CN111091359A - Campus card management system - Google Patents
Campus card management system Download PDFInfo
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- CN111091359A CN111091359A CN201910977434.XA CN201910977434A CN111091359A CN 111091359 A CN111091359 A CN 111091359A CN 201910977434 A CN201910977434 A CN 201910977434A CN 111091359 A CN111091359 A CN 111091359A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
- G06Q50/20—Education
Abstract
The invention provides a campus card management system, which comprises a first terminal device, a third-party server, a cloud server, a load device and a campus card, wherein the first terminal device is connected with the cloud server; the first terminal equipment is in communication connection with the third-party server and is used for sending a payment instruction to the third-party server; the third-party server is used for managing the personal account of the user, receiving and responding to the payment instruction sent by the first terminal equipment and paying out the preset amount of money from the personal account; the cloud server is in communication connection with the third-party server and comprises at least one electronic wallet which is used for receiving and pre-storing money paid by the third-party server; the load equipment is in communication connection with the cloud server and is used for receiving a load instruction and loading part or all of money in the electronic wallet to the campus card; the campus card is used for card swiping consumption in a campus. The campus card management system is convenient for parents to timely and reasonably support the living expenses for students, and can effectively solve the problem that the students are easy to lose cash when carrying the cash.
Description
Technical Field
The invention relates to the technical field of intelligent campus management, in particular to a campus card management system.
Background
The campus card is a special IC card (including contact IC and non-contact IC) or magnetic card issued by colleges and universities in China for the convenience of students and their management. The water card type dining table mainly enables students to take meals in dining halls, some students can shop in supermarkets, and other students can take water as water cards, and different schools stipulate the use range according to different conditions of the schools, but all the students need to use the water card type dining table in the schools.
In a smart campus, a student consumption behavior is a behavior which is most closely related to daily life of students and has the highest use frequency, wherein campus card recharging is the most painful work for schools, parents and students; at present, the original method is that parents give cash to students, and the students bring the cash back to school to charge the school management department, so that several problems are caused: it is unsafe for students to bring too much cash; queuing is easy to occur when recharging is carried out in a campus management department; when a student's campus card is out of money, parents cannot timely and reasonably give the student a certain amount of cash.
Disclosure of Invention
In order to solve at least one of the above technical problems, the present invention provides a campus card management system, including: the system comprises a first terminal device, a third-party server, a cloud server, a load device and a campus card;
the first terminal device is in communication connection with the third-party server and is used for sending a payment instruction to the third-party server;
the third-party server is used for managing the personal account of the user, receiving and responding to the payment instruction sent by the first terminal equipment and paying out the preset amount of money from the personal account;
the cloud server is in communication connection with the third-party server and comprises at least one electronic wallet which is used for receiving and prestoring the amount paid out by the third-party server;
the earmark device is in communication connection with the cloud server and is used for receiving an earmark instruction and earmark part or all of money in the electronic wallet to the campus card;
the campus card is used for card swiping consumption in a campus.
Further, the campus card management system further comprises a second terminal device, the second terminal device establishes a binding relationship with the corresponding campus card, when the corresponding campus card is used for consumption, the second terminal device confirms whether the consumption is successful, and if the consumption is successful, the corresponding campus card is allowed to be swiped for corresponding money according to the consumption condition; and if the consumption is confirmed to fail, the corresponding amount of money is refused to be swiped from the corresponding campus card according to the consumption condition.
Further, the first terminal device is in communication connection with the second terminal device, the first terminal device and the second terminal device are in communication connection with the cloud server respectively, the first terminal device includes a first security chip, the second terminal device includes a second security chip, the first security chip prestores a first electronic certificate of the first terminal device, the second security chip prestores a second electronic certificate of the second terminal device, the first security chip and the second security chip perform bidirectional identity authentication and key agreement by combining the first electronic certificate and the second electronic certificate, and generate a shared key, the first terminal device encrypts and stores a corresponding electronic wallet in the cloud server by using the shared key, and when the electronic wallet is to be loaded, the cloud server sends a request for unpacking the corresponding electronic wallet to the second terminal device, and the second terminal equipment responds to the request and decapsulates the corresponding electronic wallet by adopting the shared secret key.
Further, a load rule corresponding to the electronic wallet is set to the cloud server through the first terminal device;
the earmark rule is characterized in that: setting an upper limit amount of money allowed to be earmarked in a preset time period, receiving an earmarked instruction of the earmarked equipment, accumulating the earmarked amount of money and the total earmarked amount of the historical earmarked amount of money in the preset time period, allowing the earmarked amount of money if the total earmarked amount of money is less than or equal to the upper limit amount of money, and refusing the earmarked amount of money if the total earmarked amount of money is greater than the upper limit amount of money; or
And setting a fixed amount of the load in a preset time period, setting a starting time node of the load, receiving a load instruction of the load equipment after the starting time node, and loading the fixed amount to a corresponding campus card at one time.
Further, before a load rule is formulated, the cloud server collects historical average consumption standards of all users in the campus, feeds the historical average consumption standards back to the first terminal device, and sets the load rule of the corresponding electronic wallet in the cloud server according to the historical average consumption standards by the first terminal device; or
Before a load rule is formulated, the cloud server collects historical average consumption standards of all boy users in a campus, feeds the historical average consumption standards of the boy users back to the first terminal device, and sets the load rule corresponding to the electronic wallet in the cloud server according to the historical average consumption standards of all the boy users by the first terminal device; or
Before a load rule is formulated, the cloud server collects historical average consumption standards of all girl users in a campus, feeds the historical average consumption standards of the girl users back to the first terminal device, and sets the load rule of a corresponding electronic wallet in the cloud server according to the historical average consumption standards of all the girl users by the first terminal device; or
Before a load rule is formulated, the cloud server collects historical average consumption standards of all users in a preset grade, the historical average consumption standards of all users in the preset grade are fed back to the first terminal device, and the load rule corresponding to the electronic wallet in the cloud server is set by the first terminal device according to the historical average consumption standards of all users in the preset grade.
Further, the campus card management system further comprises a card swiping device, wherein the card swiping device is communicated with the campus card near end and swipes the corresponding amount in the campus card according to the consumption condition of the user.
Further, the card swiping device is in communication connection with the cloud server, when the remaining amount of money in the campus card is smaller than the amount of money pre-swiped by the card swiping device, the card swiping device inquires the amount of money not earned by the corresponding electronic wallet in the cloud server, and when the sum of the amount of money not earned by the card and the remaining amount of money of the campus card is larger than the amount of money pre-swiped by the card swiping device, the card swiping device is allowed to swipe the amount of money corresponding to the campus card according to the consumption condition of the user, and the campus card is recorded as an owing state.
Further, the cloud server calculates credit conditions of each campus card user and prestores the credit conditions, when the sum of the un-eared sum and the residual sum of the campus cards is smaller than the sum of the un-eared sum and the residual sum of the campus cards, which is pre-swiped by the card swiping equipment, the cloud server inquires credit values of the campus card users, and if the credit values of the campus card users are larger than or equal to a preset threshold value, the card swiping equipment is allowed to swipe corresponding sum of the campus cards according to consumption conditions of the users, and the campus cards are recorded to be in an owing state; and if the credit value of the campus card user is smaller than a preset threshold value, the card swiping equipment is refused to swipe the corresponding amount of money in the campus card according to the consumption condition of the user.
Furthermore, the first terminal device, the electronic purse and the campus card are all multiple and in one-to-one correspondence with one another.
Further, the first terminal device, the electronic wallet, the campus card are all a plurality of, the first terminal device corresponds to the electronic wallet one to one, one of the electronic wallets corresponds to at least two campus cards, the amount of the upper limit money that can be earmarked within a preset period for each of the at least two campus cards is the same, or the amount of the upper limit money that can be earmarked within a preset period for each of the at least two campus cards is different, or the amount of the upper limit money that can be earmarked within a preset period for one of the at least two campus cards is the same, and the amount of the upper limit money that can be earmarked within a preset period for the other campus card is different.
Based on above-mentioned campus card management system, the head of a family can deposit money in the corresponding electronic wallet in cloud server every year, every school date or every quarter, replaces the head of a family by cloud server to keep and manage the distribution of student's later life expense, can avoid influencing student's normal life because the head of a family fails in time to provide the life expense for the student, also can solve the unreasonable phenomenon of head of a family's expense student's life expense simultaneously.
For students, the students do not need to frequently ask parents for the living expenses, when the balance of the campus card is insufficient, the students only need to transfer the money amount in the electronic purse to the campus card, and in the whole process, the students cannot contact any cash, so that the phenomenon of cash loss is avoided.
Additional aspects and advantages of the invention will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the invention.
Drawings
Fig. 1 is a block diagram of a campus card management system according to a first embodiment of the present invention;
fig. 2 is a block diagram of a campus card management system according to a second embodiment of the present invention;
fig. 3 is a block diagram of a campus card management system according to a third embodiment of the present invention.
Detailed Description
In order that the above objects, features and advantages of the present invention can be more clearly understood, a more particular description of the invention will be rendered by reference to the appended drawings. It should be noted that the embodiments and features of the embodiments of the present application may be combined with each other without conflict.
In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present invention, however, the present invention may be practiced in other ways than those specifically described herein, and therefore the scope of the present invention is not limited by the specific embodiments disclosed below.
Fig. 1 is a block diagram illustrating a campus card management system according to a first embodiment of the present invention.
As shown in fig. 1, the present invention provides a campus card management system, which includes: the system comprises a first terminal device, a third-party server, a cloud server, a load device and a campus card;
the first terminal device is in communication connection with the third-party server and is used for sending a payment instruction to the third-party server;
the third-party server is used for managing the personal account of the user, receiving and responding to the payment instruction sent by the first terminal equipment and paying out the preset amount of money from the personal account;
the cloud server is in communication connection with the third-party server and comprises at least one electronic wallet which is used for receiving and prestoring the amount paid out by the third-party server;
the earmark device is in communication connection with the cloud server and is used for receiving an earmark instruction and earmark part or all of money in the electronic wallet to the campus card;
the campus card is used for card swiping consumption in a campus.
It should be noted that the first terminal device may be a mobile phone, an IPAD, a PC, or the like, and the third-party server may be a server of a bank institution, a financial and financial payment server, a payment server, or the like. Different servers can be adapted to the requirements of different users by setting the different servers, the users can be understood as parents of students, and the examples that the parents provide the living fees for the students are described as follows:
the cloud server comprises electronic wallets corresponding to all campus cards of schools, parents can send payment instructions to the third-party server through the first terminal equipment, the third-party server responds to the payment instructions and recharges the preset money amount in the individual account of the parents to the corresponding electronic wallets in the cloud server, students can earn money through the campus recharging center or the automatic counter machine, and draw partial money amount or all money amount in the electronic wallets to the campus cards of the students, and then the students consume the money through the campus cards.
In practical application, a binding relationship between an electronic wallet and the identity of a parent is established in a cloud server, when a captain selects the electronic wallet needing recharging in the cloud server, the cloud server needs to authenticate the identity of the parent and judge whether the identity of the parent is the same as the identity of the parent with the binding relationship with the selected electronic wallet; if the two are the same, the parent is allowed to charge the electronic wallet, and if the two are not the same, the parent is refused to charge the electronic wallet. The identity authentication is carried out on the parents in advance before the electronic wallet is recharged, so that the phenomenon that the parents mistakenly recharge the electronic wallet is prevented, and the safety factor is further improved.
As shown in fig. 2, the campus card management system further includes a second terminal device, where the second terminal device establishes a binding relationship with the corresponding campus card, and when consuming using the corresponding campus card, the second terminal device determines whether the consumption is successful, and if the consumption is successful, allows the corresponding campus card to be swiped for a corresponding amount according to the consumption condition; and if the consumption is confirmed to fail, the corresponding amount of money is refused to be swiped from the corresponding campus card according to the consumption condition.
It should be noted that the second terminal device may be a mobile phone, an IPAD, a PC, or the like, and the second terminal device may be carried by a student. Through with second terminal equipment and the campus card that corresponds establish binding relationship, even the campus card loses, other people pick up the campus card and consume, nevertheless because needs second terminal equipment confirms, consequently other people also can't use and pick up the normal consumption of campus card, has further promoted the factor of safety of campus card.
Furthermore, by establishing a binding relationship between the second terminal device (such as a mobile phone) and the corresponding campus card, when the campus card is insufficient in balance, the second terminal device can communicate with the mobile phone in near field wireless communication modes such as NFC and the like, and can pay by means of electronic card packages such as a WeChat wallet, a Paibao wallet and the like of the mobile phone, so that the phenomenon that the consumption cannot be normally carried out due to the insufficient balance of the campus card is avoided, and the convenience of the consumption of students is improved.
Further, the first terminal device is in communication connection with the second terminal device, the first terminal device and the second terminal device are in communication connection with the cloud server respectively, the first terminal device includes a first security chip, the second terminal device includes a second security chip, the first security chip prestores a first electronic certificate of the first terminal device, the second security chip prestores a second electronic certificate of the second terminal device, the first security chip and the second security chip perform bidirectional identity authentication and key agreement by combining the first electronic certificate and the second electronic certificate, and generate a shared key, the first terminal device encrypts and stores a corresponding electronic wallet in the cloud server by using the shared key, and when the electronic wallet is to be loaded, the cloud server sends a request for unpacking the corresponding electronic wallet to the second terminal device, and the second terminal equipment responds to the request and decapsulates the corresponding electronic wallet by adopting the shared secret key.
It should be noted that, after the parents finish charging the corresponding electronic wallet with the first terminal device, the parents seal the electronic wallet with the shared key generated by key agreement with the second terminal device, and after sealing, if the students want to load part of the money amount of the electronic wallet onto their campus cards, the students need to unseal the electronic wallet first, and when unsealing, the correct shared key needs to be used for successful unsealing, and if unsuccessful, the electronic wallet fails to be loaded, and the load device cannot load the money amount in the electronic wallet onto the campus cards. According to the invention, the electronic wallet is sealed by the secret key, even if other people illegally control or crack the load equipment, the electronic wallet cannot be unsealed due to the absence of the correct shared secret key, so that the phenomenon that other people illegally control or crack the load equipment and then use the load equipment to carry out illegal load is effectively avoided, and the safety coefficient of load is further improved.
According to the embodiment of the invention, a load rule corresponding to the electronic wallet is set to the cloud server through the first terminal device;
the earmark rule is characterized in that: setting an upper limit amount of money allowed to be earmarked in a preset time period, receiving an earmarked instruction of the earmarked equipment, accumulating the earmarked amount of money and the total earmarked amount of the historical earmarked amount of money in the preset time period, allowing the earmarked amount of money if the total earmarked amount of money is less than or equal to the upper limit amount of money, and refusing the earmarked amount of money if the total earmarked amount of money is greater than the upper limit amount of money; or
And setting a fixed amount of the load in a preset time period, setting a starting time node of the load, receiving a load instruction of the load equipment after the starting time node, and loading the fixed amount to a corresponding campus card at one time.
Further, before a load rule is formulated, the cloud server collects historical average consumption standards of all users in the campus, feeds the historical average consumption standards back to the first terminal device, and sets the load rule of the corresponding electronic wallet in the cloud server according to the historical average consumption standards by the first terminal device; or
Before a load rule is formulated, the cloud server collects historical average consumption standards of all boy users in a campus, feeds the historical average consumption standards of the boy users back to the first terminal device, and sets the load rule corresponding to the electronic wallet in the cloud server according to the historical average consumption standards of all the boy users by the first terminal device; or
Before a load rule is formulated, the cloud server collects historical average consumption standards of all girl users in a campus, feeds the historical average consumption standards of the girl users back to the first terminal device, and sets the load rule of a corresponding electronic wallet in the cloud server according to the historical average consumption standards of all the girl users by the first terminal device; or
Before a load rule is formulated, the cloud server collects historical average consumption standards of all users in a preset grade, the historical average consumption standards of all users in the preset grade are fed back to the first terminal device, and the load rule corresponding to the electronic wallet in the cloud server is set by the first terminal device according to the historical average consumption standards of all users in the preset grade.
It should be noted that the load equipment may be a PC in the load center, or may be an automatic load machine. But is not limited thereto. When the transfer is carried out, students carry the campus card to a transfer center or an automatic transfer machine for transfer, the amount of the transfer can be set by parents in a self-defined way, and the upper limit value can also be set in a preset period, for example, the transfer is only allowed to be 1000 yuan in one month; the cloud server may automatically load a fixed amount of money to the corresponding campus card according to a predetermined period, for example, the cloud server may automatically load a fixed amount of money (e.g., 1000 yuan) in the electronic wallet to the corresponding campus card every month according to a parent's requirement.
Before the parents set the earmark upper limit in a self-defined manner, the cloud server can collect the historical average consumption standard and push the average consumption standard to the parents, so that the parents can conveniently set the earmark upper limit of the students by referring to the historical average consumption standard; the cloud server can also collect historical average consumption standards of historical boys/girls, so that parents can conveniently set the earmark upper limit of the students according to the historical average consumption standards of the boys/girls; the cloud server can also collect the historical average consumption standard of the students in a preset grade (such as grade one), so that parents can conveniently set the earning upper limit of the students according to the grade condition of the students and by referring to the historical average consumption standard of the students in the grade.
As shown in fig. 3, the campus card management system further includes a card swiping device, where the card swiping device communicates with the campus card near end and swipes the corresponding amount of money in the campus card according to the consumption condition of the user.
Further, the card swiping device is in communication connection with the cloud server, when the remaining amount of money in the campus card is smaller than the amount of money pre-swiped by the card swiping device, the card swiping device inquires the amount of money not earned by the corresponding electronic wallet in the cloud server, and when the sum of the amount of money not earned by the card and the remaining amount of money of the campus card is larger than the amount of money pre-swiped by the card swiping device, the card swiping device is allowed to swipe the amount of money corresponding to the campus card according to the consumption condition of the user, and the campus card is recorded as an owing state.
It should be noted that a plurality of card swiping devices may be provided, the plurality of card swiping devices are in communication connection with the cloud server, and the cloud server stores a card swiping record table of each card swiping device. After the card swiping equipment swipes the corresponding amount of money from the campus card, the cloud server records the corresponding amount of money in a card swiping record table of the card swiping equipment so as to bring convenience to cash withdrawal at a later stage.
When the campus card is in an arrearage state, the amount of the campus card arrearage is recorded. And when the student carries out the load on the campus card next time, the amount of the arrearage can be deducted from the amount of the load. For students, even if the balance of the campus card is insufficient, the consumption state cannot be influenced, and the consumption experience of the students is enhanced; for the manager, even if the campus card has a defaulting phenomenon, the amount of money which is not earmarked in the electronic wallet can be used as a guarantee, and the risk of economic loss of the manager is avoided.
Further, the cloud server calculates credit conditions of each campus card user and prestores the credit conditions, when the sum of the un-eared sum and the residual sum of the campus cards is smaller than the sum of the un-eared sum and the residual sum of the campus cards, which is pre-swiped by the card swiping equipment, the cloud server inquires credit values of the campus card users, and if the credit values of the campus card users are larger than or equal to a preset threshold value, the card swiping equipment is allowed to swipe corresponding sum of the campus cards according to consumption conditions of the users, and the campus cards are recorded to be in an owing state; and if the credit value of the campus card user is smaller than a preset threshold value, the card swiping equipment is refused to swipe the corresponding amount of money in the campus card according to the consumption condition of the user.
In practical application, when a student uses a campus card for consumption, if the balance of the campus card is insufficient and the sum of the un-eared amount and the balance of the campus card is less than the amount of money pre-swiped by the card swiping device, at the moment, the card swiping device can identify the identity of the campus card and acquire the credit value of the identity from the cloud server, and if the credit value reaches a preset threshold value, the campus card can be allowed to be used for defaulting. However, if the arrear consumption reaches a preset threshold, such as arrear 50, then continued arrear consumption is denied. It is understood that the credit values of different students are different, and corresponding defaulting upper limits can be set for different credit values.
When a student is buying a meal, if the campus card is out of money, the student can buy the meal after the campus card is charged with money, and a large number of people are likely to queue up for recharging at a recharging center, so that the eating efficiency of the student is affected. Through the arrearage consumption mode, the credit of the students is used as the guarantee of the arrearage consumption, and the consumption efficiency can be effectively improved.
According to the embodiment of the invention, the first terminal equipment, the electronic purse and the campus card are all multiple and correspond to one another one by one.
According to another embodiment of the present invention, the number of the first terminal devices, the electronic wallets and the campus cards is multiple, the first terminal devices correspond to the electronic wallets one by one, one of the electronic wallets corresponds to at least two campus cards, and the amount of the upper limit money that can be earmarked in a preset period for each of the at least two campus cards is the same, or the amount of the upper limit money that can be earmarked in the preset period for each of the at least two campus cards is different, or the amount of the upper limit money that can be earmarked in the preset period for one of the at least two campus cards is the same, and the amount of the upper limit money that can be earmarked in the preset period for the other of the at least two campus cards is different.
It should be noted that one electronic wallet may correspond to a plurality of campus cards, for example, if some parents have two students, and two students have two campus cards, each campus card may earn money from one electronic wallet, the earning upper limit money of the two campus cards in a predetermined period may be set to be the same (for example, both are 1000), or the earning upper limit money of the two campus cards in a predetermined period may be set to be different (for example, one is 1000, and the other is 800).
Based on above-mentioned campus card management system, the head of a family can deposit money in the corresponding electronic wallet in cloud server every year, every school date or every quarter, replaces the head of a family by cloud server to keep and manage the distribution of student's later life expense, can avoid influencing student's normal life because the head of a family fails in time to provide the life expense for the student, also can solve the unreasonable phenomenon of head of a family's expense student's life expense simultaneously.
For students, the students do not need to frequently ask parents for the living expenses, when the balance of the campus card is insufficient, the students only need to transfer the money amount in the electronic purse to the campus card, and in the whole process, the students cannot contact any cash, so that the phenomenon of cash loss is avoided.
In the several embodiments provided in the present application, it should be understood that the disclosed apparatus may be implemented in other ways. The above-described device embodiments are merely illustrative, for example, the division of the unit is only a logical functional division, and there may be other division ways in actual implementation, such as: multiple units or components may be combined, or may be integrated into another system, or some features may be omitted, or not implemented. In addition, the coupling, direct coupling or communication connection between the components shown or discussed may be through some interfaces, and the indirect coupling or communication connection between the devices or units may be electrical, mechanical or other forms.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units; can be located in one place or distributed on a plurality of network units; some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, all the functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may be separately regarded as one unit, or two or more units may be integrated into one unit; the integrated unit can be realized in a form of hardware, or in a form of hardware plus a software functional unit.
The above description is only for the specific embodiments of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present invention, and all the changes or substitutions should be covered within the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the appended claims.
Claims (10)
1. A campus card management system, comprising: the system comprises a first terminal device, a third-party server, a cloud server, a load device and a campus card;
the first terminal device is in communication connection with the third-party server and is used for sending a payment instruction to the third-party server;
the third-party server is used for managing the personal account of the user, receiving and responding to the payment instruction sent by the first terminal equipment and paying out the preset amount of money from the personal account;
the cloud server is in communication connection with the third-party server and comprises at least one electronic wallet which is used for receiving and prestoring the amount paid out by the third-party server;
the earmark device is in communication connection with the cloud server and is used for receiving an earmark instruction and earmark part or all of money in the electronic wallet to the campus card;
the campus card is used for card swiping consumption in a campus.
2. The campus card management system according to claim 1, wherein the campus card management system further comprises a second terminal device, the second terminal device establishes a binding relationship with a corresponding campus card, when consuming using the corresponding campus card, the second terminal device confirms whether the consumption is successful, and if the consumption is successful, the second terminal device allows a corresponding amount of money to be swiped from the corresponding campus card according to the consumption condition; and if the consumption is confirmed to fail, the corresponding amount of money is refused to be swiped from the corresponding campus card according to the consumption condition.
3. The campus card management system according to claim 2, wherein the first terminal device is communicatively connected to the second terminal device, the first terminal device and the second terminal device are communicatively connected to the cloud server, respectively, the first terminal device includes a first security chip, the second terminal device includes a second security chip, the first security chip pre-stores a first electronic certificate of the first terminal device, the second security chip pre-stores a second electronic certificate of the second terminal device, and in combination with the first electronic certificate and the second electronic certificate, the first security chip and the second security chip perform bidirectional identity authentication and key agreement to generate a shared key, and the first terminal device encrypts and stores a corresponding wallet in the cloud server using the shared key, and when the electronic purse is to be loaded, the cloud server sends a request for unsealing the corresponding electronic purse to the second terminal equipment, and the second terminal equipment responds to the request and adopts the shared secret key to unseal the corresponding electronic purse.
4. The campus card management system of claim 1, wherein earmark rules corresponding to the electronic wallet are set to the cloud server through the first terminal device;
the earmark rule is characterized in that: setting an upper limit amount of money allowed to be earmarked in a preset time period, receiving an earmarked instruction of the earmarked equipment, accumulating the earmarked amount of money and the total earmarked amount of the historical earmarked amount of money in the preset time period, allowing the earmarked amount of money if the total earmarked amount of money is less than or equal to the upper limit amount of money, and refusing the earmarked amount of money if the total earmarked amount of money is greater than the upper limit amount of money; or
And setting a fixed amount of the load in a preset time period, setting a starting time node of the load, receiving a load instruction of the load equipment after the starting time node, and loading the fixed amount to a corresponding campus card at one time.
5. The campus card management system according to claim 4, wherein before the loading rule is defined, the cloud server collects historical average consumption standards of all users in the campus and feeds the historical average consumption standards back to the first terminal device, and the loading rule corresponding to the electronic wallet in the cloud server is set by the first terminal device according to the historical average consumption standards; or
Before a load rule is formulated, the cloud server collects historical average consumption standards of all boy users in a campus, feeds the historical average consumption standards of the boy users back to the first terminal device, and sets the load rule corresponding to the electronic wallet in the cloud server according to the historical average consumption standards of all the boy users by the first terminal device; or
Before a load rule is formulated, the cloud server collects historical average consumption standards of all girl users in a campus, feeds the historical average consumption standards of the girl users back to the first terminal device, and sets the load rule of a corresponding electronic wallet in the cloud server according to the historical average consumption standards of all the girl users by the first terminal device; or
Before a load rule is formulated, the cloud server collects historical average consumption standards of all users in a preset grade, the historical average consumption standards of all users in the preset grade are fed back to the first terminal device, and the load rule corresponding to the electronic wallet in the cloud server is set by the first terminal device according to the historical average consumption standards of all users in the preset grade.
6. The campus card management system of claim 1, further comprising a card swiping device, wherein the card swiping device communicates with the campus card near end and swipes a corresponding amount of money in the campus card according to a consumption situation of a user.
7. The campus card management system of claim 6, wherein the card swiping device is communicatively connected to the cloud server, when the remaining amount of money in the campus card is less than the amount of money pre-swiped by the card swiping device, the card swiping device queries the un-eared amount of money of a corresponding electronic wallet in the cloud server, and when the sum of the un-eared amount of money and the remaining amount of money of the campus card is greater than the amount of money pre-swiped by the card swiping device, the card swiping device is allowed to swipe the amount of money corresponding to the campus card according to the consumption condition of a user, and the campus card is recorded as an owing state.
8. The campus card management system of claim 7, wherein the cloud server calculates and prestores credit conditions of each campus card user, when the sum of the un-eared sum and the remaining sum of the campus card is less than the sum of the un-eared sum and the remaining sum of the campus card to be swiped by the swiping device, the cloud server queries the credit value of the campus card user, and if the credit value of the campus card user is greater than or equal to a preset threshold value, the swiping device is allowed to swipe the corresponding sum of the campus card according to the consumption conditions of the user, and the campus card is recorded as an owing state; and if the credit value of the campus card user is smaller than a preset threshold value, the card swiping equipment is refused to swipe the corresponding amount of money in the campus card according to the consumption condition of the user.
9. The campus card management system of claim 1, wherein said first terminal device, said electronic wallet, and said campus card are all plural and in a one-to-one correspondence relationship.
10. The campus card management system according to claim 1, wherein the first terminal device, the electronic wallets, and the campus cards are all plural, the first terminal device corresponds to the electronic wallets one to one, one of the electronic wallets corresponds to at least two campus cards, each of the at least two campus cards has a same upper limit amount that can be earmarked in a preset period, or each of the at least two campus cards has a different upper limit amount that can be earmarked in a preset period, or one of the at least two campus cards has a same upper limit amount that can be earmarked in a preset period, and the other campus card has a different upper limit amount that can be earmarked in a preset period.
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| CN201910977434.XA CN111091359A (en) | 2019-10-15 | 2019-10-15 | Campus card management system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201910977434.XA CN111091359A (en) | 2019-10-15 | 2019-10-15 | Campus card management system |
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| CN111091359A true CN111091359A (en) | 2020-05-01 |
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