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"Or can we ask the tenant to pay 'rent'?" Benier, who couldn't make a plan and made a plan, came up with another idea, but as soon as this idea came out, he rejected it again: "No, it's okay to do it after the department store is done, but it must not be done in the early stage, but what can we do if we don't do it......"

After thinking about it for a long time, Benier still didn't come up with a suitable way, and looked at Lin Zheng with a wry smile: "Boss, do you have any good ideas?" ”

Now ebay does not have a credit guarantee, as a website based on the sale of personal second-hand items, although ebay is developing rapidly, it has also attracted many merchants to settle in, but the way of credit guarantee is still very primitive, in addition to the cash on delivery system, more depends on the user's consciousness: the user received the goods, using the network payment method to pay the seller of the item, but this process is too easy to be exploited. Pen "Fun" Pavilion www.biquge.info¤ Top Novel,

In fact, since the second half of last year, shopping loopholes and complaints have appeared on the eBay website in an endless stream, and eBay has also had a headache about why to ensure the smooth completion of the entire transaction, but so far, eBay has not been able to come up with a good solution.

The most successful shopping site, eBay, has failed to come up with a good solution, there are no examples to learn from, it is a completely new world, and Benier is blind in front of him.

"Yes." Lin Zheng nodded.

"Really?" Benier's eyes widened, a little incredulous: Isn't it? I can't do a big problem by racking my brains, and the boss can solve it so easily?

If it weren't for the fact that Lin Zheng had shown too much magic in front of him in the past, Benier would definitely not hesitate to point at Lin Zheng's nose and say: Liar!

But it was replaced by Lin Zheng. The situation is different, I have seen more of Lin Zheng's magic and imagination. Although I still have some doubts in my heart about whether my boss can solve such a big problem, I don't dare to believe it all. But I didn't dare to believe it.

Lin Zheng didn't intend to hang Benier's appetite, this thing is actually an idea, you can get it through with a click, but if you don't click on it, you may not be able to get it through for several years.

Since it is its own company, there is naturally no need for this toss.

Lin Zheng said: "Actually, it's very simple, we can set up a new company......

"New company?" Benier interrupted Lin Zheng.

"That's right, it's a new company," Lin Zheng nodded: "The responsibility of this new company is to manage an account, and the responsibility of this account is like this: the first step: when consumers buy things." You need to pay for the purchase first, but this fee is not paid directly to the merchant, but is paid to the account managed by our new company in advance; In the second step, after we receive the money, we verify that it is correct and inform the merchant that the money has arrived in our account and they can deliver the goods to the customer; The third step is that the user will confirm on our website after receiving the goods, and we will release the money to the merchant after receiving the confirmation information. Finalize the deal. We are only responsible for supervising the whole process of trading, and we do not preset our positions, what do you think of this approach? ”

There was a pause. Lin Zheng added: "Of course, the whole process is in the background, and it is done automatically by computers and software programs. How to ensure the security of the system is also the top priority. ”

“……”

Comrade Lao Bei opened his mouth wide and looked at Lin Zheng like a god. There was a deep sense of frustration in my heart: how did the boss grow this brain, could it be that he had more brain circuits than his own? Otherwise, why is this kind of problem that I can't think of a solution even if I think about it. How easily did he find a way?

Although I know that the boss is a genius, there should be a limit to no matter how talented he is, right?

After being dumbfounded for a while, Benier said happily and depressedly: "It's just perfect, I can't think of any other way that can compare with this method." ”

Admittedly, this is just an idea, and there is still a lot of work to be done to improve and implement this idea, but compared to the specific work, this idea is the most important and the most creative in the whole plan.

"Don't be too happy too early," looking at the excited Benier, Lin Zheng poured a basin of cold water on him: "We still have a lot of work to do, for example, if we calculate the entire transaction process, we can find that the user's money will stay in our account for at least 4 days on average, how to make good use of this 4 days to let this money create more wealth for us?"

Secondly, when this shopping mall is operational, I believe that the daily capital flow will be a very scary number, when people are accustomed to this way of consumption, the daily capital flow can easily reach 9 figures, so a very real problem is placed in front of us: how to choose a reliable bank, and strive for us to achieve the greatest possible benefits? What should I do if I choose a small bank and it closes down just a few days after it has been in operation? ”

“……”

Benier didn't speak, he was thinking about it seriously, because he realized that there was a huge stake!

Although he is still skeptical that Lin Zheng's daily turnover can reach 9 figures, with the scale of ICQ's users, I think that when the website is successfully operated, at least tens of millions of dollars per day can still be guaranteed.

On average, a four-day cycle means that there are hundreds of millions of funds available for self-mobilization in these four days, which is really ...... It's exciting to think about, how much can you do with such a large amount of money?

Thinking of this, Benier's heart was hot: such a big flow, even for top banks such as JPMorgan Chase, Citigroup, and Bank of America, it is impossible to be indifferent, right?

But just like the boss said, with tens of millions of dollars of turnover every day, choosing a partner has become a choice that tests the wisdom of ICQ, and small banks are of course not in the scope of consideration, but even those medium-sized banks, relying on cooperation with ICQ, are very likely to rise several steps, right? Therefore, it is not impossible to enter the sequence of second-tier top banks. But......

"Boss," Benier looked at Lin Zheng's eyes with unprecedented seriousness: "I always feel that it is too cheap to cooperate with banks. ”

Lin Zheng was not surprised by Benier's opinion, because he also felt that it was indeed too cheap for the bank, so he nodded and said, "What do you think?" ”

"If we have such a big turnover, why can't we become a bank?" Benier's eyes clearly flashed with something called ambition: "If we had a bank of our own, a lot of financial and financial things would be too convenient." ”

“……”

My brain!

Lin Zheng really can't wait to give himself a slap: in China, it is almost impossible for individuals to engage in a bank, but it is impossible in China, it does not mean that there is no chance abroad, the benefits of having a bank for the development of the company are simply three days and three nights, there was no suitable opportunity before, the investment in entering the banking industry is too large, how good it is now, the bank flow of tens of millions of dollars a day that can be expected alone is enough to make countless small and medium-sized banks rush up and cry and shout to hug their thighs!

"You mean, East West Bank?"

When ICQ decided to provide fee-based value-added services, Citigroup's response was actually positive, but perhaps it was not very optimistic about the prospect of ICQ providing value-added services, and refused to let go on the promise of specific benefits, and finally ICQ chose a small bank called East West Bank as a partner.

Later facts proved that Citibank played a very bad move, seeing the popularity of ICQ's value-added services, Citibank's intestines were repentant, although later promised a series of benefits to dig ICQ back, but Lin Zheng did not have a good face for Citibank: why did you go earlier?!

Although Citibank has provided Lin Zheng with loans of no less than 400 million US dollars, it is still the same sentence, business is business.

East West Bank, on the other hand, has hit the good fortune of the sky, relying on the thigh of ICQ, and has now become a bank with assets about to reach $1 billion. This size means that they are on the verge of entering the $1 billion club, moving away from the category of small banks to become a mid-sized bank...... Although it can only be regarded as the bottom of the medium-sized banks, the medium-sized banks are medium-sized banks, and the medium-sized banks at the bottom are also medium-sized banks.

Now, is Benier eyeing East West Bank again?

"That's right," Benier nodded excitedly, "I guess, relying on this one business, we can't ask for half of East West Bank's shares, right?" What's more, when we become shareholders of the bank, they will actually get more benefits. ”

Lin Zheng did not hesitate, and immediately said: "You go and talk to East West Bank, well, we can only retain the qualification for supervision and give up the management of the bank." As for the ......shares", Lin Zheng said: "51%, this point cannot be changed, if they are not happy, tell them that ICQ does not mind changing the bank again." ”

"As long as they're not stupid, I think they'll not only agree, but maybe applaud." The thought of ICQ becoming a shareholder in a bank made Benier's face flush with excitement.

However, meeting Lin Zheng, a boss who likes to pour cold water on people, can only be regarded as unlucky: "Don't be too happy too early, you have to talk to the major American banks, Visa, Mastercard, Express and other credit card issuers, and try to fight for benefits as much as possible; In addition, the major express companies are also the objects of our cooperation, telling USPS, UPS and FedEx that we must give our merchants a sufficient preferential price, otherwise we will change to other partners...... Lao Bei, you still have a lot of work to do. (To be continued.) )r527

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