In fact, Alipay already exists in this world.

Also in 2003, Taobao, operated by Mahua Teng, suffered from the difficulty of the transfer and remittance model between customers and the platform, resulting in the lack of payment users on the platform, and even forced users to use the online game's point card model to make payments.

So with the design of Mahua Teng and the full support of Daqian, Taobao launched the Alipay function in 2003, allowing users to directly use Alipay to pay on the Internet.

In another world, Alipay was just an intermediary at the beginning and did not have a payment license, so the main reason for making payments at that time was online banking.

In fact, as early as 1996, zg Bank had already launched an online banking service. However, at that time, online banking only had the functions of checking bills and other things that did not involve money transactions. After all, online transactions were full of dangers at that time and it was impossible to determine the customer himself.

In 2000, GS Bank took the lead in launching an online bank that can support transactions. Although this online banking is only limited to a number of certified large customers, and each transaction must be made by the large customer to call the exclusive customer service number and confirm the other party's identity before the transaction can be conducted, but this has been a huge improvement.

Finally, in 2003, GS Bank launched an online banking service for individual users. Although the transaction process was very cumbersome and there was no electronic token at that time, customers needed to receive an encrypted card, that is, there were various numbers behind them, horizontal and vertical like chessboards.

When trading, you need to enter numbers in different positions as required to ensure that it is your own transaction.

Later, this encryption card became an electronic token and became more advanced.

However, Huaxia officials are still very cautious in this regard. First of all, they strictly restrict online banks from directly conducting transactions with merchants. Generally, only internal transfers between banks are allowed, and even interbank transfers are not allowed.

In addition, transactions have a 24-hour security period. If you find that the transaction is abnormal during the security period, you can cancel the transaction immediately, etc. These are the characteristics of the times.

At that time, Alipay keenly noticed this node. They began to try every means to engage in various contacts and negotiations with GS Bank, and finally convinced GS Bank that Alipay could be directly embedded in the transaction framework of Industrial and Commercial Bank of China, and users directly transfer money to Alipay, and then Alipay transferred money to the buyer, so that they could directly complete cash transactions on the Internet without leaving the computer.

This is a huge progress in the era.

This era is similar. GS Bank also announced relevant policies at the same time, and did not advance due to the appearance of Boss Jia.

The main reason is naturally because such things involving the people's deposits must be cautious and cautious. Everyone crosses the river by feeling the stones and dare not walk too fast.

Therefore, the development history of Daqian Alipay is almost exactly the same as that of Alipay in history. By 2009, Alipay had just been launched, and it paid online water, electricity, gas and other functions. Although it can already be paid by mobile phones, the mobile version of Alipay is actually a transplant version of the web version of Alipay. It also requires various U-shields, secret security cards, etc., which is not convenient, so there are very few users who use mobile phone payments.

This situation will last until 2011, when Alipay obtained the first payment license in China, and then there were two unprecedented breakthroughs, such as fast payment and QR code payment.

However, this time, Daqian was ahead of schedule in 2009. At the last moment of the press conference of the phone5, Boss Jia announced a shocking news, that is, Daqian obtained the first payment license in China. At the same time, Daqian acquired Taobao's Alipay business for 40 billion yuan, and changed Alipay into Qianfu. At the same time, Qianfu will also launch all its subsidiaries and holding companies under Daqian to form a complete payment network.

The focus is mobile payment on mobile.

Mphone5 will have a built-in Qianfu function. At the same time, there will be a special function button on the side of the Mphone5 phone that activates Qianfu. Users only need to bind a online banking account to Qianfu, so they can easily use Qianfu to pay in any scenario.

Boss Jia also personally demonstrated the payment experience of Qianfu on site.

For example, when shopping on Taobao, after the payment process, Boss Jia can directly enter the password to pay, but at the same time, Boss Jia only needs to touch the key with his finger, and he doesn't even need to enter the password, so he directly completes the payment.

It was not until this time that everyone discovered that the fingerprint password also had such use scenarios and experiences, and all of them were planned.

In addition, the same process is also true when trading online. As long as you bind the bank card in advance and determine the identity, you can directly complete the payment. The speed is amazing, which has indeed greatly upgraded the payment experience. It feels like the blink of an eye and there is no money in an instant.

But this is not the most shocking thing. What shocked the audience the most was the stranger trading scene of offline transactions.

I saw a small cart selling egg-filled cakes being pushed onto the stage. Just as everyone was confused, Boss Jia asked directly, "Master, how much does this cake cost!"

"Take eggs for 3 yuan, you can add the others yourself!" the master said readily, and some people working nearby exclaimed, isn't this the one selling egg-filled biscuits downstairs of their company?

"Then add two sausages to me!"

"Okay! 5 yuan!" The master started making egg-filled cakes on the spot, and was very skillful. In just over a minute, a prepared egg-filled cake was held in Boss Jia's hand.

"Is Qianfu okay?" asked Boss Jia.

"Yes!" The master pointed to a small piece of blue paper sticking on his stall and said, "My payment QR code, just scan the camera!"

"Oh!" Boss Jia pressed the Qianfu button and a scan of the code automatically appeared. He scanned the QR code, then entered the 5 yuan number, and then paid with his fingerprint. The audience heard a sweet female voice saying, "Qianfu payment: 5.00 yuan!"

Well, these are the two voices of sisters Jia Jiafeng and Jia Jiayue. When the payment is successful, one of the two voices appears randomly. The entire payment process does not exceed 5 seconds.

"Damn!" Seeing this scene, all the audience opened their mouths wide and felt that their values ​​were a little broken.

The master who sold egg-filled cakes left excitedly, and then a master who was pushing the cake to cut the cakes came on stage.

Boss Jia bought a 20 yuan cut cake and said, "Boss, do you also scan the QR code?"

"No, just touch it. We are also using phone5!" said the cake chef proudly.

"oK" Boss Jia pressed the Qianfu button, then collided with the cake-cutter's mobile phone, and then Boss Jia took the phone and entered the payment amount directly, and then confirmed the fingerprint. The entire payment process ended, which was much faster than scanning the QR code.
Chapter completed!