Reborn Xiangjiang Tycoon Growth

When Yuan Tianfan saw that Bao Zixuan valued and trusted him so much, he no longer had any objections to changing jobs and working in Heiyun. Being able to meet such a boss was a blessing for an aspiring professional manager.

At the same time, I am also very satisfied with the internal facilities of Heiyun Bank. The office environment and hardware here in Xiangjiang are definitely the best, and may even fall several blocks behind the second place.

With curiosity, Yuan Tianfan followed Bao Zixuan to the technical department on the 20th floor. He still didn't fully understand the establishment of a technical department in a bank, as ordinary banks did not have this department.

After coming in, I saw rows of large machines neatly arranged. Yuan Tianfan had seen such machines in Europe and the United States. At this time, even HSBC had not introduced them. Is it possible that Heiyun is planning to use these machines? Doesn't it mean that the technology still has many imperfections?

place!

Bao Zixuan smiled and said: "President Yuan should know what kind of machines these are!"

Yuan Tianfan smiled and said: "Of course, ATM teller machine, but have the technical problems been solved?"

Automatic teller machines are also called atm, which means automatic teller machines. Because most of them are used for withdrawing money, they are also called automatic teller machines. It is a highly sophisticated electromechanical integration device that uses magnetic code cards or smart cards to achieve self-service for financial transactions.

Replace the work of bank tellers.

As early as 1963, British Sheppard-Barron, who graduated from the University of Edinburgh, had the idea of ​​​​inventing an automatic teller machine.

In the mid-1960s, Shepard-Barron was the manager of De La Rue Instrument Company. One day, he had an inspiration while taking a shower. Thinking that he was often annoyed because he couldn't get money when he went to the bank, he planned to design a

A machine that can withdraw money 24 hours a day. He met the general manager of Barclays Bank in the UK and asked the other party to give him 90 seconds to listen to him introduce this idea. As a result, the other party gave a reply in the 85th second, that is, as long as this can be done

Buy the machine as soon as it is built.

On June 27, 1967, Shepard succeeded, and the world's first automatic teller machine was unveiled at a Barclays Bank branch near London. Initially, customers could only withdraw 10 pounds at a time from the automatic teller machine, because at that time, 10 pounds

It’s enough for an average family to sustain themselves over the weekend.

Hiroshi Hashimoto spent 2 million pounds to purchase the technology patent and technology license for ATM machines from Sheppard-Barron; at the same time, he rejected the other party's contract to produce ATMs for Black Cloud Bank.

In Bao Zixuan's view, the ATM machines invented by the British were too crude and operated in a directional manner; many functions were not perfect, and Heiyun would have no use at all after taking them over. With patent authorization, the functions of the ATM machines can be continuously added.

It is necessary to give full play to the technical advantages of Heiyun Group.

When the Sheppard-Barron Company finally collapsed, it was a matter of regret as to why it had licensed the patent for 2 million pounds in the first place, and it was not clear to the day of its death that it was understood.

Bao Zixuan took out a bank card and inserted it into the card slot of the ATM machine. Yuan Tianfan also saw the boss starting to enter the password.

After the password verification is passed, you will enter the main page. You can see the words "Inquiry", "Withdrawal", "Deposit", "Card Return" and other words on the screen; just select the corresponding button to do what you want. The operation is very simple.

.There is also an English interface, so you can make a choice before inserting a card.

Bao Zixuan clicked on the withdrawal button, confirmed the amount and entered the password; the cash outlet opened and he spit out the money.

After withdrawing the card, I took the money and walked to another ATM. After going through a series of procedures, I chose to deposit; then the money was taken away by the ATM.

Yuan Tianfan looked at these plots that seemed to only happen in science fiction movies, but he actually saw them in reality today. Is it possible that Heiyun's technical strength is already so powerful? It seems that Bao Shaofu opened a bank just by the way, and changed people's lifestyles and habits.

his purpose.

After Bao Zixuan took out a new bank card and handed it to Yuan Tianfan, he asked him to operate it again. Only by experiencing it for yourself can you feel the convenience, otherwise you will never realize it.

At present, ATMs can only perform simple deposits and withdrawals, and cannot do other tasks. However, this also surprised Yuan Tianfan. This is a technology that crushes other banks. More convenient, faster and efficient services are what attract customers.

Based on the premise, Black Cloud Bank has no technical problems.

Bao Zixuan took out a silver-white metal card and said, "Do you know what this is!"

Yuan Tianfan: "Why is this bank card made of metal?"

In fact, as early as the 1970s, due to the rapid development of science and technology, especially the use of electronic computers, the scope of use of bank cards continued to expand. This not only reduced the circulation of cash and checks, but also enabled banking services to break through time and space.

Fundamental changes have taken place due to the restrictions. The application of the bank card automatic settlement system will make the arrival of a "no check, cashless society" a reality in the near future.

It's just that it's not yet popular in Hong Kong, and people are more accustomed to using passbooks. Heiyun is the world's number one in the field of memory chips, and of course it must closely integrate the technology with bank cards.

Not only that, the dignity of customers and the importance that banks attach to them. Heiyun Group has also specially customized a batch of titanium alloy bank cards. It can be said that the protection level is very high, even if it is cut with a knife, it may not be damaged.

This batch of titanium alloy bank cards can only be owned by customers with a deposit of more than 100 million Hong Kong dollars, or people who are specially approved by Bao Zixuan can get it. In addition, a batch of titanium alloy credit cards have also been produced, mainly for the super rich in Xiangjiang.

of.

Bao Zixuan smiled and said: "Don't underestimate this bank card. The production cost alone is more than 500 US dollars."

Looking at Yuan Tianfan's surprised expression, Bao Zixuan continued: "This bank card is made of titanium alloy and has a built-in encryption chip to prevent hackers from intruding and changing the data. Except in the world, our Heiyun Bank can modify it.

The deposit amount is something that no one else has to think about.”

Although I don’t understand what hacker means, it may be a professional term! One thing Yuan Tianfan understands very well is that other people cannot modify the bank card data. This is enough.

However, thinking that the cost of a card is more than 500 US dollars, this is indeed luxurious and in line with the style of Bao Zixuan. However, after Bao Zixuan said the next sentence, he did not feel the high cost of making bank cards: "Only those with deposits exceeding 100 million Hong Kong dollars

Only large accounts can apply for such a bank card.”

After hearing this, Yuan Tianfan suddenly felt that the production cost was not very expensive, at least it was not worth mentioning compared to the deposit.

The two people came to a computer and looked at a card slot machine connected to a computer. After Bao Zixuan asked the staff to operate it once, Yuan Tianfan understood the mystery.

Black Cloud Bank not only installs a memory chip for the bank card, but also installs a magnetic strip on the passbook. As long as you swipe the card into the card slot, the information can be fed back to the computer. This can save a lot of time and further improve the efficiency of the bank card.

Work efficiency.

Bao Zixuan continued: "Do you know why we descended more than 10 meters to reach the underground vault, and the height of the vault is only about 5 meters!"

"The thickness of the armor of the vault is one of the reasons. The most important thing is that on the negative floor there is not only an internal garage, but also half of the space is used to store the bank's central computer cluster, which is the data center of our entire bank."

"There are five hy-1 industrial computers on the negative floor. From now on, all data of our bank will be stored in the central computer. The bank operating system developed with Heiyun software will definitely be the most efficient bank in the world."

HSBC has only 2 IBM industrial computers, which is already the highest configuration in the history of Hong Kong Bank. Heiyun has 5 supercomputers and forms a central computer cluster. This kind of computing power can easily handle 100 million customers.

Opening a bank was not Bao Zixuan's original intention, he just didn't want to be betrayed at critical moments and sensitive transactions. His purpose was to sell underground vault equipment, ATM equipment, bank card production equipment, and bank terminal computer equipment by opening a bank. This may be

It is more profitable than opening a bank, and he is more willing to delve into the field of machinery manufacturing, which is also in line with the name of a technology company.

In order to develop a complete set of equipment, Heiyun Group spent a lot of manpower, material resources and financial resources. It hired the best locksmiths from Switzerland and Germany with high salaries; purchased patented technology from the UK; and specially developed a production line for the production of bank cards.

All of these require huge capital investments, and the purchases made by Heiyun Bank alone are not enough to cover R&D expenses.

Bao Zixuan knows that banks are all companies that are not short of money and are basically controlled by capital predators. They don't care much about spending more money. As long as you can provide safer, more efficient and more convenient services, they should be willing to do it.

These pay the bills.