Payment software? Kirilenko doesn't quite understand, isn't there an online bank? What do we do when we develop payment software and sell it to banks?

Seeing Kirilenko's somewhat dazed look, Feng Yu explained: "Brother Ji, look, we now have two payment modes in the online mall, right?" A kind of online payment for the order and then the delivery. Pen, fun, pavilion www. biquge。 info One is to place an order, cash on delivery, right? ”

"Yes, one is to receive bank transfers, the other is to receive cash, what is the payment software you are talking about?"

"The payment software I'm talking about is called a third-party payment platform, which is a kind of credit intermediary. You see our current payment method, cash on delivery, easy to be returned by the other party, and then we lose the freight in vain, not to mention, but also easy to cause a backlog of goods, this model, is the initial way to attract customers, increase our reputation. ”

"Pay directly through online banking, so once the goods received are inconsistent with the photographed, there is no way to return them. Everyone else has collected their money, what can you do? If you want a refund, it will be too troublesome and will make the customer feel that they are worried about being scammed and will not get their money back. ”

"At this time, we need a third-party payment platform, which is what I said, this payment software developed by ourselves. The buyer pays us the money and we inform the seller to ship the goods. After the buyer has received the goods and confirmed, we will pay the money to the seller's account, during which time we form a credit guarantee. ”

"If the buyer thinks that there is a problem with the goods, then he can complain, and after the website verifies, this part of the funds has not been paid to the seller, then it is easier to refund, and there will be no situation where the seller does not pay back. It's a payment platform that gives buyers more protection and can greatly increase the credibility of the website. And it can also replace cash on delivery, avoiding wasting freight in vain. The buyer must return the goods before they can get their own money, which also avoids the seller's loss. ”

Kirilenko seemed to understand and asked, "Then why do others believe you?" If the intermediary makes a credit guarantee, you must also have a good credit history and let others believe it. ”

Feng Yu pointed at Kirilenko, and then pointed to his nose: "We are credit." We're here to vouch for this third-party payment software. Your net worth and mine are enough to convince customers that we will not cheat them out of their money, and if their money is cheated, we can afford to lose. ”

"We're going to vouch?" Kirilenko didn't expect this, but when you think about it, it really makes sense. No one would think that Feng and him would cheat customers out of that money. Nowadays, the user traffic is not large at all, even if there are millions of orders a day, a single order is a thousand dollars a day, which is a billion transactions. Either of them can easily afford to lose this money.

"No, Feng, can the bank agree?" Kirilenko thought of a question.

"This is to be discussed with the bank, what we provide is a guarantee, not taking a penny of profit, and it can greatly increase the bank's capital flow, why would they refuse?"

"Wait, we don't take a penny of profit? If we do a credit guarantee, we need to invest a lot, right? Not to mention software development, even software operation requires a lot of money. If we don't take a penny, do we just put it in? That's not a loss! Kirilenko looked at Feng Yu's eyes, as if he thought that Feng Yu's brain was caught by the door.

"No, no, no, we won't lose, we will make more money through this software. If this software is done well, the profit that can be obtained in the future may exceed that of the online mall. ”

"I'm going to give you two simple examples, very simple financial principles. You see what our ordinary bank looks like, that is, you open an account, the bank keeps the money for you, and then you have to pay interest on a regular basis. Of course, the bank does not lose money, but uses this money to invest, such as lending, buying funds or something to make money. ”

"The most important thing in this is that there is an account. Whether you deposit or spend, there is an account, and this account is where the biggest profit lies. ”

Kirilenko's brain is completely insufficient this time, and his little financial knowledge is too far behind Feng Yu. He understood what Feng Yu said at first, but Feng Yu said that accounting is the biggest profit, so he didn't understand.

What kind of profit is there in the account, it's just a record, is this thing worth it? If it is said that it is a fake account, then this account may be very valuable to some people, but most of them are real accounts, what is it worth? Can you still make money with this account?

"You know that the United States has a credit history, right? How do they measure their credit history? The main thing is through the bank's account! You know how much you deposit, how much you have inflow and outflow every month, how much you borrow, whether your repayments are timely, etc., right? ”

Kirilenko nodded, then shook his head again. He understands all this, but he still doesn't understand what Feng Yu said about making money.

Feng Yu patiently explained: "The monthly inflow can judge your income. Monthly outflow can judge your consumption outlook. And where the outflow goes is the most important. Through this account, we can clearly see what this person does and what he likes to buy. Of course, we must do a big data analysis, and the most important thing to analyze is a consumption habit. ”

"Through this account, I know your consumption habits, so in terms of advertising push, am I more advantageous, can be more targeted, push the ads you are interested in, right?"

Kirilenko nodded, that's right, just like he likes to drink, and many people who want to work with him, the first choice is to invite him to drink, especially those he hasn't drunk.

In the past life, many people will find that some Taobao advertisements and some of the above push advertisements are related to your past consumption. Even on all other online shopping websites, the ads that are pushed to you are related to this, because those websites use the same third-party payment software.

This is only for the buyer, and for the seller, there is also great value.

"Another point is that through this account, we can know which products sell better, so we can increase their production and reduce costs because of the increase in production."

This is the origin of those popular models on the Internet in the previous life, without the support of these big data, who knows which product can be so popular and dare to produce so much? And the third-party payment software can clearly know which product will become a hit.

Kirilenko said with some excitement: "So we can increase the amount of money on the website, right?" That's a really good thing! ”

Feng Yu "......"

You've thought of increasing your spending? Haven't you thought about cooperating with those popular manufacturers? Even if you sell this news, you can make a profit!

…… (To be continued.) )