I'm working on infrastructure in Xihuan

Miss Noble is also Lucien's old tool person, and she is very proficient in singing and singing with this one.All the questions she asked had reviewed the script with Lucien in advance. If they really regarded the bank as a currency savings and trading institution, they would definitely have noticed these questions she raised.

——Account opening and transaction process, information disclosure, internal security measures, savings limit and withdrawal limit, etc.

The guests at the meeting saw Miss Noble and Lucien's fluent questions and answers, and they knew that Miss Noble was probably Lucien's trustee.But Ms. Noble doesn't just ask general questions, she also uses hypothetical specific examples to ask Lucien to answer the solution. This kind of example method is more substituting than asking questions based on the script, even if you don't plan to mix with the bank. The guests of the matter are also attracted by specific examples to enter themselves, and think about what they should do in this situation.

Furthermore, when listening to Lucien's answers to questions, he was more serious than listening to answers to ordinary questions.

"For example," Miss Noble gently shook her fan and asked unhurriedly, "Suppose I opened an account in your bank with only [-] gold coins in it. At the same time, another person in Muenna also took out [-] gold coins from my account. Unfortunately, I am not in Velvet at this time, so it is difficult to confirm the situation with me in time. At this time, your How will the bank handle it?"

With the inefficient exchange of information in this era, the situation Miss Noble mentioned is very likely to happen.Or the owner of the account carelessly forgets the balance and asks people to withdraw money from multiple places, or someone joins up to do this deliberately, so that double the money can be withdrawn empty-handed after a time difference.

At that time, will the bank bear the loss by itself, or will Miss Noble, the account owner, bear it?

The heads of some large chambers of commerce couldn't help but feel sorry for them—this kind of similar mistakes and omissions did happen when they were doing business, and many people suffered a lot of losses because of it.

After all, even a large chamber of commerce with a mature operating system like Mansui, considering factors such as operating costs and usage conditions, there is a time difference of at least half a month between the southernmost and northernmost strongholds.

In most cases in this world, there will be no business intersections between strongholds that are far apart, and the information difference of ten days and a half months will not affect their normal operations, but there have also been people who have used such information differences to seek profit. profit.

As Miss Noble said, one person picks up the goods at one place with the proof of pick-up after payment, and the other picks up the goods at another place far away with the same pick-up proof, because of the slow communication of information and business. There are not many, and the strongholds rarely communicate with each other's money and goods in detail. Most of them only calculate the general ledger once a year or so, and it is often delayed for a long time before discovering the tricks.

By the time they realize something is wrong, the other party has already disappeared without a trace, and it is impossible to recover the loss.

"For this situation, we also have special countermeasures." Lucien said and glanced at Pirlo who was sitting under Doton, and the other party immediately took over the conversation knowingly.

The reason why Man Sui was used as an example in this matter is precisely because Lucien successfully poached Pirlo, their head in the northern province, from Man Sui to serve as the bank president.This smart and agile businessman is also an old friend of Lucien, and his business dealings with Mansui are basically transferred through Pirlo, so you can also understand that Lucien's eye on this seems to be very useful The tool man (bu) is no longer a day or two.

However, Pirlo is not like Doton, who eats enough for one person and the whole family is not hungry. He said that he can leave by hopping and patting his butt. Pirlo manages a huge grain business, and it is still a business handed down from his grandfather. The bait here is really hard to refuse, and Lucien has expressed enough sincerity and trust that Pirlo will never consider retiring early and changing to a new job.

Of course, another reason why Lucien succeeded in poaching Pirlo is that the couple is loving but only has a young only daughter. The business of a business is different from the noble title that allows only daughters to inherit, which means that no matter how good Pirlo is doing now No matter how big it is, in the future, it will either recruit a door-to-door son-in-law to inherit the business like the Norber family, or the hard-working foundation will make it easier for distant relatives.

Pirlo didn't think his daughter could handle a man like Miss Noble, and his relatives couldn't be completely relieved after seeing it, so they simply jumped to Lucien's side to take advantage of it and give up the position to a reliable man. The relatives will keep some business share, and they will not participate in the operation, but will just eat and share dividends every year.

Before switching jobs, Pirlo had observed that the education popularization on Velvet's side was quite good. His daughter had a bit of mage talent, and there were a few good talents in Velvet's mage guild—he saw that the one who had developed a new Master Xiu Seqi of Fertilizer is very good, he is very good at theory and practice, and has a good relationship with Doton. He can completely get through the relationship and arrange a good teacher for his daughter who is usually difficult to get in touch with.

Well, as long as he doesn't take his daughter to research new fertilizers.

Thinking about his daughter's mage enlightenment education in his heart did not affect Pirlo's opportunity to answer Miss Noble's question, and enthusiastically sold a wave of Amway to everyone present.

"We entrusted the Velveerd Mage Guild—we sincerely thank all mages for their hard work and dedication—to improve the existing magic communication tools. Although the effective range is not too far, a base station needs to be built in advance to enhance energy resonance. But as far as the effect is concerned, it is completely possible to realize the bank's information sharing in Wilwede County, and the time difference is not more than ten seconds."

Before he could finish his words, discussions erupted in the venue. As businessmen whose information speed is equal to the lifeblood of their business, and nobles who constantly need to update information in order to control the situation in the struggle for power, they are very clear about the value of this technology. This is even more important than the emergence of new types of fertilizers, and it can be called an epoch-making technology—even a technology that changes the way of communication in this era.

Pirlo waited for a while to discuss in the meeting place, and then continued: "The Velvet County Government is the first batch to try out this technology. After many times of debugging, it is fully capable of wider use. Next we This technology will be applied to the banking system to prevent the situation you are talking about."

"Our withdrawal vouchers all have different numbers, and once a number is used, it will become invalid, so unless it is really a coincidence that our staff operates the withdrawal business at the same time during these ten seconds, otherwise when one party withdraws the money within ten seconds After that, your account information in all banks will be updated, and if the other party also holds the same numbered certificate or your account balance is insufficient, you will not be able to withdraw money.”

"And even if it is really a coincidence to withdraw at the same time, our withdrawal process will also stipulate that after the operation of the business, we need to wait for about 30 seconds for two account update confirmations, and the money will be handed over after the two confirmations are correct. If If any of the account information is incorrect, the withdrawal application will be returned, and your account and the balance in the account will be blocked, and cannot be restored until you personally confirm it.”

As soon as he said this, someone immediately asked: "Then what if both of me really need money urgently?"

Pirlo replied with a smile: "You can save enough money in the bank."

The bank account will only be blocked in three cases: the withdrawal certificate with the same number has applied for more than one withdrawal, the bank account balance is insufficient and someone still applies for withdrawal, and the account owner himself applies for blocking the account to prevent money from being transferred.

The last condition, Pirlo, is going to use it on himself at that time. Before he dies, he will store all the money in the bank and then block the account. This will prevent others from snatching the inheritance left to his daughter and save the money more safely. Leave it to your own children.

"Ahem," Lucien coughed lightly, and said, "I know that the bank project has just started, and you will inevitably have doubts, and it is impossible to deposit too much money. What's more, what you do is far away from the mainland. It’s impossible to put all the money in Velvet for a big business on one side—our remote and remote place, if you really give too much, I’m afraid you won’t be able to afford it.”

"However, I can also understand everyone's situation. Everyone is a big customer and old friend of Velvet. The business here is getting better and better. No matter how much money is deposited in the bank, there will inevitably be times when it is not enough... How about this, everyone who opened an account in the bank today and deposited more than one million gold coins, if in the future when Velvet has money and does not take advantage of it when doing business, the bank can advance the payment of less than 50 gold coins, and pay back within three months Just clear it."

"Of course." Lucien blinked, deliberately showing a playful and sly look, "If you haven't paid it off after three months, I will calculate the interest and seize your goods as collateral."

For those present, a million gold coins or 50 gold coins is not a particularly large number. If Lucien had to borrow even 50 gold coins, their business would basically be unnecessary. .

But this does not prevent Lucien's words from coaxing them to be happy. There is no such thing as a formal bank loan these days. Once they are short of money, the way to get money is to borrow from friends or go underground. Compared with the usury of the moneylenders, the interest-free loan of 50 gold coins drawn by Lucien is equivalent to handing them a golden olive branch, telling them not to open an account to deposit some money in and use it later, I feel a little sorry for Lucien Grace feeling.

At the end of the meeting, the banking project, which received a lukewarm response before the meeting, had successfully recruited the first batch of customers.

Pirlo looked at the estimated deposits recorded on paper, and the huge number made him shudder.He looked at Lucien who was yawning and asked Izzy to carry him back...

Dalton patted his old friend on the shoulder, "Come on, the lord will not treat you badly."

Listening to Dalton's tone, Pirlo suddenly didn't know why, and Pirlo wondered if he had boarded a pirate ship by mistake.