In fact, Alipay already existed in this world.
Also in 2003, Taobao, which was operated by Ma Huateng, suffered from the difficulty of transferring funds between customers and the platform. As a result, there were very few payment users on the platform. Users were even forced to use the payment card mode of online games to pay.
Therefore, with Ma Huateng's design and the full support of Daqian, Taobao launched the Alipay function in 2003, allowing users to pay directly on the Internet with Alipay.
In another world, Alipay was initially just an intermediary. There was no payment license, so payment at that time mainly relied on online banking.
In Hua Xia, as early as 1996, ZG Bank had already launched an online banking service. However, at that time, online banking only had the function of checking statements and so on, and did not involve monetary transactions. After all, online transactions at that time were full of danger, and the customer could not be identified.
In 2000, G&S Bank was the first to launch an online banking service that could support transactions. Although this online banking service was only limited to a portion of authenticated customers, and each transaction had to be made by the customer's exclusive customer service phone number to confirm the other party's identity before the transaction could be carried out. However, this was already a huge step forward.
Finally, in 2003, G&S Bank launched an online banking service for individual users. The transaction process was very cumbersome, and there was no electronic token at that time. Customers needed to receive an encryption card, which was a card with various horizontal and vertical numbers on the back like a chessboard.
During the transaction, the number in different positions needed to be entered according to the requirements to ensure that the transaction was done by the person.
Later, this encryption card became an electronic token, which became even more advanced.
However, Hua Xia officials were still very cautious about this. First, they strictly limited online banking to transactions with merchants. Generally, only internal bank transfers were allowed. Even inter-bank transfers were not allowed.
In addition, there was a 24-hour safety period for transactions. If the transaction was found to be abnormal during the safety period, the transaction could be canceled immediately, and so on. These were all characteristics of the era.
At that time, Alipay was keenly aware of this point. They began to make all kinds of contacts and discussions with G&S Bank. In the end, they convinced G&S Bank to embed Alipay directly into the transaction framework of ICBC. Users could directly transfer money to Alipay, and then Alipay would transfer money to the buyer. Thus, cash transactions could be completed directly on the Internet without leaving the computer.
This was a huge step forward.
It was the same in this era. G&S Bank had also announced a similar policy at the same time. It was not brought forward because of Boss Jia's appearance.
The main reason was naturally because this kind of matter that involved the savings of the common people had to be cautious and prudent. Everyone was crossing the river by feeling the stones and did not dare to move too quickly.
Therefore, the development of the Daqian's Alipay and the historical Alipay were almost exactly the same. In 2009, Alipay was just launched. Although it was already possible to use mobile phones to pay for water, electricity, gas, and other functions online, the mobile version of Alipay was actually a transplanted version of the web version of Alipay. It also required various means such as USB shields, secret security cards, and so on. It was not convenient, so there were very few users who used mobile phones to pay.
This situation would drag on until 2011. After Alipay obtained the first payment license from Hua Xia, there were two unprecedented breakthroughs: fast payment and QR code payment.
However, this time, the Daqian's launch was brought forward to 2009. At the final moment of the launch of the mphone 5, Boss Jia announced a shocking piece of news. That was, the Daqian had obtained the first payment license in China. At the same time, the Daqian had used 40 billion yuan to acquire Taobao's Alipay business and reorganized Alipay into Qianfu. At the same time, Qianfu would also be launched to all of the Daqian's subsidiaries and holding companies, forming a complete payment network.
The key point was mobile payment on the mobile phone.
The mphone 5 would have a built-in Qianfu function. At the same time, there would also be a button on the side of the mphone 5 to activate Qianfu's function. Users only needed to bind an online banking account to Qianfu, then they could easily use Qianfu to make payments in any situation.
Boss Jia personally demonstrated the Qianfu payment experience on the spot.
For example, when shopping on Taobao, after the payment process, Boss Jia could directly enter the password to make the payment. However, at the same time, Boss Jia only needed to gently touch the home button with his finger. He didn't even need to enter the password and completed the payment directly.
It wasn't until this time that the crowd realized that the fingerprint password could be used in such a situation and experience. It seemed that all of this was planned.
In addition, when it came to other online transactions, the same process was used. As long as the bank card was bound in advance and the identity was confirmed, then the payment could be completed directly. The speed was amazing, indeed, it greatly upgraded the payment experience. It felt like the money was gone in the blink of an eye.
However, this wasn't the most shocking thing. The most shocking thing to the audience was the scene of the offline transaction with strangers.
They saw a small cart selling egg pancakes being pushed to the stage. Just as the crowd was stunned, Boss Jia asked directly, "Master, how much is this pancake?"
"Three yuan with the egg. You can add the rest yourself!" The master said straightforwardly. Some people who worked nearby exclaimed. Wasn't this the egg pancake seller downstairs in their company?
"Then add two sausages for me!"
"Okay! Five yuan! " The master began to make the egg pancakes on the spot. He was very skilled. In less than a minute, a finished egg pancake was in Boss Jia's hand.
"Can I pay with a thousand yuan?" Boss Jia asked.
"Yes!" The master pointed to a small blue piece of paper on his stall and said, "This is my QR code for payment. You just need to scan it with your camera!"
"Hey!" Boss Jia pressed the thousand yuan button, and an image of scanning the QR code automatically appeared. He scanned the QR code, then entered the number of five yuan and paid with his fingerprint. The audience heard a sweet female voice saying, "Thousand yuan, 5.00 yuan!"
Well, this was the voice of the two sisters, Jia Jiafeng and Jia Jiayue. When the payment was successful, one of the two voices would appear randomly. The whole payment process didn't take more than five seconds.
"Damn!" Seeing this scene, all the audience opened their mouths wide and felt that their worldview was somewhat broken.
The egg pancake seller left excitedly. Then, a pastry cutter followed him to the stage.
Boss Jia bought a 20-yuan pastry cutter and said, "Boss, do you also scan the QR code?"
"No, just touch it. I'm also using an MPHONE5!" The pastry cutter said proudly.
"OK." Boss Jia pressed the Thousand Payment button and then bumped into the pastry cutter's mobile phone. After that, Boss Jia took the mobile phone and directly entered the amount of payment. After that, he confirmed it with his fingerprint and the whole payment process was completed. It was much faster than scanning the QR code.
This was the ultimate mode of mobile payment.
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