forked from easychen/lean-side-bussiness
-
Notifications
You must be signed in to change notification settings - Fork 0
/
040310.html
213 lines (189 loc) · 22.2 KB
/
040310.html
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
<!DOCTYPE HTML>
<html lang="zh-cn" class="sidebar-visible no-js light">
<head>
<!-- Book generated using mdBook -->
<meta charset="UTF-8">
<title>个人支付解决方案 - 精益副业</title>
<!-- Custom HTML head -->
<meta content="text/html; charset=utf-8" http-equiv="Content-Type">
<meta name="description" content="">
<meta name="viewport" content="width=device-width, initial-scale=1">
<meta name="theme-color" content="#ffffff" />
<link rel="icon" href="favicon.svg">
<link rel="shortcut icon" href="favicon.png">
<link rel="stylesheet" href="css/variables.css">
<link rel="stylesheet" href="css/general.css">
<link rel="stylesheet" href="css/chrome.css">
<link rel="stylesheet" href="css/print.css" media="print">
<!-- Fonts -->
<link rel="stylesheet" href="FontAwesome/css/font-awesome.css">
<link rel="stylesheet" href="fonts/fonts.css">
<!-- Highlight.js Stylesheets -->
<link rel="stylesheet" href="highlight.css">
<link rel="stylesheet" href="tomorrow-night.css">
<link rel="stylesheet" href="ayu-highlight.css">
<!-- Custom theme stylesheets -->
</head>
<body>
<!-- Provide site root to javascript -->
<script type="text/javascript">
var path_to_root = "";
var default_theme = window.matchMedia("(prefers-color-scheme: dark)").matches ? "navy" : "light";
</script>
<!-- Work around some values being stored in localStorage wrapped in quotes -->
<script type="text/javascript">
try {
var theme = localStorage.getItem('mdbook-theme');
var sidebar = localStorage.getItem('mdbook-sidebar');
if (theme.startsWith('"') && theme.endsWith('"')) {
localStorage.setItem('mdbook-theme', theme.slice(1, theme.length - 1));
}
if (sidebar.startsWith('"') && sidebar.endsWith('"')) {
localStorage.setItem('mdbook-sidebar', sidebar.slice(1, sidebar.length - 1));
}
} catch (e) { }
</script>
<!-- Set the theme before any content is loaded, prevents flash -->
<script type="text/javascript">
var theme;
try { theme = localStorage.getItem('mdbook-theme'); } catch(e) { }
if (theme === null || theme === undefined) { theme = default_theme; }
var html = document.querySelector('html');
html.classList.remove('no-js')
html.classList.remove('light')
html.classList.add(theme);
html.classList.add('js');
</script>
<!-- Hide / unhide sidebar before it is displayed -->
<script type="text/javascript">
var html = document.querySelector('html');
var sidebar = 'hidden';
if (document.body.clientWidth >= 1080) {
try { sidebar = localStorage.getItem('mdbook-sidebar'); } catch(e) { }
sidebar = sidebar || 'visible';
}
html.classList.remove('sidebar-visible');
html.classList.add("sidebar-" + sidebar);
</script>
<nav id="sidebar" class="sidebar" aria-label="Table of contents">
<div class="sidebar-scrollbox">
<ol class="chapter"><li class="chapter-item expanded "><a href="index.html"><strong aria-hidden="true">1.</strong> 精益副业</a></li><li class="chapter-item expanded "><a href="01.html"><strong aria-hidden="true">2.</strong> 为什么副业特别重要</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="0101.html"><strong aria-hidden="true">2.1.</strong> 职业可能性</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="010101.html"><strong aria-hidden="true">2.1.1.</strong> 职业的四大象限</a></li><li class="chapter-item expanded "><a href="010102.html"><strong aria-hidden="true">2.1.2.</strong> 没有副业的职业</a></li><li class="chapter-item expanded "><a href="010103.html"><strong aria-hidden="true">2.1.3.</strong> 副业带来的可能性</a></li></ol></li><li class="chapter-item expanded "><a href="0102.html"><strong aria-hidden="true">2.2.</strong> 职业自由度</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="010201.html"><strong aria-hidden="true">2.2.1.</strong> 从中指备用金说起</a></li><li class="chapter-item expanded "><a href="010202.html"><strong aria-hidden="true">2.2.2.</strong> PlanB和反脆弱</a></li><li class="chapter-item expanded "><a href="010203.html"><strong aria-hidden="true">2.2.3.</strong> 全新的工作自由度</a></li></ol></li><li class="chapter-item expanded "><a href="0103.html"><strong aria-hidden="true">2.3.</strong> 职业成长性</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="010301A.html"><strong aria-hidden="true">2.3.1.</strong> 新技术练兵场</a></li><li class="chapter-item expanded "><a href="010302.html"><strong aria-hidden="true">2.3.2.</strong> 业务敏感度</a></li></ol></li></ol></li><li class="chapter-item expanded "><a href="02.html"><strong aria-hidden="true">3.</strong> 如何优雅地做副业</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="0201.html"><strong aria-hidden="true">3.1.</strong> 想明白核心资源和核心优势</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="020101.html"><strong aria-hidden="true">3.1.1.</strong> 副业的核心资源</a></li><li class="chapter-item expanded "><a href="020102.html"><strong aria-hidden="true">3.1.2.</strong> 副业的核心优势</a></li></ol></li><li class="chapter-item expanded "><a href="0202.html"><strong aria-hidden="true">3.2.</strong> 时间片</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="020201.html"><strong aria-hidden="true">3.2.1.</strong> 时间片的销售</a></li><li class="chapter-item expanded "><a href="020202.html"><strong aria-hidden="true">3.2.2.</strong> 时间片的优化</a></li><li class="chapter-item expanded "><a href="020203.html"><strong aria-hidden="true">3.2.3.</strong> 突破时间片限制</a></li></ol></li><li class="chapter-item expanded "><a href="0203.html"><strong aria-hidden="true">3.3.</strong> 资产和被动收入</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="020301.html"><strong aria-hidden="true">3.3.1.</strong> 什么是资产</a></li><li class="chapter-item expanded "><a href="020302.html"><strong aria-hidden="true">3.3.2.</strong> 资产的获得方式</a></li><li class="chapter-item expanded "><a href="020303.html"><strong aria-hidden="true">3.3.3.</strong> 资产的量化评估</a></li></ol></li></ol></li><li class="chapter-item expanded "><a href="03.html"><strong aria-hidden="true">4.</strong> 优选资产</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="0301.html"><strong aria-hidden="true">4.1.</strong> 知识和人脉的变现</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="030101.html"><strong aria-hidden="true">4.1.1.</strong> 付费视频课</a></li><li class="chapter-item expanded "><a href="030102.html"><strong aria-hidden="true">4.1.2.</strong> 付费专栏</a></li><li class="chapter-item expanded "><a href="030103.html"><strong aria-hidden="true">4.1.3.</strong> 付费社群</a></li><li class="chapter-item expanded "><a href="030104.html"><strong aria-hidden="true">4.1.4.</strong> 图书出版</a></li></ol></li><li class="chapter-item expanded "><a href="0302.html"><strong aria-hidden="true">4.2.</strong> 自有产品和服务</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="030201.html"><strong aria-hidden="true">4.2.1.</strong> 应用市场卖APP</a></li></ol></li></ol></li><li class="chapter-item expanded "><a href="04.html"><strong aria-hidden="true">5.</strong> 精益副业</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="0401.html"><strong aria-hidden="true">5.1.</strong> 精益副业流程</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="040104.html"><strong aria-hidden="true">5.1.1.</strong> 商业模式画布</a></li><li class="chapter-item expanded "><a href="040105.html"><strong aria-hidden="true">5.1.2.</strong> 最小可行产品和产品市场契合</a></li></ol></li><li class="chapter-item expanded "><a href="0403.html"><strong aria-hidden="true">5.2.</strong> 精益独立开发实践</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="040301.html"><strong aria-hidden="true">5.2.1.</strong> 独立开发的精益流程</a></li><li class="chapter-item expanded "><a href="040302.html"><strong aria-hidden="true">5.2.2.</strong> 福利单词项目简介</a></li><li class="chapter-item expanded "><a href="040303.html"><strong aria-hidden="true">5.2.3.</strong> 福利单词的商业模式画布</a></li><li class="chapter-item expanded "><a href="040304.html"><strong aria-hidden="true">5.2.4.</strong> 通过用户画像细化客户</a></li><li class="chapter-item expanded "><a href="040305.html"><strong aria-hidden="true">5.2.5.</strong> 画像→场景→功能和分期</a></li><li class="chapter-item expanded "><a href="040306.html"><strong aria-hidden="true">5.2.6.</strong> 什么是好的商业设计</a></li><li class="chapter-item expanded "><a href="040307.html"><strong aria-hidden="true">5.2.7.</strong> 人人能用的四大原则</a></li><li class="chapter-item expanded "><a href="040308.html"><strong aria-hidden="true">5.2.8.</strong> 独特Logo解决方案</a></li><li class="chapter-item expanded "><a href="040309.html"><strong aria-hidden="true">5.2.9.</strong> 使用AdobeXD设计界面</a></li><li class="chapter-item expanded "><a href="040310.html" class="active"><strong aria-hidden="true">5.2.10.</strong> 个人支付解决方案</a></li><li class="chapter-item expanded "><a href="040311.html"><strong aria-hidden="true">5.2.11.</strong> 使用「兔小巢」处理用户反馈</a></li><li class="chapter-item expanded "><a href="040312.html"><strong aria-hidden="true">5.2.12.</strong> 2A3R漏斗和增长优化</a></li></ol></li><li class="chapter-item expanded "><a href="0402.html"><strong aria-hidden="true">5.3.</strong> 精益网课变现实践</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="040207.html"><strong aria-hidden="true">5.3.1.</strong> 大纲的注意点</a></li><li class="chapter-item expanded "><a href="040209.html"><strong aria-hidden="true">5.3.2.</strong> 通过预售验证销量</a></li><li class="chapter-item expanded "><a href="040210.html"><strong aria-hidden="true">5.3.3.</strong> 常见的课程片段类型</a></li><li class="chapter-item expanded "><a href="040211.html"><strong aria-hidden="true">5.3.4.</strong> 文稿讲义类课程片段的制作</a></li><li class="chapter-item expanded "><a href="040212.html"><strong aria-hidden="true">5.3.5.</strong> 屏幕录制类课程片段的制作</a></li><li class="chapter-item expanded "><a href="040213.html"><strong aria-hidden="true">5.3.6.</strong> 真人出镜类课程片段的制作</a></li><li class="chapter-item expanded "><a href="040214.html"><strong aria-hidden="true">5.3.7.</strong> 虚拟形象类课程片段的制作</a></li><li class="chapter-item expanded "><a href="040215.html"><strong aria-hidden="true">5.3.8.</strong> 最常用的视频剪辑操作</a></li><li class="chapter-item expanded "><a href="040216.html"><strong aria-hidden="true">5.3.9.</strong> 最常用的音频处理操作</a></li><li class="chapter-item expanded "><a href="040217.html"><strong aria-hidden="true">5.3.10.</strong> 字幕的制作和自动生成</a></li><li class="chapter-item expanded "><a href="040218.html"><strong aria-hidden="true">5.3.11.</strong> 流量池和二次购买</a></li><li class="chapter-item expanded "><a href="040219.html"><strong aria-hidden="true">5.3.12.</strong> 如何有效地反盗版</a></li></ol></li><li class="chapter-item expanded "><a href="0404.html"><strong aria-hidden="true">5.4.</strong> 进一步提升副业的鲁棒性</a></li><li><ol class="section"><li class="chapter-item expanded "><a href="040401.html"><strong aria-hidden="true">5.4.1.</strong> 网课+独立开发的双引擎副业模式</a></li></ol></li></ol></li></ol>
</div>
<div id="sidebar-resize-handle" class="sidebar-resize-handle"></div>
</nav>
<div id="page-wrapper" class="page-wrapper">
<div class="page">
<div id="menu-bar-hover-placeholder"></div>
<div id="menu-bar" class="menu-bar sticky bordered">
<div class="left-buttons">
<button id="sidebar-toggle" class="icon-button" type="button" title="Toggle Table of Contents" aria-label="Toggle Table of Contents" aria-controls="sidebar">
<i class="fa fa-bars"></i>
</button>
<button id="theme-toggle" class="icon-button" type="button" title="Change theme" aria-label="Change theme" aria-haspopup="true" aria-expanded="false" aria-controls="theme-list">
<i class="fa fa-paint-brush"></i>
</button>
<ul id="theme-list" class="theme-popup" aria-label="Themes" role="menu">
<li role="none"><button role="menuitem" class="theme" id="light">Light (default)</button></li>
<li role="none"><button role="menuitem" class="theme" id="rust">Rust</button></li>
<li role="none"><button role="menuitem" class="theme" id="coal">Coal</button></li>
<li role="none"><button role="menuitem" class="theme" id="navy">Navy</button></li>
<li role="none"><button role="menuitem" class="theme" id="ayu">Ayu</button></li>
</ul>
<button id="search-toggle" class="icon-button" type="button" title="Search. (Shortkey: s)" aria-label="Toggle Searchbar" aria-expanded="false" aria-keyshortcuts="S" aria-controls="searchbar">
<i class="fa fa-search"></i>
</button>
</div>
<h1 class="menu-title">精益副业</h1>
<div class="right-buttons">
<a href="print.html" title="Print this book" aria-label="Print this book">
<i id="print-button" class="fa fa-print"></i>
</a>
</div>
</div>
<div id="search-wrapper" class="hidden">
<form id="searchbar-outer" class="searchbar-outer">
<input type="search" id="searchbar" name="searchbar" placeholder="Search this book ..." aria-controls="searchresults-outer" aria-describedby="searchresults-header">
</form>
<div id="searchresults-outer" class="searchresults-outer hidden">
<div id="searchresults-header" class="searchresults-header"></div>
<ul id="searchresults">
</ul>
</div>
</div>
<!-- Apply ARIA attributes after the sidebar and the sidebar toggle button are added to the DOM -->
<script type="text/javascript">
document.getElementById('sidebar-toggle').setAttribute('aria-expanded', sidebar === 'visible');
document.getElementById('sidebar').setAttribute('aria-hidden', sidebar !== 'visible');
Array.from(document.querySelectorAll('#sidebar a')).forEach(function(link) {
link.setAttribute('tabIndex', sidebar === 'visible' ? 0 : -1);
});
</script>
<div id="content" class="content">
<main>
<h1 id="个人支付解决方案"><a class="header" href="#个人支付解决方案">个人支付解决方案</a></h1>
<p>略过开发环节，我们来讲讲变现。绝大部分的支付方案都是面向企业的，面向个人的正规支付方案非常少。那么对于没注册公司的个人，怎么样才能比较安全地收款呢？</p>
<h2 id="常见的几种个人收款方式"><a class="header" href="#常见的几种个人收款方式">常见的几种个人收款方式</a></h2>
<h3 id="个人收款码"><a class="header" href="#个人收款码">个人收款码</a></h3>
<p>市面上最简单粗暴的个人收款方案，就是利用微信或者支付宝的个人收款码来做。</p>
<p>具体的说，就是生成一张二维码，在这个二维码上面添加一个付款的备注，让用户备注中补充上特定的消息后（比如订单号）支付。当完成支付以后，我们就会通过APP或者网站，得到备注里面填的消息，通过识别，我们就能定位到订单，从而自动发货。也有不用备注，用支付金额来识别的。</p>
<p>这个方式淘宝店家已经用了很多年，它的问题就在于，从用户端的体验来讲，它需要填写额外的消息或者发送不确定的金额。从商家端的体验来讲，它需要有一个常驻的服务，随时去监测收款的相关消息，这就会有相当的不稳定因素在里边。</p>
<h3 id="二次封装接口"><a class="header" href="#二次封装接口">二次封装接口</a></h3>
<p>另一种解决方案，就是由那些有资质的企业申请到接口权限后，二次封装后提供给个人来用。这种方案的问题在于，钱是支付给提供接口的企业的，我们只能定期找他们结算提款。万一对方跑路了，我们的钱也就没了。这种方式风险非常高，不推荐。</p>
<h3 id="小微商户"><a class="header" href="#小微商户">小微商户</a></h3>
<p>「小微商户」是支付平台针对个人、也就是大量没有企业资质的用户推出的一个解决方案。最开始推出的时候，是为了帮助一些线下的店面，快捷地接入支付而存在的一个服务，然后又扩展到了网上的网店和商家。</p>
<p>一些银行和微信都有这个服务。但是微信并没有给它做专门的后台页面，所以我们在支付平台的后台里是看不见它的，它只有API。</p>
<p>微信把这一部分业务，交给了微信开放平台上的服务商。由服务商去调用这些接口来帮助个人接入到微信的支付服务里面来，同时服务商会提供后台的页面帮个人用户进行管理、也是服务商封装API供个人使用。</p>
<p>这种方案它的好处在于，它是完全合规的，而且这个钱是从微信直接打到小微商户的银行卡里边，不经过中间服务商，所以非常安全。</p>
<p>目前国内有名一点比如 xorpay.com 和 payjs.cn 。他们都是收费服务，前者的费用似乎更为便宜一些。这两个业务我们了解不多，大家使用之前请自行判断其靠谱系数。</p>
<h2 id="数字内容销售平台"><a class="header" href="#数字内容销售平台">数字内容销售平台</a></h2>
<p>如果我们就是写一个软件，想简单地进行销售获得收入的话，我们还可以使用一些现成的数字内容销售平台。面向国外市场的话，可以使用Gumroad.com；如果面向国内市场的话，可以使用mianbaoduo.com。</p>
<p><img src="images/4fa2ce0a1d95a2aae0099970b1d580f12e571adf1e68cef076bbdab9d822eded.png" alt="picture 39" /></p>
<p>逻辑上讲，所有的网店都能解决我们卖软件的需求，但相对而言，面包多这类专门面向数字商品的平台提供了更低的手续费和更为全面的 API 接口。</p>
<p><img src="images/a79a80cfb44f3a354f3de91fde1fb92f1815c9a446d77d27b1f7a24a44ff7239.png" alt="picture 40" /></p>
</main>
<nav class="nav-wrapper" aria-label="Page navigation">
<!-- Mobile navigation buttons -->
<a rel="prev" href="040309.html" class="mobile-nav-chapters previous" title="Previous chapter" aria-label="Previous chapter" aria-keyshortcuts="Left">
<i class="fa fa-angle-left"></i>
</a>
<a rel="next" href="040311.html" class="mobile-nav-chapters next" title="Next chapter" aria-label="Next chapter" aria-keyshortcuts="Right">
<i class="fa fa-angle-right"></i>
</a>
<div style="clear: both"></div>
</nav>
</div>
</div>
<nav class="nav-wide-wrapper" aria-label="Page navigation">
<a rel="prev" href="040309.html" class="nav-chapters previous" title="Previous chapter" aria-label="Previous chapter" aria-keyshortcuts="Left">
<i class="fa fa-angle-left"></i>
</a>
<a rel="next" href="040311.html" class="nav-chapters next" title="Next chapter" aria-label="Next chapter" aria-keyshortcuts="Right">
<i class="fa fa-angle-right"></i>
</a>
</nav>
</div>
<!-- Livereload script (if served using the cli tool) -->
<script type="text/javascript">
var socket = new WebSocket("ws://localhost:3000/__livereload");
socket.onmessage = function (event) {
if (event.data === "reload") {
socket.close();
location.reload();
}
};
window.onbeforeunload = function() {
socket.close();
}
</script>
<script type="text/javascript">
window.playground_copyable = true;
</script>
<script src="elasticlunr.min.js" type="text/javascript" charset="utf-8"></script>
<script src="mark.min.js" type="text/javascript" charset="utf-8"></script>
<script src="searcher.js" type="text/javascript" charset="utf-8"></script>
<script src="clipboard.min.js" type="text/javascript" charset="utf-8"></script>
<script src="highlight.js" type="text/javascript" charset="utf-8"></script>
<script src="book.js" type="text/javascript" charset="utf-8"></script>
<!-- Custom JS scripts -->
</body>
</html>