America’s Big Hero

Sean wants to start the credit card machine business, very much!

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A while ago, old man David said that he should put his energy back into the country, and Sean also thought that was the truth, so he thought about it for several days.

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Finally, I turned my attention to the credit card machine!

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The reason for doing this is because Sean wants to open up another track.

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At present, Sean's domestic layout in the United States is mainly in the media industry, in order to control a part of the public opinion mouthpiece, of course, the profit of this thing is not small.

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Well, it's not too small, there are too many more profitable industries.

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The advantage of the media is that it can win over a lot of people, regardless of politics or business, no one wants to talk about a media tycoon who is smeared by people on the media all day long.

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But to say how much impact this thing can have on the United States, um, it should be a big one, but it's all from the side.

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For example, the four major grain merchants do not make much money, but the impact is real.

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Digressing from the topic, then again, what is the most influential in the United States, or in capitalism?

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It's money!

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It's a lot of money!

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Looking a little deeper, it's cash flow.

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Huge cash flow!

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It's just that the banking industry is either controlled by a big conglomerate in the United States or controlled by Wall Street, and Sean can't get involved at all.

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The former Sean Bank was created by Sean in order to facilitate the allocation of his own money and the maximum utilization of funds.

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Later, the Mafia went overseas, and Sean Bank developed to Colombia. Recently, the umbrella has spread to Southeast Asia and expanded to Southeast Asia.

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Don't look at it as an international bank, but the amount of funds that can be mobilized is really stretched.

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Don't compare yourself to anyone else, not even Ocean First Bank in Gilbert, NJ.

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Then, in the banking industry, can a track be created?

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The answer is yes!

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Gather sand into pagodas, gather armpits into furs.

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One or two retail industries may seem inconspicuous, but the retail industry has the largest cash flow.

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In later generations, there are so many companies that do pos machine business, national and provincial, as many as several in one city.

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The fee is extremely low, and the card machine is free. Why?

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Does it cost nothing to maintain?

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No, the pso machine company is looking at running water.

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The general pos machine should be in t+1 mode, and it is in normal mode.

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One day, thousands of shops are running water, this is a huge amount of cash, and there is such a large amount of cash lying in the account, it is too much punishment!

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Well, many of them are very punishable!

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This track has not been opened yet. If Sean built it himself, then the number of t+ is not what he said.

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What is the industry standard.jpg

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Who dares to infringe their own rights when they develop their own business and monopolize related technology patents?

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Naoguazi fart for him!

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Waiting for others to develop and bypass the patent barrier, then you will have at least half a year to a year of first-mover advantage, how much coverage can you have?

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When the time comes, I will be making some stumbling blocks, using insidious tricks, coercion and temptation. It is best to buy someone else, but if you can't, sue him!

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Patent disputes prevented him from commercializing.

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With various means, as long as several major consortiums don't end up, Sean is sure to take most of the market.

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How much cash flow is that?

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Can make people crazy!

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The fact that Monroe Deve's words could not be realized could not extinguish Sean's enthusiasm, and he still didn't believe it.

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ibm has it all, just a credit card machine...

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……

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Although IBM is a giant company in the computer industry, its headquarters is not in Silicon Valley, but in Armonk, New York.

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Hello New York State, Hello Rockefeller's site!

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Sean's helicopter went straight to it. Now Sean, even if he doesn't need Rockefeller's name, it's easy to meet people from IBM.

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Yates Donahue, 45 years old, a technical director of IBM, Sean did not find any secret place, but just set up a cafe not far from IBM headquarters.

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Good guy!

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The four bodyguards at the entrance were slapped around their waists, obviously carrying guns, and there were four cars parked nearby. The windows of the cars were open, and all the strong men in camouflage uniforms sat in them. Almost had bad intentions written on his face.

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Pedestrians all detoured.

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Americans like to highlight their individuality, like challenges, and like to die, but...

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No one really came up to challenge.

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Yates Donahue was also a little dumbfounded when he parked next to him. He peered out of the car to look at the store sign. If he hadn't come here often, he would have thought he had walked to the Hollywood filming set.

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This stage!

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A black suit walked over to the car and bent over and asked, "Is that Mr. Yates Donahue?"

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"Our boss is waiting for you inside!"

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The corner of Yates Donahue's mouth twitched slightly. He got out of the car, pushed the door and walked into the cafe. When he saw the empty cafe, he knew what was going on.

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I can't help but sigh that he is indeed a super rich, young and frivolous, and spending money so generously.

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In fact, you can't even book a venue. How caring is this posture, and you're still sitting here drinking coffee!

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"Mr. Yates Donahue, good noon." Sean greeted him personally, giving him enough face.

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"Mr. Sean, hello, hello, nice to meet you." Yates Donahue hurriedly walked over.

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Shaking hands and greeting each other, Sean led people to a seat and sat down.

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Not by the window.

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The security team forbade Sean from sitting by the window and other places with a good view in public.

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ε=(′ο｀*))) Alas, the life of the rich is just so boring.

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After getting coffee, after a few token chats, Sean cut to the chase, "I have a question to consult, here is the consultation fee, and here is the non-disclosure agreement."

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Said, pushing a check and a contract over.

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Yates Donahue looked down, and Tong Kong shrank.

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$500,000!

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This is so **** arrogant!

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Although he is a technical director at IBM, he sounds very tall, but now IBM is not one of the three giants of ioe in later generations. This is only 87 years!

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His annual salary is only more than 100,000 yuan, 8 times the per capita gdp, which is already a high salary.

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Hey, the veterans from Sean's start don't look down on this amount of money, bah, shabby.

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Looking at the check for 500,000, Yates Donahue had the urge to quit and call his father.

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Dad, tell me what you want me to do!

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After taking the check, without saying a word, he picked up the non-disclosure agreement and signed his name.

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He didn't even read the content, it was meaningless. He wished it was a contract of prostitution.

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After signing the contract, Sean retracted the contract, and a man walked by and placed the handheld credit card machine on the table.

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"A terminal, dedicated to swiping bank cards. Of course, it can also be other cards. This company is mine."

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"Now, I need I want such a system, he can connect this terminal to various shops in the city through the telephone line, such as this coffee shop."

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"Guests don't need to bring cash, they only need to use a bank card, and they can directly transfer the money from the bank card to the store's account on this terminal. Is this function possible?"

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Yates Donahue frowned and said very clearly, a card, a terminal, and a bank account.

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After a long while, Yates Donahue looked up at Sean, "Technically, it is completely achievable. Whether it is the telephone network or the coaxial cable, the laying of the entire North America has been completed."

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"Oh, fine!" Sean's eyes lit up, and he knew there was absolutely no problem.

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"I'll use New York State as an example." Yates Donahue drew a small circle on the table with his fingers dipped in coffee. He thought that Sean might not understand, so he should try to be as brief as possible, "The first choice is to need a large server, allocating storage For all data, branch servers are set up in each city, and each store in the city is connected through telephone lines to realize data connection.”

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"If New York State cooperates with banks in various cities, it will be even simpler."

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"I have my own bank, and I can open stores across the country. Even if I don't open it, it's fine to build a service station." Sean added.

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"Then there is no problem technically. The data of a city is processed in the branch system of the city, and the main state system between cities is comprehensively processed to construct a hierarchy. The server can fully handle this workload."

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"There are two difficulties. First, multiple banks cannot coordinate. It is not that data cannot be exchanged between banks, but it is a security factor that can only be handled separately."

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"I don't want other banks, just use mine."

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"Then there is one more issue, the security issue. Any terminal can be connected to the bank database. This is extremely unsafe. Although very few people understand this, it is not safe after all, and a large number of data flows are also unsafe. It will inevitably have an impact on the main system of the bank." Yates Donahue frowned more and more tightly, the 500,000 cannot be taken for nothing, he must give a complete solution.

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Hearing Yates Donahue's tickling, Sean tilted his head and remembered, there are solutions to these things in future generations, but he is not familiar with them, so he has to look them up from memory.

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No one spoke. Did Yates Donahue draw on the table with coffee? He wanted to come up with a technical solution.

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"Hey, do you think this will work?" Sean's eyes suddenly lit up, and Yates Donahue looked up in confusion.

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"A card is specially issued for guests. There is no money in the card, and no money can be saved. There is only a fixed amount, um, the credit limit." Sean thought of a credit card, but he couldn't apply it completely, "It's like doing it alone. A banking system is completely separated from the existing banking system, so that there is no interoperability of data, and there will be no security issues.”

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"And the credit limit is fixed, and it is impossible to spend money indiscriminately."

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The more he spoke, the brighter Sean's eyes became, "For example, Yates Donahue, with an annual salary of 180,000 yuan and a monthly salary of about 15,000 yuan, then I can calculate your repayment ability based on your monthly salary and set up a monthly consumption 1 for you. million credit cards."

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"I understand!" Yates Donahue threw a fist in excitement, "It's simple, because only the deductions will reduce the data that needs to be processed in half, and more than that, I live in Armonk all the year round. , In fact, most of the consumption data is processed in Armonk, and the molecular server here will record the amount I consume in a day and how much money I have left."

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"It's impossible for me to go from Armonk to New York all of a sudden. Then, the Armonk molecular server uploads data to the New York State main server to update the data once a few hours or longer."

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"Other cities are similar, even if it is enough to make a manual trip every day with data, in fact, it is completely affordable through the telephone line."

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"Well, there is no need for such a large data transfer between states. After all, it is a minority of people who have cross-state consumption."

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"It's not difficult to update a small amount of user data after it is released. Our current banking system can complete this operation, deposit money in New York and withdraw money in Los Angeles."

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"Actually, it's very simple. You can start a separate sub-section under the banking system. Even if the data is not updated in time, it doesn't matter if you spend the limit, just deduct the credit limit for the next month."

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"Credit currency, we have the right to recover, no one dares to owe a debt, um, a small amount of bad debt can be tolerated."

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"There is a fixed credit limit for one month, the unit is monthly, and it is updated on a fixed date. Well, you can also repay the loan in advance. You can go to the bank to repay the money, and you can continue to spend it after updating the data."

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"Clap clap clap..." Sean raised his hand and clapped, it was great, great, "bad debts are unbearable, no one can owe me money unless he is dead!"

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"Uh..." Yates Donahue twitched the corners of his mouth. Well, he forgot that this guy was the boss of the Umbrella Company, a guy who kills without blinking.

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Sean didn't care what Yates Donahue thought, he just asked with a smile, "Since you've already figured out the plan, then the plan for the entire system has come out. The server is not the only one from IBM."

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"Oh, well, it must be that IBM doesn't do what he wants." Yates Donahue nodded, "IBM's servers are the most stable, but you need to find Microsoft to customize the system of the card machine."

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"Wait!" Sean stood up abruptly, staring at Yates Donahue, excited, one was uncontrollable, full of momentum, and that murderous aura was unreservedly released.

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Yates Donahue tensed, and somehow, as if he had met a natural enemy on the food chain, but just looking at it like this, his hands and feet were cold, his body was stiff, he couldn't move, and his sweat was uncontrollable. The ground seeped out from under the skin, soaking through the front of the clothes in a short time, and sweating profusely.

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Sean was taken aback by this look, but he immediately reacted, which was frightening.

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He coughed lightly, sorted out his thoughts, and did it again. Then he reached out and patted Yates Donahue on the shoulder, "Go back to your mind, go back to your mind."

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"Ah, ah, oh oh... huh!" Yates Donahue raised his head to wipe his sweat, panted heavily, lowered his head, didn't dare to look at Sean at all, that just really frightened him.

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Now that he is not stiff, his whole body is softened, as if he had just been squeezed by several women in turn, and he couldn't squeeze out any sour strength.

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Sean rolled his eyes. It was really troublesome. Someone brought another cup of coffee to Yates, and after drinking it a little bit, he recovered.

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"Did you mention Microsoft just now?" Sean asked aloud, and he felt as if he had forgotten something very important, but he couldn't remember it.

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After being mentioned by Yates, he suddenly realized, damn, time travel, how can we forget Microsoft, the company with the highest market value in the future, the richest man on the bright side!

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"Ah yes." Yates Donahue said in a soft voice: "IBM's system service partner, normally, the bank's database must be Oracle, but your system is mainly used by individual businesses. , the operating system on the terminal needs to be re-customized."

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"Oh, yes yes yes, and Oracle!" Sean clapped his hands heavily, what the hell, come, come.

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Yates Donahue glanced at Sean secretly, wondering why this guy suddenly fell ill, is he crazy?

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"Come on, tell me about Microsoft, what's going on with them now." If you are a traveller, you will never forget Microsoft and Apple.

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Sean made a fortune, and after he had some money, he deliberately checked the stock market. As a result, Microsoft was not listed at all, and it was worthless.

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Sean checked Apple again, and this one went public. It went public on December 12, 1980. On the day of its listing, a bunch of historical records were created. By the time Sean looked at the stock market, Apple was already a Fortune 500 company, and it was history. fastest record.

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Sean walked away with tears in his eyes.

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Apple or something, wait, Sean doesn't remember the specific trend, but he remembers that Apple will slowly enter the lowest point, and then ask Lao Qiao to come out after the "Wenjiu House", and it will get out of hand, so, wait for 90 years to buy it again Apple stock is just fine.

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A few years in advance is enough!

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He now cares more about Microsoft.

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"Microsoft, it's okay."

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"Say what you know."

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"Uh, Microsoft released it, a personal computer operating platform." Yates Donahue looked at Sean secretly and said cautiously.

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"Is there any more?"

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"Well, it went public last year, and in March 1986, the stock trended very well." Yates Donahue said tentatively again.

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"Okay." Sean squinted his eyes with satisfaction, shaking his head, "That's great! Ah!"

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Yates Donahue thinks Sean is insane.

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"What about the oracle bone inscriptions?"

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"The annual sales are 55 million US dollars. It was also listed in the same period last year, and the stock price trend is also very good."

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"Okay, that's great!" Sean continued to shake his head.

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Sean sat there and didn't speak. Yates Donahue had nothing to do and felt uncomfortable. He raised his hand and looked at his watch, "Hey, does Mr. Sean have any other orders?"

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"Ah, no, I'll contact you later, but there is a high probability that it will be negotiating with IBM!" Sean said with a smile.

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"Okay, call me anytime you need to." Yates Donald hurriedly got up and walked out.

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Sean leaned back on the chair and laughed for a while before beckoning Norris to come over, "Call me Jordan Belfort."

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Norris called, Sean took it, and said directly, "Help me with the operation, I'm going to eat all the Microsoft and Oracle stocks in the market."

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Sean has a personal account on Wall Street and has been entrusting the Wolf of Wall Street to operate it on his behalf.

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"Of course there's no problem, as long as you have money." Jordan Belfort answered succinctly.

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"Money is not a problem. I'll call you 100 million dollars later. Use it first. Also, don't make it too expensive."

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"certainly."

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After hanging up Jordan Belfort's call, Sean instructed Norris, "Remember, don't forget, after half a month, let out the wind, I am more interested in Microsoft and Oracle, two companies, to buy their shares, which shareholder is Contact me if you want to sell your stock."

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"Okay, I took note."

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U.S. stock regulations stipulate that after the IPO is listed, the shares in the hands of shareholders will enter a lock-up period for a period of one year.

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No shares can be sold during the year.

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After the expiration of the period, the stocks that can be sold in March cannot exceed 1% of the outstanding shares. For executives and directors of listed companies, the total transaction volume of such people every three months is more than 50,000 US dollars or the trading volume exceeds 5,000 shares. should apply in writing to the relevant agency...

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Anyway, there are a lot of messy restrictions, but after a year of listing, many shareholders will indeed start to sell their stocks to cash out.

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After all, being a millionaire, a multi-millionaire, and improving your life is for sure.

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It can only be said that Sean was really in a hurry. It has just passed a year and is still in the first March cycle.

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Okay, so good!

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Old man David was right, it's time to return to China to cultivate.

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Look, look, this isn't the moment I came back, I found so many business opportunities!

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This money, it's like being blown by a strong wind!

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Fuck, now I want to see, who would say that I'm a bad guy!

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I, Sean, have money!

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Arranging things happily, Sean doesn't need to be more at ease. He has done the math, and now he can struggle, it doesn't matter even if he is always a loser.

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When the Internet age arrives, no one else will have anything to do!

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All of them belong to Lao Tzu!

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Whoever dares to **** it from himself will be destroyed!

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The richest man in the world, I, Sean, are seated!

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After a while of beauty, Sean Shi Shiran came out of the coffee shop, got into the car, transferred to the plane, and returned to Newark all the way.

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……

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Menlo Deve's eyes brightened the more he listened to the Yates Donahue thing.

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Although this is completely different from what Sean described to him at the beginning, it is much simplified. It can only be connected to Sean Bank, only a fixed credit card, no storage function, no balance inquiry, no international use, no currency conversion...

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But, that's enough!

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The only similar function is visa, but this is for tourism and official business, and it is not a race track.

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This is a monopoly right now!

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Yates Donahue is a techie, and the profit here is driving people crazy. Monroe Deve's eyes shone brightly, and he jumped over and grabbed Sean's arm tightly, "Boss, Do, must do, this is the shortcut to becoming a real top bank!"

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"Heh!" Sean curled his lips, "Be a good deal and see how much you need to invest."

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Monroe Deve squinted and calculated: "There are 50 states in the United States, one Washington, D.C., we have at least 20 continent-level branches, and the top 5 cities in each state must open branches, and there are more than one, To ensure business exchange, such as the 10 largest cities in the United States, each cannot be less than 10 branches."

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"After all, it won't be less than 200."

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"Opening a branch, buying land and real estate, decoration, labor, servers..."

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"You can't come down without 50 million in the preliminary preparations."

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"Why do only 20 of the 50 states need to invest, and what about the others? Only the top five cities in each state? Is it a little less? Even if the city ranks 100, the gdp is higher than that of many small countries?" The question is thrown away.

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"Boss, what I'm talking about is only the initial investment of bank branches, not including operating costs, and if you want to promote this business, you need to hire a lot of people, not every city is Newark, Sean Bank is there Bian Ke doesn't have much popularity, whether it's attracting people to open cards or attracting merchants to use card machines, it's not something that can be done in a short period of time!"

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"In the later stage of operation, the expenses will be more frightening. Before we make a profit, we can't support the larger expenses." Monroe explained to Sean.

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"Monroe, you have to understand a little." Sean, leaning back tactically, looked at Monroe with his nostrils, and said in a rather complacent tone: "I, Sean, have money!

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"

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"500 million, is it enough to develop a business!" Sean waved his hand, with a certain aura of contempt for the world.

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Monroe:"……"

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I don't know what the boss is crazy about, but he is too familiar in this state. Every time Sean becomes a big loser, he always looks like I am rich!

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Monroe felt a headache but also felt refreshed. Who doesn't like a generous boss.

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"Dear boss, we have no experience in running such a large bank. If we rashly expand without asking internal questions, a little problem will be magnified. At that time, we have to expand new business. See the opportunity!" Monroe reassured.

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"Moreover, in the newly developed areas, the public awareness is low, so how can we attract customers to open cards is a problem."

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"This is a very good business, which allows us to take shortcuts and surpass most banks in the United States and even the world. This opportunity must not be let go because of our own mistakes. God will not forgive me."

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"Where's Shen Bi?" Sean's brows were furrowed. It's safe to develop slowly, but other banks won't watch it, and it's not an NPC.

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"He can't either. HSBC is successful in business, not operation. HK is too small, and its experience is not representative."

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Sean narrowed his eyes, thinking of a way to get the best of both worlds.

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"Then, can we complete the pre-acquisition by acquiring other local banks?" Sean suggested again.

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"Yes, yes." Monroe looked at Sean helplessly, "The cost of acquisition is very high, we are paying every user!"

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"500 million is not enough for you to talk, I, Sean, have money!

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" Sean looked up at Monroe.

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"Okay, ok, ok!" Monroe pursed his lips and spread his hands, this will indeed spread the business faster.

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Monroe did not put forward any objection news. Compared with the huge cash flow after the business was launched, it is really not a problem to spend several hundred million now.

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In other words, the bank is not listed, otherwise, as soon as the news is announced, the rising stock price alone will be enough for Sean Bank to expand its business.

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Monroe couldn't figure out why Sean was holding on to the bank's ban on listing, but since Sean said he had enough bullets now, let's do it.

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First of all, the consulting company provides a piece of information, the gdp situation of each state in the United States, the gdp of major cities, in addition to the consumption figures of various categories, and so on.

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Various data comparisons can be used to select which states are suitable for promoting the credit card machine business.

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This is not the future, the network is developed, and it can be promoted casually in a city.

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The first thing to consider is the issue of telephone service providers, and then whether there are enough businesses that can be promoted, and the evaluation of the difficulty of promotion.

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It is necessary for some states to establish a continent-level database, and some states do not need it at all, only one or two cities can open a point.

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For example, New York State and California must be opened at the continent level, but New York City and Los Angeles will have to have a separate continent level server.

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After all, New York has more people than the entire New Jersey.

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In short, this is a very complicated project, and it is not something that Sean can open just by touching his lips.

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Especially in this industry, he was the first to open up a track.

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The entire investigation report took hundreds of people tossing around for a whole week, and Sean had to follow the staff.

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After selecting the candidate cities, it is not finished. It is necessary to re-find suitable local banks for merger and reorganization. The local banks must have a large number of customers within the selected cities.

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After research, the entire team still thinks that Sean's plan to spend money is the best, and the time cost saved is more important than the money paid.

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Another good filter.

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There are more than 20 banks that meet the selection criteria. Of course, all mergers are impossible.

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At this time, there is a problem. Several teams think that a good bank is a listed company!

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Listed companies are very troublesome. If they want to eat them, they can either acquire 75% of the shares and force them to delist, or Sean Bank will go public through backdoor listing.

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"Why don't you want to go public?" Monroe asked eagerly: "I want Sean Bank to go public. Even if it is only 10 times the price-earnings ratio, it can easily raise hundreds of millions of funds!"

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"Are American leeks so easy to cut!" Sean rolled his eyes, "With their money, any major decision has to be announced. It's easy to talk about profitable business, but lose money!"

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"How can I do whatever I want, if I don't like you, I will open you directly. Is it okay to be a listed company, a stock fryer, and I have to investigate Laozi!"

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Monroe's face darkened, what's the point of dismissing me if it's not pleasing to the eye!

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But he also knows that Sean Bank's role is not only to

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"Then why not buy it into a wholly-owned subsidiary and get a controlling stake?" Monroe suggested a compromise.

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"Let's see." Sean waved his hand~www.NovelMTL.com~ first operate other banks to make acquisitions. "

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Monroe thought for a while and said, "It's best if you go to your house, boss, and ask Mr. David to help. A normal bank is not like us. The shareholding structure is so simple and clear, and the shareholders of a normal bank are extremely complicated. For a shareholder to negotiate an acquisition individually, the price may be lower, but the time cost is too high, so avoiding it is much better than re-laying the network and promoting it from '0'."

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"Okay, give me the information!" Sean wouldn't do the stupid thing in the TV series that he has to stand out on his own and would rather die if he helps his family.

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Like a fool!

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Sean casually rummaged through some gifts from the cold storage at home, and ran to Rockefeller Center in New York!

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As soon as he arrived at the door, he waved his hand to let the secretary go away, and opened his mouth with a sweet voice, "Grandpa Fifth, I'm here!"

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Inside the house, the corner of old David's mouth twitched...

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……

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……

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Talking about a few monthly passes.

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Last month, I didn't even see the fireworks. Did it pass 5000? The code word, I forgot...

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But, this month, every reader father has a guaranteed monthly pass, so what, ahem...

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You understand!

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!

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Tickets!

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