After being reborn, my sister insisted on marrying me.

Friday noon, College of Arts and Sciences, United University.

My morning Classical Chinese class just ended.

Wei Yi was packing his things, preparing to go to the cafeteria with his three roommates.

Zhao Gang led the way, muttering that the cafeteria had braised pork today, and it would be gone if they went too late.

Luo Xiaofeng was looking at his phone in the back, checking the afternoon's elective course schedule.

Li Junjie followed silently at the back, clutching his guitar case.

Just as the four of them reached the entrance of the teaching building, Wei Yi's phone rang.

Sulaiman.

"Boss, my grandfather wants to see you again."

Wei Yi paused. "Again? Didn't we just have dinner last week?"

"Last week it was just about eating, today is different."

Sulei's tone carried a hint of schadenfreude, "Regarding the credit score thing you mentioned to him last time, he talked to a few experts this week, and the more they talked, the more they felt it had potential. This afternoon, a few leaders and experts from relevant departments came to his side and wanted you to come over and discuss it with them."

"...Can I not go?"

"No. The car is already on its way and will arrive at our school gate in about ten minutes."

Sulei paused, then added, "My grandfather's exact words were, 'Call that young man over; I have a few old guys here who want to ask him some questions.' Do you think I can negotiate?"

The phone hangs up.

Wei Yi stood at the entrance of the teaching building, took a deep breath, and turned to Zhao Gang, saying:

"You can eat the braised pork yourselves, someone's looking for me."

"Who is it? Your sister?" Zhao Gang asked.

"No. An elder."

"That Aunt Wu from last time?"

"No." Wei Yi shook his head, thought for a moment, "This time it's a man."

The four of them walked together to the school gate.

The sun was warm at the end of October, and the ginkgo leaves covered the ground in a golden carpet.

His three roommates stood beside him, waiting. Zhao Gang was still talking about braised pork, Luo Xiaofeng was looking down at his phone, and Li Junjie was leaning against the stone pillar of the school gate, lost in thought.

A black sedan drove up from the other end of Xueyuan Road and stopped silently at the school gate.

The car body was spotless, and a rather ordinary-looking license plate hung on the front.

The license plate number starts with XX6.

Luo Xiaofeng glanced up unintentionally, and his phone slipped directly into his sleeve.

He grabbed Zhao Gang, who was still muttering about braised pork, and lowered his voice so low it was almost squeezed out between his teeth.

"Gangzi, look at that license plate."

Zhao Gang followed his gaze, looking completely bewildered. "XX6? What does that mean?"

Luo Xiaofeng took a deep breath. "The pretty auntie who picked up Lao Wei last time, her car was an AG0."

Zhao Gang nodded. "You mentioned this last time."

"XX6." Luo Xiaofeng's voice trembled. "It's listed before AG0 in the official vehicle license plate sequence. Understand?"

Zhao Gang's mouth dropped open.

Li Junjie, who had come closer to listen, silently placed his guitar case on the ground and said in an unusually calm tone:

"Last time... was outrageous enough. What's this compared to that?"

"You were born into the right family, got into the right school, and ended up in the right dorm," Luo Xiaofeng said.

The back window rolled down, and Su Lai leaned out and waved to Wei Yi: "Get in! Don't keep my grandpa and the others waiting."

Wei Yi opened the back door of the car, and before bending down to get in, he glanced back at his three roommates.

Zhao Gang's mouth was still open.

Luo Xiaofeng's expression was as if he were watching a movie that shouldn't be in his life.

Li Junjie silently hugged his guitar tighter.

Su Lai waved to the three of them, "Boss Wei, can I borrow this place for a bit? I'll return it to you this afternoon!"

The black sedan drove off Xueyuan Road and turned onto the Fourth Ring Road.

Zhao Gang finally shut his mouth. "Before I came to the capital, the most impressive car I ever saw was the Passat owned by our local boss."

"That's nothing." Luo Xiaofeng leaned against a stone pillar, looking up at the sky. "AG0 was already the ceiling of my imagination. XX6? I've broadened my horizons."

Li Junjie hugged the guitar even tighter.

"Let's go, let's go. Time to go back for dinner." Luo Xiaofeng waved. "Damn it, I'm even more determined to be a lackey now. I must..."

Luo Xiaofeng was speaking when he caught a glimpse of someone standing under the ginkgo tree inside the school gate.

Jiang Wan.

She was wearing a light gray trench coat, holding a laptop bag in her arms, and stood there watching the black sedan drive away.

The wind lifted her blue scarf a bit, and she reached out to hold it down, but her gaze remained fixed on it.

Zhao Gang saw her too. "Squad leader? What are you doing standing here?"

Jiang Wan turned her head, her expression as gentle and proper as ever.

"Send the weekly report. Chairman Chen asked me to print out TAGE's operating data from last week; we'll need it for tomorrow's executive meeting."

She paused, then spoke as casually as if she were discussing the weather, "Was that Wei Yi just now? Was he picked up by some elder?"

"Yeah, it seems like it was Su's grandfather who sent a car to pick him up," Luo Xiaofeng said.

Jiang Wan nodded and didn't ask any further questions.

She switched the laptop bag to her other hand, said goodbye to the three of them, and turned to walk towards the startup base.

After walking a few steps, she paused in the shade of the ginkgo tree.

XX6.

She is professional.

There has been research on this.

She knew what the license plate meant.

The person who picked him up was Sulei's grandfather.

Seeing this license plate today, she finally pieced all the fragments together.

The boy who came from a fifth-tier county in Guangdong Province, the boy who squeezed lemon juice for her at the barbecue stand, the boy who kissed her in the study room and then said "Let's be friends".

Right now, I'm sitting in the back seat of an XX6, heading towards a courtyard house inside the Second Ring Road.

Jiang Wan lowered her head.

She looked at the stack of printed weekly operations reports in her arms.

She originally thought he was just a little better than other very good guys.

Now it seems...

She felt she might need to readjust her assessment of him.

She touched her lips, pulled her scarf tighter, and continued walking towards the startup base.

the other side.

The black sedan drove through the Second Ring Road and turned into that familiar narrow alley.

Most of the leaves of the Chinese scholar tree have fallen, leaving a thick layer of golden yellow on the bluestone pavement.

Sulei, sitting in the passenger seat, glanced back at him and, unusually, didn't joke around.

"There's quite a entourage today. Besides my grandfather, there are two retired senior leaders, an old professor, and a technical consultant. They're all his former subordinates or colleagues, whom he called over one by one."

Wei Yi leaned back in his seat and took a deep breath.

Damn.

Did we really need to make such a big fuss?

In his previous life, he served as the deputy director of the subdistrict office for so many years; he had seen his share of big events.

But back then, he was just a background figure; no matter how important the people who came were, it had nothing to do with him.

All he has to do is stand in the back row and keep smiling.

Even because of their good looks, regular facial features, and upright posture.

Whenever there's a ceremonial guard that needs to make a good impression.

The district would send him to make appearances.

Today is different.

Today, we're having him sit at the table with a group of real experts and bigwigs to discuss something he hasn't even figured out yet.

It would be a lie to say he wasn't nervous, but he also knew that being nervous was useless.

Old Su has already called people over; he can't possibly let us down.

Moreover, he had used that complete credit scoring system countless times in his previous life.

Borrowing power banks without a deposit, staying at hotels without a deposit, renting cars without a deposit, enjoying the convenience store and paying later, and having your money deducted without a password through a mini-program.

These features, which later became ubiquitous, were not even in their infancy in 2014.

Go ahead and talk about it; consider it a product demonstration for these experts in advance.

The car was parked in front of the vermilion gate.

The young man in the white shirt was already waiting at the door, and he opened the car door and bowed slightly.

"Miss Su, Mr. Wei, the old man is in the backyard. The other guests have already arrived."

Sulei got out of the car, straightened her collar, and unusually appeared somewhat solemn.

Wei Yi followed behind her, stepped over the threshold, passed through the screen wall, and entered the courtyard planted with osmanthus and crabapple trees.

Five or six people sat around a stone table in the backyard, each with a cup of tea in front of them. The aroma of tea mingled with the fragrance of autumn osmanthus blossoms in the air.

Old Su sat in the main seat, wearing that dark gray Zhongshan suit, holding an enamel teacup in his hand. He smiled when he saw Wei Yi come in.

"Come, come, sit down. I specially asked Lai Lai to pick you up today. These are all my old colleagues. This is Professor Meng, who studies social credit systems. This is Xiao Chen, who works in the financial system. I asked you to come here so that you can talk about your previous ideas."

Wei Yi's heart skipped a beat, but he quickly calmed down.

He sat down, picked up the tea that the nanny had just poured, took a sip, and waited for Old Master Su to continue.

"After our last conversation, I found this matter increasingly interesting. Bank credit reporting only covers lending activities, but people's credit in daily life goes far beyond just borrowing and repaying money."

"Your idea is to incorporate behavioral data from the sharing economy into credit evaluation. I think this idea can be expanded to include a private credit scoring system that is independent of bank credit reporting."

Old Su paused for a moment, then looked at a tall, thin old man wearing gold-rimmed glasses beside him. "Old Zhou, you're an academic in finance, you ask first."

Old Zhou put down his teacup. "Xiao Wei, I heard from Professor Su that you were involved in bike-sharing at the university and accumulated a lot of user data. However, credit ratings are different from riding data. How can you guarantee the objectivity and fairness of this unofficial credit score system? What if someone manipulates the data?"

Wei Yi put down his teacup.

He had never thought about this question before.

But because of what happened last week, his sister, Lin Siyan, two top students, both tutored him.

It can be said that a draft has already been completed.

He simply read from the draft.

Or you can build upon the draft.

That's exactly what he, the deputy director of the subdistrict office, is best at.

"Mr. Zhou, the underlying logic of credit scores is not 'quantity,' but 'quality.'"

"It's not about who rides the most to get the highest score, but about whether they follow the rules in every ride."

"Furthermore, whether the car was returned in the designated area, whether there was any damage to the vehicle, and whether anyone reported it for repair on behalf of another person. Only after cross-verification of these behavioral data can a credit rating be formed."

"As for the issue of data manipulation, it can be solved through multi-dimensional data verification. If the same user parks their bike in a green belt, their cycling data may look good, but their violation records will lower their credit score. Unless they can falsify data in all dimensions simultaneously, the cost is extremely high, which is theoretically not worthwhile."

Old Zhou nodded and didn't ask any further questions.

Professor Meng, standing next to him, adjusted his glasses: "Xiao Wei, I heard from Professor Su that this idea of ​​yours just popped into your head on the spur of the moment?"

"No, Professor, I don't know if you're aware of Alibaba's Sesame Credit score..."