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Home >> 1 Erotic stories>> [Repayment System] (1-2)
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[Repayment System] (1-2) 

Author: dcc98 Word Count: 7194

It's been a while since I posted. This time I'm just posting out of loneliness. Maybe I won't post anymore when I'm not lonely anymore. As for whether it will be weekly, monthly, or even three times a week, that's uncertain too.
Regarding the new world, it's hard to say whether I'll update it at all, because honestly, how should I put it? I just haven't felt like writing for over a month. Also, the third part is a Western fantasy, the kind with elves, dwarves, and orcs. I haven't written it yet, so there isn't one. Don't bother looking for it, thank you.
That's all!
===
...


That's right, every guy—well, no, nowadays basically everyone knows what I'm doing. That's right, I'm masturbating, or to put it bluntly, jerk off. But then again, what else can I do?
"Knock knock knock..." A series of urgent knocks on the door startled me, making me jump and tremble. I quickly tried to pull up my pants.
"Jianqiang, open the door!" My mother's urgent voice rang out from outside. Yes, I live at home. Although I'm in university, I'm a day student because it's not far from home.
Anyway, amidst my mother's urgent knocking, I quickly stuffed my still-erect penis into my underwear, then rapidly pulled up my pants and prepared to open the door for my mother.
But, just as I was about to reach the door, I remembered that my computer was still silently playing "Tenfold Retribution"!
Some of you might be wondering, "Tenfold Retribution!" Isn't that an inspirational drama?!
Am I just really into this thing?!
Of course not! Yes, the Hanzawa Naoki version of "Tenfold Retribution" is definitely an inspirational drama, but the Hanzawa Naomi version by Hatano Yui-sensei isn't. Besides, if it were a normal "Tenfold Retribution,"
I wouldn't be so concerned.
So I hurriedly ran back to turn off the player, but in my haste, I accidentally bumped into the water glass next to the laptop, and then tragedy struck—the circuit board short-circuited. I didn't even bother to wipe the water off; I rushed to unplug the power cord, forgetting that my hands were covered in water. I felt a sharp pain all over my body, then everything went black, and I knew nothing more.
"Fatty Huang, we're asking you for some money, and you're giving me the runaround. Are you looking down on us?!" I had just come to my senses when I heard a shout from the people next to me, and then I felt a sharp pain on my face.
"Bah..." I don't know if it was because I had just woken up, but I seemed to hear a power-on sound.
It didn't matter anyway. Having recovered, although I still didn't quite understand what was happening, I knew I'd been hit. So, looking at the guy who'd hit me, I threw a punch back.
"Ouch, damn it, you dare hit me?! You guys help me beat him up!!!" The guy I hit looked vaguely familiar?!
But I didn't have time to think about it. Several people surrounded me and started hitting me. Luckily, I'm a bit chubby—not extremely chubby, but more of a slightly stocky kind—but it's still fat, so even though I was being attacked by everyone, the pain wasn't unbearable. Then things became easier. In a fight, you focus on one person at a time, right? So the guy who hit me got his kicks; after all, he was the first to draw attention. I focused on him, and soon he couldn't take it anymore and started running away. Seeing an opening, I quickly ran after him.
Then it became a tug-of-war: I chased the guy in front, while the others chased me.
And so, we chased each other from a rather secluded corner all the way to the foot of a bustling building. That's when it dawned on me—damn, isn't this my old high school building?
While I was still reeling from this, we found ourselves in the crowd. Perhaps because we were in the crowd, the people behind me stopped chasing me and scattered. After chasing the person in front of me for a while, I stopped. Running isn't my strong suit; I couldn't catch up!
"Huff...huff..." I stood there panting, trying to figure out what was going on!
The person I'd just met seemed to be a classmate from high school, I think his name was Zhou Qingquan. We used to be on good terms, but things deteriorated later, and that's why things just happened.
As for why we were on good terms before, let me explain. Back then, I wasn't very good at making friends (and I still am, otherwise, why would I be a homebody?), so I rarely refused to help others. The result? I often borrowed money from people. Other than that, it was fine; most people would pay it back. After all, I was still in the ivory tower, and the social atmosphere was better back then.
It wasn't a big deal, just that a few people borrowed money and didn't pay it back, Zhou Qingquan was one of them. I asked them for it several times but couldn't get it back, so I just accepted my bad luck.
Then, somehow, a rumor started circulating that I was weak. I didn't really care; most guys don't care too much about what others think, and besides, I learned then that you can't stop rumors.
But then, Zhou Qingquan lost over three thousand yuan gambling, and somehow, he gathered a group of people to try and rob me, this weak person, and that's how it happened!
Uh, it seems like I've been reborn?!
I can't believe it, but I hadn't noticed before. Now, looking around carefully, some people look familiar—they're all my high school classmates!
Then, looking at my clothes, I'm even more certain that I've been reborn.
After all, even if it's a prank, no one can find someone exactly like my old classmates, and who the hell would be so bored as to play a prank?!
At this point, I couldn't help but give a bitter laugh. Damn it, most people who transmigrate and are reborn wake up from a nap, or at least get beaten down and then wake up again. Me? I'm getting beaten up the
moment I transmigrate! What a miserable life! After the bitter laugh, I calmed down and thought carefully. My memory of this incident was quite clear. It happened when I was in my second year of high school, only a week into the semester. Right, I checked my pockets. Thankfully, there was a thousand yuan in there.
This was my allowance for the month. Actually, I lived at home until I was reborn. The only time I lived off-campus was in my first year of high school because of some family issues. Why was this my allowance for the month?
Mainly because my mother went on a business trip and left it for me. I have a habit of carrying all my cash with me, so that's how I ended up with this thousand yuan!
Just after I had filtered everything out, I suddenly felt dizzy, and when I came to my senses, I found that there was a screen in front of me, just like the screen in a science fiction movie!
The screen displayed the words "Repayment System" in large letters, with a start button below.
Seeing this, my lips twitched involuntarily. Judging from the pain of being hit earlier, I shouldn't be dreaming. But in this situation, could I have been driven insane by the beating?!
However, since I've been reborn, I guess I should be getting protagonist treatment!
I clicked "Confirm," and the screen slowly appeared. First, there was an interface with four tabs: Holder, Debtor, Shop, and Skills.
I first clicked the Holder tab, and a 3D model of myself was displayed directly on the screen, along with the following text: Name: Huang Jianqiang, Gender: Male, Age: 17, Height: ...,
Achievement Points: 7, Circulation Points: 550. The data around me was remarkably accurate; I couldn't see any errors. As for the last two data points, I had a vague idea of what was going on. First, the achievement points—as a seasoned novel enthusiast, I naturally understood that system points must be linked to the system.
The system is called the "Repayment System," so the achievement points are related to repaying debts. Although I've borrowed money from people, it's clearly more than 7 times, but less than 550! As for the number of times, although my memory is a bit hazy, I'm sure it wasn't 7 times, at most three or four.
So, it must be that others are repaying my money. Thinking about it carefully, it's true. Throughout my first year of high school, excluding those who didn't repay, I really lent money to 7 people, totaling 550 yuan!
After looking at it for a while, I exited the holder interface and then clicked on the debtor options below in order:
Zhou Qingquan
, Li Dongqing , Huang
Jinpeng, and
Huang Zeyu—
four options in total, representing the four people who owed me money. I randomly clicked on Zhou Qingquan's options: Name: Zhou Qingquan Gender: Male Age: 17 Debt: 100...
Father: Zhou Guobing Mother: Zhou Xiaofen The last two introductions even included photos. To be honest, I'd seen his father before; he definitely looked exactly like him. However, I hadn't seen his mother, and I wasn't sure if that was true. But the system should be correct, right? His mother looked quite ordinary!
After exiting Zhou Qingquan's options, I clicked on Li Dongqing's options: Name: Li Dongqing Gender: Male Age: 17 Debt: 100...
Father: Li Jianguo Mother: Chen Shufang Girlfriend: Li Xiaojia Compared to Zhou Qingquan, Li Dongqing's options included a "girlfriend" section. I vaguely remembered hearing that Li Dongqing found a girlfriend in his second year of high school, one of the three most beautiful girls in the school! Back then, a bunch of guys were envious and jealous for an entire semester!
After a closer look, Li Xiaojia truly lived up to her reputation as the school beauty; she was indeed pure and lovely, looking completely natural, without a trace of makeup.
Involuntarily, I clicked on Li Xiaojia's beautiful profile picture: Name: Li Xiaojia Gender: Female Relationship: Debtor Li Dongqing's girlfriend Repayment: Originally, I wanted to see more about Li Xiaojia, this school beauty, like her measurements
, etc., but unexpectedly, although the profile picture turned into a 3D model, I didn't get anything at all!

Chapter Two: Finally, I Have a Girlfriend!
However, the 3D model was nude, which did give me a good eye-opener. Then I turned my attention to the "Repayment" option. This option was completely blank, which puzzled me, so I clicked on it.
A blank space appeared, so it seemed like I had to type something in! As a typical otaku, I let my imagination run wild. Thinking back to some adult videos we'd watched together, I couldn't wait to type "body." And as soon as I finished thinking, the words "body" appeared in the space. That's when I realized I could control it with my brain!
Repayment: Body valuation: 1500. Before I could even figure out what was going on, a valuation appeared below the repayment option, and at the very bottom, two more options: "Confirm" and "Cancel." However, the "Confirm" button was red, and no matter how many times I clicked it, it didn't work. It seems like the money owed to me isn't enough!
There was no other way but to cancel. Then, a brilliant idea popped into my head. I typed "love" into the repayment section, and it actually worked: Repayment: Love Estimated Value: 30. I checked, and the "OK" button was white and clickable. I couldn't help but scoff. Love really is cheap! Of course, that doesn't mean cheap love doesn't last. I remember they got engaged in their senior year of high school; their parents had even met. I don't know how it turned out, but at least their love lasted quite a while!
Then I noticed a "+" sign after "Repayment." Curious, I clicked it, and the result was the same blank space as before. Looks like this is adding an option.
With my wild imagination, I didn't hesitate to type "Compliance" into the blank space. The result was: Repayment: Love Estimated Value: 30 Repayment: Compliance Estimated Value: 700. The "OK" button instantly turned from white to bright red, but then an exclamation mark appeared. I clicked it: Suggested Solution: First select "Love," then after payment, select "Compliance"!
Oh, so there's a secretary function too!
I tried it out, and after paying for the love, my obedience rate instantly dropped from 700 to 70. Looks like the order of things matters sometimes!
But thinking about it, it makes sense. After paying for the love, Li Xiaojia is my girlfriend, so it's understandable that obedience to her boyfriend becomes cheap.
At this point, my achievement points became 8, and my circulation points were 650. But nothing changed!
Confused, I clicked on the shop's options: RMB: 10:1. The first thing I saw was the eye-catching words, 10:1. That means if I lend out 650 yuan, with the system, I can get back 7150 yuan!
Calming myself, I continued reading: USD: 1:1 GBP: 1:1…
JPY: 100:1…
It seems like every currency in the world is available, and the exchange rate can be manipulated. Unfortunately, you can only exchange from the inside out, not from the outside in.
Next came the item exchange: Toothbrush: 1, Soap: 1...
4K TV: 1000...
iPhone 5s: 400...
Type 54 pistol: 100...
Spaceship: 99999999. Looking at it, it was all-encompassing, from toothbrushes to Gundams, everything was available. However, there was even a "Semen" option, worth 1! That really shocked me. What the hell? What use would I have for semen? To lick it?!
But whatever, I wasn't going to buy it anyway. After thinking for a moment, I decided to try exchanging 10 RMB. Clicking "Exchange," watching the circulating value change from 650 to 649, I suddenly felt dizzy, but then I was overjoyed because I had another space! Protagonist mode!
This was a space of unknown size, pitch black, but I could vaguely sense that this space was at least no smaller than a city (a miniature Buddha Kingdom, at least larger than Europe, though my experience is limited).
In this pitch-black environment, I could clearly feel a ten-yuan bill inside. With a thought, my consciousness returned to my body, and I looked in my hand—a blue ten-yuan bill was right there.
If I had any doubts before, now I was absolutely certain that this system was real, and incredibly powerful!
I had just bought a drink at the convenience store with ten yuan, and the bell rang for class after I left. Following my memory, I went to the classroom. Since most of the students had already returned to their seats, it wasn't difficult to find mine. Because we had single seats, there were no issues with sitting together.
"Alright, everyone, get ready, class is starting now!" A middle-aged man walked in and began the lesson.
However, my mind wasn't on the lesson at all. I opened the system and selected the last skill option I hadn't yet seen. The result was that I was panting heavily, almost having an orgasm!
It ranged from basic skills like Elementary Mathematics Proficiency, Intermediate Mathematics Proficiency, and Advanced Mathematics Proficiency, to skills like Lightning Control, Ghost Control, Liquid Control, Fire Control, and Air Control, with points ranging from tens to hundreds.
It was all-encompassing, with the highest-level abilities being Time and Space Control. Of course, their prices were well worth their top-tier status. Looking at my 8 achievement points, I felt a pang of guilt.
After looking at all that, I had nothing else to do. Exchange for skills? No, no, I only had 8 achievement points. Those special abilities required at least 10 points, and I didn't really want the rest. I figured I'd just save them.
While idly browsing the system, I accidentally saw a small "Elementary" label next to the money-repayment system at the top of the initial interface.
Clicking on it, I discovered that the system also had intermediate and advanced levels. I just didn't know how to upgrade, but judging from the novel, it was definitely related to the money-repayment system.
So, I boredly endured the afternoon classes. The blockade I'd been in happened around noon, and with the bell ringing, I followed my classmates out of the classroom.
Remembering what I was doing, I retrieved my bicycle and pushed it towards the gate.
"Wow!!!" I vaguely heard someone call me from behind? But I wasn't sure, so I slowed down, looked back, and didn't see anyone I recognized, so I continued walking.
"Qiang!" I heard someone calling, a rather gentle female voice. But thinking about how I'm a homebody, I figured no girl would contact me, so I ignored it.
"Jianqiang, wait for me!!!" This time I heard it clearly; it was definitely someone calling me. I stopped and realized it was Li Xiaojia. I remembered that I had paid her love at noon, but I'd been busy checking the system all afternoon and had forgotten about her.
"Jianqiang, are you going back?" Xiaojia had already walked up to me and asked somewhat reluctantly, because she was a boarding student and school rules prohibited her from leaving campus.
"Yeah, that's right. Oh, by the way, my mother isn't home. I'm eating out today. Let's go eat together!" As I spoke, I reached out and took Xiaojia's soft, white hand. Suddenly, a strange feeling washed over me. My heart raced, I felt a little breathless, but also very comfortable. I don't know how to describe it; it was probably an adrenaline rush!
Xiaojia, though I don't know how she felt, had her pretty face flushed and lowered, her small, delicate ears also bright red, which must be why.
Then I pulled Xiaojia outside. Because of her "compliance," Xiaojia resisted a little, but not very forcefully, half-pushing and half-yielding, and followed me out of the school. It wasn't that she didn't want to eat with me, but she was a good girl and a well-behaved student. As one of the school beauties, many people knew about her behavior. Although I didn't know everything, I did know some things, such as that she never had the bad habit of sneaking out of school. Today, she gave me her first time!
"Huff... huff... I was so scared." The first time is always more nerve-wracking. When we went out the door, Xiaojia didn't dare to breathe. After we came out, she was panting heavily, patting her small, heaving chest, and said with a frightened look. Xiaojia's chest wasn't big, which was obvious whether she was wearing clothes or in a 3D nude model. But it was still quite well-developed, and more importantly, it was firm.
"Okay, catch your breath. How are you? Do you want to go eat? I'll take you." I gently patted Xiaojia's pink back and said softly. I should mention here that although the security at the school gate isn't very strict, there are still uncles and aunties taking attendance in the dorms every night. Getting points deducted is a minor matter; if the teacher finds out, it's all over. So I wanted to finish eating quickly and then take Xiaojia back.
"Hmm, I want to eat porridge. The cafeteria only serves dry rice. I haven't had porridge in ages," Xiaojia thought for a moment, then pouted her pink lips and complained.
"Okay, let's go." We got into the car and headed towards a restaurant with Xiaojia in tow. Along the way, many pedestrians stared at me. Of course, they didn't know me, but seeing their goddess on someone else's bicycle, they naturally wanted to see who I was. It didn't matter; although I'm not shameless, I'd gotten used to the stares after walking Xiaojia out of the school gate with her and then gently stroking her back.
"How's this place?" I asked Xiaojia in front of a duck congee restaurant.
"Sure!" Xiaojia didn't mind; as long as there was congee, she was fine.
At the restaurant, I ordered two bowls of duck leg congee and a few side dishes, then sat down with Xiaojia to chat. I mainly wanted to get to know her better; after all, we were boyfriend and girlfriend, even if it was through a debt I'd gotten together.
Soon, the food was served, and Xiaojia and I started eating. Some people say watching a beautiful woman eat is a pleasure; I don't know if that's true, but watching Xiaojia eat so slowly and deliberately revealed another kind of beauty in her, even making the porridge taste better!
"By the way, Xiaojia, do you know someone named Li Dongqing?" I asked casually.
"Li Dongqing?" Xiaojia raised an eyebrow, then said with a hint of realization, "You mean that guy who keeps writing me love letters and harassing me in our class all the time? He's so annoying." Xiaojia said with some disgust.
"Oh, really? It's okay, he won't bother you anymore." I said with a smile. In this situation, Xiaojia had completely transferred her affections to Li Dongqing, so Li Dongqing should be unhappy, and might even come to me. But I figured that something as powerful as the system wouldn't leave such a loophole, so Li Dongqing should have changed his mind too!
Ignoring all that, Xiaojia leisurely finished eating half an hour later, and then I went to pay the bill, which came to 59 yuan. In 2009, two bowls of duck leg congee plus several side dishes (including meat) were actually considered decent in our coastal area, a bit pricey, but acceptable.
I used up 10 points of my credit card to exchange for 100 yuan to pay. The reason we couldn't finish all those side dishes was because at lunchtime, it was only 10 yuan, and I wasn't sure if the money detector would accept it. This time at the duck congee restaurant, I could try. It
worked! With the change, Xiaojia and I left the restaurant. I used the change to buy her some cream puffs (her favorite, as I mentioned earlier) and two cups of milk tea, and then I took her back to school.

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