Rebirth 98, the rise started from ripping off Microsoft

Chapter 706 "Treasure Pavilion" Virtual Commodity Trading Website

Baiyun Commercial Bank is a neither big nor small bank in Guangdong Province.

It's not big because it's a small regional bank, and it's not even comparable to the big five banks.

It is not small because Baiyun Commercial Bank has more than 80 branches in Guangdong Province, covering the whole of Guangdong Province. Considering the current economic volume of Guangdong Province, it can be considered to be quite prosperous.

However, this kind of commercial bank has much more competitive pressure than the five major banks, and is responsible for its own profits and losses. It is essentially an investment company and plays the same game as Future Capital.

Lin Shuyi once again appeared in the office of President Luan Qinglindi.

"Oh, cousin, what do you think about the thing I told you a few days ago?"

Seeing this niece who came to drink tea in his office every now and then, Luan Qinglin felt a headache.

"I said Shuyi, this matter is a big one, why did you help an outsider drag your cousin into the water?"

Lin Shuyi said solemnly: "This is obviously a matter of cooperation and mutual benefit. Why do you call it pulling you into the water? You don't even think about it. It is a rare opportunity to cooperate with the richest man in Lu. I remember that there are several other companies in Guangdong Province. The commercial banks are all staring at you."

Luan Qinglin said with a look of embarrassment: "It is difficult because they are staring at me. You said that your matter has no such precedent in the whole country—there is no such precedent in the whole world. The risk is too high. If it does not succeed, Then am I going to be divided up by my competitors?"

Throughout history, reformers have rarely ended well.

It is quite possible to try and die.

If it is done well, it will be a pioneer, but if it is not done well, it will be a martyr.

This is so exciting.

Bank Sulai, on the other hand, pursues stability, and is only willing to add icing on the cake, never wanting to send charcoal in a timely manner.

Lin Shuyi encouraged and said: "Then you have to think about it this way. If you succeed, wouldn't you be able to make a lot of money? Wouldn't it be glorious to compare all your competitors and become the largest commercial bank in the country?" ? If you want to break through, you have to try bravely. If you shrink back, you will be thrown away by your opponent."

"Ah this..."

I have to say that the blueprint drawn by Lin Shuyi is indeed attractive, and Luan Qinglin is very tempted.

Lin Shuyi saw Luan Qinglin's heart moved, and said quickly: "Think about it, this is an opportunity to cooperate with Lu's richest man. You know that Lu's richest man? He has risen strongly in the past few years, and he is already worth tens of billions before he graduated from university. And In the past few years from his rise to the present, he has been smooth and undefeated. You have to believe in his ability. Otherwise, I will ask him to come back and talk to you, and it will not be too late for you to make a decision."

Although I am very worried about the risk, I have to say that no one can resist the reward.Luan Qinglin said: "Okay, let's talk about it when we meet."

Lin Shuyi called Lu Yiming.Lu Yiming heard that there was a bank willing to try cooperation, so he hurriedly flew to Baiyun City by private jet.

In the bank president's office, Lu Yiming met Luan Qinglin.

"President Luan, hello, I'm Lu Yiming."

Luan Qinglin said enthusiastically: "Mr. Lu, I have admired your name for a long time."

Lin Shuyi said to Lu Yiming, "This is my cousin."

"It turns out that there is still such a relationship."

"Mr. Lu, please sit down."

Luan Qinglin said: "Mr. Lu, Shuyi told me that you have obtained a financial license and want to cooperate with the bank. I wonder what kind of cooperation you plan to cooperate with?"

Lu Yiming said: "I made an online payment control called Alipay. Not long ago, I did a H-client attack and defense campaign. Whoever can break through my Alipay's defense system can take away the 100 million bonus."

Luan Qinglin smiled and said, "I've heard about this incident, and everyone in our circle was shocked at that time. To be honest, our banking system is not sure that it can withstand such a high-intensity attack."

Back then, when Jack Ma came up with this, he also shocked the industry. Since then, Alipay's security has become an instant hit and has been promoted smoothly.

Lu Yiming went on to say: "In my plan, the Alipay control will serve as a basis for the payment of all the companies I invest in. At the same time, I will also cooperate with other companies. Simply put, the Alipay system will be the same in the future. All companies invested by capital are deeply bound, especially companies such as Luming Mall, QQ and MM. These software have a large user base and often require transfer transactions or cash recharge services. The cooperation between our two parties is definitely a mutually beneficial situation. "

The Alipay security control is only the most inconspicuous and basic function in the Alipay system, and many people in later generations have ignored the existence of this thing.In the future, Alipay will also grow into a towering tree.

Of course, there is no need to tell Luan Qinglin and the others about these things.

Hearing that Alipay will be deeply bound to all companies invested by Future Capital, Luan Qinglin almost agreed directly.

Lu Yiming's Future Capital has invested in a large number of companies, especially Xia Guo's Internet companies, which basically have the shadow of Future Capital.

And for social software like QQ, the number of registered users has already broken through the [-] million mark!
Even if each account is only recharged with one dollar, that is 1 million yuan!

But to be able to achieve the position of president, in many cases, credit is not the most important thing, the most important thing is to seek stability-not to seek merit, but to seek no fault, so Luan Qinglin still did not express his position on the spot, but tentatively said: "These It’s all groundbreaking.”

Lu Yiming smiled and said: "Actually, my Alipay is not the first one. There is already a similar Internet financial business in the beautiful country, and this company will be listed soon. It is currently valued at 28 billion US dollars. This company is called PayPal."

Today's PayPal is only used in the western world, and it is still a startup, so most people have never heard of it.When Luan Qinglin heard that there were already similar companies in the world, he breathed a sigh of relief for no reason. He always felt that if he followed the path that others had already walked, his worries would be inexplicably much less.

"The company will go public soon, with a valuation of $28 billion? How do you know so well?"

Lu Yiming smiled and said, "Because I am the largest shareholder of this company, owning 20.00% of the company's shares."

After hearing this, Luan Qinglin couldn't help but gasp.

Is this so-called Alipay already a second-generation product?

If the PayPal thing is true, then the payment software is really promising!

This is something that has been verified by the western market!
If it can become the first family in the Xia Kingdom, then...

Thinking of this, Luan Qinglin couldn't help feeling hot, as if seeing the grand occasion of Baiyun Commercial Bank invincible and crushing opponents.

Various thoughts circled in my mind, and Luan Qinglin said: "Mr. Lu is the richest man in Asia, and today he came to discuss cooperation with us in person, which made me feel your deep sincerity. I am very grateful to you. It’s a great honor to be able to work with you.”

Luan Qinglin agreed to cooperate.After all, with a successful precedent, the risk is much smaller, and you can still have a good relationship with a rich man like Lu Yiming, why not do it?

Lu Yiming stood up and shook hands with Luan Qinglin, saying, "It's a pleasant cooperation."

"Pleasant to work with."

After successfully finalizing the cooperation, Lu Yiming was in a very good mood.After this link is opened, all systems can be launched immediately.

Later, Lu Yiming reminded: "I think, in July, you can buy PayPal's stock appropriately, and there should be surprises."

Whether it was Luan Qinglin or Lin Shuyi, they all immediately recognized the meaning behind Lu Yiming's words.

Isn't this equivalent to giving kickbacks?
The key is that this money is much cleaner than kickbacks.

Luan Qinglin said to Lin Shuyi: "When we met today, I realized that Mr. Lu is really particular about his work. No wonder he became the richest man at a young age. He really has a style and is generous enough."

Lin Shuyi smiled and said: "That's for sure, how about I can cooperate with him?"

Lu Yiming said impatiently: "Then, let's study the details of the cooperation?"

"it is good."

A week later, the "Zhenbao Pavilion" virtual commodity trading website was officially launched.

All registered users can use cash to purchase virtual goods such as game accounts, game equipment, and game currency here.

All transactions are supported by Alipay control to provide a safe environment, and the website also supports the function of paying in advance, so that both buyers and sellers can feel at ease and completely eliminate the occurrence of game scammers.

On this day, Lu Yiping took his mobile phone, entered the verification code on the computer screen, and clicked the registration button.Seeing the words "Successful Registration" appear on the screen, he said to Xiao Qinghe next to him, "Registration is successful, you can open a store here."

As one of the largest studios in "Legend of Hot Blood", their "Heping Studio" has a very high reputation in "Legend of Hot Blood".

There are dozens of professional players under the studio, and they provide services such as upgrading with gold masters, selling top-quality equipment and martial arts cheats every day, and the revenue is very considerable.

The two have been very cautious, basically only accepting offline transactions.Make an appointment with the buyer in the game, and then meet in person to make a face-to-face transaction.

But it's too troublesome to do so, and many customers are from other cities or even other provinces, so we can't run around in the future, right?
So when the network attack and defense battle between the virtual mall and the Alipay system was over, and Yixun Technology spent more than a month to finally prove its own strength to ensure the absolute security of bank transfers, Xiao Qinghe and Lu Yiping were moved.

Online transactions are much more convenient than offline transactions, and there is also an auction function. Some top-quality equipment can allow local tyrants from all over the country to compete with each other and bid for higher prices.

Xiao Qinghe said: "To open a store, you need to open an account at Baiyun Commercial Bank. You can go to their official website and look. It is said that they have launched a special 'Alipay' bank card, which is in cooperation with Alipay."

As the only partner of Baiyun Commercial Bank, the benefits are naturally here. Anyone who wants the Alipay function must open an account with Baiyun Commercial Bank.

For non-Baiyun Commercial Bank users, the bank account cannot be bound to Alipay, and the payment procedure is very troublesome. You have to go to the bank counter to transfer the money in person.

The two came to the nearby Baiyun Commercial Bank branch, but found that it was crowded with people who came to open an account, many of whom were players of "Legend of Blood".

Now in addition to buying game equipment, the virtual mall can also buy game point cards. The 35 yuan point card can be bought online, only 31.5 yuan, a [-]% discount!
In order to save the 3 yuan and 5 cents, many people would rather come to Baiyun Commercial Bank and queue for several hours.

Not only "Hot Blood Legend" players, but also many QQ users came to open an account, because Yixun Technology provides many paid services, and they have to recharge every month, and use Alipay to recharge, you can get a [-]% discount!
Baiyun Commercial Bank, in the president's office, Luan Qinglin couldn't help laughing while watching the chat content in the business QQ group.

The newly launched Alipay card is very popular. Although many people apply for the card in order to handle various businesses at a discount, but if they want to do business, they have to recharge the card. This is a large base, and the money deposited in the bank is of course That's not a lot.Not to mention those rich players and studios, in order to trade in the Treasure Pavilion, they deposited a large amount of money in advance.

This matter spread quickly, and the banks that rejected Lu Yiming are now full of regret.

The number of players of "Hot Blood Legend" is approaching 50, and these 50 users can spend money to play the game, and they are not poor in themselves. Most of them are high-quality customers, especially those who often spend tens of thousands of 10,000+ to buy equipment The local rich players are even big savers.

All of a sudden, various banks took the initiative to approach him, wanting to cooperate with Lu Yiming.

When Lu Yiming called Lin Shuyi on the phone, he said: "These people are all cheap. Back then, they ignored me, but now, I want them to be too high!"

Hearing Lu Yiming's wry laughter, Lin Shuyi was speechless.

What is a small belly chicken intestine?

What does it mean to retaliate?

This is!
"Then do you still want to work with them?"

Lu Yiming sighed, and said: "Cooperation is definitely necessary, but the conditions promised at the beginning have to be lowered, and they must know that now it is not the same as before."

At the beginning, they rejected Lu Yiming one by one, but now seeing Baiyun Commercial Bank eating meat, they thought they would also come here to pick up free food. How can there be such a good thing in the world?
Any discounts for depositors will be cancelled.

Treat it differently, this is the reward for the first person to eat crabs.

If the treatment of future generations is the same as before, who is willing to take risks?
Baiyun City, the headquarters of Luming Mall.

There are still many Internet companies engaged in e-commerce these days. In addition to Alibaba and 8848, there are also Meishang.com, Joyo.com and Ali, as well as a lot of miscellaneous companies that can't make a splash and die.

The joining of Wang Juntao finally allowed Lu Yiming to find someone who could help him carry the banner of e-commerce.

Today is the official opening day of Luming Mall.After attending the opening ceremony, Lu Yiming patted Wang Juntao on the shoulder, and said to him with a look of support, "Lao Rong, I will leave Luming Mall to you."

Such an unserious boss, Wang Juntao was also relieved a lot while complaining in his heart.

Although he agreed to join, he still felt sorry for the one who founded 8848 and was kicked out of the decision-making layer. Now that he has confirmed that his investor is a shopkeeper, he feels a little relieved.

"Well, I'll do my best."

Later, he said to Lu Yiming: "Mr. Lu, e-commerce is still a new thing, but the main direction of the entire industry has been determined. There are three main paths - business-to-business B2B, business-to-customer B2C, customer-to-customer C2C."

And Lu Yiming has already selected a model for Luming Mall: B2C.

That is, the Jingdong of later generations.

Wang Juntao said: "B2C has a lot of heavy asset investment, and the cost is very high. But the construction of the logistics system must be getting higher and higher. Just buying warehouses in various places will cost a lot of money."

It is actually the easiest way to follow the path of Papa Ma and engage in C2C, because the cost is low and it is suitable for light travel.

But Lu Yiming knew that real estate is a big pit, if you don't buy land or real estate now, when you want to buy it in the future, the price will be skyrocketing.

So Lu Yiming did some calculations in his mind, and it's not hard to come to a conclusion—starting to engage in B2C now is definitely a business that can make a profit without losing money, so he can invest in real estate as well as e-commerce.

"Investment, there will be returns in the future. Spend more money now, and worry about it in the future. Earn slowly, and you can always get back your money. And the warehouses you bought are all assets, and the money is not wasted. In this way, I first Grant you [-] million, and you build the framework for me."

Wang Juntao was overjoyed to be so rich and powerful, and his entrepreneurial ambition returned.

"Okay, Mr. Lu!"

Lu Yiming was about to say something when his phone rang. He took out his phone and pressed the answer button.

"Hey?"

On the other end of the phone, Jiang Rongfa's urgent voice came: "Mr. Lu, an hour ago, the server of "Hot Blood Legend" was hacked. The game has been shut down for maintenance, and now the maintenance team is urgently repairing it."

"Is there such a thing? Let me see."

The game server was hacked, this is a new thing, Lu Yiming directly turned on the computer in the office, and just logged in to QQ, Wang Yubing complained in the group: "I caught him, the IP address is here, your broken game There are too many loopholes, and it will be a matter of time before they are attacked.”

The well-known hacker "Gu Jian" on the Internet has now officially joined Yixun Technology and has become the company's chief security expert.He is not only responsible for the network security of Yixun Technology and Luming Mall, but also the firewall of Junzi Huyu, and now he is also in charge of his team.

Lu Yiming directly sent a speechless expression: "If you find a loophole, you will fill it up."

Wang Yubing said: "I'm not free, I'm busy. I've already helped them find it, but I still need to do it myself? Then what's the use of them?"

He is really not free now.

But it's not because of the company.

It turned out that just a few days ago, the people from the small island country next door were making trouble again.A group of officials went to pay homage to the toilet, so the H customers here launched a flag-planting campaign, and Wang Yubing is having a great time now.

Seeing Wang Yubing's arrogant speech in the group, Jiang Rongfa fell silent.

Is the technical bull talking like this?
(End of this chapter)