Chapter 187

Kong Lingyu has been very busy recently. Since he came to Yanjing, he hasn't been idle for a moment. Because this time, he has more responsibilities than when he was in Jinling. In Jinling, he is in charge of a technical team to lead everyone to develop according to Li Mu's requirements. But now, he is the general manager of Muye technology. All of a sudden, many things need to be done He is required to pay attention, understand and even operate.

Thanks to Lin Qingya's help, I was able to be orderly in the chaos without being confused by many complicated things.

On Saturday, Kong Lingyu just finished connecting with the technicians on Baidu's side on the Internet. In the future, the daily maintenance of 3321 will be transferred to Baidu, and his work can be reduced by one more thing. He plans to put his best technology aside for the time being, and hurry to work with Lin Qingya to get out the regulations of the company's articles of association and performance appraisal, as well as personnel recruitment Although Lin Qingya has planned a new department structure, the company is still in a state of acute shortage of talents. All these problems need to be solved quickly, so Muye technology can really get on the right track.

On Sunday, Kong Lingyu planned to sort out the performance appraisal plan at home. Li Mu called and said, "come to Yucheng garden and have an interview with you."

As soon as Kong Lingyu heard his voice, he guessed that there must be another new task coming down. Although he felt miserable in his heart, he was filled with the expectation and excitement of pilgrimage.

He has long regarded Li Mu as his only lighthouse in the Internet world and the only guide on his career path, so he has been looking forward to what new things Li Mu can open his eyes.

So he took his laptop and took a taxi to Yucheng garden.

in Li Mu's living room, he first heard Li Mu give the blueprint of "Alipay".

Kong Lingyu's first impression is that the blueprint is not big. It's just a means of online payment. Now the viscosity of 3321 is so high that it's almost a strong demand for students' parents. In this case, even if the payment is troublesome now, they won't have any complaints. Even if there are complaints, they won't affect their payment action. So now, it seems that the collection It seems to be a bit of a fuss to make such a great effort to be an online payment platform.

Li Mu didn't blame his lack of vision.

in fact, it is not likely that much attention will be paid to Alipay's most basic payment model to any current Internet user.

Nowadays, no enterprise will be interested in this kind of online payment platform, because there is almost no demand for online shopping on the Internet. In the Internet consumption behavior, the vast majority are virtual products of online games, such as point cards.

However, online game companies have developed payment channels online and offline for a long time. Online payment is not very attractive to them, and they will not invest huge energy to do such a thing.

even the founder of Alipay, Ma Chang, will not cross the electricity supplier itself to see the development prospects of Alipay. What's more, Alipay's early positioning is just a tool to enhance the trust of Taobao users. As for the later, the "tool" is bigger and bigger, and finally Alipay can become a special aircraft carrier full of cash in the Internet industry, most of which is still unintentional. The result of inserting willows.

Li Mu can not tell him that payment platform is just a means to gather users and bind users habits. In the future, he will let all the funds flow on the Internet pass through Alipay, and he will also let Alipay collocation with a huge electronic business platform, such as Taobao network; even he will become a major shareholder before Jingdong becomes bigger, and finally make Alipay a giant. A super financial platform for capital precipitation.

even Li Mu himself is not sure that he can do Alipay, can he really do Alipay, think this kind of thing, need to consider, scruple too many places, and too vulnerable to policy control.

After seeing Li Mu's product framework, Kong Lingyu also said with some concern: "these are all wishful thinking of us. If the bank is not willing to get through this interface to us, all we do is in vain."

Li Mu nodded, "is there anything else? Go on."

Kong Lingyu said: "I do not know how to say, you are BOSS after all, and although many of your past things seem unlikely to me, but once and for all, I have absolute information for you. But this time, it seems a little different. When we compare with banks, the volume is too small. I doubt the Alipay model, but Alipay needs to fight. All these links are connected. "

Li Mu smiled and said, "you're right. If you compare Muye technology with the banking system, it's basically the same as the difference between sesame and watermelon. If you don't mention the four major banks, even other joint-stock commercial banks, we are far behind others."

Hearing this, Kong Lingyu also frowned. Yeah, how to establish cooperation with the bank? It is impossible for this project to land on Alipay.

At this time, Li Mu's words turned. With seven points of self-confidence and three points of cruelty between his eyebrows, he asked: "just, I ask you a question, why do we have to deal with the whole banking system?"

Kong Lingyu is silly: "what do you mean? Alone with one of the bank brands? ""No." Li Mu shook his head: "directly cooperate with the most basic branches, for example, I have a branch of people's University of industrial and commercial bank downstairs."

"Work with them?!" Kong Lingyu did not understand.

Li Mu nodded and smiled, took out an A4 paper, painted a cloud shape on it, wrote three words on Alipay, drew a circle in the lower left corner, wrote 3321, finally drew a circle in the bottom right corner, and wrote "a section of Yanjing."

After painting these, Li Mu focused on the circle of 3321, repeatedly sketched and explained to Kong Lingyu: "now we can attract the cash of five thousand paying parents, on average, no less than five million per month, which is still the primary stage of 3321. In the future, we will double this figure, and we may go to Shanghai stock market and Yangcheng to carry out 3321 business It may only take half a year, and we will absorb more than ten million yuan of paid funds every month. "

said, Li Mu drew an arrow and guided Alipay's clouds from 3321 circles. He said, "before I put the money in the bank account directly, I don't want to do it now. I want to get this money into Alipay. For any branch, this money represents great benefits and achievements. If I promise this money is in their bank, What do you think they will regard me as when they do a week or a half of fund precipitation? "

Kong Lingyu's eyes brightened: "he will offer you up as the God of wealth."

"That's right." Li Mu nodded and drew an arrow. From the clouds of Alipay to the circle of a branch of Yanjing, he said, "such a huge flow of money precipitates in our Alipay. I can choose to deposit this money to any bank. If I use this to talk about cooperation with them, I believe no branch will refuse it, and I do not need them to really pay." The only thing I have to do is to open up a network payment merchant to me. For example, if the Bank of ICBC has opened a network payment merchant to me, then the Bank of China's ICBC users can pay Alipay through this channel, or cash it from Alipay.

At the end of the speech, Li Mu snapped the A4 finger with high spirits. His fingertip just pointed to 3321, and he said with a deep face: "don't forget that I have the golden signboard 3321. Now 3321 has such a great reputation, it's good for anyone to touch him. Which bank would you like to refuse? If the future 3321 can be reported by China Central Television, it will be more appropriate! This is called "four or two thousand catties" and resource linkage as much as possible! "

There was a buzz in Kong Lingyu's mind.

he still does not feel that Alipay will have much development prospects in the future, but Li Mu's 42 Ways of making a big difference seem to open up a new world for him.

just now, he is still entangled with 3321, Alipay or Makino technology. Even if they are packaged together, they will be too small to be ignored in the face of any banking system. How can it get through the entrance of this fund in such a situation?

However, Li Mu didn't think about it so much. He never thought about how small he was standing in front of the four major banks or any commercial bank, because he had his own calculation for a long time. What I wanted was only a payment merchant recognized by the bank. As long as he opened a mouth in any bank, it would be equivalent to connecting the whole network of the bank Collaterals.

More simply, it's like a POS machine. As long as you apply for the next POS machine, you can connect your card payment merchant with the bank cards of all banks in China.

for Li Mu, this means of operation can be said to be his biggest reliance on Alipay, but he still told Kong Lingyu whether he was good at hiding his private interests, because he needed not only Kong Ling Yu to write his own code, but also Kong Ling Yu's rapid growth and improvement, and became a general who could help himself to cross the sword, so many things must be taught to him. Recognizing the operation mode of the Internet world in the future makes him more acute and powerful.

Kong Lingyu's worship of Li Mu has once again reached a new height. With such a monster boss, his potential progress and promotion have never been imagined before. What's more, Li Mu is a boss who knows how to share profits. When round a started, he gave Kong Lingyu the option of Muye technology, compared with many who only draw cake to satisfy hunger For the boss, a boss like Li Mu is very rare.

Kong Lingyu stood up excitedly and blurted out, "BOSS, it's been given to me. In half a month, oh no, up to twenty days, I will definitely develop Alipay for you!" (to be continued. )