There's really something wrong with this online game plan

Chapter 598

Lin Yao's previous life.

The starting point of mobile payment is hardly controversial.

It is brought up by the shopping website.

The initial set of virtual account mechanism similar to supermarket prepaid cards is actually mainly aimed at user refunds.

Later it developed slowly.

Only then did Lin Yao change into the appearance before crossing.

of course.

Take it slow, it's easy to say.

But at that time, in order to allow users to improve the success rate of online banking payment.

Lin Yao remembered that there were at least three changes during this period.

The first change is what Tianhu is doing.

Take the initiative to approach the bank and cooperate to issue a new card.

Then the user, the bank, and the third-party payment institution sign the relevant agreement.

Finally, the operation of direct deduction by bank card is completed.

This method really makes mobile payment a lot more convenient.

At the same time, this is also a signal that a third-party organization is officially on the stage.

Because if it's just a recharge.

No matter how you play it, it's still a prepaid card.

The money is paid to the operator, and then the operator is responsible for settlement with the merchant.

However, mobile payment is bound to a bank card, and the money in the bank card is directly withheld, which is already undertaking the remittance business that originally belonged to the bank.

This is no longer a prepaid card.

Therefore, Tianhu took the initiative to take this step to solve the cumbersome problem of online banking payment by cooperating with banks to launch new cards.

I have to say, it is indeed very bold and thoughtful.

However, this scheme still has major flaws.

Yes, it is indeed convenient for users to apply for a bank card.

But the process of applying for this bank card is also extremely cumbersome. You have to apply for the card first, then sign a contract with the bank, and sign a contract with a third-party payment institution...

This set of procedures will greatly limit the player's desire to apply for cooperation cards.

Also.

Even if users apply for this new card, they probably won't 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 in the card'.

So this method was promoted in Lin Yao's previous life, but it didn't make much waves.

And the 'cartoon-like business' that Lin Yao chose to ask Mu Wanqing to talk about is mobile payment 2.0.

The so-called "cartoon-like business" is actually a withholding payment service that users bind once through online banking and activate.

The main application scenario is currently generally withholding utility bills.

In essence, it is a one-time contract and multiple uses.

Lin Yao has checked that this business is available in almost every bank here.

And what Lin Yao wants to do is to cooperate with the bank to let the bank add the function of WeChat to withhold bank cards.

It's like withholding utility bills.

After the user completes the contract and binds the WeChat account, he can initiate a debit to the bank card through WeChat.

The advantage of this solution is that users do not need to apply for a new card, but can directly choose their usual bank card.

This kind of bank card is commonly used by users, and generally there will be no embarrassing situation of 'insufficient balance in the card', and it can also simplify the handling process.

Lin Yao remembered.

There was a period of time in the previous life, the most mainstream withholding method of mobile payment was this.

Thanks to the rise of Linmu Studio, the pan-entertainment industry is on fire here.

mainstream Internet users.

After several years of baptism, almost all of them have opened online banking.

Even users who are not interested in games have opened online banking because of the Future Store during this period of time.

So this plan should be implemented very smoothly here...

Because this solution has shortcomings, users must have online banking to complete the binding.

This is the bank's security mechanism, and 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 completely become a national payment application, this is not enough.

So in Lin Yao's previous life, this model evolved after running for a period of time.

Because there are still many users with existing bank cards, and the online banking function has not been activated.

What about these users?
This is the era of mobile payment 3.0...

That is, let the user's old card bind the third-party payment account through the mobile phone number.

This is the ultimate fast payment method.

In essence, it is a combination of MOTOpay mode and cartoon-like business.

But this stuff.

At the current stage, Lin Yao feels that the implementation is too difficult.

Although it can be done once and for all.

But from the perspective of security, at this stage, we want to fix the bank and let all users accept it.

That is completely out of the question.

This is not something that can be achieved overnight.

Everything needs a process of acceptance, and solving problems also requires a process.

Rush forward to the last step.

Let alone the bank.

Lin Yao panicked.

This is not a joke, because this kind of catch-all approach, if you make a wrong step, you may 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 mode has been proven safe and feasible.

Whether it is a bank or a user, the degree of acceptance will be higher.

of course.

No matter how.

User Acceptance.

We still have to wait for the function to be launched before we can draw a conclusion.

As for Lin Mu Studio, under the leadership of Mu Wanqing, the second business negotiation with the bank started again.

Because there was foreshadowing before.

In addition, there has been a lot of noise about mobile payment recently.

So the business negotiations went very smoothly.

This may also have something to do with 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.

Cash flow is just too much.

Several top online games are all owned by their family, and there will be a wave of stand-alone games every few months.

Almost all styles are explosive.

Now add Youmedia...

Who doesn't want such customers.

This even sets off WeChat, which is far more reliable than other mobile payments.

After all, Weixin is backed by Linmu Studio.

but.

For the 'cartoon-like business' proposed by Linmu Studio.

Banks are generally quite surprised.

How could he still play like this! ?

……

When Linmu Studio was in the second business negotiation with the bank, it also issued an announcement, announcing the last batch of third-party applications that support WeChat payment.

This also means.

Next.

Whether it's Future Store, Vaporwave, or the app store on Switch.

Whether it is the first-party application of Linmu Studio or the third-party application of other developers, you can directly purchase it through WeChat!

Also.

Because the accounts of Linmu Studio are all common.

Therefore, WeChat payment is almost full of convenience in the ecology of Linmu Studio.

But... not many colleagues pay attention to the WeChat payment of Linmu Studio.

After all, for competitors, WeChat payment is in their own ecology, so what's more convenient?
We have no such foundation.

There is no point of 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 relying on continuous iteration of payment methods and adding more functions, they have completed the corner overtaking of WeChat.

This is a role model.

For example, the cooperative card-out model recently launched by Tianhu.

It stimulated a large number of competitors, and made them sigh that they can still play like this! ?
On the one hand, it can use its own traffic to allow banks to increase users and make them cooperate willingly.

On the one hand, it can also bind the user's bank card to their own mobile payment, cultivate habits, and give them convenience.

What a genius idea!

and so.

Although Tianhu moves fast.

But soon... Other companies that entered the market in different forms also began to follow suit.

This even directly set off a wave of cooperation cards.

And in the face of these third-party payment institutions that want to cooperate.

mainstream commercial banks.

Basically all comers are welcome.

The larger banks are relatively cautious, but they are still willing to negotiate with large-scale companies like Tianhu.

After all, there are usually business contacts, and now mobile payment is booming again.

This does not move the core interests of the bank.

It can also add users to the bank.

Of course the bank would.

Even some commercial banks have actively asked to cooperate with mobile payment companies.

Because customers are their lives!

And it is precisely because of this.

Time came to November.

There are more and more cooperation cards.

Every enterprise that enters mobile payment has launched a similar cooperative card.

And in this case, of course there will be competition.

soon.

Now in the mobile payment market, Tianhu, the de facto big brother, has set off a publicity war!
They invested a lot of resources and began to promote their cooperation cards on their own channels.

Gaming is of course the highlight.

'If you apply for Tianhu Card, you will enjoy a 30.00% discount on recharging. '

the slogan.

Appeared in Tianhu's large and small games.

Their game official website is also full of similar content.

even.

They also pushed an announcement to all users in Tianhu Chat.

Promote the Tianhu card launched in cooperation with major banks.

Also.

They have also invested enormous resources in banking.

The scale of Tianhu is not small.

So the bank also gave face.

Now when users go to their main bank to apply for a new card, the counter will recommend the user to apply for a Tianhu card.

of course.

Tianhu is not without opponents.

The two largest search engines in China, Jiaming Alliance.

During this period of time, I have thoroughly seen what third-party payment institutions can bring to the company.

Also began to pay attention to the investment in this area.

It's not as simple as drilling the air.

Even the Jiaming Alliance.

Although we have reached a cooperation with Tianhu, but after seeing the situation on WeChat, I think that I also have the same conditions as Linmu Studio.

They already faintly have the idea of ​​kicking away Tianhu and doing it themselves.

on the one hand.

They want to make a mobile payment software that is similar to WeChat and can fully connect its ecology.

Simultaneously.

They also want to be like Tianhu, not limited to their own ecology, but applicable to more applications.

In short, I just want to become a big brother in the field of mobile payment!
And want to realize this ambition.

Tianhu payment has become a stumbling block.

So their attitude towards Tianhu's payment has become colder during this period of time.

Not only that.

They have also joined the battlefield of cooperative card promotion.

They also have channels to announce, and the number of users of Jiaming Alliance is there.

So they do better.

Directly through the existing Jiaming alliance system, it directly pushes advertisements to all users who use Jiaming alliance mobile phones...

And except for these two.

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 it.

And now.

Tianhu has found such a good model, of course they are not willing to lag behind.

Their pipeline is bigger.

The largest domestic search engine is in their hands.

In order to promote the bank cards that their own mobile payment platform cooperates with, they directly display advertisements at the top of all search results.

three companies.

During this time, the Eight Immortals crossed the sea, each showing their magical powers.

Then, jointly opened the first battle in the mobile payment market.

this time.

Users can really see the news of the cooperative card everywhere.

Everywhere... do you have a card?

Extremely exaggerated.

It even became a hot topic...

"Damn it, the searcher asked me if I could get a card, if I played games, if I could get a card, and tm's mobile phone also asked me if I could get a card... I'm sick, I'll do it for your size!"

"It's really exaggerated. Although I understand that the three companies are now grabbing the mobile payment market, the experience is really poor..."

"You can use Future S1 to play the games of Linmu Studio, they are still a pure land. [Eat melon]"

"That's true. Linmu Studio did not push relevant advertisements. In fact, the impact on the game level is minimal, but it can't stand the relevant publicity everywhere except for the products of Linmu Studio."

"Yeah, I want to apply for a card, but it's really too much trouble, and I'm getting annoyed by the advertisements every day."

"Doesn't Linmu Studio also do mobile payment? Why don't they promote cards? I want to get a card jointly launched by Linmu Studio and the bank. In fact, their games are much more attractive as cards than Tianhu Card , it’s really not possible, it’s okay to print Lin Yao on the card..."

"No, I don't want it. I'm really fed up with the card bombing. I want to keep this pure land."

"Linmu Studio is really slow... Maybe they don't want to get involved."

"..."

Users are generally not too cold about this card application war.

And Lin Mu Studio has naturally become the pure land in their hearts.

This is the case.

The three parties that are currently competing, of course, know it too.

But knowing is knowing.

They are not going to change.

If you want to seize the market, high-frequency advertising bombing will always be one of the most effective means.

Now mobile payment has clearly reached an important point.

No one wants to admit defeat or be the one behind.

At this moment.

For the sake of word of mouth and reducing advertising, that is to give the other two opportunities.

Who would be so stupid to do such a stupid thing that hurts one thousand for oneself and one hundred for the enemy?

Only WeChat can do this.

It's really in vain that they have such a good starting point...

Yes.

Now the industry generally believes that Weixin is too conservative and cherishes feathers.

"How many users have bound cooperation cards now?"

sky fox.

As the person who promotes the mobile payment project, Mou Feng should also be the person in charge of Tianhu Payment.

Sitting aside, Li Guangsheng replied, "More than 60."

"So few?" Mou Feng frowned upon hearing this.

"That's not enough?" Li Guangsheng laughed and said, "That's 60 users. Compared with us, the other two users are at least half less. We are the highest, and our growth rate is much higher than theirs."

"I know, but it's still too little."

Mou Feng is not as optimistic as Li Guangsheng: "We have invested so many resources to publicize and distribute, and the pay and harvest are completely unequal..."

Li Guangsheng comforted: "This is the way to open up new markets, not to mention that there are two competitors eyeing us. As long as we are faster than the other two competitors, the market will eventually belong to us."

Mou Feng rubbed his eyebrows.

did not speak.

In fact, the first time I thought of 'Tianhu Cartoon' was when I cooperated with the bank to launch a bank card scheme.

He was very excited.

Because it finally solved the troublesome situation of online banking payment, Tianhu finally went faster than WeChat.

but.

With the 'Tianhu Cartoon' program to advance.

The shortcomings are also gradually revealed.

Although the cumbersome problem on the payment side has been solved.

But getting a card is also troublesome...

Although it is troublesome once, the user will benefit for life.

But users don't seem to buy it very much...

This is a bit embarrassing.

Is there a better way?
Mou Feng couldn't help thinking.

This pattern, he was sure, must be correct.

But there should be a better solution...

Li Guangsheng saw Mou Feng lost in thought and stopped disturbing him.

Mou Feng pondered for a long time.

But I still haven't come up with a solution, and this is not something that can be thought of in a short time.

He could only shake his head, and said helplessly, "Go ahead, I haven't thought of a better plan for now."

"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 so far, and they look like they don't want to make progress. We can't refer to them." Li Guangsheng shook his head.

"Uh... that's right, don't worry about them, let's do our own thing and let them chase us!"

Mou Feng was stunned for a moment before reacting.

This time I can't cross the river by feeling the stones...

This should be considered a good thing.

Thinking of this, Mou Feng smiled, stopped asking more questions, but continued to think about how to solve the problems existing in the existing plan...

in fact.

This is the difficulty of the first mover.

Don't think it's as simple as Lin Yao said "cartoon-like business".

This is because she has experienced a similar future firsthand.

If you don't have this experience, you need to review and think repeatedly if you want 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 think of a 'cartoon-like business'.

The same is true of the sky fox here.

it's the same.

but.

In fact, Mou Feng had the opportunity to know this in advance.

If he pays more attention to the wechat of Linmu Studio, especially wechat's actions in banking, he will always receive some rumors.

After all, the bank is not a subsidiary of Linmu Studio.

but.

Weixin's "not thinking about making progress" during this period has obviously made him lose his patience.

Like.

Linmu Studio really seems to be content with the status quo and cherish the feathers.

In addition, Tianhu is fighting back and forth with the other two.

This made it even more distracting.

some moment.

Mou Feng even felt that Linmu Studio might just sit on the mountain and watch the tigers fight, and then wanted to find a way that suits him...

So of course the attention is low.

As for the bank.

Do not take the initiative to inquire.

Even if he realized that the plan proposed by Linmu Studio was more reasonable than the three companies in the war, he would not take the initiative to mention it.

Even some banks have taken the initiative to ask their staff to keep silent.

after all.

Launching bank cards together with mobile payment platforms will increase real users, without the need for banks to promote themselves.

So chance.

Before I knew it, I slipped away...

……

mid-December.

The competition for mobile payment users among Tianhu, Jiaming Alliance, and search engines has intensified.

The major banks they cooperate with are different.

Therefore, if users want to apply for a card, they must choose one of the three.

If you want convenience, you must choose one of their cooperative bank cards.

of course.

It really hurts to be idle, and you can do all three...

But such users are really rare.

Who has nothing to do with three bank cards, and deposit and transfer money one by one.

Probably also noticed this sign.

So the three companies competed for users, which became even crazier.

More and more resources are being invested.

Just send people to ask users one by one if they can get a card...

In order to seize users, the bombardment of advertisements like mad dogs has also disturbed many users.

or.

Or online banking payment?
Don't ask me to get a card!

select?Choose what to choose!I choose WeChat!
At least they don't harass us!

Because of the bombardment of advertisements, quite a few users really initiated the topic of 'I'll use WeChat if I'm forced again'.

But that doesn't mean much.

Because WeChat was struggling in its own ecology, it didn't join the battlefield.

They are elsewhere and are not used.

Everything that is said is false.

So the topic of "If you force me again, I will use WeChat" did not restrain the three parties in the melee, but made them even crazier.

Wechat eats and waits to die.

Although it broke down halfway.

But that doesn't mean they won't reboot and join the battlefield.

So they want to take advantage of WeChat to eat and wait to die, and before they can react, quickly decide the winner!
And that's the time.

Slowly came November 11rd...

"Damn it! Why are you applying for a card again!"

this day.

an apartment.

Li Yu opened the search engine and just entered a certain video website, wanting to find a movie for dinner.

But the search results jump out.

The most conspicuous.

It's still a card...

He was speechless.

In fact, he is considered a group that has been less affected by related issues. After all, he is a diehard fan of Linmu Studio's games.

But still feel unbearable.

Because it is 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 have the heart to watch any movies.

He closed the page, then picked up the Future S1 next to him, ready to go to the game circle.

Finish this lunch.

but.

Just as he was about to pick up his phone, he picked up chopsticks with his other hand.

Ding dong.

A beep sounded.

At the same time, the phone vibrated slightly.

Li Yu froze for a moment, then pulled down the notification bar.

It was found that it was a message sent by WeChat.

He was a little curious, so he opened his eyes.

This is an announcement made by the WeChat team for all WeChat users.

Click in.

Jump directly to the text.

"Isn't this also a card application?"

Li Yu looked at the jump page, and his body trembled.

but.

When the announcement came out, he immediately breathed a sigh of relief.

It is not an announcement for Amway users to apply for a card.

It is the update announcement of the new version of WeChat.

The main purpose is to tell users what has been updated in the new version of WeChat.

but.

Li Yu still finds it strange.

What is this general notice to be updated?

He picked up the chopsticks again, and looked at the announcement while chopping the rice into his mouth.

But just took a bite of rice.

He couldn't eat anymore.

Because of the first item in the announcement, he froze in place.

[WeChat Payment ushers in a comprehensive update! 】

[[-]. Wechat Pay officially launched the cartoon mode. Users can bind their existing bank cards to their Wechat account by signing a contract, and open the withholding payment; in the future, Weixin Pay users can directly initiate bank card payment The deduction of it! (For supporting banks, please refer to the attachment or detailed announcement)]

[[-]. WeChat payment officially opens the external interface. If an enterprise or individual developer needs to realize 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. The program integrates the interface into the website...]

Li Yu read the first two completely.

Stunned in place, after a long time, he murmured: "Now... I really have to choose WeChat."

Time moved forward a little.

sky fox.

Mou Feng is looking for information.

He is still thinking about whether there is a better alternative to the current cartoon plan.

but.

Haven't had any thoughts.

But just now, through his online banking page, he suddenly noticed a banking service called 'Yifutong'.

The role is to help users pay electricity and water bills.

See this business.

moment.

In Mou Feng's mind, countless thoughts exploded.

but.

He hadn't had time to clear his mind.

The cell phone at hand rang, interrupting him.

He glanced at the phone impatiently, and was about to turn it off and continue to organize his thoughts.

But as soon as he pressed the off button, he saw that the notification was sent by WeChat...

Mou Feng paused.

Then a bad thought came to my mind...

He hesitated for a moment, then picked up the phone.

Click on the announcement...

After a few seconds.

in the office.

Mou Feng's breathing became obviously heavy...

And his expression was even more exaggerated.

Unbelievably twisted.

With three points of disbelief, two points of astonishment, and five points of eating shit... an indescribable feeling of aggrieved.

next second.

Mou Feng dropped the phone directly and hugged his head.

all emotions.

All in one word.

"Grass!!!!!!!!!!!!"

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.

their office building.

All resounded with the same voice.

"Grass!!!!!!!!!!!!"

And this also foreshadows.

The first battle of mobile payment.

That's it.

later.

This battle is hailed as the most meaningless battle in the mobile payment market...

participants.

All later, it became a well-known big injustice...

A pure grievance.

(End of this chapter)