Is the pre-promotion of Meituan, WeChat and Alipay true?

Individual ordinary users have personally participated, and the previous preferential promotion efforts are relatively strong, and the reduction is relatively large, especially for Alipay red envelope activities. Many people made a small profit. As long as they take the initiative, they can earn commissions and real cash.

At an investment promotion meeting of more than 200 people, a face-brushing payment service provider said this. The specific "principle" is that you can get 2,000 sets of WeChat frog face brushing payment equipment by paying 6,543.8+10,000 yuan, and the market price is 654.38+ 0.799 yuan. After the machines are sold, each machine can get a subsidy of 265.438+0,000 yuan, and there will be a running water share in the future.

Seeing that the payment for face brushing has been blown to the forefront, has it really given us a business opportunity that everyone can participate in? The investigation of the commercial street reminds you that there are many pits! Watch out!

At present, a large number of face-brushing payment companies in the market recruit service providers in the name of agent joining. Many people are deceived under the mixed situation of good and evil people. Some franchisees pay money, only to find that the legendary subsidies and rewards are simply not available. Some franchisees even found that the face brushing machine itself is a fake inferior machine, which can't be sold without official approval, which is equivalent to 6,543,800 yuan in Shui Piao. What's more, playing multi-level agents and developing off-line high rebates have become a pyramid scheme under the banner of "paying by brushing your face".

In the second half of 20 19, there were more and more such scams, and even Alipay couldn't sit still. Ant Financial issued an early warning notice about face-brushing payment at the beginning of 1 1, pointing out that "some companies are cheating under the banner of' official agents', and Alipay's face-brushing team has set up a special team to deal with many fraudulent companies, which needs to be rectified and upgraded and legal measures taken."

Brush face payment is a business opportunity for Alipay and WeChat to play.

Mr. Liu, a face-brushing payment practitioner, told the commercial street to find out: "We have long known that this face-brushing technology exists, and we have made relevant preparations such as software research and development, but we just don't know when to start marketing. As soon as Alipay announces the marketing of our business, we can start. "

This marketing opportunities was poached by Alipay.

When Qian Keduo, a manufacturer of face-brushing equipment, talked about the origin of face-brushing payment at their investment promotion meeting, he specifically mentioned that in September 20 17, the price of Alipay terminal in a KFC restaurant in Hangzhou was between 30,000 and 40,000, which was very expensive and difficult to promote. KFC is willing to try, because it has this strength, and another reason that can't be ignored is that its parent company Parkson China accepted Ali's shareholding on 20 16.

20 18, 1 1, the first generation of Alipay dragonflies F 1 was released, with a screen size of 10 inch, which can be seamlessly connected with the cashier. The important thing is that the price is only 2680 yuan, which is regarded as "epoch-making significance" by the payer. By March 20 19, wechat joined the battlefield and released the frog with an 8-inch screen, with a price of around 2000-2200 yuan. In April, Alipay quickly launched Dragonfly F4, and the price dropped again, ranging from 1499- 1999 yuan according to the purchase quantity. At this point, the bottleneck of hardware payment is no longer a problem.

It is worth mentioning that people in the industry have different views on the ecology of dragonflies and frogs.

Qian Keduo mentioned at the investment promotion meeting that he mainly pays attention to WeChat. Because Alipay's ecology is relatively closed, all companies that produce Alipay hardware equipment need to be Alipay's shareholding companies. The threshold is too high, and the pricing is limited to a range, neither high nor low. Wechat lists quality standards and certification standards. As long as it meets the requirements, it can be called a frog, so the WeChat ecosystem will have a broader prospect than Alipay.

Founded in May, 20 19, a person in charge of Liu Bang Technology, who claimed to be an Alipay service provider, told the commercial street that Alipay will be more influential in the future, because Alipay strictly carries out factory management and price management, which not only ensures the chaotic market price in the market, but also ensures that the face sweeper of dragonfly is indeed more stable in quality than the current frog.

On the other hand, Alipay and WeChat naturally unlock the data island problem of the traditional face brushing system.

Obviously, the brush face payment that can only be identified based on local collection is not a real brush face payment. Based on the mobile payment war in the era of QR code, Alipay or WeChat has established a mature payment system to ensure that every device has the support of "cloud".

An insider of Alipay told the commercial street to discuss the case: "In fact, it is not complicated at the technical level. Through 3D structured light and infrared live detection, the front end digitizes the facial features of consumers who have opened face scanning payment and sends them back to the cloud database for comparison. If the comparison is successful, the payment is completed. Consumers don't need to take special photos for this, because photos will be uploaded when Alipay establishes a payment account. If there are no photos of consumers in the back end, we will also call the data of the public security network for comparison. "

The person stressed: Considering data security and privacy issues, local devices do not store any consumer data collected on site, and these data will be stored in the cloud 12 months to prevent possible payment disputes, and then deleted.

Therefore, in fact, the terminal system undertakes the functions of on-site acquisition and data transmission, and does not need a complex system, which objectively reduces the cost of the terminal.

This is an industry that pays for face painting.

The industrial chain of brush payment revolves around Alipay and WeChat. Take Alipay as an example, they are responsible for basic technical support such as equipment and database connection and terminal security. In addition, mainly equipment manufacturers and service providers. At this point, Alipay is similar to WeChat. Let's take Alipay as an example.

The manufacturer is mainly responsible for equipment manufacturing. Alipay and WeChat have mastered the core components of the face brushing device, such as the camera. The screen, fuselage metal frame, appearance and other parts are handed over to the officially designated manufacturers. Alipay's designated manufacturers include Mi Shang, Mario, Tian Bo and He Miao.

Service providers are mainly responsible for equipment laying. There seems to be an upstream and downstream relationship between manufacturers and service providers. Most large equipment manufacturers have POS machines and cash registers, so they also have relatively mature mainstream market expansion networks, which are service providers themselves.

According to the investigation in the commercial street, there are two ways for service providers to make money by brushing their faces:

First of all, this is an official subsidy. The maximum subsidy for dragonflies in 0.7 yuan is 400 yuan per month, and the maximum subsidy for each dragonfly is 1.600 yuan in case of weight loss within 5 months; Frog maximum 300 yuan per 0.5 yuan, capped reward 1, 000. Each camera can get a 540 yuan reward for each camera if it is networked and reaches the active standard, so the maximum subsidy will be 1.540 yuan for each camera.

Second, the real "pie" comes from the "flowing point".

In fact, in the Alipay ecosystem, the threshold for becoming a dragonfly equipment service provider is not high. As long as you pass Alipay's real-name authentication, you can log in to Alipay's account on Alipay's open platform, fill in the information, and then purchase equipment to complete the signing, and you can start to be the agent service provider of Dragonfly. However, only when you become a dragonfly equipment agent service provider can you adjust the rate, and only when you become a "face-to-face payment" service provider can you adjust the rate and get long-term benefits.

This is actually the basic profit model from the era of pos machines to the era of QR codes.

The official rate for Alipay to pay in person is 0.6%. However, if the merchant cooperates with the official Alipay service provider and uses its back-office service system, the service provider can help adjust the rate, so the general service provider can mediate between 0.2% and 0.6%. At present, it is generally adjusted to 0.38% in the market, which means that the official income of Alipay is 0.2% and the profit rate of service providers is 0. 18%.

Because the scanning code market is mature, the rate is stable, and the face-brushing payment is a new thing, there is still more room for deduction of the rate. What merchants are most looking forward to is that the payment dispute between Alipay and WeChat is once again raging.

In an offline competition, the speaker explained this to the audience:

Alipay currently lags behind WeChat in the scene of indoor payment, and the usage rate is about 3 to 7. The reason is that people open WeChat every day, and it may take a few more seconds to switch to Alipay. "These seconds are fatal moments." The presenter said, "The face-brushing payment device bypasses Alipay's disadvantage in facing WeChat, because people don't have to rely on devices and apps, and the face-brushing device is exclusive, so merchants won't install two devices, right? Therefore, Alipay must win this war. As for WeChat, of course, I have to take it. "

Therefore, face-brushing payment not only attracts traditional service providers who have the motivation to promote face-brushing payment, but also attracts a number of new enterprises, and new routines are born.

A practitioner, Mr. Zhao, told the commercial street to explore the case: Now many service companies are using background management software to attract investment to join. The seemingly similar patterns are quite different behind them, and many pits are buried inside.

65438+100000 can start publishing agents by buying an OEM system.

According to the investigation of commercial street, technical ability is equally important in the payment ecology of WeChat brush face.

Then, at present, many companies in the market have neither equipment manufacturing ability nor software development ability, so where do the systems they use to attract investment come from?

According to the commercial street survey, there are hundreds of companies in the market, and their cooperation methods are also different. Here are some random examples:

Jiang Chuang Science and Technology in Hangzhou claims to be a technical service company for face payment. But strictly speaking, they are not official service providers, but can only be said to be a link in the face payment ecology. Their model is mainly selling software. Take its enabled version as an example. 800 yuan price 159. You can choose to pay a down payment. Generally, the down payment is 70%, and the system can be used directly. The methods used will not be interfered by the company. Alipay WeChat official subsidies are all applied for personal use, and the company cannot provide them. That is to say, "I sell things to you and show you how to use them, but I am responsible for my own profits and losses."

Jiang Chuang requires partners to own their own companies. Companies can apply for service provider qualification on Alipay Ant Financial Open Platform and WeChat official website, and then they can proceed to the next step. But if you buy their company's system, the company will also take care of everything for the merchants.

As for the thousands of customers mentioned above, it is a set of investment joining system. The joining system of thousands of customers is 30,000 bronze agents, 60,000 silver agents and 65,438+million gold agents. After joining and negotiating with merchants, Qiankeduo will help franchisees install 100/500/2000 sets of equipment for free.

In addition, Qianke gives franchisees the highest reward for each piece of equipment 1540 yuan. 540 yuan is part of the reward for activating merchants, but merchants are required to complete the face-brushing payment transaction of at least 50 users. The part of 1000 yuan is based on the transaction volume before March 3, 2020, and each transaction can get 0.5 yuan, up to 1000 yuan. According to Qian Keduo, this fee was paid by WeChat. It seems that agency fees and long-term running water of 0. 18% are the main sources of income for money customers.

Zhong Jian (Shandong) Technology Co., Ltd. (product name "Face Pay"), which claims to have a state-owned background, uses a more complex system.

Face Pay claims to be the official service provider of WeChat and Alipay, recruiting agents to promote dragonfly and frog equipment, including 30,000 in the city, 50,000 in the province and 70,000 in the country. Provincial generation and above have investment promotion authority, and can recruit lower-level agents. There are two kinds of subsidies: one is similar to many money customers, and the running water subsidies given by Alipay and WeChat will be distributed to agents; The other is the company subsidy, that is, the franchise fee refund policy. For example, if 200 units are laid, 70% of the joining fee will be refunded, and 250 merchants will be laid, and the renewal fee for the next year will be exempted.

However, in addition to directly acting as an agent, they also provide software sales services similar to those of Jiang Chuang Technology, and buyers can also make OEM orders.

In other words, a company without its own technical and service capabilities bought a system with 654.38+10,000 yuan. As long as it finds a "gold medal agent" according to the prices of many customers, it can recover all its investment. However, can such a semi-finished company provide perfect services for franchisees in the future?

The risk of joining a face-brushing payment agent is enormous.

The early warning announcement issued by Ant Financial at the beginning of 1 1 discloses the cheating path of scammers:

Routine 1, pretending to be an official staff member, the liar claims to be an Alipay staff member, and invites merchants to participate in offline job fairs or visit their companies under the banner of Alipay recruitment agents;

Routine two, over-commitment, exaggeration, luring merchants to participate with exaggerated "welfare" such as "so-called easy annual salary of one million";

Routine three, charging a high initial fee and being cheated into paying the agency fee of 50,654.38+10,000. After signing the contract, I found that the main company of the contract has nothing to do with Alipay. I don't know the specific situation.

In fact, Alipay officials do not support service providers to recruit agents. An Alipay insider clearly told the commercial street investigating the case that any company that uses the official dragonfly service provider to recruit agents can be considered a liar.

Some established companies coming from the era of pos machines and cash registers still have some strength, but the words used in the process of attracting investment are flawed. But obviously, some fraud companies got involved.

As mentioned at the beginning of the article, "Invest 65438+ 10,000 and earn 700,000+!" Take the WeChat Brush Face Payment Merchants Association as an example. It is claimed that franchisees can get 2,000 machines with 1 .799 yuan when they invest110,000 yuan, and each machine sold can get 2 1.000 yuan. The purpose of this "official service provider" is to subsidize the promotion losses and rely on value-added services such as advertising to make profits in the future.

But what they didn't make clear was that after paying 6,543,800 yuan, franchisees can only take dozens of machines at a time, and each machine has to pay 800 yuan deposit. As for the subsidy of RMB 265.438+000 per machine, it includes the 800 yuan deposit refunded after selling the machine and the subsidy after running water 1300 yuan. As for the machine itself, it may not be worth it at all 1799. If the franchisee can't sell it, there is no need to talk about the running water subsidy, and there is no need to talk about the refund of the deposit.

However, even the Shanzhai machine can't be touched after paying the money, which may be the normal state of being cheated.