America’s Big Hero

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

A while ago, old man David said that he should put his energy back to the country, and Sean also felt that this was the truth, so he pondered for several days.

Finally, I set my sights on the credit card machine!

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

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

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

The advantage of the media is that it can win over many people. Regardless of politics or business, no one wants to talk about a media tycoon and be put on the media to discredit all day long.

But if you want to say how much impact this thing can have on the United States, well, it should be very big, but it is all sideways.

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

Off topic, but then again, what is the most influential thing in the United States, or in capitalism?

It's money!

It's a lot of money!

Looking a little deeper, it's cash flow.

Huge cash flow!

It's just that the banking industry is either controlled by a large American consortium or controlled by Wall Street, and Sean can't get involved at all.

The former Sean Bank was established by Sean for the convenience of laundering money and maximizing the utilization of funds.

Later, the Mafia went to sea, and Sean Bank followed it to Colombia. Recently, the umbrella has exploded in Southeast Asia, and then expanded to Southeast Asia.

Even though it is an international bank, the amount of funds that can be mobilized is really impressive.

Don't compare yourself to Ocean First Bank in Gilbert, NJ.

So, in the banking industry, can a track be opened up?

The answer is yes! !

Gather sand to form a tower, gather armpits to form fur.

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

There are so many companies in the POS machine business in later generations, national, provincial, and even several in a city.

The fee is extremely low, and the card machine is free to send, why?

Maintenance does not cost money ah?

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

The general POS machine should be T+1 mode, and it is normal mode.

One day, the turnover of tens of thousands of shops is a huge amount of cash, and such a large amount of cash lying in the account is too much punishment!

Well, many of them are criminals!

The track has not been developed yet, if Sean built it himself, then the number of T+ is not up to him.

What is an industry standard?.jpg

Self-developed business, monopolizing related technology patents, who dares to infringe their own rights?

Brain beat and fart him!

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

At that time, I will be stumbling, using dirty tricks, intimidating and luring, it is best to buy others, if not, sue him!

Patent disputes prevented him from commercializing.

By various means, as long as it doesn't end with a few big consortiums, Sean is sure to take over half of the market.

How much cash flow is that?

Can drive people crazy! !

The unfulfilled words of Monroe Deve couldn't dampen Sean's enthusiasm, and he still didn't believe it.

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

...

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

Hello New York State, hello Rockefeller's territory!

Sean's helicopter directly went there, even if Sean didn't use Rockefeller's name, it would be easy for Sean to meet someone from IBM.

Yates Donahue, 45 years old, a technical director of IBM, Sean didn't find any secret place, just rented a coffee shop not far from IBM headquarters.

Good guy!

The four bodyguards at the gate were groaning, obviously carrying guns, and there were four cars parked nearby, with the windows open, and all the people inside were strong men in camouflage uniforms, who had been passing by pedestrians nearby. He almost had bad intentions written all over his face.

Get all the pedestrians around.

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

No one really came up to provoke.

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

This ostentation!

A man in a black suit walked to the car and bent over, asking, "Is that Mr. Yates Donahue?"

"Our boss is waiting for you inside!"

The corner of Yates Donahue's mouth twitched slightly, he got out of the car, opened the door and walked into the coffee shop, he knew what was going on when he saw the empty cafe, it was reserved.

Can't help but sigh that he is really a super rich, young and frivolous, spending money so lavishly.

In fact, it is not allowed to book the venue. How caring is this posture, and you are still sitting here drinking coffee!

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

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

After shaking hands and exchanging pleasantries, Sean ushered them to a seat.

Not by the window.

The security team prohibited Sean from sitting by a window or other places with a good view in public.

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

After drinking coffee, after a few symbolic chats, Sean cut to the chase, "I have a question to consult, here is the consulting fee, and here is the confidentiality agreement."

As he spoke, he pushed a check and a contract over.

When Yates Donahue looked down, his pupils shrank.

$500,000!

This is so fucking arrogant!

Although he was a technical director in IBM, he sounded tall and powerful, but the current IBM is not one of the three IOE giants in later generations. It is only 87 years ago!

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

Hey, the veterans like Xiao En Qijia don't think much of this little money, bah, it's shabby.

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

Dad, tell me, what do you want me to do!

After taking the check, without further ado, he picked up the non-disclosure agreement and signed his name.

It's meaningless not to read the content, he wished it was a contract of prostitution.

After signing, Sean withdrew the contract, and a person walked by put the handheld credit card machine on the table.

"A terminal, dedicated to swiping bank cards. Of course, other cards can also be used. This company belongs to me."

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

"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?"

Yates Donahue frowned, and he made it very clear, a card, a terminal, and a China Unicom bank account.

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

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

"I'll use New York State as an example." Yates Donahue dipped his finger in some coffee and drew a small circle on the desktop. He thought that Sean might not understand, so he kept it as simple as possible. "The first choice is a large server. For all the data, branch servers are set up in each city, and all stores in the city are connected through telephone lines to realize data connection.”

"If New York State and the various cities cooperate with the bank, it will be simpler."

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

"That's technically no problem. The data of a city is processed in the city's branch system, and the inter-city data is comprehensively processed by the state main system. The structure is hierarchical, and the server can fully bear this workload."

"Two difficulties. First, multiple banks cannot coordinate. It is not that cross-banks cannot exchange data, but because of security factors, they can only be handled separately."

"Don't use other banks, just use mine."

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

Hearing Yates Donahue muttering, Sean tilted his head and remembered that there are solutions to these things in later generations, but he is not familiar with them after all, so he has to look them up bit by bit from his memory.

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

"Hey, see if this works." Sean's eyes suddenly lit up, and Yates Donahue looked up in confusion.

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

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

The more he talked, the brighter Sean's eyes became, "For example, Yates Donahue has 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 plan for you. million credit cards."

"I see!" Yates Donahue pumped his fist excitedly, "It's simple, because there are only deductions, and the data that needs to be processed will be reduced by half. Not only that, I live in Armonk all 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.”

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

"It's similar to other cities. Even if it's enough to carry the data every day, it's enough to run manually. In fact, it can also be afforded through the telephone line."

"Well, there is no need for such a large data transmission between states. After all, it is a small number of people who consume across states."

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

"It's actually very simple. Just 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."

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

"One month's fixed credit limit, monthly as a unit, fixed date update, well, you can also repay the loan in advance by yourself, go to the bank to repay the money, and you can continue to spend after updating the data."

"Papa papa..." Sean raised his hands and applauded, great, very good, "Bad debts are unbearable, no one can owe me money, unless he is dead!"

"Uh..." The corners of Yates Donahue's mouth twitched, well, he forgot that this guy is the boss of the Umbrella Company, a murderous guy.

Sean didn't care what Yates Donahue thought, he just asked with a smile, "Since you've already figured out the plan, then the laying plan for the entire system has come out, right? It's not just IBM's server."

"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 ask Microsoft to customize this system for the credit card machine."

"Wait!" Sean stood up abruptly, staring at Yates Donahue with his eyes fixed on him. He was so excited that he couldn't control it, and his aura burst out, and his murderous aura was unreservedly released.

Yates Donahue's whole body tensed up, for some reason, as if he had encountered a natural enemy on the food chain, but after being looked at like this, his hands and feet became cold, his whole body was stiff, he couldn't move, and his sweat was uncontrollable The ground seeped out from under the skin, soaking the skirt of the clothes in just a moment, and sweating profusely.

Sean was taken aback by this appearance, and then realized that he was shocked.

With a light cough, he collected his thoughts and started to do it again. Then he reached out and patted Yates Donahue on the shoulder, "Come back to your senses, come back to your senses."

"Ah, ah, oh... hoo!" Yates Donahue raised his head to wipe his sweat, panting heavily, and lowered his head, not daring to look at Sean at all, the moment just now really frightened him.

Now it is no longer stiff, but rather weak all over, as if it has just been squeezed by several women in turn, and even a sliver of strength cannot be squeezed out.

Sean rolled his eyes, it was really troublesome, so someone sent another cup of coffee to Yates, drank it a little bit, and then he recovered.

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

After being mentioned by Yates, it suddenly dawned on him, how can he forget Microsoft, the company with the highest market value in the future, and the richest man on the surface!

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

"Oh, that's right, there are also Oracle bone inscriptions!" Sean clapped his hands heavily, what the hell, here they are, all of them are here.

Yates Donahue took a peek at Sean, wondering why this guy suddenly fell ill, is he crazy?

"Come, come, tell me about Microsoft, what's going on with them now." If you're a time-traveler, you won't forget Microsoft and Apple.

Sean made a fortune, and after he had some money, he checked the stock market. It turned out that Microsoft was not listed at all, and he was penniless.

Sean checked Apple again, and it was listed on December 12, 1980. It set a bunch of historical records on the day of listing. When Sean looked at the stock market, Apple was already a Fortune 500 company in the world, and it was a historical record. Fastest record.

Sean walked away with tears in his eyes.

Apple or something, wait, Sean doesn't remember the specific trend, but he remembers that Apple will slowly enter the bottom, and then "Plague Wine House" will invite old Joe out of the mountain, and it will be out of control, so wait for 90 years before buying Apple stock is fine.

Years in advance, enough!

He cares more about Microsoft now.

"Microsoft, there's nothing wrong."

"Say you know."

"Uh, Microsoft released Microsoft Windows 1.0, a personal computer operating platform." Yates Donahue secretly looked at Sean and said cautiously.

"Is there any more?"

"Well, it went public last year. In March 1986, the stock market trend was very good." Yates Donahue said tentatively again.

"Okay." Sean narrowed his eyes, looked satisfied, and shook his head, "That's great! Ah!"

Yates Donahue thinks Sean is crazy.

"What about the oracle bones?"

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

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

Sean sat there without saying a word, Yates Donahue had nothing to do, feeling uncomfortable all over, he raised his hand and looked at his watch, "Hey, does Mr. Sean have any other orders?"

"Ah, it's gone. I'll contact you later, but there's a high probability that I'll be negotiating with IBM!" Sean said with a smile.

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

Sean leaned back on the chair, laughed for a while, and then beckoned Norris to come over, "Contact me Jordan Belfort."

Norris called, Sean took it, and directly ordered: "Help me operate it, I want to eat all the stocks of Microsoft and Oracle in the market."

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

"Of course it's okay, as long as you have money." Jordan Belfort answered very simply.

"Money is not a problem. I will call you 100 million US dollars later. Use it first. In addition, don't make the price too expensive."

"certainly."

After hanging up Jordan Belfort's phone, Sean told Norris again, "Remember, don't forget, after half a month, there will be rumors that I am more optimistic about Microsoft and Oracle. If you want to acquire their shares, which shareholder Contact me if you want to sell your stock.”

"Okay, I made a note."

According to US stock regulations, after an IPO is listed, the shares in the hands of shareholders will enter a lock-up period of one year.

No stocks can be sold during the year.

After the expiration, 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 transaction volume exceeds 5,000 shares When applying, a written application should be made to the relevant institution...

Anyway, there are many restrictions on chaos, but after one year of listing, many shareholders will indeed start to sell their stocks to cash out.

After all, if you finally become a millionaire or multi-millionaire, you will surely improve your life.

It can only be said that Sean's timing was really coincidental. It has just passed a year and is still in the first three-month cycle.

OK, that's great! !

What old man David said is indeed right, it is time to return to the country to cultivate.

Take a look, take a look, this is not the first time you come back, you will find so many business opportunities!

This money seems to be blown by a strong wind!

Fuck, now I want to see, who the hell said I'm a bad man!

I, Sean, have money! !

Satisfyingly arranging things, Xiao En felt more at ease in his heart, he was done, and now he can work hard, even if he has always been a negative one.

When the Internet age arrives, there will be nothing to worry about other people!

It's all Lao Tzu's!

Anyone who dares to rob him will be destroyed!

The richest man in the world, I, Sean, sit down!

After enjoying the beauty for a while, Sean finally came out of the coffee shop, went out to get in the car, transferred to the plane, and returned to Newark all the way.

...

After talking about Yates Donahue's set, Monroe Deve's eyes brightened the more he listened.

Although this is completely different from what Sean described to him at the beginning, it has been simplified a lot. It can only be connected to Sean Bank, it can only be a fixed-amount credit card, there is no storage function, it cannot check the balance, it cannot be used across borders, and it cannot convert currencies...

However, this is completely enough!

The only one with a similar function is VISA, but this is for tourism and business, not a track.

This is a monopoly now!

Yates Donahue is a technical guy who knows nothing, and the profits here can drive people crazy. Monroe Deve's eyes lit up, and he rushed over and grabbed Sean's arm, "Boss, Do it, you must do it, this is the shortcut to becoming a real top bank!"

"Heh!" Sean twitched his lips, "Make a good deal and see how much money you need to invest."

Monroe Deve squinted his eyes and calculated in his mouth: "There are 50 states in the United States, and one Washington DC. We must have at least 20 continental branches. The top 5 cities in each state must open branches, and there are more than one. It is used to ensure business exchange, such as the 10 largest cities in the United States, each with no less than 10 branches."

"Counting it down, there will be no less than 200."

"Open a branch, buy land and real estate, decoration, labor, servers..."

"There is no 50 million yuan in the preliminary preparations."

"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 a city ranked 100 has a GDP higher than many small countries, right?" Sean said a series of questions. The problem was thrown away.

"Boss, what I'm talking about is only the initial investment of the bank branch, not counting the operating cost. If you want to promote this business, you need to hire a lot of people. Not every city is Newark, and Sean Bank is there. Bian does not have much popularity, whether it is attracting people to open cards or attracting merchants to use credit card machines, it is not something that can be done in the short term!"

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

"Monroe, you have to understand a little bit." Sean, a tactician leaned back, looked at Monroe with his nostrils, and said in a quite complacent tone: "I, Sean, have money!!"

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

Monroe:"……"

I don't know why the boss is crazy, but he is too familiar with this state, every time before Xiao En becomes a big loser, he always looks like I am rich!

Monroe felt refreshed and headache at the same time, who doesn't like a generous boss.

"Dear boss, we have no experience in running such a large bank. If we expand rashly and don't ask internally, even a little bit of problem will be magnified. At that time, we will have to expand new business. A bad one will delay a lot of time and give others a lot of money. See the opportunity!" Monroe comforted.

"Moreover, in newly developed areas, people's awareness is low, and how we can attract customers to open a card is a problem."

"This is a very good business, which allows us to take a shortcut 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."

"Where's Shen Bi?" Xiao En frowned. It's safe to develop slowly, but other banks won't care about it, and they're not NPCs.

"He can't do it either. HSBC is successful in business, not in operation. The place in HK is too small, and the experience is not representative."

Sean squinted, he wanted to find a way to get the best of both worlds.

"Then, can we complete the previous accumulation by acquiring other local banks?" Sean suggested again.

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

"500 million is not enough for you to talk about. I, Sean, have money!!" Sean looked up at Monroe.

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

Monroe did not raise any objections. Compared with the huge cash flow after the business is launched, it is really not a problem to spend several hundred million now.

That is to say, 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.

Monroe couldn't figure out why Sean was holding on to the bank and not allowing it to go public, but since Sean said that there were enough bullets, let's do it.

First of all, the consulting company provides a piece of information, the GDP of each state in the United States, the GDP of major cities, in addition to consumption figures of various categories, etc.

Only by comparing various data can we select which states are suitable for promoting the credit card machine business.

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

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

Some states need to establish a continental database, and some states do not need it at all, and only one or two cities can be opened.

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

After all, the population of New York is much larger than that of New Jersey.

In short, this is a very complicated project, and it cannot be opened as soon as Sean's lips touch his lips.

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

It took hundreds of people a whole week to complete an investigation report, and Xiao En had to follow the staff.

The selection of candidate cities is not yet complete, but a suitable local bank must be found for merger and reorganization. The local bank must have a large number of customers within the selected city.

After research, the entire team still felt that Sean's money-saving plan was the best, and the time and cost saved were more important than the money paid.

Another good filter.

There are more than 20 banks that meet the selection criteria. Of course, it is impossible to merge all of them.

At this time, a problem arises. The bank that several teams think is very good is a listed company!

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

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

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

"How can I do whatever I want? If you don't like me, I will fire you directly. Is it okay to be a listed company, and the stock is frying pan, and why do you want to investigate me!"

Monroe's face turned black, what the hell is it that he doesn't like me and fires me!

However, he also knew that Sean Bank's role was not only to

"Then it's not okay to acquire a wholly-owned subsidiary and get a controlling stake?" Monroe proposed a compromise.

"Let's see." Sean waved his hand, "First operate other banks to make acquisitions."

Monroe thought for a while and said: "Boss, you should go to your family and ask Mr. David to help. Normal banks are not like us. The shareholding structure is so simple and clear. The shareholders of normal banks are extremely complicated. If one of us If a shareholder negotiates the acquisition separately, the price may be lower, but the time cost is too high, and avoiding the taboo is much better than us re-laying the network and promoting from '0'."

"Okay, give me the information!" Sean would not do such stupid things as in TV dramas where he insisted on getting ahead, and would rather die than surrender if his family helped him.

Like an idiot!

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

As soon as he arrived at the door, he waved the secretary away, opened his mouth and said sweetly, "Fifth Grandpa, I'm here!"

Inside the house, old man David's mouth twitched...

...

...

Talk about a few monthly tickets.

I didn’t see the fireworks at the end of last month. Did it pass 5000, the code word, I forgot...

But, this month, every reader's father has a guaranteed monthly pass in his hand, so what, ahem...

You understand! ! !

Vote! !