Chapter 598: Pure and Unfair,
Lin Yao's previous life.
There is almost no dispute about the starting point of mobile payment.
It was brought up by shopping websites.
The virtual account mechanism similar to the supermarket prepaid card at the beginning was actually mainly aimed at the refund of users.
Later, it developed slowly.
It became what it was before Lin Yao crossed over.
Of course.
It is easy to say that it is slow.
But at that time, in order to allow users to increase the success rate of online banking payments.
Lin Yao remembered that it had undergone at least three changes during the period.
The first change was what Tianhu was doing.
Actively contacted the bank to cooperate in issuing new cards.
Then the user, the bank, and the third-party payment institution signed the relevant agreement.
Finally, the operation of direct deduction of the bank card was completed.
This method really made mobile payment a lot more convenient.
At the same time, it also symbolized that the third-party institution officially stood on the stage.
Because if it is just a recharge.
No matter how you play it, it is still a prepaid card.
The money is paid to the operator, and then the operator is responsible for settling with the merchant.
But mobile payment is bound to a bank card, and the money in the bank card is directly deducted, which is already assuming the remittance business that originally belonged to the bank.
At this time, it is not a prepaid card.
So Tianhu took the initiative to take this step and cooperate with banks to launch new cards to solve the cumbersome problem of online banking payments.
I have to say that it is indeed very bold and thoughtful.
However, this plan still has a big flaw.
Yes, it is indeed convenient for users to apply for a bank card.
But the application process of this bank card is also extremely cumbersome. You have to apply for a card first, then sign a contract with the bank, and also sign a contract with a third-party payment institution...
This set of procedures will greatly limit the desire of players to apply for a cooperative card.
In addition.
Even if users apply for this new card, they may not transfer much money into it.
After all, it is not a commonly used card.
And this will lead to the embarrassing situation of "insufficient balance on the card".
Therefore, although this method was promoted in Lin Yao's previous life, it did not cause much waves.
And Lin Yao chose to let Mu Wanqing talk about the "cartoon-like business", which is mobile payment 2.0.
The so-called "cartoon-like business" is actually a payment service opened by users through online banking.
The main application scenario is generally to deduct water and electricity bills.
In essence, it is a one-time contract and multiple uses.
Lin Yao checked and found that almost every bank here has this service.
What Lin Yao wants to do is to cooperate with WeChat and banks to let banks add the function of WeChat to deduct money from bank cards.
Just like deducting water and electricity bills.
After the user completes the contract and binds the WeChat account, he can initiate the deduction of the bank card through WeChat.
The advantage of this plan is that users do not need to apply for a new card, but can directly choose the bank card they often use.
This type of bank card is a card that users often use, and generally there will be no embarrassing situation of "insufficient balance on the card", and it can also simplify the application process.
Lin Yao remembers.
There was a time in the past life when the most mainstream deduction method for mobile payment was this.
And thanks to the rise of Linmu Studio, the pan-entertainment industry here is very popular.
Mainstream Internet users.
After a few years of baptism, almost all of them have opened online banking.
Even users who are not interested in games have opened online banking during this period because of Future Store.
So this plan should be implemented very smoothly here...
Because this plan has disadvantages, users must have online banking to complete the binding.
This is the bank's security mechanism. The bank must ask the user to prove that the operator is himself.
It is not something that can be changed in a few words.
Of course.
Although mainstream Internet users have opened online banking, if mobile payment really wants to penetrate all aspects of society and become a national payment application, this is not enough.
So in Lin Yao's previous life, this model was run for a period of time and then evolved again.
Because there are still many users who have existing bank cards and have not opened the online banking function.
What should these users do?
This is about the era of mobile payment 3.0...
That is, let the user's old card bind a third-party payment account through a mobile phone number.
This is the ultimate quick payment method.
In essence, it is a combination of the MOTOpay model and cartoon-like business.
But this thing.
At this stage, Lin Yao feels that it is too difficult to promote.
Although it can be done once and for all.
But from a security perspective,
it is completely a fantasy to want to get the bank and let all users accept it at this stage.
This is not something that can be done overnight.
Everything requires a process of acceptance, and solving problems also requires a process.
Rashly proceed to the last step.
Let alone the bank.
Lin Yao was panicking.
This was no joke, because if she took a wrong step in this catch-all approach, she might face huge risks.
So she didn't aim too high, but planned to use mobile payment 2.0 as the entry point.
As long as this model is accepted by mainstream users,
WeChat can be accepted by more users,
and this model is proven to be safe and feasible.
Then both banks and users will accept it more.
Of course,
no matter what,
the degree of user acceptance
can only be determined after the function is launched.
And under the leadership of Mu Wanqing, Linmu Studio started the second business negotiation with the bank again.
Because there was a foreshadowing before,
and mobile payment has been making a lot of noise recently,
so the business negotiation went very smoothly.
This may also be related to the scale of Linmu Studio.
After all, everyone knows that Linmu Studio makes money.
In the eyes of any bank, Linmu Studio is the best user.
The cash flow is really fierce.
Several major online games are all from their company, and there will be a wave of stand-alone games every few months.
Almost all of them are hot-selling.
Now add Youmei...
Who doesn't want such a customer?
This even makes WeChat more reliable than other mobile payments.
After all, WeChat is backed by Linmu Studio.
However, banks are generally surprised by
the "cartoon-like business" proposed by Linmu Studio. It can be played like this! ? ... During the second business negotiation between Linmu Studio and the bank, Linmu Studio also issued an announcement, announcing the last batch of third-party applications that support WeChat payment. This means that in the future, whether it is Future Store, Vaporwave, or the app store on Switch, whether it is Linmu Studio's own first-party application or other developers' third-party applications, you can buy them directly with WeChat! In addition, because Linmu Studio's account is universal, WeChat payment is almost as convenient as it can be in Linmu Studio's ecosystem. But... not many peers are paying attention to Linmu Studio's WeChat payment. After all, for competitors, WeChat payment is convenient in their own ecosystem. We don't have such a foundation. There is no point in reference at all! Instead of referring to WeChat, a big dog, it is better to refer to Tianhu payment. They also have a weak foundation, but they have surpassed WeChat by constantly iterating payment methods and adding more functions. This is a role model, right? For example, the cooperative card issuance model recently launched by Tianhu has stimulated a large number of competitors, making them sigh that they can actually play like this! ? On the one hand, it can use its own traffic to increase the number of users of banks and make them willing to cooperate. On the other hand, it can also allow users to bind their bank cards to their mobile payments, cultivate habits, and provide them with convenience. It is simply a genius idea! So, although Tianhu is fast, soon... other companies that have entered this market in different forms have also begun to follow suit. This has even directly set off a wave of cooperative cards. In the face of these third-party payment institutions that want to cooperate, mainstream commercial banks basically accept all comers. Larger banks are relatively cautious, but they are still willing to talk to large-scale companies such as Tianhu. After all, they usually have business dealings, and now mobile payments are booming. This does not affect the core interests of banks. It can also increase users for banks. Of course, banks are willing. Even some commercial banks have actively begged to cooperate with mobile payment companies. Because customers are their life! And it is precisely because of this. Time came to November. There are more and more cooperative cards. Every company that entered the mobile payment market has launched similar cooperative cards. And in this case, of course there will be competition. Soon. Now the de facto leader in the mobile payment market, Tianhu, has launched a publicity war! They have invested a lot of resources and started to promote their cooperative cards through their own channels. Games are of course the highlight. "Apply for Tianhu cards and enjoy a 30% discount on recharges." This slogan appeared in all the big and small games under Tianhu.
Their game official website is also full of similar content. They
even
pushed an announcement to all users in the Tianhu chat
to promote the Tianhu card launched in cooperation with the main bank.
In addition,
they have also invested a huge amount of resources in the bank.
Tianhu is also a large company.
So the bank also gave it face.
Now when users go to their main bank to apply for a new card, the counter will recommend users to apply for the Tianhu card.
Of course,
Tianhu is not without rivals.
The two largest search engines in China, Jiaming Alliance,
have thoroughly seen what third-party payment institutions can bring to the company during this period.
They have also begun to pay attention to investment in this area.
It is not as simple as taking advantage of the trend.
Even Jiaming Alliance.
Although they have reached a cooperation with Tianhu, seeing the situation on WeChat and thinking that they have the same conditions as Linmu Studio,
they have already had the idea of kicking Tianhu out and doing it themselves.
On the one hand,
they want to make a mobile payment software similar to WeChat that can fully connect its ecosystem.
At the same time,
they also want to be like Tianhu, not limited to its own ecosystem, and applicable to more applications.
In short, they want to be the leader in the mobile payment field!
In order to realize such ambitions,
Tianhu Payment became a stumbling block.
So their attitude towards Tianhu Payment has become cold during this period.
Not only that,
they also joined the battlefield of promoting cooperative cards.
They also have channels for publicity and the number of users of Jiaming Alliance is there.
So they did it even better. They
directly pushed advertisements to all users who use Jiaming Alliance mobile phones through the existing Jiaming Alliance system...
In addition to these two companies,
the largest search engine in China
also joined the battlefield.
They have nothing to do with Jiaming Alliance or Tianhu.
They are simply optimistic about the future of mobile payment and want to get a piece of the pie.
And now,
Tianhu has found such a good model, and of course they don’t want to fall behind.
They have bigger channels.
The largest search engine in China is in their hands.
In order to promote the bank cards that cooperate with their own mobile payment platform, they directly highlight the advertisements at the front of all search results.
Three companies.
During this period, the Eight Immortals crossed the sea and showed their magical powers.
Then, they jointly started the first battle in the mobile payment market.
During this period,
users can really see news about cooperative cards everywhere.
Everywhere... Apply for a card?
Extremely exaggerated.
This has even become a hot topic...
"Fuck it, searches ask me if I want to apply for a card, games ask me if I want to apply for a card, and even playing on my phone asks me if I want to apply for a card... Are you sick? I'll kill you!"
"It's really exaggerated. Although I understand that the three companies are now competing for the mobile payment market, the experience is terrible..."
"You can use Future S1 and play games from Linmu Studio. Theirs is still a pure land. [Eating melon]"
"That's right. Linmu Studio did not push related advertisements. In fact, the impact on the game level is the smallest, but except for the products under Linmu Studio, there are related promotions everywhere."
"Yeah, I do want to apply for a card, but it's really too troublesome. They push ads to me every day, and I'm almost annoyed."
"Doesn't Linmu Studio also do mobile payments? Why don't they promote card applications? I would like to apply for the card launched by Linmu Studio and the bank. In fact, their games are much more attractive as card faces than Tianhu Cards. If not, it's okay to print Lin Yao on the card face..."
"No, I don't want it. I'm really fed up with the bombardment of card applications. I want to protect this piece of pure land."
"Linmu Studio is indeed slow... They may not want to get involved."
"..."
Users are generally not very interested in this card-issuing war.
And Linmu Studio has naturally become a pure land in their hearts.
This situation.
The three parties currently competing are of course aware of it.
But knowing is knowing.
They don't plan to change.
If you want to seize the market, high-frequency advertising bombardment will always be one of the most effective means.
Now mobile payment has obviously reached an important node.
No one wants to admit defeat or become the lagging party.
At this time.
For the sake of reputation, reducing advertising means giving the other two companies a chance.
Who would be so stupid as to do such a stupid thing that hurts themselves a thousand and hurts the enemy a hundred?
Only WeChat would do this.
It's really a waste of their good starting point...
Yes.
Now the industry generally believes that WeChat is too conservative and too careful about its reputation.
"How many users have bound their cooperative cards now?"
Tianhu.
As the person who promoted the mobile payment project, Mou Feng should also be the person in charge of Tianhu Payment.
Li Guangsheng sat aside and replied: "More than 600,000."
"So little?" Mou Feng frowned when he heard it.
"Is this still too little?" Li Guangsheng said with a smile: "This is 600,000 users. The other two companies have at least half less than us. We are the highest, and our growth rate is much higher than theirs."
"I know, but this is still too little."
Mou Feng was not as optimistic as Li Guangsheng: "We invested so many resources in publicity and promotion, and the input and output are completely unequal..."
Li Guangsheng comforted: "This is how it is to open up new markets, not to mention that there are two competitors eyeing them. As long as we are faster than the other two competitors, the market will eventually belong to us."
Mou Feng rubbed his eyebrows.
No words.
In fact, when he first thought of 'Tianhu Cartoon', that is, the plan to cooperate with banks to launch bank cards.
He was very excited.
Because the troublesome situation of online banking payment was finally solved, Tianhu finally went faster than WeChat.
But.
As the "Tianhu Cartoon" plan progressed,
its shortcomings gradually emerged.
Although the cumbersome problem of payment was solved, it
was still troublesome to apply for a card...
Although it was a one-time trouble, users would benefit for life.
But users didn't seem to buy it very much...
This was a bit embarrassing.
Is there a better way?
Mou Feng couldn't help thinking.
He was sure that this model was correct.
But there should be a better solution...
Li Guangsheng saw that Mou Feng was lost in thought and stopped disturbing him.
Mou Feng pondered for a long time.
But he still couldn't come up with a solution, and this was not something that could be solved in a short time.
He could only shake his head and said helplessly: "Let's keep going. I can't think of a better solution for the time being."
"Okay." Li Guangsheng stood up.
"By the way, WeChat..."
Mou Feng suddenly thought of something and stopped Li Guangsheng.
"They haven't stepped out of their comfort zone yet, and they look like they are not enterprising. We can't refer to them." Li Guangsheng shook his head.
"Uh... that's right, then don't worry about them, we do our own thing and let them catch up with us!"
Mou Feng was stunned for a moment, and then he reacted.
I can't cross the river by feeling the stones this time...
This should be a good thing.
Thinking of this, Mou Feng smiled and stopped asking questions. Instead, he continued to think about how to solve the problems in the existing solutions...
In fact,
this is the difficulty of the pioneers.
Don't think that Lin Yao said "cartoon-like business" is so simple.
This is because she has personally experienced a similar future.
If you don't have this experience, you need to review and think repeatedly to notice the bank's "cartoon-like business" and then associate it with mobile payment.
It took a long time for Zhifubao in the previous life to associate it with "cartoon-like business".
The same is true for Tianhu here.
It's the same.
However,
in fact, Mou Feng had the opportunity to know this in advance.
If he paid more attention to Linmu Studio's WeChat, especially the actions of WeChat in the bank, he would always receive some news.
After all, the bank is not a subsidiary of Linmu Studio.
However.
WeChat's "lack of ambition" during this period has obviously made him lose patience.
It seems that
Linmu Studio is really too content with the status quo and cherishes its feathers.
In addition, Tianhu is fighting back and forth with the other two companies.
This makes it even harder to concentrate.
At a certain moment,
Mou Feng even felt that Linmu Studio might just be watching the fight from the mountain, and then trying to find a way that suits them...
So of course the attention is low.
As for the banks ,
they don't take the initiative to inquire.
Even if they realize that the plan proposed by Linmu Studio is more reasonable than the three companies that are fighting, they will not take the initiative to mention it.
Some banks even take the initiative to ask their staff to keep silent.
After all,
launching bank cards together with mobile payment platforms will increase real users, and the banks don't have to promote it themselves.
So the opportunity
slipped away unknowingly...
...
In mid-November,
the battle for mobile payment users among Tianhu, Jiaming Alliance, and Search Engine has intensified.
The main banks they cooperate with are different.
So if users want to apply for a card, they must choose one of the three.
If you want convenience, you must choose a bank card that handles their cooperation.
Of course.
If you are really bored, you can apply for all three cards...
But there are really few such users.
Who would apply for three bank cards and deposit and transfer money into them one by one?
Maybe they have noticed this trend.
So the three banks are fighting for users even more frantically.
More and more resources are invested.
They just need to send people to ask users one by one whether they want to apply for a card...
And in order to grab users, the crazy dog-like advertising bombardment has also made many users overwhelmed.
Otherwise.
Or online banking payment?
Don't let me apply for a card!
Choose? What to choose! I choose WeChat!
At least they won't harass us!
Because of the advertising bombardment, many users have started the topic of "If you force me again, I will use WeChat".
But this is not very meaningful.
Because WeChat is rolling in its own ecosystem and has not joined the battlefield.
They are not available in other places.
Whatever you say is false.
So the topic of "If you force me again, I will use WeChat" did not make the three parties in the melee converge, but made them even crazier.
WeChat is just waiting to die.
Although it broke down halfway.
But that doesn't mean they won't restart and join the battlefield.
So they want to take advantage of the time when WeChat is just waiting to die and has not reacted, and quickly decide the winner!
And time is like this.
Slowly came to November 23rd...
"Fuck! Why is it another card application!"
On this day.
In an apartment.
Li Yu opened the search engine and just entered a certain video website, wanting to find a movie to eat with his meal.
But the search results popped up.
The most conspicuous one
was still the card application...
He was speechless.
In fact, he was considered to be a group that was less affected by the relevant impact, after all, he was a die-hard fan of Linmu Studio's games.
But he still felt unbearable.
Because it was pervasive.
"If you force me again, I will choose WeChat!" Li
Yu looked at the screen, shook his head, and then complained, and he didn't want to watch any movies.
He closed the page, picked up the Future S1 next to him, and prepared to go to the game circle.
After lunch. However. He was about to pick up the phone, and picked up the chopsticks with his other hand. Ding Dong. A reminder sound rang. At the same time, the phone vibrated slightly. Li Yu was stunned for a moment, then pulled down the notification bar. He found that it was a message from WeChat. He was a little curious, so he clicked it and took a look. This was an announcement released by the WeChat team for all WeChat users . Clicking in, he jumped directly to the main text. "Isn't this also about applying for a card?" Li Yu looked at the jump page and was shocked. However, when the announcement came out, he was immediately relieved. It was not an announcement to recommend users to apply for a card. It was an update announcement for the new version of WeChat. It was mainly to tell users what was updated in the new version of WeChat. However, Li Yu still found it very strange. What is this general notification about to update? He picked up the chopsticks again, and then read the announcement while shoveling rice into his mouth. But he couldn't eat it after just taking a bite of rice . Because the first item in the announcement made him stunned. [WeChat payment has ushered in a comprehensive update! 】 【1. WeChat payment officially launched the cartoon mode. Users can bind their existing bank cards to WeChat accounts and open the deduction payment by signing a contract. In the future, WeChat payment users can directly initiate deductions from bank cards through WeChat payment! (For supported banks, please see the attachment or detailed announcement)】 【2. WeChat payment officially opened external interfaces. If enterprises or individual developers need to implement third-party payment, they can apply for an account on the WeChat platform and sign an agreement. After the agreement takes effect, WeChat will open the online payment function for you and integrate the interface into the website through the program...】 Li Yu read the first two completely. He was stunned for a long time before muttering, "Now... I really have to choose WeChat." Time went forward a little. Tianhu. Mou Feng was looking up information. He was still thinking about whether there was a better alternative to the current cartoon solution. However. He had no idea. But just now, he suddenly noticed a banking business through his online banking page. The business was called "Yi Fu Tong". The function was to help users pay electricity and water bills on behalf of others. Seeing this business.
Instantly,
countless thoughts exploded in Mou Feng's mind.
However,
before he could sort out his thoughts,
the phone at hand rang, interrupting him.
He glanced at his phone impatiently and was about to turn it off to continue organizing his thoughts.
But as soon as he pressed the power button, he saw that the notification was sent from WeChat...
Mou Feng paused.
Then a bad idea inexplicably arose in his mind...
He hesitated for a moment, but still picked up the phone.
He clicked on the announcement...
A few seconds later.
In the office.
Mou Feng's breathing became obviously heavier...
and his expression was even more exaggerated.
It was distorted.
With three points of disbelief, two points of astonishment, and five points of eating shit... an indescribable feeling of frustration.
The next second.
Mou Feng directly dropped his phone and hugged his head.
All emotions.
All turned into one word.
"Fuck!!!!!!!!!!!!!!!"
At the same time.
Jiaming Alliance.
The largest search engine in China.
Including major companies that have entered the mobile payment market in different forms.
The office building where they are located.
All rang with the same voice.
"Fuck!!!!!!!!!!!!!!!!!!!!!"
And this also foreshadowed that
the first battle of mobile payment
had come to an end.
Later,
this battle was hailed as the most meaningless battle in the mobile payment market... All
the participants
later became notorious enemies...
pure enemies.
(End of this chapter)
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