Yin Qiang knows a little bit about e-commerce, but not much.

There is not even a mature e-commerce model in China, and people who really understand e-commerce have learned from abroad.

But according to Yin Qiang's understanding, Yu Song doesn't seem to have gone abroad, is there really someone who is born to know?

Thinking of this, Yin Qiang felt more and more that the mystery on Yu Song's body was even stronger.

In fact, many Internet concepts in China are transmitted from abroad. In the current era of the rise of the Internet, as long as someone can understand those concepts and then make products, they will become the trendsetters of the times.

Let's just say that the concept of search engines was brought back from Silicon Valley by their founders. Everyone knows the rest of the story, Baidu has become one of the three giants of the domestic Internet.

Yu Song said with a smile: "This is just my own idea, whether it can be realized or not is two words." ”

Yin Qiang didn't continue to dwell on this topic, after all, he didn't know much about it, "The WeChat and post bars that the domain company is doing now are social, and the farm is the game?"

Yu Song smiled and said, "Almost." ”

In fact, in Yu Song's view, whether it is a WeChat post bar or a farm, in fact, they are all things in the social field, and they have nothing to do with games.

The main force of the development of the domain company now is only social, and this is also what Yu Song values most at this stage.

As for the game, Yu Song is aiming for the miracle mu that will be released soon.

This is a classic game comparable to a legend, in 2002, Miracle MU came to China, bringing an impressive record, in less than 3 days of public testing, the number of simultaneous online users soared to more than 100,000, and the number of registrations exceeded 2 million.

Even legends are overshadowed by this statistic.

However, now that Miracle Mu has not started the internal test, Yu Song is not in a hurry.

Yin Qiang asked curiously: "Speaking of socializing, the penguin is now the leader in this area, right?

Yu Song said with a smile: "Yes, now Penguin has tens of millions of users, and the highest online at the same time exceeds one million, this data is indeed amazing." What's more, users have accumulated a large number of contacts on Penguin. It's hard to compete with penguins. ”

Yin Qiang asked: "So, you don't have confidence?"

Yu Song smiled: "If I didn't have confidence, I wouldn't have made WeChat." If you give the penguins a few more years, I really don't have confidence.

But now it is different, although the penguin has taken the lead, but it has not yet encroached on the market, and its only advantage is that it has gone ahead of me for a while. ”

Yin Qiang saw Yu Song's confident appearance, and asked curiously, "Have you already figured out how to defeat the penguins?"

Yu Song smiled: "As I just said, the only advantage of Penguin is that it has been going for a while longer than me and has accumulated a large number of users, but once I surpass it in this regard, it will be a matter of minutes to replace it." ”

Yin Qiang was secretly surprised when he heard this, Xiang Jiaxiang's eyes on people were really not wrong, this college student who was younger than himself was already thinking about how to kill the penguin.

However, in this way, Yin Qiang has a little more confidence in Song, and he has more expectations for the future of the farm.

After chatting for a while, the front desk found Yin Qiang and said that the president of the agricultural branch had arrived and was now in a meeting

Room.

Yu Song and Yin Qiang came to the conference room, and a middle-aged man in his thirties was sitting inside.

As soon as the middle-aged man saw Yin Qiang, he immediately stood up and stretched out his hands to shake hands with Yin Qiang, which could see Yin Qiang's status in his heart.

Yin Qiang introduced it a little, this is the president of the Agricultural Bank of China called Ren Hao.

"This is my partner, Yu Song. Yin Qiang finally introduced Yu Song.

Ren Hao took a closer look at Yu Song and found that he had no impression, who is this person?

But Ren Hao reacted immediately, Yin Qiang said yesterday that he was looking for something about himself, and it wouldn't have anything to do with the person in front of him, right?

When Ren Hao was still thinking about this matter, the branch presidents of the remaining three banks arrived before and after.

After everyone sat down, Yin Qiang introduced each other to everyone, and Yu Song officially said his needs and wanted to build an online payment platform.

The concept of online banking has been around for a long time, but it has stalled in recent years. A big reason for this is that the Internet is not widespread.

People are very new to online banking, so naturally they can't talk about trust. Except for a small number of people who are familiar with it, they will choose this transfer method.

The first to speak was Ren Hao, "What is the main service of your online payment platform?"

Yu Song replied: "My WeChat farm is about to launch a props mall, and Alipay is for it." ”

Cao Xuemin, president of the ICBC branch, said in surprise: "WeChat farm?

Yin Qiang said: "I forgot to introduce to you another identity of Yu Song, he is the CEO of the domain company." Now the most popular post bar, farm and WeChat are all industries under his name. ”

As soon as this identity was revealed, the four presidents in the office were surprised, but they didn't expect that the domain company worth hundreds of millions on the market turned out to be the industry of the young man in front of him.

The four presidents paid attention to the looseness at once, and as long as the domain company dealt with the bank, the money involved was definitely not a small amount.

For the possibility of cooperation in the future, the four presidents all wanted to make a good impression in front of Yu Song.

Yu Song said: "I also talked about my needs just now, do you have any questions?"

Yao Heng, President of CCB, asked: "Will there be problems with the online payment you mentioned, for example, after the user pays or transfers, the money is not in place, will this cause disputes between customers and banks?"

Yu Song said: "This point can rest assured, although after the opening of Alipay, the money is operated through the bank, but in the eyes of customers, the money is transferred from the bank to Alipay, even if there is a problem, the last thing to find is Alipay."

And we have a record of every money, as long as the bank reminds the customer in time that the card has been deducted, once there is a problem with Alipay, the customer will definitely contact us as soon as possible. ”

The four governors were very satisfied with this explanation, and as long as it did not cause disputes to the banks, there would be no big problem.

The last person to speak was Zou Minhua, the governor of the Bank of China, "I have another question, how can the money spent by users through Alipay in our bank stay in our bank?"

This problem is very realistic, you can't let the bank do things for you for nothing, if you simply charge a fee, the bank does not need to take such a business.

Yu Song said with a smile: "Please rest assured that our Alipay will open an account in various banks and receive it from Alipay."

The money will be placed in this account, and the bank will help us hold it for us. ”

Ren Hao asked: "There is a question that is not very polite, but I still want to ask you, how much do you think your farm can flow in a day?"

This question is very poignant, even if it is Yin Qiang's friends, if this point does not meet the bank's requirements, they may not spend too much energy on it.

Yu Song smiled and asked, "Four presidents, do you know how many registered users there are on the farm now?"

Governor Zou of the Bank of China said: "We definitely don't know the specific number, but my granddaughter has been playing on this farm, so there should be quite a lot of people playing, right?"

Yu Song stretched out two fingers, "Up to now, the farm has 20 million registered users, and the highest is nearly 8 million online at the same time. ”

Hearing this number, except for Yu Song and Yin Qiang, the remaining four presidents all showed surprised smiles on their faces.

There are so many users on the farm? What does that mean? It's money!

Yu Song continued: "The upcoming prop mall is the profit model of the farm, and all the virtual items on the farm are bought, such as fertilizer, decoration, etc.

Based on the current number of people on the farm, I can guarantee that the weekly turnover of the farm is at least about 10 million. ”

Hearing this data, the four presidents were a little surprised. Banks also have the task of collecting deposits, even if they don't have to complete it in person, but this is also their performance, 10 million is not a small amount!

In this way, Yu loosened the interface of this bank, not only can Yin Qiang admit his feelings, but his performance will also be settled, killing two birds with one stone!

However, for the future development of Alipay, Yu Song did not tell the people present, so that they thought that Alipay was a tool, which was not a good thing.

There is no way, Alipay has completely subverted people's consumption concepts and payment methods in the last life, even if Yu Song says it, no one here may believe it.

The four presidents readily agreed to Yu Song's needs, and promised that the whole process would be greenlit and that Alipay would be put into use as soon as possible.

Yu Song was not surprised by this result. Even if he doesn't have Yin Qiang's relationship, as long as he can get in touch with the bank's relationship, he is sure to convince the bank's people.

It's a pity that Yu Song's connections are not enough, unlike Yin Qiang, who called all the presidents of the branches of the four major banks over with a phone call.

Yu Song only reached a verbal agreement with these governors, and the specific cooperation agreement was reached, and Jiang Zheng would go to the bank to negotiate it at that time.

There are two main points in the verbal agreement, the first is the time when Alipay's funds are placed in the bank, and the second is the future cooperation between Alipay and a third party.

But fortunately, Yin Qiang is here, and the bank does not stipulate how long the funds should be deposited in the bank, nor does it say that Alipay's cooperation with third parties will be restricted in the future.

With these two commitments, Yu Song is much more relieved, which will be of great benefit to Alipay's future development.

In the evening, Yu Song had dinner at a high-end restaurant.

On the one hand, I thank Xu Jiaming for his matchmaking, and on the other hand, I am also to deepen my impression of each other with several presidents, and there will definitely be places to find banks for help in the future.

This can also be regarded as Yu Song's expansion of his network, so that he will not be so passive in the future.