Campus card payment management system and payment method

Abstract

The invention discloses a campus card payment management system and payment method, the system comprises a balance payment module, an overdraft payment module and an overdraft repayment module, the balance payment module is used for receiving recharging information and payment information, calculating the total payment number according to the payment information, and managing the balance information of a campus card; the overdraft payment module is used for calling balance information and payment information, calculating the total overdraft number according to the balance information and the payment information and managing overdraft limit information, and the overdraft repayment module is used for calling the balance information and the total overdraft number and calculating the total repayment number according to the balance information and the total overdraft number. By setting the overdraft limit, the campus card can perform overdraft payment, and when the balance of the campus card is insufficient, consumption can be performed without recharging, so that the campus card is convenient to use, the payment efficiency is improved, and the payment burden of the campus user can be relieved.

Description

Technical Field

[0001] The present invention relates to the technical field of campus card payment management, and in particular to a campus card payment management system and a payment method. Background Art

[0002] Campus card refers to a special IC card (contact IC and contactless IC) or magnetic card issued by colleges and universities in my country for the convenience of student and teacher management. It is mainly used for students or teachers to get food in the canteen, some can be used for shopping in supermarkets, and some can be used as water cards to get water. Different schools have different regulations on the scope of use according to their own situations, but they must be used within the school.

[0003] At present, the conventional payment method of campus cards is to first recharge a certain amount of money into the campus card, and then pay for consumption after the campus card has a certain balance. Since the campus card cannot check the balance in real time, it is easy for students or teachers to continue to consume when there is no balance or a low balance on the campus card and they cannot pay, which brings great inconvenience, not only low payment efficiency, but also increases the payment burden of users. Summary of the invention

[0004] The purpose of the present invention is to provide a campus card payment management system and a payment method to solve the above-mentioned problems. By setting an overdraft limit, the campus card can be used for overdraft payment. When the balance of the campus card is insufficient, it is not necessary to recharge before making further consumption. This is convenient for campus users to use, improves payment efficiency, and can alleviate the psychological burden of campus users in payment.

[0005] In order to achieve the above-mentioned invention object, the technical solution adopted by the present invention is as follows:

[0006] According to one aspect of the present invention, a campus card payment management system and payment method are provided, including a balance payment module, an overdraft payment module and an overdraft repayment module;

[0007] The balance payment module is used to receive recharge information and payment information, calculate the payment total according to the payment information, and manage the balance information of the campus card;

[0008] The overdraft payment module is used to retrieve the balance information and the payment information, calculate the total overdraft amount according to the balance information and the payment information, and manage the overdraft limit information;

[0009] The overdraft repayment module is used to retrieve the balance information and the total overdraft amount, and calculate the total repaid amount based on the balance information and the total overdraft amount.

[0010] Preferably, the balance payment module includes a recharge information receiving unit, a payment information receiving unit and a balance management unit;

[0011] The recharge information receiving unit is used to receive recharge data; the payment information receiving unit is used to receive payment data; and the balance management unit is used to increase the campus card balance data according to the recharge data or reduce the campus card balance data according to the payment data.

[0012] Preferably, the overdraft payment module includes a first information retrieval unit, an overdraft calculation unit and an overdraft limit management unit;

[0013] The first information retrieving unit is used to retrieve the payment data and the balance data; the overdraft calculation unit calculates the overdraft data according to the payment data and the balance data; and the overdraft limit management unit reduces the overdraft limit according to the overdraft data.

[0014] Preferably, the overdraft limit management unit includes a limit limit management unit and a disposable limit management unit, the limit limit management unit is used to increase or decrease the limit limit data; the disposable limit management unit reduces the disposable limit according to the overdraft data.

[0015] Preferably, the quota upper limit management unit includes a teacher quota upper limit management unit and a student quota upper limit management unit;

[0016] The teacher quota upper limit management unit includes a teacher standard quota subunit, a professional title information acquisition subunit and a first excess calculation subunit. The teacher standard quota subunit is used to manage the standard overdraft quota of the teacher campus card; the professional title information acquisition subunit is used to obtain the professional title information of the teacher; the first excess calculation subunit is used to retrieve the professional title information and calculate the overdraft quota value that can be increased according to the professional title information;

[0017] The student credit limit management unit includes a student standard credit limit subunit, a staged score ranking acquisition subunit and a second excess calculation subunit. The student standard credit limit subunit is used to manage the standard overdraft credit limit of the student campus card; the staged score ranking acquisition subunit is used to obtain student ranking information; the second excess calculation subunit is used to retrieve the student ranking information and calculate the overdraft credit limit value that can be increased based on the student ranking information.

[0018] Preferably, the overdraft repayment module includes a second information retrieval unit, a repayment management unit and a repayment reminder unit;

[0019] The second information retrieval unit is used to retrieve balance data and overdraft data; the repayment management unit settles the outstanding amount based on the balance data and the overdraft data; and the repayment reminder unit is used to remind the user to pay attention to the repayment deadline.

[0020] Preferably, the repayment reminder unit includes a term calculation subunit, a client binding subunit and a repayment information sending subunit;

[0021] The term calculation subunit is used to calculate the repayment term; the client binding subunit is used to bind the campus card to the user terminal; the repayment information sending subunit is used to retrieve the repayment term and send the repayment information to the user terminal.

[0022] Preferably, a campus card payment method comprises:

[0023] Obtain campus card balance information and payment information, where balance information includes the total balance and payment information includes the total payment amount;

[0024] If the total balance is less than the total payment, the overdraft disposable credit information is obtained, and the overdraft disposable credit information includes the total disposable credit;

[0025] If the total amount of overdraft disposable credit is greater than the difference between the total amount of payments and the total balance, payment will be made using the total amount of overdraft disposable credit. If the total amount of overdraft disposable credit is less than the difference between the total amount of payments and the total balance, payment cannot be made.

[0026] In summary, due to the adoption of the above technical solution, the beneficial effects of the present invention are:

[0027] The present invention sets an overdraft limit, so that when there is no balance in the campus card, the campus card can be used for overdraft payment, and no recharge is required before consumption, which is convenient for campus users to use, improves payment efficiency, and can alleviate the psychological burden of campus users. BRIEF DESCRIPTION OF THE DRAWINGS

[0028] Figure 1 It is the overall structural diagram of the present invention;

[0029] Figure 2 is a structural block diagram of the balance payment module of the present invention;

[0030] Figure 3 It is a structural block diagram of the overdraft payment module of the present invention;

[0031] Figure 4 It is a structural block diagram of the overdraft management unit of the present invention;

[0032] Figure 5 It is a structural block diagram of the overdraft repayment module of the present invention;

[0033] Figure 6 It is a structural block diagram of the repayment reminder unit of the present invention. DETAILED DESCRIPTION

[0034] In order to make the purpose, technical solution and advantages of the present invention more clearly understood, the present invention is further described in detail below with reference to the accompanying drawings and preferred embodiments. However, it should be noted that many details listed in the specification are only for the purpose of enabling the reader to have a thorough understanding of one or more aspects of the invention, and these aspects of the present invention can be realized even without these specific details.

[0035] See also Figures 1 to 6 The present invention provides a campus card payment management system and a payment method, and the technical solution is as follows:

[0036] A campus card payment management system and payment method, including a balance payment module, an overdraft payment module and an overdraft repayment module. The balance payment module is used to receive recharge information and payment information, calculate the total payment amount according to the payment information, and manage the balance information of the campus card. Specifically, the balance payment module includes a recharge information receiving unit, a payment information receiving unit and a balance management unit. The recharge information receiving unit is used to receive recharge data. When the balance of the campus card is insufficient, the recharge information is sent by manual typing or online sending of the user end. After receiving the recharge data, the recharge information receiving unit feeds back the recharge information to the balance management unit, and the balance management unit adds the recharge data to the balance data of the campus card according to the recharge data. The payment information receiving unit is used to receive payment data. The balance management unit deducts the balance data of the campus card according to the amount of the payment data. If the payment data is less than the balance data, the balance data is directly deducted; if the payment data is greater than the balance data, the overdraft payment module is used for collaborative payment.

[0037] The overdraft payment module is used to retrieve the balance information and the payment information, calculate the total overdraft based on the balance information and the payment information, and manage the overdraft limit information. Specifically, the overdraft payment module includes a first information retrieval unit, an overdraft calculation unit, and an overdraft limit management unit. The first information retrieval unit is used to retrieve payment data and balance data. The payment data and balance data obtained by the balance payment module are retrieved by the first information retrieval unit, and the payment data and balance data are transmitted to the overdraft calculation unit. The overdraft calculation unit calculates the overdraft data based on the payment data and the balance data. The overdraft data is the difference between the payment data and the balance data, that is, the overdraft data can be obtained by subtracting the balance data from the payment data. The overdraft data is transmitted to the overdraft limit management unit.

[0038] The overdraft limit management unit includes a limit limit management unit and a disposable limit management unit, and the limit limit management unit is used to increase or decrease the limit limit data. Specifically, the limit limit management unit includes a teacher limit limit management unit and a student limit limit management unit. The teacher limit limit management unit includes a teacher standard limit subunit, a professional title information acquisition subunit and a first excess calculation subunit. The teacher standard limit subunit is used to manage the standard overdraft limit of the teacher campus card. The standard overdraft limit of all teachers in the school is the same, and the overdraft limit can be used for overdraft payment. The professional title information acquisition subunit is used to obtain the professional title information of the teacher, and the professional title information of the teacher includes third-level teachers, second-level teachers, first-level teachers, senior teachers and senior teachers. The professional title information acquisition subunit obtains the professional title grade information of the teacher in real time, and transmits the professional title grade information to the first excess calculation subunit. The first excess calculation subunit receives the professional title grade information and obtains the value of the overdraft limit that can be increased according to the grade-excess information table. In the Grade-Excess Information Table, for each promotion of a professional title, the overdraft limit value can be increased by 400. For example, the overdraft limit value corresponding to a grade-three teacher is 400, the overdraft limit value for a grade-two teacher is 800, the overdraft limit value for a grade-one teacher is 1200, the overdraft limit value for a senior teacher is 1600, and the overdraft limit value for a full senior teacher is 2000. The final limit for a teacher is the sum of the standard overdraft limit for teachers and the increased overdraft limit value.

[0039] The student credit limit management unit includes a student standard credit limit subunit, a staged score ranking acquisition subunit and a second excess calculation subunit. The student standard credit limit subunit is used to manage the standard overdraft credit limit of the student campus card. The standard overdraft credit limit for all students in the school is the same. The staged score ranking acquisition subunit is used to obtain student ranking information. The student ranking information includes the top 10 list, the 11-20 list, the 21-50 list and the 51-100 list. The staged score ranking acquisition subunit obtains the student ranking information table after the staged examination in real time, and transmits the student ranking information table to the second excess calculation subunit. The second excess calculation subunit receives the student ranking information and obtains the value of the overdraft limit that can be increased according to the ranking-excess information table. In the Ranking-Overdraft Information Table, each time a ranking level is raised, the overdraft limit value can be increased by 200. For example, the overdraft limit value of students ranked 51-100 is 200, the overdraft limit value of students ranked 21-50 is 400, the overdraft limit value of students ranked 11-20 is 600, and the overdraft limit value of students ranked 1-10 is 800. The final limit of the student's credit limit is the sum of the student's standard overdraft limit and the increased overdraft limit value.

[0040] The overdraft repayment module includes a second information retrieval unit, a repayment management unit and a repayment reminder unit. The second information retrieval unit is used to retrieve the balance data and overdraft data, and transmit the balance data and overdraft data to the repayment management unit. After receiving the balance data and overdraft data, the repayment management unit uses the balance data to offset the overdraft data. If the balance data cannot completely offset the overdraft data, some of the unoffset overdraft data will be retained after the balance is cleared. The repayment reminder unit is used to remind the user to pay attention to the repayment period. The repayment reminder unit includes a term calculation subunit, a client binding subunit and a repayment information sending subunit. The term calculation subunit is used to calculate the repayment period. The consumption time period is the current month, and the repayment date is any day of the next month. The user can select a certain date as the repayment date. The term calculation subunit calculates the repayment period based on the repayment date so that the user can check it. The client binding subunit is used to bind the campus card to the user terminal. The user terminal can be a portable mobile device such as a mobile phone, a tablet computer, etc. or an inconvenient smart device such as a desktop computer. The user end downloads the installation program and binds it to the campus card in the program. The repayment information sending subunit is used to retrieve the repayment period and send the repayment information to the user end. The repayment information includes the repayment period and the total amount to be repaid. The program on the user end receives the repayment information in real time and activates the calendar program on the user end to mark and provide reminders.

[0041] Based on the above system, the present invention also discloses a campus card payment method, including:

[0042] Obtain campus card balance information and payment information, where balance information includes the total balance and payment information includes the total payment amount;

[0043] If the total balance is less than the total payment, the overdraft disposable credit information is obtained, and the overdraft disposable credit information includes the total disposable credit;

[0044] If the total amount of overdraft disposable credit is greater than the difference between the total amount of payments and the total balance, payment will be made using the total amount of overdraft disposable credit. If the total amount of overdraft disposable credit is less than the difference between the total amount of payments and the total balance, payment cannot be made.

[0045] The above is only a preferred embodiment of the present invention. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principle of the present invention. These improvements and modifications should also be regarded as the scope of protection of the present invention.

Claims

1. A campus card payment management system, characterized in that: Including balance payment module, overdraft payment module and overdraft repayment module; The balance payment module is used to receive recharge information and payment information, calculate the payment total according to the payment information, and manage the balance information of the campus card; The overdraft payment module is used to retrieve the balance information and the payment information, calculate the total overdraft amount according to the balance information and the payment information, and manage the overdraft limit information; The overdraft repayment module is used to retrieve the balance information and the total overdraft amount, and calculate the total repaid amount based on the balance information and the total overdraft amount.

2. A campus card payment management system according to claim 1, characterized in that: The balance payment module includes a recharge information receiving unit, a payment information receiving unit and a balance management unit; The recharge information receiving unit is used to receive recharge data; the payment information receiving unit is used to receive payment data; and the balance management unit is used to increase the campus card balance data according to the recharge data or reduce the campus card balance data according to the payment data.

3. A campus card payment management system according to claim 1, characterized in that: The overdraft payment module includes a first information retrieval unit, an overdraft calculation unit and an overdraft limit management unit; The first information retrieving unit is used to retrieve the payment data and the balance data; the overdraft calculation unit calculates the overdraft data according to the payment data and the balance data; and the overdraft limit management unit reduces the overdraft limit according to the overdraft data.

4. A campus card payment management system according to claim 1, characterized in that: The overdraft limit management unit includes a limit upper limit management unit and a disposable limit management unit. The limit upper limit management unit is used to increase or decrease the limit upper limit data; the disposable limit management unit reduces the disposable limit according to the overdraft data.

5. A campus card payment management system according to claim 4, characterized in that: The quota upper limit management unit includes a teacher quota upper limit management unit and a student quota upper limit management unit; The teacher quota upper limit management unit includes a teacher standard quota subunit, a professional title information acquisition subunit and a first excess calculation subunit, wherein the teacher standard quota subunit is used to manage the standard overdraft quota of the teacher campus card; The professional title information acquisition subunit is used to acquire the professional title information of the teacher; the first overdraft calculation subunit is used to retrieve the professional title information and calculate the overdraft limit value that can be increased according to the professional title information; The student credit limit management unit includes a student standard credit limit subunit, a phased score ranking acquisition subunit, and a second excess calculation subunit. The student standard credit limit subunit is used to manage the standard overdraft credit limit of the student campus card; the phased score ranking acquisition subunit is used to acquire student ranking information; The second overdraft calculation subunit is used to retrieve the student ranking information and calculate the increaseable overdraft limit value according to the student ranking information.

6. A campus card payment management system according to claim 1, characterized in that: The overdraft repayment module includes a second information retrieval unit, a repayment management unit and a repayment reminder unit; The second information retrieval unit is used to retrieve balance data and overdraft data; the repayment management unit settles the outstanding amount based on the balance data and the overdraft data; and the repayment reminder unit is used to remind the user to pay attention to the repayment deadline.

7. A campus card payment management system according to claim 6, characterized in that: The repayment reminder unit includes a term calculation subunit, a client binding subunit and a repayment information sending subunit; The term calculation subunit is used to calculate the repayment term; the client binding subunit is used to bind the campus card to the user terminal; The repayment information sending subunit is used to retrieve the repayment period and send the repayment information to the user end.

8. A campus card payment method, based on a campus card payment management system according to any one of claims 1 to 6, characterized in that: include: Obtain campus card balance information and payment information, where balance information includes the total balance and payment information includes the total payment amount; If the total balance is less than the total payment, the overdraft disposable credit information is obtained, and the overdraft disposable credit information includes the total disposable credit; If the total amount of overdraft disposable credit is greater than the difference between the total amount of payments and the total balance, payment will be made using the total amount of overdraft disposable credit. If the total amount of overdraft disposable credit is less than the difference between the total amount of payments and the total balance, payment cannot be made.

Images