Rebirth 98, the rise started from ripping off Microsoft

Chapter 703 If the bank does not change, change the bank

"If you don't do this, you'll get into trouble!"

Lu Yiming said seriously: "Ordinary players who follow the rules will not do this kind of thing themselves, and those players who do things will harm the interests of other players, so they must be banned. You don't want to be cheated by others when you are playing games? While liars hate liars, aren’t they also destroying their goodwill towards the game?”

Jiang Rongfa thought for a while and said, "That is indeed the case. Then I will immediately draft a game announcement to crack down on cheaters."

But Lu Yiming knows that this is a temporary solution, not the root cause. After all, there are various ways of deception. If someone deceives you about a piece of top-quality equipment, as long as you sell it in time, what if you are titled?

The way to get rid of the bottom line is to standardize the transaction process of virtual equipment and come forward as an official guarantee to make the transaction safe and reliable.

Lu Yiming told Jiang Rongfa about this matter. Just as Jiang Rongfa was about to leave, he suddenly felt a little embarrassed: "Yes, the title is only a temporary solution, not the root cause. The key is to establish a standardized transaction process."

Lu Yiming said: "If you ask someone to develop a website, you can learn from the current Ahri and build a platform for online game item transactions. Not only the games under our Junzi Huyu, but any game can be on this platform Make a transaction. The core principle is that buyers and sellers post things on our website, and the website acts as a transfer station. After one party pays, the money is frozen on the platform until the other party completes the transaction. And vice versa.”

Guaranteed by the platform, so as to effectively prevent fraud.

And most importantly, this trading platform can be used as a pilot. First, only virtual items in the game will be traded, and experience will be accumulated to solve technical problems. Afterwards, the scale will be expanded and merged into Luming Mall, and a virtual transaction will be listed separately. The block comes out.

In fact, what Lu Yiming wants to do is 5173 for later generations, but 5173 was launched in November 2003, and there is still more than a year for Junzi Huyu to cut off the Hu.

To put it bluntly, the principle is very simple, isn't this the current online shopping?It's just that the merchandise is a game item.Jiang Rongfa admired the endless ideas in Lu Yiming's mind.

However, he still has some doubts: "Then how can we ensure the safety of both parties' property?"

Nowadays, even credit cards may be stolen, and online shopping is even more troublesome. For users, account security is the top priority.

Lu Yiming said: "We can join the verification code system."

"Verification code system?"

Jiang Rongfa was a little confused, not knowing what Lu Yiming was talking about.

The word verification code was first proposed in 2002 by Louis von Ahn of Carnegie Mellon University and others.

Well, there is no such concept in the world yet.

Lu Yiming said: "Yes, the so-called verification code system means that after registering an account on our platform, every time you log in, a string will be generated by a system formula and automatically sent to the mobile phone that was bound when the account was registered. Users must Only by filling in the string we sent in the specific dialog box can we successfully log in to the website. As for the intermediary, I plan to enable Alipay. This is a payment control developed by Yixun Technology, and it should be completed soon. Integrate this thing Entering the backend of the webpage, using a two-pronged approach, with the current technology, the risk of theft can basically be eliminated."

Alipay is a task that Lu Yiming entrusted to Zhang Xiaolong early on. The principle and function realization are clearly written in the product book by Lu Yiming.When Lu Yiming asked Zhang Xiaolong some time ago, Zhang Xiaolong said that it had already begun to take shape.It just so happens that the functions and reliability of the Alipay system are verified and improved with the help of the virtual trading platform and the Luming Mall.

Anyway, Xiao Ma is still busy building his Ali now. Even Taobao will be launched in 2003, and the Alipay system will be even later. Lu Yiming believes that if he comes up with the Alipay system now, Jack Ma will definitely not have any objections—— At that time, we can also use the improved Alipay system to cooperate with Ali, which is perfect.

In addition to software development, the virtual mall also needs to get through the relationship with the bank. After all, the circulation of money must go through bank accounts.

"I still need to enable the payment control? It's not necessary, isn't the previous point card recharge system very easy to use?"

Jiang Rongfa didn't understand. In his opinion, the functions of the two seemed to be duplicated.

Lu Yiming said firmly: "Payment software is definitely needed. The previous top-up system has too many shortcomings, and it is very troublesome to use. It is not convenient at all. Moreover, this software is very useful and can change the bank. "

While speaking, Lu Yiming had already written the preliminary conception document of the verification code system and sent it to Jiang Rongfa.

At the same time, Lu Yiming thought in his heart, he could apply for a patent for this thing, and when the smart phone is used, it can collect a lot of money.

Lu Yiming didn't have the idea of ​​applying for a patent for some useless or not particularly profitable things, so he used them as soon as he used them.But for those things that can change the industry structure and even the world rules, Lu Yiming has applied for patents for all of them.Not to mention whether these things will be used to make money in the future, at least not let others use them to apply for a patent and then come to jam his neck.

After chatting with Jiang Rongfa, Lu Yiming called Xu Wentao again.

"Secretary Xu, how are you doing these days?"

Xu Wentao said politely: "Thanks to you, it's pretty good."

Lu Yiming smiled and said, "Let me tell you something."

"Well, you said."

"I plan to get a financial license, do you have any concerns on your side?"

"You want to get a financial license?"

The expression on Xu Wentao's face disappeared, and his tone was full of surprise.

The financial industry occupies a unique position in the national economy, and any state regime will attach great importance to the establishment and supervision of financial institutions.

In my country, the issuance of financial licenses has corresponding laws and regulations.

Under normal circumstances, laws and regulations will specify the naming characteristics, capital funds, shareholder background, corporate governance and operating structure of financial institutions and other requirements or conditions.

The establishment, modification or termination of my country's financial institutions are reviewed and approved by the People's Bank of China, the Banking and Insurance Regulatory Commission, the China Securities Regulatory Commission and the Ministry of Commerce and other competent departments, as well as mid-term supervision.

Therefore, the subject who has been granted a license has actually obtained the ability and strength to represent an officially recognized business or to engage in certain business activities, which is also the threshold for employment brought by the so-called license.

Money is easy to get, but licenses are hard to find.Financial licenses have always been strictly controlled and are the focus of competition among various institutions.

Lu Yiming didn't shy away from it, and directly told Xu Wentao about "Legend of Hot Blood" players being easily deceived when trading, and also talked about the idea of ​​building a trading platform.To make this trading platform legal, it must have a financial license.

This is also the reason why many websites in later generations directly access the Alipay system, because they do not have a payment license, so they can only borrow Alipay.

If someone else came to mention this matter to Xu Wentao, Xu Wentao would definitely hang up without saying a word.

With a payment license, what can you do?

To exaggerate, you can open a bank!
Open a bank!
Think about it, what happens when a capitalist opens a bank?
As long as it works well, it is a perpetual motion machine with empty hands and white wolves!

"Mr. Lu, I have to say, is it a bit of a big deal for you to make such a big battle for an online game player not to be cheated, and even get a payment license? There has never been such a precedent before. "

Lu Yiming smiled and said: "It's right that there is no such precedent. I like to do things that no one else has done. Games are just the most inconspicuous part of it. You know, I am now engaged in e-commerce, Luming Mall. This thing In the future, I envisage that it will bring employment to millions of people. Without this financial payment license, I can’t do it.”

"Driving millions of jobs?"

When Xu Wentao heard this, his first reaction was not to believe it.

What size company can accommodate 100 million employees?
Of course, there are not companies with more than 100 million employees in the world, but without exception, they are the most famous companies in the world.

As a local official, the employment rate is a very important indicator.So Lu Yiming's words moved Xu Wentao a little.

"Is what you said true?"

Lu Yiming said without hesitation: "Of course it is true. When did I tell a lie?"

"Ok."

Xu Wentao thought for a while, and decided to stand by Lu Yiming: "I can fight for you and help you apply for a financial license. But whether you can get it or not depends mainly on you. Also, this payment software must be absolutely Be safe, otherwise, if something happens, no one will be able to handle it."

Lu Yiming made a promise and said: "Don't worry about this, there is absolutely no problem in terms of safety, if something goes wrong, I will accept the compensation!"

With Xu Wentao's strong support and Lu Yiming's identity as the richest man in Asia, the application for a financial license went very smoothly, and the subject of the application was "Alipay Network Technology Co., Ltd."

There are ready-made templates here, of course Lu Yiming will not change them blindly.As an independent operating entity, Alipay holds a payment license.Luming Mall and the future virtual trading platform or other company entities all exist as partners of Alipay.

Back then, Jack Ma really "suffered humiliation" in order to obtain a financial license, which was far less smooth than Lu Yiming.

Probably because there is no endorsement from Lu Yiming, the richest man in Asia.

But it doesn't matter.

Now that Lu Yiming has obtained Alipay's financial license, Jack Ma doesn't have to suffer humiliation.

After obtaining the financial license, it is time to connect with the bank.

But in the process, Lu Yiming hit a wall.

In the entire Zhonghai, no bank is willing to cooperate with him!
Although he has a financial license, the money is still in the bank after all. The key is that no one dares to take this responsibility now, and they are all afraid that if something happens, they will be unlucky.

After turning around in a circle, Lu Yiming's nose got ashamed.

He had a preliminary taste of the humiliation that Jack Ma suffered back then. No wonder this guy yelled "if the bank doesn't change, I will change the bank".

After thinking about it, Lu Yiming remembered a person.

He took out his mobile phone and called Lin Shuyi.

"Miss Lin, you're doing well these days."

Suddenly receiving a call from Lu Yiming, Lin Shuyi couldn't help smiling, and teased, "Hey, isn't this the richest man in Lu? The richest man in Lu has so many things to do every day, why do you have time to call me today?"

"Hey, it's just busy work."

Lu Yiming said helplessly: "I want to ask you to do me a favor."

"You are the richest man in Asia, and you still need my help? I don't believe it."

Lu Yiming said: "The ruler is short and the inch is long. The richest man in Asia is a fart. I think that only you can help me with this matter."

Hearing what Lu Yiming said, Lin Shuyi felt a little complacent, and said, "Oh? When did I become so important? Tell me, what is it?"

Lu Yiming said: "It's a long story. Some time ago, someone responded to me, saying that fraudulent activities often occurred in my game "Legend of Blood", which had a very bad impact on the reputation of the game, so I developed I bought a game trading platform and payment system, and got a financial license issued by the relevant department. I approached the bank in Zhonghai, but they didn't cooperate with me. I just want to see if you can come forward to help me in Baiyun City Let’s find out if there is any bank that is willing to cooperate.”

After hearing the ins and outs of the matter, Lin Shuyi couldn't help but exclaimed: "You are making a big deal out of a molehill, right? You set up a financial system just because of such trivial things as cheating gold coins in the game?"

Lu Yiming didn't explain much, but said: "Who gave me a free time? Just say if you would like to do me this favor."

Nowadays, the interests of Lu Yiming and Lin Shuyi can be regarded as deeply tied.Lu Yiming became a shareholder of the Lin family's property, and Lin Shuyi also benefited from the cooperation with Lu Yiming.Although Lin Shuyi said that Lu Yiming made a fuss out of a molehill, she was very clear about Lu Yiming's temperament, and she was willing to work hard to do so many things, and there must be huge benefits in the future.

Thinking of this, Lin Shuyi said, "It's not impossible to ask for my help. How are you going to thank me?"

Lu Yiming said, "I'll treat you to dinner when I return to Baiyun City?"

Lin Shuyi curled her lips, and spat: "You have a good idea, and you want to send me away after a meal? Aren't you working on that Luming Mall? I'm very optimistic about that, and our Lin family wants to take a stake."

Lu Yiming was surprised and said: "I asked you to invest in Jack Ma before, but you didn't invest, and you said he was a liar. The model of Luming Mall is the same as what he said."

Lin Shuyi was very straightforward and said, "I don't trust him, but I trust you."

"Okay, as long as you're happy."

Lu Yiming thought for a while, and then agreed. Anyway, Luming Mall's asset-heavy investment model, the more start-up capital, the better.

A few days later, Lin Shuyi, who Lu Yiming placed high hopes on, tried hard, but the result was still nothing.

It can be said that she spent a lot of effort, but she couldn't negotiate with a bank.

Everyone was in a hurry, especially Lin Shuyi, the main person in charge of this matter. Her competitive character could not accept this kind of failure.

She even went directly to Lu Yiming's office during a business trip to Zhonghai.

When I went to the office, I saw that Lu Yiming was holding a copy of "Historical Records" and was reading it with great interest, so he immediately became angry.

"Hey, you guy, I'm busy with you here, do you still have time to read here?"

Lu Yiming and Lin Shuyi came over, closed the book slowly, and said convincingly: "I can't eat hot tofu in a hurry, and it's not bad whether I read or not."

Lin Shuyi saw that Lu Yiming was not in a hurry, she frowned slightly, and asked, "Look at you, have you figured out a way?"

Lu Yiming handed the book in his hand to Lin Shuyi, and said, "Read more history books when you have time. How many heroes' ingenious ideas and tricks have been written on it for 5000 years?"

"What do you mean?"

Lin Shuyi was puzzled. Although she was an excellent student of returnees, she really didn't calm down to read classics like Shi Ji.

Lu Yiming smiled and said, "In Qin Benji and the biography of Shang Jun, there is a very interesting story about Yimu Lixin, right? It was said that when Shang Yang reformed the law, Wei Yang was afraid that the common people would not believe that his law could do what he said, so he A three-foot-long wooden pole was erected at the south gate of the Guodu market, and ten yi gold would be rewarded to recruit people who could move to the north gate. The people were surprised by this, and no one dared to move the wooden pole. Wei Yang again An order was announced that anyone who could move it would be rewarded with fifty yi of gold. If a person moved a wooden pole to the north gate, he would be rewarded with fifty yi of gold immediately to show that there was no fraud.”

After listening, Lin Shuyi asked, "So what? Will it help us solve our current troubles?"

Lu Yiming sighed and said, "Well, this is still a high-achieving student? Yimu Lixin's story tells us that the fastest way to establish authority and gain recognition is to spend money."

Lin Shuyi: "..."

Lu Yiming explained: "I plan to offer a reward. I put 100 million yuan in my Alipay account. Whoever can transfer the 100 million yuan will be given to him as a bonus. And I can also let him go to Alipay came to be a senior engineer."

Lin Shuyi said: "What if there is a fatal loophole in Alipay? Then the 100 million was taken away?"

"It's only 100 million. If I change to a skilled senior engineer, can I earn money? Don't be so short-sighted. Even if the defense mechanism we designed is broken, then improve it, and then take 100 million to offer a reward. We You have to show confidence and courage. Only in this way can you win the trust of others. If you break through again, you will get another 100 million. Doesn’t this mean that I know how many computer experts in the world? When the time comes, I will recruit all of them to the company. Isn’t this better than finding a needle in a haystack? I have a shortage of highly skilled people.”

"That's okay too?"

Lin Shuyi was stunned by Lu Yiming's brain circuit.

It only takes a mere few million, but it counts everyone as dead. It really doesn't hurt at all.

No wonder someone called Lu Yiming a "big profiteer" in private.

(End of this chapter)