There is almost no controversy about the starting point of mobile payment.
It was brought about by shopping websites.
The initial virtual account mechanism, which was similar to a supermarket prepaid card, was actually mainly aimed at user refunds.
Later it developed slowly.
Only then did she become what Lin Yao looked like before she traveled through time.
certainly.
This is easy to say slowly.
But at that time, in order to allow users to improve the success rate of online banking payments.
Lin Yao remembers that it went through at least three changes during this period.
The first change is what Tianhu is doing.
Take the initiative to contact banks to cooperate in issuing new cards.
Then the user, bank, and third-party payment institution sign relevant agreements.
Finally complete the direct debit operation with bank card.
This method indeed makes mobile payment a lot more convenient.
At the same time, this also symbolizes the signal that third-party organizations have officially stepped onto the stage.
Because if you just recharge.
No matter how you play, it’s still a prepaid card.
The money is paid to the operator, who is then responsible for settlement with the merchant.
However, mobile payment is bound to a bank card and directly debits the money in the bank card, which is already responsible for the remittance business that originally belongs to the bank.
This is no longer a prepaid card.
Therefore, Tianhu took the initiative to take this step and solve the problem of cumbersome online banking payments by cooperating with banks to launch new cards.
I have to say, it is indeed very courageous and thoughtful.
However, this plan still has major flaws.
Yes, it is indeed convenient for users to apply for a bank card.
But the application process for this bank card is also extremely cumbersome. You need to apply for the card first, then sign a contract with the bank, and then sign a contract with a third-party payment institution...
This set of procedures will greatly limit players’ desire to apply for cooperation cards.
in addition.
Even if users apply for this new card, they probably won't be able to transfer much money to it.
After all, it’s not a commonly used card.
This will lead to the embarrassing situation of ‘insufficient balance in the card’.
Therefore, although this method was promoted in Lin Yao's previous life, it did not cause much waves.
Lin Yao chose to let Mu Wanqing discuss the 'cartoon-like business', which 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 it.
The main application scenario is currently to withhold utility bills.
Essentially, you sign a contract once and use it multiple times.
Lin Yao checked and found that this business is available in almost every bank here.
What Lin Yao wants to do is to cooperate with WeChat and banks so that banks can add the function of WeChat to withhold bank cards.
Just like withholding utility bills.
After the user completes the contract and binds the WeChat account, he or she can initiate a deduction from 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 commonly used bank card.
As this kind of bank card is commonly used by users, it generally does not cause the embarrassing situation of "insufficient balance in the card", and it can also simplify the application process.
Lin Yao remembers.
There was a time in the past when this was the most mainstream withholding method for mobile payments.
Thanks to the rise of Linmu Studio, the entertainment industry here is booming.
Mainstream Internet users.
After several years of baptism, almost everyone has opened online banking.
Even users who are not interested in games have opened online banking during this period because of the Future Store.
Therefore, 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. The bank must require users to prove that the operator is themselves.
It's not something that can be changed with a few words.
certainly.
Although mainstream Internet users have all opened online banking, if mobile payment really wants to penetrate into all aspects of society and completely become a national payment application, this is not enough.
So in Lin Yao's previous life, this model ran for a while and then evolved again.
Because there are still many users with existing bank cards that do not have the online banking function enabled.
What to do with these users?
This is about the era of mobile payment 3.0...
That is, let users bind their old cards to third-party payment accounts through their mobile phone numbers.
This is the ultimate fast payment method.
Essentially, it is a combination of MOTOpay model and cartoon-like business.
But this thing.
At this stage, Lin Yao feels that it is too difficult to implement.
Although it can be solved once and for all.
But from a security perspective, at this stage we want to get the bank to accept it and make it acceptable to all users.
That's a complete fantasy.
This is not something that can be accomplished overnight.
Everything requires a process of acceptance, and solving problems also requires a process.
Rushing to the last step.
Forget about the bank.
Lin Yao was panicked.
This is no joke, because this kind of one-stop approach may face huge risks if you make the wrong move.
Therefore, she did not aim too high, but planned to use mobile payment 2.0 as an entry point.
As long as this model is accepted by mainstream users.
WeChat can be accepted by more users.
And after this model has been proven to be safe and feasible.
Then both banks and users will have a higher degree of acceptance.
certainly.
No matter how.
User acceptance.
We still have to wait until the function comes online before we can draw a conclusion.
As for Linmu Studio, under the leadership of Mu Wanqing, the second business negotiation with the bank started again.
Because there was a foreshadowing before.
In addition, mobile payment has been making a lot of noise recently.
So the business negotiations 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.
Cash flow is really strong.
Several major online games are all produced by them, and there will be a wave of single-player games every few months.
Almost every model is a hit.
Now add YouMei...
Who wouldn't want such customers?
This even makes WeChat more reliable than other mobile payments.
After all, WeChat is backed by Linmu Studio.
but.
Regarding the ‘cartoon-like business’ proposed by Linmu Studio.
Banks are generally very surprised.
How can you still play like this!?
…
When Linmu Studio was conducting its 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 Linmu Studio’s own first-party applications or third-party applications from other developers, you can purchase them directly using WeChat!
in addition.
Because all Linmu Studio accounts are universal.
Therefore, WeChat payment is almost full of convenience in Linmu Studio’s ecosystem.
But... not many peers are paying attention to Linmu Studio’s WeChat payment.
After all, for competitors, how convenient is WeChat payment in their own ecosystem?
We don't have such a foundation.
There is absolutely no point in reference!
Instead of referring to the big dog WeChat, it is better to refer to Tianhu Pay.
They also have a weak foundation, but by continuously iterating payment methods and adding more functions, they have overtaken WeChat in a corner.
This is a role model, okay?
For example, Tianhu recently launched a cooperative card production model.
This stimulated a large number of competitors and made them sigh that they could still play like this!?
On the one hand, it can use its own traffic to allow banks to increase users and make them willing to cooperate.
On the one hand, it can also bind users' bank cards to their own mobile payments, cultivate habits, and give them convenience.
What a genius idea!
so.
Although Tianhu moves quickly.
But soon... other companies that entered this market in different forms began to follow suit.
This even directly set off a wave of cooperative cards.
And in the face of these third-party payment institutions that want to cooperate.
Mainstream commercial banks.
Basically, everyone is welcome.
Larger banks are more cautious, but are still willing to negotiate with large-scale enterprises like Tianhu.
After all, we usually have business transactions, and now mobile payment is booming again.
This does not affect the bank's core interests.
It can also add users to the bank.
Of course the bank is willing.
Even some commercial banks have taken the initiative to cooperate with mobile payment companies.
Because customers are their life!
And it is precisely because of this.
It's November.
There are more and more cooperation cards.
Every company that has entered mobile payment has launched similar cooperation cards.
And in this case, of course there will be competition.
soon.
Now in the mobile payment market, Tianhu, the de facto leader, has started a publicity war!
They invested a lot of resources and began to promote their cooperation cards on their own channels.
The game is of course the highlight.
‘When you apply for Tianhu Card and recharge, you will enjoy a 30% discount.’
This slogan.
Appeared in games of all sizes under Tianhu.
Their official game 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.
in addition.
They have also invested huge resources in banks.
Tianhu’s scale is not small either.
So the bank also gave me 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.
certainly.
Tianhu is not without opponents.
The two largest search engines in China are Jiaming Alliance.
During this period, I have thoroughly seen what third-party payment institutions can bring to the company.
We have also begun to pay attention to investment in this area.
It's not as simple as taking advantage of the wind.
Even the Jiaming Alliance.
Although I have reached a cooperation with Tianhu, after seeing the situation on WeChat, I thought that I also have the conditions of Linmu Studio.
They had already vaguely thought of kicking Tianhu away and doing it themselves.
on the one hand.
They want to make a mobile payment software similar to WeChat that can completely connect its ecosystem.
at the same time.
They also want to be like Tianhu, not limited to their own ecology, and suitable for more applications.
In short, I just want to become a leader in the field of mobile payment!
And want to realize such ambition.
Tianhu payment has become a stumbling block.
Therefore, their attitude towards Tianhu Pay has become cold during this period.
Not only that.
They have also joined the battlefield of cooperative card promotion.
They also have channels to announce it, and the number of users of Jiaming Alliance is there.
So they did it even better.
Directly through the existing Jiaming Alliance system, ads are pushed directly to all users using Jiaming Alliance mobile phones...
Except for these two.
The largest search engine in the country.
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 a piece of the pie.
And now.
Tianhu has found such a good model, and of course they are not willing to fall behind.
Their channels are bigger.
The largest search engine in the country is in their hands.
In order to promote the bank cards they cooperate with on their own mobile payment platform, they highlight ads directly at the top of all search results.
three companies.
During this time, the Eight Immortals crossed the sea and showed their magical powers.
Then, they jointly started the first war in the mobile payment market.
During this time.
Users can really see the news about cooperative cards wherever they go.
It’s everywhere…do you need a card?
Extremely exaggerated.
This has even become a hot topic...
"Damn it, they asked me if I should apply for a card when searching, if I should apply for a card when playing games, and they asked me if I should apply for a card while playing on my mobile phone... You are sick, I will do it for you!"
"It is indeed an exaggeration. Although I understand that the three companies are now seizing the mobile payment market, the experience is terrible..."
"You can use Future S1 to play games from Linmu Studio. They are still a pure land. [Eat melon]"
"It's true that Linmu Studio did not push relevant advertisements. In fact, the impact on the game level was minimal, but it can't stand that except for Linmu Studio's products, there are related promotions everywhere."
"Yeah, I would like to apply for a card, but it's really too much trouble. They push me ads every day, and I'm almost bored to death."
"Don't Linmu Studio also make mobile payments? Why don't they promote cards? I would like to apply for the card launched by Linmu Studio in cooperation with the bank. In fact, their games are much more attractive as cards than the Tianhu card.
, if that doesn’t work, you can just print Lin Yao on the card…”
"No, I don't want it. I'm really fed up with the bombardment of card applications. 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.
Lin Mu Studio has naturally become the pure land in their hearts.
This situation.
Of course the three parties currently competing also know this.
But knowing is knowing.
They don't plan to change it.
If you want to seize the market, high-frequency advertising bombardment is always one of the most effective methods.
Now mobile payment has clearly reached an important node.
No one wants to admit defeat or become the laggard.
At this moment.
For the sake of reputation, reducing advertising means giving the other two companies a chance.
Who would be so foolish as to do such a stupid thing, which would cost one thousand to oneself and one hundred to the enemy?
Only WeChat can do this.
Their good starting point was really wasted...
Yes.
Nowadays, the industry generally believes that WeChat is too conservative and cares about feathers.
"How many users are there who have bound cooperation cards now?"
Sky Fox.
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 six hundred thousand."
"So few?" Mou Feng frowned upon hearing this.
"Isn't this still a small amount?" Li Guangsheng said amusedly: "This is 600,000 users. Compared with us, the other two have 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 in publicity, but the efforts and gains are not equal at all..."
Li Guangsheng consoled him: "This is how we open up new markets, not to mention 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.
Didn't speak.
In fact, the first time I thought of ‘Tianhu Cartoon’ was when I cooperated with a bank to launch a bank card solution.
He is very excited.
Because the troublesome online banking payment situation was finally solved, Tianhu finally moved faster than WeChat.
but.
As the ‘Tianhu Cartoon’ project progresses.
The shortcomings are gradually revealed.
Although the cumbersome problems on the payment side have been solved.
But applying for a card is also troublesome...
Although it is troublesome once, users will benefit from it 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 but think.
This model, he was convinced, was definitely correct.
But there should be a better solution...
Li Guangsheng saw that Mou Feng was deep in thought and stopped disturbing him.
Mou Feng thought for a long time.
But I still haven't come up with a solution, and this is not something that can be found in a short time.
He could only shake his head and said helplessly: "Let's continue to push forward. I haven't thought of a better plan for the time being."
"Okay." Li Guangsheng stood up.
"By the way, WeChat..."
Mou Feng suddenly thought of something and called Li Guangsheng.
"They haven't stepped out of their comfort zone yet, and they don't want to make progress. We can't use them as a reference." Li Guangsheng shook his head.
"Um... that's right, then don't worry about them. Let's do our own thing and let them chase us!"
Mou Feng was stunned for a moment, and then he came to his senses.
This time I can't cross the river by feeling the stones...
This should be considered a good thing.
Mou Feng thought of this, smiled casually, stopped asking any more questions, and continued to think about how to solve the problems existing in the existing solution...
actually.
This is the difficulty for first movers.
Don’t think it’s as simple as Lin Yao saying ‘cartoon-like business’.
This is because she has experienced a similar future herself.
If you have no experience in this area, if you want to notice the "cartoon-like business" of banks and then think of mobile payments, you need to review and think repeatedly.
It took a long time for Zhifu Bao in his previous life to think of "cartoon-like business".
The same is true for 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 Linmu Studio's WeChat, especially WeChat's actions in banking, he will always receive some rumors.
After all, the bank is not a subsidiary of Linmu Studio.
but.
WeChat's "lack of progress" during this period has obviously made him lose patience.
picture.
Lin Mu Studio really seems to be content with the status quo and cherish feathers.
In addition, Tianhu is fighting back and forth with the other two families.
This makes it even more difficult to concentrate.
A certain moment.
Mou Feng even felt that Linmu Studio might be sitting on the mountain watching the tigers fight, and then trying to find a path that suits him...
So of course the attention is low.
As for banks.
Don't take the initiative to inquire.
Even if he realizes that the plan proposed by Linmu Studio is more reasonable than the three companies currently fighting, he will not take the initiative to bring it up.
Some banks even take the initiative to require staff to keep silent.
after all.
Launching bank cards together with the mobile payment platform will increase real users, without banks having to promote them themselves.
So opportunity.
Just before I knew it, I slipped away...
…
Mid-November.
The battle for mobile payment users between Tianhu, Jiaming Alliance, and search engines is intensifying.
The main banks they each 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 a cooperative bank card to apply for them.
certainly.
If you really have too much time, you can do all three...
But there are really very few such users.
Who has nothing to do to apply for three bank cards and deposit money and transfer money into them one by one?
This chapter is not finished yet, please click on the next page to continue reading the exciting content! You may have noticed this sign.
Therefore, the competition among the three companies for users has become even more crazy.
More and more resources are being invested.
I have to send people to ask users one by one whether they can apply for a card...
In order to seize users, the advertising bombardment like a mad dog has also made many users unbearable.
or.
Or pay via online banking?
Don't ask me to apply for a card!
Choose? What to choose! I choose WeChat!
At least they won't harass us!
Because of the bombardment of advertisements, many users actually started the topic "I will use WeChat if you force me again".
But this doesn't mean much.
Because WeChat is wallowing in its own ecosystem and has not joined the battlefield.
They are elsewhere and cannot be used.
Then everything you say is false.
Therefore, topics such as "If you push me again, I will use WeChat" did not make the three parties in the melee calm down, but made them even crazier.
WeChat eats and waits for death.
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 WeChat to wait for death and not react during this time to quickly determine the winner!
And time is like this.
November 23rd is slowly coming...
"Damn it! Why are you applying for a card again!"
this day.
An apartment.
Li Yu opened the search engine and just entered a video website, hoping to find a movie to eat.
But the search results pop up.
The most conspicuous.
Still applying for a card...
He was speechless.
In fact, he is one of the less affected groups. After all, he is a die-hard fan of Linmu Studio's games.
But I still feel unbearable.
Because it's so pervasive.
“If you push me again, I will choose WeChat!”
Li Yu looked at the screen, shook his head, and then complained that he had no intention of watching any movies.
He closed the page, then picked up the Future S1 next to him, ready to go shopping in the gaming circle.
Finished this lunch.
but.
Just as he was about to pick up the phone, he picked up the chopsticks with his other hand.
Ding dong.
A beep sounded.
At the same time, the phone vibrated slightly.
Li Yu was stunned for a moment, then pulled down the notification bar.
I found that the message was sent by WeChat.
He was a little curious and clicked it to take a look.
This is an announcement issued by the WeChat team for all WeChat users.
Click in.
Jump directly to the main text.
"Isn't this the same as applying for a card?"
Li Yu looked at the jump page and trembled.
but.
When the announcement came out, he immediately breathed a sigh of relief.
This is not an announcement for Amway users to apply for a card.
It is an update announcement for 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 found it quite strange.
What is this general notification to be updated?
He picked up the chopsticks again, then put rice into his mouth while reading the announcement.
But I just took a bite of rice.
He couldn't eat anymore.
Because of the first article of the announcement, he was stunned on the spot.
[WeChat payment welcomes a comprehensive update!]
[1. WeChat Pay has officially launched the cartoon mode. Users can bind their existing bank cards to WeChat accounts through contract signing and activate withholding payments. In the future, WeChat Pay users can directly initiate bank card payments through WeChat Pay.
Deduction! (For details of supporting banks, please see the attachment or detailed announcement)]
[Second, WeChat payment has 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.
The program integrates the interface into the website...]
Li Yu read the first two chapters completely.
He was stunned on the spot, and after a long time, he murmured: "Now... I really have to choose WeChat."
Time moves forward a little.
Sky Fox.
Mou Feng is checking information.
He is still thinking about whether there is a better alternative to the current cartoon plan.
but.
I never had any thoughts.
But just now, through his online banking page, he suddenly noticed a banking service called "Easy Pay".
Its function is to help users pay electricity and water bills.
See this business.
moment.
Countless thoughts exploded in Mou Feng's mind.
but.
He didn't have time to think clearly.
The cell phone at hand rang, interrupting him.
He looked at his phone impatiently and was about to turn it off and continue to organize his thoughts.
But as soon as he pressed the power off button, he saw that the notification was sent by WeChat...
Mou Feng's movements paused.
Then some bad thoughts came to my mind...
He hesitated for a moment, then picked up the phone.
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.
Extremely twisted.
There are three points of disbelief, two points of surprise, and five points of eating shit...an indescribable feeling of suffocation.
The next second.
Mou Feng dropped his phone and hugged his head.
All emotions.
All turned into one word.
"Grass!!!!!!!!!!!!"
at the same time.
Jiaming Alliance.
The largest search engine in the country.
Including major companies that have entered the mobile payment market in different forms.
The office building where they are located.
The same sound sounded from all of them.
"Grass!!!!!!!!!!!!"
And this also indicates.
The first battle of mobile payments.
This has come to an end.
later.
This battle is known as the most meaningless battle in the mobile payment market...