Rebirth starts from e-commerce

Chapter 431 Meal Card
The bad guys got punished.

Another internet frenzy.

Both ordinary netizens and opinion leaders came out to celebrate their victory.

Only a few people vaguely know that these related parties have made a common mistake, that is, not long ago, they participated in the siege of Luo Xiu and Fantuan Payment.

This let them know that Luo Xiu is also a tiger that can bite.

It's just that he puts away his minions most of the time, making people mistakenly think that he is just a big cat who only makes a living by being cute and rolling.

Now, the big cat briefly showed its claws, sending chills to many people.

Many media who also received the money and received the mission, but have not had time to launch an offensive, are secretly glad that they did not act.

At the same time, let him always remember, don't mess with this big cat.

And those who wanted to smash the mobile payment cake finally realized that it was a cake made of cement.

Especially after cooperating with China Merchants Bank, backed by state-owned capital and Shencheng Zhengfu, it is no longer something they can move.

Now that the market is not broken, they can only act in advance, speed up their pace, and launch their own mobile payment.

However, what caught them off guard was that the big cat, which had recovered its cute and rolling nature, made new moves.

Luo Xiu posted a Weibo on the Internet: [Fantuan Payment and China Merchants Bank jointly send money to everyone. From now until the 30th of this month, use Fantuan to bind China Merchants Bank credit card to scan the code to spend, and you will get five yuan off immediately when you spend ten yuan. One limit per day. 】

This microblog immediately attracted a lot of applause.

"Luoxiu is a good man!"

"Boss Luo is generous, I wish Boss Luo a fortune!"

"As soon as I went online, I saw Mr. Luo sending out money. Sure enough, it was right to pay attention to Mr. Luo's Weibo."

"What if I don't have a China Merchants Bank credit card? I applied for it last time, but it didn't pass. Am I too poor?"

"I don't have China Merchants Bank, can I bind other bank cards?"

……

Luo Xiu soon posted another Weibo:
[I noticed that many fans mentioned that there is no China Merchants Bank credit card and they cannot enjoy this welfare event. I have communicated with the leaders of China Merchants Bank. They are willing to pay through rice balls and open a credit card that can only be used for rice balls. As long as you are in Fantuan has a good consumption record, and can apply for opening online.

This card has no physical object, so its name is "meal card".You can use the "meal card" to order takeaways, buy goods, and pay by scanning codes offline, which works just like ordinary credit cards. 】

Obviously, the "meal card" is equivalent to the "Huabei" that Ali has not yet released.

Now Luoxiu has cooperated with China Merchants Bank to launch the online version of the credit card in advance to further seize the market.

China Merchants Bank itself has a complete credit system in this industry. With their help, it is enough to help Fantuan Payment clear the last obstacle and make the meal card available in advance.

At the same time, Luoxiu can also leave some overdue collection work to China Merchants Bank and let their service personnel handle it.

However, there is a credit evaluation system online, and the bad debt rate is much lower than that of traditional bank credit cards, which is why Huabei is so popular.

As for Borrowing, which is more profitable than Huabei, Luo Xiu decided to stabilize it first, and not rush to launch it together.

The risk of launching it now is also very high.

First find out the credit status of a large number of users through the meal card, so that the system can evaluate which users can get a higher loan amount, and which ones will not be opened directly.

Most of the users who use online payment are young people or students.

Many of them do not have credit cards, and they are very curious about the new "function" of "meal card", which is to consume first and repay after a month.

When they actually went to the grocery store and used this virtual meal card to buy something worth ten yuan and got five yuan off, they were so happy.

And this activity lasted for nearly ten days, which meant that they could earn five yuan every day.

Under Luo Xiu's Weibo, there were a lot of comments about meritorious deeds:

"Thank you boss for sending the money, can the boss postpone the event for a few days!"

"It just so happened that the living expenses were gone. Mr. Luo gave me 1000 quota. I will spend it first, and I will pay it back when I get the living expenses next month."

"I have a quota of 5000, isn't that too much?"

"Why do I only have a quota of 500, Mr. Luo, do you discriminate against us poor people?"

"It seems that people who often use rice balls to buy things will have a higher quota, otherwise there will only be a quota of 500."

"I just want to ask, can I not pay back the money after I delete the app?"

……

At the same time, all such activities may be exploited.

Some students deliberately applied for a merchant code, and asked their classmates to download and install Fantuan, scan his code to pay 10 yuan, actually deduct 5 yuan, and then return 8 yuan to the students.

It is equivalent to earning 3 yuan for others, while he earns 2 yuan for himself.

This kind of money-making efficiency is not high. He found 1000 people to scan his QR code and only earned 2000 yuan, but for a student, this kind of cost-free business is not bad.

Since Luo Xiu is engaged in this kind of activity, of course he also knows that someone will take advantage of this loophole to make money from him.

He can even get the police to arrest people on the grounds of unjust enrichment.

But instead of doing that, he chose to turn a blind eye.

Because at this stage, these students who use loopholes to make money are actually helping to promote this event.

At least he let more students download this app, and at the same time let more people know that you can get 10 yuan off when you spend 5 yuan on shopping through this app.

However, some merchants do not support rice ball payment, so the students turned around and went to the next one to buy.

This also prompted merchants to take the initiative to print the QR code for rice ball payment and open the rice ball card to collect payment.

……

The emergence of "meal card" has dumbfounded many institutions that are preparing to launch mobile payment.

I haven't started running yet, you've already run the second lap?

What is this Luoxiu brain made of?How can you come up with so many ghost ideas?
Especially Lao Ma, who is far away in Xihang, after reading the relevant information of the meal card, he was so excited that he slapped his thigh: This product is so good, why didn’t I think of it?
(End of this chapter)