Kong Lingyu has been busy recently, since he came to Yanjing, he has not been idle for a moment, because this time he came to Yanjing, his responsibilities are much more than when he was in Jinling, in Jinling he has to manage a technical team, leading everyone to do development according to Li Mu's requirements, but now, he is playing the role of the general manager of Muye Technology, all of a sudden, many things need him to pay attention to, to understand and even to operate.

Fortunately, thanks to Lin Qingya's help, he was able to be orderly in the chaos and not be messed up by many complicated things.

On Saturday, Kong Lingyu just finished docking with Baidu's technical staff on the Internet, and the daily maintenance of 3321 will be transferred to Baidu in the future, and he can reduce the matter at hand. Although Lin Qingya has planned a new department structure, the company is still in a state of urgent shortage of talents, and these problems must be solved quickly, so that Makino Technology can really get on the right track.

On Sunday, Kong Lingyu originally planned to sort out the performance appraisal plan at home, but Li Mu called and said, "Come to Yucheng Garden, I have something to talk to you about." ”

As soon as Kong Lingyu heard his tone, he guessed that there must be a new task coming down, although he felt miserable in his heart, but there was that kind of pilgrimage-like anticipation and excitement in his bones.

He has long regarded Li Mu as his only lighthouse in the Internet world and the only guide on his career path, so he has been looking forward to what new things Li Mu can open his eyes to.

So he brought his laptop with him. I took a taxi to Yucheng Garden.

In Li Mu's living room. For the first time, he heard Li Mu say the blueprint of "Alipay".

Kong Lingyu's first impression was that he felt that this blueprint was not too big. It's just a means of online payment, and now the viscosity of 3321 is so high, it has almost become a strong demand for students' parents, in this case, even if the current payment is troublesome, they will not have any complaints, even if there are real complaints, it will not affect their payment actions. So at the moment, it seems that it is a bit of a fuss to concentrate so much energy on making an online payment platform.

Li Mu didn't blame him for not having enough vision.

In fact, telling Alipay's most basic payment mode to any Internet person now is estimated not to get much attention.

Nowadays, no company will be interested in this kind of online payment platform, because there is almost no demand for online shopping on the Internet, and the vast majority of Internet consumption behavior is still virtual products of online games, such as point cards.

But. Online game companies have long developed offline payment channels, and online payment is for them. The attraction is not very strong, and they don't put a lot of effort into making such a thing.

Even Mr. Ma, the founder of Alipay, will not go beyond the e-commerce itself at the moment to see the development prospects of Alipay, not to mention, Alipay's early positioning is just a tool to enhance the trust of Taobao users.

Li Mu can't tell him that the payment platform is just a means of gathering users and bundling user habits, and in the future, he wants to let nearly half of the capital flow on the Internet go through Alipay, and he also wants Alipay to match a huge e-commerce platform, such as Taobao; and even he will become a major shareholder of JD.com before it becomes bigger, and finally make Alipay a super financial platform with huge capital precipitation.

Even Li Mu himself didn't dare to guarantee that if he made Alipay by himself, he could really make Alipay, thinking that this kind of thing had too many things to consider and scruples, and it was too easy to be controlled by policies.

After Kong Lingyu saw Li Mu's product framework, he was also a little worried and said: "These are all wishful thinking on our part, if the bank is not willing to open up this interface for us, everything we do will be in vain." ”

Li Mu nodded: "Is there anything else, continue." ”

Kong Lingyu said: "I don't know what to say, you are the boss after all, and although many of your past things are unlikely in my opinion, but the success again and again also gives me absolute information about you, however, this time it seems to be a little different, compared with the bank, the volume is too small, I suspect that it is not the model of Alipay, but the links that Alipay needs to get through." ”

Li Mu smiled slightly and said: "You are right, if you compare Muye Technology with the banking system, it is basically equivalent to the difference between sesame and watermelon, not to mention the four major banks, even if it is other joint-stock commercial banks, we are far inferior to others." ”

Hearing this, Kong Lingyu also frowned, yes, how to establish cooperation with the bank?

At this time, Li Mu's words changed, with seven points of confidence and three points of abuse between his eyebrows, and he asked rhetorically: "It's just, let me ask you a question, why do we have to deal with the entire banking system?"

Kong Lingyu was dumbfounded: "What do you mean, cooperating with one of these bank brands alone?"

"It's not. Li Mu shook his head: "Directly cooperate with the most basic branches, for example, I have a branch of the Industrial and Commercial Bank of China Renmin University downstairs." ”

"Cooperate with them?!" Kong Lingyu didn't understand it even more.

Li Mu nodded and smiled, took out a piece of A4 paper, drew a cloud shape on it, wrote the word Alipay, drew a circle in the lower left corner, wrote 3321, and finally drew a circle in the lower right corner, writing "A branch in Yanjing." ”

After drawing these, Li Mu focused on the circle of 3321 and repeatedly drew a rough circle, and explained to Kong Lingyu: "We can now attract 5,000 paying parents in cash, on average, no less than 5 million per month, this is only the initial stage of 3321, and then in the future, we will double this number, we may also go to Shanghai, Yangcheng to carry out 3321 business, it may only take half a year, we will absorb more than 10 million paid funds every month." ”

As he spoke, Li Mu drew an arrow, pointing from the circle of 3321 to the clouds of Alipay, and said: "I used to remit this money directly to the bank account, but I don't want to do it now, I want to get this money into Alipay, for any branch, this money represents huge benefits and performance, if I promise this money to do a week or half a month of capital precipitation in their bank, what do you think they will treat me for?"

Kong Lingyu's eyes lit up: "I will offer you as the God of Wealth." ”

"That's right. Li Mu nodded, drew another arrow, from the clouds of Alipay to the circle of a branch in Yanjing, and said: " Such a huge flow of funds in our Alipay precipitation, I can choose to precipitate this money to any bank, if I use this to talk to them about cooperation, I believe that any branch will not refuse, and I don't need them to really pay anything, the only thing to do, as long as I open an online payment merchant for me, for example, as long as ICBC has a bank to open an online payment merchant for me, then ICBC online banking users across the country can pay Alipay through this channel, or withdraw cash from Alipay！”

As soon as he finished saying this, Li Mu slapped the A4 finger with high spirits, his fingertips were pointing to 3321, and said with an unfathomable face: "Don't forget, I have the golden sign of 3321, and now 3321 is so famous, whoever gets involved with him will benefit, which bank do you think will refuse? If 3321 can be positively reported by Huaxia CCTV in the future, then everything will be more appropriate! This is called four or two thousand catties and as much as possible resource linkage!"

Kong Lingyu buzzed in his head.

He still doesn't think that Alipay will have much development prospects in the future, but Li Mu's method of transferring thousands of pounds in four or two makes his whole person seem to have opened a new world.

Just now, he was still struggling with 3321, Alipay, and Makino Technology, even if the three of them were packaged, they would be negligible in front of any banking system.

However, Li Mu doesn't think about the problem so much, he never thinks about how small he is standing in front of the four major banks or any commercial bank, because he has already had his own plans, what I want is just a payment merchant recognized by the bank, as long as I open an opening in any bank, it is equivalent to running through the entire context of the bank.

To put it more simply, it is like a POS machine, as long as you apply for a POS machine, you can link your credit card payment merchants with the bank cards of all banks in China.

For Li Mu, this method of operation can be said to be his biggest reliance on Alipay, but he still told Kong Lingyu without hiding it, because he not only needs Kong Lingyu to help him write code, but also needs Kong Lingyu to grow and improve quickly in a timely manner, and become a general who can help him immediately, so many things must be taught to him, so that he realizes the mode of operation in the future Internet world, making him more sensitive and powerful.

Kong Lingyu's worship of Li Mu has once again sublimated to a new height, with such a demon-level boss, his potential progress and promotion is something he never imagined before, not to mention that Li Mu is a boss who knows how to divide profits, when the A round was just launched, he had already given Kong Lingyu Muye Technology options, compared to many bosses who only paint cakes for employees to satisfy their hunger, a boss like Li Mu is too rare.

Kong Lingyu stood up excitedly and blurted out: "BOSS, leave this matter to me, within half a month, oh no, at most twenty days, I will definitely develop Alipay for you!" )

PS: There is another update tonight!