Editor's Guide: What is Payment Global Thinking? What value does it bring? In this article, the author combines practical experience to sort out the general framework of a payment knowledge system and how to carry out the abstraction of the model and the reuse of knowledge when facing an unfamiliar scenario.
Earlier, we wrote a lot of payment knowledge points of a single system and scenario and several pieces of overall and systematic content, including God's perspective to see the payment, a small ticket to see through the settlement, etc., through these articles have basically established most of the payment expertise, but there may be a shortcoming in the application, that is, the lack of practical training.
After mastering the most basic system of payment knowledge, in the face of the future of countless complex industries, scenarios, models that have not yet appeared, the flexible use of this knowledge is the ultimate goal, today we will enter a new but not unfamiliar field, the use of already mastered payment knowledge to create a systematic payment clearing system.
In this article, we will sort out the general framework of a payment knowledge system and how to carry out model abstraction and knowledge reuse when facing an unfamiliar scenario.
A few days ago, everyone greeted the God of Wealth in the circle of friends, and I was inspired to think about how the Five-Way God of Wealth distributed "Fortune Luck" to everyone based on everyone's demands?
According to the first principle, is there definitely a wealth clearing and distribution system to achieve the distribution of fortune? So on what basis is the allocation? How did he know who was at what time, where, who, and in what way he expressed the blessing of "greeting the god of wealth and making a fortune"?
Like our product managers, starting from a scene, a look, a complaint, a confession...
We constantly examine the deepest secrets of this process, unlocking the final answer layer by layer; and the above series of questions are like the second-generation payment clearing system, banks, tripartite and other payment organizations in the mainland today, providing the basis for payment and clearing for the entire socio-economic payment activities.
And this system I think in principle, can solve the problem of exchange, transfer and distribution of all quantifiable things, and this quantifiable we can refer to the accounting system, through the accounting + accounting processing to achieve the record of economic activities of an enterprise.
In the same way, this system can also realize the recording and processing of blessing activities between the "Three Realms and Mankind" and related activities such as birth, old age, illness and death, marriage and funeral, and national fortunes.
For example, for a person, whether we have a birthday or visit the Buddha, we will do some prayers; we will do a lot of good things and bad things in life; good things have good rewards, bad things have bad rewards; so how should these be classified and recorded?
If we use an accounting model, then how do we design record accounts and accounts around all aspects of a person's life?
This requires a strong abstract ability, how to carry out abstract modeling, I think there are many solutions, but the key must be focused on the problems and purposes: to record human blessing activities and behaviors in different categories, to achieve quantifiable records.
I did such a simple modeling, we all know the "one life, two luck, three feng shui, four accumulation of virtue, five reading" such a statement, then it is better to set up subjects and accounts for this "classification dimension".
Therefore, a person has five total accounts of "life base account, luck account, feng shui account, jide account, and talent account" to record everything in a person's life, and each total account can be set up under the detailed account, such as different types of jide can be set under the jide account, such as helping others, public welfare activities, etc.
With this as a starting point, we will use the existing payment knowledge to build a complete "cross-three boundaries" payment clearing system, this system is divided into 12 parts, each part of which we have reached the end, but I hope that each part of the article ends with no end of thinking, I hope that everyone will take this as an anchor, to improve, to think, to develop their own "payment vision".
1. Payment organization
A huge payment system definitely requires the coordinated participation of multiple organizations, just like the payment organizations in our country, there are central banks, banks, and tripartite institutions, etc., each of which assumes a certain role and positioning to provide payment services for the society; the general three realms payment clearing also requires the participation of different organizations; for example, we can divide into several organizations, and make analogies with mainland payment organizations in parentheses.
1. South Tianmen General Clearing Center (People's Bank of China)
Responsible for the construction and maintenance of the three realms payment and clearing infrastructure system, the formulation and implementation of the policy supervision system, and the jurisdiction of the Tianting South Tianmen Payment Department
2. Immortal Liquidation Organization (Clearing House)
Realize the liquidation of cross-immortals, such as the liquidation of the total assets of the immortals who manage lifespan and the immortals who manage fortune.
Here we treat the contents of the liquidation object records as the assets where the immortals store them, just as the contents of a person's five basic account records are used as personal assets in the Three Realms.
What is a trans-immortal reckoning? For example, if a person wishes to exchange how many years of life he wants in exchange for wealth, if it is realized, then it is to transfer his assets from the immortal who manages his life to the immortal who manages his fortune and store it.
This is the liquidation of the cross-immortals, which needs to be realized through the cross-immortal liquidation system under the immortal liquidation organization.
3. Immortal Department (Commercial Bank)
Each immortal as an independent payment organization, management and operation of their own related things, such as the management of fortune of the five-way immortals, just like the five commercial banks; each immortal department will have its own perfect and mature immortal internal core system, such as payment core system, accounting core system, etc., will also carry out their own independent business, such as marketing, brand promotion and so on.
4. Temples, devices, etc. (outlets)
This is a network scattered in the human world, where people can pray for blessings through places such as temples or objects, burn incense, initiate wishes, and make wishes; the upstream organizations and departments of the Three Realms can also collect everyone's wishes through these outlets and record them and distribute their subsequent wishes.
2. Payment instruments
So what can we do to interact with the upper divine realm, I think most of the current payment tools are developed by humans themselves, whether there is a report to the divine realm is unknown, and I don't know if it works; there are already payment tools at present I think there are several: burning incense, kowtowing, sending circles of friends, language, etc.
3. Payment methods
So what kind of payment method we use to complete it, it may take two categories, one is based on yourself, and the other is based on what others say about you.
1. Self-help class
For example, praying, making a birthday wish, etc., these are all self-initiated wishes, the way is "prayer", "making a wish" and so on.
2. Passive class
This is the evaluation of your behavior, character, etc. by others, these evaluations are like we give the business a good review, which will affect a person's credibility, mainly in two ways: curse, blessing.
The bad things you do, the person cursed you not to die, I think this must have an impact on you, will be recorded in your merit account immediately, so be a good person;
Regarding blessings, this is when we do good things to help others, or our own friends to give blessings, it will also be recorded in the merit account, and the blessings sent by friends on our birthdays: I wish you a happy day, this will definitely have an effect;
The other is to help others, others say to you: you are a good person, a good person has a peaceful life;
I think this should at least increase the luck account and the jide account.
Fourth, the basic technology of payment
The change of payment is often based on the change of technology, just like our current electronic payment is so developed, and the development of network communication technology and the development of software technology are inseparable.
Similarly, our interaction with the Three Realms also needs a communication technology and a series of other technologies to achieve, although it is not clear what technology it is, but there must be these technologies, I think, send a circle of friends, close your eyes and make a wish, then there should be at least one technology: quantum induction technology, the most advanced technological form of the highest civilization.
5. Payment terminals
Just like we have to go to the bank counter or ATM machine to deposit and withdraw cash, so where do we have to go to interact with the divine world?
At least for thousands of years, "temples, churches" and other places should be OK, but with the development of society, has developed a variety of terminals, such as the circle of friends, now everyone is sending a circle of friends; I now have reservations about this, why, because the circle of friends can be used as a wishing terminal, has it been reported to the various immortal departments? Do they recognize it? But for the time being, I think it is recognized, after all, sincerity is the spirit.
So these payment terminals are definitely changing, for example, we can think of these: temples, social tools - circle of friends, social tools - Weibo, birthday scene, open light devices and so on.
6. Supervision of payment policies
Just like when we look at Journey to the West, immortals sometimes make mistakes and may also be punished, so it is certainly necessary to carry out certain supervision, especially under the business of the payment and clearing system, because it involves the management of the interests of all things in the Three Realms and the transfer and exchange.
7. Objects of payment and settlement
What are the participants in this payment and clearing system, I think it should not be limited to such a simple category as human beings, just like our payments, there are personal payments, corporate payments, financial payments, and so on.
Then there are more people involved in the Three Realms system; flowers, insects, birds and beasts, humans, organized groups, nations, planets, galaxies, and even the entire universe.
Different objects will face different liquidation contents, such as individuals we said above that there are 5 basic accounts; and the state involves mainly the national fortune, just like in many film and television dramas, saying that what dynasties have been exhausted, the rise and fall of the national fortune I think is also recorded and managed in the Three Realms payment and clearing system; the emperor's fainting and incompetence, the people's lack of life will definitely cause resentment, and the daily complaints of the people of Li I think will also cause the decay of the national fortune.
8. Types of liquidation
According to different liquidation objects, we can sort out different types of liquidation, such as flower, insect, bird and beast liquidation, individual liquidation, organizational rise and fall liquidation, national fortune liquidation, planetary prosperity liquidation, galaxy survival liquidation, etc. To facilitate different liquidations to take different liquidation channels, different liquidation treatment ideas, different liquidation policies and systems, and supervision.
Therefore, we can also do this when a company does liquidation classification, classifying liquidation according to different businesses and different liquidation objects.
9. Sub-types of liquidation
After the liquidation is classified by object, we can also carry out more detailed classification based on certain needs; for example, individuals can be divided into the following five sub-categories: individual-life liquidation, personal-luck liquidation, personal-feng shui liquidation, personal-merit liquidation, and personal-talent liquidation.
10. Payment system
In the front we did a lot of dimensional analysis modeling and planning preparation, after completion, then we have to plan the executable basic system that can be landed, this process I think we can refer to the existing mature system, save time and effort is still easy to use.
Or we can completely carry out innovative design based on business demands, not sticking to the existing framework, bold assumptions, and making better product architectures and systems, just like the sorting system, which is already a very mature system, with mature system positioning, module division, and logical design methods; but one day there will be new forms of things, and the sorting system cannot continue to carry new business.
For example, in the liquidation system of the virtual society built by the metacosm, can the clearing system still be used, is there a more efficient system form, I think this is all to be questioned?
And if everything like innovation can be questioned, but here we mainly comb through the payment knowledge, so we use the first form.
Reuse the existing content, do not do the exploration of the innovation system, so that with reference to the mainland second-generation payment system, online UnionPay, commercial banks, tripartite payment service organizations, e-commerce platforms of various enterprises and other content for the three worlds to build a "three worlds of reincarnation payment and clearing system", we planned the following core systems.
1. The Reincarnation of All Things Samsara Data Center
This is the Three Realms Data General Center, which records everything in the Three Realms, just like the central bank's ACS accounting general accounting system.
2. South Tianmen Clearing Account Center
Here is the general clearing account of each immortal department, cross-immortal clearing organization, etc., just like the clearing account center of the People's Bank of China, everyone opens a reserve account here to realize the reserve payment of the immortal department and the depository of the reserve fund, and the liquidation of assets across the immortals.
3. South Tianmen Payment System
Analogy is made to the PBOC's core payment and clearing system, such as the large and small amount payment system, super online banking, cross-border payment system, etc.; to handle different clearing businesses from the three realms.
4. Cross-Immortal Liquidation Core System
Analogous to the core system of Online UnionPay; handling cross-immortal clearing business requests.
5. The core payment system within the Immortal Department
Analogous to the payment core system of commercial banks, it handles different wishing requests within different immortals, such as the life payment core system of the immortals who manage the life span, and the internal financial payment core system of the immortals who manage the fortune.
6. The internal accounting core system of the Immortal Department
Analogous to the accounting core system of commercial banks, it deals with different wishing records within different immortals, such as the life accounting core system of the immortals who manage life, and the internal financial accounting core system of the immortals who manage the fortunes.
7. Three Realms Quantum Terminal Pre-Entry Matrix
This boundary between the human world and the divine realm is the exchange gateway between human information and the divine realm, such as temples, churches and other payment terminals through which the entry point is reported and accessed, and the human behavior information is reported.
11. General structure of payment
Based on the content of our planning above, we can output a "three-realm reincarnation payment and clearing" general structure, analogous to the secondary structure of our national payment system, this kind of we also do the second-level architecture; the payment and clearing within the immortals is processed in the internal system of the immortals, and the cross-application payment and settlement is processed by reporting to the South Heavenly Gate.
12. Examples of handling
The basic overall architecture in addition to the above we deal with the system design details has been completed, and if necessary, the system prototype can be designed for each system for your reference.
Let's give a few examples to run the system to see if it can run through; as for more scenarios, I think you can try to see if you can follow up.
1. Blessing cases
At the beginning of the first month, Wu Xiaowang posted a picture of the god of wealth with the text "I hope to be promoted and raised this year" in the circle of friends.
- Scene analysis: This typical is a compound blessing promotion prayer "official luck" is managed by Wenqu Xingjun, and the salary increase prayer "fortune" belongs to the five-way god of wealth.
- Payment terminal: Circle of friends.
- Liquidation process: At the time of the circle, Xiao Wang's subconscious made a wish, and the wish request was transformed through quantum induction technology, reported to the quantum gendarmerie matrix, and then reported to the internal payment system of the corresponding immortal, and after processing, it was credited to the corresponding account.
2. Meritorious cases
The following two types of liquidation you can try yourself, here is not in detail.
- Xiao Wang helped Aunt Li, and Aunt Li said: You are really a good person, and good people will have good rewards.
- Xiao Wang is a product manager because of the frequent demand, technical Xiao Zhang angrily said: You will be punished.
Do you think the above two scenarios will trigger what asset changes in Xiao Wang's liquidation account in that immortal? Discussion is welcome.
#专栏作家 #
Chen Tian Universe, WeChat public account: Chen Tian Universe, everyone is a product manager columnist. Columnist in the field of multi-platform payment, ten years of senior products; angel investor; focus on providing in-depth payment content and services for 100,000 payment product managers and payment institutions and enterprises!
This article was originally published in Everyone is a Product Manager. Reproduction without permission is prohibited.
The title image is from Unsplash, based on the CC0 protocol.