Wang Bang can always think of unprecedented ways to run a banking business, for example, consumer credit for poor students, and he is never afraid that students will not be able to repay the loans, because he thought of a project called "labor compensation loans".

If a student wants to borrow $10,000 to buy something, he can mortgage the loan over 5 years, with an average monthly repayment of less than $200. Students can go to work in a factory designated by Unicorn Bank on weekends in exchange for an entry-level income ranging from 50 to 100 yuan, and they will earn 100 to 200 yuan a month, so they can easily repay the loan.

With this kind of labor compensation, every student has the opportunity to buy the electronic device of his choice, and it is the most expensive in the world, such as a mobile phone of 7,000 yuan or a computer of 10,000 yuan.

These cheap interns can well supplement the labor force of Boss Wang's manufacturing factory, and they come and go as soon as they are called, which is more cost-effective than the so-called "labor dispatch" that is currently used in the talent market.

Finally, when it comes to real P2P. The most suitable P2P finance in the world is the Ali system, because it is the bull's ear of China's e-commerce, and there are the best large numbers to discover stores that can be loaned. But...... There is also a kind of person who can obtain this kind of number. That's the operator.

The whole body is a treasure of TBB is also considered half of the operator, because it has the most complete city WIFI network in the country, and the operator can hijack the web page, if the other party uses plaintext transmission. Websites like Taobao, which are relatively technically good, have implemented encryption for web pages, while JD.com, as the second oldest, has not done enough.

In addition, there are also large and small websites that specialize in website statistics, which can be called by guòJS to monitor websites and traffic, which also gives operators an opportunity to take advantage of. The statistics of some advertising channels also use similar technology, so as a half-operator, Wang Fang can monitor enough e-commerce and advertising numbers, and can also collect more store operations through professional search tools.

That's the benefit of holding TBB in hand. The president of TBB didn't know why Wang Fang needed to upgrade many nodes to collect numbers more efficiently, but since he was the boss, he could do whatever he wanted, as long as it didn't affect the boss's interests.

In this way, the corporate lending department can find stores with particularly high conversion rates and reach out to them to see if they need a business loan, just like Ant Financial.

Once Amway's target really needs it, the lending department will further ask the merchant for the information of their customers, and look for "partners" who have borrowed together from customers who have purchased their products, and P2P is reflected here, because Wang Fang feels that only users who have access to the end product can perceive the quality of the product, and then check the business.

Operators have limited imagination, and some departments will only secretly hijack traffic to earn some advertising fees, guard the gold mine and will not develop, and add blockages to users.

TBB shines, and Airwave Technology and Escapement Technology will not be idle, because they can also discover the number of products from the parcel business of wind turbines, smart delivery vehicles and drones, and expand the collection capacity to offline stores.

Now WeChat, Alipay, and UnionPay are all playing hot for offline payment, and since Unicorn Bank is an ambitious financial institution, it can't help but think about it.

When some IT commentators talk about contactless payment between QR code payment and ApplePay (in cooperation with UnionPay), they think that ApplePay is more convenient, because scanning the code requires opening the app and clicking on the menu, while ApplePay only needs to take out the mobile phone.

Apparently these reviewers don't understand that this little bit of difference is negligible, because you're standing in line at the supermarket long enough. The queue is the pain point of payment. Therefore, the focus of the payment process conceived by Wang Zhan is to break through the trouble of queuing.

He invented an automatic code scanner with a high accuracy rate, which can automatically code and scan without human intervention. Because there are some barcodes on the packaging are irregular, there will be fish that slip through the net, and they will go through it when they are put into storage, but if they can't automatically scan the code successfully, they will manually use a special cardboard white background black barcode to strengthen the goods, and this special barcode has the authority of Overflow for the original goods, so as to ensure that all goods can be automatically checked out through a closed channel.

Automatic coding is for bulk goods, using a piece of cardboard that can be scanned on both sides to replace the sticker that will deform and affect recognition. Because this cost is relatively high, supermarkets can recycle, collect 100 pieces can be exchanged for 1 yuan, and budget-conscious customers will naturally be reluctant to throw them away.

In order to reuse, the original sticky method of sticking stickers can not be used, imitating the principle of thorny fruits, the head of the cardboard piece with small thorns and a high smooth surface, when flying out of the automatic coding machine at high speed, it can stick to the smooth surface or poke into the surface of soft goods. Or you can tie it with a paper tape, and this process is handled by the supermarket staff, so it is more flexible.

According to the preliminary statistics of Wang Fang's team, such a high-speed self-checkout channel is 3 times faster than manual checkout.

That is to say, if you send one cashier to watch, the labor cost will be 3 times cheaper, and one cashier will look at two, the efficiency will be 6 times. Since this is so powerful, then unicorn banks can take the opportunity to put their "digital cash" products in supermarkets. Put a vending machine next to the automatic checkout machine qì to sell digital cash cards, which can be purchased from 100 to 10,000 yuan, and can be purchased using mobile phone payment, and through Guò WeChat and Alipay to copy their back road.

No one is optimistic that ApplePay, a foreign monk, will be able to compete with Alipay and WeChat in the Chinese market, but the product of Unicorn Bank is eye-catching, as if seeing a peerless master who has just emerged.

Any company with a discerning eye to see its competitors invent something that can improve cash register efficiency by 3 to 6 times should be intrigued.

This machine itself can also be paid through Guò WeChat and Alipay, but now there is no hurry, Wang Fang will make people keep an eye on the actions of the two competitors, if they want to copy similar products, he immediately opens the general payment function, so that their investment is wasted, and they will lose the digital cash business at most, and the number of jù is still in hand.

If you wait for the cottage self-checkout machine to come out, I'm afraid that the next generation of Wang Fry's products has come out, it will come with its own inventory function, and now there are many so-called professional counterfeiters, it is said that you can rummage around on the shelves to find expired products, most supermarkets because there are too many goods, can not count the goods on time, and the goods are expired, therefore, the equipment that can automatically identify the production date and shelf life will be of great benefit to the prevention of "anti-counterfeiters" for merchants.

There are also some illegal counterfeiters who are even more powerful, they will smuggle expired goods into the mall, and then sprinkle and beat up to ask for compensation, so, Wang Fang is equipped with a local high-definition photo of all goods for the next generation of automatic inventory function, and the place where the date is always marked is that all the goods are different, just like human fingerprints, so that there are high-tech means to prevent blackmail.

Even Wang Fang has even thought about how to develop the third-generation product, which is a customized fully transparent glass display cabinet, with a groove in the middle, which can pass through an electric trolley, carrying automatic inventory equipment, which can take inventory of goods at any time, and intelligently notify the shelf organizer to the designated location to deal with the messed goods.

At this time, consumers can also enjoy the benefits, in the huge supermarket, as long as you download the supermarket alliance APP, you can find the location map of the goods you want by searching.

The fourth generation of products has wood? Yes! This generation is a little further away and can eliminate the shopping carts, which are often the way to traffic in crowded supermarkets. This problem can be solved with a deeply customized conveyor belt, each shelf is parked with a smart car, put the goods on the trolley, and then use the app to align the barcode to shoot, the product will be automatically checked out and transmitted to the packaging area, and when the customer finishes shopping, it is OK to pick up the box designated by the app.

With supermarkets, customers can even shop at home on the Guò website, and all supermarkets have become local e-commerce.

Unicorn Bank's world's first, mobile ATM car, which can carry millions of cash around the city, serves the bank's customers 24 hours a day, but it needs to be booked more than an hour in advance, and the 24-hour appointment is completely free. ATM cars are good for arranging efficient routes. Moreover, it is also not possible to call an ATM anywhere, after all, it is risky, and a large amount of cash is stored inside.

Basically, ATMs can stop at similar places as bus stops, and this kind of control is very easy for TBB, which is based on electronic bus stop signs.

Originally, a new bank was very annoying because there were too few business outlets, but now it's good, as long as you make an appointment 24 hours in advance, you can even have a better user experience than the first bank in the universe, which greatly improves the enthusiasm of users to choose unicorns.

In fact, there is nothing difficult to achieve this, and the cash trucks are not running around the world? Now it's safer to withdraw money in the middle of the night, after all, there must be a security guard with a gun in the ATM car to check for you.

Assuming that there are 100,000 customers in a city with unicorns, and each customer deposits and withdraws once a month, it only needs to provide 3333.3 services/day, and each service travels about 1 km, then 10 cars can get it, and 333 kilometers per day is not a high load for a car.

In the same way, each customer can have their own 10 minutes to open an account, and a mobile banking counter can handle 300 customers a day, which is conducive to the bank covering the whole of China in a short period of time.

What's more, users who live in small counties one day a week can also enjoy the services of Unicorn Bank, open an account or deposit and withdraw money for free. It is not difficult for outlets to cover all the thousands of counties in the country.

If the development goes smoothly, Unicorn Bank will be the first private bank to extend its business tentacles to all counties, even more than some of the five major banks.

Some counties are small in size and do not have decent bus stops, these cars that run the county may need to talk to the customer on the phone and run to his door, when have you ever seen the bank's uncle willing to run to your door to serve? Unicorns are just different.