions also involve the responsibility of guaranteeing both parties, so…”

Ma Yun continued apologetically: "So, it is impossible for Alibaba to entrust such an important job to others."

Lin Feng was startled, then frowned slightly.