The world's richest man started by developing gutter oil

Chapter 169 165: 100 billion valuation

"Mr. Han, you are really young and promising." Sun Guizhou smiled and extended his hand to greet him.

"Mr. Sun, thank you very much." Han Chen shook hands with the other party and said with a smile.

"We have all heard of Mr. Han's glorious deeds. Even being selected as one of the top ten outstanding young people is not too much." Wu Daguo also stretched out his hand and said with a smile.

"I'm just a small businessman. How can I be among the top ten outstanding young people?" Han Chen shook hands with the other party and said modestly.

Not to mention that this top ten outstanding young people are really possible, because Han Chen developed the stacked membrane and biofuels, which are advanced technologies that break the international monopoly. In addition, Han Chen also donated a snake head, which can be obtained if it is operated There is no problem with being one of the top ten outstanding young people. Of course, it depends on whether Han Chen is willing to operate.

But Han Chen didn't attach much importance to this kind of thing.

But one thing is certain, Han Chen will not be able to escape the list of the top ten outstanding entrepreneurs in Shenzhen next year.

Even if Han Chen doesn't want Brother Yi, he will force this title on him.

"Mr. Han, why don't we start directly." Wu Daguo said with a smile.

"No problem." Han Chen nodded.

Then Han Chen took out his notebook and connected it to the projector with the coordination of the staff, and the PPT immediately appeared on the screen.

“I believe everyone here knows that with the rapid development of the Internet, many Internet companies have cooperated with banks and used online banking payments for consumption. In my opinion, digital payment will definitely become mainstream, especially the emerging field of mobile payment.

With the development of technology, the price of smartphones will become cheaper and cheaper. According to my personal estimation, smartphones will become a necessity for people, which means that in the future, everyone will have a smartphone.

It is precisely because of this that I say that mobile payment will be the mainstream payment method in the future.

You can imagine that with the development of mobile payment, everyone no longer needs to carry any cash when going out. All payments can be completed with a mobile phone. Whether it is shopping, eating, or taking a bus, you can use your mobile phone to pay.

We no longer need to carry a lot of cash when we go out, nor do we need to carry a lot of change for replacement, nor do we need to worry about receiving counterfeit banknotes when making payments. Even thieves have to consider changing careers because they cannot steal money.

I dare say that no one in this world can refuse such a convenient payment method. "Han Chen said with a slight smile.

Everyone present nodded when they heard Han Chen's explanation. If the future is like what Han Chen said, no one can refuse this method of payment.

So will it develop to the point Han Chen mentioned in the future?
Everyone present knew that this was absolutely certain.

At the same time, Han Chen switched the PPT to the next page.

“But the existing online banking payment system only allows customers to make digital payments on their computers.

Although users can pay on the computer, the entire payment process is still too cumbersome because there is no safe payment method, which makes the existing online banking payment system so cumbersome.

In order to cater to the times and provide users with more convenient and secure payment methods, Deep Blue Payment has developed a set of the world's most secure payment systems. This system is developed based on the most advanced blockchain technology.

Blockchain has the characteristics of being non-tamperable, leaving traces throughout the process, being traceable, collectively maintained, and open and transparent.

In other words, after funds enter our platform, these funds are tracked throughout the process, and the flow of every penny can be queried. If real-name authentication is performed on users, with the support of blockchain technology, we can ensure that user funds 100% safe.

After ensuring the safety of user funds, the next step is how to optimize customer payment methods.

Users of the existing payment methods must operate on the computer and connect the USB shield to the computer to complete the payment. This payment method is too troublesome in my opinion. I think the most convenient payment method is to enter a password. The user only needs to enter It is most convenient to complete the payment with a password.

Do you think being able to pay by just entering a password is too trivial and unsafe? "Han Chen looked at Wu Daguo and asked.

"Indeed." Wu Daguo nodded.

"When we use a bank card or credit card, we can only pay by entering a password. Why does Mr. Wu feel that entering a password to pay is unsafe?" Han Chen asked with a smile.

"The bank card is in my hand, and I am the only one who knows the password. It is definitely safer than you simply paying with the password." Wu Daguo's deputy Lu Weijun said.

"I have the phone in my own hands, and only I know the password. Is there any difference between the two?" Han Chen asked with a smile.

Lu Weijun and Wu Daguo also fell into deep thought after hearing Han Chen's words. In this way, there was not much difference in the payment methods between the two.

"Also, a bank card is just a small card that is easy to lose, but a mobile phone is already a necessity in our lives. I believe that if you lose your bank card, your mobile phone will not be lost. Besides, if the bank card is lost, the thief only needs to know Your password will swipe your money.

But if your phone is lost, a thief needs to know your phone password before he can access your phone and open the software to make payments. This means that your phone has an extra layer of protection than your bank card. "Han Chen said.

Everyone present nodded again when they heard Han Chen's explanation, because Han Chen's statement was indeed correct, and the mobile phone did have an extra password than the bank card.

"Of course, I'm not saying that customers should give up the USB shield completely. After all, the funds reserved in everyone's bank cards are different. For example, I have more than [-] million funds in my personal bank card. If I just rely on the password, I can If I transfer my [-] million, this method will be too unsafe for customers.

In order to take into account the issue of large expenditures, we have added a security measure to the platform, and this security measure is facial recognition. "Han Chen said, switching the PPT to the face recognition page.

Everyone present was also very surprised when they heard about the facial recognition technology.

They never expected that Han Chen would use his ultimate move.

"Shenlan Group holds the most advanced face recognition technology in the world. This face recognition technology can achieve a recognition rate of 99.9%. Even for twins, our recognition rate can reach 99.7%. Even twins cannot pass. His face comes to take away the money of fellow citizens.

Our face recognition technology uses a dynamic 3D face recognition solution." Han Chen Balabala began to introduce the face recognition technology.

"Mr. Han, do you mean that only one camera is needed to realize face recognition on any device?" Sun Guizhou said in surprise.

"Yes, Mr. Sun, we have already applied this technology to reality. Our company's access control system uses face recognition technology. There are also many companies in Shenzhen City that have purchased this access control system from us. In addition, We also launched facial recognition electronic locks for home use.

If you want to replace your home door lock with a facial recognition electronic lock, you can go to Goudong Mall to buy our product. We have also reached an agreement with Walmart for this product. Walmart will become our sole agent in Europe. One month later, we will electronically The lock will be logged on to all Walmarts in Europe. " Han Chen replied.

"I have only seen face recognition technology in movies. I didn't expect you to have applied it in reality. Your company's technological strength is really strong." Sun Guizhou praised. "After the introduction just now, I think everyone will no longer worry about the security of mobile payment." Han Chen asked with a smile.

"Mr. Han, has your payment platform technology been implemented?" Wu Daguo asked.

"Our payment platform has been developed. If you are using a smartphone, I can install this program for you and show you our payment process. If you are not using a smartphone, I will I also brought a few mobile phones over to demonstrate to everyone," Han Chen said.

"Mr. Han, please give us a live demonstration." Wu Daguo said.

Because current mobile phones cannot implement screen mirroring, Han Chen could only give the mobile phones to everyone at the scene and teach them how to use mobile payment. After a demonstration, everyone at the scene was talking about it.

“This payment method is also so convenient. You only need a QR code to receive and make payments, and you don’t even need a mobile phone.”

“If all payments are made using mobile phones in the future, cash will probably become obsolete.”

"This payment method is really convenient, but smartphones are too expensive now, and not many people can afford them."

"Computers were also very expensive in the past. Do you think computers are still expensive now? With the advancement of technology, things must be getting cheaper."

"Mr. Han, your payment platform must have an Internet connection, right?" Wu Daguo asked curiously.

"Mr. Wu, our payment platform can be used even without the Internet." Han Chen replied.

"Isn't it messy to use it without the Internet?" Wu Daguo said with a frown.

"This is also due to the technology of blockchain. When the payer and the payer do not have the Internet, they first complete the accounting. After one or both parties have the Internet, they can then connect to the backend server for verification and deduction." Han Chen replied.

"So that's it." Wu Daguo nodded.

"It would be more convenient to be able to pay without the Internet. In some places, the mobile phone network is very poor. If you need to have an Internet connection to use it, you can't use it just by taking a mobile phone out." Sun Guizhou said.

"I wonder how Mr. Han hopes that our PBC will cooperate with you?" Wu Daguo asked again.

"We have already thought about how to operate the payment platform. I hope the People's Bank of China can open the convenient payment function for us. For the safety of all users' funds, we can invest all funds in the supervision account, and the People's Bank of China can also control these funds. carry out supervision.

With the endorsement of the bank, I believe that users will no longer worry about the security of their funds. We can operate in the form of internal sub-account debit. As long as the user does not withdraw the funds, we only need to perform internal sub-account debit.

If the user needs to use these funds elsewhere and the other party does not support the Deep Blue payment platform, the user can withdraw it from our platform.

We will use T+0 and T+1 modes to withdraw funds from the platform.

If the customer wants to withdraw all the funds immediately, then we will charge a certain handling fee, and the money will be transferred out as soon as possible. If the customer does not want to pay the handling fee, then he can choose the T+1 method. Withdrawal. "Han Chen explained.

"Lu Weijun, you and Xiao Li and the others go out first." Wu Daguo looked at his deputy and said.

Everything they can hear has been heard, and the next content is not something they can hear, because what is going to be discussed next is the core content, which is not something they can know at their level.

After hearing Wu Daguo's words, Lu Weijun left very wisely.

Several of Sun Guizhou's subordinates also guessed what was going to happen next, and they left the meeting room very wisely.

"Mr. Han, according to your estimate, how much money will be deposited on the platform in the future?" Wu Daguo asked after seeing several people leaving.

"This depends on how many merchants we cooperate with. We have already negotiated with Goudong Mall. Shenlan Group is the largest shareholder of Goudong Mall. According to my estimates, the funds accumulated in the future will exceed 300 billion." Han Chen said.

The two people's eyes widened when they heard Han Chen's words. If there were 300 billion funds deposited in it, they would get at least 10 billion in interest a year.

In other words, the platform can earn 10 billion yuan in one year without doing anything. No wonder Han Chen wants to find them to invest in the platform.

"In addition to payment, does the platform also engage in other businesses?" Sun Guizhou asked.

"Insurance, securities, funds, financial products, people's livelihood payments, such as water and electricity bills, phone bills, and even hospital registration fees, as long as we develop corresponding functions, the payment platform can engage in a lot of businesses." Han Chen said.

"Hiss~" Sun Guizhou took a breath of cold air.

If such a platform is allowed to develop, it will definitely become a giant in the financial world. Tens of billions of profits a year will not be a problem.

"I wonder how many shares Mr. Han plans to give up?" Wu Daguo asked with a turn of his eyes.

For him, this project was a great achievement that came to his doorstep. Even Sun Guizhou had the same idea as him.

"I plan to give up 55% of the shares, but these 55% of the shares only have 30% of the voting rights. It's not that I, Han Chenyelang, am arrogant. Whether it is the People's Bank of China or the State Development and Investment Corporation, you are not capable of operating this platform well, but there is one thing I can It is guaranteed that after the platform is established, there will be no external financing," Han Chen said.

Wu Daguo and Sun Guizhou looked at each other and nodded. Han Chen's project can definitely be done.

"I wonder how Mr. Han plans to transfer this 50% share?" Sun Guizhou asked.

"My valuation of the Deep Blue Payment Platform is 100 billion. I plan to transfer it through financing. All the 55 billion will be invested in the operation of the platform. You can send a team to supervise the company's accounting. As for the 55% of the shares, what will happen? The two of you can negotiate on your own, and I suggest that it is most appropriate for each of you to hold 27.5%," Han Chen said.

Wu Daguo and Sun Guizhou looked at each other again and nodded.

"Mr. Han, your plan has been approved by me, but I still have to report it to the boss," Sun Guizhou said.

"Mr. Han, your plan has been approved by me. I have to report it to the superiors. This plan can only be implemented after the superiors make a decision." Wu Daguo said.

"Mr. Wu, I hope it can be implemented before January, otherwise it will affect the operation of Deep Blue Payment. We have reached cooperation with CCTV." Han Chen told the other party the promotion plan of giving out red envelopes during the New Year.

Qiu Xiuhua negotiated the cooperation with CCTV. Because Uncle Yin Ruoyue was involved, the broadcast and red envelopes were finalized in three days.

(End of this chapter)