EG :: Volume #12

#1123: Third-party payment ( 6 / 10 )

LNMTL needs user funding to survive Read More

Pays the software? Kirilenko is not quite clear, didn't have online bank? Did we develop to pay the software to do, sold to bank? 支付软件？基里连科不太明白,不是有网上银行了吗？我们开发支付软件干什么,卖给银行？ Sees the Kirilenko somewhat vacant look, Feng Yu explains: „Brother Ki, you looked that the payment model of present internet/network commercial city has two types right? An online payment order, then delivers goods. One type is under the order, the delivery payment is right?” 看到基里连科有些茫然的神色,冯宇解释道:“基兄,你看啊,我们现在网络商城的支付模式有两种对吧？一种的网上支付订单,然后发货。一种是下订单,货到付款对吧？” „Right, one type is to receive the bank account transfer, one type is to collect the cash, that payment software that you said that does?” “对啊,一种是收银行转账,一种是收现金么,你说的那个支付软件,是干什么的？” The payment software that „I said that is called the third-party payment platform, is a credit medium. You look at our present payment patterns, the delivery payment, by the opposite party returned goods, then we in vain was lost easily the transport expense not saying that but also is easy to create the goods backlog, this pattern, is initial one type the means of not having the means that the attraction customer, increases our prestige the way.” “我说的这个支付软件,叫做第三方支付平台,也就是一种信用中介。你看我们现在的支付方式,货到付款,容易被对方退货,然后我们就白白损失了运费不说,还容易造成货品积压,这种模式,是初期一种没办法的办法,吸引顾客,增加我们信誉的方式。” „Directly through net silver payment, goods that once that receives, with patting is inconsistent, does not have the means returned goods. Others money received, what to do can you? To refund money, that was too troublesome, will make the customer have one type to be worried to be deceived, but cannot bring back the feeling of bringing in money.” “直接通过网银付款,那么一旦收到的货品,与拍下来的不一致,没办法退货啊。别人钱都收了,你能怎么办？想要退款,那就太麻烦了,会让客户有一种担心被骗,而拿不回来钱的感觉。” „At this time, needed a third-party payment platform, was I said that the payment software that we developed. The buyer pays us money, we inform the seller to deliver goods. Waited for the buyer to receive the goods, after confirming, we paid in money the account of seller again, during this, we formed a credit guarantee.” “这时候,就需要一个第三方支付平台了,也就是我说的,我们自己开发的这个支付软件。买方将钱付给我们,我们通知卖方发货。等买方收到了货品,确认之后,我们再将钱支付到卖方的账户中,这期间,我们形成一个信用担保。” „If the buyer thinks that the goods have issue, then can sue, after website verification, some funds have not paid to the seller, then refunds money is quite easy, will not have the situation occurrence that the seller depends on is not rendering back the money. This is one type provides the protection payment platform to the buyer, can increase website credit enormously. Moreover can substitute for the delivery payment, avoids wasting the transport expense in vain. After the buyer must the goods return, can receive own money, this can also avoid the loss of seller.” “如果买方认为货品有问题,那么可以投诉,网站查实之后,这部分资金并没有支付给卖方,那么退款就比较容易,不会有卖方赖着不还钱的情况发生。这是一种给买方提供更多保护的支付平台,能够极大的增加网站的信用度。而且还能取代货到付款,避免白白浪费运费。买方要将货品退回之后,才能拿到自己的钱,这样也能避免了卖方的损失。” Kirilenko has as if understood, pursues asks: „Why do others believe you? The medium makes the credit guarantee, you must have the good credit record, making others believe that is good.” 基里连科似乎听懂了,追问道:“那别人凭什么相信你啊？中介做信用担保,你也得有良好的信用记录,让别人相信才行啊。” Feng Yu has referred to Kirilenko, has referred to own nose: „We are the credits. We give this third-party payment software to make the guarantee. Your my net worth, makes the customer believe sufficiently that we will not deceive their money, but their money were deceived, we can also repay.” 冯宇指了指基里连科,又指了指自己的鼻子:“我们就是信用。我们来给这个第三方支付软件做担保。你我的身家,足以让客户相信,我们不会骗他们的那点钱,而他们的钱被骗了,我们也赔得起。” „Do we make the guarantee?” Kirilenko has not thought of this point, but careful thinks that probably is really reasonable. Nobody believes that Feng Gen he will deceive customer that money. The present user current capacity is not big, even if one day 1 million lists, one only at the most 1000 US dollars, that is ten hundred million volumes of trade. These money, their any person, can relaxed being able to repay. “我们来做担保？”基里连科没想到这一点,但仔细一想,好像还真有道理。没有人会认为,冯跟他会骗客户那点钱。现在的用户流量根本不大,就算一天1000000单,一单顶天就1000美元,那就是十个亿的交易额。这些钱,他俩任何一个人,都能轻松的赔得起。 „It is not right, Feng, that can bank agree?” Kirilenko thinks of an issue. “不对吧,冯,那银行能同意吗？”基里连科想到一个问题。 „This must discuss with bank, what we provide is the guarantee, does not pull out one point of profit, moreover can increase the bank money flow enormously, why will they reject?” “这就要跟银行商量了,我们提供的是担保,不抽一分利润,而且还能极大的增加银行的资金流量,他们为什么会拒绝？” „Wait / Etc., don't we pull out one point of profit? If we make the credit guarantee, needs to invest also many? Did not say the software development, even if the software operation, the fund that needs to spend is not the small number. We do not pull out the one cent, do we do to invest? That was not owes!” Kirilenko looks at Feng Yu expression, as if thinks that the brain of Feng Yu had been clamped by the gate. “等等,我们不抽一分利润？如果我们做信用担保的话,需要投入的也不少吧？不说软件开发,就算是软件运营,需要花费的资金也绝不是小数目。我们不抽一分钱,难道我们就干投入？那不是亏死了！”基里连科看冯宇的眼神,似乎认为冯宇的脑子被门夹了似的。 „, We will not owe, we through this software, will gain to more money. This software has completed, the profit that in the future can get, may surpass the internet/network commercial city.” “不不不,我们不会亏,我们会通过这个软件,赚到更多的钱。这个软件做好了,未来能获得的利润,或许会超过网络商城。” „I come to cite two simple examples to you, very simple financial principle. What you look at our ordinary bank are, is you opens an account, bank gives you to take care of money, then must give you regularly the interest. Naturally, bank does not owe, invests with this sum of money, for example makes loans and buys fund anything's making money.” “我来给你举两个简单的例子,很简单的金融原理。你看我们普通的银行是什么样呢,就是你开一个账户,银行给你保管钱,然后还要定期给你利息。当然,银行也不亏,就是用这笔钱投资,比如放贷、买基金什么的赚钱。” „In this most important point, is an tent. Regardless of you store or disburse, tent, but this tent, is the biggest profit is.” “这里面最重要的一点,就是一个帐。无论你存入还是支出,都有一个帐,而这个帐,才是最大的利润所在。” Kirilenko this chapter is the brain is completely insufficient, his financial knowledge, was too far compared with the incoming messenger with Feng Yu. He who Feng Yu started to say has understood, but Feng Yu said that the tent was the biggest profit is, he does not understand. 基里连科这回是脑子完全不够用了,他那点金融知识,跟冯宇比起来差太远了。冯宇开始说的他都听懂了,但冯宇说帐是最大的利润所在,他就不懂了。 What profit the tent has, is a record, this thing, valuable? Must say that makes the forged account, then this tent is very valuable to certain people, but the major part, is the true account, value what money? With this tent, but can also make money inadequately? 帐有什么利润啊,就是一个记录而已,这东西,值钱吗？要说是做假账,那么这个帐或许对某些人来说很值钱,但绝大部分,都是真正的账目吧,值什么钱啊？用这个帐,还能赚钱不成？ „You know that the US does have a credit to record? Do they weigh the credit record? Most main, passes the bank tent! Your deposit how many, flows in how many every month, how many flows out, how many lending money has, repayments whether prompt wait / etc., do these you understand?” “你知道米国有一个信用记录吧？他们是怎么衡量信用记录呢？最主要的,就是通过银行的帐！你存款多少,每月流入多少,流出多少,借贷有多少,还款是否及时等等,这些你明白吧？” Kirilenko nods, shakes the head. These he understands, that tent that but his Feng Yu said makes money, he is not clear. 基里连科点点头,又摇摇头。这些他都明白,但他冯宇说的那个帐赚钱,他还是不明白啊。 Feng Yu patient explanation: „Every month flows, can judge your income. Every month flows out, can judge your attitude toward consumption. But destination that flows out, was most important. Through this tent, we can clear seeing, this person make anything, likes going shopping. In this, naturally must make a big data analysis, analyzes importantly, is a consumption habit.” 冯宇耐心的解释道:“每月流入,可以判断出你的收入。每月流出,可以判断你的消费观。而流出的去处,就最重要了。通过这个帐,我们可以清楚的看到,这个人是做什么的,喜欢买什么东西。这里面,当然要做一个大数据分析,分析出来最重要的,就是一个消费习惯。” „Through this tent, I knows that your consumption habit, in advertisement push, I had the superiority, can more targeted, pushed you to be interested the advertisement was right?” “通过这个帐,我就知道你的消费习惯,那么在广告推送方面,我是不是更加有优势了,可以更加有针对性的,推送你感兴趣的广告对不对？” Kirilenko nods, this right, likes drinking like him actually, wants with the person who he works, the first choice is asks him to drink, especially thoses he has not drunk liquor. 基里连科点点头,这倒是没错,就像他喜欢喝酒,很多想跟他合作的人,第一个选择都是请他喝酒,尤其是那些他没喝过的酒。 The previous generation many person surfers can discover that has the peach treasure advertisement, the above some push advertisements, once spent to have the relations with you. Even in all other nets buy on website, gives advertisement that you push, with this related, because of these website, what same uses is the same funds third-party payment software. 前世很多人上网会发现,一些有桃宝广告的,上面的一些推送广告,都跟你曾经的消费有关系。甚至在一切别的网购网站上,给你推送的广告,也跟这个有关,因为那些网站,一样用的是同一款第三方支付软件。 This also merely is the buyer, that side the seller, has the enormous value similarly. 这还仅仅是买方的,卖方那边,同样有极大的价值。 „Also a little, that through this tent, we can know, which product sells is better, can therefore make it increase the productivity, but can also , because the output enhances, but cost reduction.” “还有一点,那就是通过这个帐,我们能知道,哪种产品卖的更好,于是可以让其加大生产量,还能因为产量提高而降低成本。” This is previous generation online these explodes the funds the origin, does not have the support of these big data, who knows that which product can such fire, dare to produce that many? But third-party payment software can very clear awareness, which product be able to become explodes the funds. 这就是前世网上那些爆款的由来,没有这些大数据的支持,谁知道哪个产品能如此的火啊,敢生产那么多吗？而第三方支付软件就能很清楚的知道,哪种产品会成为爆款。 Kirilenko somewhat excitedly said: „Like this we can enhance the website amount of consumption is right? This also is really a good thing!” 基里连科有些兴奋的说:“这样我们就能提高网站的消费额对不对？这还真是一个好东西！” Feng Yu „......” 冯宇“……” Have you thought of enhancement amount of consumption? You have not thought that explodes the manufacturer cooperation of funds with these? Even if you sell also to make a profit this news! 你就想到了提高消费额？你没想过,跟那些爆款的生产厂家合作？哪怕你将这个消息卖出去也能获利啊！ ......( To be continued.) ……(未完待续。)
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