Chapter 703 If the bank doesn’t change, change the bank

Author: Linjiangxian

Chapter 703 If the bank doesn’t change, change the bank

"Not doing this will cause trouble!"

Lu Yiming said seriously: "Ordinary players who follow the rules will not do such things, and those players who cause trouble harm the interests of other players, so they must be banned. You don't want to be cheated by others when playing games, right?

When people who are liars hate liars, are they also destroying their goodwill towards the game?"

Jiang Rongfa thought for a while and said: "That's indeed what happened. Then I will draft a game announcement immediately and severely crack down on cheaters."

But Lu Yiming knew that this was only a temporary solution, not the root cause. After all, there are many ways to cheat. If someone cheats you of a top-quality piece of equipment, as long as you resell it in time, what will happen if your account is banned?

The way to get rid of the problem is to standardize the transaction process of virtual equipment and guarantee it in an official capacity to make the transaction safe and reliable.

Lu Yiming told Jiang Rongfa about this matter. Jiang Rongfa was just about to leave when he suddenly felt a little embarrassed: "Yes, the account ban only treats the symptoms but not the root cause. The key is to establish a standardized transaction process."

Lu Yiming said: "If you want to develop a website, you can learn from the current Ali and build a platform to trade online game items. Not only the games under our Junzi Interactive Entertainment, but any game can be on this platform

Conduct transactions. The core principle is that buyers and sellers link things to our website, and the website serves as a transfer station. After one party pays, the money is frozen on the platform until the other party completes the transaction. Vice versa."

The platform guarantees it, so that fraud can be effectively prevented.

And the most important thing is that this trading platform can be used as a pilot. At first, it will only trade virtual items in the game, continue to accumulate experience, solve technical problems, and then expand the scale and merge it into Luming Mall to list a separate virtual transaction.

section comes out.

In fact, what Lu Yiming wants to do is the future 5173, but 5173 was launched in November 2003. Now there is still more than a year for Junzihuyu to cut off the beard.

To put it bluntly, the principle is very simple. Isn't this the current online shopping? It's just that the products are game items. Jiang Rongfa admired the endless ideas in Lu Yiming's mind.

However, he still had some questions: "Then how can we ensure the safety of both parties' property?"

Nowadays, even credit cards may be stolen, and online shopping is even more troublesome. For users, account security is a top priority.

Lu Yiming said: "We can join the verification code system."

"Captcha system?"

Jiang Rongfa was a little confused and didn't know what Lu Yiming was talking about.

The term CAPTCHA was first proposed in 2002 by Louis von Ahn and others at Carnegie Mellon University.

Right now, there is no such concept in the world.

Lu Yiming said: "Yes, the so-called verification code system means that after registering an account on our platform, each time you log in, a string will be generated by the system formula and automatically sent to the mobile phone bound when the account was registered. Users must

Fill in the specific dialog box with the information we sent

string to successfully log in to the website. As for the intermediary, I plan to enable Alipay. This is a payment control developed by Yixun Technology and should be completed soon. Integrate this thing into the web background, a two-pronged approach, with the current technology

, which can basically eliminate the risk of theft.”

Alipay is a task that Lu Yiming has given Zhang Xiaolong a long time ago. Lu Yiming has clearly written the principles and functions in the product book. When Lu Yiming asked Zhang Xiaolong some time ago, Zhang Xiaolong said that it has begun to take shape. It just so happened that through virtual transactions

platform and Luming Mall to verify and improve the functionality and reliability of the Alipay system.

Anyway, Brother Xiao Ma is still busy building his Alibaba. Even Taobao was not launched until 2003, and the Alipay system was even later. Lu Yiming believes that if he comes up with the Alipay system now, Jack Ma will definitely not have any objections——

At that time, we can also use the improved Alipay system to cooperate with Alibaba, which is perfect.

In addition to software development, a virtual mall must also establish relationships with banks. After all, money must flow through bank accounts.

"Do you need to enable payment controls? It's not necessary. Isn't the previous point card recharge system very easy to use?"

Jiang Rongfa didn't understand. It seemed to him that the two functions had some overlap.

Lu Yiming said firmly: "Payment software must be developed. The previous recharge system had too many shortcomings, was very troublesome to use, and was not convenient at all. Moreover, this software is very useful and can change the bank."

"

While talking, Lu Yiming had already written the preliminary concept document of the verification code system and sent it to Jiang Rongfa.

At the same time, Lu Yiming was thinking that he could apply for a patent for this thing, and when smart phones start using it, he could earn a lot of money.

For some things that were of no use or that were not particularly profitable, Lu Yiming had no intention of applying for a patent and just used them. But for those things that could change the industry structure or even the rules of the world, Lu Yiming applied for patents without saying anything.

.Not to mention whether we will use these things to make money in the future, at least we cannot let others apply for a patent and then come to choke his neck.

After Lu Yiming finished chatting with Jiang Rongfa, he called Xu Wentao again.

"Secretary Xu, how are you doing lately?"

Xu Wentao said politely: "Thanks to you, it's good."

Lu Yiming smiled and said, "Let me tell you something."

"Well, you say."

"I plan to get a financial license. Do you have any concerns?"

"You want to get a financial license?"

The expression on Xu Wentao's face disappeared, and his tone was full of surprise.

The financial industry occupies a unique position in the national economy, and any national government will attach great importance to the establishment and supervision of financial institutions.

In our country, the issuance of financial licenses is based on corresponding laws and regulations.

Under normal circumstances, laws and regulations will clarify the naming characteristics, capital funds, shareholder background, corporate governance and operating structure and other requirements or conditions of financial institutions.

The establishment, change or termination of financial institutions in my country are subject to review, approval and interim supervision by the People's Bank of China, the China Banking and Insurance Regulatory Commission, the China Securities Regulatory Commission and the Ministry of Commerce.

Therefore, the entity that is granted the license actually obtains the ability and strength to operate or engage in certain business activities on behalf of the official recognition. This is also the so-called threshold for employment brought by the license.

Money is easy to come by, but licenses are hard to find. Financial licenses have always been strictly controlled and are the focus of competition among various institutions.

Lu Yiming did not shy away from it, and directly told Xu Wentao about how players in "Legend of Blood" were easily deceived when trading, and also talked about the idea of ​​building a trading platform. If this trading platform is to be legal, it must have a financial license.

.

This is also the reason why many websites in later generations directly connect to the Alipay system. Because they do not have a payment license themselves, they can only borrow Alipay.

If someone else came to mention this matter to Xu Wentao, Xu Wentao would definitely hang up without saying anything.

What can you do with a payment license?

To exaggerate, you can open a bank!

Open a bank!

Think about it, what will happen if a capitalist opens a bank?

As long as it works well, it's a perpetual motion machine!

"Mr. Lu, I have to say, are you making such a big fuss and even asking for a payment license just to prevent an online game player from being deceived? Isn't it a bit of a fuss? There has never been such a precedent before.

"

Lu Yiming smiled and said: "It's okay if there is no such precedent. I like to do things that others have never done. Games are just the most inconspicuous part of it. You know, I am currently engaged in e-commerce, Luming Mall. This thing

In the future, I envision it will create employment for millions of people. Without this financial payment license, I can’t do it.”

“Create employment for millions of people?”

When Xu Wentao heard this, his first reaction was disbelief.

What size of company can accommodate one million employees?

Of course, there are not all companies with more than one million employees in the world, but without exception, they are the most famous companies in the world.

As a local official, the employment rate is a very important indicator. So Lu Yiming's words made Xu Wentao a little excited.

"Are you telling the truth?"

Lu Yiming said without hesitation: "Of course it's true. When have I ever told a lie?"

"All right."

Xu Wentao thought for a while and decided to side with Lu Yiming: "I can fight for you and help you apply for a financial license. But whether you can get it depends mainly on you. Also, this payment software must be absolutely

Be safe, otherwise if something happens, no one will be able to handle it."

Lu Yiming said with assurance: "Don't worry, there will be absolutely no problem in terms of safety. If anything happens, I will compensate you!"

With Xu Wentao's strong support and Lu Yiming's status as Asia's richest man, the application for a financial license went very smoothly, and the subject of the application was "Alipay Network Technology Co., Ltd."

There are ready-made templates here, and Lu Yiming will certainly not modify them blindly. Alipay is regarded as an independent operating entity and holds a payment license. Luming Mall and future virtual trading platforms or other corporate entities are all partners of Alipay.

.

Back then, Jack Ma really "suffered a lot of humiliation" in order to obtain a financial license. It was far less smooth than Lu Yiming.

Probably because there is no endorsement from Lu Yiming, the richest man in Asia.

But none of this matters.

Now that Lu Yiming has obtained Alipay's financial license, Jack Ma no longer has to suffer the humiliation.

After obtaining the financial license, it is time to connect with the bank.

But in the process, Lu Yiming hit a wall.
To be continued...