Because of the rapid development of Internet in China, the online game industry has also advanced by leaps and bounds. At the beginning of the development of this industry, network companies, such as Shanda Online Games Company and Jiuyou Online Games Company, must have operating profits because they are all commercial operations. Where do their profits come from? That is, when playing online games, players need to buy virtual money in the game or play the game normally. Because online games face the whole country and game companies are in fixed places, there are problems in this way of buying, so game companies have developed a solution called physical game cards, which are sold nationwide, such as Internet cafes, supermarkets, canteens and other places. Players can buy corresponding game cards in these places, and log in to the game official website through the card number and password on the game card to make a game snap-up. In this way, players can go to the game and get the corresponding virtual currency (game card-equivalent to the mobile phone card of the mobile company). Later, due to the rapid development of the game industry, thousands of online games were continuously launched, and the game industry gave birth to a new game boom industry. In order to meet more players and more players who are inconvenient to buy game cards directly, an online charging platform, that is, a third-party payment platform, is formed, which is what people call a game recharge platform. On the third-party payment platform, the game recharge platform was first proposed by Ma Yun at the World Economic Forum in Davos in 2005. He said at the meeting that e-commerce should first be secure e-commerce. Without secure e-commerce environment, there would be no real integrity and trust. To solve the security problem, we must start with the transaction link and completely solve the payment problem. Ma Yun entered this field after seeing the threat that C2C might develop into B2B after EBAY entered China. After entering this field, I found that payment is the core problem to be solved by C2C, so I came up with the tool Alipay.

1. The third-party payment platform is said to be free? Since 2005, people began to pay attention to Ma Yun's words, and many similar third-party payment platforms appeared. As a solution to online transaction payment, Alipay is undoubtedly the farthest in this direction among all domestic competitors. Before 1, Taobao was the largest and only free customer of Alipay, and other online stores in China were paying users of Alipay. Therefore, the third-party payment platform game recharge platform is generally charged. EBAY's payment platform used to charge, but now it doesn't charge to compete with Taobao.

2. What does he earn? The first way: By constantly cultivating the C2C market, Taobao will start charging when it is big enough. Now Taobao does not charge, on the one hand, considering that the C2C market is not fully mature; On the one hand, they haven't figured out how to charge. The second way: From the commercial point of view, Alipay's profit model exists in many forms, and its powerful platform and strong partners may be the future profit source. Although Alipay has invested over 100 million yuan for a long time, compared with 10 cooperative bank, it cannot form negotiation capital. Future negotiations will inevitably appear on the bank's handling fees and remittance fees. At present, if the members who trade online are in different places, the remittance fee is about 1%. At the same time, if Alipay charges, there will be costs. When Alipay is big enough, you can package these two expenses into one sum to minimize the expenses incurred by the transaction. This will be a profit point of the payment platform. The third way: Alipay will be sold to other online stores as a solution to online transactions, instead of extracting a certain fee according to the total transaction amount like other domestic payment platforms. The third way: from logistics, because many domestic logistics systems are still not perfect, so the way of paying by logistics companies can not be realized. In addition, it is said that Alipay's profit comes from the interest and investment return of its residents' funds. However, Alipay, as a third-party payment platform, is supervised by China Banking Regulatory Commission. However, these funds are kept in the form of deposits, and banks pay their interest according to the agreement. The annual interest of 1 100 million yuan is about 65.438+0.5 million yuan. So its profit point lies in the handling fee of trading varieties and the interest of residents' funds. As for the return on investment, it is also untenable because of bank supervision.

3. What is the difference between Alipay made by Alibaba and traditional banks?

Answer: As a third-party payment platform, the game recharge platform ensures the safety of funds and commodities of buyers and sellers in online transactions. The seller will only deliver the goods after receiving the money through Alipay's virtual account, and the buyer will transfer the money to the seller through Alipay after receiving the goods and confirming that it is correct. As a financial enterprise, banks are only responsible for cash flow.

Second, the game recharge platform of the third-party payment platform integrates the capital flow (bank), information flow (transaction order) and logistics (logistics company) in e-commerce, which makes them organically connected and better improves the credit environment of e-commerce, which traditional banks can't do. Therefore, Alipay is only a guarantee company, which is essentially different from traditional banks.