When Zhao Di described a thing, he behaved very calmly and spoke very slowly, which was completely different from his usual posture when he assigned tasks to his subordinates in the technical department. Pen "Fun" Pavilion www.biquge.info

"The collection of the deposit happens instantly, and the bank realizes the payment, and the deposit arrives immediately. However, it is not our account that arrives, but Alipay. The refund of the deposit, for the user, is also a refund from Alipay, and Alipay also needs to pay immediately. Therefore, in the case of Alipay's delay in paying us, there is a possibility that after three days, the funds of those users will still not arrive, because these users have already returned their deposits. ”

Shi Lei digested Zhao Di's words and quickly understood the situation.

The user's deposit, payment or refund is actually only a direct transaction with Alipay, and they do not pay Qixuan substantially.

Within three days, if the user chooses to return the deposit, the money has not had time to reach Qixuan's account, and it has been returned by Alipay after staying in the account for less than 72 hours. Then this money will naturally never reach Qixuan's account.

Zhao Di was still unhurriedly saying: "Especially in an industry like ours, where deposits are frequently paid and frequently returned, when Alipay makes full use of these 72 hours, it is difficult for us to ask them to transfer the deposits of those users to our accounts." In principle, we use the deposit deposited in the account for more than 72 hours as a disposable deposit, but now, these 72 hours are consumed by Alipay for us. That's what our technical department can come to this conclusion, and the specifics need to be determined after communicating with Alipay. ”

Shi Lei frowned and asked, "How did Alipay pay these deposits before?"

"Basically, there are very few deposits that exceed 24 hours, in fact, more than 80% of the deposits are credited to our accounts on the same day. ”

"So, can it be said that this is because of the large amount of our deposit, which caused Alipay to start our idea of using this money?

"Theoretically, there is such a possibility, or from the current situation, it is so. But, first of all, Alipay does have such power, and secondly, both Mr. Yao and I feel that this possibility is not very large. Alipay's three-day precipitation funds are at least two or three hundred billion yuan, and they should not pay attention to our tens of millions. ”

Shi Lei's brows furrowed even tighter, he was also a little anxious just now, after all, for Qixuan, whose valuation is less than one billion now, and the actual controllable funds are only tens of millions, the tens of millions on Alipay's books are enough to cover Qixuan's A round of financing. This money, when used, can open up the markets of at least three cities.

Now that I think about it, my own ideas are really a bit Naive, Alipay, as a domestic hegemon-level payment method, precipitates funds every day higher than the market value of most enterprises, how can they use the tens of millions of brains of Qixuan? To put it mildly, the interest of people's precipitated funds every month is more than this number.

I don't feel embarrassed, after all, I am still young, and it is forgiven for not thinking things through.

Shi Lei smiled at Zhao Di and said, "It seems that I'm a little anxious, what you said makes sense, Alipay really doesn't need to do this." Maybe their business methods have been adjusted, so we need to have a new negotiation with the other party to try to make the 72 hours shorter. ”

But after Zhao Di also smiled, he once again raised objections to Shi Lei's words.

"That's not to say that, the T+2 model is already quite preferential for us by Alipay. If it weren't for the fact that the drug manager had found a relationship, it was usually a T+3 payment method, that is, the funds would be allowed to stay in Alipay's account for no more than 96 hours. What's more, some start-ups, the relatively small ones, can only get the T+7 model, and can hardly get any precipitation funds from Alipay. ”

Shi Lei scratched his head, not knowing what to say.

Zhao Di said again: "Of course, this T+2 is just something in the contract, in fact, a week ago, Alipay never really delayed the payment until forty-eight hours later." And what happened this week can only be said to be a problem in a certain link. And Alipay's internal adjustment is not very likely, and there is no need for them to adjust only for us and Chongbai. I've asked some other companies, and their money is still the same as before. ”

"...... do you mean?" Shi Lei asked in a low voice.

"I don't mean anything, I'm just a technologist, and all my considerations are from a technical point of view. In terms of operation and strategy, you should discuss with the general manager of medicine. All I can do is provide more possibilities from a technical point of view. And at present, since Alipay has no clear response, I can only do so much in terms of technology. According to the current technical investigation, we are probably the only ones who have encountered the same situation. ”

This is the final answer given by Zhao Di, Shi Lei nodded and said, "Okay, Manager Zhao, you go get busy first." ”

"Okay, Shi Shao, you can come to me at any time if you have something. Zhao Di also stood up and left.

Shi Lei called Yao Er's mobile phone again, and Yao Er asked, "Zhao Di told you all about the situation?"

"Well, I just showed a cowardly ...... in front of him"

Yao Er laughed and said, "Sir, I think Alipay intercepted our precipitated funds and turned them into their precipitated funds?"

Shi Lei was slightly embarrassed and smiled.

At present, the other party is consciously delaying the time to respond, so Mr.'s suspicion is valid. Basically, this can only be judged. ”

"However, with the scale of Alipay, we have tens of millions of ...... Even if you add Chongbai, you won't be able to pass 100 million. ”

"There should be less than 20 million over there. ”

"That's right, with such a little money, is Alipay as for it?"

"Boss Ma is definitely not going to be, but it's hard to say about the people below. Sir, Zhao Di told you, right? I was able to get T+2 because I found someone. To be exact, it was the person my brother helped me find, that person was Ahri's financial director, and he did not directly interfere with Alipay's operation, but Alipay definitely wanted to give him face. ”

Shi Lei knew that Yao Er must have something to say, so he asked tentatively, "This person doesn't care about you now?"

"That's not true, he was still very polite and promised to help understand. But it's been more than three hours since I found him, and there is no response. It stands to reason that this kind of thing should be clarified in half an hour. ”

"You mean, it's basically certain that Alipay is the person in charge of our project?"

Yao Er snorted and said, "That's basically it." I contacted their department yesterday, and it's been more than 24 hours now, so it stands to reason that he should call me back anyway, even if it's a prevarication. However, he didn't, so, from a human point of view, basically he had a problem. I'm currently doing a doxing investigation on him to see if any of his social connections might be linked to us. ”

"I haven't offended too many people, right? Cao Chong can't be, that can only be Qian Gongzi?!" Shi Lei said firmly.