Yuan Tianfan saw that baozixuan attached so much importance to and trusted him. He had no rejection of job hopping to work in heiyun. It was lucky 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, and even fall into the second place for several blocks.


    With curiosity, yuan Tianfan followed Bao Zixuan to the technology department on the 20th floor. He has never fully understood the establishment of a technology department in a bank, but ordinary banks do not have this department.


    After coming in, I saw rows of large machines neatly arranged. Yuan Tianfan had seen such machines in Europe and America. At this time, even HSBC has not introduced these machines. Isn''t it that there are still many imperfections in the technology that heiyun is ready to use these machines!


    Bao Zixuan smiled and said, "President yuan should know what machines these are!"


    Yuan Tianfan smiled and said, "of course, ATM, but have the technical problems been solved?"


    ATM is also called ATM, which means automatic teller machine. Because most of it is used for withdrawal, it is also called ATM. It is a highly precise mechatronics device, which uses magnetic code card or smart card to realize self-service of financial transactions and replace the work of bank counter personnel.


    Shepard Baron, an Englishman who graduated from the University of Edinburgh in 1963, had the idea of inventing the ATM.


    In the mid-1960s, Shepard Baron was the manager of Delaware instruments. One day, he had an inspiration while taking a bath. Thinking that he was often angry because he couldn''t get money from the bank, he planned to design a machine that could get money 24 hours a day. He met the general manager of Barclays Bank and asked him to give him 90 seconds to listen to him introduce the idea. As a result, the other party gave an answer in the 85th second, that is, as long as he could build this machine, he would buy it immediately.


    On June 27, 1967, Shepard succeeded and the world''s first ATM was unveiled at the Barclays Bank branch near London. At first, customers could only withdraw ￡ 10 from the ATM at a time, because ￡ 10 was enough for ordinary families to last the weekend.


    Hashimoto spent 2 million pounds to buy the technical patent and technical license of ATM machine from Shepard Barron; At the same time, it rejected the other party''s contract to produce ATM for heiyun bank.


    In baozixuan''s opinion, the ATM machines invented by the British are too simple, and they are all directional operation; Many functions are not perfect. It''s useless to take black cloud. With patent authorization, ATM functions can be continuously increased, and the technical advantages of black cloud group should be brought into play.


    When the Shepard Baron company finally closed down, one hated why he authorized the patent for ￡ 2 million, but he didn''t understand it until he died.


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


    After the password is verified, you can enter the main page. The words "query", "withdrawal", "deposit", "card refund" and so on can be seen on the screen; What you want to do, you can select the corresponding key. The operation is very simple. At the same time, there is an English interface, which can make a choice before inserting the card.


    Baozixuan clicks to withdraw the money, confirms the amount, and enters the password again; The cash outlet opened and spit out the money directly.


    After returning the card, he took the money to another ATM and chose to deposit through a series of processes; Then the money is collected by the ATM.


    Yuan Tianfan looked at these plots in front of him, which seemed to happen only in science fiction movies. Today, he actually saw them in reality. Is the technical strength of black cloud so strong? It seems that Bao Shoufu''s opening a bank is just incidental, and changing people''s lifestyle 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 when you feel it yourself can you feel his convenience, otherwise you will never feel it.


    At present, ATM machines can only make simple deposits and withdrawals, and can''t do other work. But it also surprised yuan Tianfan. This is technically crushing the existence of other banks. More convenient, fast and efficient service is the premise to attract customers. Heiyun bank has no technical problems.


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


    Yuan Tianfan: "how 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 computers, the scope of bank cards was expanding. It not only reduced the circulation of cash and checks, but also made fundamental changes in banking business due to breaking through the limitations of time and space. With the application of bank card automatic settlement system, the arrival of a "no check, no cash society" will soon become a reality.


    But now Xiangjiang has not been popularized. People are more used to using passbooks. Black cloud ranks first in the field of memory chips in the world. Of course, we should closely combine technology with bank cards.


    Not only that, in order to reflect the dignity of VIP customers and the importance attached by the bank to them. Heiyun group has also specially customized a batch of titanium alloy bank cards, which can be said to have a very high level of protection. Even cutting with a knife may not damage them.


    These titanium alloy bank card deposits can only be owned by customers with more than HK $100 million, or those specially approved by baozixuan can also get them. In addition, a number of titanium alloy credit cards have been made, mainly for the super rich Xiangjiang.


    Bao Zixuan smiled and said, "don''t underestimate this bank card. The production cost alone is more than $500."


    Looking at yuan Tianfan''s surprised expression, baozixuan continued: "this bank card is made of titanium alloy and built-in encryption chip to prevent hackers from invading and modifying data. In the world, other people don''t want to think about it except that our black cloud bank can modify the deposit amount. "


    Although I don''t understand what hacker means, it may be a professional term! One thing yuan Tianfan understood very well, that is, other people can''t modify the bank card data, which is enough.


    However, considering that the cost of a card is more than $500, it is indeed a luxury, which is in line with the style of Bao''s richest man. However, after finishing his next sentence, baozixuan didn''t feel the high production cost of bank cards: "only large households with deposits of more than HK $100 million 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 with the deposit.


    Two people came to a computer and looked at a card slot machine linked to a computer. After baozixuan asked the staff to operate it again, yuan Tianfan understood the mystery.


    Black cloud bank not only set up memory chips for bank cards, but also installed magnetic strips on passbooks. As long as you swipe in the card swiping slot, the information can be fed back to the computer. This can save a lot of time and improve work efficiency.


    Steamed stuffed bun Xuan continued: "do you know why we fell 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 on the one hand. The most important thing is the negative floor. There is not only an internal garage, but also half the space for the bank''s central computer group, that is, the data center of our whole bank."


    "There are five HY-1 industrial computers on the negative floor. In the future, all data of our bank will be saved in the central computer. The bank operating system developed with black cloud software is definitely the most efficient bank in the world. "


    HSBC has only two IBM industrial computers, which is the highest configuration of Xiangjiang bank. Black cloud has five supercomputers and forms a central computer cluster, which can be easily handled by 100 million customers.


    Opening a bank is not baozixuan''s original intention, but he doesn''t want to be betrayed at critical moments and sensitive transactions. His purpose is to sell underground vault equipment, ATM equipment, bank card production equipment and bank terminal computer equipment through opening banks. This may be more profitable than opening a bank, and he is more willing to work hard in 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, blackcloud group has spent a lot of human, material and financial resources. The best locksmith hired from Switzerland and Germany; Patented technology purchased from the UK; A production line specially developed for the production of bank cards. These require huge capital investment. The purchase volume of heiyun Bank alone is not enough for R & D expenses.


    Baozixuan knows that banks are not bad money enterprises, which are basically controlled by capital giants. They don''t care much about spending more money. As long as you can provide safer, efficient and convenient services, they should be willing to pay for them.