While Steve Keys didn't know how to expand AOL's business, Wujiang Group was vigorously developing a number of websites, including hao123 website, Alibaba.com, Amazon.com, Taobao.com, IMDB Internet Movie Database, Rotten Tomatoes.com, Netflix.com, Pandora.com, and Alipay.com.

In addition, there is the search engine "Baidu".

At the beginning of the development of the Internet, many people do not know how to surf the Internet, and they can't remember the name of the website, so the website is extremely popular with the Internet whites, and the navigation website lists the more popular websites, and the user only needs to remember the website of hao123, and can find other websites on the navigation website.

Therefore, in addition to the development of the portal, the most important thing is to develop the website navigation. The URL navigation website is equivalent to the entrance to the website, which is very important.

However, the site is very simple and doesn't require much technology, so you can do it in a day.

In his previous life, Li Xingping, the webmaster, developed the "hao123" website by himself and operated it alone.

It is rumored that Baidu eventually acquired the hao123 website for 50 million cash plus equity. There are also media reports that Baidu actually spent 11.9 million yuan and 40,000 shares to acquire. This shows the importance of navigating the website.

Alibaba.com, Amazon.com, and Taobao are the three models of Wujiang Group's layout in the field of e-commerce, namely B2B, B2C and C2C, namely: business-to-business model, business-to-individual model, and person-to-person model.

Wujiang Group created these three major e-commerce websites and directly unified the three major e-commerce models, and competitors can only be deterred.

IMDB Internet Movie Database, Rotten Tomatoes website, Netflix Netflix website, and Pandora Music website are the four major websites of Wujiang Group in the film and television entertainment industry.

It is worth mentioning that due to the limitation of network speed, Zhao Ye does not plan to develop an online video website immediately, and the Netflix Netflix website is just an online video rental website, focusing on foreign markets.

Among these four websites, the most headache for Zhao Ye is the Pandora music website.

Because of the issue of music copyright, the Pandora music website may be difficult to develop.

Of course, Wujiang Group is not willing to spend a lot of money to acquire music copyrights, and those music companies in Europe and the United States are greedy like a glutton.

Without being beaten, they would not have cooperated with the Wujiang Group sincerely.

As for how to beat up, of course, it is to make people secretly engage in pirated music, as long as Zhao Ye expresses his opposition to "pirated music" in public, some people will see the shining point of "pirated music".

In the previous life, the American record company had a very fierce struggle with the major pirated music website companies, and the relationship between the two sides was in deep trouble.

Among the many pirated music, there is suddenly a music website that supports genuine music, isn't this standing out from the crowd?

In order to recover losses, the record company must not cooperate with Wujiang Group?

For the development of the Pandora music website, I am afraid it will take several years to see results.

In addition, the MP3 player developed by Wujiang Group also needs a genuine music download channel, which just corresponds to the Pandora music website.

Of course, for the first generation of MP3 players, Borderless Group does not restrict users from downloading music from other pirated websites.

This MP3 music player can be an important bargaining chip for the Wujiang Group to negotiate with the record company.

Once the record label agrees to license the music rights to the Pandora Music website, the MP3 player developed by the Borderless Group will only recognize the music downloaded from the Pandora Music website.

……

Zhao Ye came to Alipay's development department at this time.

He values Alipay far more than any other website.

Alipay will be used for all online transactions in the future.

At the beginning of the development of e-commerce, the main payment method is cash on delivery, from the perspective of merchants, this is very disadvantageous, some boring people let the website ship, and then refuse to accept it for no reason, or make a prank, let the courier run in vain. There are people who lack virtue.

In addition, customers will be more likely to return goods because they have not paid, which is not conducive to increasing transaction volume.

In addition, if there is no Alipay for the online games launched by Wujiang Group in the future, it will definitely hinder the motivation of users to charge money.

In the previous life, when "Legend of Blood" was popular in China, users wanted to recharge money, and they had to spend money to buy some cards, which was not very convenient, so that many Internet café owners made the difference.

Moreover, the point card itself has a cost.

As a person who has come over, Zhao Ye understands the benefits of online payment very well.

……

"Boss, the biggest problem in developing Alipay is the bank. The bank must open online banking, and then connect with our Alipay website! At this time, Lei Jun looked at Zhao Ye with some excitement and nervousness, and spoke.

Although he prides himself on being a genius and has been promoted quickly after entering the Wujiang Group, he never thought that he would be fully responsible for the development of the Alipay website at such a young age.

It is said that the boss personally named and promoted him to serve as the CEO of Alipay.

Zhao Ye smiled and said to Lei Jun: "I will solve the problems of the bank, and you are responsible for developing the website!" However, Alipay, as an online payment method, must be extremely important in terms of security! You have development and management experience in this area, I am very optimistic about you, so I will let you serve as the CEO of Alipay, don't let me down! ”

The trajectory of Lei Jun's life has changed a lot.

Qiu Bojun was dug into the Wujiang Group by the Wujiang Group, which led to the fact that the famous Kingsoft Company did not appear in this era.

In its place was a secure software development division of the Borderless Group.

Wujiang Group is almost a company that everyone in computer science students wants, so after graduating from university, Lei Jun entered the software development department of Wujiang Group not long after, and then he stood out with his excellent talent.

Before entering the Wujiang Group, Lei Jun also founded a business with his classmates and developed Hanka, but this industry is very volatile and can no longer make money, with the release of the Hongmeng system, Hanka has been completely ended.

The company founded by Lei Jun and his classmates suddenly went bankrupt and collapsed, and everyone had to go their separate ways.

"I know, boss, don't worry, I will definitely not disappoint your high expectations!" Lei Jun nodded solemnly in response.

"Well, I believe you!" Zhao Ye bowed slightly, this guy is Lei Jun, the founder of Xiaomi, in terms of ability, there is no doubt that he will definitely be a member of the Wujiang Group in the future. In his previous life, when he was a boss in Kingsoft in the 90s, Ma Yun and Twist Vine were still little Karami.

Immediately, Zhao Ye's gaze swept over everyone in the conference room, reiterating the benefits and importance of Alipay.

……

At about 10 o'clock in the morning of the next day, Zhao Ye made an appointment with the president of the Industrial and Commercial Bank of China to meet.

At the headquarters of ICBC, inside the president's office.

Zhao Ye pushed the door in, smiling, and walked towards a middle-aged man in his forties.

"Hello, President Tao!" Zhao Ye stretched out his right hand.

"Comrade Zhao Ye, hello!" President Tao Kaixuan shook hands with Zhao Ye and said hello, and then invited the other party to sit on the sofa.

"President Tao, it's good if you call me Xiao Zhao or Zhao Ye!"

Tao Kaixuan nodded, poured a cup of tea for Zhao Ye, and then asked, "Xiao Zhao, do you have something to do with me?" ”

Zhao Ye nodded and said: "If you have nothing to do, you will go to the Three Treasures Palace, I am looking for President Tao to talk about a cooperation between Wujiang Group and ICBC!" ”

"Xiao Zhao, isn't it just cooperation, why do you need to come in person, you can just make a phone call." Tao Kaixuan said with a smile.

When Zhao Ye heard this, he thought to himself, if Alipay hadn't moved the bank's cheese, would I have come out in person?

In the previous life, in order to promote Alipay, Ma Yun and others were not qualified to cooperate with the head office at all, so at the beginning, they could only cooperate with bank branches, using their own funds and the funds in transit precipitated during Taobao settlement as bait to seduce the provincial branches of various banks to open payment merchants for them.

For the sake of their own interests, of course, they are willing to cooperate. Who cares if Alipay will touch the bank's cheese, anyway, our branch has made money.

In this way, Alibaba has opened up the situation by partnering with multiple branches of a bank in the same way.

The scale of Wujiang Group is not comparable to Alibaba, so from the very beginning, Zhao Ye planned to directly attack the head office of the bank, and after getting the head office of the bank, the online payment was basically done.

"President Tao, this cooperation is more important and affects the country's future finance, so I still want to talk to you in person."

Hearing this, President Tao Kaixuan asked in surprise: "Oh, what kind of cooperation is it?" ”

Zhao Ye said slowly: "That's the case, our company has developed an online payment software to facilitate online transactions!" With the development and improvement of e-commerce and the Internet, the scale of online transactions will become larger and larger, and its importance will become more and more important! ”

After a slight pause in his tone, Zhao Ye made his intentions clear: "Our company hopes that we can reach cooperation with the bank, and the bank can open online banking for depositors, and then connect with the Alipay online payment software developed by our company!" ”

"When users shop online, they can directly use Alipay to complete the transaction!"

Tao Kaixuan heard this and roughly knew the role of Alipay, but he obviously did not realize that Alipay could eat into the bank's market share.

Alipay's big killer move, Yue Bao, has not yet been developed after all.

In President Tao Kaixuan's view, Alipay is just an intermediate tool.

"Xiao Zhao, isn't the way of cash on delivery bad? When it comes to online payments, I think many people are worried about the safety of their funds......"

Zhao Ye shook his head and said, "There is indeed a security problem, but our company can solve it through technology." Basically, there won't be any major problems. The benefits of online payment are many, such as ......"

Zhao Ye thought for a moment and continued: "I'll just talk about three main advantages. ”

"First, the advantage of online payment is that the funds can be transferred directly from the user's bank card to the website account, and the remittance will arrive immediately without manual confirmation.

Second, online payment has the advantages of convenience, speed, efficiency and economy. As long as the user has a PC with Internet access, he can complete the entire payment process in a very short time without leaving home.

Third, the cost of online payment is only a few tenths or even one hundredth of traditional payment. Online payment can completely break through the limitations of time and space, 7 days a week, 24 hours a day working mode, its efficiency is beyond the reach of traditional payment! ”

As soon as the words fell, President Tao Kaixuan thoughtfully, picked up the tea on the table and took a sip, and then couldn't help but secretly say, this online payment is really as Zhao Ye said, it is very convenient, the cost will be much lower, and the development prospects are broad, it must be liked by the younger generation, if ICBC can take the lead in reaching cooperation with Wujiang Group, the advantages will definitely outweigh the disadvantages, and many people will take the lead in becoming ICBC's online banking users in order to use Alipay!

"Xiao Zhao, I don't think there is any problem with this cooperation, I can make the decision and agree to this cooperation!" Tao Kaixuan smiled and said loudly. ICBC is in competition with CCB, ABC and other banks, and the existence of Alipay can obviously help ICBC increase depositors, so why not?

When Zhao Ye heard this, he couldn't help but smile, stretched out his hand and said, "Thank you, President Tao, I wish us a happy cooperation!" ”

"Haha, okay, happy cooperation!" Tao Kaixuan immediately stretched out his right hand and shook hands with Zhao Ye.

Zhao Ye couldn't help but laugh when he saw President Tao Kaixuan so happy, I don't know if President Tao knew that Alipay would become a competitor of the bank in the future, would he still be able to smile so brightly at this moment?

Zhao Ye shook his head.

More on that later.

Let's get the current cooperation done first.

……

A few days later, when the bank had a deeper understanding of Alipay, it signed a cooperation agreement with Wujiang Group.

Of course, not only ICBC, but almost all domestic banks have reached cooperation with Wujiang Group.

If you don't cooperate with Wujiang Group, how do you want to grow and develop as a bank?

The turnover of Wujiang Group is so huge, a little bit of it can be put in the bank, and the bank's performance can soar.

The main reason is that they don't see the terrifying development potential of e-commerce and Alipay.

Otherwise, I wouldn't have easily agreed to this cooperation.

In fact, there are a few people in the world who know how the Internet is developing.

Even in the previous life, when the Internet bubble rose in the United States, people's understanding of online payment by e-commerce was still very shallow.

Alipay, Zhao Ye thinks that Wujiang Group can't eat alone.

When the time is ripe, it can be taken out for financing and absorb major domestic banks to become major shareholders.

You can't follow in the footsteps of Ma Yun.

I have to pay attention to the lessons of the past.

Compared with Alipay, Zhao Ye is actually more optimistic about WeChat payment.

In his previous life, Zhao Ye used Alipay less and less. Most of the time, WeChat Pay is used.

WeChat Pay is much more sticky than Alipay.

Therefore, although Alipay used it for financing, Wujiang Group can still grasp another third-party payment tool of WeChat Pay.

……

With the opening of online banking by major domestic banks at this time, Alipay is not far from launching.

It is easier to promote Alipay abroad, and Wujiang Group has its own bank, in addition to in-depth cooperation with other banks.

Once Alipay is promoted, there is no worry that these banks will not cooperate.

In fact, online banking can be used as an important means to rob depositors at present.

Wujiang Group casually engages in some preferential activities, such as users who use Alipay to pay, they can enjoy some preferential conditions.

What is not yet the stimulus of foreign banks have taken the initiative to open online banking?

(End of chapter)