Chapter 725 Fraud(1/2)
"Mr. Ma, we have received some feedback in the past two days that some users have been defrauded by scanning our shared bicycles."
Yi Weili and Chen Weiwei came to Ma Yibo's office;
Originally, Chen Weiwei had reported this matter to Yi Weili, but for some unknown reason, Yi Weili asked Chen Weiwei to go to the boss's office together after a while.
This is how Yi Weili initially reported to Ma Yibo.
“A user scanned our shared bicycle and was defrauded”?
"Yes, Mr. Chen told me just now, and I asked the technician to verify it. The user said he paid a deposit, but we didn't receive it at all";
After Yi Weili finished speaking briefly, he looked at Chen Weiwei and motioned for Chen Weiwei, the person directly in charge, to tell the details.
"Mr. Ma, it's like this. Since the day before yesterday, users have been calling and saying that they paid a deposit of 299 yuan before and applied for a refund after riding once. But it's been three days and there's still no refund.
If you want to refund, just ask us when we will refund you”;
"The customer service reported this matter, and the technical department just started checking, but no deposit record of this customer was found in the background. Our customer service called the customer to explain the situation";
"The customer emphasized that he did pay 299 yuan and sent a screenshot of the recharge";
"We also saw that the payee was not Aunt Qin, but a collection unit named Aunt Tai";
“In the past two days, users have been calling one after another, and the customer service team also wants to get the other party’s recharge records”;
"There are Aunt Tai, Aunt Chun, and there are people who collect money under their own names, but they all have to pay a deposit of 299."
After listening to Chen Weiwei's words, Ma Yibo completely understood the whole problem;
Yes, I have encountered this problem in my previous life;
Some criminals paste their own QR code on the bicycle QR code and the user scans it, and the money goes directly to the other party's account;
What's more, they can directly manipulate the QR code. As long as they scan the code, they can obtain the mobile phone information and then commit fraud;
This is why when Ma Yibo asked Aunt Qin to share bicycles at the beginning, they only made the kind of QR code pressed inside the car body, instead of the kind of QR code that could be directly covered in the previous life;
As for the user paying the deposit, the refund will be issued after riding;
Ma Yibo understands this very well.
Because the same was true for Ma Yibo in his previous life;
At the beginning, I had to pay a deposit of 299 yuan. After the ride, I directly applied for a refund, and I was worried that I would lose the money;
After tinkering with this for several times, I felt that there was no problem. I did not apply for a refund for the last 299;
After that, if you want to withdraw, you will have to wait for hundreds of years.
We really have to borrow another five hundred years from heaven.
"Have you determined in which cities these users scanned the QR code of our shared bicycles to pay the deposit, or are they not our shared bicycles?"
"Mr. Ma, according to users, it is indeed our Aunt Qin who shares the bicycle. Some users even sent it as if they were taking pictures. The bicycle above does look like ours";
"We have counted that these users are found in many cities and are relatively scattered, even in Yangcheng."
After Chen Weiwei finished speaking, Ma Yibo fell into deep thought;
It would be okay if it happened in a few places, but if it blooms everywhere, there is simply no way to prevent it. Unless you catch it ready-made, it will be very difficult to deal with it.
"Tell me what you think. Since you have come to my place, it is definitely not because of this matter."
Ma Yibo thought for a while, looked at Yi Weili and asked.
"Mr. Ma, this matter itself is not a big problem, and at present, we have no way to confirm whether the customer is using our Aunt Qin's shared bicycle";
“It is possible that someone covered our shared bicycles with a QR code, but I think this possibility is relatively low”;
“Because we share bicycles in first- and second-tier cities, these young people basically have a certain ability to distinguish”;
"Moreover, the QR code of our Aunt Qin's shared bicycle is quite special. Even if it is covered, it will be difficult not to be discovered."
"Another possibility is that criminals deliberately produce bicycles similar to our Aunt Qin's shared bicycles and put them on the market, just to collect the deposit";
“In first-tier cities, it’s probably not difficult to collect deposits from dozens of people for one car, after all, the flow of people is too large”;
"Something went wrong in the end, but our Aunt Qin took the blame";
"If this matter becomes serious, although we can prove that users do not use our bicycles to recharge, it will have a great impact on the reputation of our Aunt Qin shared bicycles";
"After all, those cars also have our company's name on them";
“Once this impression is created on users, there will be far fewer people riding bicycles”;
"Because no one is sure whether the Aunt Qin shared bicycle they are riding belongs to our company."
Yes, this is the biggest reason why Yi Weili came to Ma Yibo's office to report.
When Yi Weili received Chen Weiwei's report, he also thought a lot;
However, after much consideration, there is no good solution;
If it was really modeled after Aunt Qin’s shared bicycle, even if he put the bicycle in front of Yi Weili, Yi Weili wouldn’t be able to tell the real thing from the fake one;
In addition to actually scanning the QR code to pay, you can know who the money was given to;
For those who paid 299 yuan before, it is actually not difficult to check;
After all, the person receiving the payment has a real name. Even if it is an old man or old woman who received the ID card from the countryside, there can be traces of it;
At the very least, once the police are called, it will be very easy for the police to check these records.
But the biggest problem is not catching the murderer, but how to prevent such a situation from happening again;
Otherwise, there would be no more Butcher Zhang, butcher Wang, etc.;
Don't underestimate the pleasure that making quick money brings to people.
Finally, Yi Weili thought of a way, a way that would avoid future troubles, that is, not to collect a deposit;
At present, most users of Aunt Qin's shared bicycles do not require a deposit, but some people with insufficient ratings have to pay a deposit;
Most of the people with insufficient ratings have used Aunt Qin's products less frequently, and the system can only rate them based on the initial value.
If you want to cancel the deposit, you have to report to Ma Yibo.
"Mr. Yi, keep talking. Don't do that every time. If you leave half of a sentence, it will make people feel very unhappy."
When Ma Yibo heard Yi Weili's analysis, he couldn't help but nod his head;
But one thing is that when Yi Weili reports, he often stops at critical points, which makes people feel a little crazy;
Fortunately, Ma Yibo is the boss. Otherwise, if you encounter such a boss, you will probably go crazy because of the discomfort.
Yi Weili has worked with his boss for so long and knows Ma Yibo's temperament, so he doesn't mind it at all.
"Mr. Ma, my idea is relatively simple, but I need your approval";
“I plan to cancel the deposit system for Aunt Qin’s shared bicycles”;
Ma Yibo is not surprised at all. Now Aunt Qin’s shared bicycles say there is a deposit system, but in fact it is just the last threshold;
If it had been another year or even half a year, Ma Yibo would have wanted to cancel;
Because the number of users of Aunt Qin Group was large enough at that time, these users would also make multiple purchases in Aunt Qin Group, and the rating system could be improved;
But now, canceling the deposit system is indeed a bit risky.
"Mr. Yi, the cancellation of the deposit you mentioned is indeed a solution to this problem, but how do we determine the credit worthiness of this user by canceling the deposit? At the same time, what potential risks do these people who need to pay deposits bring to our bicycles?
How to solve it?"
"Mr. Ma, this is the data";
"These data are the current proportion of the number of people who have paid deposits for our Aunt Qin's shared bicycles among the total cycling users, which is only 5.8%";
"In other words, there are 1,000 people riding bicycles, and only 58 people need to pay a deposit";
"At the same time, 69% of those who paid a deposit will apply for a refund of their first deposit after the ride is completed";
"The proportion of people who pay deposits is actually not high, and many of them are not because the other party has a bad reputation, but because they have rarely used our products before."
Yi Weili did not continue to answer Ma Yibo's question. The meaning was very simple. In fact, not many people paid a deposit, and most of them did not need to pay it;
As for the losses caused to the company after the deposit should have been paid but was cancelled, Yi Weili did not mention it, but Ma Yibo also understood that it was just placing hope on God;
Of course, such intentional damage is actually very rare;
Didn’t you see, Aunt Qin’s shared bicycles have been running for so long, and the loss rate is very small, and the damage rate is not high.
"Okay, let's do what you want. If the deposit is cancelled, it will be cancelled. For those who have paid the deposit before, notify the customer and let them apply for a refund in the app";
"By the way, I just remembered that there is another problem that you need to pay attention to";
“Because we are the first to try out shared bicycles, you should pay close attention to areas near scenic spots or areas that specialize in renting bicycles.”
“After all, the launch of our shared bicycles has indeed taken away people’s jobs”;
"However, these are not reasons why they can destroy or steal our bicycles at will."
Yes, Ma Yibo suddenly remembered that in the previous life, shared bicycles were in these places, but failed;
The reason is very simple: it takes away other people’s jobs;
To be continued...