Extraordinary Genius

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

Seeing Kirilenko's somewhat awkward look, Feng Yu explained: "Big brother, you see, we have two kinds of payment modes in the online mall now? One kind of online payment order, and then shipped. Is the order placed, cash on delivery, right?"

"Yes, one is to accept bank transfer, the other is to collect cash, what is the payment software you said, what?"

"I said this payment software, called a third-party payment platform, is a kind of credit intermediary. You see our current payment method, cash on delivery, easy to be returned by the other party, then we will lose the freight in vain, it is easy This model is the initial way to attract customers and increase our credibility."

"Pay directly through online banking, then once the goods received, and the filming is inconsistent, there is no way to return. Other people have received the money, what can you do? If you want a refund, it will be too much trouble, will let the customer have I feel worried 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 paid the money to us, we notified the seller to ship the goods. After the buyer received the goods, after confirmation, we The money is then paid into the seller’s account, during which time we form a credit guarantee."

"If the buyer thinks that the goods have problems, then you can complain, after the website is verified, this part of the funds is not paid to the seller, then the refund is easier, there will be no sellers relying on not paying back. This is a kind of The buyer provides a more secure payment platform, which can greatly increase the creditworthiness of the website. It can also replace the cash on delivery and avoid wasting shipping costs. The buyer can get his own money after returning the goods, which can avoid it. The seller’s loss."

Kirilenko seems to understand, and asks: "Why do other people believe in you? Intermediaries do credit guarantees, you also have to have a good credit record, let others believe in it."

Feng Yu pointed to Kirilenko and pointed to his own nose: "We are credit. We will give this third-party payment software a guarantee. You and my family are enough to convince customers that we will not lie to them. That money, and their money is cheated, we can afford it."

"Let's make a guarantee?" Kirilenko didn't think of this, but if you think about it, it seems to make sense. No one would think that Feng and he would lie to the client for the money. The current user traffic is not big at all, even if it is a million dollars a day, it costs a thousand dollars a day, that is, the transaction amount of one billion. The money, any one of them, can easily afford it.

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

"This is going to be discussed with the bank. We provide guarantees, don't make a profit, and can greatly increase the bank's capital flow. Why do they refuse?"

"Wait, we don't take a profit. If we do credit guarantees, we need to invest a lot? Not to mention software development, even if it is software operation, the amount of money that needs to be spent is not a small amount. We don't take one Dividing money, are we going to invest? It is not a loss!" Kirilenko looked at Feng Yu's eyes and seemed to think that Feng Yu's brain was caught by the door.

"No, no, we will not lose, we will make more money through this software. This software is ready, and the profits that can be obtained in the future may exceed the online store."

"I will give you two simple examples, very simple financial principles. What do you think of our ordinary bank? It is that you open an account, the bank will keep you money, and then you will be given interest on a regular basis. Of course. The bank does not lose money. It is to invest with this money, such as lending money, buying funds and making money."

"The most important point here is an account. Whether you deposit or spend, you have an account, and this account is the biggest profit."

Kirilenko is not enough for this brain. His financial knowledge is far too far from Feng Yu. Feng Yu began to understand that he understood, but Feng Yu said that the account is the biggest profit, he did not understand.

What is the profit of the account, it is just a record, this thing, worth it? To say that it is a fake account, then this account may be worth a lot of money for some people, but most of them are real accounts. What is the value? With this account, can you still make money?

"Do you know that there is a credit history in the country? How do they measure the credit history? The most important thing is the bank account! How much do you deposit, how much you flow in each month, how much you have, how much money you borrow, whether the repayment is timely, etc. , do you understand this?"

Kirilenko nodded and shook his head again. These he all understand, but he Feng Yu said that the account to make money, he still does not understand.

Feng Yu patiently explained: "The monthly inflow can judge your income. You can judge your consumption concept every month. The exit is the most important. Through this account, we can clearly see What does this person do, like to buy something. Inside, of course, to do a big data analysis, the most important thing to analyze is a consumption habit."

"Through this account, I know your spending habits. So, in terms of advertising push, do I have more advantages, can be more targeted, and push the ads you are interested in?"

Kirilenko nodded, this is true, just like he likes to drink, many people who want to work with him, the first choice is to ask him to drink, especially those he has not drunk.

Many people in the past will find out on the Internet that some of the advertisements that have Taobao advertisements and some of the above advertisements are related to your previous consumption. Even on all other online shopping sites, the ads that are pushed to you are also related to this, because those sites use the same third-party payment software.

This is only the buyer's, and the seller has the same great value.

“The other thing is that through this account, we can know which product is selling better, so it can increase production and reduce costs because of higher production.”

This is the origin of the explosions on the previous world. Without the support of these big data, who knows which product can be so hot, dare to produce so much? And third-party payment software can clearly know which product will become a burst.

Kirilenko said with some excitement: "So we can increase the consumption of the website, right? This is really a good thing!"

Feng Yu "..."

Do you think about increasing your spending? Have you ever thought about working with manufacturers of explosive models? Even if you sell this news, you can make a profit!

... (to be continued.)