Chapter 1902

The world already has Alipay.

Similarly, in 2003, Taobao, operated by Mahua rattan, suffered from the difficulty of the transfer and remittance mode between customers and the platform, resulting in few payment users on the platform, and even forced users to use the point card mode of online games to make payment.

So in the design of the twist vine and the support of the thousand, Taobao launched the Alipay function in 2003, allowing users to pay for Alipay directly on the Internet.

In another world, Alipay was originally just an intermediary, not paying the license, so the payment at that time was mainly based on Internet banking.

In fact, as early as 1996, ZG bank had opened the online banking service, but at that time, the online banking only had the function of querying bills and so on, which did not involve money transactions. After all, at that time, online transactions were full of danger, and it was impossible to determine the customers themselves.

In 2000, GS bank took the lead in launching an online bank that can support transactions. Although this online bank is limited to a part of authenticated large customers, and each transaction must be conducted only after the large customers dial the exclusive customer service phone to confirm the identity of the other party, this is a great progress.

Finally, in 2003, GS Bank launched the online banking service for individual users. Although the transaction process was very cumbersome, and there was no electronic token at that time, customers needed to receive an encryption card, that is, there were various digital cards with horizontal and vertical like a chessboard behind it.

When trading, you need to input numbers in different positions as required to ensure that it is your own transaction.

Later, the encryption card became an electronic token and became more advanced.

However, Huaxia officials are still very cautious. First, they strictly restrict online banking from directly trading with merchants. Generally, they only allow internal transfer between banks, and even inter-bank transfer is not allowed.

In addition, transactions have a 24-hour safety period. If the transaction is found to be abnormal during the safety period, the transaction can be cancelled immediately. These are the characteristics of the times.

At that time, Alipay was keenly aware of the node. They began to do everything possible to make contact with GS bank, and finally persuaded the GS bank to enable Alipay to directly insert the trading framework of ICBC, and the user would transfer the accounts to Alipay directly, and then Alipay would transfer the money to the buyer, so that he would not leave the computer. You can complete cash transactions directly on the network.

This is a great progress of the times.

This era is also similar. GS bank also announced relevant policies at the same time, and did not advance due to the emergence of boss Jia.

The main reason is naturally that such matters involving people's deposits must be cautious and cautious. Everyone feels the stone to cross the river and dare not go too fast.

So the development of Alipay and Alipay in history is almost the same. When the time came in 2009, Alipay had just opened, and paid for water charges, electricity charges and gas charges. Although mobile phone payment was already available, Alipay version of mobile phone version was actually a version of Alipay version of web version, and also needed all kinds of U shields. Security cards and other means are not convenient, so there are few users who use mobile phones to pay.

This situation will drag on until 2011. After Alipay acquired first payment licenses, only two fast break payments and two dimensional code payment were epoch-making.

But this time, Daqian was brought forward to 2009. At the end of the mphone5 press conference, the boss announced a startling news that the company won the first payment license in China, and at the same time, it bought Taobao's Alipay business with 40 billion yuan, and changed Alipay into a thousand payment. At the same time, Qian Fu will also launch all the subsidiaries and holding companies of the company to form a complete payment network.

The focus is mobile payment on the mobile terminal.

The mphone5 will have a built-in thousand payment function. At the same time, there will be a special function button to activate thousand payment on the side of the mphone5 mobile phone. Users only need to bind an online banking account to thousand payment, so they can easily use thousand payment in any scenario.

Boss Jia also personally demonstrated the payment experience of Qianfu at the scene.

For example, when shopping on Taobao, after the payment phase, boss Jia can directly enter the password for payment, but at the same time, boss Jia only needs to gently touch the home key with his finger. He doesn't even need to enter the password to complete the payment directly.

Until this time, many people found that the original fingerprint password had such use scenarios and experiences, and all these feelings were planned.

In addition, in other online transactions, it is the same process. As long as the bank card is bound in advance and the identity is determined, the payment can be completed directly. The speed is amazing, which really upgrades the payment experience. I feel that the money will disappear in a blink of an eye.

But this is not the most shocking. What shocked the audience most was the stranger trading scene of offline trading.

A cart selling eggs and cakes was pushed onto the stage. When the people looked confused, boss Jia directly asked, "master, how much is this cake!"

"Three yuan with eggs, and others can be added by yourself!" the master said cheerfully, and some people working nearby exclaimed, isn't this the one selling eggs and cakes downstairs of their company?

"Then give me two sausage!"

"OK! 5 yuan!" the master began to make the egg filling cake on the spot. The speed was very skilled, but in more than a minute, a finished egg filling cake was in boss Jia's hand.

"Is it OK to pay a thousand?" asked boss Jia.

"Yes!" the master pointed to a small blue piece of paper pasted on his stall and said, "my payment QR code, just sweep your camera!"

"Hey!" as soon as boss Jia pressed the Qianfu key, a code scanning screen automatically appeared. He scanned the QR code, then entered a figure of 5 yuan, and then paid with his fingerprint. The whole audience heard a sweet female voice saying "Qianfu collection: 5.00 yuan!"

Well, these are the two voices of Jia Jiafeng and Jia Jiayue sisters. When the payment is successful, one of the two voices appears at random. The whole payment process takes no more than 5 seconds.

"Shit!" seeing this scene, all the audience opened their mouths and felt that their three views were broken.

The master who sold eggs and cakes walked away excitedly, and then a master who pushed the cake cut came on stage.

Boss Jia bought a 20 yuan cut cake and said, "boss, do you also scan the QR code?"

"No, just touch it. We also use mphone5!" said the cake cutter proudly.

"OK" boss Jia pressed the thousand payment button, and then collided with the cake cutter's mobile phone. Then boss Jia took the mobile phone and directly entered the payment amount, and then confirmed with the fingerprint. The whole payment process was over, much faster than scanning the QR code.

This is the ultimate mode of mobile payment.