Fang Qingwei.

When it comes to Alibaba Fang Qingwei, almost the entire Alibaba Group admires it. This female supervisor started as a front-line employee back then, relying on her own efforts and hard work. Moreover, he overcame his own self-pity and accomplished a miracle like a god. In just two years, Fang Qingwei rose to the top leadership class of Alibaba.

Although Fang Qingwei is not the top leader at present, according to Alibaba CEO Ma Yun, in the next few years, Fang Qingwei is likely to enter Alibaba's decision-making level and become another "Gu Xiaoyu" in the shopping mall. It's just that no matter what the outside world says about Fang Qingwei, Fang Qingwei always remains indifferent.

She knew that her performance could do so well. On the one hand, in addition to their own willingness to endure hardships, on the other hand, the development direction of domestic e-commerce platforms is really the trend of the times. As long as there is a force that keeps pushing, he will keep going. Moreover, with the increase in the number of people online, domestic e-commerce will definitely grow explosively.

This kind of growth is just like the online games of the past. At the beginning, it was hundreds of thousands, and now it is almost more than 50 million. Moreover, e-commerce is more promising than online games. They are larger and more widespread, accommodating all online age levels. Whether it's a child, a young person, or an old person. Because they all need to shop, and if they shop online, choosing Alibaba and Taobao will be the first choice they consider.

Therefore, a large part of the reason why Fang Qingwei can have today's achievements is that e-commerce has opened up this potential market.

Of course, Fang Qingwei can be so strong, in her heart, she has to thank another person.

This person is Chen Qingyun of Tsinghua University back then.

If it weren't for Chen Qingyun, it is estimated that Fang Qingwei still didn't have much confidence. If it weren't for Chen Qingyun, Fang Qingwei would not have entered Alibaba so quickly. If it weren't for Chen Qingyun, no matter how serious Fang Qingwei's research was. But once two years have passed, when Fang Qingwei graduates, maybe, there will be no place for Fang Qingwei in the e-commerce market.

After all, we all know that the future will be the era of e-commerce.

There is no doubt about this.

Eh, I almost forgot, Chen Qingyun is the current Chen Xiangyi.

If it weren't for the show that moved China, maybe, Fang Qingwei would still be in his bones.

Until, when she knew the truth, there was a feeling of not knowing in her heart.

It seems to be surprised, as if it is moved...... There's a hint of something else......

Sometimes, Fang Qingwei is idle at home, and whenever he thinks of the situation back then, Fang Qingwei will be silent for a long time. It was only at this time that Fang Qingwei knew that sometimes he was extremely vulnerable. However, in normal times, Fang Qingwei only buried the vulnerability in his heart in the log, and didn't want anyone to open it except himself.

Today, Fang Qingwei sorted out the materials and was about to go to the office of Jack Ma, CEO of Ariba. He wants to report to Ma Yun all the ideas that the interviewer said yesterday. Because, in the midst of this, there is a very critical business. All this time, Alibaba has not done a good job.

For example, what the interviewer calls payment.

As the head of Alibaba's business department, I am very familiar with this payment business. It's just that Alibaba has developed to the present, and it has long been the world's e-commerce giant. It's okay to pay in your own country, because the state will give a lot of support to companies like Alibaba, plus the strength of the parent company Tang Dynasty Group, there is no problem with payment.

However, when Alibaba is put internationally, often, payment is a very headache.

Because it involves the funds of individual users, it is better to say that they are placed in the country, and they are placed internationally, and the governments of all projects will carry out very strong control over the payment. In addition to paying a large amount of channel fees, not all banks are open to you.

In the meantime, Alibaba's vision road will also encounter more problems. If it weren't for the Tang Dynasty company to form a world Internet network, how could Alibaba have developed to its current height. Even before, some subsidiaries such as Alibaba could only cooperate with local companies in order to expand payment channels. This can only be cooperated, and you can't completely buy it from him, and if it is acquired, then the local protection ideas of other countries will come again, and it will not be troublesome for Aliba. ,

Fortunately, now that Ariba is famous enough in the world, some other small businesses are not enough to threaten Alibaba. Moreover, e-commerce itself is a super expensive affair. In the face of Alibaba, a giant, there are only a few countries that can compete with China for this market. Some others can only sigh with admiration.

For this payment, Alibaba has no effective method until now. Moreover, not to mention Alibaba, even the world. FOR EXAMPLE, EBAY, WHICH IS ALREADY A MULTINATIONAL E-COMMERCE PLATFORM WITH ALIBABA, HAS DONE THE SAME THING AS ALIBABA, WHICH IS TO ACQUIRE A STAKE IN A LOCAL COMPANY IN ORDER TO EXPAND MORE PAYMENT CHANNELS IN A COOPERATIVE WAY.

However, the interviewer came up with a very novel idea.

It's just that the other party only said a little bit about this concept and said a few words. But just a few words, all of a sudden, it seems to open up the payment direction of e-commerce. However, the other party did not talk about it in detail. And Fang Qingwei thought about it for a long time, but he only vaguely felt it. Even, Fang Qingwei spent a morning with Shi Ran, but he didn't come up with it.

It wasn't until here that Fang Qingwei stopped thinking. He knows that this latest idea is often a flash of inspiration. The other party didn't elaborate, it's just a lifetime, and I'm afraid he won't be able to think of it. Or come up with the most used method, find the top, invite the mysterious interviewer out, and it will be solved.

Because, Fang Qingwei knows. Since the other party was able to confide this, then he was very interested in Alibaba. Although Fang Qingwei doesn't know who the other party is now. However, based on this, Fang Qingwei guessed. Perhaps, this is the interview chip for this interviewer to come to Alibaba. Of course, the position of the interview is naturally not a business promotion specialist. It may even be in charge of the entire payment channel business.

Thinking of this, Fang Qing calmed down slightly for a while and came to Ma Yun's office.

"Mr. Ma, I have a document here......"

Fang Qingwei was about to elaborate, but suddenly found that opposite Ma Yun, he was a man. Just when Fang Qingwei said sorry, Ma Yun stood up and ......, "Mr. Chen, let me introduce you to you, this is Fang Qingwei, the director of our business development department." ”

After speaking, the man sitting opposite Ma Yun suddenly turned around and said, "Classmate Fang, haven't seen you for a long time?" ”

Chen ...... Chen Qingyun ......"

The person who came was Chen Jiayi.

And Fang Qingwei was surprised when he saw Chen Jia turn his head.

This figure, she is simply too familiar. If it weren't for him, how could Fang Qingwei stay in Alibaba. Although now, Chen Jiayi still wears a thick glasses. But wasn't the same with Chen Jiayi in the past? It's just that the sudden surprise didn't change Fang Qingwei for a while.

It wasn't until later that Fang Qingwei came to his senses.

Chen Qingyun is not Chen Jiayi, and who is it? He is the supreme head of the Tang Dynasty company, and he is also Ma Yun's top boss.

"Mr. Chen......"

"Ah, you know?"

Ma Yun turned over in a little shock and asked back slightly.

"Of course, don't you remember, I'm also from Tsinghua University? And, I'm going to tell you a secret. Back then, I recommended you to Alibaba. Mr. Ma, how do you want to thank me. ”

"I can't imagine that there is such a ......

After a sigh of emotion, Ma Yun said bluntly that he would have a big banquet in the evening, and thanked Chen Jiayi for recommending a general to Alibaba.

"By the way, Xiao Fang, put down your materials first, the person who chatted with Su Guo yesterday was Mr. Chen."

"Oh."

Fang Qingwei nodded, although he was still surprised in his heart. But thinking of the person in front of him, it was Chen Jiayi, and he became reasonable again. In her heart, it seems that only Chen Jiayi can see e-commerce so thoroughly. This kind of general direction vision, even Ma Yun, he can't compare.

"Mr. Ma, you talk, I still have a little work to deal with over there."

This kind of conversation with the top leaders, Fang Qingwei is not qualified to come in, and he is about to leave when he turns around.

"Wait, classmate Fang, sit here, I'm here today to talk about the issue of payment channels."

learned from "Su Guo" that it was Fang Qingwei who chatted with Lian Jiayi in the end. And from the several questions mentioned by Fang Qingwei. Chen Jiayi felt very good about Fang Qingwei's performance. Especially the latest payment concept that Chen Jiayi said, if Chen Jiayi hadn't said much, I'm afraid Fang Qingwei would really be able to figure it out. ,

Based on this, Chen Jiayi also looked down on Fang Qingwei.

"Regarding payment channels, does Mr. Ma have any other measures?"

Although on the surface, Alibaba has not launched specific payment measures. But who knows, Ariba has not thought about it. Perhaps, they already have this idea, and they don't have to do it in a hurry.

"Countries have strict control over payments. We don't have much more to do than work with local businesses. Recently, we are working on a plan that we would like to escalate to headquarters. It's just that the plan is too big. Moreover, the amount of money and time required is very high, which is not very good. So, we're also thinking about ...... in the near future."

"Tell me."

Ma Yun is not an idle person, for the "payment" part, he has long seen the drawbacks. After a little hesitation, he opened his mouth and said directly, "This plan is to use the influence of the Tang Dynasty company on the world Internet, and then gain the support of various governments. ”

In fact, this plan, to put it bluntly, is a public relations plan.

Of course, this public relations is talking about public relations with the government or with the state. Only in this way can the payment channels be completely opened. Otherwise, any country will want to restrict you on payment channels. Of course, if it is China, it is the same. If you are a foreign company, even if you will be given some tax incentives on the surface, you don't want to get any benefits if you pay for it. That's why, the future Jack Ma will compete with Yahoo for control of Alibaba.

The most important reason is the payment problem.

"Although this plan seems feasible, it can only be used by a small number of countries. Developed countries such as Europe and the United States are basically useless. In addition, this plan, as Mr. Ma said, is too big, not to mention the funds, even time, will be used up innumerable. Basically, the headquarters generally does not approve ......"

Chen Jiayi said directly.

"Mr. Chen thinks about it."

Although Chen Jiayi did not directly veto, and Chen Jiayi did not care much about the affairs of the Tang Dynasty Group. Generally speaking, there are no major projects, and Chen Jiayi is too lazy to take care of them. But Chen Jiayi has already said so, so it means that this is basically no drama. However, Jack Ma did not say anything. He also knew that this plan was not necessarily high-end, and it was basically impossible to approve it.

"What about the other than this plan?"

Subsequently, Chen Jiayi continued to ask again.

"This ......"

Ma Yun hesitated for a while, then took over, "Recently, we have been tackling this payment plan. ”

Obviously, the meaning of this sentence is to tell you that there is no other way.

"Classmate Fang, you have been working on the front line for so long, do you have any ideas of your own, let's talk about it."

Chen Jiayi turned his head and looked at Fang Qingwei.

"I ......"

"However, now is the time when the company needs everyone's wisdom."

Ma Yun said encouragingly.

"Actually, I think we can try to separate the third-party depository system into an online virtual account ......"

I don't know when, Fang Qingwei combined with the online banking mentioned by Chen Jiayi, and it seemed that there was a shining spark.

"Go on."

Chen Jiayi was about to clap.

As an e-commerce, how to ensure the fairness of both parties to the transaction. Well, the e-commerce platform, he has always acted as a notary public. The transaction between the two is notarized by the e-commerce platform and then finalized. At this time, a third-party depository system existed online. That is, after the user auctions a goods, he can first put the money into this depository system, and the seller knows that the customer has paid for it, so the goods will be released. Until, the user receives the goods, and then confirms in the third-party depository system to complete all transactions.

This process is very simple and ensures the fairness of the user's transaction.

"In this way, the user has a separate virtual account online, so he can easily buy all our Alibaba products. Moreover, this one account is connected to the bank and money can be converted. Just like the seller's online account, we can also set up a separate online account for the buyer. ”,

"Very good"

Chen Jiayi and Ma Yun slapped their hands and sighed that this method was great.

In fact, this method is the Alipay of later generations. At that time, Alipay was actually a third-party depository system. It's just that he didn't get completely independent, just for trading. In fact, as long as he is separated, he is a super large payment account. No matter what you buy online, you can use Alipay.

"It's just, I want to ask, what if it's the same as now, and how many banks are there to support it?"

Although Alipay is good, it also needs bank support. If there is no more bank support, how can users transfer money to Alipay? So, the topic comes back to the question of how to expand payment channels. It seems that even if the Alipay method of later generations is come up, it has not solved the problem of payment channels.

"This ......"

Obviously, not to mention Ma Yun, even Fang Qingwei, who just came up with this idea, doesn't know how to answer.

You must know that Fang Qingwei was able to come up with this idea, which was also created on the basis of the online banking mentioned by Chen Jiayi. Turning Alibaba's third-party depository into an online account, in fact, is also an online bank. However, it is still difficult to solve the problem of real bank payment.

"Hehe, that's easy."

This is a question that is easier said than done, and it couldn't be simpler.

"Our third-party depository system, as Fang said, sets up a virtual account. So, naturally, this account, whether it is the buyer or the seller, under our settings, it becomes an online banking account. And for this money, we know that there are a lot of users who don't take it right away. That is to say, they will also be deposited into a virtual account, especially for a business-to-business transaction model like Alibaba, the funds in him will be very large. Even if it is Taobao of the D application platform, although it seems that the funds are not large, the funds of hundreds of millions of users around the world add up, which is definitely a terrifying data, and these data are all stored in it. There is an outflow, but there is also an inflow. Outflow in, inflow out, in many cases, there is a considerable part of the funds, which will never be less. I think they will be tempted by any bank......

"I see."

"I see."

Unexpectedly, something that seems so complicated can be solved in a few sentences.

Yes, there is no bank that will leave hundreds or hundreds of billions of funds unmoved. When the time comes, Alibaba will not beg them at all, they will come over themselves. Because, these funds, even if you lend them to others casually, you can also get a huge profit. In between, what bank doesn't want to cooperate with Alibaba?

As a result, this plan also solves the problem of payment channels.

You don't have to spend your own effort, and in the end, you can use Alipay as a means of profit.

"I'm here today because of this payment channel. The following tasks, Alibaba is ready for this.

"By the way, I almost forgot."

Chen Jia thought it was done, but then thought that there was still a little more to do.

"This system, we will temporarily take his life as a treasure."

Alipay is an online third-party payment platform pushed out by the later generation "Alibaba", and at the same time, it can also be used as an online bank. Chen Jiayi was too lazy to give this system another name...... It is also time to miss the "Alipay" of later generations, anyway, the idea is also taken from Alipay of later generations, and this system is officially named Alipay. (To be continued)