The Pentium Era - South to North

Zhang Chen walked behind the desk. He stood and Xu Qiaoxin sat, communicating with Jessica on MSN. Xu Qiaoxin translated Jessica's words to Zhang Chen, and then translated Zhang Chen's meaning into English. The MSN dialog box was sent.

After saying a few words, Xu Qiaoxin took a long breath and cursed: "Grandma's!"

Zhang Chen was taken aback. He didn't know what she was scolding. He thought she was really asking for a price increase. He was still thinking about what kind of words he should use to respond. After Xu Qiaoxin translated, he breathed a sigh of relief.

It turned out that Jessica came to Zhang Chen not to discuss price adjustments, but to tell him that the sales of the lamps he designed had been good in the past two years and asked him if he could help design some Christmas supplies. Christmas supplies were theirs. At the end of each year, a big piece of business comes.

Their current designers are either from the United States or Europe, and the things they design cannot escape the original framework. Their company feels that they are becoming less and less innovative, so they thought of Zhang Chen to see if there was anything he could do. Offer some creative ideas with an oriental twist.

Zhang Chen agreed to Jessica's request and agreed to give it a try.

Jessica told him that there is no limit to the products, ranging from Christmas decorations to Christmas gifts.

Zhang Chen said yes.

After communicating with Jessica and saying goodbye, Xu Qiaoxin looked at Zhang Chen, patted her chest and said, "Oh my god, I thought the devil from Target came out and was going to lower the price again, but luckily it wasn't."

Then he said to Zhang Chen: "Come on, boss, it's up to you whether you can give me another big order."

According to Jessica's past habits, if they approve the product designed by Zhang Chen, they will usually place the order with them and let them find a suitable manufacturer. This saves them a lot of trouble in the early stage. There are people who help them control quality issues, so Xu Qiaoxin said this.

Zhang Chen smiled and said: "Then why don't you flatter me quickly?"

"Okay, boss is so handsome. You are really handsome today, is that enough?" Xu Qiaoxin said, Zhang Chen laughed, and even He Hongmei, who was sitting at the conference table, also laughed.

After Xu Qiaoxin left, Zhang Chen was about to go back to the conference table when he saw Zheng Huihong looking for him on MSN and sent him a smiley face. Zhang Chen quickly sent back a smiley face to show that he was there.

Zheng Huihong said: "Mr. Zhang, I have good news for you. We have found a solution to online payment."

"What can we do?" Zhang Chen asked.

Zheng Huihong: "Secured transaction."

"What's the meaning?"

Zheng Huihong said: "You sell something online, and the other party pays the money immediately, but the money does not go directly to your account, but to the account on our website first. You ship the goods, and after receiving it, the other party feels that there is no Question, click OK, and we will pay you the money on our website right away."

"I understand." Zhang Chen said, "You are giving a guarantee to both parties to the transaction. In this way, the seller does not have to worry about sending the goods and not receiving the money, because the money has already arrived at your place. People don’t have to worry about not receiving the goods after paying the money, because the money has not yet reached the hands of the seller, and the money will not be paid until he receives the goods.”

"Yes." Zheng Huihong said, "If there is a dispute, our customer service will resolve it."

"Great! What a genius design!" Zhang Chen said, "Who came up with it, Teacher Ma?"

"No, it's Uncle Cai."

"Who is Uncle Cai?"

"That's what you saw the other night."

"There were so many people that night, who was it?" Zhang Chen asked.

"Oh, I can't explain clearly. Next time you come, I'll introduce you to him." Zheng Huihong said.

"Okay." Zhang Chen said, thinking that he really wanted to meet such a talented designer. Zhang Chen asked Zheng Huihong: "When can I start using it?"

"Immediately, starting tomorrow, the buyer can choose for all transactions. He can choose the original method or a guaranteed transaction."

"Okay, help me praise your Uncle Cai." Zhang Chen said.

"I remembered, Mr. Zhang, you two have actually dealt with each other before," Zheng Huihong said.

"Just that night?"

"No, the camera you bought was sold by him." Zheng Huihong added a laughing expression.

Zhang Chen also laughed: "No wonder, it turns out to be this profiteer."

"It's not that he is a profiteer, it's that you are a fool." Zheng Huihong smiled, "Wei Wenfang is here, Mr. Zhang, I will accompany her to find Teacher Ma."

"Why did Wei Wenfang go to your place?" Zhang Chen was confused.

"She came to discuss cooperation with Teacher Ma. We chose them as the courier company recommended by our website, and they offered discounts on postage."

"This is pretty good!" Zhang Chen said.

"Then I went?"

"good."

Zhang Chen stood up and walked to the conference table with a smile. He Hongmei looked at him and asked, "What's the good thing about being so happy? Is that American woman ogling you?"

"No, it's Zheng Huihong."

"Zheng Huihong is ogling you?" He Hongmei giggled.

"Go away." Zhang Chen cursed, "You told me about a genius design."

Zhang Chen told He Hongmei what Zheng Huihong told him about the secured transaction, and He Hongmei also shouted: "This is really good. This way, everyone will save trouble."

Zhang Chen nodded and said, "Yes, I think Zheng Huihong and his company can win in the competition based on this."

After Mr. Ma and his colleagues launched Taobao.com, they developed rapidly, but they were not without competition. On the contrary, the competition was fierce. At that time, there were two e-commerce websites with the same model, one was eBay in the United States. (eBay), and there is also eBay (EachNet), which is also said to be from the United States, but is actually made by the Chinese.

The scale of these two companies is larger than that of Dibao. Especially on July 11 this year, eBay merged with eBay with 150 million in cash and launched the joint auction website "eBay eBay". In this way, Their scale is even larger, putting a lot of pressure on Diobao.com.

But their problem is the same. They still haven't solved the payment problem for online transactions. Now that Dibao.com has taken the lead in solving it, Zhang Chen feels that Dibao.com will definitely catch up from behind. They have a sharp knife and have taken over online payment with one blow.

Later facts also proved Zhang Chen’s judgment. Since Dibao.com launched guaranteed transactions, almost all consumers have chosen guaranteed transactions. Sellers also welcome this method. In this way, they don’t have to spend anything. I spent all my energy and wasted words with the buyer on the payment issue.

The payment method of Dibao.com quickly determined the guaranteed transaction model and named this model "Payment Guarantee."

When eBay discovered that they were actually lagging behind Diobao in terms of payment methods in competition with Diobao, they also launched their third-party guaranteed payment plan. But by this time, it was already too late. In the Internet era, One step later, every step later, "payment guarantee" has become deeply rooted in the hearts of the people and has become synonymous with third-party payment.

With this secret weapon, Dabao.com grew rapidly. In less than a year, it surpassed eBay in terms of transaction volume, and eventually beat eBay to the ground, with no possibility of turning around.

Zhang Chen told He Hongmei about Wei Wenfang again, and He Hongmei said that Wei Wenfang's mind was really fast.

Zhang Chen smiled and said: "I have never seen anyone who is as dedicated as Wei Wenfang in doing business. It would be unreasonable for her not to succeed."

"What about you?" He Hongmei asked.

"I can't do it. I did it half-heartedly. Look, I made clothes and then went to the market. After I made the market, I went to the Lakeside Oil Painting Gallery. After I made the oil painting gallery, I went to the logistics base." Zhang Chen said, "Now I go to the market again." I started running a hotel, and look at Wei Wenfang, who only focuses on express delivery. If I were to be as focused as her, the clothing business would definitely be bigger than it is now."

"Yes, just because you are so humble, you are teachable." He Hongmei said, and Zhang Chen laughed.

Later, after Teacher Ma and their "payment guarantee" became bigger, Zhang Chen saw Zheng Huihong again and told her, you are now so powerful that even eBay has been defeated by you. This "payment guarantee" is really one of yours. A sharp knife.

Zheng Huihong said nothing.

Zhang Chen continued: "I have done a calculation for you. You have made a lot of money because of this, right? The buyer will pay you the money first. After he receives the goods and confirms it, you will then pay the money." When you go out, there should be at least a week in between. During this week, the money will be in your account. If you add up little by little, you will form a huge pool of funds.

"The old ones keep being paid out, and the new ones keep coming in. In this way, there is actually a huge amount of funds that is always deposited in your account. This fund pool should be at least several billion. You take this money, You don’t need to do anything else. You can earn a lot by just depositing it in the bank and earning interest. The buyer pays and the seller collects the money, but there is no such thing as interest.

"You, Teacher Ma, still complain about being poor every day. You are so good at pretending."

Zheng Huihong shook her head worriedly and said, "Mr. Zhang, let me tell you, don't tell others. In fact, several of our internal staff are very worried. They worry about something happening every day. It can be said that they are doing it with trepidation. Teacher Ma I can’t sleep at night because of this.”

"What are you worried about?" Zhang Chen asked.

"There is actually a legal risk in paying insurance," Zheng Huihong said.

"What legal risk?" Zhang Chen was confused and asked Zheng Huihong.

"Illegal fund-raising." Zheng Huihong said.

When Zheng Huihong said this, Zhang Chen immediately understood. It is true that the most important criterion for illegal fund-raising is to raise funds from non-specific members of the public. Zheng Huihong's company is not a bank and does not have a financial license. They do not have any financial license. The reason is to collect money from the public.

But so many people have indeed transferred so much money to their company's account, and there is no normal trade relationship between them and the buyers. If this matter is really confirmed, it is indeed suspected of illegal fund-raising. In addition, there was a lot of room for ambiguity in the identification of the crime of illegal fund-raising.

"No wonder your teacher Ma keeps saying that payment insurance only helps solve the payment problem of online transactions. You have no choice but to do this. If the country needs it, he can hand over payment insurance to the country at any time." Zhang Chen said with a smile, " He is retreating in order to advance, pretending to be in mourning, leaving a way for himself to retreat, right?"

Zheng Huihong remained silent and smiled bitterly.

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