Deceit is deception.

Regarding the traffic restrictions at the online banking gateway, Shi Jinglin told Zhou Buqi last month.

Last month, Shi Jinglin held a 91 shopping festival, which was unprecedentedly grand.

At its peak, millions of people placed orders at the same time.

Then, the payment system for on-campus group purchases, that is, the membership purchase business, had some problems. It was not a problem of itself, but the response time slowed down when connecting with online banking.

Some students even reported in the on-campus group purchase that there were many problems in the payment process, and they had to pay three or four times before the payment was successful.

The problem lies with online banking.

Once the traffic of commercial websites like Friends.com and Taobao increases, they must find ways to take various measures to improve their infrastructure.

Purchase servers, expand databases, research big data processing algorithms, etc.

But what about online banking?

In the payment process of online shopping, online banking does not take a commission. Not taking a commission means that they have no profit in the process and it is a purely public payment facility.

This is very troublesome.

For example, this time, in order to cope with the increase in traffic, Taobao needs to purchase 1,000 high-end IBM servers, with a total cost of more than 100 million US dollars. Even if online banking has money, it will be difficult to spend money on this kind of business that only has expenses and no income.

Even if you want to purchase, the speed is very slow.

More importantly, the wave of online shopping is coming, and more and more people are starting to use online shopping. Taobao does not do cloud computing, and all profits will be eaten up by the expanded servers and databases.

What to do with online banking?

Do online banks also have to spend huge sums of money every year to continuously expand the load of payment gateways?

Even if you are willing to spend money, technology is still an obstacle.

Big data processing can be called one of the most high-end technical fields in the Internet industry. The best talents work in Internet giants, and few people choose to go to online banking.

It can be seen that even if banks have money and are willing to spend money to continuously strengthen the infrastructure of online payment, their technology cannot keep up and cannot bear the huge load of hundreds of millions of people shopping at the same time.

For example, the early train ticket purchase was criticized miserably by people across the country when it first went online. It cost hundreds of millions and was a complete mess. It could not withstand the huge traffic of people across the country who wanted to buy tickets online.

Later, Internet giants launched third-party ticket purchasing systems one after another, using technical means to forcibly connect with 12306, solving some of the problems.

Later, the railway people gave up their resistance and gave up the struggle, and handed over the business to Alibaba Cloud. With Alibaba Cloud's 12306, it can truly solve the needs of people across the country to buy tickets online.

In order to solve the traffic problem of group buying on campus, Shi Jinglin held a meeting with the technical team and came up with three solutions.

First, cancel the 91 Shopping Festival.

There are only 20 million college students in the country. As long as we do not hold such a powerful shopping festival and attract millions of college students to rush to buy, the online banking gateway is fully capable of handling the traffic of college students.

Of course Shi Jinglin was not willing to give in.

She finally managed to create such a big scene and achieved great success. How could she just give up like this?

Second, contact online banking and hope they will increase the carrying capacity of the gateway.

This is too difficult.

The bank is a state-owned enterprise with a high status and a tyrannical style. People look down upon the small business of on-campus group buying. More importantly, online banking does not have the ability to do such public welfare things. Without money and technology, let alone nothing.

Heart, there is no power even if there is heart.

Third, bypass online banking.

This road seems to be the only option.

It contains huge risks.

If you don't do it right, you'll lose your head.

In peacetime, financial stability is the top priority for social stability. The reason why the country has made policy requirements that all online payments must go through the online banking system is a major measure to ensure financial stability.

Who dares to go around it?

After Zhou Buqi heard what Shi Jinglin said about this matter, he also rejected the first two options.

Bypassing online banking is an inevitable trend in Internet finance in the future.

But times have not developed to that extent yet.

According to domestic Internet practice, it is to develop first and regulate later. The relevant departments cannot understand and let the private sector do it first to avoid curbing innovation.

If it is done well, a policy will be issued and formally approved. If it is not done well, a regulatory policy will be issued and rectification will be required.

Other issues are easy to discuss, but this involves the financial field, which is an extremely sensitive area. If there is a problem, it will not be as simple as rectification, and you may have to go in.

Even though Zhou Buqi was foresight and knew the future trend, the country did promulgate relevant regulations and approved the behavior of Internet finance to bypass online banking in the form of payment licenses.

But that was four years later.

At this stage, for Zhou Buqi to go against the trend and commit crimes, to go against national policies and bypass online banking to make online payments... he really doesn't have the guts.

Fortunately, there is still Lao Ma.

On-campus group buying is only a small business of Ziweixing, so Zhou Buqi is not in a hurry. But Lao Ma is different. Taobao is the soul of Alibaba, and online payment is the most critical issue.

Zhou is not in a hurry, but Lao Ma is in a hurry.

The first person to eat the crab can only be Lao Ma, who risked his life to rush in and bypass online banking to make payments. Of course, Lao Ma is not a fool. He is constantly looking for connections and backers. Once

If something goes wrong in the future, at least you can save your life.

Zhou Buqi knew a little about what was going on here, so he kept a respectful distance and had no involvement at all.

Once Lao Ma gets these things done in front of the stage, he can just share the benefits from behind.

Let the old horse bear the risk.

Let’s share the benefits with everyone.

In fact, it's not just Zhou Buqi, everyone in the circle is waiting for it. Every company with online payment business is suffering from online banking.

Zhou Buqi felt a little sorry for Lao Ma, so he gave him a good idea and said: "Lao Ma, did you watch the 91 Shopping Festival held by the school network last month?"

Boss Ma praised: "Yeah! What a great idea! In September next year, Taobao will also join in and hold this shopping festival together."

Zhou Buqi was almost angry to death and hummed: "The 91 Shopping Festival is a shopping festival for college students. Why are you participating blindly? Do you think Taobao can beat on-campus group buying in the university market? Don't stare, I have a good idea for you.

."

"Um?"

Boss Ma is a little curious.

Zhou Buqi said kindly: "As far as I know, Taobao's sales in the fourth quarter have been relatively low in the past few years, right?"

Boss Ma nodded and sighed: "Yes, from National Day, to Thanksgiving, as well as Christmas and New Year's Day. Every holiday like this, shopping malls have discounts and promotions. People all go to offline stores to buy and shop online.

It’s cold.”

"We have to find a way to solve it!"

"Do you have a good idea?"

"Learn from me!"

"Huh? Shopping festival?" Boss Ma's eyes lit up, and he was a little excited, "Imitate the 91 Shopping Festival, do an online shopping festival in the fourth quarter, have an online carnival, and compete with offline shopping malls for market share?"

Zhou Buqi said: "People have a certain amount of money in their pockets. If they go to offline stores to consume, they will not shop online. If we want to improve our performance in the fourth quarter, we must create something more powerful than offline shopping malls."

Attractive promotions.”

Boss Ma took a deep breath and praised it, "Yeah! It makes sense, it makes sense! Xiao Zhou, you young people are still smarter. This idea is very right."

Zhou Buqi said: "The significance of shopping festivals is not only promotions, but more importantly, branding and attraction. For example, for the 91 Shopping Festival, next summer, we plan to do a series of publicity, and posters will be posted in every school across the country.

In high schools, let college entrance examination students know about the College Shopping Festival and build its reputation."

Boss Ma understood what he meant and nodded repeatedly, "Yes, that's true. College entrance examination students will probably not buy computers, mobile phones or other school supplies in advance if they know about the College Shopping Festival on September 1st.

They wait for this shopping festival after enrolling in school. Shifting their consumption from offline to online will not only bring a lot of revenue to the school network, but also further strengthen the momentum of the 91 Shopping Festival, forming the Matthew effect."

Zhou Buqixin said to the owners of offline stores, this is all Lao Ma’s bad idea and has nothing to do with me!

The more Boss Ma thought about it, the more he felt that his suggestion was very good. "Actually, Taobao also has some promotional activities from time to time, but the scenes are too small. It should be like the 91 Shopping Festival, triggering a shopping carnival-like shopping festival."

, just like Black Friday in the United States. Only in this way can it trigger a herd effect and attract more people to participate."

Zhou Buqi coughed lightly and said: "The fourth quarter is October, November, and December. I think Taobao's shopping festival can be arranged in November. Leave more than a month for the website to publicize and promote.

, and also give users time to save money.”

Boss Ma was convinced, "Yeah! It should be like this! Xiao Zhou, your suggestion really helped me solve a big problem. It seems that the marketing plan for the fourth quarter needs to be redone... Well, I have to go back to Hangzhou right away.

City, arrange this matter."

"What? So urgent?"

"What date is this? Of course we have to hurry up."

"I thought you were going to start doing it next year."

"No need!" Boss Ma waved his hand and snorted, "Next year, Baidu's e-commerce platform will be launched. Before they come, let's set the tone of the shopping festival!"
To be continued...