Chapter 1157 (2/2)

It's not like now. If you scan a QR code, the money will go to the account directly.

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

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

Alipay is also unwilling to lag behind. In recent days, it is working with lac Carla and is ready to open this business.

The so-called ”online shopping, offline payment” mode is that you buy good things on Taobao, and then go to lakala to pay with your bank card.

In a word, the mobile payment services launched at present are various and strange.

You say it's mobile payment, so it is.

You say it's not. In fact, there's no mobile phone. It's the same. I'll take a bank card and swipe it. It's more convenient.

Far away, because of Li Dong's advice, the situation is a little better.

Now the ten thousand card, has a special payment interface.

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

Or, if you meet a remote cooperative merchant, you can directly enter a number to pay.

Yes, number, merchant number.

Li Dong wants to get a QR code and scan it out. The key is that the current QR code technology is not mature enough to meet this requirement!In addition, there are few mobile phones with code scanning function.

In this way, the mobile payment business of ten thousand cartoon is also the top level in China and even in the world.

How simple, open a payment page on the line, you can directly online bank card transfer, too convenient!

encountered a cooperative merchant, lost a serial number and chose to pay, which is also very simple, which is like Alipay and WAN cartoon, bringing POS and La Carla.

Remote extremely humanized settings, from the morning Wan cartoon mobile version online, praise has not been broken.

For this project, the distance is not as simple as it seems. Just to get through the bank transfer business, several executives of remote technology almost lost their heads.

Now, not to mention inter-bank transfer, peer transfer in different cities, it has to pay service charges, this money, is to the bank.

Li Dong has no way to change for the time being. It's better than Ma Ge to bring a POS and charge 15 yuan for a single transaction.

At least, the handling fee is much lower than them.

Nowadays, I'm not afraid of charging. As long as you charge less than others, that's success. I'm afraid that both Ma and Ma Yun have to cry when the business of ten thousand cartoon comes out.

……

Li Dong slanders Ma Yun and Ma Huateng at the same time.

The two guys didn't cry, but they did look strange, fiddling with their mobile phones.

Lin'an.

Ma Yun opens the ten thousand cartoon page in the mobile phone, points to pay, and then jumps out a payment page.

fiddled with it for a while. Ma Yun told Alipay's technical director, ”did you bring a bank card?”

”Bank card?”

The technical director responded for a while, and immediately nodded, ”I have brought it.”

He took out a bank card and handed it over.

Ma Yun fiddled with his mobile phone, and then began to input the account number to the bank card. After a long time, he spat out: ”I paid 10 yuan, and I'll remember to return it later.”

The technical director didn't know whether he was joking or serious. He gave a dry smile without saying a word.

After waiting for a long time, Ma Yun suddenly said, ”I paid you, didn't you respond?”

The technical director was stunned for a moment, and then said: ”forget to say, now the major banks only support online banking, users will have SMS alerts, so customers who have opened online banking can receive the notice.

This is also a drawback of ten thousand card business. Customers who have not opened online banking can only see the other side's operation page.

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

Ma Yun frowned: ”the operation page of ten thousand cartoon is still simple, but the problem is not small. First, the payment has not been successful. If you don't open the SMS reminder, no one knows.

Can SMS remind business, only opened online banking customers can have, this year, how many people open online banking?

Second, there are too many bank account numbers. Their merchant code is feasible. The number is small and it is not easy to make input errors.

But if you lose it wrong, the money will be transferred wrong. How can I get it back?

Is it necessary for both sides to check many times each time?

Third, the arrival time is a little slow. Even if online banking is opened and SMS reminder is opened, I'm afraid it will not arrive until tomorrow.

This customer pays on the spot, and everyone runs away. If you don't get to the account, it's not up to the customer to say.

Fourth... ”

Ma Yun summed up a lot of problems, but in the end, he said definitely: ”anyway, ten thousand cartoon is a step faster than we really have to go, at least they really realized the mobile payment business.

Li Dong did a good job in this regard, and promoted the mobile payment business to take a big step forward.

As long as I said a few problems are solved, the mobile payment business can be really promoted. ”

Several people in the office nodded. It is true. At present, the mobile payment business of ten thousand cartoon is already the top level in the industry.

Alipay's president sighed, ”in fact, the key lies not only in our businesses, but also in the banking sector.

It would be much easier if they supported it all.

The promotion of mobile phone reminder business will shorten the time of payment, and many problems will be solved easily.

However, chairman, in fact, Wan cartoon has a business, which is quite interesting.

That is, for both sides are 10000 card users, they have a balance deposit page.

You can open it. If we all have ten thousand cards, if you pay for me, the money can be temporarily stored in the balance instead of entering the bank card.

On this, you can clearly see how much money there is.

And the balance of money, can be transferred to the bank card, but to charge a handling fee, that is to say, to charge double fees, but it is safer than the previous bank card direct transfer

Ma Yun's eyes lit up immediately after hearing this, and then he said, ”try it. It's a bit like our third-party escrow account.If it can be carried out smoothly, it will be a magic weapon to solve mobile payment and even online payment.

I just don't know if it's easy to use. ”

People did not say much, but cooperated with Ma Yun to do another experiment.

Ma Yun looked at the balance display on the mobile phone interface, and after brewing for a moment, he said: ”this is Li Dong's killing move!

Other customers and merchants will only worry more about the problems we worry about.

But with this balance account, it's much more reassuring. Although there's one more handling fee process, ordinary people would rather see it as real and pay more fees than they would like to wait for the next day to go to the bank to check.

This is very helpful for the implementation of the mobile version of ten thousand cartoon. If you don't, you will be out of date.

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 just trusteeship, which is not actually operated by ourselves.

Li Dong is in a good position. His third-party account is obviously operating in the distance.

Once the investigation is carried out, I am afraid there will be trouble. ”

Alipay president's eyes light up: ”then do we want to...”

Ma Yun shook his head and said with a smile, ”I understand what you mean. At this time, if you really want to find some trouble in the distance, you should find a certain one.

But Li Dong is promoting the development of the whole online payment business. We can't give him a stumbling block at this time.

My ma Yun still has this view of the overall situation, and so do other people.

It's not just me, Ma Huateng. They don't say anything. They just acquiesce and see what happens.

If we interrupt ourselves now, it will cut off the whole process of online payment business. You should understand this truth. ”

People can't help nodding, it's true.

Far away now do the first to eat crabs, if default, then everyone follow up, network payment business will definitely develop better than now.

Even if the company fails in the distance and the balance account is investigated, it can not be because of the attack of peers. This kind of enterprise with no overall view will be rejected by the whole industry.

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