Chapter 800 Mobile payment, the beginning of war (4k)
February 1, Hangzhou.
"You're celebrating the Chinese New Year, why did you lock yourself in the study room?"
Zhang Ying knocked on the door, and a thick puff of smoke hit her face, causing her to subconsciously cover her mouth and nose.
The ashtray was filled with cigarette butts.
Lu Yun frowned and held a cigarette between his fingers.
Zhang Ying hurriedly opened the window, and the sound of firecrackers kept popping. The more festive it was, the more dull and solemn the room seemed.
"Okay, isn't it normal that Yipay can't grab the red envelope bidding for this Spring Festival Gala? Caifubao has hundreds of billions in it, and there are so many banks and financial institutions behind it to give Caifubao a platform."
Zhang Ying gave him a gentle push and comforted him with words.
"I'm not unhappy, I'm just anxious."
Lu Yun's eyes are slightly dark and his nails are yellow.
Yipay has been hit one after another. Its market share and business are not as good as before. It is worse than what it was before Ali Baba was privatized. Hell, it couldn’t beat Caifubao before it was privatized!
After privatization, it still cannot beat Caifubao...
Then it’s privatization for nothing!
In order to privatize Yipay, I lost the leadership of Ali Baba! But I was kicked out in humiliation!
I still hope that by relying on Yipay, the king will return.
At this thought, the strong will burst into cracks like an egg, and the Taoist heart was shaken. Are Lu Fei, Sun Tongyu, and Cai Chongxin always watching their own jokes?
"Don't worry, maybe we can think about it from another angle. Last year it was Penguin Pay, this year it was Caifubao, next year it might not be Yipay?" Zhang Ying comforted gently.
"Haha, you don't understand Lu Fei very well. How can you allow others to sleep soundly on the side of the bed? How could you give up this good traffic-draining idea of Spring Festival Gala red envelopes to others? You will definitely hold on to it."
Lu Yun said with a gloomy face, "Even if Penguin Pay and Caifubao weren't taking turns taking over, there would still be Feigou, WeChat, Jingdong, and even Meituan waiting in line. Lu Fei, this bastard, has many companies, so he can follow
Yipay grabs the sponsorship bid!”
"This this……"
Zhang Ying sighed, she didn't understand from the bottom of her heart——
Why don't you fight with Lu Fei? Shopping malls are not about fighting and killing.
At this moment, the cell phone on the table buzzed.
"Is this another harassing call from those P2P and private lending companies? Haven't we already told them that we won't cooperate, won't invest, and don't need it? Why are we still so entangled? It makes us seem like we owe them loan sharks." Zhang Ying
Angry and resentful.
"It's not them, it's Liu Chuanzhi's daughter who called." Lu Yun waved his hand and picked up the phone.
Zhang Ying closed her mouth, curious.
Liu Chuanzhi is an important ally. Not only is he one of the shareholders of Yipay, but Liu Qing is also a joint partner of Didi.
Lu Yun's face was constantly changing, and he was looking uncertain. The cigarette in his hand was firmly pressed into the ashtray, and wisps of green smoke were coming out.
"What's wrong? What happened to the company?"
Zhang Ying found that his whole body was filled with fire.
"It's not the company, it's Lu Fei. Caifubao has a new trick!" Lu Yun gritted his teeth and punched the table.
Zhang Ying cast an inquiring look. Did Caifubao just launch a Spring Festival red envelope event? What new tricks did it come up with?
"Caifubao launched the country's first QR code based on barcode payment." Lu Yun is facing a formidable enemy.
"QR code? What is a QR code?"
Zhang Ying looked confused. Nowadays, in the offline payment scene, barcode payment has just begun to take off, and Yipay is also one of them. Facing the small square screen of QR code, it is like the people on earth facing the dimensionality reduction attack of singer civilization.
The two fragrance foils are the same.
"QR code, when I was looking for investment from Masayoshi Son, I happened to see it in Neon. I thought I might never see it again in China. I didn't expect that Lu Fei would use QR code technology in
On mobile payment.”
Lu Yun slapped his forehead fiercely, "Why didn't I think of that! Damn it, why the hell didn't I think of that!"
"Stop shooting."
Zhang Ying stopped distressedly: "QR code is better than barcode?"
"Of course, QR codes are more suitable for mobile payments than barcodes! Lu Fei is planning to go offline!"
Lu Yun couldn't help but feel anxious when he thought that Caifubao and Penguin Pay were using QR codes to seize shopping malls, convenience stores, restaurants and other life scenes and take the lead in occupying the payment entrance.
The more I thought about it, the more anxious I became, and the more anxious I thought, "I finally understand the logic. Shenzhou's mobile phone will support the NFC function. Haha, it turns out we are waiting here! The ambush is deep enough!"
"Is this technology difficult?" Zhang Ying asked.
"Is it difficult? Even if Lu Fei refuses to license the QR code technology to me, at worst, I will go to Neon to license it."
Lu Yun took a sip of water and calmed down.
"If it's not difficult, we will also follow up on the QR code and call back the people in the technical department." Zhang Ying breathed out.
"That's not the key. Liu Qing said there are rumors in the investment circle that Sogou's 'SF Travel' has completed Series A financing, with Penguin Pay and Caifubao as shareholders."
Lu Yun's brows knitted together.
"Lu Fei is going to take action?"
Zhang Ying smelled something wrong.
"Yes, it is said that Shunfeng has contacted many taxi companies. When establishing cooperation, it also launched QR codes, Caifubao, and Penguin Pay, killing three birds with one stone..."
Lu Yun couldn't help but sigh: "It's really a good calculation."
Zhang Ying suddenly realized that the most important taxi-hailing scenario of mobile payment was first explored by Caifubao and Penguin Pay.
Now, it’s not just Caifubao and Yipay, but also Didi and Shunfeng, two taxi-hailing apps!
"The timing he chose is really good. In a few days, everyone will return to the city for work. This is exactly the busiest time for taxis, and it is also the best time to promote taxi-hailing software." Lu Yun was angry.
And anxiously, "Why didn't I think of that?"
"It's not too late to act now, they have just started."
Zhang Ying forced herself to calm down.
"It's too late, and promotion will definitely burn money. If the subsidy plan launched by Shunfeng provides benefits to drivers and users, can we not turn to them?" Lu Yun's heart was heavy, "Shunfeng has already won at the starting line.
"
"What should we do?" Zhang Ying asked.
"But fortunately, users, drivers and the rest are just losers. Whoever gives more money or gets better subsidies will fall on which side." Lu Yun gritted his teeth, "A new war has begun, Lu Fei, this
I won’t admit defeat this time! Absolutely not!”
"Boom!"
"Dong dong dong!"
The colorful fireworks look small in the daytime.
In Xu's courtyard, the old locust tree at the door was bare. Lu Fei and Xu Lei were watching Lu Hua playing with firecrackers and chatting.
"This year we can finally move into our own building and no longer have to stay in Hailong Building."
Xu Lei smoked a cigarette excitedly.
"I plan to reserve a few floors in Hailong Building, so iQiyi doesn't want to move here with me. It's good to work independently."
Lu Fei touched his chin, "There are still others, let's just leave them to companies like ByteDance and Shunfeng Travel that we have invested in."
"It's not good. Although Hailong Building is a bit rundown, it is in Zhongguancun after all, and the rent in this area is not cheap."
Xu Lei couldn't help but worry: "Especially for Shunfeng Travel, although 45 million has been raised, good steel is used at the edge of the knife. Next, we need to take taxis to open up the market, and we must heavily subsidize it."
“What about the subsidy program?”
Lu Fei asked.
"The subsidy is 1 yuan for 1 kilometer, 2 yuan for 2 kilometers, and 3 yuan for more than 3 kilometers. There are subsidies for both drivers and users, as long as they are cooperative taxi companies."
Xu Lei blew out a smoke ring.
"What's going on with the taxi company?"
Lu Fei looked at Li Hong and Gao Yuanyuan, and circled around Lu Hua.
"What else is there? Of course, we welcome it. We welcome it warmly. It can generate income for the majority of taxi drivers. How can we not welcome it? The driver masters are rushing to sign up. Individuals, state-owned, and everything is included. But considering that this is the first time
, first order, and then meet in person, so we only chose three pilot areas in Beijing, Shanghai, and Shenzhen, which are also the base camps of Caifubao, Penguin, and Feigou.”
Xu Lei smiled.
Lu Fei nodded with satisfaction and emphasized that not only should we cultivate the habit of mobile payment for taxis, but we should also let mobile payment penetrate into various offline fields such as catering, transportation, medical care, and education.
Then he breathed a sigh of relief and said, "We will promote the second generation of mobile payment, QR code, to the whole country, leaving the barcodes that are still in use like Yipay far behind."
“It’s not difficult to break into the QR code technology, and it’s estimated that Yipay will be able to crack it in a while.”
Xu Lei reminded.
Lu Fei shook his head and laughed: "QR code technology is not only about software, but also about hardware."
"hardware?"
Xu Lei looked confused.
"Don't forget where do the chips of PDA barcode scanners and handheld barcode scanners circulating on the market come from? It's our complex core! And where do the technologies and patents for QR code scanners come from? It's our logic!
"
Lu Fei raised a smirk on his lips.
Suddenly, a biting cold wind blew by.
The chill poured in from Xu Lei's loose collar, and his whole body shivered, and his heart also trembled.
“Most of the scanners that are now being promoted offline are specially used by Penguin Pay and Caifubao. Even if Yipay comes up with its own QR code, it cannot be recognized by this kind of scanner. Do you think people will choose us?
, or will you choose Easy Pay?”
Lu Fei had a playful smile.
"Damn it, can this still happen?!"
Xu Lei is so excited, but he has such a dirty heart when it comes to playing with capital?
"If you have technology, you can do whatever you want."
Lu Fei raised his chin.
"Wait a minute, wait a minute, no, since this kind of scanner is specially used for Penguin and Caifubao, doesn't it mean that Penguin's scanner cannot scan Caifubao's QR code and cannot recognize each other?"
Xu Lei noticed that two independent mobile payment platforms are not directly compatible with each other, which will greatly increase the cost and difficulty of promoting the payment interface, because at least two scanners must be prepared.
"so."
Lu Fei is confident.
In order to facilitate the majority of users, Caifubao and Penguin Pay must be interconnected. For example, Caifubao has launched a new function: you can transfer money to WeChat and QQ friends. After the transfer, a QR code will be generated and sent to WeChat and QQ friends.
Scan the QR code to collect it on Caifubao. Similarly, Penguin Pay has similar functions.
"Hey, you are trying to build an independent kingdom for mobile payment platforms!" Xu Lei read out his ambition.
Caifubao and Penguin Pay account for nearly 98% of the country's market share. Once they join forces to form a mobile payment alliance, they will become each other's horns. If small platforms such as Yipay do not understand current affairs and do not actively join the big family, they will never be able to connect to the Internet.
Interoperability.
will be isolated from the payment ecological environment created by Caifubao and Penguin. There is no doubt that Yipay will bear the brunt!
After all, Mr. Lu is petty.
"Is it too sensitive? Lu Yunke keeps suing us for monopoly, disrupting market order and unfair competition?"
My mind is busy, but I have some concerns.
"No, because after the popularity of QR codes, we will launch the third generation of mobile payment, aggregate payment."
Lu Fei stretched out a finger.
In the future, the dazzling array of payment methods and dazzling QR codes will inevitably make it difficult for merchants and users to choose. Aggregated payment means integrating the payment services of multiple payment platforms, banks, and non-bank payment institutions.
Equivalent to the last mile of mobile payment.
"I understand."
Xu Lei's eyes lit up, and he first used the second-generation mobile payment to eliminate dissidents, recruit his younger brothers, and coerce users to control the princes.
The third generation of mobile payment is here to unify all directions.
"In short, when it comes to payment scenarios, the more the better."
Just like supporting the investment in AMC, Lu Fei attaches great importance to the scenario of theatrical movies. Fortunately, Meituan's ticketing system has achieved some success.
"Are you talking about the taxi payment scene?"
Xu Lei understood and asked, "Didi?"
"It just depends on whether they have the courage to accept the move."
Lu Fei put his hands in his pockets and raised the corners of his mouth.
"Hey, it's getting cold. Go back inside."
Xu Lei rubbed his hands and breathed a sigh of relief.
"No, after meeting the old man, it's time to go and pay New Year's greetings to Leader Sha." Lu Fei gave Wang Ben a look, and the latter immediately understood.
"So urgent."
Xu Lei raised his eyebrows, "Wait a minute, I'll get you invitations and wedding candy boxes."
"Is the date set?" Lu Fei joked.
"It's decided. If it's not decided yet, the old man will have to break my legs and he'll be anxious to hold his grandson." Xu Lei poked his elbow and said. You must come, and you, the richest man in the world, must be your best man. Give it to me.
Support the scene."
"Second." Lu Fei stretched out two fingers.
"Go ahead, you can fool others, but you can't fool me. It depends on where Forbes ranks you this year."
"When will you be married?"
"The old man said that there will be a change of leadership in August, September, and October."
"That's good, it's not the first half of the year, otherwise Li Hong's best friend and bridesmaid might have lost one." Lu Fei said quietly.
"Why, your wife has another daughter-in-law?"
Xu Lei looked at it in surprise, "It doesn't look like it."
Lu Fei didn't hide anything, "Zeng Li, it's been a month or two. I just finished my confinement and can make it to your wedding."
"Oh, congratulations, I'll be treated to some red eggs then." Xu Lei winked, with a smirk on his face.
"Fuck you."
Lu Fei rolled his eyes angrily, "I accompanied her to the United States at the beginning of the new year. She attended the Golden Globe Awards and Oscars, and I took care of the acquisition of AMC Cinemas along the way."
"Please help me keep an eye on things here."
He patted Xu Lei on the shoulder and warned him seriously again and again.
