Chapter 596 Charge
Faced with WeChat payment,
Tianhu is indeed the company that reacts the fastest.
Probably because they have been in competition with Linmu Studio for a long time.
So they are always the most concerned and the most sensitive to the actions of their competitor.
Of course,
this is mainly due to Mou Feng's judgment.
He does have a keen sense of the future.
Although he can't see as far as Lin Yao, he can always feel the direction of the waves before the tide of the times arrives.
This is really amazing.
If there is no Linmu Studio,
relying on Mou Feng's judgment on the mobile terminal,
Tianhu may become the most dazzling new star in the new era.
But the existence of Linmu Studio... made them lose the opportunity to seize the initiative.
Of course, they missed the possibility of becoming the most dazzling new star in the new era.
However,
this does not mean that it is all bad.
Many times,
the existence of Linmu Studio will make Tianhu miss the opportunity to seize the initiative, but it can also help Mou Feng sort out his thoughts and let him see the future trend more clearly.
For example, this time's WeChat payment.
Mobile payment... Mou Feng has never thought about it.
He just feels that the current payment method is too troublesome.
And WeChat payment is indeed convenient and has great potential.
When WeChat payment supported third-party applications and games,
he finally saw the full picture of the future.
That’s why he had that conversation.
To some extent, this can also be said to be a benefit.
However,
when Mou Feng talked to Li Guangsheng, he actually lied a little.
Li Guangsheng asked him why Linmu Studio did it so obviously.
In fact, he knew the reason.
Finance.
It has always been sensitive.
This is not something that can stabilize Diaoyutai after a monopoly.
Communication software occupying a dominant position in the market is different from mobile payment occupying a dominant position in the market.
Linmu Studio launched WeChat payment, first supporting its own first-party products, and third-party products must be supported in batches, just to leave other peers time to react.
Why?
To create an opponent, to create an opponent that can make WeChat get rid of the monopoly.
He actually thought of this after seeing the announcement of Linmu Studio.
But he couldn't tell Li Guangsheng.
Because the board of directors of Tianhu is more complicated than imagined.
Now that Tianhu's mobile games have opened up, it will get better and better.
No one wants to take risks.
What's more, this may also be a dowry for WeChat.
So instead of telling the truth and wasting words to convince others and miss the opportunity,
it is better to paint a big pie and tell Li Guangsheng directly that this is an opportunity for Tianhu, or even an opportunity to surpass Linmu Studio.
This is the best choice.
There are risks, of course.
But what is risk-free?
And this time, Linmu Studio was the first to enter the mobile payment.
They are moving so slowly now.
To put it bluntly,
they are waiting for a competitor that can compete with WeChat.
And this also means that they will definitely let WeChat go to the last step in the end!
Otherwise, they are doing useless work.
In this case,
Tianhu and Linmu Studio have the same risk.
Betting on a future with Linmu Studio.
No matter how big the risk is,
Mou Feng thinks it is worth it.
Because this is a once-in-a-lifetime opportunity.
Although Tianhu has always claimed to be the second in China, since Linmu Studio produced stand-alone games, they have not really been on par with Linmu Studio...
Linmu Studio has always been unique.
This time, Linmu Studio rarely stood still and waited for other competitors.
If the Sky Fox hesitates, there will always be others who will follow bravely. If
you lose the bet,
there is nothing to say.
But what if you win?
What's more, Linmu Studio has never missed it!
Mou Feng is very clear about this.
So in his mind,
this time, the opportunity is greater than the risk.
This is why he doesn't want to tell the truth.
Because it doesn't mean that everyone thinks so.
And,
to be honest,
Mou Feng's words "After this battle, we may even surpass Linmu Studio" are exaggerated.
But at a certain moment, he really thought so.
After all...
Linmu Studio wants to create a competitor and let it stand on the same starting line as itself.
This means that there is a possibility of being surpassed by competitors!
If they move a little slower,
Tianhu may really surpass them.
"I hope you won't mess up."
Mou Feng sat in his seat, read the announcement of WeChat Pay's support for third-party applications again, and then muttered to himself.
...
After the launch of 4G,
the mobile terminal has been turbulent.
First, Future S1 came out, then there was the mobile game development boom, and now there is WeChat Pay.
And all of this
has something to do with Linmu Studio.
Whether competitors admit it or not,
Linmu Studio has indeed played a pivotal role in the development of the mobile terminal.
But what exactly is the future in their eyes?
Many people don't understand it now.
For example, this time WeChat Pay supports third-party applications. As
soon as the announcement was sent out,
Tianhu immediately came out and said that they would also launch a similar function, and because Mou Feng had suggested it earlier, they also gave a specific date for the launch.
It will be next month!
At the same time,
they also imagined the future of Tianhu Chat's online payment system.
He introduced how convenient it would be.
It was completely... a replica of WeChat payment.
And then.
Several other companies also said that they would launch functions similar to e-wallets.
They were also targeting WeChat's wallet function.
Linmu Studio's announcement
did make many peers react.
But many ordinary users were confused about it.
Why do people start to pursue convenient payment?
Although it is indeed convenient, will there really be no security issues?
Yes.
Users are beginning to worry about peace of mind.
After all, it involves money.
This is also normal.
Linmu Studio is actually okay.
After all, the reputation is there, and the scale is there.
But Tianhu and other companies...
are indeed a little worse.
And for this.
Mou Feng really didn't expect it...
Later slowly.
Mobile payment security issues have even become a hot topic.
Of course.
WeChat payment is the first to be affected.
After all, it appeared first, so of course the most people discussed it.
Linmu Studio.
"This is too hasty... At least think clearly about how to ensure account security before announcing it."
Lin Yao was a little helpless.
She was worried about this kind of thing. The popularity has risen, but with all the good and bad mixed together, if there is a safety problem, it will be a disaster.
"Do you need to dispel the rumor?"
Mu Wanqing thought for a while and asked: "Most people are worried about safety issues now. There will definitely be more and more people worried in the future, and it may even affect the use of WeChat payment."
"No, it's useless to simply dispel the rumor. It's better to explain to users how WeChat payment works."
Lin Yao thought about it and shook her head gently: "How about this, you ask Li Qi to come over, and we will discuss it. Try to use a simple way to explain to users how WeChat payment works now.
We essentially use a prepaid card mechanism, and security can still be guaranteed."
"Okay."
When Mu Wanqing heard what Lin Yao said, she immediately turned around and went to call someone.
After Lin Yao watched Mu Wanqing leave, she immediately lowered her head and began to think about how to explain.
As a pioneer, it really cuts through thorns and thorns...
...
Early October.
Golden Week.
The launch of WeChat payment has set off a wave of popularity for third-party payment.
And the security problem has become more and more serious.
Of course.
Users were just curious about how this thing can ensure security.
However,
no peer could answer this question.
Most of them were vague.
Because most peers just wanted to follow Lin Mu Studio...
This made users more and more worried.
At this time,
a report came out on the WeChat News Channel...
The person who came out was Li Qi, the person in charge of Future OS and WeChat Payment.
He stood in front of the camera
and began to explain in detail to users how WeChat Payment works.
And soon,
this report appeared on the hot search on social media because of WeChat's huge user base...
"The wallet function of WeChat is actually just a virtual account. The money that users recharge is essentially in the special public account of Linmu Studio.
But how can users see that their money is still in their own name? At this time, the wallet function is needed, and this is the significance of the wallet function."
"This is a virtual account service that is different from the physical bank card account."
"All the funds recharged by users are in WeChat's public account. Every time a user consumes, he pays with the balance of the virtual account. As the virtual account currency decreases, it will also be recorded in the bill." "
For example, if a user recharges 100 yuan, this money will go into the public account, and the user's virtual account balance will also increase by 100. If a user purchases a third-party application and spends 100, then at the end of the month, we will settle the account, and the public account will issue a bill to the developer and transfer the money."
"This is WeChat's virtual account system, which can be understood as an e-wallet. In essence, it is a prepaid card."
"WeChat provides online acquiring business services, but the collected money is first placed in the public account opened by WeChat in the bank, and then settled to the developer after a period of time." "
During this period, WeChat acts as a guarantor, connecting the platform developers and users."
"The biggest role is to reduce the number of user operations and improve user experience."
"Next, we will work hard to reach cooperation with developers and introduce as many online banking payment access as possible, or do more..."
"Of course, this is a long and arduous task..."
"..."
In the report.
Li Qi explained the operation of the entire payment system in a very organized manner.
Yes.
In fact, to put it bluntly.
This is the model of Zhifubao in the early stage...
Linmu Studio has the largest mobile platform and the largest game platform.
The original role is the platform party.
As a company with two platforms, it can certainly become the guarantor.
Although the two platforms do not have as many merchants as Taobao, there are also many developers.
And after the mobile platform is launched, there are all kinds of applications.
This is the biggest confidence of Linmu Studio.
And this is also the mobile payment construction plan that Lin Yao and the system reward think has the least risk.
Because no matter what.
When users buy applications or games on the Linmu Studio platform, the money needs to come to the public account of Linmu Studio.
It is impossible for Linmu Studio to settle with developers every day.
It is basically settled once a month.
At this time.
In this existing operating system, adding a wallet system is really not a big problem.
Because the user's money is still paid to Linmu Studio's public account, and then Linmu Studio will settle with the platform developer.
Under this system, even if Linmu Studio adjusts the balance of a certain account to 100 million,
Linmu Studio still needs to pay the 100 million.
Because after the money is spent, it must be settled to the developer at the end of the month.
As for giving it to others? No.
Because transfers are not yet open.
Transfer out?
Then the public account will have to pay.
To put it bluntly, as long as WeChat payment is limited to the platform under Linmu Studio,
then Linmu Studio itself, as a service provider, has no possibility of converting the money in the WeChat wallet into real money. The virtual account is essentially just a prepaid card.
Of course,
if it goes a step further... that would be different.
But so far,
Linmu Studio has not gone a step further.
So when this report came out,
almost all users
had a general idea of WeChat payment.
"I see. This is equivalent to charging money and spending it in batches."
"That's probably what it means. I may spend 1,000 yuan a year to buy games. I charge 1,000 yuan at the beginning of the year. I don't need to use online banking for the next year. I can directly use the balance to buy games."
"Why does this sound so much like a supermarket consumption card..."
"It's essentially a prepaid card for a supermarket, but it doesn't correspond to a physical supermarket, but an online supermarket."
"There are still risks, such as Linmu Studio going bankrupt..."
"That's also the developer's business, and do you think Linmu Studio will go bankrupt?" "
I see. This is actually quite good. It is indeed more convenient than using online banking to buy a game. You can just enter the password. It only supported the first party before, but now it has started to support third parties. If all platforms are supported, it will be even more convenient."
"Awesome."
"..."
In fact, not only users understand.
Many competitors who follow suit also understand the operating system of WeChat.
However,
new problems have also arisen.
That is.
Linmu Studio owns the 'supermarket' and the two major platforms, Future Store and Vaporwave.
They don't...
This means that
they can't use the same solution because it won't work.
You can't build a platform yourself, right?
That's not realistic.
Besides, no one uses it...
Therefore,
the only way to break the deadlock is to discuss with developers and banks separately.
Let banks access, let developers' applications or games access their own payment system.
Become the clearing party.
But this is not a thing...
Weixun payment is still playing inside its own platform.
And now they have gone one step further.
Closer to a third-party payment institution in the true sense...
They started charging directly!
It's not that no one thought of it.
Linmu Studio was so cautious in the early stage to let others rush first...
But thinking of something does not mean giving up.
In addition to explaining how WeChat works, this report by Linmu Studio also reveals the essence of mobile payment, which is similar to the prepaid card in the supermarket.
And the prepaid card in the supermarket... The redundant funds generated are very huge.
Users pay with a third-party payment institution, and the money is placed in the public account of the operator, which is the so-called mobile payment reserve.
The interest on the huge reserve is a lot of money.
What's more,
many companies do not settle monthly like Linmu Studio.
Most of them settle quarterly.
This means that the huge reserve can be stored for three months...
Faced with such temptation.
You said you were not tempted.
That was a lie.
So soon.
Under the temptation of huge reserve funds, a large number of companies began to pour into the mobile payment field and announced that they would become payment institutions.
Including
Tianhu.
Mou Feng also understood that Linmu Studio let others rush first.
But he really didn't want to miss this opportunity to seize the initiative and market.
And they... were the company closest to Linmu Studio.
They were faster than those companies that talked about it verbally.
Faced with this situation.
Should we wait?
Mou Feng was unwilling.
So soon.
Under his leadership.
Tianhu contacted Jiaming Alliance...
...
On October 12.
Tianhu issued an announcement.
A stone stirred up a thousand waves!
Tianhu announced that the wallet function of Tianhu Chat was officially launched!
At the same time, they will reach a strategic cooperation with Jiaming Alliance.
Jiaming Alliance's app store will list Tianhu payment as one of the official payment solutions.
And this also indicates that
the two major competitors of Linmu Studio
have joined forces .
The gameplay of Tianhu payment is almost exactly the same as Linmu Studio's WeChat payment.
But going one step further.
They opened the refund function.
This means that
the money in the user's account can be withdrawn at any time.
There is no need to go through the troublesome steps like WeChat and the refund of goods.
Instead, it can be refunded directly!
Although the transfer function is not open, Tianhu also spread the word that it is under consideration.
This is not as simple as a prepaid card or a guarantor.
It is a third-party payment institution in the true sense...
Tianhu has become the first company to take the lead!
Faced with this, users were confused.
This time... Tianhu is even faster?
And Linmu Studio.
Lin Yao was also quite surprised.
"It's so fast this time?"
In fact, Tianhu will follow up.
She was mentally prepared.
However,
she didn't expect them to move so quickly and to join forces with Jiaming Alliance.
Moreover, during this period, Tianhu did not contact Linmu Studio at all to discuss the idea of connecting the mobile payment system to the Linmu Studio platform.
It was as if they believed that Linmu Studio would never agree.
Mu Wanqing replied softly: "Very courageous."
It is indeed courageous.
Because Mou Feng firmly believes that Linmu Studio will definitely enter the market!
Be a pioneer if you want to be a pioneer.
Opportunities are reserved for those who are sure of their chances.
"Indeed."
Lin Yao nodded: "Although it is somewhat unexpected, we do have an opponent. This can be considered a layer of protection. We will not form a monopoly.
In any case, the combination of Tianhu Chat and Jiaming Alliance can become the second choice of users."
"Should we speed up?"
Mu Wanqing looked at Lin Yao who was standing aside.
"No, let Tianhu do it first."
Lin Yao shook her head slightly, then glanced at the serious-looking black-silk-wearing glasses lady, raised her white arm and put it on her shoulder, and chuckled, "Third-party mobile payment is not about speed. It will take a long time to really decide the winner. We still have a big advantage..."
She did not fool Mu Wanqing about this.
Third-party payment is indeed not something that can be done overnight and immediately decide the winner.
In the previous life.
How many times did the two giants fight?
From the Normandy landing of the New Year's red envelopes to the subsequent takeaway, taxi, and shared bicycle wars.
In fact, there are shadows of the struggle for the right to speak in mobile payment.
Those who have experienced it know that
different giants invest in companies that support different payment methods.
At that time, the two dogs' brains were almost beaten.
In the end, Tencent, which had a higher frequency and duration of use, barely won.
But the other one was actually not bad.
The main victims were other third-party payment institutions...
After all, the reserve funds of those two companies were tens of billions or even hundreds of billions, which made them have strong strength in negotiating with banks, and the channel prices they got were far beyond the reach of small and medium-sized institutions.
Once Linmu Studio's WeChat is released,
relying on the huge number of registered users... the scale of the reserve fund will not be small.
In addition.
Don't forget that Linmu Studio also has Linmu Investment and an incubator plan...
So no matter from which aspect, WeChat has too much advantage.
This is Lin Yao's biggest reliance.
She is not worried about Tianhu's speed.
What she is worried about is... Tianhu can't hold up.
That's it...
Lin Yao doesn't want to be labeled a payment oligarch.
"..."
Mu Wanqing has been with Lin Yao for so long and already knows Lin Yao very well.
Seeing her expression, he immediately knew what she was thinking, which was a bit funny.
Others want to be faster than Linmu Studio.
But Lin Yao is worried that others are not fast enough...
"What for?"
Lin Yao noticed Mu Wanqing's gaze.
"Look at you."
Mu Wanqing supported Lin Yao's upturned body, picked her up, and then let her sit on the edge of the desk, staring at her.
Lin Yao "..."
(End of this chapter)
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