Become the richest man in the world starting from the rebirth of college entrance examination

Guo Kaiyu has been very busy recently. He has never been idle for a moment since he came to the capital. This time, he has many more responsibilities than in the provincial capital. In the provincial capital, he is only responsible for the technical team and leads everyone according to Zhou Hao's instructions. He was asked to do development, but now, he is the general manager of Haobo Technology, and many things require his attention, understanding and even operation.

Fortunately, with the help of Lu Yatong, I was able to stay orderly in the chaos and not get confused by many complicated things.

On Saturday, Guo Kaiyu had just completed the docking with Baidu. In the future, the daily maintenance of the Light of Hope would be transferred to Baidu, and he had one less thing to do.

He planned to put down his best skills and quickly work with Lu Yatong to come up with the company's articles of association, performance appraisal, and personnel recruitment. Although Lu Yatong had planned a new department structure, the company was still in urgent need of talents. , these problems must be solved quickly, so that Haobo Technology can truly get on the right track.

On Sunday, Guo Kaiyu originally planned to sort out the performance appraisal plan at home, but Zhou Hao got a call, "Come to Huimin Garden and talk to you if I have anything to do."

As soon as Guo Kaiyu heard his tone, he knew that he must have a new mission. Although he felt miserable, there was a kind of pilgrim-like expectation and excitement in his bones.

He has long regarded Zhou Hao as his beacon in the Internet world and the only guide on his career path, so he has been looking forward to seeing what new things Zhou Hao has that will open his eyes.

So he took his laptop and took a taxi to Huimin Garden.

In Zhou Hao's living room, he heard Zhou Hao talk about the blueprint of "Alipay" for the first time.

Guo Kaiyu's first impression was that this blueprint was not big, it was just a means of online payment. Now that the viscosity of Light of Hope is so high, it is almost a necessity for parents of high school students. In this case, no matter how troublesome the current payment is. They didn't complain, and even if they did, it wouldn't affect their payment, so it seems right now. Concentrating so much energy on building an online payment platform is a bit of a fuss.

Zhou Hao didn't blame him for not having enough vision.

In fact, if you tell anyone on the Internet about Alipay’s most basic payment model, they probably won’t take it seriously.

Today, few companies are interested in online payment platforms. Because there is almost no demand for online shopping on the current Internet, the vast majority of Internet consumption behaviors are virtual products of online games, such as point cards.

However, online game companies have already developed offline payment channels. Online payment is not very attractive to them, and they will not invest huge efforts in doing this.

Zhou Hao couldn't tell him that the payment platform was just a means to gather users and bundle their habits. In the future, he would want nearly half of the capital flows on the Internet to go through Alipay. He would also let Alipay be paired with a huge e-commerce platform, such as Taobao. Internet; he will even become a major shareholder of JD.com before it becomes bigger, and finally turn Alipay into a super financial platform with huge capital accumulation.

Even Zhou Hao himself couldn't guarantee it. If you want to make Alipay yourself, can you start Alipay? Because Alipay has too many things to consider and worry about. It is also too easy to be controlled by policies.

After Guo Kaiyu saw Zhou Hao's product framework, he said with some worry: "These are all our wishful thinking. If the bank is not willing to open this interface for us, everything we have done will be in vain."

Zhou Hao nodded: "Is there anything else? Keep talking."

Guo Kaiyu said: "I don't know what to say, you are the boss after all. And although many of your past things are impossible in my opinion, your success again and again gives me absolute confidence in you. However, this It seems a little different this time. Compared with banks, we are too small after all. What I doubt is not Alipay’s model, but the links that Alipay needs to open up.”

Zhou Hao smiled slightly, "You are right. If you compare Haobo Technology with the banking system, it is the difference between sesame and watermelon. Not to mention the four major banks, even other commercial banks, we are far behind." Far less than that.”

Hearing this, Guo Kaiyu also frowned. Yes, how to establish cooperation with the bank? If this layer cannot be solved, the Alipay project will not be possible.

At this time, Zhou Hao changed the subject, and with a hint of confidence and a hint of mischief in his eyebrows, he asked, "Just, let me ask you, why do we have to deal with the entire banking system?"

Guo Kaiyu was stunned and didn't react for a moment: "What do you mean? Cooperate with a certain bank alone?"

"No." Zhou Hao shook his head: "We work directly with the lowest branch. For example, there is an Industrial and Commercial Bank of China branch downstairs."

"Cooperate with them?!" Guo Kaiyu didn't understand even more.

Zhou Hao nodded and smiled, took out a piece of paper, drew a cloud shape on it, wrote the word "Alipay", then drew a circle in the lower left corner, wrote "Light of Hope", and finally drew a circle in the lower right corner. Write "A branch in Beijing."

After drawing these, Zhou Hao focused on the circle of light of hope and repeatedly drew thicker circles and explained to Guo Kaiyu: "We are now able to attract cash from 5,000 paying parents. On average, it is no less than 5 million per month. This is only the initial stage of the Light of Hope. In the future, we will double this number. We may also go to Shanghai and Yangcheng to carry out the Light of Hope business. It may only take half a year. We absorb every month The payment funds will exceed tens of millions."

As he spoke, Zhou Hao drew an arrow from the circle of light of hope to the cloud of Alipay. "I used to transfer the funds directly to the bank account, but I don't do that anymore. I want to get the money." In Alipay, for any branch, this money represents huge benefits and performance. If I promise that this money will be deposited in their bank for a week or half a month, do you think they will treat me? Take it as what?"

Guo Kaiyu's eyes lit up: "I will offer you as the God of Wealth."

"That's right." Zhou Hao nodded with a smile and drew another arrow, from the cloud on Alipay to the circle of a branch in Yanjing, "Such a huge flow of funds is deposited in our Alipay. I can choose to put this amount The money is deposited with any bank. If I use this to discuss cooperation with them, I believe that any branch will not refuse, and I don’t need them to pay anything. The only thing I have to do is open an online payment merchant for me. For example, as long as an ICBC bank opens an online payment merchant for me, then all ICBC online banking users across the country can pay to Alipay or withdraw cash from Alipay through this channel!"

As soon as he finished speaking, Zhou Hao patted the piece of paper, pointed his fingertips at the Light of Hope, and said with an incomprehensible expression: "Don't forget, I have the golden sign of the Light of Hope. Now the Light of Hope is so famous. There are benefits for anyone who gets involved with him. Which bank do you think will refuse? If the light of hope in the future can be reported positively by China CCTV, then everything will be better! This is called making every effort to link up resources as much as possible! "

Guo Kaiyu's mind buzzed.

He still doesn't think Alipay will have much development prospects in the future, but Zhou Hao's method of making a big difference made him seem to have opened up a new world.

Just now, he was still struggling with whether it was Light of Hope, Alipay, or Haobo Technology. Even if all three of them were packaged, they would still be negligible in front of any bank. In this case, How can we open up the entrance and exit of this layer of funds?

However, Zhou Hao doesn't think so. He never thinks about how insignificant he is standing in front of the four major banks or any commercial bank, because he has already had his own calculations. All I want is a banker. It is just a recognized payment merchant. As long as you open an account in any bank, it is equivalent to having access to the entire network of this bank.

To put it simply, it is like a POS machine. As long as you apply for a POS machine, you can link your card payment merchant with the bank cards of all domestic banks.

For Zhou Hao, this operation can be said to be his biggest reliance on making Alipay, but he also told Guo Kaiyu without any secret, because he not only needed Guo Kaiyu to help him write code, but also needed Guo Kaiyu to grow and improve quickly and become someone who could help him. Heng Dao Li is a general, so many things must be taught to him to make him aware of the future development model of the Internet world, making him sharper and stronger.

Guo Kaiyu's admiration for Zhou Hao has once again reached a new level. With such a monster boss, his potential progress and improvement are beyond his imagination before. What's more, Zhou Hao is a boss who knows how to make profits. When it first started, he had already given options to Guo Kaiyu Haobo Technology. Compared with many bosses who only give employees a thumbs up, a boss like Zhou Hao is too rare.

Guo Kaiyu stood up excitedly and blurted out: "Boss, leave this matter to me. Within half a month, oh no, twenty days at most, I will develop Alipay for you!"