The invention discloses a virtual campus card system, including associated systems, card system, application system, User Platforms and Users, the associated system comprises a bank, WeChat and Alipay, the card comprises a settlement platform, central control platform, open platform, basic management modules and message centers, this system core solves the campus payment demand. Through the Internet, mobile phone APP to achieve online payment, online payment, and for school administrators to establish payment, list management, online reconciliation, report printing and other management functions, to solve the payment of difficult, cash insecurity, to solve the problem of a large number of manual collection, reconciliation and other heavy work of the toll collectors. This system also solvesthe needs of students from enrollment to graduation. It is a brand-new campus application that integrates learning, life, making friends, entertainment, shopping, employment and other services, and improves the level of campus information construction. The invention facilitates users to understand the system functions and processes intuitively.