Reborn in Hong Kong: The Tycoon Grows Up

When Bao Zixuan was receiving guests, Shen Bi, the biggest competitor of HSBC, was not idle either. He wanted to see what advantages Heiyun Bank had compared with HSBC. Only by knowing yourself and the other side could you win every battle. In fact, it is not only Shen Bi who has such an idea, but other banks in Hong Kong also have the same purpose.

For small and medium-sized banks, the pressure is even greater. HSBC also has an advantage in terms of size, but they have no advantage compared to Black Cloud Bank. At this time, everyone is worried about the future of the bank.

Now that I can experience the service process of Black Cloud Bank up close, this is the best opportunity to understand this bank. It will be difficult to find opportunities in the future. Heiyun Group is the company with the most security guards in Hong Kong, and no other company.

After Shen Bi and York Shihuaiya left the hall, they wanted to see what was different about Heiyun Bank from ordinary banks. Bao Zixuan's ideas were too advanced and he had to guard against many things; Shen Bi was in the corner of the hall. I was surprised by the ATM machine. The lobby on the first floor of Heiyun Bank actually has more than 20 ATM machines in the northwest corner. The most important thing is that the efficiency of these machines is so high.

As long as you insert your bank card into it, the operation is very simple and it can be said that it is easy to get started. As the head of HSBC, of ​​course I know that Barclays Bank in the UK was the first to use this kind of machine, but later found that the function was too single and not suitable for the Hong Kong market, so it was not introduced.

But seeing that these machines in Heiyun Bank can actually provide deposit and withdrawal services for any amount, this is not just a simple function, but can be fully commercialized. He can't imagine how much labor this can save.

And it can be popularized in any corner of Hong Kong. This is how convenient and fast it is to serve customers. After seeing the ATM machine, Shen Bi is looking forward to popularizing this kind of machine. HSBC has this ability.

But after seeing the four characters Heiyun Bank on the ATM machine, he was brought back to reality. These machines belong to the Heiyun Group. Even if HSBC wants to popularize them, it must obtain Bao Zixuan's consent.

He knew a thing or two about Heiyun Group's purchase of ATM machine patent rights. At that time, he felt that Bao Zixuan was just trying to create a gimmick. Now it seems that people have already made a comprehensive plan and are just waiting for the bank to open for comprehensive promotion.

If Heiyun Bank installs such machines in all shopping malls and public places, then the first choice bank for Hong Kong citizens will no longer be HSBC. Even if it costs a lot of money to get this kind of machine, if Bao Zixuan doesn't agree, it will be imported from China. I heard that the patent for the ATM machine belongs to the British Empire.

Shen Bi looked at the operation process of the ATM machine and became very interested in this kind of machine. I happened to see my former subordinate Yuan Tianfan introducing this kind of machine to Bauhaus-Sanderson of Standard Chartered Bank and Takeshi Sumitomo of Sumitomo Bank. It can be seen from their expressions that they all have a strong interest in ATM machines.

Bauhaus-Sanderson and Sumitomo Takeshi also personally operated the machine. They were full of praise for the ATM machine and expressed their strong willingness to introduce it.

Seeing Shen Bi come over, although Yuan Tianfan no longer works at HSBC, after all, Shen Bi took good care of him back then, and his status in the world was still there. He quickly walked forward and said, "Taipan, you are here."

Shen Bi was very satisfied with this title, so he replied: "I have been here for a while, and I just saw that your ATM machine is convenient, fast, and very easy to popularize. Are these all produced by Heiyun Group itself?"

Yuan Tianfan: "I just came here and I haven't fully understood many things yet. However, the production is all produced by Heiyun itself. But to achieve the effect, a whole set of systems must be used together. I don't know the details very well. Engineering and technical personnel are needed." Introducing to you.”

Shen Bi was not talking, but followed a few people to visit Heiyun Bank. Today is the opening ceremony of another bank, so it is not suitable for discussing project introduction.

Several people came to the bank counter. The bulletproof glass over 5 centimeters was the only one in Hong Kong. Yuan Tianfan swiped his work badge and entered the counter through the door on the side.

I saw that each staff member had a computer, and they could just swipe their passbook and bank card on a small machine, and the computer could immediately read the information in the passbook and bank card, which was clearly visible on the screen.

Several of them are experts in banking and can feel the quality of the product immediately. Now that we see such convenient reading equipment, the work efficiency of the staff is on the one hand, and the most important thing is how much time it can save customers. This is intangible wealth that cannot be measured by money.

Seeing a person coming, Yuan Tianfan said: "Gong Li, please introduce to the bosses the working principles of our bank's computer system and ATM machine."

Li Gong's name is Li Fujing. He graduated from Oxford University majoring in computer science. It can be said that he is an alumni of Bao Zixuan, Shen Bi and Bauhaus-Sanderson. After graduation, he was recruited by Heiyun Software Company. After the establishment of Heiyun Bank, he was responsible for developing bank computer systems. Currently, he is the chief engineer of the Internet department of Heiyun Bank.

After Li Gong nodded to Yuan Tianfan, he began to say: "The main reason why the ATM machines and computer terminal equipment used by Heiyun Bank are so smooth and error-free is that the banking system we developed ourselves is coordinated by large industrial computers."

"Each bank card is a small encrypted memory. If you want to change the contents inside, you must go through Heiyun Bank's terminal equipment. That is, we issue instructions to the bank card or passbook through the computer. Driven by the computer instructions, the bank card or The passbook will change the data stored in it."

"It is impossible for anyone else to read the device. Once the bank card is violently read, a rejection command will be issued. At the same time, all data will be uploaded to the central computer group for storage. Every access record of the customer can be accessed through the central computer The computer cluster can be found. Each of our computers and ATM machines can be connected to the central computer cluster, and information can be retrieved at any time."

"ATM machines placed in other places can transfer data by replacing the hard drive, which means that we will replace the hard drive when opening the safe of the ATM machine. Bring the hard drive back to the bank and let the central computer read the hard drive to achieve the data Purpose of uploading.”

"At the same time, each bank card can also record more than 10,000 pieces of data information, which means that the bank card needs to be replaced after 10,000 transactions."

Hearing that the function was so powerful, Shen Bi and others couldn't wait to take it back and study it carefully. But they also know that this is simply impossible. As far as they know, only Black Cloud Bank in the world has such equipment. If you want to introduce it, you will definitely be beaten by Bao Zixuan, but if you don't introduce it, your own bank will fall behind. This is a difficult choice.

Takeshi Sumitomo said: "Hello Li Sang! I would like to ask, are all banks' software systems the same?"

Sumitomo Takeshi also understands computer information technology, at least more than the two British people.

Li Gong: "The basic algorithm is similar to the code, but the banking system involves the core secrets of a bank. Under normal circumstances, software companies will only carry out basic development, and do not dare to excessively participate in core technologies and cryptographic programs."

"If I help your bank develop core programs, I will have nothing to do with it if a very familiar human crack occurs in the bank's computer system."

After hearing this, Takeshi Sumitomo felt that it made sense. The core secret must indeed be in the hands of his own people. So he said: "So we should also recruit a group of talents who have graduated from computer science to achieve this effect."

Li Gong replied without hesitation: "Yes, otherwise no one can tell if there is a problem with the system."

Shen Bi: "Does Gong Li have any recommendations for this kind of talent? So we can be mentally prepared."

Li Gong: "Currently, major well-known universities in the world are systematically cultivating computer majors. Xiangjiang Yulin Institute of Technology is a good choice, but it will take some time for their students to graduate. Others, such as the school I graduated from, Oxford Computer science majors in universities are pretty good in the world. In addition, MIT, Stanford, California Institute of Technology, etc. in the United States are all good choices."

Hearing that the person in front of them was a graduate of Oxford University, Shen Bi and Bauhaus-Sanderson increased their trust invisibly. Not only is it a well-known university in the UK, it is also the alma mater of both of them.

There are many resources available for recruiting graduates in Oxford, and the school will also provide a lot of convenience. It seems that some plans must be put on the agenda, otherwise they will be preempted by their opponents. This is currently Shen Bi and Bao Hao - Sanderson's true thoughts.