Reborn multinational giant

Player recharge problems have always been one of the most serious problems in the game operation process, but after all, Zhongle has been established for a long time, and there are dozens of games that have been operated. Although this problem is serious, it is not without experience in handling. , But this time, it was because a lot of players were affected and the scope was very wide, so more problems were induced.

Because "Tomb of the Gods" is currently the only-generation game promoted by Zhongle, the number of players is very large, whether it is the existing players in the game or the new influx of registered players every moment.

The base number is large, and the number of players who use third-party recharge is affected. Therefore, many bad-tempered players make noise directly in the game and insult the Zhongle platform and developers on the world channel. Chaos, such as killing trumpets, affects other players' normal games.

"The situation is temporarily under control. Our operation department has issued an official announcement on each server of the game, suspending the recharge service of this channel, and indicated that the problem will be fixed as soon as possible and the relevant players will be compensated."

Li Yifei has been responsible since the establishment of the Zhongle Page Game platform. He has long experience in dealing with these problems. This time it is also because of the big impact of the incident, which is a serious operational accident. According to the system, he must report to Fang Zhe.

"Has the problem been found out? Is it a technical problem or is it?" Fang Zhe asked again.

Li Yifei nodded and explained: "It has been found out. It is a technical problem, but it is not a problem on our side, but a third-party payment channel called Yipay that we cooperate with has a problem."

Fang Zhe leaned back on the chair, but he thought of other problems. There are many recharge channels for various games operated on the Zhongle platform, including the most traditional point cards, online banking, and third parties such as Alipay, Tenpay and other large and small payment channels can be used to recharge. There are more than ten recharge methods, and there is no Zhongle or Huizhong’s own recharge channel.

One is that Huizhong does not currently have this business, and the other is that it wants to develop a third-party payment business that directly connects with the bank. The company must have sufficient strength, and the bank cannot open it to a company casually. These important and sensitive business data interfaces.

In the previous life, in order to strengthen the supervision of third-party payment institutions, the central bank issued corresponding payment management measures in 10 years, and only issued the first batch of domestic third-party payment licenses in September 2011.

Since then, all third-party payment institutions or companies without a license are not allowed to conduct payment business without authorization.

In order to obtain a third-party payment license, Alipay, which is owned by Alibaba, has also tossed many things such as splitting Alipay.

It is widely rumored in the industry that the market price of such a payment license starts at 10 million yuan, and this is still priceless. I don’t know how many companies squeezed their heads for such a license.

After the central bank suspended the issuance of payment licenses for 15 years, latecomers who want to obtain a license can only be transferred or acquired by a licensed company. After the calculation, each one includes bank card acquisition, Internet payment, mobile payment, etc. The prices of licenses with different functions are in the hundreds of millions or even more than a billion.

From a short-sighted perspective, the payment business is just a third-party payment channel, not a big deal. In the long run, the payment business is related to various money-linked businesses such as Internet finance, credit investigation, and O2O business.

In the previous life, Ant Financial, where Alipay under Alibaba was located, had a valuation of 150 billion U.S. dollars in the capital market before it went public in 18 years. It is conceivable that the payment business and its associated financial business have a promising future. How broad, Papa Ma’s vision is unmatched, and Fang Zhe, a rebirth person, naturally cannot be indifferent in front of such a big cake!

Fang Zhe thought for a while, the payment business can't be delayed any longer!

Now, Alipay, under Alibaba, has been established for more than 5 years, and Tenpay under Tencent has been established for more than 4 years. The sooner it starts its payment business, the sooner Huizhong can catch up with the accumulation of the two companies in this area. Strength.

In the era of mobile Internet, with the explosive growth of mobile Internet users and the emergence of various O2O payment scenarios such as takeaway taxis, payment services and financial services will also enter a period of rapid and vigorous development. If you miss this time, Huizhong will later If you want to enter this field again, it is as difficult as it is difficult to accomplish anything. Baidu Wallet and Baidu Finance, which Baidu has been unable to do, are a living example.

Judging from the current business scale and revenue strength of Huizhong, it is not impossible to cooperate with banks to develop payment services. Although the current regulatory window has begun to narrow, it is much more relaxed than two years later. Many third-party payment companies or institutions are basically established before or now.

However, with Huizhong’s current businesses, it is difficult to nurture and grow the payment business, but it is inherently difficult. Don’t look at the tens of millions of users on the Zhongle platform, but there are only a few paying users among them. It's just over one hundred thousand. Compared with Ali's e-commerce business and Tencent's various online life businesses, such a volume is at best a drop in the bucket.

As for Huizhong’s mobile game and terminal game business, terminal games are still in their infancy, and mobile games are also focused on overseas. Let’s not talk about how difficult and complicated issues such as policy and regulation need to be dealt with to expand payment business overseas. .

Let’s just say that on the Apple appstore, Ali’s Alipay did not log in to the Apple appstore until the end of 2016, not to mention the payment business that Huizhong doesn’t even have a movie, let alone the Android side. Huizhong does not have certain internationally Before the impact, I am afraid that no company would be willing to use Huizhong's payment business.

However, when you doze off, someone will give you pillows. Although Huizhong's business is not enough to support the development and growth of the payment business, Huizhong can invest in foreign aid!

For example, the honey bud established by sister-in-law Wang Nan, although it has only just begun, but behind it represents hundreds of billions of maternal and child markets, trillions of GMV and transaction volume. The previous JD Finance did not rely on it. Is my own e-commerce platform slowly started?

This is the first and second, Fang Zhe and Huizhong can also invest in other e-commerce platforms or O2O business companies in advance, such as Jingdong, Jumei Youpin, Mogujie, Are you hungry, Meituan, Didi, Ofo, etc. A large number of companies with massive payment services can all require them to use Huizhong's payment services under the binding of investment relationships.

The reason why Tencent bought a stake in JD in the past was on the one hand to counter Ali’s e-commerce business, and on the other hand, to prevent the expansion of Alipay and expand the expansion of WeChat Pay. Fang Zhe remembers that JD banned Alipay.