Coquettish Rebirth

This idea is very good, but it is really troublesome to get it done.The idea is good, mainly because it is basically impossible for these community banks to refuse this kind of cooperation opportunity!You must know that these banks did not have any opportunities to issue credit cards before, and even if they did, they would not issue many—after all, they are small banks with too few outlets and can only serve the community, and if they want to issue credit cards, there is no One of my own settlement interfaces can only choose Visa, Express or MasterCard, so for consumers, why don’t they just choose Visa Express and MasterCard?

We must know that our Chinese banks have joined forces to create a UnionPay. As long as our Chinese bank cards basically have the UnionPay logo, and then the POS machine directly supports UnionPay, it can support bank cards or credit cards of various banks.But the United States is different. The United States does not have such a unified institution as UnionPay, so the POS machines in the United States must be "compatible" with cards such as Visa, Express, and MasterCard. Compatible with a fart bank's own card in a fart community in a fart city?It’s like when Chinese people go on a trip, if they only carry a credit card with UnionPay standard and do not support Visa or MasterCard, then the shopping mall does not support UnionPay card swiping, then there is no way to swipe the card, and even if there is a card, no way to swipe!

In this way, even if a small bank has the right to issue credit cards, it will not receive much interest and credit card handling fees. In the end, people still have to rely on small loans in the community to live!Under such circumstances, what if we unite all the small and medium-sized banks in the United States and make something like "UnionPay"?At that time, when everyone unites, it will be like a large bank with more than 2000 outlets across the country. In this way, all major shopping malls and retailers will be willing to cooperate with us, right?At that time, there is no need to make the pos machine compatible with our card.With the equipment that scans the QR code and then pays online, this is all right!There is no need to swipe the card to swipe the POS machine at all!

And in this way, although each small bank may still issue cards in its usual sphere of influence, after all, they are also involved in such a market, and consumers will still return their money when the time comes, and they will still get interest.Right?Even if there is no handling fee to earn, at least there is interest to earn!At that time, even if most people repay the money during the interest-free period, but a small number of people have incurred interest, it will be an extra profit for these community banks!How could they not want to?So thinking of this, Jia Hongjian felt that such an idea was really, really good!So now it seems that such a plan is really waiting for the research of the core system of Huaxia Hi-Tech Mobile Payment to be completed!As long as the core system research is completed, then you can start to discuss cooperation with various merchants and various community banks!

Such a thing as the core system is not to be simply studied.why?Although Huaxia Hi-Tech has a computer version of the online payment system, such a payment system is not the same as mobile payment!What about the computer version of the payment system?In China, it has evolved to be escorted by u-shields and the like, but not here in the United States.Because there are still many credit card payments in the United States, and many credit cards do not have a password, so most credit card online payment is just to enter the card number directly. Of course, this is of course easy to be stolen, so here also There is such a practice of refusal!To put it simply, the credit card company will notify the card owner of the amount of consumption after swiping the card. If the card owner finds that the card is not swiped by himself, he should call the credit card company immediately.The credit card company will notify Huaxia Hi-Tech that they refuse to pay such a small amount of online payment.Then the result is naturally that this transaction will not be completed.

As for Huaxia Hi-Tech, 99.99% of these cases occurred when the goods were notified to refuse payment before the goods were delivered to consumers, so naturally the goods would not be delivered to consumers.However, if you swipe your card to buy music on the music pod online payment platform, you will be allowed to download the music directly after the online transaction. If you refuse to pay, they may have already downloaded the music to the player.So it can't be taken back like physical goods.Correspondingly, Huaxia Hi-Tech will directly ban such a user suspected of credit card fraud who used the "black card"!

But no matter what, the online payment on the computer is all about the computer.After all, there are still all kinds of protection software on the computer, and there is a free protection software from Huaxia Hi-Tech.It is also very popular in the United States, and it still guarantees the security of transactions.But mobile payment is different!Jia Hongjian had heard in his previous life that bad guys might plant a Trojan horse on a mobile phone, and then stop the verification code of the payment notification SMS or something. In the end, the money was swiped without the owner of the mobile phone knowing!Then people can't even receive a text message!The addition of free wifi to intercept the mobile phone communication package and the like really made Jia Hongjian feel that mobile payment should be safe!So when he asks the company to develop such a payment software, he must pay attention to safety, and must develop corresponding software or even hardware to protect the transaction!In such a case, it is even necessary to add an additional chip hardware to the CPU to protect the transaction. In this way, can the development speed be accelerated?

According to Jia Hongjian's internal regulations for such a research and development node, if it can be developed by this time next year, it is already good!But the problem appeared again-now it is the subprime mortgage crisis!If Jia Hongjian remembered correctly, the U.S. banking industry suffered heavy losses during the subprime mortgage crisis!In addition to the bankruptcy of several large banks that received government capital injection, there are also many small and medium-sized banks that have gone bankrupt!After all, the capital quota of small and medium-sized banks cannot be compared with that of large banks. When the world is in trouble, they must be more easily affected!Among other things, in our country in 2012, the business of small physical stores began to be difficult. In history, just the storefronts along the street near where Jia Hongjian and his family lived, many storefronts were replaced several times in that year. The owner's property is sold after two or three months of opening the store and found that it cannot continue to open!

We are all like this in China. As the birthplace of the subprime crisis, the United States, isn't life even more difficult?At that time, the business of various small shops will not be easy to do, leading to various small and medium-sized bank loan defaults and so on. Isn't it easy for these community banks that specialize in small and medium-sized loans to go bankrupt?So the question is, if we do have to wait another year, are there going to be a lot of community bank failures by then?You must know that in his previous life, Jia Hongjian only knew that there were a large number of small banks failing in the United States, but he didn't know when it started!After all, he is not an American, how could he remember such trivial things clearly?It is estimated that many Americans do not necessarily know where the exact time is!

So the problem now is that these small and medium-sized banks are like ants on a hot pot, and they may hang up at any time, and our system development will take time. Before our development is successful, these banks will start to batch up hang up, what should I do?If we talk about cooperation with the other party now, it will definitely not work - the key is that our things haven't been done yet!Even if everyone is willing to cooperate, but their own capital chain can't support them to wait until our product comes out!So these banks may see that the straw is about to be stretched out, but they just can't catch it, and then just drowned like this!

So how do we do it?Jia Hongjian thought about it, and felt that he should talk to Wal-Mart and other big merchants first.Wal-Mart and Huaxia Hi-Tech should contribute money at the same time, and everyone should build a fund together. Such a fund is specially used to pay attention to and rescue various community banks in the United States!Use such a fund to keep an eye on the status of a large number of community banks in the U.S. market. If any of them are dying, let us inject some capital into them to keep them alive, and then we can buy some of their shares or something.This will ensure that after they are alive, Wal-Mart and other merchants will not have to pay handling fees in the future!They must be happy with this, right?And as long as these small and medium-sized banks are allowed to tide over the difficulties, then the money paid will be exchanged for shares, and there will be profits every year in the future!The money is not wasted, but has become an investment!

In this way, merchants such as Wal-Mart and others can occupy the shares of a large number of small and medium-sized banks in the United States together with Huaxia Hi-Tech, which is equivalent to entering the financial industry with a small step.Then, in the future, such a mobile payment system will be created, and everyone will be able to live well. In addition, Wal-Mart and the others have invested in the bank's shares, so they will definitely not share our cash flow in the future!In this way, our interests will not be lost!Isn't that a lot of wins?Isn't it good for everyone?Moreover, Wal-Mart and other big retailers and various large chain gas stations have more money in their pockets!If everyone comes together to pool money, maybe it is possible to pool $1000 billion!After all, this is the group that sang against Apple in history and dared to challenge the three major credit card companies in the United States!In such a group, it can be said that the largest retailer terminals in various aspects in the United States have participated in it, and even a labor union such as the American Street Convenience Store Alliance has participated in it!With such a large aggregate, plus Huaxia Hi-Tech, is it not easy for everyone to raise a sum of money? (To be continued..)