v2 Chapter 534： The advantage of technology

Yuan Tianfan saw that Bao Zixuan attached so much importance and trust to him, and he no longer had any rejection of changing jobs to work in Heiyun. It was a blessing for an aspiring professional manager to meet such a boss.

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 first existence, and they will even fall to the second place for several streets.

With curiosity, Yuan Tianfan followed Bao Zixuan to the technical department on the 20th floor. For a bank to set up a technology department, he still did not understand very well, but ordinary banks do not have such a department.

After coming in, he 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 it. Is Heiyun going to use these machines, doesn't it mean that there are still many imperfections in the technology!

Bao Zixuan said with a smile, "President Yuan should know what kind of machines these are!"

Yuan Tianfan said with a smile, "Of course, ATMs, but have all the technical problems been solved!"

Automatic teller machine is also called ATM, which means automatic teller machine. Because most of it is used for withdrawing money, it is also called automatic teller machine. It is a highly sophisticated mechatronic device that utilizes magnetic code cards or smart cards for self-service financial transactions, replacing the work of bank tellers.

Shepard Barron, an Englishman who graduated from the University of Edinburgh in 1963, had the idea of ​​​​inventing an automatic teller machine.

In the mid-1990s, Shepard-Barron was a manager at Dela Road Instruments. One day he had an inspiration in the shower. Thinking that I am often annoyed because I can't get money from the bank, I plan to design a machine that can get 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 his introduction of the idea. As a result, the other party gave a reply in the 85th second, that is, as long as the machine can be built, he will buy it immediately.

On June 27, 1967, Sheppard succeeded, and the world's first ATM was unveiled at a Barclays branch near London. Initially, customers could only withdraw £10 at a time from the ATM, as £10 was enough to last the average family on a weekend.

Hashimoto Hiroshi spent 2 million pounds to purchase the technical patents and technical authorization of the ATM machine from Shepard-Barron; at the same time, he rejected the other party's contract to produce ATMs for Heiyun Bank.

In Bao Zixuan's opinion, the ATMs invented by the British were too simple and operated in a directional manner; many functions were not perfect, and after Heiyun brought them over, they were useless at all. With the patent authorization, the functions of ATM machines can be continuously increased, and the technological advantages of Heiyun Group should be brought into full play.

When Sheppard-Barrons finally collapsed, he hated why the patent was licensed for £2 million in the first place, and he didn't understand until he died.

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

After the password verification is passed, you will enter the main page. On the screen, you can see the words "inquiry", "withdrawal", "deposit", "refund card", etc. You can select the corresponding button for what you want to do, and the operation is very simple. At the same time there is an English interface, you can make choices before inserting a card.

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

After returning the card, he took the money and walked to another ATM. After a series of procedures, he chose to deposit; then the money was collected by the ATM.

Yuan Tianfan looked at the plots in front of him that seemed to happen in a sci-fi movie, but he actually saw them in reality today. Could it be that Heiyun's technical strength is already so strong? It seems that the richest man Bao opened a bank just by the way. It is his purpose to change people's lifestyles and habits.

After Bao Zixuan took out a new bank card and gave it to Yuan Tianfan, he asked him to do it too. You can only feel his convenience if you experience it yourself, or you will never realize it.

At present, ATM machines can only perform simple deposits and withdrawals, and cannot do other work. However, this also surprised Yuan Tianfan. This is technically crushing the existence of other banks. More convenient, fast and efficient services are the premise of attracting customers. Heiyun 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 1990s, due to the rapid development of science and technology, especially the use of electronic computers, the use of bank cards has been continuously expanded. Not only has the circulation of cash and checks been reduced, but the banking business has fundamentally changed by breaking through the constraints of time and space. The application of the bank card automatic settlement system makes the arrival of a "checkless, cashless society" a reality soon.

It's just that Xiangjiang has not been popularized yet, and people are more accustomed to using passbooks. Heiyun is the world's first in the field of memory chips, of course, the technology must be closely integrated with bank cards.

Not only that, in order to reflect the dignity of VIP customers and the bank's attention to them. Heiyun Group 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 card deposits must be owned by customers with more than 100 million Hong Kong dollars, or those who have been approved by Bao Zixuan can also get it. In addition, a batch of titanium alloy credit cards was also produced, mainly for the super rich in Hong Kong.

Bao Zixuan said with a smile, "Don't underestimate this bank card. The production cost alone is more than $500."

Looking at Yuan Tianfan's surprised expression, Bao Zixuan continued: "This bank card is made of titanium alloy and has an encryption chip built-in, just to prevent hackers from invading and altering the data. In the world, except in our Heiyun Bank, we can modify the inside of the card. The amount of money deposited, no one else even thinks about it.”

Although I don't understand what hacking means, it may be a professional term! One thing Yuan Tianfan heard very clearly was that other people couldn't modify the data of the bank card, and that was enough.

However, considering that a card costs more than $500, this is indeed a luxury, and it fits the style of the richest man. However, after Bao Zixuan said the next sentence, he did not feel that the production cost of bank cards was high: "Only large households 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 not worth mentioning compared to the deposit.

Two people came to a computer and watched a card slot machine connected to a computer. After Bao Zixuan asked the staff to operate it, Yuan Tianfan understood the mystery.

Heiyun Bank not only installed memory chips for bank cards, but also installed magnetic strips on passbooks. As long as it is swiped in the card slot, the information can be fed back to the computer. This saves a lot of time, which in turn increases productivity.

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

"The negative floor has 5 HY-1 industrial computers. In the future, all the data of our bank will be stored in the central computer. The bank operating system developed with the Black Cloud software is definitely the most efficient bank in the world."

HSBC has only 2 IBM industrial computers, which are already the highest configuration of the Hong Kong Bank. Black Cloud has 5 supercomputers and forms a central computer cluster, which can easily handle 100 million customers.

It wasn't Bao Zixuan's original intention to open a bank, he just didn't want to be betrayed at critical moments and sensitive transactions. It is his goal to open a bank to sell underground vault equipment, ATM equipment, bank card production equipment, and bank terminal computer equipment. This may be more profitable than opening a bank, and he prefers to dig deep 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, the Black Cloud Group spent a lot of manpower, material and financial resources. The best locksmiths hired from Switzerland and Germany with high salaries; the patented technology purchased from the UK; the production line specially developed for the production of bank cards. These all require huge capital investment, and the purchase volume of Heiyun Bank alone is not enough for research and development expenses.

Bao Zixuan knew that banks were all companies with good money, and they were 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 them.