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Membership purchases have been completed.

Zhou Buqi sat in front of the computer and operated it himself on the internal test website.

Open the virtual group buying page, and there is a virtual item rack worth 99 yuan on it. Zhou Buqi clicked the buy button, then filled in the personal information and confirmed the order.

Entered the payment process.

A display was immediately displayed on the page, and a line of small words appeared: Membership purchase is recommended, payment is more convenient, and free guarantee is safer.

Then, behind it is a bright red icon: "Membership Purchase".

Below, there is also a drop-down arrow. The previous introduction: online banking, you need to jump to the bank page many times, the payment process is stuck, the payment success rate is low, and you do not enjoy the free guarantee service provided by Xiaonei.

An icon for online banking payment is given behind.

Seeing this, Zhou Buqi pointed to the screen and said, "Don't belittle, just describe it objectively, just leave the sentence 'Need to jump to the bank page many times, and don't enjoy the free guarantee service provided by Xiaonei'."

Everyone agrees.

Zhou Buqi clicked on the membership purchase, and then popped up the account registration interface, "Welcome to use the membership purchase service, now, please fill in your membership purchase account..."

Seeing this, Zhou Buqi shook his head again, and said: "This process is too cumbersome, so it should be concise. If it becomes a platform in the future, it will be used by e-commerce websites such as JD.com and Dangdang, and this method can be used to attract new users. But there is no need for Xiaonei. Membership purchases and Xiaonei must be bound. Xiaonei is registered with a real-name system. Is there anything more secure than this? When registering, users can automatically add Xiaonei account and Name, for users to choose whether they need to modify."

This is all his previous life experience.

The registration process must be simple. After everything is registered with the real name system, the mobile phone number, ID number, etc. are all bound, and many platforms do not even need to register, just lock the information directly, and you can use it immediately.

After registering and purchasing as a member, it finally comes to the payment link.

Click to pay, and the above prompt: "Your membership card has no balance, do you need to transfer funds through online banking?"

After confirming the transfer of 200 yuan, I entered the online banking environment.

Plug the NetShield into the USB port, and the IE browser jumps out of the security control, selects "Install this add-on for all users on this computer", and then clicks the red word "Install the control" on the online banking page...

Seeing that Zhou Buqi looked unhappy, the developer quickly explained: "Because it is a test, every link needs to be considered. In fact, if users use their own computers, they only need to Download these plug-ins to enter the secure payment mode provided by online banking."

Next, refresh the interface and click Test Certificate.

The NetShield password interface appears, enter the password.

Finally, the bank card can be selected for payment, and the NetShield password pops up again, enter the password...

it is finally over.

The page jumps back to the member purchase homepage.

The balance is still 0 yuan.

"Refresh it, and it will be fine."

Someone whispered.

Zhou Buqi refreshed the page, and sure enough, 200 yuan appeared in the membership purchase balance.

"Why!"

He sighed, the whole process is too complicated...

Of course, he also knows that this cannot be blamed on the member buying team, the main problem is online banking.

Next, install the security certificate purchased by the member.

This security certificate not only includes the security protection for membership purchase and use, but also adds a plug-in to grab the internet speed developed by Tang Binchen, an expert of Beihang University.

It is definitely a secret weapon for membership purchases.

Next, paying for virtual items in Groupon is easy. The computer checks the security environment of membership purchases, and after passing, enter the payment password to complete the transaction.

Looking at the balance again, it turned out that there was 101 yuan left.

"Well enough."

Zhou Buqi performed a simple operation, nodded to express his approval, and then said: "This is a dedicated network, right? We need to use a normal network to carry out a larger test. Make the data bigger and see if you use membership purchases to pay. The gap ratio between the success rate and the success rate of using online banking payment."

Online payment is inseparable from online banking.

The difference is that if the user uses the membership purchase, then the security certificate of the membership purchase must be installed in his computer, and the online banking transfer can be performed in the membership purchase security mode, and the network speed can be robbed.

Therefore, online banking is also used to transfer money, and the success rate of Alipay must not be higher than that of member purchases.

That's a big advantage.

Once the membership purchase is completed in the future and the platform is established, it will be more attractive to promote to some B2C e-commerce websites such as JD.com, Dangdang, and Joyo.com.

The reason why it is B2C is another major feature of the membership purchase model.

The use of Alipay requires two transfers, that is, the user transfers to the Alipay platform through online banking, and the Alipay platform then transfers to the merchant.

Because Taobao has hundreds of thousands of small sellers, the sellers corresponding to each transaction may be different. Therefore, if Alipay wants to transfer every sum of money to the seller, it is impossible to pass online banking, which will affect the efficiency too much.

Alipay has cooperated with the bank, and every transaction information will be sent to the bank immediately, and after the bank checks, it will be transferred to the seller through offline bank remittance.

Under this model, the major banks in Lin'an City will allocate nearly a thousand employees in total to help Alipay transfer funds to those hundreds of thousands of small sellers.

How much labor is this wasted?

But there is no way, this is already the optimal solution under the Alipay model. If you transfer money through online banking... tens of thousands of people are too busy.

Membership is not required.

Users only need to use one online bank transfer to transfer the money to the member shopping, and then they can shop online with confidence.

The money goes directly into the school net pocket, no need to transfer.

If it develops in the future, it will be very simple to cooperate with websites like JD.com and Dangdang. Because websites such as JD.com, Dangdang, and Amazon are all B2C self-operated models and sellers, just like Xiaonei.

Xiaonei only needs to reach an agreement with these websites, and the amount of each transaction completed through membership purchases needs to be confirmed by both parties, and there is no need to rush to pay at all.

This is the benefit of big companies, there is trust between each other. Don't be in a hurry to pay the money immediately, just wait until the end of the month for a unified settlement and pay in one lump sum.

This does not require the bank to prepare thousands of people every day to complete the remittance of small amounts.

Greatly improve efficiency.

Those small sellers on Taobao... If they hold down funds for a month, the store may be sold out, and the money must be transferred immediately.

Therefore, the current model of membership shopping is definitely not applicable to Taobao.

At this time, Wu Hanqing came late, heard Zhou Buqi's words, and said with a smile: "I made the security certificate, and I have tested it, and the effect is very good. The success rate of ordinary online bank transfers is only 45% Around. The success rate of online banking transfers under the membership purchase model can reach 75%.”

"Satisfied with 75%?"

Zhou Buqi glared at him angrily, this kid was late, and I don't know if he went out with Xu Baihui last night... Uh, no, Xu Baihui said that this kid respects her, no matter how she Flattering and acting like a baby, he always looks like a gentleman, and he has no dirty thoughts about sleeping with her, and she was once so angry that she wanted to break up.

Wu Hanqing said bitterly: "Not satisfied with 75%? Your requirements are too high. If the online banking does not change, the gods will not save it!"

Guo Pengfei smiled, "What about safety? This is more important."

Wu Han said calmly: "You can rest assured that, with the level of hackers in China, my security shield is more than enough."

Zhou Buqi was not worried about this, and said: "Before the platformization, membership purchases would only be bound to Xiaonei.com group purchases. Even if someone hacked, it would be useless. Membership purchases would be tied to Xiaonei.com account numbers, consignees and delivery addresses." It’s bound. We don’t sell virtual items, so we can’t steal them if we want. However, we must do a good job in terms of security when we cooperate with outstations after platformization.”

Wu Hanqing was full of confidence in this, and made a request: "I want to form a security team, and I want to recruit three people."

Zhou Buqi said: "It's already May, and the school recruitment is over, are you talking about it now?"

Wu Hanqing said: "What is the school recruiting? I know all the computer students in Beike and the National People's University, so I can find a few to help. When we graduate together, this team will naturally be formed."

Zhou Buqi nodded, "Okay, you can look at the arrangement." Then, he turned to look at Guo Pengfei: "How much is the salary?"

Guo Pengfei said: "The current standard is 1,000 yuan for undergraduates and 1,500 yuan for part-time jobs in graduate schools."

Zhou Buqi narrowed his eyes.

He remembered that the basic salary of full-time programmers on Friends.com was more than 6,000 yuan, and some skilled programmers had a monthly salary of more than 10,000 yuan, and fresh graduates also had a basic salary of 4,000 yuan.

"It's time for a salary increase." Zhou Buqi paused, "Let's raise it by 1,000 yuan, 2,000 yuan a month for undergraduate part-time jobs, and 2,500 yuan a month for postgraduate part-time jobs. Go back and talk to Senior Sister Zhenyu to get the finances right. "

The team at Renmin University is all part-time students, consisting of three graduate students and seven undergraduates.

After listening to it, they all looked bright.

...

After coming to the National People's Congress to inspect, Zhou Buqi will go to the milk tea factory.

The first batch of cup-packed Yuanwei milk tea has been launched to the market. The factory director Fang Qiwen personally led the team to promote it with some old partners of the beverage factory in the past.

On the way, Zhou Buqi called Chen Dong and asked him, "Has the decoration company been contacted?"

"Well, I have contacted 12 companies, all of which are second to none in China. I have given an idea, and they will bid for the proposal." Chen Dong seemed to be raising a child, and there was a clear and clear laughter of a child beside him.

Zhou Buqi said with a smile: "It's quite leisurely? I'll arrange a task for you, go to the Industrial and Commercial Bureau, and get 'Member Payment', 'Member Payment', 'Member Easy Payment', 'Member QuickPass', 'Member Financial Management' ', 'Member Tong'...you think about what else, the trademarks are all registered, so as not to cause trouble in the future."

Chen Dong immediately said: "Okay, I'll go right away!"