Chapter 1258 Hard is not enough, soft is needed
This is a "quasi-high-tech" that combines microelectronics technology and computer technology, which can help finance, transportation, medical care, identity certification, etc. Industry booster.
But its technical threshold seems to be destined to be just within the reach of starting Chinese companies.
The key is that it is very in line with the current national conditions of the country, as if it is tailor-made. It can just fill in part of the "blank anxiety" caused by underdeveloped networks, allowing us to have smooth networks even though we are not yet in developed countries. Even though we have a long life, we can already enjoy the "core" of developed countries' network.
You can understand simply by giving an example.
For example, last time Zhou Zhi went to Northern Xinjiang to buy Hetian jade, he needed to transfer his huge amount of funds to the Bank of China in Urumqi in Northern Xinjiang, and then after arriving there, he would write a cash check at the Bank of China in Urumqi and then take the check with him. Hotan, after completing the transaction, write a check to the seller as a means of payment.
The seller took the check to the savings bank to exchange it for cash. The savings bank took the check and handed it over step by step, and finally returned to the Bank of China in Urumqi for write-off and settlement.
This is the painful process of making cash payments in the "internet disconnection era".
After having the IC card, the process is still the same, but for Zhou Zhi, it is not noticeable.
What is the reason? It is the function of IC card that can carry information.
It can load Zhou Zhi's deposit information into the card, which is equivalent to Zhou Zhi carrying a passbook.
This passbook was opened by Zhou Zhi in Shudu. It cannot be used in Urumqi, but it can prove that Zhou Zhi does have so much money in his account in Shudu and has a strong payment balance. strength.
Because of the security of IC cards, as long as the bank has this mechanism, it can freeze the funds when Zhou Zhi’s account information is swiped into the IC card, then as long as Zhou Zhi’s consumption in other places does not exceed this Up to the upper limit of the transaction amount, the bank can withdraw it from the frozen funds and use it exclusively for the normal settlement of Zhou Zhi's consumption in other places.
Zhou Zhi does not need to pay attention to how the banks in Shudu and Urumqi settle accounts. He can just swipe at places with credit card machines in various parts of Urumqi.
Because Zhou Zhi's card has a memory function, although his every consumption cannot be known to Shudu in real time, it can be recorded on this card.
At the same time, even if there are no network connections at card swiping points, savings banks and Urumqi branches in northern Xinjiang, transactions can still be confirmed by swiping the spare parts of the POS slip.
The balance on Zhou Zhi's card will also be reduced with each swipe of the card, unlike credit cards that can be overdrafted, which ensures the "authenticity" of Zhou Zhi's financial credit.
When Zhou Zhi finishes his consumption and returns to Shudu, the settlement between the banks in Urumqi and Shudu has ended. Zhou Zhi only needs to go to the bank to swipe his card again to combine the transaction information of this trip with The bank will conduct a "three-party reconciliation" on the deduction information received from Urumqi. After the settlement is smoothed, the remaining funds in Zhou Zhi's account can be unfrozen and the account can be returned to normal use.
Although it is still a "disconnected transaction mode" and although the clearing method is no different from cash checks, the experience for customers is completely different.
For cardholders, this is equivalent to carrying a big wallet with invisible money, which can be spent all over the world. As for the troublesome fund flow and account settlement behind it, it is the responsibility of merchants, transaction banks, Cardholders have no idea about the troubles faced by banks when opening accounts.
They only experience the joy of swiping their cards to consume.
Of course, when the Internet is developed, such as withdrawing money from ATMs in big cities, these transactions can also be real-time. This does not mean that IC cards cannot do this.
This is actually a very advanced concept of "e-wallet". Even before the risk control mechanism of the financial system is set up, it cannot be so powerful at the beginning, but it can be done in small amounts in places such as buses, water, electricity and gas charges, and campus canteens. If multiple amounts are used, this risk is completely controllable. In addition, there is another important application scenario with unlimited future - that is, IC cards can also be used for mobile phone user identification and information encryption. This is what everyone will soon know as the SIM card.
From Batumi to the later Vanathan Agreement, China was excluded. However, in the developed countries within the Batumi and Vanathan Agreements, there were various differences in the chip and semiconductor industry. With its division of labor and seamless cooperation, strict technical barriers have been built.
This imposes a huge and difficult-to-change external constraint on China, and even all countries that are willing to develop the chip and semiconductor industry, which directly limits China's chip and semiconductor industry in a closed and deadly cycle.
In the early days of South Korea, Japan, and Taiwan, the reason why the regional chip industry was able to rise was because of the strong support of technology transfer from the United States.
ASML, the most advanced special equipment manufacturer in the Netherlands, also has tripartite shareholders from the United States, South Korea and Taiwan.
On the development path of latecomers, China was stumped at the first hurdle.
It is very difficult to break this game, but Zhou Zhi’s advice to Lao Hu is not to rush, not to rush at all.
The reason for not being in a hurry is that Zhou Zhi believes that the country is fully capable of focusing on development and cultivating a huge market that makes all countries and companies in the world covet.
Then it’s simple, the world is prosperous, and everyone is benefiting.
As long as the benefits are large enough, committing crimes by capitalists is not called a crime, it is called returning to the business.
No matter how strict the barrier is, it is easiest to break through it from the inside.
What we need now is to create a reasonable, sufficient, and even just powerful motivation and reason for certain members of this alliance to fight against Fan Tianyin.
Then, while developing yourself, sit back and watch the competition. When you have the opportunity, reach out and pick up the leaks. If you don't have the opportunity, just continue to develop yourself.
The emperor is not in a hurry, it is the eunuchs who are in a hurry.
But the idea can be sorted out in this way, but Lao Hu is a politically sensitive figure, and he raised another question, that is, after the overturn of the "808 Plan", using a technology with low technical content Can a high-end smart IC card meet the expectations of the Chinese people and superiors for the development of large-scale integrated circuit chips?
You can tell with your toes that this is simply impossible!
Then Zhou Zhi was happy, Lao Hu, if it’s not hard enough, we can still be soft!
Now we already have smart IC cards. What is a smart IC card? It is actually a mini electronic computer.
What are the two legs of an electronic computer? Hardware and software.
So we first thoroughly understand the technology of smart IC cards, and then improve the performance. When coupled with the universal operating system platform developed by our company, doesn't it become a real mini computer?
This universal platform can be used in many ways. Because of its small size, it is most suitable for various mobile scenarios. Currently, it can be used as a music player, a repeater learning machine, a recording pen, a digital camera...
< br>When the technology matures in the future, we can try to integrate all these functions together, plus mobile communication functions, well...
(End of this chapter)