Reborn in Hong Kong: The Tycoon Grows Up

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 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.

Out of curiosity, Yuan Tianfan followed Bao Zixuan to the technical department on the 20th floor. He still doesn't quite understand the idea of ​​a bank setting up a technical department. Most banks don't have this department.

After entering, 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 has not introduced them. Isn't it true that Heiyun is planning to use these machines? Doesn't it mean that the technology still has many imperfections?

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

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

Automatic teller machines are also called ATMs, 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 device that uses magnetic code cards or smart cards to implement self-service financial transactions, replacing the work of bank teller personnel.

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 a manager at De La Rue Instruments. One day, he had a sudden inspiration while taking a bath. Thinking that I was often annoyed because I couldn't withdraw money from the bank, I planned to design a machine that could withdraw money 24 hours a day. He met the general manager of Barclays Bank in the United Kingdom and asked the other party to give him 90 seconds to listen to him introduce the idea. As a result, the other party gave a reply in the 85th second, that is, as long as such a machine can be built, he will buy it immediately.

On June 27, 1967, Sheppard 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 ATM, because at that time 10 pounds was enough for an ordinary family to survive the weekend.

Hiroshi Hashimoto spent 2 million pounds to purchase the technology patent and technology license of the ATM machine 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 opinion, the ATM machines invented by the British were too crude, and they were all directional operations; many functions were not perfect, and after Heiyun took them over, they were of no use at all. With patent authorization, we can continue to increase the functions of ATM machines and bring out the technical advantages of Heiyun Group.

When the Shepard-Barron Company finally collapsed, he hated why he had licensed the patent for 2 million pounds in the first place, and he never understood it until his death.

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", etc. on the screen; just select the corresponding button to do what you want, and the operation is very simple. There is also an English interface, so you can make choices 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 returning the card, I took the money and walked to another ATM. After a series of procedures, I chose to deposit; then the money was taken away by the ATM.

Yuan Tianfan looked at the plots in front of him that seemed to only happen in science fiction movies, but today he actually saw them in reality. Could it be that Heiyun's technical strength is already so strong? It seems that Bao Shaofu opened a bank just by the way. Changing people's lifestyles and habits is 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 yourself can you feel its convenience, otherwise you will never realize it.

At present, ATM machines can only perform simple deposits and withdrawals, and cannot do other tasks. But this also surprised Yuan Tianfan. This is a technology that crushes other banks. More convenient, faster and efficient services are the prerequisite for attracting customers. 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. It not only reduces the circulation of cash and checks, but also fundamentally changes banking business by breaking through the limitations of time and space. The application of the bank card automatic settlement system will make the arrival of a "checkless, cashless society" a reality in the near future.

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

Not only that, in order to reflect the dignity of VIP customers and the importance that the bank attaches 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 deposits exceeding 100 million Hong Kong dollars, or people who are specially approved by Bao Zixuan can also get it. In addition, a batch of titanium alloy credit cards were produced, mainly for the super-rich people in Xiangjiang.

Bao Zixuan said with a smile: "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 understood very well was that other people could not modify the bank card data, and that was enough.

However, considering that the cost of a card is more than 500 US dollars, this is indeed luxurious and fits the style of the richest man Bao. However, after Bao Zixuan said the next sentence, he did not feel that the production cost of bank cards was high: "Only large accounts with deposits of more than 100 million Hong Kong dollars can apply for such bank cards."

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.

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 provides memory chips for bank cards, but also installs magnetic strips on passbooks. As long as you swipe in the card slot, the information can be fed back to the computer. This can save a lot of time and improve 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 vault's armor 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. All data of our bank will be saved in the central computer in the future. The bank operating system developed with Heiyun software will definitely be the most efficient bank in the world."

HSBC only has two IBM industrial computers, which are already the highest configuration in 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 goal is to sell underground vault equipment, ATM equipment, bank card production equipment, and bank terminal computer equipment by opening a bank. This may be 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. The best locksmiths were hired with high salaries from Switzerland and Germany; patented technology purchased from the UK; and a production line specially developed 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\u0026D 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 more secure, efficient and convenient services, they should be willing to pay for these.