Rebirth of the Rich Second Generation's Growth Diary

Chapter 144 Pattern
Unlike the banking business that Tang Qiaoning is responsible for, the merchants that Xia Xiaohe is involved in are actually much simpler.

This is obvious.

Although there are many businesses in the school, they are distributed in every corner of the campus, from the bustling cafeteria to the quiet teaching building.

But for these merchants, it is nothing more than adding a card swiping device.

They want to do business and make money from students, so any payment method is reasonable.

The only difficulty with what Xia Xiaohe involved was that, according to Li Xu's idea, merchants would be required to pay a deposit of 500 yuan.

This deposit can be used to cover the cost of making the card reader equipment.

Li Xu found a coffee shop located in the school. The decoration of this coffee shop was simple and warm.

Warm yellow lights softly sprinkle in every corner, creating a peaceful and comfortable atmosphere.

Here he told Xia Xiaohe in detail what she should do next.

After understanding Li Xu's thinking, Xia Xiaohe admired him but also looked at him with some strangeness in her heart.

Xia Xiaohe said, "I finally understand why people say that all businessmen are dishonest."

She looked at Li Xu with a strange look. Although she said some teasing words, her eyes were full of admiration.

However, there are still some things that Xia Xiaohe doesn't quite understand.

She did not study management, unlike some of her classmates in the School of Management who had seen many business cases.

Unlike Tang Qiaoning, she has been exposed to many business cases since childhood.

So she paused for a moment and then asked, "I have a question. Please don't laugh at me when I ask it."

Li Xu nodded.

Xia Xiaohe gently stroked the exquisite coffee cup in front of her with both hands, on which the warmth of the coffee still remained.

To be honest, when she was in the countryside, she had no chance to drink such exquisite coffee and enjoy such a pleasant environment.

She looked up and asked, "Well, how are we going to make money after we develop this card?"

After saying this, Xia Xiaohe's face turned red. She was afraid that Li Xu would misunderstand her as a money-grubber, so she quickly explained, "I, I don't particularly want to make money. I'm just a little weird and don't really understand..."

Li Xu blinked and seemed to understand a little.

Why is it difficult for people with different cognitive levels to communicate?

The fundamental reason is that everyone's common sense range is different.

In a sense, improving cognition is actually about expanding the boundaries of one's common sense.

For a college student, some things are common sense, but for a high school student, it is not.

So sometimes high school students can’t understand what college students say.

For Xia Xiaohe, who had just entered university, how to make a profit from this project was something she had never encountered before and was beyond her common sense.

However, this is only because Xia Xiaohe has just entered university, so Li Xu is not worried about Xia Xiaohe's ability, but he should explain it to her now.

Li Xu picked up the coffee and took a sip. The aroma of the coffee spread in his mouth.

Then he put down the cup and said patiently and gently, "This is also my fault. I forgot to explain it to you in detail."

"That's right. This project won't be profitable in the early stages. The most stable way to make money is by delivering the solution."

"After the successful pilot program at Peking University and Tsinghua University, we offered the solution to other schools. This is the most direct and fastest way to generate cash and profit."

"And the market prospects are very broad. After all, there are so many universities in China. If we can take over all of them, it will be a huge market. With the endorsement of Peking University and Tsinghua University, this is the most profitable way to make money."

This profit-making method is similar to the main business of Li Xu’s father’s company.

"In addition to this profit-making method, as a student group, we can also use the service fees collected from merchants."

“Although the handling fee is not high, it can generate a very stable cash flow.”

Moreover, according to Li Xu's memory, the campus card had not been replaced even in the year before his rebirth, when new payment methods such as QR codes had become so popular.

This means that campus card consumption will be viable for at least the next ten years or so. After all, after all the functions of the campus card are integrated, the consumption function is only one aspect of it.

As long as the campus card is not replaced, we can continue to collect taxes from merchants.

"In addition to these two ways of making profits, there are two more ways of making profits, but I don't intend to touch them."

“One is a way to make huge profits, which is to use the deposited capital pool to make profits.”

"This is easy to understand. When students top up their campus cards, the money doesn't actually go into the card. You understand that, right?"

"This money will be pooled into a large pool of funds. When students go to merchants to spend money, the merchants don't actually get the money, but instead get a consumption record consisting of a string of keys."

“Through this string of encrypted certificates, we settle accounts with the fund pool every month or every two months.”

Li Xu gestured with his hands and said, "This way, there will be a time difference. As long as students keep topping up, there will always be money in the fund pool."

"This pool of funds would earn interest even if it were kept in a bank, but in reality, most listed companies use similar pools of funds to invest in funds, government bonds, and the like, which have higher interest rates...there are more ways to play."

Although Xia Xiaohe was a student at Peking University or Tsinghua University, this was the first time she had heard of these tricks. She looked at Li Xu in surprise and said admiringly, "You can actually play it this way."

Li Xu smiled, took another sip of coffee, and said, "These are all elementary ways to play. There are also those who pursue high returns and add some leverage, using funds or insurance to magnify the funds and leverage greater returns. If a fund pool of tens of millions is used well, it can even be expanded to hundreds of millions."

He put down his coffee cup, tapped his finger on the table a few times, and said seriously, "But we absolutely shouldn't touch this kind of profit-making method."

Xia Xiaohe blinked and nodded, not quite understanding.

Li Xu's eyes were firm and sharp. "I absolutely cannot touch the students' money. This is my bottom line."

In his previous life, a guy named Dai cheated too many people. Li Xu didn't want to be that kind of person.

A person despised by the people.

Although Xia Xiaohe didn't understand why Li Xu said this so firmly, she felt that what Li Xu did was definitely right.

Although she couldn't explain why, she felt that doing so was justice, and Li Xu was justice.

She blinked, then suddenly thought of something and continued, "You just said there's another way to make money that you won't touch. What is that?"

Li Xu smiled, revealing a meaningful smile, and said, "There is another way to make profits that is not just a matter of risk, but I can't tell you what it is for the time being."

Xia Xiaohe shrugged and said, "Stingy, I'll do my own research."

Li Xu chuckled, shook his head and said, "Most people probably can't figure it out."

Li Xu's eyes became deep.

To put it bluntly, the last way to make money is data.

The concept of big data has not yet been proposed, but Li Xu believes that in a few years, people will definitely realize the importance of data.

Student consumption, whether it is consumption habits or consumption amounts, these data are extremely valuable, and there are so many things that can be done with these data.

To put it simply, banks can use this data to design targeted marketing plans for campus loans.

Speaking more broadly...

Li Xu's eyes narrowed. If this data were to be obtained by foreign forces...

You know, college students represent the future of the motherland, and there are so many places where these data can be used.

This is the bottom line of the bottom line that is even more forbidden to touch than the funding pool.

……

In the afternoon, Li Xu was going to complete the last preparation before going to the bank with Tang Qiaoning.

He came to the office building of the School of Management, a modern-style building with gray brick and stone exterior walls, which looked calm and majestic.

He gently knocked on the door of the Dean of the School of Management.

The dean's surname is Chen. Dean Chen pushed his glasses and saw clearly that the person coming was Li Xu, and a smile appeared on his face.

He is very concerned about Li Xu, the student whom he personally recommended to Peking University and Tsinghua University.

Naturally, as the dean of the college, he didn't have enough time to pay attention to every student, but he had heard about the two things Li Xu did after entering Peking University and Tsinghua University.

Of course, Li Xu spent most of his time studying hard and didn't make much noise, but this didn't affect Dean Chen's appreciation of Li Xu. Only with a lot of accumulation can one achieve great things.

Li Xu didn't waste time talking to the benefactor who had helped him get into Peking University and Tsinghua University. After greeting him respectfully, he got straight to the point and stated his purpose: "Dean Chen, I came to see you today specifically about a project."

Dean Chen was a little surprised because he had witnessed Li Xu's ability in leading a project.

So when Li Xu said he had another project, Dean Chen showed a very interested expression on his face. He pointed to the chair opposite and said, "Don't be in a hurry. Sit down and talk slowly."

Li Xu sat upright and began to talk about the campus card project.

Dean Chen listened silently, showing a thoughtful expression from time to time, but never interrupted Li Xu.

In fact, when he heard Li Xu talk about those ideas, he was a little surprised because they were already very complete. What he was more confused about was why Li Xu came to find him?
Logically speaking, the School of Management could not help with these technical matters until Li Xu slowly mentioned the matter of the funding pool.

Dean Chen's eyes suddenly changed, revealing a gleam of brilliance.

In fact, he had already vaguely guessed something.

At this moment, Li Xu, as expected, expressed his thoughts: "Based on the spending scale of our students, after the students top up their accounts, a fund pool of tens of millions will definitely be formed."

Li Xu looked at Dean Chen and said seriously, "I hope that this fund pool will be operated and managed by our School of Management, and then supervised by the university."

Dean Chen was silent for a moment. He knew very well what this meant.

From a project perspective, this fund pool can bring huge profits. If the fund pool is opened and operated in the name of the Management School, this part of the profits will naturally be used as the funds of the Management School.

Although the School of Management is one of the most well-funded schools in the university, no school would complain that it has too little money.

Dean Chen looked at Li Xu and said, "Are you really willing to donate the fund pool?"

In fact, this matter is far from that simple. The reason why Li Xu wanted to find the School of Management is not just to donate the funding pool. On the contrary, a key point in whether this project can succeed is whether the School of Management is willing to take over this funding pool.

And this is bound to affect the cake of the institutions behind the current campus cards.

Currently, the recharge funds for campus cards enter the school's financial system, but there is no doubt that the School of Management has a greater say. Instead of Li Xu arguing with the vested interests in the school's finances, it is better for him to contribute to the fund pool generously.

Not only that, whether the fund pool management college will take over is the key to the success of the next round of negotiations with the bank.

But Li Xu didn't plan to tell these words to Dean Chen.

His eyes were clear as he said to Dean Chen, "I am also a member of the School of Management. It is an honor for me to contribute to the School of Management."

This statement is not false. Although the School of Management is one of the colleges with the lowest sense of belonging among students of Peking University and Tsinghua University, it still receives a lot of donations from alumni every year. The only difference is that he made a "donation" in advance before graduation.

Dean Chen looked at Li Xu deeply, and his gaze could no longer be described as simple appreciation. His gaze even carried a bit of the affection of an elder for a younger person.

He knew very well what this fund pool meant. As long as the campus card business continued to exist, this fund pool would continue to bring income to the School of Management, and could even allow some outstanding students to participate in the practice of fund operations in advance.

Dean Chen was silent for a long time, then said solemnly: "If you encounter any difficulties in this project, you can come to me!"

This is a very weighty guarantee.

Li Xu stood up and bowed deeply to Dean Chen.

Dean Chen smiled meaningfully and said, "I was right about you."

……

These days, the gloomy sky seems to be covered by a thick lead curtain, and fine raindrops fall from time to time, giving people a feeling of depression.

Ye Ruida, Lei Yinbing and other researchers are busy in the laboratory.

However, the same is true for Li Xu, the project leader.

He needs to consider everything carefully, taking every detail into consideration.

Fortunately, Li Xu doesn’t have to worry about internal coordination and management.

I have to say, with An Duoduo and Shen Mobai specifically doing this, it really makes things a lot easier.

Now, he only needs to free up his hands to concentrate on the negotiations with all parties.

And An Duoduo naturally saw his hard work.

Today is the day we agreed to visit the bank together.

In the early morning, the soft sunlight shines through the thin clouds onto the earth, bringing a touch of warmth.

Before leaving, An Duoduo called early in the morning and said she would bring him breakfast.

Li Xu said: "No need, I can just go out to eat."

An Duoduo said on the phone: "I'm already downstairs, you have to stop by on your way to breakfast."

Li Xu blinked and smiled silently.

When he arrived downstairs of the dormitory, the flowers and plants on the roadside were still covered with morning dew, sparkling in the sunlight.

An Duoduo was sitting on the public seat under the tree in front of the dormitory building.

Today's An Duoduo is still full of vitality. She has short hair but her hair is black and shiny. A cute hairpin is eye-catching and adds a bit of playfulness.

When she saw Li Xu, her eyes lit up and she walked towards him slowly with a plastic bag.

Then he took out a sandwich and said, "Have you washed your hands?"

Li Xu blinked and said, "I've washed it."

An Duoduo handed the sandwich to Li Xu and looked him up and down.

She reached out and straightened his collar.

This scene was seen by many students passing by, and both boys and girls cast envious glances.

An Duoduo finished the task carefully as if no one was around, then she smiled with satisfaction.

Watching Li Xu take a bite of the sandwich.

An Duoduo showed a satisfied smile on her face and said, "Come on, I wish you a successful start."

Li Xu nodded.

It is worth mentioning that Uncle Liu has helped to ship the car over, so Li Xu can drive out for fun again.

He drove his AMG directly to the Foreign Languages University to find Tang Qiaoning.

At this time, Tang Qiaoning was already prepared, at least that's what she said on the phone.

However, when Li Xu drove to the gate of Tang Qiaoning's school, he couldn't help but feel a little uncomfortable when he saw Tang Qiaoning's dress.

Li Xu admired her very much, and then he said mercilessly: "What kind of outfit are you wearing?"

Tang Qiaoning said seriously, "Didn't you tell me to prepare well? I think my appearance is also something I have to prepare for. The female secretaries in my dad's company all dress like this."

Tang Qiaoning was wearing a professional suit, but the key point was that her lower body was a professional wrap skirt, revealing her slender legs. She was also wearing a pair of high heels, which added a bit of charm to her.

It has to be said that Tang Qiaoning is very beautiful dressed like this. Even Li Xu couldn't help but look at her a few more times, especially since Tang Qiaoning has an excellent figure and this dress perfectly outlines her body curves.

Li Xu slowly retracted his gaze, coughed, and said, "You should just dress like a student."

Tang Qiaoning asked seriously, "Why?"

Li Xu sighed and said, "We are just students. When we go to negotiate with others, our student status is very important. If you dress like this, you will lose a layer of your halo."

Tang Qiaoning blinked, sighed with some regret and said, "Alas, I studied it for a long time."

But then she cheered up and said, "Okay, then I'll listen to you and wear whatever you tell me to wear."

She was holding a bag in her hand. "My clothes are all in it. I can change right away."

Li Xu said, "Okay, I'll take you to the dormitory to change clothes."

Tang Qiaoning hesitated for a moment, looked at the car and said, "Forget it, don't waste my time anymore, let's go directly, I'll change in the car."

Li Xu's eyes flashed with surprise: "Change clothes directly in the car?"

Tang Qiaoning showed a hint of shyness on her face, but she still said confidently, "What does it matter? I'll just change in the back row. You won't peek, right?"

Li Xu coughed and said, "Of course not."

Tang Qiaoning smiled, opened the back door, and said, "That's fine. I trust you won't peek. It's okay. I'm not afraid, so why should you be afraid?"

Li Xu had no choice but to agree.

After the car started, it drove smoothly on the street, and the buildings on the side of the road quickly receded.

Tang Qiaoning started changing clothes in the back row.

Li Xu's eyes were looking calmly at the road ahead, motionless.

Don't even look in the rearview mirror.

It’s not that Li Xu is a gentleman, but he is afraid that if he peeks and is discovered by Tang Qiaoning, it would be embarrassing.

However, the rustling sound made by Tang Qiaoning when she took off her clothes, especially her skirt, still reached Li Xu's ears.

Li Xu couldn't help but have several beautiful scenes flash through his mind. He silently told himself that it was human nature.

Li Xu suppressed his restlessness.

A few minutes later, we finally arrived at our destination, China Construction Bank.

The bank building stands beside the street, with a magnificent appearance and glass curtain walls shining in the sun.

(End of this chapter)