"So our software company definitely can't go down this old path, and our software company's profit point can't be based on software sales, we charge a small part of the software usage fee, and this part of the cost may not even be enough for our research and development expenses. Zhao Li, if our software company really operates like this, where do you think we can still make money?" Fang Yi looked at Zhao Li and asked.

"Only a little bit of software usage fee, no service fee?" Zhao Li confirmed again

Fang Yi shook his head, "The software usage fee is a one-time fee, and no fees other than separate issuance will be charged in the future."

Zhao Li was a little messy when he heard this, grabbed his hair with both hands and said, "Mr. Fang, you have denied the profit model of our software industry, I can't think of where we can make money."

Fang Yi smiled and said a word: "membership card"

"Membership cards, how can our membership cards make money for software companies?"

Fang Yi Zhengse said, "I just assigned you the task of developing a membership card system, and it's also because I didn't explain to you the purpose of my doing this, I asked you to develop two sets of membership card systems that can be applied to each other and can also be independent of each other, right?"

Zhao Li nodded in confirmation, and Fang Yi continued, "Do you know why you want to run two sets of membership card systems?"

Zhao Li shook his head and said, "I don't know, in my opinion, running two sets of membership card systems is an act of adding to the snake."

Fang Yi waved his hand and said, "No, no, no, in fact, my ultimate goal is just to run a set of membership card system, the reason why I do two sets is to reduce customer resistance to a set of systems at the beginning of the promotion, and when customers find the benefits of our membership card system, they will naturally give up the system developed separately."

Zhao Li listened for a long time and didn't combine the membership card system with profit, and asked again, "Then how can the membership card be profitable?"

"Of course, the money stored in the membership card makes us profitable, and if we want to use our system at the minimum cost, while paying a small amount of software usage fees, customers need to sign an agreement with us, that is, the agreement to use our Century Pass membership card, all their stores accept our membership card for consumption, and at the same time, members can also settle through the membership card, so that the funds can flow in our membership card system, Zhao Li, do you think there will be money in the middle?"

Zhao Li looked at Fang Yi with a surprised face, stood up excitedly and said, "Mr. Fang, you mean that our members deposit cash into the membership card, so that consumers and customers, customers and customers use membership cards to settle, then what we receive is real money, and the circulation between membership cards is only the system number."

Fang Yi felt that Zhao Li had initially understood the consumption theory of his own set of membership cards, in fact, this was also an operating mode of Alipay in the previous life, Alipay is a combination of Taobao and Taobao, so that consumers accepted digital consumption, and now Fang Yi has not Taobao, and he does not want to give up this preconceived advantage, so he has to retreat to the second best thing to introduce the concept of membership cards.

Fang Yi said to Zhao Li again, "We can also charge a certain fee in each capital flow link to feed back our software system."

"Mr. Fang, didn't we rob the bank of our jobs?" Zhao Lihou said perceptively.

"I just want to rob the bank's job, have you found that our bank to do business, is completely a grandson, waiting time, poor service attitude, this is completely not in line with the law of the market economy, I want to break their iron rice bowl so that they have to change" Fang Yi said proudly, "but in the early stage, we still need to rely on the bank, although they have such and such shortcomings, but we still need to have a good relationship with them, now we need to open the gap from a bank, to do our business"

"Mr. Fang, after listening to your plan, I have a certain understanding of the company's overall strategy, I will in all software development in the future, to increase the number of membership cards and accept membership card services as the first core priority of our software company, all development work around membership card services, but the follow-up needs Mr. Fang to guide our research and development direction" Zhao Li said politely.

Fang Yi stretched out his hand and shook Zhao Li heavily, "This is my company, it is my duty to grasp the direction of business for it, Zhao Li, let us work together to create the glory of the century"

When Zhao Li came out of the office, Tang Chun came in to clean up the coffee cup they had just drunk, and he stretched out his hand to stop it and said, "Brother Chun, we haven't chatted together for a long time, and most of the time we usually talk about work when we are together, come sit down, let's talk?"

In the previous life, Fang Yi and Tang Chun were so good that they could be said to wear the same pair of pants, but because of the change of Fang Yi's little butterfly in this life, the relationship between the two was no longer as simple as before, Tang Chun was a little restrained when facing Fang Yi alone, and he carefully sat down opposite Fang Yi.

Fang Yi looked at him and said with a smile, "Brother Chun, don't be like this, we are classmates, buddies, and finally the relationship between superiors and subordinates, tell me how the school is recently, I haven't been to school for a long time, is there a problem with the teacher's name?"

Tang Chun heard Fang Yi talk about the school, and also relaxed and said, "No problem, Huang Tao has checked every teacher, and you don't know, with the development of our business, you are now a celebrity in our school, and the school teachers also promote you as a typical example of college students' independent entrepreneurship, how can anyone come to our dormitory for trouble?"

Fang Yi didn't expect this result, he obviously hasn't been in school for a long time, and he hasn't done anything for the school, how can the school pay so much attention to himself, "Is there something going on, otherwise how would the school know about me?"

Tang Chun forgot that some things in the school were handled without going through Fang Yi, and said with a little weakness, "That's the case, didn't you tell Huang Tao at the beginning of this semester to let him do a good job in the school and manage his contacts, so there are some activities in the school, and we will sponsor them in the name of the company, but the amount is less than 2,000 yuan, which may be the reason why the school's teachers pay attention to our company, and then pay attention to you."

Fang Yi saw that Tang Chun was not as restrained as he was just now, and said, It's okay, you have done a very good job in this matter, then let's talk about the work, I have something for you to do, you let Chen Zhao to register a Century Tong Technology Company, the registered capital of 10 million, if the funds are not enough to temporarily mobilize from various affiliated companies, and after the registration is completed, the basic account of this company will be opened in our best relationship with the CCB, before opening the account, if it is possible to help me ask their leaders to have a meal together, it is best to be the branch president; BOC has opened our settlement account"

Tang Chun recorded what Yi had just said in his small notebook and asked, "Mr. Fang, what are we doing with opening settlement accounts in so many banks?

Fang Yi repeated to Tang Chun what he had just said to Zhao Li about the membership card, Tang Chun spent 5 minutes thinking and then said, "Mr. Fang, your idea is very good, but is our vote too big, I'm afraid it will attract the attention of many regulators."

Fang Yi thought for a while and said, "In the early stage of promotion, we tried to avoid direct friction with the bank, and after a certain scale, we should take the initiative to contact the regulators and take the initiative to let them supervise us" In fact, Fang Yi also has an idea that can avoid all problems, that is, to set up his own bank, but Fang Yi didn't dare to say this at all, if he really said it, someone might send him directly to a mental hospital. Although it is not yet possible to set up a bank, with the opening up of the state policy, joint-stock banks will spring up like mushrooms after a rain, and when the time comes, they will take control of a joint-stock bank and borrow a backdoor like the stock market to achieve the goal of controlling the bank.

Tang Chun said, "Okay, I'll connect with Chen Zhao this afternoon, and I'll contact CCB as soon as the company is registered."

Fang Yi nodded, Fang Yi was still very relieved about the old brothers in his dormitory, and suddenly his heart moved, and he asked casually, "How is that Zhang Chen in our class?"

Tang Chun was stunned for a moment, why did he suddenly ask about Zhang Chenlai, and asked with some uncertainty, "The Zhang Chen in our class you are talking about?"

Fang Yi didn't say, looking at Tang Chun and nodded, Tang Chun thought for a while and said, "Mr. Fang, you also know that I don't communicate with women very smoothly, and Zhang Chen doesn't talk very much in our class, so I really don't know her situation."

Zhang Chen is the wife of Fang Yi in the previous life, in the first semester of his freshman and sophomore year, Fang Yi and Zhang Chen did not have any intersection, until the second semester of the sophomore year, Fang Yi communicated with Zhang Chen through the group secretary in the class. Shy girl, the family situation is not very good, her parents are laid-off workers in the factory, although she is a CD person, but their living status is the lowest level of CD, she has the pride of being an urban girl, but also has the humility of her family situation, until she was with Fang Yi, her family has changed slightly, two years after graduating from college, they got married, and after marriage, they gave birth to a son named Jiehao.

Fang Yi stopped his recollections, and said in a somewhat sentimental tone, "Brother Chun, can we be busy with the daily financial work of the century?"

Tang Chun didn't know why Fang Yi asked like this, "It's okay, I'm really busy, the buddies in the dormitory will help, everyone is studying finance, and nothing will be left behind."

Fang Yi stretched out his hand to stop Tang Chun's words and said, "You find someone to ask Zhang Chen if she wants to work part-time in our company, if she wants, she will give her some relatively mature company business, and the salary is tentatively set at 800 yuan per month."

Tang Chun didn't know what happened to Fang Yi today, why he suddenly mentioned Zhang Chen, why he wanted to recruit her into the company, and why he set a salary that was much higher than others, but he still nodded and prepared to quit. At the moment when Tang Chun was about to close the door, Fang Yi said, "Keep her salary secret and announce 400 yuan to the public."