In the last time and space, Fang Xi selected the most humane invention, and the first one was naturally the smart phone.

Smart phones have truly accelerated the advent of the Internet era, making the entire society more entertaining and faster.

The other is the era of fast payment brought by smart phones.

Speaking of smart payment, what’s interesting is that Western society develops the credit card through bank credit, which is credit card payment.

However, credit cards also have their own shortcomings. It is not the inconvenience of credit cards that many people imagine. If you really want to say it, one is for a mobile phone and the other is for a credit card. Not many people choose credit cards for micropayments, why?

Because the credit card is provided by the bank, this thing is actually an extension of the giant crocodile like the bank. The user doesn’t feel like using the credit card, but the merchant has to pay the handling fee. As far as Fang Xi knows, the general handling fee is the lowest. 0.7, the highest is the consumption during the meal, which can reach a 2% handling fee. That is to say, if you eat 200 yuan for a meal and choose a credit card to pay, the merchant can actually receive 196 yuan, of which Four yuan must be given to the bank.

For the merchants, it is very stomachache. It is hard to open a shop and do business. Not only do you have to spend money to buy your bank's POS machine, but your bank also needs to draw from every money? Adding to the tax and other money for opening a store, it's weird that a business likes this thing.

To put it bluntly, the fast payment by scanning the QR code at that time won the arrogance of the bank. The bank itself has a variety of financial channels, and the idea is very simple. Since every credit card can withdraw the handling fee and eat a lot of money. , Then why should I give up this part of the income?

So a treasure realized overtaking in a corner, and Fang Xi also planned to do it again today.

The principle of Fang Xi's realization is also very simple, all thanks to the almighty **** of death.

After more than a year of exploration, Fang Xi found that the most powerful function of the Reaper Server, in addition to data processing capabilities, also has strong security performance.

In the more than a year since the Reaper server provided its backup, Hongyi has never had a server compromised by hackers, or lost user information, and server fluctuations, shocks, and instability have never happened, very Reassuring.

After confirming that the server has reassuring security performance, then the most suitable one is naturally to store financial data.

So a few months ago, the people in Hongyi's financial department also received Fang Xi's plan with a bewildered look.

As for the planning book of the chairman of Hongyi, as long as the employees of Hongyi have heard of it, the problem is that they can understand the planning book of the game, but the planning book of the financial...? What to do, how can I tactfully reject the chairman without being deducted from his salary? Waiting online, very anxious.

However, after opening the planning book, a group of financial staff calmed down. From Fang Xi’s explanation of the concept of fast payment, it can be seen that this talented chairman is not ignorant of finance, and the person in charge is more concerned about it. , Fang Xi provides a so-called "absolutely secure" server and an "absolutely secure encryption algorithm" matching this server. This is also the core difficulty in finance: the encryption of data streams and the confidentiality of customer information.

If Fang Xi's two points can really be realized, then all other problems can be said to be no problem.

Can these two points be achieved? Of course.

The Grim Reaper server, its own golden finger, is the best server, and no one in this world may be able to break it.

The Golden Finger Reaper that comes with the Reaper server provides an encryption algorithm, which is also stable and reliable.

With these blessings, Hongyi's internal quick payment app has actually been completed a long time ago, and recently it has been relying on Gu Qin's relationship with the bank. The quick payment thing is obviously digging into the corner of the bank. If you ran into the head office and cooperated, Fang Xi felt that his game empire might be wiped out the next day. He chose the one used by a certain treasure first. Technique:

Embed quick payment into the bank's branch and use it to replace e-banking, and finally complete the overall payment replacement from the bottom up. This is the method of a treasure, and it is also the strategy currently used by Hongyi.

In order to make this plan go ahead smoothly, Gu Qin was almost exhausted to vomit blood in the past two months, and he persuaded the local branch in Beiyang every day to persuade them to be the first to open this type of interface, and to get directly from Fang Xi. After taking all the proceeds of the game of survival, a financial team and a public relations team were recruited with a price of 800 million U.S. dollars. In the end, through a good relationship with the municipal government, Hongyi opened the first door of fast payment.

At a local press conference held by Hongyi, financial executives dug by Hongyi showed reporters the latest version of the Honghu APP with payment functions.

The QR code payment, fingerprint and face verification made the reporters present shouted magically, and wrote an article on the spot: The era of digital distribution of video games has begun.

To be on the safe side, Fang Xi did not even invite a financial-related reporter. His slogan was just a quick discount for buying games. After all, game reporters were not familiar with finance and could not tell that Hongyi was hiding in it. "Sinister" intentions of traditional bank payments.

The press conference ended in a friendly atmosphere of hello and me. Hongyi directly launched the latest payment method that night, and forced all users to update to the latest version directly. Most of the users are just strange new apps. The extra code scanning function, but after using it, it shows that it is good and convenient to use, but it can only bind a limited number of bank cards for the time being.

In terms of big news, Hongyi’s press conference is neither a new game nor Fang Xi’s personal release. For many people, it’s just a small piece of news and just skipped it and didn’t care about it. Until a few years later, the bank’s responsible personnel regretted not having it. Paying attention to the news of this day, the department that allowed Hongyi to gradually grow into a new predator, making the bank completely lose the market in the future fast payment.

Watching the new head of the financial department at the press conference easily molested the reporters of various game media, Fang Xi smiled and asked Gu Qin next to him:

"Where did the talents come from?"

Angrily glanced at Fang Xi, Gu Qin was really tired in the past two months, not only had to find all kinds of suitable financial bosses, but also had to deal with the municipal government and the bank, which can be said to be exhausted. The appearance seems to be a lot of vicissitudes directly.

"You gave me 800 million US dollars before I found a team of twenty-four people. Even then, this person can stand out from the team and become the person in charge. What do you say? If it wasn't your share of the future The plan, it is estimated that no amount of money can be invited to such a big man, but before that he was known as the youngest bank president in Canada."

Fang Xi nodded: "Sister Gu, thank you for your hard work. This is a very important step for Hongyi. The next period of rest? You can count on your paid vacation for two months."

Gu Qin shook his head:

"I don't want to come back in two months and find that the entire financial sector has no place for me. The new financial team is much better than you think. Each one is like a hungry wolf. If I don't do anything for two months, I You can resign."

"Xiaoxi, do you know that I originally retired from the municipal banking system to help your dad. I thought I entered the retirement life ahead of schedule, but now I realize that you can bring too many changes. Aunt Gu, I am also very I look forward to the day when you can completely change the world. Before that, I don't want to be left behind."

Hearing the determination in Gu Qin's words, Fang Xi nodded, scanning the QR code to complete the payment layout, and then Hongyi's constraints were reduced by one more, and the next plan could be more arbitrary!