Ali is busy laying out network payments, but still has a lot of resistance.

Liu Yun thought that he would first complete the layout in the social field, and then wait until the network payment was popularized, and the fruit was picked directly.

As a person from the past, he knows that he only needs to establish advantages in the social field of mobile, and then accelerate the promotion of network payment, which has the effect of doing more with less.

But now, the threat of WeChat is imminent, and the development speed of Alipay is also very rapid.

He felt that he could no longer change with the same, but should do something to be true to his Internet giant identity.

However, the higher the status, the larger the goal, Liu Yun in the second step, consciously to avoid some sensitive points.

He is ready to promote online payments from another way.

“Repay the bank’s credit card with a letter?”Ren Dezi was a little surprised, and was also surprised by this proposal of Liu Yun.

This is money repayment, accounting, not payment, theoretically, it seems that there is no financial risk, and it will not pose a threat to the bank's existing business.

At this time, the bank also repay the credit card to exempt the handling fee as long as two ways: 1, directly to the corresponding bank counter repayment.2, binding and credit card accompanying debit cards.The rest of the way, fees are required.

In addition to the above two methods, every time you repay the amount, no matter the amount, there will be a fee of 2 yuan.

For those who are troublesome, the economic conditions are relatively loose, 2 yuan is just a lottery ticket money, and they are not willing to run for this little money, but many people still have a gap in their hearts, for this fee, inexplicably feel a little uncomfortable.

“As a president, cross-bank credit card, the handling fee is really not low.”Liu Yun paused for a moment and continued, "A sum of 2 yuan seems to be not much, but under the accumulation of time, it is not a small number, which is actually a big obstacle to the business promotion of credit cards."

Ren Deqi thought for a while, but also a little agree with Liu Yun's words, said: "It makes sense, Liu always wants to online banking repayment, debit card repayment, counter repayment in addition to these three modes, open up a new way."Through the third-party APP software, to complete the repayment of credit card, I think this approach is feasible."

The fees for cross-bank repayment are not all taken by the bank, and some of them will be withdrawn by the bank for repayment.Moreover, this fee is only an insignificant existence for the bank.

Ren Dezi squinted his eyes and paused for a few seconds, continuing: "The key is that the problem of repayment fees is that it is definitely cheaper than cross-bank repayment, but it is impossible to be free."

After all, if you pay for free, it is very bad for the promotion of the bank's debit card and the plan to bundle it with the credit card.He can’t dig a hole for himself.

“What a brilliant!”Liu Yun silently scolded a word.

Getting something out of these state-owned banks is not an easy task.It’s just the four major lines.

He had a little more admiration for Ali’s old horse.

“As a president, free is the best publicity boo.”Liu Yun sighed, "If the credit card business of the bank is doing well, various preferential activities continue to be launched, but the four major lines are also strong."I think that since we want to cooperate, we should adopt a free strategy, even if you add a deadline to the front.After all, we need to start the name first.”

He asked, “The deadline?”How long?”

Liu Yun replied, “Five years?”

Ren Deqi's head immediately shook like a rattle and replied: "Five years is too long, almost a year."

Liu Yun scolded in his heart, and said with some disappointment: "As a president, the time of one year is a little too short, and it is too late to cultivate the market."

Ren Deqi said helplessly: "President Liu, please understand that this is a state-owned bank, unlike you, you can completely decide."One year is within my authority, and I can give the maximum period.”

It's a shame, old fox!

Liu Yun's heart was dark, but his face showed a movable color, saying: "I am too anxious, did not take into account the difficulties of the president, ashamed."

He touched his chin, frowned and mused for a moment, and continued, "It's a year in that year, better than none."

After listening, Ren Deqi seemed to be relieved, and he was worried that Liu Yun would continue to insist on a long time, which would be difficult.

This is clearly a mutually beneficial cooperation, and he does not want to lose this opportunity.

However, Liu Yun also has his own abacus: "As a president, after that year, in terms of repayment fees, continue to give some concessions."

Ren Deqi was somewhat surprised and asked: "After the expiration, will Liu always let the netizens repay the money themselves?"The fee is one in a thousand, not out of the house, as long as the phone gently, can be repayment, I believe most people are very happy to accept this policy.

Liu Yun shook his head and smiled: "Even after the expiration of one year, Yuxin will still adhere to the model of free repayment... for several years, so this fee is melodious."President, see in the face of our cooperation, should we give more concessions in terms of fees?”

Ren Deqi was somewhat surprised: “Yo-Yo money?What is that picture?If it is to promote WeChat, this money is not a small amount, will it not be worth the loss?"

His age, although he also roughly understands the Internet, certainly no few big men in the industry understand so deeply.The eyes of the two are completely different.

Liu Yun's finger gently tapped the tabletop, her body leaned back, leaned back on the back of the chair, and said indifferently: "The Internet is a money-burning industry, rather than burning in other places, it is better to burn on the letter."I can only pay attention to the idea of relying on this platform to facilitate netizens to simplify the repayment process, reduce costs, and also take the promotion of your credit card business, which is more and more in one fell swoop."

In this case, Ren Deqi is embarrassed to be embarrassed to lose another penny.

People pay their own fees, but also help you promote the business, you should more or less mean.

"Liu, what kind of concessions do you need, give me a general statement, I can go back and fight for it."

"Our original plan was to waive the repayment fee in 2011, so the next three years, that is, 2012, 2013, and 2014, a single repayment amount of less than 1,000 yuan, also exempted from the handling fee."More than $1000, calculated at p.m., by p.m.?”

"This..." Ren Deqi is also an old fox, soon found the funnel inside, "if a netizen's repayment amount is 2000 yuan, in order to avoid the handling fee, you can pay it back twice."This condition is almost devoid of any means.”

The first plan was unsuccessful, but Liu Yun still had a follow-up approach.

“Yes also!”He showed a sudden color, "This is my negligence..., a single month accumulated 1000 yuan in the following handling fee?" 」

This proposal is to fill the previous loopholes, but he feels that the single month 1000 is still too much.

“In fact, I think 1000 a year is almost the same.”

“He’s really good!”Liu Yun cursed a word of helplessness and continued: "As a president, everything is gradual and gradual."In this way, 1000 yuan a month in 2012, 1000 yuan a year in 2013, and a cumulative 1000 yuan in 2014.Fees, we can bear, but also a little bit of a thousandths of a little bit of it.”

Ren Deqi touched his chin, thought for a moment, thought that this condition was acceptable, but also asked: "Four years later, that is, starting in 2015, what kind of policy is your policy."

Liu Yun said frankly: "Only fight for the morning and the evening, I can't think about things for too long."In 2015, we’ll sit down and talk.I believe that after four years of cooperation, the two companies will have an answer in their hearts."

Ren Deqi nodded with great emotion and said, “Yes, if the cooperation is pleasant, it is not a big problem at all to continue.”All right!I'll go back and talk to other people about it, and it's no problem."

He did not find that Liu Yun was a little relieved to breathe a sigh of relief.

Today, the transaction was taken, and the credit card business of the next four lines will become logical.Many things are rare and often the first step, and once the domino effect is triggered, it will become irreversible.

One year, perhaps not a year, Liu Yun is confident that you will expand your credit card repayment business to four major lines.

Today, several major banks are wary of Alipay, which has a fierce and abnormal momentum of the rise.

After all, it is possible for users to deposit money that will be stored in the bank to the Alipay.

But the volume of Yoyo's wallet is not so large, and it is unlikely to attract the attention of these banks.

Moreover, Liu Yun's hand has a trap.

It seems that Yo-Sin only adds a function of repaying credit cards, which is more convenient and fast, which is very conducive to these banks to carry out and even promote their own credit card business.This is a great initiative to benefit these banks.

But there is a hidden, and difficult to find, is the deeper subconscious in the minds of netizens.

After they see this credit card repayment function, they will look at the security and reliability of Yoyo and Yoyo wallets a higher level, followed by a higher level of trust, and the status of this product will be more stable.

Then gradually, the amount of deposits in your wallet will become more and more, for Yoyo, this is the working capital of real money.

These money can be taken to invest in high-quality products, even if you do nothing, there will be interest in the bank, and these interest is enough to make up for the payment of credit card repayment fees.

If Alipay is a knife for the bank to see blood, then the letter is a dark knife without blood.

After Ren Deqi left, Liu Yun sat alone in his position, leisurely sandwiching vegetables and drinking wine.Lei Jun said that he would come back to his old friends, and he went for half a day.

Just when Liu Yun was a little bored, Rebs was flushed, holding a red wine glass in one hand, and holding a person in the other, and came back with a smile.

Liu Yun looked up and saw the people around Lei Jun, is this not a long-lost red coat?

This guy, like Rebs, is a famous angel investor, and the two are very normal.

But after leaving Yoyo, Lao Zhou chose to start a business, but it has been flat and dull, not much better, compared with the scenery of Rebs at this moment, some dwarfed.