Knowing which positions are variants
Set 1

read 1 6523432: A - 6710432 T
read 2 6523432: C - 6710432 G
read 3 6523432: A - 6710432 T
read 4 6523432: C - 6710432 G


I understand this as showing the location of 2 variants, supported by 2 reads each. Now, if the reference has an A at position 6523432, your sample could be heterozygous for an A->C variant at position 6523432. If the reference has a C at that position, then your sample could be heterozygous for C->A. If the reference has something else again, for example G, then your sample could be heterozygous for G->A/C. Similarly for location 6710432.
Set 2

read 1 6523432: A - 6710432 T
read 2 6523432: A - 6710432 T
read 3 6523432: A - 6710432 T
read 4 6523432: A - 6710432 T


In this case, if the reference has an A at position 6523432, the reads do not support a variant. However, if the reference has anything else, then the reads would support a homozygous variant e.g. G->A. And the same for position 6710432.


Now, in all of these cases, you cannot know whether a variant is real without taking into account the number of reads that support it, the quality of the alignment, and the quality of the reads. That's why we do this using dedicated variant callers, software that is designed to take all these factors into account and decide whether to call a variant at that position. 

But in all cases, the variant must be defined with respect to a reference genome. You cannot call a variant just by looking at reads without any knowledge of a reference. A "variant" just means "not what is found in the reference". It is largely a matter of random chance whether something is a "variant" or "normal". If the individual(s) whose genome was taken as a reference has the same sequence, then you call it normal. If not, then you call it a variant. There are many cases where the standard hg19 or hg38 genomes have a "normal" residue which is actually far less common than the known "variant". There's nothing special about the reference genome, after all, it's just the one we chose to call a reference.