East-JM Investment Bank has long launched an online payment system abroad under Jiang Xinwei's arrangement, and even tied it to the new digital mobile phone. Of course, the bundled digital mobile phones are all wealthy, and the average digital mobile phone users cannot use their mobile phones to carry out their own banking business.

Domestic banks are a little more troublesome, mainly because several major banks are reluctant to develop interfaces with Zhonghua Software Technology Company. But with the introduction of the Internet on Merlot.com, an online payment system is imperative, otherwise, those users who like to listen to music are likely to be unable to download songs because they have no money in their accounts.

In the past, Su Dingyu and his team took bank remittance, and then entered it manually, but it took a long time, consumed a lot of manpower, and it was easy to make mistakes.

Of course, the most important thing is that Jiang Xinwei wants Zhonghua Software Company to become the first company in China to have the ability to pay online. So, he was a little impatient to ask now.

Su Dingyu nodded and said, "It was just done a few days ago. Hey, the people in these banks are as timid as rats. What they are most worried about is that the user has paid, and we have not given the user a hint here, which leads to the trouble for the user to find the bank, thinking that the bank has not handled it for them but deducted the money. You say, how can this happen, and can we not consider this situation?"

Su Dingyu shook his head with a wry smile and said: "It's hard to say anything, we have to contact the central bank, and they will open the interface only if the central bank issues a document." Some even go too far, saying that they want the central bank to increase their dispute complaint rate index, and they cannot deduct their management points because of complaints about this business. It really doesn't make sense. ”

Jiang Xinwei smiled and asked, "How did you solve it later?"

Su Dingyu said: "How to solve it, it's not a temptation to benefit." I said that the funds for online payment will be deposited in the accounts opened by the branches, and we will entrust them with this money, if the business is good, this money is not a small amount. In the end, we promised a amount, saying that it would not be reached in half a year, and our company would pay in advance, and they agreed to it. ”

Jiang Xinwei said with a smile: "Their bank didn't do this kind of data transmission thing, plus they were worried that the money that customers deposited with them would be taken away by you, and then transferred to your account and taken out for other things, so naturally they were cautious at the beginning." Now your method is equivalent to helping them complete a lot of storage tasks, so it is understandable that you are open to the net. …… Now, now that we finally have a payment channel for our customers, have you seen the changes in the data on Merlot's website?"

Su Dingyu said: "It's really a little better, more music lovers have begun to transfer funds to the account, but it's not much now, and the rate of increase is not obvious, so we have to wait for a while." ”

Jiang Xinwei asked, "You didn't think of a way to encourage netizens to transfer funds to the online payment system?"

Su Dingyu asked strangely: "The money in the online payment system is also theirs, what does it matter to us whether it can be transferred or not?

Hearing his words, Jiang Xinwei really couldn't laugh or cry, and said: "Why did you become stupid all of a sudden? As soon as there is a lot of money in the online payment system, they will have a great interest in spending money on the Internet, and they will have the urge to spend money, you know? If there is no money in the online payment system, how can they spend money to download songs?"

Su Dingyu was happy, looked at Jiang Xinwei and said with a smile: "You, you, I don't know, I still think you have no money." Although you may not be the richest man in the world, you can be regarded as the richest man in China, right? Why do you just stare at the small amount of money from netizens? Our Zhonghua Software Technology Company earns nearly 10 million yuan a day, as for this amount of money? If it weren't for the fact that it was to show that our company had this ability, and if it wasn't for keeping up with the pace of Internet development, I really wouldn't be interested in making this kind of online payment. ”

Jiang Xinwei's eyes widened and said: "You kid dare not see the meaning of online payment? Do you know that online payment is the direction of future development, and a large part of commercial activities will be carried out online in the future." With an online payment system, you will be able to take the initiative in the future. And the revenue and profits it generates may exceed your Zhonghua Software Technology Company, and also surpass my Feixun Group. ”

Su Dingyu shook his head and said, "It's impossible, isn't it? There really so much money circulating online? Isn't it just a matter of ordering a few songs?"

Jiang Xinwei sneered: "Trough! Don't you want to think about it, is ordering a few songs worth me thinking about? Now ordering songs or something is just cultivating this market and guiding people's consumption concepts." At the same time, we can find the problems in our software, eliminate the bugs inside, and wait for the future to use the online payment system. ”

Su Dingyu said embarrassedly: "So that's the case." …… , then I have to introduce games, songs and so on, and guide netizens to use online payment to play games and shop. By the way, Jiang Xinwei, can we use this online payment system to build a shopping website and buy something cheaper first?"

Jiang Xinxu said: "Of course you can. ”

Su Dingyu asked, "You say, what should we sell first?"

Jiang Xinwei said without thinking about it: "Sell books." ”

"Books?" Su Dingyu looked at him in surprise and asked, "Are there many people buying this thing?"

Jiang Xinxu said: "I don't know either. But it's good to give it a try. ”

The reason why he proposed this is because in his previous life, there was a famous company that became a world-class company by selling books, and it was Amazon.

Su Dingyu said: "Okay." Anyway, it's the nature of the experiment, so let's try it first. If you think about it, books are really good for selling online. ”

Jiang Xinwei didn't think about it himself, and couldn't help but ask curiously, "Why?"

Su Dingyu said: "You believe that books have no expiration date, they can be stored in the warehouse for a long time, and they are not afraid of how much time will be delayed on the way to the mail, but food or something is not good, the validity period is limited, not only can it not be stored in the warehouse for too long, but it cannot be delayed on the road." And the book does not have too many styles, unlike clothes, it is best to read it in person, and consumers can rest assured after trying it on. As long as we put the picture of the appearance of the book on the Internet, consumers will know it, and they will have the bottom in their hearts. Even if it's a child's toy, it's not as good as a book. ”

Jiang Xinwei didn't expect him to think of so many reasons at once, and these reasons seemed to be really reasonable.

Su Dingyu said with a smile: "Another reason is to facilitate consumers to return goods. If the consumer is not satisfied, as long as they do not damage the pages and do not stain them, we can continue to sell them when they return it. ”

Jiang Xinwei said: "Then it's decided." ”

At this time, Su Dingyu asked, "Jiang Xinwei, do you want to see the "Happy Farm" we designed?"