Of course Ye Zan is modest. Whether it is online payment or things related to bank transfer, these are all leftovers that have been played in the technology world for a long time. It is not difficult to find these things in the database of Singularity Intelligent Brain. What Ye Zan did was just to make some adjustments to Singularity Intelligent Brain for some special situations in this world.
It's not impossible for Ye Zan to come up with such a thing by himself, but it would probably make his hair turn gray. In the world of science and technology, almost everything, whether it is technological products or rules and regulations, was not thought up by one person. Maybe it was someone's whim at the beginning, but if you want to truly perfect it for practical use, a large number of talents will continue to make corrections later.
In fact, the plan that Ye Zan created can be used directly. Even if there are any problems, they are only minor problems. However, the bank is very important to Tianbao Sect. No matter how much Ye Zan ensures the perfection of this plan, Tianbao Sect will not take risks easily.
Regarding this point, Ye Zan had another idea, so he said to True Lord Duobao: "True Lord, regarding this issue of online payment, I have a solution that has the best of both worlds. I wonder if True Lord would be willing to listen to it?"
A best-of-both-worlds solution
Duobao Zhenjun has already read the plan, and actually knows that the plan is quite complete, but there are many things that you can't do without any worries just because you think there are no risks. Why do people always admire the first person to eat crabs? In the eyes of latecomers, crabs are delicious and there is no big deal in eating them. However, before the first person to eat the crab appears, even if it is recognized that the crab cannot kill people, it will be difficult for most people to take the first step.
There is a saying: "Don't be afraid of ten thousand, just be afraid of the unlikely event." For most people, no matter how safe something seems, even the one in ten thousand chance of an accident is enough to make people feel uncomfortable. Give up trying. It's not that people are timid. After all, people are individuals. If one person in ten thousand has an accident, it is one in ten thousand accidents. But for the person who has the accident, he may not be able to bear the cost of the accident.
As for Tianbao Sect, if something goes wrong in the bank, although Tianbao Sect will not go bankrupt, it will definitely be a traumatic experience. In such a highly competitive world of monasticism, others are constantly moving forward, and if you stop, you will fall behind, not to mention breaking your muscles and bones.
But risk-taking also means greater rewards, and it's not a matter of getting a taste of the crab earlier than others. In Ye Zan's plan, some prospects for online payment were also described in detail. Duobao Zhenjun was not sure whether the others were good or bad, but he was certain that they would be helpful to the development of the bank.
You must know that in this Shenhua Realm, Tianbao Sect is not the only bank that operates, and even Tianbao Sect is not the largest family. The real boss in this industry is the Fu Dao Alliance headed by Tian Fu Sect. Most of the talisman money comes from these Fu Lu Sects, so their Fu Dao Alliance's bank is like a center that can print their own bills. bank.
Of course, in reality, due to the particularities of this world, this "central bank" is definitely not as influential as the central bank in the technology world. Otherwise, the monastic sects in this world may not be able to tolerate the existence of the Fu Dao Alliance.
In addition to the Fu Dao Alliance, other sects also more or less operate banks or bank-related businesses. After all, some large sects are not worried about storing their spiritual stone talisman money in other sects' banks. At the same time, many banks are unwilling to accept deposits from large sects to avoid being unreasonable by large sects. The reason is that there is still no one who can override all sects and formulate a law that no one dares to violate.
As for Tianbaozong's bank, if it is reformed according to Ye Zan's plan and adds the function of online payment, then even if it cannot replace Fu Dao Alliance's bank as the industry leader, its status will definitely be greatly improved. When the status is improved, it also means that more deposits can be absorbed, the funds available for borrowing will also increase significantly, and the income will naturally increase.
However, in the view of True Lord Duobao, the benefits and risks coexist. It is obviously not advisable to ignore risks for the sake of benefits. But no one is willing to give up such benefits because of risks. Therefore, how could Zhenjun Duobao not be interested when he heard Ye Zan talk about a two-pronged solution
"Elder Ye really has a solution to both problems?" Zhenjun Duobao asked Ye Zan curiously with some expectation.
"This is what I plan to do. There are not many users of Qianli Chuanshen now, and the demand for online payment is naturally not very high. Therefore, I am planning to provide a sum of funds from our Yuqing Sect to make online payments. With the reserve fund, the banks in various places of your sect only need to provide some assistance and convenience to our sect in terms of account opening and transfer according to some requirements in the plan," Ye Zan said seemingly quite relaxedly.
In fact, what Ye Zan plans to do is just like the methods used by those companies that were the first to engage in online payment in the early days of the ancient Chinese Internet era.
Those companies that engage in online payment have no banking background at the beginning. Online payment is simply a matter of accounts and transfers. It can be said that this is an intermediary. The buyer hands the money to the intermediary, the intermediary transfers the money to the seller, and the seller sends the goods to the buyer. It is as simple as that.
However, anyone can be an intermediary for such a transaction, but if it is to be converted into tens of millions or even millions or billions of transactions, then not just anyone can do it. If the bank doesn't cooperate, let alone causing any trouble, even if it doesn't provide some special conveniences, it will be enough to screw up the intermediary.
For True Monarch Duobao and Tianbao Sect, what Ye Zan meant by these words was: Since you are not willing to take this risk, then I, the Yuqing Sect, can go and show you first.
This is undoubtedly very beneficial to Tianbaozong. It does not need to take too much risk, and it can also enjoy the improvement of the bank's status through online payment. It is conceivable that when this online payment becomes popular, Tianbaozong's bank will probably have many new customers opening accounts.
Moreover, Tianbao Sect does not need to worry about what will happen when Yuqing Sect becomes bigger. After all, the foundation of online payment still relies on Tianbao Sect's bank. Unless the Yuqing Sect also opens its own bank and spreads its banks across various markets, it will be inseparable from the Tianbao Sect.
As for Yu Qingzong running to cooperate with Fu Dao Alliance, this is certainly not impossible. However, at least in Duobao Zhenjun's opinion, changing partners after online payment develops will be much more difficult than changing partners from the beginning.
However, in order to eliminate all possibilities, Zhenjun Duobao thought for a moment and said: "The risk of this matter cannot be borne by the Guizong family under any circumstances. It is better to do this. In other aspects, it will be as Elder Ye said just now, but our Tianbao Sect also You can put out a batch of funds to join it. Even if there is a risk, it won’t hurt your family if we share it together.”
In fact, in Ye Zan's opinion, there is no risk in this matter. At most, if no one uses online payment, there will be no financial loss. However, Ye Zan didn't want to change partners after halfway through the development, so he didn't say anything about Zhenjun Duobao's proposal.
Soon, Ye Zan prepared a complete and detailed plan for the two companies to jointly establish an online payment business institution. In this plan, the concept and prospects of online payment are described in detail, and some things that require the cooperation of banks are also highlighted.
Duobao Zhenjun looked at the new plan and saw that it would not change much to the bank. Naturally, the bank would not have any risks. It can be said to be a two-pronged strategy. What especially makes Duobao Zhenjun excited is that this online payment will involve not only the Shenhua News platform, but also various platforms such as online live broadcasts, forums, chats, etc., and will even be connected with the Virtual God Realm.
"Okay, this is best. I will return to the sect now and gather everyone to discuss this matter. Elder Ye will just listen to the good news." True Lord Duobao put away the plan and couldn't wait to get up and say goodbye to Ye Zan.
Ye Zan couldn't help but smile and said: "Zhenjun, wait a minute. Is it just for this matter that Zhenjun came here this time?"
Hearing Ye Zan's reminder, True Lord Duobao suddenly came to his senses and said with some embarrassment: "I made Elder Ye laugh. I was originally here to get Qianli Zhenshen, but I didn't expect that Elder Ye's plan would mess up such an important thing. Everything has been forgotten.”
"True Lord, wait a moment. The new batch of Thousand Miles of Gods has been prepared by someone. I will bring them to True Lord now." Ye Zan said as he offered the jade ball, and as a ray of light shone on the ground, a A large box appeared in the light.
"Hey, Elder Ye, I'll just say one more thing. These Thousand Miles of Souls can't even meet the predetermined orders. Elder Ye still needs to think of more ways." Looking at the big boxes on the ground, Duobao was really Jun said helplessly.
"Zhenjun, it's not that I'm unwilling to share the refining method with your sect, it's actually that the refining of Thousand Miles of Voice is far from comparable to Thousand Miles of Voice. Especially among them, the most core component, I'm not the same as the real one. Junzhi, please tell me, it is made from the split essence of a monarch-level soul bead. Under the condition of ensuring that the monarch-level soul bead does not fall down in grade, I have maximized the splitting of the essence. I'm so excited." Ye Zan said without any secret.
In fact, even if Ye Zan didn't say anything, the Tianbao Sect could still study how the parts of the Thousand Miles of Legends were refined. It can even be said that if Tianbao Sect really wants to find a master of weapon refining, it may not be impossible to refine the same Thousand Miles of God. However, the refining speed is definitely not comparable to Ye Zan's, and it can only produce "bare metal" without even the most basic algorithm.
You know, in the world of technology, smart devices and smart chips are not only made of materials, but also suitable algorithms must be written for them to truly become "smart chips." Otherwise, the manufactured thing will only be regarded as a superficial product, and even if it is installed into a smart device, it will not be able to play any role at all.
Of course True Lord Duobao also knew that Ye Zan's words were true, so he could only shake his head, waved his hand to collect the boxes on the ground, and then said: "In any case, Elder Ye should think of more solutions. After all, I think more people need to use online payment, and the key is to get more people to use it.”
On this point, Duobao Zhenjun is right. No matter how convenient online payment is, it can only become more convenient if more people use it. Moreover, many application platforms on Qianli Chuanshen also require enough users to demonstrate the attractiveness of those applications. Take that chat app for example. If there were only two friends on it, who would be willing to hang out there all day long. And that forum, if you post a message there and no one replies for ten days and a half, then who would be willing to join the forum
"True Lord, don't worry. In this regard, I am more anxious than True Lord." Ye Zan said with a smile.
"Then I'll take my leave first." True Lord Duobao said.
After sending away True Lord Duobao, Ye Zan did not sit idle, but came to the jade ball space. In the Jade Ball Space, there is an area where the Thousand Miles True Spirit is manufactured. A large number of machines are constantly running, slowly producing the various components of the Thousand Miles True Spirit. However, in the center of the area, there is a machine that extracts the essence of soul beads. The speed at which the essence is extracted is far behind the production speed of those components.
Ye Zan walked through the machines and came to the machine that extracted the soul bead essence. Looking at the soul bead that took a long time to produce one essence, he could only shake his head helplessly. However, as Zhenjun Duobao said, the production problem of Thousand Miles of Legend really needs to be solved.
Although, at the beginning, the purpose of launching Thousand Miles of Legends was to suppress the momentum of the Wuzhu Sect. But after really pushing Qianli Chuanshen out and causing such a sensation in the Shenhua Realm, Ye Zan couldn't just let the heat go down. Thousand-mile teleportation and online payment can be said to be something Ye Zan has been planning for a long time. In fact, even if there is no Wuzhu Sect, it will be promoted in the Shenhua Domain sooner or later. Therefore, this ever-present production capacity problem needs to be solved.
"It seems that we have to go to Tiandao Mountain again." Looking at the constantly rotating soul beads, Ye Zan said while touching his chin.
The soul bead in front of him was obtained by Ye Zan in the Black Prison of Tiandao Mountain, but it was only a general level at first, and later evolved into a monarch level in the Netherworld Sea in the small world of Immortal Palace. However, Ye Zan can be sure that there must be a real monarch-level soul bead deep in the black prison of Tiandao Mountain.