Rebirth Online Entertainment

Chapter [-]: The Birth of Alipay

Fang Qingwei. 【

Aishang Reading Network]

Speaking of Alibaba, Fang Qingwei, almost the entire Alibaba Group, did not admire it.This female executive started as a front-line employee back then, relying on her own hard work and hard work.Moreover, he overcame his self-pity and accomplished a miracle like a god.In just two years, Fang Qing rose to the top leadership of Alibaba.

Although Fang Qingwei is not the top leader at the moment, according to Alibaba eo Jack Ma, in the next few years, Fang Qingwei is likely to enter the decision-making level of Alibaba and become another "Gu Xiaoyu" in the mall.However, no matter how the outside world commented on Fang Qingwei, Fang Qingwei always remained indifferent.

She knows that her performance can do so well.On the one hand, in addition to being willing to endure hardships, on the other hand, the development direction of domestic e-commerce platforms is indeed the general trend.As long as there is a constant force, he will keep moving forward.Moreover, with the increase in the number of people surfing the Internet, domestic e-commerce will definitely experience explosive growth.

This kind of growth is just like the online games back then.At the beginning, it was hundreds of thousands, and now it has almost reached more than 5000 million.Moreover, e-commerce has more development prospects than online games.Their numbers are larger and wider, and they cater to all age groups online.Whether it is a child, a teenager, or an elderly person.Because they all need to shop, and if they shop online, choosing Alibaba or Taobao will be the first choice they consider.

Therefore, a large part of the reason why Fang Qingwei can achieve today's achievements is that e-commerce has opened up this potential market.

Of course, Fang Qingwei was able to be so strong, in her heart, she had to thank another person.

This person was none other than Chen Qingyun from Tsinghua University.

If it wasn't for Chen Qingyun, Fang Qingwei probably didn't have much confidence.If it weren't for Chen Qingyun, Fang Qingwei would not have entered Alibaba so quickly.If it wasn't for Chen Qingyun, no matter how serious Fang Qingwei's research was.But after two years, when Fang Qingwei graduates, there may be no place for Fang Qingwei in the e-commerce market.

After all, at this moment, everyone already knows that the future will definitely be the era of e-commerce.

There is no doubt about this.

Uh, I almost forgot, Chen Qingyun is the current Chen Jiayi.

If it wasn't for the show that moved China, maybe Fang Qingwei would still be kept in the dark.

Until, when she knew the truth, there was a feeling of not knowing in her heart.

Surprised, moved... and something else...

Sometimes, Fang Qingwei spends leisure time at home alone, whenever she thinks about the situation back then, Fang Qingwei will be silent for a long time.It wasn't until this moment that Fang Qingwei realized that sometimes she was rather fragile.However, in normal times, Fang Qingwei only buried the fragility in his heart in the diary, and he didn't want anyone to open it except himself.

Today, Fang Qingwei sorted out the information and was going to the office of Alibaba eo Ma Yun.He wants to report to Jack Ma all the ideas that the interviewer on tt said yesterday.Because, among them, there is a very critical business.For a long time, Alibaba has not done well.

For example, what the interviewer said about payment.

As the head of Alibaba's business department, I am very familiar with this payment business.It's just that Alibaba has developed to the present, and it has long been the giant of e-commerce in the world.It’s okay to pay in the country, because the country will give a lot of support to companies like Alibaba, plus the strength of the parent company Tangchao Group, there is no problem with payment.

However, when Alibaba is placed internationally, payment is often a very troublesome thing.

Because it involves individual user funds, it’s okay to put it in the country, but in the international world, all countries-governments- will have very strong controls on payment.The payment channels opened by Alibaba before, in addition to paying a large amount of channel fees, and not all banks are open to you.

In this way, Alibaba's internationalization path will encounter more problems.If it weren't for Tang Dynasty companies to form a world Internet network, how could Alibaba develop to its current height.Even before, some subsidiaries such as Alibaba, in order to expand payment channels, often had to cooperate with local companies.This can only be done through cooperation, and you can't completely buy from him. If you buy, then local protection ideas from other countries will come again, which will make Alibaba very troublesome.

Fortunately, Alibaba is now well-known in the world, and some other small businesses are not enough to threaten Alibaba.Moreover, e-commerce itself is a super expensive thing.Facing the giant Alibaba, there are only a few countries that can compete with China for this market.Others, can only look at the ocean and sigh.

For this payment, Alibaba has not had an effective method until now.Moreover, not to mention Alibaba, even the world.For example, eby, which is a multinational e-commerce platform like Alibaba, is also doing the same thing as Alibaba.The best method is to acquire part of the shares of a local company, so as to expand more payment channels through cooperation.

However, the interviewer proposed a very novel idea.

It's just that the other party only said a little about this idea, and said a few words.But just a few words, all of a sudden, it seems that the payment direction of e-commerce has been opened.However, the other party did not discuss in detail.And Fang Qingwei thought about it for a long time, but only vaguely felt it.Even Fang Qingwei didn't even think of it after spending the whole morning.

It wasn't until here that Fang Qingwei stopped thinking.He knows that this latest idea is often a flash of inspiration.The other party didn't elaborate on it, and even if I lived my whole life, I'm afraid I wouldn't be able to figure it out.It's better to come up with the most practical method, find the superior, and invite the mysterious interviewer out, and everything will be resolved.

Because, Fang Qingwei knew.Since the other party can confide this point, then he is very interested in Alibaba.Although Fang Qingwei doesn't know who the other party is now.However, based on this, Fang Qingwei guessed.Perhaps, this is the bargaining chip for this interviewer to come to Alibaba.Of course, the position of the interview is naturally not a business specialist.Even, it may be responsible for the entire payment channel business.

Thinking of this, Fang Qingwei calmed down for a while and came to Ma Yun's office.

"President Ma, I have a document here..."

Fang Qingwei was about to elaborate, when she suddenly found that Ma Yun was facing a man.Just when Fang Qingwei said sorry, Jack Ma stood up, "Mr. Chen, let me introduce you. This is Fang Qingwei, the director of our business development department."

After finishing speaking, the man sitting opposite Ma Yun suddenly turned around and said, "Student Fang, long time no see?"

"Chen...Chen Qingyun..."

It was Chen Jiayi who came.

But Fang Qingwei was surprised when Chen Jia turned his head around.This figure was so familiar to her.If it wasn't for him, how could Fang Qingwei stay in Alibaba.Although now, Chen Jiayi still wears thick glasses.But wasn't Chen Jiayi like this before?It's just that Fang Qingwei didn't change his mind for a while due to the sudden surprise.

It was not until later that Fang Qingwei came to his senses.

Who is Chen Qingyun if not Chen Jiayi?He is the highest head of the Tang Dynasty company, and he is also Ma Yun's immediate boss.

"Mr. Chen..."

"Ah, do you know each other?"

Ma Yun was a little surprised, and asked briefly.

"Of course, don't you remember, I'm also from Tsinghua University. Besides, I have to tell you a secret. I was the one who came to Alibaba when Fang was a classmate. Mr. Ma, how can you thank me?"

"Unexpectedly, there is such a thing."

After turning over his emotions, Ma Yun said directly that there will be a big banquet in the evening, and I would like to thank Chen Jiayi for bringing a general to Alibaba.

"By the way, Xiao Fang, put down your materials first. The person who chatted with Suguo yesterday was Mr. Chen."

"Oh."

Fang Qing nodded slightly, although she was still surprised.But when he thought that the person in front of him was Chen Jiayi, it became reasonable again.In her heart, it seems that only Chen Jiayi can see e-commerce so thoroughly.Even Ma Yun can't match this general vision.

"Mr. Ma, let's talk. I still have some work to do."

Fang Qingwei was not qualified to enter this kind of conversation with the top leaders, and was about to leave when he turned around.

"Wait, Fang, sit here. I'm here today to talk about payment channels."

I learned from "Su Guo" that it was Fang Qingwei who chatted with Chen Jiayi last.And from the few questions Fang Qingwei mentioned.Chen Jiayi felt very good about Fang Qingwei's performance.Especially the latest payment concept mentioned by Chen Jiayi, if Chen Jiayi didn't say much, I'm afraid Fang Qingwei would really be able to follow the vine.

Based on this point, Chen Jiayi gave Fang Qingwei a high look.

"In terms of payment channels, does Mr. Ma have any other measures?"

Although on the surface, Alibaba did not provide specific payment measures.But who knows, has Alibaba considered it.Perhaps, they already have this idea, and they don't come to do it in a hurry.

"Countries have relatively strict control over payments. We have no other options other than to cooperate with local companies. Recently, we are making a plan and want to report it to the headquarters. However, this plan is too large. Moreover, The funds and time required are very large, and it is not very good. Therefore, we are also considering it in the near future..."

"Tell me."

Ma Yun is not an idle person, he has long seen the disadvantages of "payment".After pondering for a moment, he opened his mouth and said, "This plan is to use the influence of Tang Dynasty Company on the Internet in the world, and then obtain the support of various governments."

In fact, this plan, to be clear, is a public relations plan.

Of course, this public relations refers to the public relations with the government or with the country.Only in this way can the payment channel be completely opened up.Otherwise, any country wants to restrict you on payment channels.Of course, it's the same if it's China.For foreign companies, even if they will give you some tax benefits on the surface, if you pay for this, you don't want to get any benefits.This is why later generations of Jack Ma will compete with Yahoo for control of Alibaba.

The most important reason is the payment problem.

"Although this plan seems feasible, it can only be applied to a small number of countries. Developed countries such as Europe and the United States are basically useless. In addition, this plan is just like what you said, Mr. Ma. Pounds are big, not to mention funds, even time will be exhausted. Basically, the headquarters will generally not approve..."

Chen Jiayi said directly.

"President Chen is thinking about it."

Although Chen Jiayi did not directly veto it, moreover, Chen Jiayi didn't take much care of the Tang Dynasty Group's affairs.Generally speaking, Chen Jiayi didn't bother to take care of any major projects.But Chen Jiayi had already said this, so it meant that there was basically no drama.However, Ma Yun did not express anything.He also knows that this plan is not necessarily clever, and it is basically impossible to approve it.

"Except for this plan?"

Afterwards, Chen Jiayi continued to ask questions.

"This one……"

Ma Yun hesitated for a while, then took the words, "Recently we have been working on this payment plan."

Obviously, the meaning of this sentence is to tell you that there is no other way.

"Student Fang, you have been working on the front line for so long, do you have any ideas of your own, please tell me."

Chen Jiayi turned her head and looked at Fang Qingwei.

"I……"

"Although, now the company needs everyone to show their wisdom."

Ma Yun said encouragingly.

"Actually, I think we can try to separate the third-party depository system and turn it into an online virtual account."

At some point, Fang Qingwei combined with the online banking mentioned by Chen Jiayi, and a spark seemed to hit.

"go on."

Chen Jiayi was about to clap her hands.

As an e-commerce, how to ensure the fairness of both parties in the transaction.Then, for the e-commerce platform, he has been acting as a notary.The transaction between the two is notarized by the e-commerce platform, and then finally completed.At this time, there is a third-party depository system on the Internet.That is to say, after the user wins a product, he can put the money into the depository system first, and the seller will release the product when he knows that the customer has paid the money.Until the user receives the product, he confirms it in the third-party depository system and completes all transactions.

This process is very simple and ensures the fairness of user transactions.

"In this way, the user has a separate virtual account on the Internet, so he can easily purchase all our products on Alibaba. Moreover, this account is connected with the bank, and the money can be converted. Just like the online account of the seller, We can also set up a separate online account for buyers.”

"very good."

Chen Jiayi and Ma Yun clapped their hands, sighing that this method is great.

In fact, this method is the Alipay of later generations.At that time, Alipay was actually a third-party depository system.It's just that he wasn't completely independent for the purpose of trading.In fact, as long as he is independent, he is a super large payment account.No matter what you buy online, you can use Alipay.

"Just, I want to ask, if it is the same as now, there are not many banks to support it?"

Although Alipay is good, it needs bank support.If there is no more bank support, how can users transfer money to Alipay?Therefore, this topic has returned to the question of how to expand payment channels.It seems that even if they come up with the Alipay method of later generations, they still haven't solved the payment channel problem.

"This one……"

Obviously, not to mention Jack Ma, even Fang Qingwei, who just came up with this idea, didn't know how to answer it.

You must know that Fang Qingwei was able to come up with this idea based on what Chen Jiayi said about online banking.Turning Alibaba's third-party depository into an online account is actually an online bank.However, how to solve the problem of actual bank payment is still full of difficulties.

"Hehe, this one is really simple."

This question is difficult to say, but simple to say, it couldn't be simpler.

"Our third-party depository system, just like what Fang said, establishes a virtual account. So, unnaturally, this account, whether it is a buyer or a seller, under our settings, he has become a Online bank accounts. As for this money, we know that there are many users, and they will not withdraw it immediately. That is to say, they will also deposit it in a virtual account, especially for business-to-business transactions like Alibaba model, the funds in it must be very large. Even Taobao, a 2 application platform, although it seems that the funds are not large, the sum of the funds of hundreds of millions of users around the world is definitely a terrifying amount of data. These data, They all exist in it. Although there are outflows, there are also inflows. In many cases, a considerable part of the funds will never be less. I think that for any bank, they will Heartbroken for it..."

"I see."

"I see."

Unexpectedly, something that seems so complicated can be solved in a few sentences.

Yes, there is no bank, they will keep hundreds of billions of funds indifferent.At that time, Alibaba will not ask them at all, they will come by themselves.Because, these funds, even if they are casually loaned to others, can also obtain a huge profit.So, which bank does not want to cooperate with Alibaba.

Ever since, this plan also solved the problem of payment channels.

You don't need to work hard yourself, and, in the end, you can use Alipay as a means of profit.

"I'm here today because of this payment channel issue. Alibaba will prepare for the next task."

"Right, I almost forgot."

Chen Jia thought at first that he was done, but later he thought that there was still something to do.

"For this system, we will call it Alipay for the time being."

Alipay is an online third-party payment platform launched by "Alibaba" in later generations. At the same time, it can also be used as an online bank.Chen Jiayi didn't bother to give this system another name, so he just missed the "Alipay" of later generations. Anyway, the idea was also taken from Alipay of later generations, so he officially named this system Alipay.

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